MWIELEC-02 JSTEELE
DATE (MM/DD/YYYY)
CERTIFICATE OF LIABILITY INSURANCE 10/15/2024
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.
If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on
this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).
CONTACT HI Chase
PRODUCER NAME:
Skinner and Company, Inc. PHONE FAX
(A/C, No, Ext): (678) 401-3212 (A/C, No): (678) 401-3448
78 Cole Street NE E-MAIL
Suite 100 ADDRESS: Jill@skinnerandco.com
Marietta, GA 30060
INSURER(S) AFFORDING COVERAGE NAIC #
INSURER A : Trustguard Insurance Company 40118
INSURED INSURER B : Grange Insurance Company 14060
MWI Electrical Contractors Inc INSURER C : Old Republic Insurance Company 24147
78 Hamby Road INSURER D :
Marietta, GA 30067
INSURER E :
INSURER F :
COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
INSR ADDL SUBR POLICY EFF POLICY EXP
LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER (MM/DD/YYYY) (MM/DD/YYYY) LIMITS
A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $
1,000,000
CLAIMS-MADE X OCCUR
X X CPP 2782831 5/1/2024 5/1/2025 DAMAGE TO RENTED
PREMISES (Ea occurrence) $
300,000
MED EXP (Any one person) $
10,000
PERSONAL & ADV INJURY $
1,000,000
GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $
2,000,000
POLICY X PRO-
JECT X LOC PRODUCTS - COMP/OP AGG $
2,000,000
OTHER:
EPLI $
100,000
A AUTOMOBILE LIABILITY
COMBINED SINGLE LIMIT
(Ea accident) $
1,000,000
X ANY AUTO X X CA 2782832 5/1/2024 5/1/2025 BODILY INJURY (Per person) $
OWNED SCHEDULED
AUTOS ONLY AUTOS BODILY INJURY (Per accident) $
HIRED NON-OWNED PROPERTY DAMAGE
AUTOS ONLY AUTOS ONLY (Per accident) $
$
B X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $
5,000,000
EXCESS LIAB CLAIMS-MADE CUP 2782833 5/1/2024 5/1/2025 AGGREGATE $
5,000,000
DED X RETENTION $ 0 $
C WORKERS COMPENSATION X PER
STATUTE
OTH-
ER
AND EMPLOYERS' LIABILITY
Y/N
ANY PROPRIETOR/PARTNER/EXECUTIVE X MWC 316907 24 5/1/2024 5/1/2025 E.L. EACH ACCIDENT $
1,000,000
OFFICER/MEMBER EXCLUDED? N/A
(Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $
1,000,000
If yes, describe under 1,000,000
DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $
A Installation Floater CPP 2782831 5/1/2024 5/1/2025 Deductible: $1,000 150,000
A Leased/Rented Equip CPP 2782831 5/1/2024 5/1/2025 Deductible: $500 100,000
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
When required by written contract, blanket additional insured is provided as respects: General Liability for ongoing and completed operations per terms and
conditions of forms IL 20 (04/17) and CG 38 (06/15), respectively; and for Automobile Liability per form CA 60 (10/16). When required by written contract a
blanket waiver of subrogation applies for General Liability, Automobile Liability and Workers Compensation/Employers Liability per forms IL 20 (04/17), CA 60
(10/16) and WC000313 (03/13) respectively. Notice of cancellation is provided in accordance with policies terms and conditions.
SEE ATTACHED ACORD 101
CERTIFICATE HOLDER CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Dekalb County Board of Education ACCORDANCE WITH THE POLICY PROVISIONS.
Dekalb County School District
1780 Montreal Road
Tucker, GA 30084 AUTHORIZED REPRESENTATIVE
ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
AGENCY CUSTOMER ID: MWIELEC-02 JSTEELE
LOC #: 1
ADDITIONAL REMARKS SCHEDULE Page 1 of 1
AGENCY NAMED INSURED
MWI Electrical Contractors Inc
Skinner and Company, Inc. 78 Hamby Road
POLICY NUMBER Marietta, GA 30067
SEE PAGE 1
CARRIER NAIC CODE
SEE PAGE 1 SEE P 1 EFFECTIVE DATE:
SEE PAGE 1
ADDITIONAL REMARKS
THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM,
FORM NUMBER: ACORD 25 FORM TITLE: Certificate of Liability Insurance
Description of Operations/Locations/Vehicles:
Pollution Liability Company: Navigators Specialty Insurance Company NAIC #36056
Policy #CH24ECPZ0AYV6IC / Effective 6/9/24-6/9/25
Each Incident Limit: $2,000,000 / Aggregate Limit: $2,000,000 / Each Incident Deductible: $5,000
Project: Electrical Contractor Services - ITB No: 20-752-036
When required by written contract, Dekalb County Board of Education and Dekalb County School District are Additional Insureds as
respects General Liability and Automobile Liability per terms and conditions of above referenced forms.
When required by written contract, Waiver of Subrogation applies in favor of Dekalb County Board of Education and Dekalb County
School District as respects General Liability, Automobile Liability and Workers Compensation per terms and conditions of above
referenced forms.
ACORD 101 (2008/01) © 2008 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement modifies insurance provided under the following:
BUILDING AND PERSONAL PROPERTY COVERAGE FORM
BUSINESS COMPUTER COVERAGE FORM
CAUSES OF LOSS - SPECIAL FORM
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
COMMERCIAL CRIME COVERAGE FORM (LOSS SUSTAINED FORM)
The following is a summary of the coverage modifications, extensions and additions provided in this
endorsement. The limits, unless stated otherwise, and deductibles shown below apply at each designated
location. If a limit is shown elsewhere in the policy for any of these coverages, then that limit applies in
addition to the limits shown below. If a different deductible amount is shown in the policy for any of
these coverages, then that deductible will be the applicable deductible.
A separate limit of $500,000 applies on a Per Loss Aggregate basis to those coverages shown below that
are designated PLA. This Per Loss Aggregate Limit applies separately at each location designated on the
policy Declarations. At the time of loss, the first Named Insured may elect to apportion this Per Loss
Aggregate Limit of Insurance to any one or any combination of those coverages, but under no
circumstances will the aggregate apportionment be permitted to exceed $500,000 at any one designated
location. For complete details of the coverages provided, refer to the specific policy language.
BUILDING AND BUSINESS PERSONAL PROPERTY COVERAGES SUBJECT TO THE PER LOSS
AGGREGATE
LIMIT DEDUCTIBLE SUBJECT OF INSURANCE PAGE
PLA Property Deductible Accounts Receivable 9
PLA None Claim Expense 10
PLA Property Deductible Computer 18
PLA Property Deductible Consequential Loss Assumption 15
PLA Property Deductible Fine Arts Not Held For Sale 15
PLA None Fire Department Service Charge 5
PLA Property Deductible Mobile Equipment On Premises 16
PLA None Recharge Of Fire Protection Equipment 9
10% of Loss None Reward Payment 8
Subject To PLA
PLA Property Deductible Utility Services - Direct Damage 16
PLA Property Deductible Valuable Papers And Records (Other Than 13
Electronic Data)
HK1054 (04-2017) continued...
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
BUILDING AND BUSINESS PERSONAL PROPERTY COVERAGES SUBJECT TO A SPECIFIC LIMIT
OF INSURANCE
LIMIT DEDUCTIBLE SUBJECT OF INSURANCE PAGE
$50,000 Building Property Deductible Appurtenant Structures 17
$5,000 BPP Property Deductible Appurtenant Structures 17
$10,000 Property Deductible Backup Of Sewer And Drains 11
$10,000 Property Deductible Business Personal Property 14
Temporarily In Portable Storage Units
$25,000 None Computer And Funds Transfer Fraud 12
Included in BPP Limit Property Deductible Contents Of Fuel Storage Tanks 5
$25,000 Per Property Deductible Contractual Penalties 11
Occurrence; $100,000
Annual Aggregate
$10,000 Property Deductible Deferred Payments 16
$10,000 None Employee Theft Including ERISA 11
$10,000 None Forgery Or Alteration 11
Included In Building Property Deductible Fuel Storage Tanks 5
Limit
$1,000 None Lock And Key Replacement 11
$10,000 In/Out None Money And Securities 9
$1,000,000 Property Deductible Newly Acquired Or Constructed Property - 12
Building - 180 Days To Report
$500,000 Property Deductible Newly Acquired Or Constructed Property - 12
Business Personal Property - 180 Days
To Report
$5,000 Property Deductible Non-Owned Detached Trailers 14
Included Property Deductible Ordinance Or Law Contingent Liability 6
$50,000 Property Deductible Ordinance Or Law Demolition Cost 7
$50,000 Property Deductible Ordinance Or Law Increased Cost Of 7
Construction
$10,000 Property Deductible Ornamental Display Gardens 17
$10,000 Property Deductible Ornamental Landscape Display 17
HK1054 (04-2017) page 2
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
LIMIT DEDUCTIBLE SUBJECT OF INSURANCE PAGE
$25,000 Property Deductible Outdoor Growing Stock 17
$25,000 Property Deductible Outdoor Property 15
$10,000 Property Deductible Personal Effects And Property Of Others 12
(Maximum Of $1,000 Per Employee For
Loss Or Damage By Theft)
$25,000 Property Deductible Pollutant Clean up 5
Included Property Deductible Premises Redefined To 1,000 Feet 5
90 Days None Preservation Of Property 5
$25,000 Property Deductible Property In Transit 13
$50,000 Property Deductible Property Off- Premises 13
$25,000 per Salesperson
25% Of BPP Subject To Property Deductible Seasonal Increase 18
PLA
Included Property Deductible Selling Price Valuation Of Stock 18
$25,000 Property Deductible Signs Whether Attached To A Building 18
Or Not
COMMERCIAL GENERAL LIABILITY COVERAGES
LIMIT DEDUCTIBLE SUBJECT OF INSURANCE PAGE
Included None Additional Insured - Lessor Of Leased 25
Equipment
Included None Additional Insured - Managers Or Lessor 26
Of Premises
Included None Additional Insureds Required By Contract 24
Included None Additional Insured - State Or Governmental 26
Agency Or Subdivision Or Political
Subdivision - Permits Or Authorization
Included None Aggregate Limit Per Location 23
Included None Aggregate Limit Per Project 23
Included None Blanket Primary And Noncontributory 28
Included None Broad Form Named Insured 24
HK1054 (04-2017) page 3
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
LIMIT DEDUCTIBLE SUBJECT OF INSURANCE PAGE
Included None Coverage For Injury To Leased Workers 19
$300,000 None Damage To Premises Rented To You - 19
Increased Limit
Included None Duties In The Event Of Occurrence, 28
Offense, Claim Or Suit - Redefined
$10,000 None Electronic Data Liability 27
Included None Expected Or Intended Injury 18
Included None Incidental Medical Malpractice 27
Included None Liberalization Clause 29
$25,000 Each $250 Limited Care, Custody Or Control Coverage 20
Occurrence/
$50,000 Aggregate
$5,000 Each $100 Lost Key Coverage 20
Occurrence
$10,000 None Medical Payments 27
Included None Mobile Equipment Redefined To 1,000 29
Pounds
Included None Newly Formed Or Acquired 27
Organizations - 180 Days To Report
Included None Non-Owned Watercraft Redefined To 51 19
Feet
$25,000 None Property Damage To Borrowed Equipment 20
$2,500 None Supplementary Payments Increased Limits - 24
Bonds
$500 Per Day None Supplementary Payments Increased Limits - 24
Earnings
Included None Unintentional Failure To Disclose Hazards 29
$5,000 Each $250 Voluntary Property Damage 22
Occurrence/
$25,000 Aggregate
Included None Waiver Of Transfer Of Rights Of Recovery 29
Against Others To Us
HK1054 (04-2017) page 4
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
The following changes apply to the BUILDING vehicle) within 1,000 feet of the
AND PERSONAL PROPERTY COVERAGE FORM. building or structure or within 1,000
I. The following amends specified provisions
feet of the premises described in the
stated under Section A. Coverage: Declarations, whichever distance is
greater.
1. Item 1. Covered Property a. Building (5)(b)
5. Item 1.c. Personal Property of Others is
is replaced with the following: deleted.
(b) Materials, equipment, supplies and
II. The following amends specified provisions
temporary structures, on or within 1,000 stated under Section A. Coverage 4.
feet of the described premises, used for Additional Coverages:
making additions, alterations or repairs
to the building or structure. 1. Item b. Preservation of Property (2) is
2. The following are added under item a.
replaced with the following:
Building as Covered Property: (2) Only if the loss or damage occurs within
(6) Fuel tanks, including the piping, pumps
90 days after the property is first moved.
and equipment connected to it, installed 2. Item c. Fire Department Service Charge is
above or below ground. replaced with the following:
3. The first paragraph of item 1. Covered c. Fire Department Service Charge
Property b. Your Business Personal
Property is replaced with the following:
When the fire department is called to
save or protect Covered Property from a
b. Your Business Personal Property Covered Cause of Loss, we will pay up
consists of the following property to the $500,000 Per Loss Aggregate Limit
located in or on the building or structure for certain coverages specified in this
described in the Declarations or in the endorsement for your liability for fire
open (or in a vehicle) within 1,000 feet of department service charges:
the building or structure or within 1,000 (1) Assumed by contract or agreement
feet of the premises described in the prior to loss; or
Declarations, whichever distance is
greater. (2) Required by local ordinance.
4. The following is added under item b. Your No Deductible applies to this Additional
Business Personal Property: Coverage.
(8) Contents of any fuel tanks, including the 3. The last paragraph of item d. Pollutant
piping, pumps and equipment connected Clean Up And Removal is replaced with
to it, installed above or below ground. the following:
(9) Personal Property Of Others that is: The most we will pay under this Additional
(a) In your care, custody or control; and
Coverage for each described premises is
$25,000 for the sum of all covered expenses
(b) located in or on the building or arising out of Covered Causes of Loss
structure described in the occurring during each separate 12 month
Declarations or in the open (or in a period of this policy.
HK1054 (04-2017) page 5
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
4. Item e. Increased Cost Of Construction is not covered under this policy,
replaced in its entirety with the following: and such damage is the subject
of the ordinance or law, then
e. Ordinance Or Law
there is no coverage under this
(1) The coverages provided by this endorsement even if the
endorsement apply only if (1)(a) and building has also sustained
(1)(b) are satisfied and they are then covered direct physical damage.
subject to the qualifications set forth
(c) In the situation described in
in (1)(c).
(1)(b)(ii) above, we will not pay
(a) The ordinance or law: the full amount of loss otherwise
payable under the terms of the
(i) Regulates the demolition,
coverage provided by this
construction or repair of
endorsement. Instead, we will pay
buildings, or establishes zoning
a proportion of such loss; meaning
or land use requirements at the
the proportion that the covered
described premises; and
direct physical loss bears to the
(ii) is in force at the time of loss. total direct physical damage.
But coverage under this endorsement However, if the covered direct
applies only in response to the physical damage, alone, would have
minimum requirements of the resulted in a requirement to comply
ordinance or law. Losses and costs with the ordinance or law, then we
incurred in complying with will pay the full amount of loss
recommended actions or standards otherwise payable under the terms of
that exceed actual requirements are this endorsement.
not covered.
(2) We will not pay under this
(b)(i) The building sustains direct endorsement for:
physical damage that is covered
(a) Enforcement of or compliance with
under this policy and as a result
any ordinance or law which
of damage you are required to
requires demolition, repair,
comply with the ordinance or
replacement, reconstruction,
law; or
remodeling or remediation of
(ii) The building sustains both property due to contamination by
direct physical damage that is "pollutants" or due to the presence
covered under this policy and of, growth, proliferation, spread or
direct physical damage that is any activity of "fungus", wet or dry
not covered under this policy, rot or bacteria; or
and as a result of the building
(b) The costs associated with the
damage in its entirety you are
enforcement of or compliance with
required to comply with the
any ordinance or law which
ordinance or law.
requires any insured or others to
(iii) But if the building sustains test for, monitor, clean up, remove,
direct physical damage that is contain, treat, detoxify or
HK1054 (04-2017) page 6
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
neutralize, or in any way respond building; and/or
to, or assess the effects of (ii) Reconstruct or remodel
"pollutants", "fungus", wet or dry undamaged portions of that
rot or bacteria. building, whether or not
(3) Coverage demolition is required;
(a) With respect to the building that has when the increased cost is a
sustained covered direct physical consequence of or requirement
damage, we will pay for the loss in to comply with the minimum
value of the undamaged portion of standards of the ordinance or
the building as a consequence of or law.
requirement to comply with an However:
ordinance or law that requires the
demolition of undamaged parts of (i) This additional coverage
the same building. applies only if the restored
This Additional Coverage is or remodeled property is
included within the Limit of intended for similar
Insurance shown in the occupancy as the current
Declarations as applicable to the property, unless such
covered building. This does not occupancy is not permitted
increase the Limit of Insurance. by zoning or land use
ordinance or law.
(b) With respect to the building that
(ii) We will not pay for the
has sustained covered direct increased cost of
physical damage, we will pay the construction if the building
cost to demolish and clear the site is not repaired,
of undamaged parts of the same reconstructed or remodeled.
building, as a consequence of a
requirement to comply with an (2) When a building is damaged or
ordinance or law that requires destroyed and e.(3)(c)(1) applies
demolition of such undamaged to that building, coverage for
property. the increased cost of
The most we will pay for loss or construction also applies to
damage under this Additional repair or reconstruction of the
Coverage, e.(3)(b) is $50,000 at
following subject to the same
each described premises. This is conditions stated in e.(3)(c)(1):
additional insurance. (i) The cost of excavations,
(c) (1) With respect to the building
grading, backfilling and
that has sustained covered filling;
direct physical damage, we will (ii) Foundation of the building;
pay the increased cost to: (iii) Pilings; and
(i) Repair or reconstruct
(iv) Underground pipes, flues
damaged portions of that
and drains.
HK1054 (04-2017) page 7
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
The items listed in (2)(i) (b)The increased cost to rebuild or
through (2)(iv) above are construct the property at the new
deleted from Property Not premises.
Covered, but only with respect (6) Neither the Coinsurance Additional
to the coverage described in Condition nor a deductible applies to
this provision (c)(2). e.(3)(b) and e.(3)(c).
We will not pay for the increased (7) The terms of this Additional
cost of construction: Coverage apply separately to each
(i) Until the property is actually covered building.
repaired or replaced, at the (8) Under this Additional Coverage we
same or another premises; will not pay for costs due to an
and ordinance or law that:
(ii) Unless repairs or
(a) You were required to comply with
replacement are made as before the loss, even when the
soon as reasonably possible building was damaged; and
after the loss or damage, not
to exceed two years. We may (b) You failed to comply with.
extend this period in writing (9) This Additional Coverage is not
during the two years. subject to the terms of the Ordinance
The most we will pay for loss or or Law Exclusion, or Valuation
damage under this Additional Conditions, to the extent that such
Coverage, e.(3)(c) is $50,000 at exclusions or limitations would
each described premises. This is conflict with the provisions of this
additional insurance. Additional Coverage.
(4) If the property is repaired or replaced 5. The following Additional Coverages are
at the same premises or you elect to added:
rebuild at another premises, we will f. Arson, Theft And Vandalism Rewards
not pay more than:
(a) The amount you actually spend to
We will pay on behalf of the insured for
demolish and clear the site at the information which leads to a conviction
described premises; and in connection with:
(1) A fire loss covered under this policy
(b) The increased cost to repair,
rebuild or construct the property caused by arson;
at the same premises. (2) An actual or attempted theft of
(5) If the ordinance or law requires
Money or other Covered Property; or
relocation to another premises we (3) A vandalism loss to the described
will not pay more than: premises.
(a) The amount you actually spend to The limit for this Additional Coverage is
demolish and clear the site at the the actual amount of the reward
described premises; and payment but not greater than 10% of the
HK1054 (04-2017) page 8
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
actual loss, subject to the $500,000 Per i. Accounts Receivable
Loss Aggregate Limit for certain
We will pay for expenses you incur due
coverages specified in this endorsement.
to direct physical loss or damage to your
This is additional insurance. The accounts receivable records caused by or
Coinsurance Additional Condition and resulting from a Covered Cause of Loss
Deductible do not apply to this at a location described in the
Additional Coverage. Declarations.
g. Recharge Of Fire Protection Equipment (1) The expenses we will pay include:
We will pay your cost to recharge or (a) Amounts due from your customers
replace, whichever is less, your fire that you are unable to collect
extinguishers or automatic fire protection because of direct physical loss or
equipment when they are discharged as a damage to your accounts
result of fighting a fire caused by a receivable records;
Covered Cause of Loss, on or within
(b) Interest charges on any loan
1,000 feet of the described premises.
required to offset amounts you are
The limit for this Additional Coverage is unable to collect because of direct
subject to the $500,000 Per Loss physical loss or damage to your
Aggregate Limit for certain coverages accounts receivable records,
specified in this endorsement. pending our payment of these
amounts;
No Deductible applies to this Additional
Coverage. (c) Collection expenses in excess of
your normal collection expenses
h. Money And Securities
that are made necessary because of
Refer to Insuring Agreements 3. Inside direct physical loss or damage to
The Premises -Theft Of Money And your accounts receivable records;
Securities and 5. Outside The Premises and
of the COMMERCIAL CRIME
(d) Other reasonable expenses that
COVERAGE FORM (LOSS SUSTAINED
you incur to reestablish your
FORM), CR 00 21, attached to this policy
records of accounts receivable.
for the applicable coverage.
(2) We will not pay expenses for loss or
The coverage provided is subject to the
damage under this Additional
exclusions and provisions of the
Coverage caused by or resulting from
COMMERCIAL CRIME COVERAGE
any of the following:
FORM (LOSS SUSTAINED FORM).
(a) Bookkeeping, accounting or billing
The most we will pay for loss under this errors or omissions;
coverage is $10,000 for Insuring
Agreement 3 and $10,000 for Insuring (b) Electrical or magnetic injury,
Agreement 5 in addition to a separate disturbance or erasure of
limit that may be shown in the electronic "Data" or "Media"
Declarations for Insuring Agreement 3 records, except as a result of direct
and Insuring Agreement 5. physical loss caused by lightning;
HK1054 (04-2017) page 9
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
(c) Alteration, falsification, receivable, regardless of how that
concealment or destruction of amount is established:
records of accounts receivable done (a) The amount of the accounts for
to conceal the wrongful giving, which there is no loss or damage;
taking or withholding of money,
securities or other property; or (b) The amount of the accounts you
(d) Unauthorized instructions to
are able to reestablish and collect;
transfer property to any person or (c) An amount to allow for probable
any place. bad debts that you are normally
(3) We will not pay expenses for loss or
unable to collect; and
damage under this Additional (d) All unearned interest and service
Coverage for an audit of records or charges.
any inventory computation to prove Additional Definitions:
its factual existence.
The limit for this Additional Coverage is As used in this Additional Coverage i.:
subject to the $500,000 Per Loss "Data" means facts, concepts or
Aggregate Limit for certain coverages instructions that are converted into a
specified in this endorsement. form usable in data processing
The following loss conditions apply in operations. This includes computer
addition to the Common Policy programs.
Conditions and the Commercial "Media" means the materials on which
Property Conditions: "data" is recorded, such as magnetic
(1) If you cannot accurately establish the
tapes, discs, drums, paper tapes, cards
amount of accounts receivable and programs. This includes "data"
outstanding as of the time of loss, the stored on the "media".
following method will be used: j. Claim Expense
(a) Determine the total of the average (1) In the event of covered loss or
monthly amounts of accounts damage, we will pay for all
receivable for the 12 months reasonable expenses you incur at our
immediately preceding the month request to assist us in:
in which the loss or damage (a) The investigation of a claim or suit;
occurred; and or
(b) Adjust that total for any normal
(b) The determination of the amount
fluctuations in the amount of of loss, such as taking inventory.
accounts receivable for the month in
which the loss or damage occurred (2) We will not pay for:
or for any demonstrated variance (a) Expenses to prove that the loss or
from the average for that month. damage is covered;
(2) The following will be deducted from
(b) Expenses incurred under Section
the total amount of accounts E. Loss Conditions 2. Appraisal; or
HK1054 (04-2017) page 10
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
(c)Expenses incurred for locks and/or tumblers at the described
examinations under oath, even if premises due to theft of your door keys.
required by us. n. Contractual Penalties
The limit for this Additional Coverage is We will pay for contractual penalties
subject to the $500,000 Per Loss imposed by written contract between
Aggregate Limit for certain coverages you and your customers. These penalties
specified in this endorsement. must:
k. Forgery Or Alteration
(1) Result from your failure to deliver
Refer to Insuring Agreement 2. Forgery your product on time according to
Or Alteration of the COMMERCIAL contract terms;
CRIME COVERAGE FORM (LOSS (2) Result from direct physical loss or
SUSTAINED FORM), CR 00 21, attached damage to Covered Property by a
to this policy for the applicable coverage. Covered Cause of Loss; and
The coverage provided is subject to the
exclusions and provisions of the (3) Have been paid by you to your
COMMERCIAL CRIME COVERAGE customer.
FORM (LOSS SUSTAINED FORM). The most we will pay under this
The most we will pay for loss under this coverage is $25,000 per occurrence with
coverage is $10,000 for Insuring a $100,000 annual aggregate limit.
Agreement 2 in addition to a separate
o. Water That Backs Up From A Sewer Or
limit that may be shown in the Drain
Declarations for Insuring Agreement 2.
l. Employee Theft
We will pay for direct physical loss of or
damage to Covered Property caused by
Refer to Insuring Agreement 1. or resulting from:
Employee Theft of the COMMERCIAL
(1) Water that backs up from a sewer or
CRIME COVERAGE FORM (LOSS drain; or
SUSTAINED FORM), CR 00 21, attached
to this policy for the applicable coverage. (2) Water that enters into and overflows
The coverage provided is subject to the from within a:
exclusions and provisions of the (a) Sump pump;
COMMERCIAL CRIME COVERAGE (b) Sump pump well; or
FORM (LOSS SUSTAINED FORM). (c) Other type systems;
The most we will pay for loss under this designed to remove subsurface
coverage is $10,000 for Insuring water which is drained from the
Agreement 1 in addition to a separate
limit that may be shown in the foundation area.
Declarations for Insuring Agreement 1. The most we will pay for loss or damage
m. Lock And Key Replacement
in any one occurrence is $10,000 or the
Limit of Insurance shown in the
We will pay up to $1,000 per occurrence Schedule for Water That Backs Up From
for the cost to repair or replace the door A Sewer Or Drain at each described
premises.
HK1054 (04-2017) page 11
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
p. Computer And Funds Transfer Fraud (i) Similar use as the building
described in the Declarations; or
Refer to Insuring Agreement 6. Computer
And Funds Transfer Fraud, of the (ii) Use as a warehouse.
COMMERCIAL CRIME COVERAGE FORM
The most we will pay for loss or
(LOSS SUSTAINED FORM), CR 00 21,
damage under this Extension is
attached to this policy for the applicable
$1,000,000 at each building.
coverage. The coverage provided is subject
to the exclusions and provisions of the (2) You may extend the insurance that
COMMERCIAL CRIME COVERAGE FORM applies to Your Business Personal
(LOSS SUSTAINED FORM). Property to apply to that property at
The most we will pay for loss under this any location you construct or acquire
coverage is $25,000 for Insuring other than at fairs or exhibitions. The
Agreement 6 in addition to a separate most we will pay for loss or damage
limit that may be shown in the under this Extension is $500,000 at
Declarations for Insuring Agreement 6. each building.
III. Section A. Coverage 5. Coverage Extensions is (3) Insurance provided under this
replaced in its entirety with the following: Coverage Extension for Newly
Acquired Or Constructed Property
5. Coverage Extensions will end when any of the following
Except as otherwise provided, the following first occurs:
Extensions apply to property located in or (a) This policy expires;
on the building described in the
Declarations or in the open (or in a vehicle) (b) 180 days expire after you acquire
within 1,000 feet of the described premises. or begin to construct the property;
or
If a Coinsurance percentage of 80% or more,
or a Value Reporting period symbol, is (c) You report values to us.
shown in the Declarations, you may extend We will charge you additional
the insurance provided by this Coverage premium for values reported from the
Part as follows: date construction begins or you
a. Newly Acquired Or Constructed acquire the property.
Property b. Personal Effects And Property Of
(1) You may extend the insurance that Others
applies to Building to apply to: You may extend the insurance that
(a) Your new building while being applies to Your Business Personal
built on the described premises; Property to apply to:
and (1) Personal effects owned by you, your
(b) Buildings you acquire at locations, officers, your partners or members,
other than the described premises, your managers or your employees.
intended for: (2) Personal Property of Others in your
care, custody or control.
HK1054 (04-2017) page 12
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
The most we will pay for loss or damage d. Property Off-premises
under this Extension is $10,000 at each You may extend the insurance provided
described premises, but not more than by this Coverage Form to apply to your
$1,000 to any loss or damage by theft to Covered Property that is temporarily at a
tools owned by your employees location you do not own, lease or
necessary for the performance of their operate; in storage at a location you
job responsibilities. Our payment for loss lease, provided the lease was executed
of or damage to personal property of after the beginning of the current policy
others will only be for the account of the term; or that is in the care, custody or
owner of the property. control of your salespersons. This
c. Valuable Papers And Records (Other Extension applies only if loss or damage
Than Electronic Data) is caused by a Covered Cause of Loss.
(1) You may extend the insurance that This extension does not apply to
applies to Your Business Personal Covered Property in or on a vehicle.
Property to apply to the cost to The most we will pay for loss or damage
replace or restore the lost information under this Extension is $50,000 but not
on valuable papers and records for more than:
which duplicates do not exist. But this
Extension does not apply to valuable (1) $25,000 per salesperson; or
papers and records which exist as (2) $50,000 at any fair, trade show or
electronic data. Electronic data has exhibition.
the meaning described under
Property Not Covered - Electronic e. Property In Transit
Data. You may extend the insurance provided
(2) If the Causes of Loss - Special Form by this Coverage Form to apply to your
applies, coverage under this Covered Property (including property
Extension is limited to the "specified that is in the care, custody or control of
causes of loss" as defined in that form, your salesperson) in transit in or on a
and Collapse as set forth in that form. motor vehicle you own, lease or operate
(3) The limit for this Extension is subject while between points within the
to the $500,000 Per Loss Aggregate coverage territory and more than 1,000
Limit for certain coverages specified feet from the described premises. Loss or
in this endorsement. We will also pay damage must be caused by or result from
for the cost of blank material for one of the following causes of loss:
reproducing the records (whether or (1) Fire, lightning, explosion, windstorm
not duplicates exist), and (when there or hail, riot or civil commotion, or
is a duplicate) for the cost of labor to vandalism.
transcribe or copy the records. The (2) Vehicle collision, upset or overturn.
costs of blank material and labor are Collision means accidental contact of
subject to the applicable Limit of your vehicle with another vehicle or
Insurance on Your Business Personal object. It does not mean your
Property and therefore coverage of vehicle's contact with the road bed.
such costs is not additional insurance.
HK1054 (04-2017) page 13
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
Theft of an entire bale, case or
(3) on it or not) from any other insurance
package by forced entry into a covering such property.
securely locked body or compartment g. Business Personal Property
of the vehicle. There must be visible Temporarily In Portable Storage Units
marks of the forced entry.
The most we will pay for loss or damage (1) You may extend the insurance that
under this Extension is $25,000. applies to Your Business Personal
Property to apply to such property
f. Non-Owned Detached Trailers while temporarily stored in a portable
(1) You may extend the insurance that storage unit (including a detached
applies to Your Business Personal trailer) located within 1,000 feet of the
Property to apply to loss or damage building or structure described in the
to trailers that you do not own, Declarations or within 1,000 feet of
provided that: the premises described in the
Declarations, whichever distance is
(a) The trailer is used in your greater.
business; (2) If the applicable Covered Causes of
(b) The trailer is in your care, custody Loss form or endorsement contains a
or control at the premises limitation or exclusion concerning
described in the Declarations; and loss or damage from sand, dust, sleet,
(c) You have a contractual
snow, ice or rain to property in a
responsibility to pay for loss or structure, such limitation or exclusion
damage to the trailer. also applies to property in a portable
storage unit.
(2) We will not pay for any loss or
(3) Coverage under this Extension:
damage that occurs:
(a) Will end 90 days after the business
(a) While the trailer is attached to any
motor vehicle or motorized personal property has been placed
conveyance, whether or not the in the storage unit;
motor vehicle is in motion. (b) Does not apply if the storage unit
(b) During hitching or unhitching
itself has been in use at the
operations, or when a trailer described premises for more than
becomes accidentally unhitched 90 consecutive days, even if the
from a motor vehicle or a business personal property has
motorized conveyance. been stored there for 90 or fewer
days as of the time of loss or
(3) The most we will pay for loss or damage.
damage under this Extension is (4) Under this Extension, the most we
$5,000, unless a higher limit is shown will pay for the total of all loss or
in the Declarations. damage to business personal property
(4) This insurance is excess over the is $10,000 (unless a higher limit is
amount due (whether you can collect indicated in the Declarations for such
HK1054 (04-2017) page 14
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
Extension) regardless of the number the debris of trees, shrubs and plants
of storage units. Such limit is part of, which are the property of others, except
not in addition to, the applicable in the situation in which you are a tenant
Limit of Insurance on Your Business and such property is owned by the
Personal Property. Therefore, landlord of the described premises.
payment under this Extension will i. Fine Arts
not increase the applicable Limit of
Insurance on your Business Personal You may extend the insurance provided
Property. by this Coverage Form to apply to Fine
(5) This Extension does not apply to loss
Arts owned by you or in your care,
or damage otherwise covered under custody or control, that are not held for
this Coverage Form or any sale by you, at the premises in the
endorsement to this Coverage Form Declarations.
or policy and does not apply to loss or As used in this Extension, Fine Arts
damage to the storage unit itself. means paintings, etchings, pictures,
h. Outdoor Property
tapestries, art glass windows, and other
bona fide works of art or rarity,
You may extend the insurance provided historical value or artistic merit.
by this Coverage Form to apply to your The limit for this Coverage Extension is
outdoor fences, radio and television subject to the $500,000 Per Loss
antennas (including satellite dishes), Aggregate Limit for certain coverages
trees, shrubs and plants (other than specified in this endorsement.
trees, shrubs or plants which are "stock"
or are part of a vegetated roof) including In the event of a covered loss, payment
debris removal expense, caused by or for Fine Arts will be valued at the
resulting from any of the following Market Value of the item(s) at the time of
causes of loss: loss.
(1) Fire; Coverage does not extend to Fine Arts at
(2) Lightning; any fair, trade show or exhibition.
(3) Explosion;
j. Consequential Loss
(4) Riot or Civil Commotion; or
(5) Aircraft. You may extend the insurance provided
The most we will pay for loss or damage by this Coverage Form to pay the
under this Extension is $25,000, but not reduction in value of the remaining parts
more than $1,000 for any one tree, shrub of "stock" when the reduction is caused
or plant. This limit applies to any one by direct physical loss or damage from a
occurrence, regardless of the types or Covered Cause of Loss to other parts of
number of items lost or damaged in that "stock" at the described premises.
occurrence. In the application of the Coinsurance
Subject to all aforementioned terms and Additional Condition, the value of
limitations of coverage, this Coverage "stock" at any location to which this
Extension includes the expense of Extension applies includes the additional
removing from the described premises value that it represents in "stock" at
other locations.
HK1054 (04-2017) page 15
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
The limit for this Coverage Extension is mobile equipment such as forklifts, lawn
subject to the $500,000 Per Loss mowers, tractors and similar vehicles,
Aggregate Limit for certain coverages including equipment which you rent.
specified in this endorsement. This Extension does not apply to vehicles
k. Deferred Payments which are licensed for use on public
In the event of a loss under this roads, or which are insured elsewhere.
Extension, coverage will be paid based The limit for this Coverage Extension is
on the value of the amount shown on subject to the $500,000 Per Loss
your books as due from the buyer. In Aggregate Limit for certain coverages
case of a partial loss and the buyer specified in this endorsement.
refuses to continue payment, forcing you m. Utility Services - Direct Damage
to repossess, the amount of the loss will
be determined as follows: You may extend the insurance provided
We will pay for expenses you incur due by this Coverage Form to pay for loss or
to your interest in Business Personal damage to Covered Property caused by
Property lost or damaged by a Covered an interruption in utility service to the
Cause of Loss and sold by you under a described premises. The interruption in
conditional sale or trust agreement, or utility service must result from direct
any installment or deferred payment physical loss or damage by a Covered
plan after delivery to the buyer. Cause of Loss to Utility Property. Utility
Property includes water supply
(1) If the realized value of the property, communication supply
repossessed property is equal to or property and power supply property.
greater than the amount shown on Exception:
your books as due from the buyer, we
will make no payment. Coverage under this endorsement for
(2) If the realized value of the loss or damage to Covered Property does
repossessed property is less than the not apply to loss or damage to electronic
amount shown on your books as due data, including destruction or corruption
from the buyer, we will pay the of electronic data. The term electronic
difference. data has the meaning set forth in the
Coverage Form to which this
(3) If a partial loss occurs and the buyer endorsement applies.
continues to pay you, there will be no As used in this Extension, Utility
loss payment made under this Services means:
Extension.
The most we will pay under this (1) Water Supply Services, meaning the
Extension is $10,000 for any one following types of property supplying
occurrence during the policy period. water to the described premises:
1. Mobile Equipment On Premises (a) Pumping stations; and
(b) Water mains.
You may extend the insurance provided (2) Communication Supply Services,
by this Coverage Form to apply to your meaning property supplying
HK1054 (04-2017) page 16
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
communication services, including You may extend the insurance that
telephone, radio, microwave or applies to Business Personal Property to
television services to the described apply to such property in your storage
premises, such as: buildings, your garages and your other
appurtenant structures at the described
(a) Communication transmission
premises.
lines, including fiber optic
transmission lines; The most we will pay for Business
Personal Property under this Extension
(b) Coaxial cables; and
is $5,000.
(c) Microwave radio relays except
o. Ornamental Display Gardens
satellites.
You may extend the insurance provided
(3) Power Supply Service, meaning the
by this Coverage Form to apply to
following types of property supplying
ornamental display gardens, used for
electricity, steam or gas to the
display or promotional purposes, located
described premises:
at the described premises or within 1,000
(a) Utility generating plants; feet of the personal residence of a
(b) Switching stations; landscape or nursery proprietor, partner,
(c) Substations; officer, or designated employee.
(d) Transformers; and
The most we will pay for loss or damage
(e) Transmission lines.
under this Extension is $10,000.
As used in this Extension the term
p. Ornamental Landscape Displays
transmission lines includes all lines
which serve to transmit communication You may extend the insurance provided
service or power, including lines which by this Coverage Form to apply to
may be identified as distribution lines. ornamental masonry or stone bridges,
walks, patios, retaining walls or similar
The Limit of Insurance for this Extension
surfaces, or wooden landscaping
is subject to the $500,000 Per Loss
bridges, gazeboes, storage sheds or
Aggregate Limit for certain coverages
similar structures, used for display or
specified in this endorsement. Loss or
promotional purposes, located at the
damage to two or more Utility Properties
described premises or within 1,000 feet
arising out of the same occurrence will
of the personal residence of a landscape
be considered one occurrence.
or nursery proprietor, partner, officer, or
n. Appurtenant Structures designated employee.
You may extend the insurance that The most we will pay for loss or damage
applies to Building to apply to your under this Extension is $10,000.
storage buildings, your garages and your
q. Outdoor Growing Stock
other appurtenant structures, except
outdoor fixtures, at the described You may extend the insurance provided
premises. The most we will pay for by this Coverage Form to apply to
Building loss or damage under this growing stock. Growing stock means:
extension is $50,000.
HK1054 (04-2017) page 17
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
(1) Seeds, seedlings, bulbs, cuttings, or 1. Item 7. Valuation c. "Stock" is replaced with
cultivated plants or trees, from the the following:
time they are deposited in the ground,
c. We will determine the value of "stock"
until removed from the ground; and
you own in the event of loss or damage
(2) Outdoor trees, shrubs and plants held at:
for sale that are contained in pots,
(1) The selling price, as if no loss or
flats, or other similar individual
damage occurred; and
containers.
(2) Less discounts and expenses you
The most we will pay for loss or damage
otherwise would have had.
under this Extension is $25,000.
The following changes apply to the CAUSES OF
IV. Section C. Limits Of Insurance is replaced in
LOSS - SPECIAL FORM.
its entirety with the following:
VI. Under Section F. Additional Coverage
C. Limits Of Insurance
Extension, Item 1. Property In Transit is
1. The most we will pay for loss or damage deleted in its entirety.
in any one occurrence is the applicable
The following changes apply to the BUSINESS
Limit of Insurance shown in the
COMPUTER COVERAGE FORM as specified.
Declarations.
VII. We will pay for all risks of direct physical loss,
2. The most we will pay for loss or damage
subject to the exclusions and provisions
to outdoor signs, whether or not the sign
contained in BUSINESS COMPUTER
is attached to a building, is $25,000 per
COVERAGE FORM IM 7203, which is attached
sign in any one occurrence.
to and made part of this policy.
3. The Limit Of Insurance for Business
The limit for this Coverage Extension is subject
Personal Property stated in the
to the $500,000 Per Loss Aggregate Limit for
Declarations will automatically increase
certain coverages specified in this
by 25% to provide for seasonal
endorsement.
variations. This seasonal increase is
subject to the $500,000 Per Loss Coverage may be extended up to $10,000 while
Aggregate Limit for certain coverages the Covered Property is anywhere within the
specified in this endorsement. policy territory, and while in transit; however,
this Extension does not increase the Limit of
4. Except as otherwise specified, the limits
Insurance at each described premises.
applicable to Additional Coverages and
to Coverage Extensions are in addition The following changes apply to the
to the Limit Of Insurance. COMMERCIAL GENERAL LIABILITY
COVERAGE FORM as specified:
5. Payments under the following
Additional Coverage will not increase VIII. Expected Or Intended Injury
the applicable Limit of Insurance:
Exclusion 2.a. under Section I - Coverage A -
a. Preservation of Property. Bodily Injury And Property Damage Liability
is replaced with the following:
V. The following amends specified provisions
stated under Section E. Loss Conditions:
HK1054 (04-2017) page 18
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
"Bodily injury" or "property damage" expected of seven or fewer consecutive days. A
or intended from the standpoint of the insured. separate limit of insurance applies to
Damage To Premises Rented To You as
This exclusion does not apply to "bodily
Described in Section III - Limits Of
injury" and "property damage" resulting from
the use of reasonable force to protect persons
Insurance.
or property. 2. The last paragraph of 2. Exclusions is
replaced by the following:
IX. Coverage For Injury To Leased Workers
Exclusions c. through n. do not apply to
A. With respect to Exclusion 2.e. Employer's damage by fire, lightning, explosion,
Liability of Section I - Coverage A - Bodily smoke, or leakage from automatic fire
Injury And Property Damage Liability, the protection systems to premises while
definition of "employee" in Section V -
rented to you or temporarily occupied
Definitions is replaced by the following: by you with the permission of the
5. "Employee" does not include a "leased owner. A separate limit of insurance
worker" or "temporary worker". applies to Damage To Premises Rented
To You as described in Section III -
X. Non-Owned Watercraft Limits Of Insurance.
Exclusion g.(2) under Paragraph 2. Exclusions
of Section I - Coverage A - Bodily Injury And
B. Section III - Limits Of Insurance,
Paragraph 6., is replaced by the following:
Property Damage Liability is replaced with
the following: 6. Subject to Paragraph 5. above, the
Damage To Premises Rented To You
(2) A watercraft you do not own that is: Limit is the most we will pay under
(a) Less than 51 feet long; and Coverage A for damages because of
"property damage" to any one premises
(b) Not being used to carry persons or while rented to you, or in the case of
property for a charge.
damage by fire, explosion, lightning,
XI. Increased Limit For Damage To Premises smoke, or leakage from automatic fire
Rented To You protection systems, while rented to you
or temporarily occupied by you with the
A. Section I - Coverage A - Bodily Injury And permission of the owner. The limit is the
Property Damage Liability, 2. Exclusions is greater of:
amended as follows:
1. The fourth from the last paragraph of a. $300,000; or
Exclusion j. Damage To Property is
b. The amount shown in the
Declarations for Damage To Premises
replaced by the following:
Rented To You Limit.
Paragraphs (1), (3) and (4) of this
exclusion do not apply to "property
C. The word "fire" is changed to "fire,
lightning, explosion, smoke, or leakage
damage" (other than damage by fire,
from automatic fire protection systems"
lightning, explosion, smoke, or leakage
wherever it appears in:
from automatic fire protection systems)
to premises, including the contents of 1. Condition 4.b.(1)(a)(ii) of Section IV -
such premises, rented to you for a period Commercial General Liability
Conditions; and
HK1054 (04-2017) page 19
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
2. 9.a. of Section V - Definitions. D. This coverage extension is subject to the
following:
XII. Lost Key Coverage
1. Exclusion j. Damage To Property,
A. Coverage for "bodily injury" and "property
Paragraph j.(3) and j.(4) of Section I
damage" liability with respect to the
Coverage A - Bodily Injury And
insured's operations is extended as follows:
Property Damage Liability do not apply
1. We will pay those sums that you become to the loss of keys by an insured.
legally obligated to pay as damages due
2. Subparagraph 2.a.(2) of Section II - Who
to loss of keys by an insured in the
Is An Insured does not apply to this
course of your business. The keys must
additional insurance.
be loaned to the insured or in the care,
custody or control of the insured. XIII. Property Damage To Borrowed Equipment
2. The additional insurance provided by A. Exclusion j.(4) under Paragraph 2.
this endorsement does not apply to: Exclusions of Section I -Coverage A -
Bodily Injury And Property Damage
(a) Misappropriation;
Liability does not apply to "property
(b) Secretion;
damage" to borrowed equipment while that
(c) Conversion;
equipment is:
(d) Infidelity; or
(e) Any dishonest act on the part of the 1. Not being used to perform operations;
insured. and
2. Away from an insured's premises.
3. The additional insurance provided by
this endorsement applies only to: B. Subject to Paragraph 5 in Section III -
Limits Of Insurance, Coverage A the most
(a) The actual cost of the keys;
we will pay for damages because of
(b) Adjustment of locks to accept new
"property damage" to equipment you
keys; and
borrow from others is $25,000 per
(c) The cost of new locks, including the
"occurrence".
cost of their installation.
C. The insurance afforded by provision XIII.
B. The most we will pay for loss or damage
Property Damage To Borrowed Equipment
resulting from any one "occurrence" under
is excess over any valid and collectible
this provision XII. is $5,000.
property insurance available to the insured.
C. A deductible of $100 applies to any loss or
XIV. Limited Care, Custody Or Control Liability
damage resulting from any one
Coverage
"occurrence" regardless of the number of
persons or organizations who sustain A. Insuring Agreement
damages because of that "occurrence".
With respect to the coverage provided by
We may pay any part or all of the XIV. Limited Care, Custody Or Control
deductible amount to effect settlement of Liability Coverage, the following is added
any claim or "suit" and upon notification of to Paragraph 1.a. of Section I - Coverage A -
the action taken, you shall promptly Bodily Injury And Property Damage
reimburse us for such part of the deductible Liability:
amount that has been paid by us.
HK1054 (04-2017) page 20
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
We will pay all sums that the insured for the sum of all "loss", including all
becomes legally obligated to pay as resulting loss of use of property, as a
damages because of "loss" to property of result of all "occurrences" under this
others while in the care, custody or coverage is $50,000. These limits are part
control of the insured. of, and not in addition to, the Each
B. Exclusions Occurrence and General Aggregate limit.
With respect to the coverage provided by 2. We will not pay for a "loss" in any one
this coverage extension: "occurrence" until the amount of "loss"
exceeds the deductible shown under D.
1. Exclusions 2.j.(4) and 2.j.(5) of Section I - Deductible. We will then pay the
Coverage A - Bodily Injury And amount of "loss" or damage in excess of
Property Damage Liability do not the deductible, up to the applicable limit
apply; and of insurance.
2. The following additional exclusions are D. Deductible
added to Section I - Coverage A - Bodily 1. We are not obligated to pay any "loss"
Injury And Property Damage Liability: until such "loss" exceeds $250. We will
This insurance does not apply to "loss" to then pay the amount of "loss" in excess
property: of the deductible, up to the applicable
(a) Held by the insured for sale or limit of insurance. This deductible
entrusted to the insured for storage or amount applies to all "loss" to real or
safekeeping; personal property belonging to others as
the result of any one "occurrence".
(b) Owned or occupied by, rented or 2. We may pay any part or all of the
leased to, or loaned to any insured; deductible amount to effect settlement of
(c) Included in the "products-completed any claim or "suit" and, upon notification
operations hazard"; and of the action taken, you shall promptly
(d) Arising from errors or mistakes in reimburse us for such part of the
design, plans or specifications deductible amount as has been paid by
committed by or on behalf of the us.
insured. 3. The terms of this insurance, including
C. Limit Of Insurance those with respect to:
With respect to the coverage provided by (a) Our right and duty to defend any
XIV. Limited Care, Custody Or Control "suits" seeking those damages; and
Liability Coverage, the following is added (b) Your duties in the event of an
to Section III - Limit Of Insurance: "occurrence", claim or "suit",
1. The most we will pay for "loss", apply irrespective of the application of the
including all resulting loss of use of that deductible amount.
property, as a result of any one
"occurrence" under this coverage is E. Excess Insurance
$25,000. However, the most we will pay This insurance is excess over any other
collectible insurance available to the insured.
HK1054 (04-2017) page 21
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
F. Additional Definition (c) Included in the "products-
completed operations hazard", or
The following is added to Section V -
Definitions: (d) Arising from errors or mistakes in
design, plans or specifications
"Loss" means any unintentional damage or
committed by or on behalf of the
destruction but does not include
insured.
disappearance, abstraction or theft.
C. Limit Of Insurance
XV. Voluntary Property Damage Coverage
A. Insuring Agreement With respect to Voluntary Property
Damage Coverage, the following is added
With respect to the coverage provided by to Section III - Limit Of Insurance:
XV. Voluntary Property Damage Coverage, 1. The most we will pay for "loss",
the following is added to Paragraph 1.a. of
including all resulting loss of use of that
Section I - Coverage A - Bodily Injury And property, as a result of any one
Property Damage Liability: "occurrence" under this coverage is
At your request, we will pay for a "loss" $5,000. However, the most we will pay
to property of others caused by you and for the sum of all "loss", including all
while in your possession, arising out of resulting loss of use of property, as a
your business operations and occurring result of all "occurrences" under this
during the policy period even if you are coverage is $25,000. These limits are part
not legally liable, if such property is of, and not in addition to, the Each
otherwise subject to this coverage. Occurrence and General Aggregate limit.
B. Exclusions 2. We will not pay for "loss" in any one
"occurrence" until the amount of "loss"
With respect to the Voluntary Property exceeds the deductible shown under D.
Damage Coverage: Deductible. We will then pay the
1. Exclusions 2.j.(4) and 2.j.(5) of amount of "loss" in excess of the
Section I - Coverage A - Bodily deductible, up to the applicable limit of
Injury And Property Damage insurance.
Liability do not apply;
D. Deductible
2. The following additional exclusions 1. With respect to Voluntary Property
are added to Section I - Coverage A -
Damage Coverage, we are not obligated
Bodily Injury And Property Damage to pay any "loss" until such "loss"
Liability: exceeds $250. We will then pay the
This insurance does not apply to "loss" to amount of "loss" in excess of the
property: deductible, up to the applicable limit of
insurance. This deductible amount
(a) Held by the insured for sale or applies to all "loss" to real or personal
entrusted to the insured for
property belonging to others as the
storage or safekeeping;
result of any one "occurrence".
(b) Owned or occupied by, rented or 2. We may pay any part or all of the
leased to, or loaned to any insured;
deductible amount to effect settlement of
HK1054 (04-2017) page 22
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
any claim or "suit" and, upon notification 2. The Location General Aggregate Limit is
of the action taken; you shall promptly the most we will pay for the sum of all
reimburse us for such part of the damages under Coverage A, except
deductible amount as has been paid by damages because of "bodily injury" or
us. "property damage" included in the
"products-completed operations hazard",
E. Excess Insurance
and for medical expenses under
This insurance is excess over any other Coverage C regardless of the number of:
collectible insurance available to the
a. Insureds;
insured.
b. Claims made or "suits" brought; or
F. Additional Definition c. Persons or organizations making
claims or bringing "suits".
The following is added to Section V -
Definitions: 3. Any payments made under Coverage A
for damages or under Coverage C for
"Loss" means any unintentional "property
medical expenses shall reduce the
damage" but does not include
Location General Aggregate Limit for
disappearance, abstraction or theft.
that "location". Such payments shall not
We will not pay for any "loss" under XIV. reduce the General Aggregate Limit
Limited Care, Custody Or Control Liability shown in the Declarations nor shall they
Coverage unless you are legally liable. If we reduce any other Location General
provide coverage for the same "loss" under Aggregate Limit for any other "location"
XIV. Limited Care, Custody Or Control shown in the Declarations.
Liability Coverage and XV. Voluntary
4. The limits shown in the Declarations for
Property Damage Coverage, the most we will
Each Occurrence, Damage To Premises
pay for the "loss" under the two coverages
Rented To You and Medical Expense
combined is $30,000.
continue to apply. However, instead of
XVI. Aggregate Limit Per Location being subject to the General Aggregate
Limit shown in the Declarations, such
For all sums which the insured becomes legally
limits will be subject to the applicable
obligated to pay as damages caused by
Location General Aggregate Limit.
"occurrences" under Section I - Coverage A -
Bodily Injury And Property Damage XVII. Aggregate Limit Per Project
Liability, and for all medical expenses caused
For all sums which the insured becomes legally
by accidents under Section I - Coverage C -
obligated to pay as damages caused by
Medical Payments, which can be attributed
"occurrences" under Section I - Coverage A -
only to operations at a single designated
Bodily Injury And Property Damage
"location" shown in the Declarations:
Liability, and for all medical expenses caused
1. A separate Location General Aggregate by accidents under Section I - Coverage C -
Limit applies to each "location", and that Medical Payments, which can be attributed
limit is equal to the amount of the only to ongoing operations at a single
General Aggregate Limit shown in the construction project:
Declarations.
HK1054 (04-2017) page 23
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
1. A separate Construction Project General
B. Paragraph 1.d. is replaced with the
Aggregate Limit applies to each construc- following:
tion project, and that limit is equal to the d. All reasonable expenses incurred by the
amount of the General Aggregate Limit insured at our request to assist us in the
shown in the Declarations. investigation or defense of the claim or
2. The Construction Project General "suit", including actual loss of earnings
Aggregate Limit is the most we will pay up to $500 a day because of time off
for the sum of all damages under work.
Coverage A - Bodily Injury And
XIX. Broad Form Named Insured
Property Damage Liability, except
damages because of "bodily injury" or Section II - Who Is An Insured is amended to
"property damage" included in the include as a Named Insured any organization
"products-completed operations hazard", or subsidiary thereof which is a legally
and for medical expenses under incorporated entity of which you own a
Coverage C - Medical Payments financial interest of more than 50 percent of
regardless of the number of: the voting stock on the effective date of this
a. Insureds;
endorsement.
b. Claims made or "suits" brought, or This provision XIX. does not apply to "bodily
c. Persons or organizations making injury", "property damage" or "personal and
claims or bringing "suits". advertising injury" with respect to which a
3. Any payments made under Coverage A -
Named Insured under this policy is also a
Bodily Injury And Property Damage
Named Insured under another policy or would
Liability for damages or under Coverage
be a Named Insured under such policy but for
C - Medical Payments for medical
its termination or upon exhaustion of its limits
expenses shall reduce the Construction of insurance.
Project General Aggregate Limit for that XX. Additional Insureds Required By Contract
construction project. Such payments shall A. Section II - Who Is An Insured is amended
not reduce any other Construction to include as an additional insured any
Project General Aggregate Limit for any person or organization for whom you are
other construction project. performing operations when you and such
XVIII. Supplementary Payments Increased Limits person or organization have agreed in
Under Supplementary Payments - Coverage writing in a contract or agreement or that
A. and B. of Section I:
such person or organization be added as an
additional insured on your policy. Such
A. Paragraph 1.b. is replaced with the person or organization is an additional
following: insured only with respect to liability for
b. Up to $2,500 for cost of bail bonds
"bodily injury", "property damage", or
required because of accidents or traffic "personal and advertising injury" caused, in
law violations arising out of the use of whole or in part , by:
any vehicle to which the Bodily Injury 1. Your acts or omissions; or
Liability Coverage applies. We do not 2. The acts or omissions of those acting on
have to furnish these bonds. your behalf;
HK1054 (04-2017) page 24
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
in the performance of your ongoing than service, maintenance or repairs)
operations for the additional insured. to be performed by or on behalf of the
additional insured(s) at the location
A person's or organization's status as an
of the covered operations has been
additional insured under this endorsement
completed; or
ends when your operations for that
additional insured are completed. b. That portion of "your work" out of
B. With respect to the insurance afforded to which the injury or damage arises has
been put to its intended use by any
these additional insureds, the following
person or organization other than
additional exclusions apply:
another contractor or subcontractor
This insurance does not apply to: engaged in performing operations for
1. "Bodily injury", "property damage" or " a principal as part of the same project.
personal and advertising injury" arising XXI. Additional Insured - Lessor Of Leased
out of the rendering of, or the failure to Equipment - Automatic Status When
render, any professional architectural, Required In Lease Agreement With You
engineering or surveying services
including, but not limited to:
A. Section II - Who Is An Insured is amended
to include as an additional insured any
a. The preparing, approving, or failing person(s) or organization(s) from whom
to prepare or approve, maps, shop you lease equipment when you and such
drawings, opinions, reports, surveys, person(s) or organization(s) have agreed in
field orders, change orders or writing in a contract or agreement that such
drawings and specifications; or person(s) or organization(s) be added as an
b. Supervisory, inspection, architectural additional insured on your policy. Such
person(s) or organization(s) is an additional
or engineering activities.
insured only with respect to liability for
This exclusion applies even if the claims "bodily injury", "property damage" or
against any insured allege negligence or "personal and advertising injury" caused, in
other wrongdoing in the supervision, whole or in part, by your maintenance,
hiring, employment, training or monitoring operation or use of equipment leased to you
of others by that insured, if the "occurrence" by such person(s) or organization(s).
which caused the "bodily injury" or
A person's or organization's status as an
"property damage", or the offense which
additional insured under this provision
caused the "personal and advertising
injury", involved the rendering of or the
XXI. ends when their contract or agreement
with you for such leased equipment ends.
failure to render any professional
architectural, engineering or surveying This provision XXI. Does not apply to any
services. person or organization included as an
2. "Bodily injury" or "property damage" additional insured by an endorsement
issued by us and made a part of the
occurring after:
Coverage Form.
a. All work, including materials, parts or B. With respect to the insurance afforded to
equipment furnished in connection
these additional insureds, this insurance
with such work, on the project (other
does not apply to any "occurrence" which
HK1054 (04-2017) page 25
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
takes place after the equipment lease b. "Bodily injury" or "property damage"
expires. included within the "products-
completed operations hazard".
XXII. Additional Insured - Managers Or Lessors Of
Premises When Required in Written Lease With respect to the insurance afforded to these
Agreement With You additional insureds in provisions XX., XXI.,
Section II - Who Is An Insured is amended to XXII. and XXIII., the following is added:
include as an additional insured when 1. The insurance afforded to such
required in a written lease agreement, any additional insured:
person(s) or organization(s) from whom you
have leased premises, but only with respect to
a. Only applies to the extent permitted
by law; and
liability arising out of the ownership,
maintenance or use of that part of the premises b. Will not be broader than that which
leased to you and subject to the following you are required by the written
additional exclusions: contract or written agreement to
provide for such additional insured.
This insurance does not apply to:
1. Any "occurrence" which takes place after c. Does not apply unless the written
lease agreement has been executed
you cease to be a tenant in that premises.
prior to the "bodily injury", "property
2. Structural alterations, new construction damage", or "personal or advertising
or demolition operations performed by injury".
or on behalf of the manager or the lessor.
2. The following is added to Section III -
XXIII. Additional Insured - State Or Political Limits Of Insurance:
Subdivisions Automatic Status When The most we will pay on behalf of the
Required For Permits additional insured is the amount of
1. Section II - Who Is An Insured is insurance:
amended to include as an additional
insured any state or governmental
a. Required by the written contract or
agreement; or
agency or subdivision or political
subdivision. This insurance applies only b. Available under the applicable Limits
with respect to operations performed by of Insurance shown in the
you or on your behalf for which the state Declarations,
or governmental agency or subdivision
whichever is less.
or political subdivision has issued a
permit or authorization. Provisions XX., XXI., XXII. and XXIII. shall
not increase the applicable Limits of
2. This insurance does not apply to: Insurance shown in the Declarations and
a. "Bodily injury", "property damage" or do not apply to any person(s) or
"personal and advertising injury" organization(s) included as an additional
arising out of operations performed insured by an endorsement issued by us
for the federal government, state or and made a part of the Coverage Form.
municipality; or
HK1054 (04-2017) page 26
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
XXIV. Incidental Medical Malpractice "damage to your products" that
occurred before you acquired or
Paragraph 2.a.(1)(d) of Section II - Who Is An
formed the organization.
Insured, does not apply to your "employees"
who provide professional health care services An additional premium will apply in
on your behalf as duly licensed: accordance with our rules and rates in
effect on the date you acquired or formed
1. Nurses; the organization.
2. Emergency Medical Technicians; or
3. Paramedics B. The last paragraph of Section II - Who Is
in the jurisdiction where an "occurrence" or
An Insured does not apply to this provision
to the extent that such paragraph would
offense to which this insurance applies takes
conflict with this provision.
place. This coverage does not apply if you are
in the business or occupation of providing any XXVI. Medical Payments Increased Limits
such professional services.
The Medical Expense Limit shown in the
XXV. Newly Formed Or Acquired Organizations As Declarations is increased to $10,000.
Named Insureds XXVII. Electronic Data Liability
A. Paragraph 3. of Section II - Who Is An A. Exclusion 2.p. of Coverage A - Bodily
Insured is replaced by the following: Injury And Property Damage Liability in
3. Any organization you newly acquire or Section I - Coverages is replaced by the
form during the policy period, other following:
than a partnership or joint venture, and
over which you maintain an ownership
2. Exclusions
interest of more than 50 percent of such This insurance does not apply to:
organization, will qualify as a Named
Insured if there is no other similar
p. Electronic Data
insurance available to that organization. Damages arising out of the loss of,
loss of use of, damage to, corruption
a. Coverage under this provision is of, inability to access, or inability to
afforded only until the 180th day
manipulate "electronic data" that does
after you acquire or form the
not result from physical injury to
organization or the end of the policy
tangible property.
period, whichever is earlier;
However, this exclusion does not apply
b. Coverage A does not apply to "bodily to liability for damages because of
injury" or "property damage" that
"bodily injury".
occurred before you acquired or
formed the organization; B. The following paragraph is added to
c. Coverage B does not apply to Section III - Limits Of Insurance:
"personal and advertising injury" 8. Subject to 5. above, the Loss of Electronic
arising out of an offense committed Data Limit of $10,000 is the most we will
before you acquired or formed the pay under Coverage A for "property
organization; and damage" because of all loss of "electronic
data" arising out of any one "occurrence".
d. Coverage A does not apply to
HK1054 (04-2017) page 27
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
C. The following definition is added to the Conditions that you must see to it that we
Section V - Definitions: are notified of an "occurrence" only applies
"Electronic data" means information, facts when the "occurrence" or offense is known
or programs stored as or on, created or used to:
on, or transmitted to or from computer 1. You, if you are an individual;
software (including systems and 2. A partner, if you are a partnership;
applications software), hard or floppy disks, 3. An officer of the corporation if you are a
CD-ROMs, tapes, drives, cells, data corporation;
processing devices or any other media 4. Your members and managers, if you are
which are used with electronically a limited liability company;
controlled equipment. 5. Your insurance manager; or
D. For the purpose of the coverage provided 6. The trustee, if you are a trust.
by this provision XXVII., the definition of B. The requirement in Condition 2.b. of
"property damage" in Section V - Section IV - Commercial General Liability
Definitions is replaced by the following: Conditions that you must see to it that we
17. "Property damage" means: receive written notice of a claim or "suit" as
soon as practicable will not be considered
a. Physical injury to tangible property, breached unless the breach occurs after
including all resulting loss of use of such claim or "suit" is known to:
that property. All such loss of use 1. You, if you are an individual;
shall be deemed to occur at the time 2. A partner, if you are a partnership;
of the physical injury that caused it; 3. An officer of the corporation if you are a
b. Loss of use of tangible property that corporation;
is not physically injured. All such loss 4. Your members and managers if you are a
of use shall be deemed to occur at the limited liability company;
time of the "occurrence" that caused 5. Your insurance manager; or
it; or 6. The trustee, if you are a trust.
c. Loss of, loss of use of, damage to, XXIX. Blanket Primary And Noncontributory -
corruption of, inability to access, or Other Insurance Condition
inability to properly manipulate Section IV - Commercial General Liability
"electronic data", resulting from Conditions, is amended by the addition of the
physical injury to tangible property. following to the Other Insurance Condition
All such loss of "electronic data" shall and supersedes any provision to the contrary:
be deemed to occur at the time of the
"occurrence" that caused it. Primary and Noncontributory
For the purposes of this insurance, "electronic Insurance provided under this policy shall
data" is not tangible property. apply on a primary basis and shall not seek
XXVIII. Duties In The Event Of Occurrence, Offense, contribution from any other insurance
Claim Or Suit - Redefined available to an additional insured added to
this policy by provisions XX., XXI., XXII. and
A. The requirement in Condition 2.a. of XXIII., subject to the following conditions:
Section IV - Commercial General Liability
HK1054 (04-2017) page 28
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement IL 20 Policy Number: CPP 2782831
Contractors' Optimum Endorsement
1. The additional insured is a Named XXXI. Mobile Equipment Redefined
Insured under such other insurance; and Paragraph 12.f., subparagraph (1) of Section
2. You have agreed in writing in a contract V - Definitions does not apply to self-
or agreement that this insurance would propelled vehicles of less than 1,000 pounds
be primary and would not seek gross vehicle weight.
contribution from any other insurance XXXII. Unintentional Failure To Disclose Hazards
available to the additional insured.
XXX. Waiver Of Transfer Of Rights Of Recovery
Any unintentional error or omission in the
Against Others To Us When Required Within
description of, or failure to completely
A Written Agreement With You - Blanket
describe, any premises or operations intended
to be covered by this Coverage Form will not
Section IV - Commercial General Liability invalidate or affect coverage for those
Conditions, 8. Transfer Of Rights Of premises or operations. However, you must
Recovery Against Other To Us is amended by report such error or omission to us as soon as
the addition of the following: practicable after its discovery. This provision
We waive any right of recovery we may have does not affect our right to collect additional
because of payments we make for injury or premium as a result of any unintentional error
damage arising out of: or omission. In addition, this provision does
not affect our rights of cancellation or
1. Your ongoing operations or "your work" nonrenewal in accordance with applicable
done under a written contract with that insurance laws or regulations.
person or organization and included in XXXIII. Liberalization Clause
the "products-completed operations
hazard"; or If we revise this Contractors' Optimum
2. The ownership, maintenance or use of
Endorsement to provide more coverage
that part of the premises leased to you. without additional premium charge, your
policy will automatically provide the
The waiver applies only to a person or additional coverage as of the day the revision
organization with whom you have a is effective in your state.
written contract or agreement in which you
are required to waive the rights of recovery
under this policy, but only to the extent that
subrogation is waived prior to any injury or
damage under a contract with that person
or organization. The insured must do
nothing after a loss to impair our rights. At
our request, the insured will bring "suit" or
transfer those rights to us and help us
enforce those rights.
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
HK1054 (04-2017) page 29
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement CG 38 Policy Number: CPP 2782831
ADDITIONAL INSURED - OWNERS, LESSEES OR
CONTRACTORS - COMPLETED OPERATIONS -
AUTOMATIC STATUS WHEN REQUIRED IN
CONSTRUCTION AGREEMENT WITH YOU
THIS ENDORSEMENT CHANGES THE POLICY. "Vicarious liability" is defined in this
PLEASE READ IT CAREFULLY. endorsement as liability that is imposed on
the additional insured solely by virtue of its
This endorsement modifies insurance provided relationship with you, and not due to any
under the following: act or omission of the additional insured.
COMMERCIAL GENERAL LIABILITY 2. The insurance afforded to such additional
COVERAGE PART insured only applies to the extent permitted
by law; and
A. Section II - Who Is An Insured is amended to
include as an additional insured any person or 3. If coverage provided to the additional
organization for whom you are required by a insured is required by a contract or
written contract or agreement, executed by agreement, the insurance afforded to such
both parties prior to the date of loss, to add as additional insured will not be broader than
an additional insured on your policy. Such that which you are required by the contract
person or organization is an additional insured or agreement to provide for such additional
only with respect to liability for "bodily injury" insured.
or "property damage" caused, in whole or in
part, by "your work" performed for the C. With respect to the insurance afforded to these
additional insured and included in the additional insureds, the following is added to
"products-completed operations hazard". But Section III - Limits Of Insurance:
such person or organization is not an
additional insured under this policy for any If coverage provided to the additional insured
works, claims, losses, damages, acts or is required by contract or agreement, the most
omissions of any kind that are unrelated to we will pay on behalf of the additional insured
"your work" for such entity. is the amount of insurance:
B. With respect to the insurance afforded to these 1. Required by the contract or agreement; or
additional insureds, the following additional
limitations and exclusions apply: 2. Available under the applicable Limits of
Insurance Shown in the Declarations;
1. This insurance does not apply to any
"bodily injury" or "property damage" whichever is less.
resulting from any act or omission by, or
willful misconduct of the additional D. If you have agreed in a written contract or
insured, whether the sole or a contributing agreement that this policy will be primary, and
cause of the loss. Coverage afforded to the without right of contribution from any
additional insured is limited solely to the insurance issued to that additional insured,
additional insured's "vicarious liability" and the contract or agreement was executed
that is a specific and direct result of your prior to the "bodily injury" or "property
conduct.
IN133 (06-2015) Page 1 of 2
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement CG 38 Policy Number: CPP 2782831
ADDITIONAL INSURED - OWNERS, LESSEES OR
CONTRACTORS - COMPLETED OPERATIONS -
AUTOMATIC STATUS WHEN REQUIRED IN
CONSTRUCTION AGREEMENT WITH YOU
damage", then this insurance will be primary
over, and we will not seek contribution from,
such insurance. The primary and noncontrib-
utory provision applies only with respect to
liability for "bodily injury" or "property
damage" caused, in whole or in part, by "your
work" performed for the additional insured
and included in the "products-completed
operations hazard".
This endorsement shall not increase the applicable
Limits of Insurance shown in the Declarations.
Includes copyrighted material from the Insurance Services Office, Inc. with its permission.
IN133 (06-2015) Page 2 of 2
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement CA 60 Policy Number: CA 2782832
Business Auto Optimum
THIS ENDORSEMENT CHANGES THE POLICY. Any employee of yours is an "insured":
PLEASE READ IT CAREFULLY. (1) While using a covered "auto" you don't
With respect to the coverage provided by this own, hire or borrow in your business or
endorsement, the provisions of the Business Auto personal affairs; or
Coverage Form apply unless modified by the (2) While operating an "auto" hired or
endorsement. rented without a driver under contract
SECTION II - COVERED AUTOS LIABILITY or agreement in that "employee's" name,
COVERAGE with your permission, while performing
A. Broad Form Insured
duties related to the conduct of your
business.
Paragraph A.1., Who Is An Insured, is f. Blanket Additional Insureds
amended to include as an insured:
d. Any legally incorporated entity of which
Any person or organization whom you are
you own more than 50 percent of the voting required in a written contract or agreement
stock during the period for which this to include as an additional "insured" with
endorsement is effective, if there is no respect to your ownership, maintenance or
similar insurance available to that use of a covered "auto". This provision only
organization. However: applies to written contracts or agreements
that are signed prior to any "bodily injury"
(1) The Named Insured does not include or "property damage" to which coverage
any organization: applies.
(a) that is a partnership or joint venture; Coverage under this provision (f.) shall be
or primary and non-contributory with respect
(b) that is an insured under any other
to the person or organization included as
policy, or has exhausted its Limit of an "insured" under this provision(f.), but
Insurance under any other policy. only if the written contract or agreement
requires coverage to be primary and
Paragraph d.(1)(i) above does not apply to a non-contributory.
policy written to apply specifically in excess B. Increased Supplementary Payments
of this policy.
(2) Coverage for newly acquired or formed
Paragraphs 2.a.(2) and (4) Supplementary
organizations is afforded only for 180 Payments are replaced by the following:
days from the date of acquisition or (2) Up to $5,000 for the cost of bail bonds
formation. (including bonds for related traffic law
(3) Coverage does not apply to "bodily
violations) required because of an
injury" or "property damage" that results "accident" we cover. We do not have to
from an "accident" that occurred before furnish these bonds.
you formed or acquired that (4) All reasonable expenses incurred by the
organization. "insured" at our request, including actual
e. Employees As Insureds - Non-ownership
loss of earning up to $500 a day because of
time off from work.
Contains copyrighted material of ISO Properties, Inc., used with permission
CKK104 (10-2016) continued...
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement CA 60 Policy Number: CA 2782832
Business Auto Optimum
C. Amended Fellow Employee Exclusion equal to the broadest coverage applicable to
any covered "auto" you own.
Exclusion 5., under Paragraph B., Exclusions,
of SECTION II - COVERED AUTOS e. Subject to a maximum limit of $500 per
LIABILITY COVERAGE, does not apply if the "accident", we will also cover loss of use of
"bodily injury" results from the use of a the hired "auto" if it results from an
covered "auto" you own or hire. "accident", you are legally liable for, and the
lessor incurs an actual financial loss.
The insurance provided under this provision is
excess over any other collectible insurance. 6. Air Bag Coverage
SECTION III - PHYSICAL DAMAGE We will pay up to a maximum of $1,000 per
COVERAGE occurrence to have air bags in your covered
"auto" replaced for an incurred "loss" resulting
The following coverages are added to Paragraph
from accidental deployment. Collision,
A. Coverage, of SECTION III - PHYSICAL Specified Causes of Loss, and Comprehensive
DAMAGE COVERAGE: deductibles do not apply to this coverage.
5. Hired Auto Physical Damage Coverage 7. Additional Living Expense
(Other Than "Mobile Equipment")
We will pay up to $25 a day, to a maximum of
If hired "autos" are covered "autos" for
$400 for additional living expenses, meaning
Liability Coverage, and if Comprehensive,
food, lodging and telephone costs, incurred by
Specified Causes of Loss, or Collision coverage
you due to a covered "loss" caused by:
are provided under the Business Auto
Coverage Form for any "auto" you own, then a. Comprehensive only if the Declarations
the Physical Damage coverages provided are indicate that Comprehensive Coverage is
extended to "autos" you hire, subject to the provided for that "auto".
following:
b. Specified Causes of Loss only if the
a. The most we will pay for "loss" to any hired Declarations indicate that Specified Causes
"auto" is the lesser of: of Loss Coverage is provided for that auto.
(1) $75,000; c. Collision only if the Declarations indicate
(2) Actual Cash Value; or that Collision Coverage is provided for that
(3) Cost of Repair. auto.
b. For each hired "auto", our obligation to pay This coverage applies only in the event that
for "loss" will be reduced by the deductible. the "loss":
The deductible will be equal to the largest
deductible applicable to any owned "auto"
a. Disables a covered "auto"; and
for that coverage. No deductible applies to b. Occurs more than 100 miles from the
"loss" caused by fire or lightning. insured address shown in the Declarations
or the garaging address of your covered
c. The insurance provided under this "auto", if it is different from the insured
coverage extension is excess over any
address.
other collectible insurance.
We will pay the additional living expenses
d. Subject to the above limit, deductible and incurred until your covered "auto" is returned
excess provisions, we will provide coverage
to use or we pay for its "loss".
CKK104 (10-2016) page 2
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement CA 60 Policy Number: CA 2782832
Business Auto Optimum
8. Locked Vehicle Coverage 10. Loan Lease Gap Coverage
We will pay to have your covered "auto" In the event of a total "loss" to a covered "auto"
unlocked if your vehicle's keys are locked shown in the Schedule or Declarations we will
inside your covered "auto". Collision, Specified pay any unpaid amount due on the lease or
Causes of Loss, and Comprehensive loan for a covered "auto", less:
deductibles do not apply to this coverage. a. The amount paid under SECTION III -
9. Rental Reimbursement Coverage PHYSICAL DAMAGE COVERAGE of the
The following coverage is added to SECTION policy; and
III - PHYSICAL DAMAGE COVERAGE, b. Any:
Paragraph A. Coverage: (1) Overdue lease/loan payments at the
a. This coverage applies only to a covered time of the "loss";
"auto" described in the policy. (2) Financial penalties imposed under a
b. We will pay for rental reimbursement lease for excessive use, abnormal wear
expenses incurred by you for the rental of and tear or high mileage;
an "auto" because of "loss" to a covered (3) Security deposits not returned by the
"auto". Payment applies in addition to the lessor;
otherwise applicable amount of each
coverage you have on a covered "auto". No (4) Costs for extended warranties, Credit
deductible applies to this coverage. Life Insurance, Health, Accident or
c. We will pay only for those expenses
Disability Insurance purchased with the
incurred during the policy period loan or lease; and
beginning 24 hours after the "loss" and (5) Carry-over balances from previous loans
ending, regardless of the policy's or leases.
expiration, at a maximum of 30 days. The following changes have been made to
d. Our payment is limited to the lesser of the SECTION III - PHYSICAL DAMAGE
following amounts: COVERAGE:
(1) Necessary and actual expenses incurred. A. Towing and Labor
(2) A maximum payment of $60 per day. Paragraph A.2. Towing under SECTION III -
PHYSICAL DAMAGE COVERAGE, is
e. This coverage does not apply while there
are spare or reserve "autos" available to you deleted and replaced by the following:
for your operations. 2. Towing and Labor
f. If "loss" results from the total theft of a We will pay towing and labor costs
covered "auto" of the private passenger incurred up to the limits shown below, each
type, we will pay under this coverage only time a covered "auto" classified and rated as
that amount of your rental reimbursement a private passenger type, "light truck" or
expenses which is not already provided for "medium truck" is disabled:
under the PHYSICAL DAMAGE
COVERAGE Coverage Extension.
CKK104 (10-2016) page 3
Trustgard Insurance Company
P.O. Box 1218
Columbus, Ohio 43216-1218
Endorsement CA 60 Policy Number: CA 2782832
Business Auto Optimum
a. For private passenger type vehicles or B. Waiver Of Transfer Of Rights Of Recovery
"light trucks" we will pay to up $75 per Against Others To Us - Automatic Status
disablement. "Light trucks" are trucks Under An Insured Contract
that have a gross vehicle weight (GVW)
of 10,000 pounds or less. Under SECTION IV, BUSINESS AUTO
CONDITIONS, A.5. Transfer Of Rights Of
b. For "medium trucks" we will pay up to Recovery Against Others To Us is amended
$175 per disablement. "Medium trucks" by the addition of the following paragraphs:
are trucks that have a gross vehicle a. We waive any right of recovery we may
weight (GVW) of 10,001-20,000 pounds. have against any person or organization
However, the labor must be performed at described in Paragraph b. below because of
the place of disablement. payments we make for "bodily injury" or
B. Physical Damage Increased Transportation
"property damage" caused by an "accident"
Expense Coverage
and resulting from the ownership,
maintenance, or use of a covered "auto" in
Coverage for temporary transportation performance of work being performed
expense under 4. Coverage Extensions, a. under a contract with that person or
Transportation Expenses, is increased to $50 organization.
per day, up to a maximum limit of $1,000. b. The waiver applies only to a person or
C. Glass Repair - Waiver of Deductible organization with whom you have a
The following is added to Paragraph D. written contract or agreement in which you
Deductible of SECTION III - PHYSICAL
are required to waive the rights of recovery
DAMAGE COVERAGE:
under this policy, but only to the extent that
subrogation is waived prior to the
No deductible applies to glass damage if the "accident" or the "loss" under a contract
glass is repaired rather than replaced. with that person or organization.
SECTION IV - BUSINESS AUTO CONDITIONS
A. Unintentional Failure to Disclose Hazards
Paragraph B., General Conditions, is amended
by adding the following:
9. Unintentional Failure to Disclose Hazards
If you unintentionally fail to disclose any
hazards or exposures existing as of the
inception date of the Business Auto
Coverage Form, the coverage afforded by
this policy will not be prejudiced. However,
you must report the undisclosed hazard or
exposure as soon as practicable after its
discovery, and we have the right to collect
additional premium for same.
CKK104 (10-2016) page 4