BUILMAI-01 LFRANCO
DATE (MM/DD/YYYY)
CERTIFICATE OF LIABILITY INSURANCE 6/19/2025
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 Cheryl O'Pry
PRODUCER NAME:
Snellings Walters Insurance Agency PHONE FAX
(A/C, No, Ext): (470) 514-4872 (A/C, No):
5 Concourse Pkwy E-MAIL
Suite 2700 ADDRESS: copry@snellingswalters.com
Atlanta, GA 30328-5350
INSURER(S) AFFORDING COVERAGE NAIC #
INSURER A : Monroe Guaranty Insurance Co. 32506
INSURED INSURER B : FCCI Insurance Company 10178
Building Maintenance Services Inc. INSURER C :
1955 Vaughn Road, Suite 105 INSURER D :
Kennesaw, GA 30144
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 100071132 7/1/2025 7/1/2026 DAMAGE TO RENTED
PREMISES (Ea occurrence) $
1,000,000
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: $
A AUTOMOBILE LIABILITY
COMBINED SINGLE LIMIT
(Ea accident) $
1,000,000
X ANY AUTO X X CA 100071133 04 7/1/2025 7/1/2026 BODILY INJURY (Per person) $
OWNED SCHEDULED
AUTOS ONLY AUTOS BODILY INJURY (Per accident) $
PROPERTY DAMAGE
X HIRED
AUTOS ONLY X NON-OWNED
AUTOS ONLY (Per accident) $
Comp Ded $1,000 Coll Ded $1,000 HAPD Auto Incl
X X $
B X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $
5,000,000
EXCESS LIAB CLAIMS-MADE X X UMB100093431 00 7/1/2025 7/1/2026 AGGREGATE $
5,000,000
DED X RETENTION $ 10,000 $
B WORKERS COMPENSATION X PER
STATUTE
OTH-
ER
AND EMPLOYERS' LIABILITY
Y/N
ANY PROPRIETOR/PARTNER/EXECUTIVE X WC0 100071125 7/1/2025 7/1/2026 E.L. EACH ACCIDENT $
1,000,000
OFFICER/MEMBER EXCLUDED? N N/A
1,000,000
(Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $
If yes, describe under 1,000,000
DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $
A Crime/Fidelity Bond CPP 100071132 7/1/2025 7/1/2026 $1,000 Deductible 1,000,000
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
CERTIFICATE HOLDER CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Dekalb County School District ACCORDANCE WITH THE POLICY PROVISIONS.
1701 Mountain Industrial Blvd.
Stone Mountain, GA 30083
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: BUILMAI-01 LFRANCO
LOC #: 1
ADDITIONAL REMARKS SCHEDULE Page 1 of 1
AGENCY NAMED INSURED
Building Maintenance Services Inc.
Snellings Walters Insurance Agency 1955 Vaughn Road, Suite 105
POLICY NUMBER Kennesaw, GA 30144
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
Policy Forms/Endorsements
General Liability:
CGL 088 (01 15) - FIRST CHOICE CONTRACTORS LIABILITY ENDORSEMENT
CGL 084 (10 13) - ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS – AUTOMATIC STATUS WHEN REQUIRED IN
CONSTRUCTION -AGREEMENT WITH YOU – ONGOING OPERATIONS AND PRODUCTS-COMPLETED OPERATIONS
CG 20 01 04 13 - PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION
Automobile Liability:
CAU 058 (05 19) - AUTO FIRST CHOICE COVERAGE ENDORSEMENT
CAU 082 01-15 - AUTOMATIC INSURED – BUSINESS AUTO POLICY - PRIMARY/NON-CONTRIBUTING
WHEN REQUIRED BY CONTRACT
Work Comp:
WC 00 03 13 (Ed. 4-84) - WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT
ACORD 101 (2008/01) © 2008 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
SCHEDULE OF UNDERLYING POLICIES
Insured: BUILDING MAINTENANCE SERVICES
Effective on and after 07/01/2018 12:01 A.M. Standard Time
This Schedule is part of Policy Number: UHA D627251 00
CARRIER, POLICY NUMBER & PERIOD TYPE OF POLICY APPLICABLE LIMITS OR AMOUNT OF INSURANCE
(a) Carrier: MASSACHUSETTS BAY Commercial General Liability $1,000,000 Occurrence/ Each Claim
INSURANCE COMPANY
Policy Number: ZDA D627246 00 Owned Autos $1,000,000 Personal Injury
Policy Period: 07/01/2018 TO 07/01/2019 Non-owned & Hired Autos $1,000,000 Advertising Injury
$2,000,000 General Aggregate
$2,000,000 Product/Completed Operations
Aggregate
(b) Carrier: ALLMERICA FINANCIAL BENEFITS Comprehensive Automobile Bodily Injury and Property Damage Liability Combined:
Liability including
Policy Number: AWA D627214 00 Owned Autos $1,000,000 Each Accident
Policy Period: 07/01/2018 TO 07/01/2019 Non-Owned & Hired Autos Bodily Injury
$ Each Person
$ Each Accident
Property Damage:
$ Each Accident
(c) Carrier: Garage Liability Bodily Injury and Property Damage Liability Combined:
Policy Number: Dealers Each Accident
Policy Period: Service Garage Operations
$ Auto Only
$ Other than Auto Only
$ Aggregate
Garage Operations
$ Other than Auto Only
(d) Carrier: Excluded Standard Workers’ Compensation Coverage B – Employers Liability
& Employers’ Liability
Policy Number: Bodily Injury by Accident
Policy Period: $ Each Accident
NEW YORK ONLY: Bodily Injury by Disease
The Umbrella Coverage for $ Each Employee
Workers’ Compensation and $ Aggregate
Employers Liability is not
applicable in situations where an
employee is subject to the New
York Workers’ Compensation Law.
An “X” marked in the box provided indicates these broadening or optional coverage are provided in the Underlying Insurance
475-0003 12 14 Page 4 Issued 07/10/2018
Includes copyrighted material of Insurance Services Office, Inc. with its permission
Agent
(e) Carrier: Liquor Liability $ Each Common Cause
Policy Number: $ Other
Policy Period: $ Aggregate
$ Other
(f) Carrier: Professional Liability $ Each Occurrence
Policy Number: $ Each Claim
Policy Period: $ Other
$ Aggregate
$ Other
(g) Carrier: Directors & Officers Liability $ Each Occurrence
Policy Number: $ Each Claim
Policy Period: $ Other
$ Aggregate
$ Other
(h) Carrier: Stop Gap Liability Bodily Injury by Accident
Policy Number: $ Each Accident
Policy Period: Bodily Injury by Disease
$ Each Employee
$ Aggregate
(i) Carrier: Abuse and Molestation $ Each Occurrence
Policy Number: $ Each Claim
Policy Period: $ Other
$ Aggregate
(j) Carrier: Foreign $ Each Occurrence
Policy Number: $ Each Claim
Policy Period: $ Other
$ Aggregate
(k) Carrier: MASSACHUSETTS BAY Employee Benefits Liability $ Each Occurence
INSURANCE COMPANY
Policy Number: ZDA D627246 00 $1,000,000 Each Claim
Policy Period: 07/01/2018 TO 07/01/2019 $ Other
$2,000,000 Aggregate
(l) Carrier: Other $ Each Occurrence
Policy Number: $ Each Claim
Policy Period: $ Other
$ Aggregate
An “X” marked in the box provided indicates these broadening or optional coverage are provided in the Underlying Insurance
Countersigned By:_________________________________________ Date:________________
Authorized Representative of the Company
475-0003 12 14 Page 5 Issued 07/10/2018
Includes copyrighted material of Insurance Services Office, Inc. with its permission
Agent
POLICY CHANGES ENDORSEMENT DESCRIPTION
THE SCHEDULE OF UNDERLYING DECLARATION HAS BEEN AMENDED AS FOLLOWS:
ADDED U/L WC: CARRIER: PRAETORIAN INSURANCE COMPANY, POL # QWC4001743,
EFF: 07/01/2018 TO 07/01/2019, LIMITS: $1,000,000/$1,000,000/$1,000,000
475-0322 12 14 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of 2
Original Insured
POLICY NUMBER: UMB10009343100
SCHEDULE OF UNDERLYING INSURANCE
NAME OF UNDERLYING INSURER COVERAGE LIMIT OF INSURANCE
UNDERLYING POLICY NUMBER (UNDERLYING LIMIT)
UNDERLYING POLICY PERIOD
026 MONROE GUARANTY INSURANCE
COMPANY Commercial Automobile Liability Combined Single Limit-Each Accident
CA 100071133 $1,000,000
07/01/2025 - 07/01/2026 OR
Bodily Injury-Each Person
Bodily Injury-Each Accident
Property Damage-Each Accident
026 MONROE GUARANTY INSURANCE
COMPANY Commercial General Liability Each Occurrence Limit
CPP 100071132 $1,000,000
07/01/2025 - 07/01/2026 X Occurrence Form General Aggregate Limit
Claims-Made Form $2,000,000
Retroactive Date Personal and Advertising Injury Limit
$1,000,000
Products-Completed Operations Aggregate
Limit
$2,000,000
001 FCCI INSURANCE COMPANY
Employers Liability Bodily Injury by Accident-Each Accident
WC0 100071125
$1,000,000
07/01/2025 - 07/01/2026 Bodily Injury by Disease-Policy Limit
$1,000,000
Bodily Injury by Disease-Each Employee
$1,000,000
026 MONROE GUARANTY EMPLOYEE BENEFITS
AGGREGATE LIMIT
INSURANCE COMPANY
$1,000,000
CPP 100071132 X Occurrence Form
07/01/2025 - 07/01/2026 Claims-Made Form
Retroactive Date
1-UNCUM-9549 0916
QUOTE
WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 03 13
(Ed. 4-84)
WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT
We have the right to recover our payments from anyone liable for an injury covered by this policy. We will
not enforce our right against the person or organization named in the Schedule. (This agreement applies
only to the extent that you perform work under a written contract that requires you to obtain this agreement
from us.)
This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule.
Schedule
All persons or organizations that, in a written contract executed by both parties prior to the
date of the injury covered by this policy, require you to obtain this agreement from us.
NOTE: This endorsement does not apply to any work completed at job sites located in Kentucky.
This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated.
(The information below is required only when this endorsement is issued subsequent to preparation of the policy.)
Endorsement Effective 07-01-25 Policy No. WC0100071125 Endorsement No.
Insured BUILDING MAINTENANCE SERVICES INC. Premium $ Incl.
Insurance Company FCCI Insurance Company
Countersigned By
WC 00 03 13
(Ed. 4-84)
¤ 1983 National Council on Compensation Insurance.
Insured Copy
COMMERCIAL GENERAL LIABILITY
CG 20 01 04 13
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
PRIMARY AND NONCONTRIBUTORY ---
OTHER INSURANCE CONDITION
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
PRODUCTS/ COMPLETED OPERATIONS LIABILITY COVERAGE PART
The following is added to the Other Insurance (2) You have agreed in writing in a contract or
Condition and supersedes any provision to the agreement that this insurance would be
contrary: primary and would not seek contribution
Primary And Noncontributory Insurance from any other insurance available to the
additional insured.
This insurance is primary to and will not seek
contribution from any other insurance available
to an additional insured under your policy
provided that:
(1) The additional insured is a Named Insured
under such other insurance; and
CG 20 01 04 13 Insurance Services Office, Inc., 2012 Page 1 of 1
Insured Copy
FIRST CHOICE CONTRACTORS LIABILITY ENDORSEMENT
TABLE OF CONTENTS
DESCRIPTION PAGE
Additional Insured Coverage ...................................................................................................................................... 9
Bail Bonds................................................................................................................................................................... 9
Blanket Waiver of Subrogation ................................................................................................................................. 14
Bodily Injury and Property Damage ........................................................................................................................... 1
Care, Custody or Control ............................................................................................................................................ 3
Contractors Errors and Omissions ............................................................................................................................. 6
Contractual Liability (Personal & Advertising Injury) .................................................................................................. 2
Electronic Data Liability .............................................................................................................................................. 1
General Liability Conditions ...................................................................................................................................... 13
Incidental Malpractice ................................................................................................................................................. 9
Insured ........................................................................................................................................................................ 9
Limited Product Withdrawal Expense ........................................................................................................................ 3
Limits of Insurance ................................................................................................................................................... 11
Loss of Earnings ......................................................................................................................................................... 9
Lost Key Coverage ..................................................................................................................................................... 8
Newly Formed or Acquired Organizations ............................................................................................................... 11
Non-Owned Watercraft ............................................................................................................................................... 1
Property Damage Liability – Borrowed Equipment .................................................................................................... 1
Tenant’s Property and Premises Rented To You ...................................................................................................... 8
Voluntary Property Damage ....................................................................................................................................... 2
Insured Copy
COMMERCIAL GENERAL LIABILITY
CGL 088 (01 15)
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
FIRST CHOICE CONTRACTORS LIABILITY ENDORSEMENT
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
NOTE: The following are additions, replacements and amendments to the Commercial General Liability Coverage
Form, and will apply unless excluded by separate endorsement(s) to the Commercial General Liability Coverage Form.
The COMMERCIAL GENERAL LIABILITY COVERAGE FORM is amended as follows:
SECTION I - COVERAGES, COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE is amended as follows:
1. Extended “Property Damage”
Exclusion 2.a., Expected or Intended Injury, is replaced with the following:
a. “Bodily injury” or “property damage” expected or intended from the standpoint of the insured. This
exclusion does not apply to “bodily injury” or “property damage” resulting from the use of reasonable
force to protect persons or property.
2. Non-owned Watercraft
Exclusion 2.g. (2) (a) is replaced with the following:
(a) Less than 51 feet long; and
3. Property Damage Liability – Borrowed Equipment
The following is added to Exclusion 2.j. (4):
Paragraph (4) of this exclusion does not apply to “property damage” to borrowed equipment while at a
jobsite and not being used to perform operations. The most we will pay for “property damage” to any one
borrowed equipment item under this coverage is $25,000 per “occurrence”. The insurance afforded under
this provision is excess over any other valid and collectible property insurance (including deductible)
available to the insured, whether primary, excess, contingent or on any other basis.
4. Limited Electronic Data Liability
Exclusion 2.p. is replaced with the following:
p. Electronic Data
Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or
inability to manipulate “electronic data” that does not result from physical injury to tangible property.
The most we will pay under Coverage A for “property damage” because of all loss of “electronic data”
arising out of any one “occurrence” is $10,000.
We have no duty to investigate or defend claims or “suits” covered by this Limited Electronic Data Liability
coverage.
The following definition is added to SECTION V – DEFINITIONS of the Coverage Form:
"Electronic data" means information, facts or programs stored as or on, created or used on, or transmitted
to or from computer software (including systems and applications software), hard or floppy disks, CD-
ROMS, tapes, drives, cells, data processing devices or any other media which are used with electronically
controlled equipment.
CGL 088 (01 15) Includes copyrighted material of the Insurance Services Office, Inc., with its permission. Page 1 of 14
Copyright 2015 FCCI Insurance Group
Insured Copy
COMMERCIAL GENERAL LIABILITY
CGL 088 (01 15)
For purposes of this Limited Electronic Data Liability coverage, the definition of “Property Damage” in
SECTION V – DEFINITIONS of the Coverage Form is replaced by the following:
17. “Property damage” means:
a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss
of use shall be deemed to occur at the time of the physical injury that caused it;
b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed
to occur at the time of the “occurrence” that caused it;
c. Loss of, loss of use of, damage to, corruption of, inability to access, or inability to properly
manipulate “electronic data”, resulting from physical injury to tangible property. All such loss of
“electronic data” shall be deemed to occur at the time of the “occurrence” that caused it.
For purposes of this insurance, “electronic data” is not tangible property.
SECTION I – COVERAGES, COVERAGE B. PERSONAL AND ADVERTISING INJURY LIABILITY is amended
as follows:
Paragraph 2.e. Exclusions – the Contractual Liability Exclusion is deleted.
SECTION I – COVERAGES, the following coverages are added:
COVERAGE D. VOLUNTARY PROPERTY DAMAGE
1. Insuring Agreement
We will pay, at your request, for “property damage” caused by an “occurrence”, to property of others
caused by you, or while in your possession, arising out of your business operations. The amount we will
pay for damages is described in SECTION III LIMITS OF INSURANCE.
2. Exclusions
This insurance does not apply to:
"Property Damage" to:
a. Property at premises owned, rented, leased or occupied by you;
b. Property while in transit;
c. Property owned by, rented to, leased to, loaned to, borrowed by, or used by you;
d. Premises you sell, give away, or abandon, if the “property damage” arises out of any part of those
premises;
e. Property caused by or arising out of the “products-completed operations hazard”;
f. Motor vehicles;
g. “Your product” arising out of it or any part of it; or
h. “Your work” arising out of it or any part of it.
3. Deductible
We will not pay for loss in any one “occurrence” until the amount of loss exceeds $250. We will then pay
the amount of loss in excess of $250 up to the applicable limit of insurance.
4. Cost Factor
In the event of a covered loss, you shall, if requested by us, replace the damaged property or furnish the
labor and materials necessary for repairs thereto at your actual cost, excluding profit or overhead
charges.
CGL 088 (01 15) Includes copyrighted material of the Insurance Services Office, Inc., with its permission. Page 2 of 14
Copyright 2015 FCCI Insurance Group
Insured Copy
COMMERCIAL GENERAL LIABILITY
CGL 088 (01 15)
The insurance afforded under COVERAGE D is excess over any other valid and collectible property or inland
marine insurance (including the deductible applicable to the property or inland marine coverage) available to
you whether primary, excess, contingent or any other basis.
Coverage D covers unintentional damage or destruction, but does not cover disappearance, theft, or loss of
use.
The insurance under COVERAGE D does not apply if a loss is paid under COVERAGE E.
COVERAGE E. CARE, CUSTODY OR CONTROL
1. Insuring Agreement
We will pay those sums that the insured becomes legally obligated to pay as damages because of
“property damage” caused by an “occurrence”, to property of others while in your care, custody, or control
or property of others as to which you are exercising physical control if the “property damage” arises out of
your business operations. The amount we will pay for damages is described in SECTION III LIMITS OF
INSURANCE.
2. Exclusions
This insurance does not apply to:
"Property Damage” to:
a. Property at premises owned, rented, leased or occupied by you;
b. Property while in transit;
c. Premises you sell, give away, or abandon, if the “property damage” arises out of any part of those
premises;
d. Property caused by or arising out of the “products-completed operations hazard”;
e. Motor vehicles;
f. “Your product” arising out of it or any part of it; or
g. “Your work” arising out of it or any part of it.
3. Deductible
We will not pay for loss in any one “occurrence” until the amount of loss exceeds $250. We will then pay
the amount of loss in excess of $250 up to the applicable limit of insurance.
4. Cost Factor
In the event of a covered loss, you shall, if requested by us, replace the damaged property or furnish the
labor and materials necessary for repairs thereto at your actual cost, excluding profit or overhead
charges.
The insurance afforded under COVERAGE E is excess over any other valid and collectible property or inland
marine insurance (including the deductible applicable to the property or inland marine coverage) available to
you whether primary, excess, contingent or any other basis.
The insurance under COVERAGE E does not apply if a loss is paid under COVERAGE D.
COVERAGE F. LIMITED PRODUCT WITHDRAWAL EXPENSE
1. Insuring Agreement
a. If you are a “seller”, we will reimburse you for "product withdrawal expenses" associated with “your
product” incurred because of a "product withdrawal" to which this insurance applies.
The amount of such reimbursement is limited as described in SECTION III - LIMITS OF
INSURANCE. No other obligation or liability to pay sums or perform acts or services is covered.
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Copyright 2015 FCCI Insurance Group
Insured Copy
COMMERCIAL GENERAL LIABILITY
CGL 088 (01 15)
a. This insurance applies to a "product withdrawal" only if the "product withdrawal" is initiated in the
"coverage territory" during the policy period because:
(1) You determine that the "product withdrawal" is necessary; or
(2) An authorized government entity has ordered you to conduct a "product withdrawal".
c. We will reimburse only those "product withdrawal expenses" which are incurred and reported to us
within one year of the date the "product withdrawal" was initiated.
d. The initiation of a "product withdrawal" will be deemed to have been made only at the earliest of the
following times:
(1) When you have announced, in any manner, to the general public, your vendors or to your
employees (other than those employees directly involved in making the determination) your
decision to conduct a "product withdrawal" This applies regardless of whether the determination
to conduct a "product withdrawal" is made by you or is requested by a third party;
(2) When you received, either orally or in writing, notification of an order from an authorized
government entity to conduct a "product withdrawal; or
(3) When a third party has initiated a "product withdrawal" and you communicate agreement with the
"product withdrawal", or you announce to the general public, your vendors or to your employees
(other than those employees directly involved in making the determination) your decision to
participate in the "product withdrawal", whichever comes first.
e. "Product withdrawal expenses" incurred to withdraw "your products" which contain:
(1) The same "defect" will be deemed to have arisen out of the same "product withdrawal"; or
(2) A different "defect" will be deemed to have arisen out of a separate "product withdrawal" if newly
determined or ordered in accordance with paragraph 1.b of this coverage.
2. Exclusions
This insurance does not apply to "product withdrawal" expenses" arising out of:
a. Any "product withdrawal" initiated due to:
(1) The failure of "your products" to accomplish their intended purpose, including any breach of
warranty of fitness, whether written or implied. This exclusion does not apply if such failure has
caused or is reasonably expected to cause "bodily injury" or physical damage to tangible
property.
(2) Copyright, patent, trade secret or trademark infringements;
(3) Transformation of a chemical nature, deterioration or decomposition of "your product", except if it
is caused by:
(a) An error in manufacturing, design, processing or transportation of "your product"; or
(b) "Product tampering".
(4) Expiration of the designated shelf life of "your product".
b. A "product withdrawal", initiated because of a "defect" in "your product" known to exist by the Named
Insured or the Named Insured's "executive officers", prior to the inception date of this Coverage Part
or prior to the time "your product" leaves your control or possession.
c. Recall of any specific products for which "bodily injury" or "property damage" is excluded under
Coverage A - Bodily Injury And Property Damage Liability by endorsement.
d. Recall of "your products" which have been banned from the market by an authorized government
entity prior to the policy period.
e. The defense of a claim or "suit" against you for "product withdrawal expenses".
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Copyright 2015 FCCI Insurance Group
Insured Copy
COMMERCIAL GENERAL LIABILITY
CGL 088 (01 15)
3. For the purposes of the insurance afforded under COVERAGE F, the following is added to 2. Duties In
The Event Of Occurrence, Offense, Claim Or Suit Condition under SECTION IV – COMMERCIAL
GENERAL LIABILITY CONDITIONS:
e. Duties In The Event Of A "Defect" Or A "Product Withdrawal"
(1) You must see to it that we are notified as soon as practicable of any actual, suspected or
threatened "defect" in "your products", or any governmental investigation, that may result in a
"product withdrawal". To the extent possible, notice should include:
(a) How, when and where the "defect" was discovered;
(b) The names and addresses of any injured persons and witnesses; and
(c) The nature, location and circumstances of any injury or damage arising out of use or
consumption of “your product".
(2) If a "product withdrawal" is initiated, you must:
(a) Immediately record the specifics of the "product withdrawal" and the date it was initiated;
(b) Send us written notice of the "product withdrawal" as soon as practicable; and
(c) Not release, consign, ship or distribute by any other method, any product, or like or similar
products, with an actual, suspected or threatened defect.
(3) You and any other involved insured must:
(a) Immediately send us copies of pertinent correspondence received in connection with the
"product withdrawal";
(b) Authorize us to obtain records and other information; and
(c) Cooperate with us in our investigation of the "product withdrawal".
4. For the purposes of this Coverage F, the following definitions are added to the Definitions Section:
a. “Defect" means a defect, deficiency or inadequacy that creates a dangerous condition.
b. "Product tampering" is an act of intentional alteration of "your product" which may cause or has
caused "bodily injury" or physical injury to tangible property.
When "product tampering" is known, suspected or threatened, a "product withdrawal" will not be
limited to those batches of "your product" which are known or suspected to have been tampered with.
c. "Product withdrawal" means the recall or withdrawal of "your products", or products which contain
"your products", from the market or from use, by any other person or organization, because of a
known or suspected "defect" in "your product", or a known or suspected "product tampering", which
has caused or is reasonably expected to cause "bodily injury" or physical injury to tangible property.
d. "Product withdrawal expenses" means those reasonable and necessary extra expenses, listed below
paid and directly related to a "product withdrawal":
(1) Costs of notification;
(2) Costs of stationery, envelopes, production of announcements and postage or facsimiles;
(3) Costs of overtime paid to your regular non-salaried employees and costs incurred by your
employees, including costs of transportation and accommodations;
(4) Costs of computer time;
(5) Costs of hiring independent contractors and other temporary employees;
(6) Costs of transportation, shipping or packaging;
(7) Costs of warehouse or storage space; or
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(8) Costs of proper disposal of "your products", or products that contain "your products", that cannot
be reused, not exceeding your purchase price or your cost to produce the products; but "product
withdrawal expenses" does not include costs of the replacement, repair or redesign of "your
product", or the costs of regaining your market share, goodwill, revenue or profit.
e. “Seller” means a person or organization that manufactures, sells or distributes goods or products.
“Seller” does not include a “contractor” as defined elsewhere in this endorsement.
The insurance under COVERAGE F does not apply if a loss is paid under COVERAGE G.
COVERAGE G. CONTRACTORS ERRORS AND OMISSIONS
1. Insuring Agreement
If you are a “contractor”, we will pay those sums that you become legally obligated to pay as damages
because of “property damage” to “your product”, “your work” or “impaired property”, due to faulty
workmanship, material or design, or products including consequential loss, to which this insurance
applies. The damages must have resulted from your negligent act, error or omission while acting in your
business capacity as a contractor or subcontractor or from a defect in material or a product sold or
installed by you while acting in this capacity. The amount we will pay for damages is described in
SECTION III LIMITS OF INSURANCE.
We have no duty to investigate or defend claims or “suits” covered by this Contractors Errors or
Omissions coverage.
This coverage applies only if the “property damage” occurs in the “coverage territory” during the policy
period.
This coverage does not apply to additional insureds, if any.
Supplementary Payments – Coverage A and B do not apply to Coverage G. Contractors Errors and
Omissions.
2. Exclusions
This insurance does not apply to:
a. “Bodily injury” or "personal and advertising injury".
b. Liability or penalties arising from a delay or failure to complete a contract or project, or to complete a
contract or project on time.
c. Liability because of an error or omission:
(1) In the preparation of estimates or job costs;
(2) Where cost estimates are exceeded;
(3) In the preparation of estimates of profit or return on capital;
(4) In advising or failure to advise on financing of the work or project; or
(5) In advising or failing to advise on any legal work, title checks, form of insurance or suretyship.
d. Any liability which arises out of any actual or alleged infringement of copyright or trademark or trade dress
or patent, unfair competition or piracy, or theft or wrongful taking of concepts or intellectual property.
e. Any liability for damages:
(1) From the intentional dishonest, fraudulent, malicious or criminal acts of the Named Insured, or by
any partner, member of a limited liability company, or executive officer, or at the direction of any
of them; or
(2) Which is in fact expected or intended by the insured, even if the injury or damage is of a different
degree or type than actually expected or intended.
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f. Any liability arising out of manufacturer’s warranties or guarantees whether express or implied.
g. Any liability arising from “property damage” to property owned by, rented or leased to the insured.
h. Any liability incurred or “property damage” which occurs, in whole or in part, before you have
completed “your work.” “Your work” will be deemed completed at the earliest of the following times:
(1) When all of the work called for in your contract or work order has been completed;
(2) When all the work to be done at the job site has been completed if your contract calls for work at
more than one job site; or
(3) When that part of the work done at a job site has been put to its intended use by any person or
organization other than another contractor or subcontractor working on the same project.
Work that may need service or maintenance, correction, repair or replacement, but which is otherwise
complete, will be treated as complete.
i. Any liability arising from “property damage” to products that are still in your physical possession.
j. Any liability arising out of the rendering of or failure to render any professional services by you or on
your behalf, but only with respect to either or both of the following operations:
(1) Providing engineering, architectural or surveying services to others; and
(2) Providing or hiring independent professionals to provide engineering, architectural or surveying
services in connection with construction work you perform.
Professional services include the preparing, approving or failing to prepare or approve, maps, shop
drawings, opinions, reports, surveys, field orders, change orders, or drawings and specifications.
Professional services also include supervisory or inspection activities performed as part of any related
architectural or engineering activities.
But, professional services do not include services within construction means, methods, techniques,
sequences and procedures employed by you in connection with construction work you perform.
k. Your loss of profit or expected profit and any liability arising therefrom.
l. “Property damage” to property other than “your product,” “your work” or “impaired property.”
m. Any liability arising from claims or “suits” where the right of action against the insured has been
relinquished or waived.
n. Any liability for ”property damage” to “your work” if the damaged work or the work out of which the
damage arises was performed on your behalf by a subcontractor.
o. Any liability arising from the substitution of a material or product for one specified on blueprints, work
orders, contracts or engineering specifications unless there has been written authorization, or unless
the blueprints, work orders, contracts or engineering specifications were written by you, and you have
authorized the changes.
p. Liability of others assumed by the insured under any contract or agreement, whether oral or in writing.
This exclusion does not apply to liability for damages that the insured would have in the absence of
the contract or agreement.
3. For the purposes of Coverage G, the following definition is added to the Definitions section:
a. “Contractor” means a person or organization engaged in activities of building, clearing, filing,
excavating or improvement in the size, use or appearance of any structure or land. “Contractor” does
not include a “seller” as defined elsewhere in this endorsement.
4. Deductible
We will not pay for loss in any one “occurrence” until the amount of loss exceeds $250. The limits of
insurance will not be reduced by the application of the deductible amount.
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We may pay any part or all of the deductible amount to effect settlement of any claim or “suit”, and upon
notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as
has been paid by us.
5. Cost Factor
In the event of a covered loss, you shall, if requested by us, replace the damaged property or furnish the
labor and materials necessary for repairs thereto at your actual cost, excluding profit or overhead
charges.
The insurance under COVERAGE G does not apply if a loss is paid under COVERAGE F.
COVERAGE H. LOST KEY COVERAGE
1. Insuring Agreement
We will pay those sums, subject to the limits of liability described in SECTION III LIMITS OF INSURANCE
in this endorsement and the deductible shown below, that you become legally obligated to pay as
damages caused by an “occurrence” and due to the loss or mysterious disappearance of keys entrusted
to or in the care, custody or control of you or your “employees” or anyone acting on your behalf. The
damages covered by this endorsement are limited to the:
a. Actual cost of the keys;
b. Cost to adjust locks to accept new keys; or
c. Cost of new locks, if required, including the cost of installation.
2. Exclusions
This insurance does not apply to:
a. Keys owned by any insured, employees of any insured, or anyone acting on behalf of any insured;
b. Any resulting loss of use; or
c. Any of the following acts by any insured, employees of any insured, or anyone acting on behalf of any
insured:
1) Misappropriation;
2) Concealment;
3) Conversion;
4) Fraud; or
5) Dishonesty.
3. Deductible
We will not pay for loss in any one “occurrence” until the amount of loss exceeds $1,000. The limits of
insurance will not be reduced by the application of the deductible amount.
We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and, upon
notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as
has been paid by us.
EXPANDED COVERAGE FOR TENANT’S PROPERTY AND PREMISES RENTED TO YOU
The first paragraph after subparagraph (6) in Exclusion j., Damage to Property is amended to read as follows:
Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire)
to premises, including the contents of such premises, rented to you. A separate limit of insurance applies
to Damage To Premises Rented To You as described in Section III – Limits Of Insurance.
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SECTION I - COVERAGES, SUPPLEMENTARY PAYMENTS – COVERAGE A and B is amended as follows:
All references to SUPPLEMENTARY PAYMENTS – COVERAGES A and B are amended to SUPPLEMENTARY
PAYMENTS – COVERAGES A, B, D, E, G, and H.
1. Cost of Bail Bonds
Paragraph 1.b. is replaced with the following:
b. Up to $2,500 for cost of bail bonds required because of accidents or traffic law violations arising out of the use
of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds.
2. Loss of Earnings
Paragraph 1.d. is replaced with the following:
d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense
of the claim or “suit”, including actual loss of earnings up to $500 a day because of time off from work.
SECTION II – WHO IS AN INSURED is amended as follows:
1. Incidental Malpractice
Paragraph 2.a.(1)(d) is replaced with the following:
(d) Arising out of his or her providing or failing to provide professional health care services. However, this
exclusion does not apply to a nurse, emergency medical technician or paramedic employed by you to
provide medical services, unless:
(i) You are engaged in the occupation or business of providing or offering medical, surgical, dental, x-ray
or nursing services, treatment, advice or instruction; or
(ii) The “employee” has another insurance that would also cover claims arising under this provision,
whether the other insurance is primary, excess, contingent or on any other basis.
2. Broadened Who Is An Insured
The following are added to Paragraph 2.:
Subsidiaries
e. Your subsidiaries if:
(1) They are legally incorporated entities; and
(2) You own more than 50% of the voting stock in such subsidiaries as of the effective date of this policy.
If such subsidiaries are not shown in the Declarations, you must report them to us within 180 days of
the inception of your original policy.
Additional Insureds
f. Any person or organization described in paragraphs g. through k. below whom you are required to add as
an additional insured on this policy under a written contract or agreement in effect during the term of this
policy, provided the written contract or agreement was executed prior to the “bodily injury”, “property
damage” or “personal and advertising injury” for which the additional insured seeks coverage.
However, the insurance afforded to such additional insured(s):
(1) Only applies to the extent permitted by law;
(2) Will not be broader than that which you are required by the contract or agreement to provide for such
additional insured;
(3) Will not be broader than that which is afforded to you under this policy;
(4) Is subject to the conditions described in paragraphs g. through k. below; and
(5) Nothing herein shall extend the term of this policy.
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g. Owner, Lessor or Manager of Premises
If the additional insured is an owner, lessor or manager of premises, such person or organization shall be
covered only with respect to liability arising out of the ownership, maintenance or use of that part of any
premises leased to you and subject to the following additional exclusions:
(1) Any “occurrence” that takes place after you cease to occupy those premises; or
(2) Structural alterations, new construction or demolition operations performed by or on behalf of such
person or organization.
h. State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations
If the additional insured is the state or any political subdivision, the state or political subdivision shall be
covered only with respect to operations performed by you or on your behalf for which the state or political
subdivision has issued a permit or authorization. This insurance does not apply to:
(1) “Bodily injury“, “property damage”, or “personal and advertising injury” arising out of operations
performed for the federal government, state or municipality; or
(2) “Bodily injury” or “property damage” included within the “products-completed operations hazard”.
i. Lessor of Leased Equipment
If the additional insured is a lessor of leased equipment, such lessor shall be covered only with respect to
liability for “bodily injury”, “property damage” or “personal and advertising injury” caused, in whole or in
part, by your maintenance, operation or use of equipment leased to you by such person(s) or
organization(s). With respect to the insurance afforded to these additional insureds, this insurance does
not apply to any “occurrence” which takes place after the equipment lease expires.
j. Mortgagee, Assignee, or Receiver
If the additional Insured is a mortgagee, assignee, or receiver of premises, such mortgagee, assignee or
receiver of premises is an additional insured only with respect to their liability as mortgagee, assignee, or
receiver and arising out of the ownership, maintenance, or use of the premises by you. This insurance
does not apply to structural alterations, new construction and demolition operations performed by or for
that person or organization.
k. Vendor
If the additional insured is a vendor, such vendor is an additional insured only with respect to “bodily
injury” or “property damage” caused by “your products” which are distributed or sold in the regular course
of the vendor’s business, subject to the following additional exclusions:
(1) The insurance afforded to the vendor does not apply to:
(a) “Bodily injury” or “property damage” for which the vendor is obligated to pay damages by reason
of the assumption of liability in a contract or agreement. This exclusion does not apply to liability
for damages that the vendor would have in absence of the contract or agreement.
(b) Any express warranty unauthorized by you;
(c) Any physical or chemical change in “your product” made intentionally by the vendor;
(d) Repackaging, unless unpacked solely for the purpose of inspection, demonstration, testing, or the
substitution of parts under instructions from the manufacturer, and then repackaged in the original
container;
(e) Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed
to make or normally undertakes to make in the usual course of business, in connection with the
distribution or sale of the products;
(f) Demonstration, installation, servicing or repair operations, except such operations performed at
the vendor’s premises in connection with the sale of the product;
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(g) Products which, after distribution or sale by you, have been labeled or relabeled or used as a
container, part or ingredient of any other thing or substance by or for the vendor; or
(h) “Bodily injury” or “property damage” arising out of the sole negligence of the vendor for its own
acts or omissions or those of its own acts or omissions or those of its employees or anyone else
acting on its behalf. However, this exclusion does not apply to:
i. The exceptions contained in Subparagraphs d. or f.; or
ii. Such inspections, adjustments, tests or servicing as the vendor has agreed to make or
normally undertakes to make in the usual course of business, in connection with the
distribution or sale of the products.
(2) This insurance does not apply to any insured person or organization, from whom you have acquired such
products, or any ingredient, part or container, entering into, accompanying or containing such products.
3. Newly Formed or Acquired Organizations
Paragraph 3. is amended as follows:
a. Coverage under this provision is afforded until the end of the policy period.
d. Coverage A does not apply to product recall expense arising out of any withdrawal or recall that occurred
before you acquired or formed the organization.
SECTION III – LIMITS OF INSURANCE is amended as follows:
1. Paragraph 2. is replaced with the following:
2. The General Aggregate Limit is the most we will pay for the sum of:
a. Medical expenses under Coverage C;
b. Damages under Coverage A, except damages because of “bodily injury” or “property damage”
included in the “products-completed operations hazard”;
c. Damages under Coverage B;
d. Voluntary “property damage” payments under Coverage D;
e. Care, Custody or Control damages under Coverage E.; and
f. Lost Key Coverage under Coverage H.
2. Paragraph 5. is replaced with the following:
5. Subject to Paragraph 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will
pay for the sum of:
a. Damages under Coverage A;
b. Medical expenses under Coverage C;
c. Voluntary “property damage” payments under Coverage D;
d. Care, Custody or Control damages under Coverage E;
e. Limited Product Withdrawal Expense under Coverage F;
f. Contractors Errors and Omissions under Coverage G.; and,
g. Lost Key Coverage under Coverage H.
because of all “bodily injury” and “property damage” arising out of any one “occurrence”.
3. Paragraph 6. is replaced with the following:
6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay
under Coverage A for damages because of “property damage” to any one premises, while rented to you,
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or in the case of damage by fire or explosion, while rented to you or temporarily occupied by you with
permission of the owner.
The Damage to Premises Rented to You Limit is the higher of the Each Occurrence Limit shown in the
Declarations or the amount shown in the Declarations as Damage To Premises Rented To You Limit.
4. Paragraph 7. is replaced with the following:
7. Subject to Paragraph 5. above, the higher of $10,000 or the Medical Expense Limit shown in the
Declarations is the most we will pay under Coverage C for all medical expenses because of “bodily injury”
sustained by any one person.
5. Paragraph 8. is added as follows:
8. Subject to Paragraph 5. above, the most we will pay under Coverage D. Voluntary Property Damage for
loss arising out of any one “occurrence” is $1,500. The most we will pay in any one-policy period,
regardless of the number of claims made or suits brought, is $3,000.
6. Paragraph 9. is added as follows:
9. Subject to Paragraph 5. above, the most we will pay under Coverage E. Care, Custody or Control for
“property damage” arising out of any one “occurrence” is $1,000. The most we will pay in any one-policy
period, regardless of the number of claims made or suits brought, is $5,000.
7. Paragraph 10. is added as follows:
10. Subject to Paragraph 5. above, the most we will pay under Coverage F. Limited Product Withdrawal
Expense for “product withdrawal expenses” in any one-policy period, regardless of the number of
insureds, “product withdrawals” initiated or number of “your products” withdrawn is $10,000.
8. Paragraph 11. is added as follows:
11. Subject to Paragraph 5. above, the most we will pay under Coverage G. Contractors Errors and
Omissions for damage in any one-policy period, regardless of the number of insureds, claims or “suits”
brought, or persons or organizations making claim or bringing “suits” is $10,000.
For errors in contract or job specifications or in recommendations of products or materials to be used, this
policy will not pay for additional costs of products and materials to be used that would not have been
incurred had the correct recommendations or specifications been made.
9. Paragraph 12. is added as follows:
12. Subject to Paragraph 5. above, the most we will pay under Coverage H., Lost Key Coverage for damages
arising out of any one occurrence is $50,000.
10. Paragraph 13. is added as follows:
13. The General Aggregate Limit applies separately to:
a. Each of your projects away from premises owned by or rented to you; or
b. Each “location” owned by or rented to you.
“Location” as used in this paragraph means premises involving the same or connecting lots, or premises
whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad.
11. Paragraph 14. is added as follows:
14. With respect to the insurance afforded to any additional insured provided coverage under this
endorsement:
If coverage provided to the additional insured is required by a contract or agreement, the most we will pay
on behalf of the additional insured is the amount of insurance:
a. Required by the contract or agreement; or
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b. Available under the applicable Limits of Insurance shown in the Declarations;
whichever is less.
This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.
SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS is amended as follows:
1. Subparagraph 2.a. of Duties In The Event Of Occurrence, Offense, Claim, or Suit is replaced with the
following:
a. You must see to it that we are notified as soon as practicable of an “occurrence” or an offense which may
result in a claim. This requirement applies only when the “occurrence” or offense is known to the
following:
(1) An individual who is the sole owner;
(2) A partner, if you are a partnership or joint venture;
(3) An “executive officer” or insurance manager, if you are a corporation;
(4) A manager, if you are a limited liability company;
(5) A person or organization having proper temporary custody of your property if you die;
(6) The legal representative of you if you die; or
(7) A person (other than an “employee”) or an organization while acting as your real estate manager.
To the extent possible, notice should include:
(1) How, when and where the “occurrence” or offense took place;
(2) The names and addresses of any injured persons and witnesses; and
(3) The nature and location of any injury or damage arising out of the “occurrence” or offense.
2. The following is added to Subparagraph 2.b. of Duties In The Event Of Occurrence, Offense, Claim, or
Suit:
The requirement in 2.b.applies only when the “occurrence” or offense is known to the following:
(1) An individual who is the sole owner;
(2) A partner or insurance manager, if you are a partnership or joint venture;
(3) An “executive officer” or insurance manager, if you are a corporation;
(4) A manager or insurance manager, if you are a limited liability company;
(5) Your officials, trustees, board members or insurance manager, if you are a not-for-profit organization;
(6) A person or organization having proper temporary custody of your property if you die;
(7) The legal representative of you if you die; or
(8) A person (other than an “employee”) or an organization while acting as your real estate manager.
3. The following is added to paragraph 2. of Duties in the Event of Occurrence, Offense, Claim or Suit:
e. If you report an “occurrence” to your workers compensation carrier that develops into a liability claim for
which coverage is provided by the Coverage Form, failure to report such an “occurrence” to us at the time
of the “occurrence” shall not be deemed a violation of paragraphs a., b., and c. above. However, you
shall give written notice of this “occurrence” to us as soon as you become aware that this “occurrence”
may be a liability claim rather than a workers compensation claim.
4. Paragraph 6. is replaced with the following:
6. Representations
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By accepting this policy, you agree:
a. The statements in the Declarations are accurate and complete;
b. Those statements are based upon representations you made to us; and
c. We have issued this policy in reliance upon your representations.
Any error or omission in the description of, or failure to completely describe or disclose any premises,
operations or products intended to be covered by the Coverage Form will not invalidate or affect coverage
for those premises, operations or products, provided such error or omission or failure to completely
describe or disclose premises, operations or products was not intentional.
You must report such error or omission to us as soon as practicable after its discovery. However, this
provision does not affect our right to collect additional premium charges or exercise our right of
cancellation or nonrenewal.
5. The following is added to paragraph 8. Transfer Of Rights Of Recovery Against Others To Us:
However, we waive any right of recovery we may have because of payments we make for injury or
damage arising out of your ongoing operations or “your work” included in the “products-completed
operations hazard” under the following conditions:
a) Only when you have agreed in writing to waive such rights of recovery in a contract or agreement;
b) Only as to the person/entity as to whom you are required by the contract to waive rights of recovery;
and
c) Only if the contract or agreement is in effect during the term of this policy, and was executed by you
prior to the loss.
6. Paragraph 10. is added as follows:
10. Liberalization
If we revise this Coverage Form to provide more coverage without additional premium charge, your
policy will automatically provide the additional coverage as of the day the revision is effective in the
applicable state(s).
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POLICY NUMBER: CPP100071132 COMMERCIAL GENERAL LIABILITY
CGL 084 (10 13)
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS –
AUTOMATIC STATUS WHEN REQUIRED IN CONSTRUCTION
AGREEMENT WITH YOU – ONGOING OPERATIONS AND
PRODUCTS-COMPLETED OPERATIONS
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
SCHEDULE (OPTIONAL)
Name of Additional Insured Persons or Organizations
(As required by written contract or agreement per Paragraph A. below.)
Locations of Covered Operations
(As per the written contract or agreement, provided the location is within the “coverage territory”.)
BLANKET
(Information required to complete this Schedule, if not shown above, will be shown in the Declarations.)
A. Section II – Who Is An Insured is amended to include as an additional insured:
1. Any person or organization for whom you are performing operations when you and such person or
organization have agreed in writing in a contract or agreement in effect during the term of this policy that
such person or organization be added as an additional insured on your policy; and
2. Any other person or organization you are required to add as an additional insured under the contract or
agreement described in Paragraph 1. above; and
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3. The particular person or organization, if any, scheduled above.
Such person(s) or organization(s) is an additional insured only with respect to liability for "bodily injury",
"property damage" or "personal and advertising injury" occurring after the execution of the contract or
agreement described in Paragraph 1. above and caused, in whole or in part, by:
1. Your acts or omissions; or
2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for
the additional insured; or
3. “Your work” performed for the additional insured and included in the “products-completed operations
hazard” if such coverage is specifically required in the written contract or agreement.
However, the insurance afforded to such additional insured(s) described above:
1. Only applies to the extent permitted by law;
2. Will not be broader than that which you are required by the contract or agreement to provide for such
additional insured;
3. Will not be broader than that which is afforded to you under this policy; and
4. Nothing herein shall extend the term of this policy.
B. The insurance provided to the additional insured does not apply to "bodily injury", "property damage" or
"personal and advertising injury" arising out of the rendering of, or the failure to render, any professional
architectural, engineering or surveying services, including:
1. The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports,
surveys, field orders, change orders or drawings and specifications; or
2. Supervisory, inspection, architectural or engineering activities.
C. This insurance is excess over any other valid and collectible insurance available to the additional insured
whether on a primary, excess, contingent or any other basis; unless the written contract or agreement
requires that this insurance be primary and non-contributory, in which case this insurance will be primary and
non-contributory relative to insurance on which the additional insured is a Named Insured.
D. With respect to the insurance afforded to these additional insureds, the following is added to Section III –
Limits of Insurance:
The most we will pay on behalf of the additional insured is the amount of insurance:
1. Required by the contract or agreement described in Paragraph A.1.; or
2. Available under the applicable Limits of Insurance shown in the Declarations;
whichever is less.
This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.
E. Section IV – Commercial General Liability Conditions is amended as follows:
The Duties In The Event of Occurrence, Offense, Claim or Suit condition is amended to add the following
additional conditions applicable to the additional insured:
An additional insured under this endorsement must as soon as practicable:
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1. Give us written notice of an “occurrence” or an offense which may result in a claim or “suit” under this
insurance, and of any claim or “suit” that does result;
2. Send us copies of all legal papers received in connection with the claim or “suit”, cooperate with us in the
investigation or settlement of the claim or defense against the “suit”, and otherwise comply with all policy
conditions; and
3. Tender the defense and indemnity of any claim or “suit” to any provider of other insurance which would
cover the additional insured for a loss we cover under this endorsement and agree to make available all
such other insurance. However, this condition does not affect Paragraph C. above.
We have no duty to defend or indemnify an additional insured under this endorsement until we receive from
the additional insured written notice of a claim or “suit”.
F. This endorsement does not apply to any additional insured or project that is specifically identified in any other
additional insured endorsement attached to the Commercial General Liability Coverage Form.
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COMMERCIAL AUTO
CAU 058 (05 19)
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
AUTO FIRST CHOICE COVERAGE ENDORSEMENT
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
NOTE: The following are additions, replacements and amendments to the Business Auto Coverage Form, and
will apply unless excluded by separate endorsement(s) to the Business Auto Coverage Form.
With respect to coverages provided by this endorsement, the provisions of the Business Auto Coverage Form
apply unless modified by this endorsement.
The Business Auto Coverage Form is amended as follows:
SECTION II – COVERED AUTOS LIABILITY COVERAGE is amended as follows:
A. Paragraph 1. Who Is An Insured in section A. Coverage is amended by the addition of the following:
d. Any legally incorporated subsidiary of yours in which you own more than 50% of the voting stock on the
effective date of this coverage form. However, “insured” does not include any subsidiary that is an
“insured” under any other liability policy or would be an “insured” under such a policy but for its
termination or the exhaustion of its limits of insurance. In order for such subsidiaries to be considered
insured under this policy, you must notify us of such subsidiaries within 60 days of policy effective date.
e. Any organization you newly acquire or form during the policy period, other than a partnership or joint
venture, and over which you maintain sole ownership or a majority interest. However, coverage under
this provision:
(1) Does not apply if the organization you acquire or form is an “insured” under another liability policy
or would be an “insured” under such a policy but for its termination or the exhaustion of its limits of
insurance;
(2) Does not apply to “bodily injury” or “property damage” that occurred before you acquired or formed
the organization; and
(3) Is afforded only for the first 90 days after you acquire or form the organization or until the end of the
policy period, whichever comes first.
f. Any person or organization who is required under a written contract or agreement between you and that
person or organization, that is signed and executed by you before the “bodily injury” or “property
damage” occurs and that is in effect during the policy period, to be named as an additional insured is
an “insured” for Liability Coverage, but only for damages to which this insurance applies and only to the
extent that person or organization qualifies as an “insured” under the Who Is An Insured provision
contained in Section II.
g. Any “employee” of yours using:
(1) a covered “auto” you do not own, hire or borrow, or a covered ”auto” not owned by an “employee”
or a member of his or her household, while performing duties related to the conduct of your
business or your personal affairs; or
(2) an “auto” hired or rented under a contract or agreement in that “employee’s” name, with your
permission, while performing duties related to the conduct of your business. However, your
“employee” does not qualify as an insured under this paragraph (2) while using a covered “auto”
rented from you or from any member of the “employee’s” household
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h. Your members, if you are a limited liability company, while using a covered “auto” you do not own, hire
or borrow, while performing duties related to the conduct of your business or your personal affairs.
B. Paragraphs (2) and (4) under section 2. Coverage Extensions, a. Supplementary Payments are deleted
and replaced by the following:
(2) Up to $3,000 for cost of bail bonds (including bonds for related traffic violations) required because of an
“accident” we cover. We do not have to furnish these bonds.
(4) All reasonable expenses incurred by the “insured” solely at our request, including actual loss of
earnings up to $500 a day because of time off from work.
C. Paragraph 5. under section B. Exclusions is deleted and replaced by the following:
5. Fellow Employee
“Bodily injury” to:
a. Any fellow “employee” of the “insured” arising out of and in the course of a fellow “employee’s”
employment or while performing duties related to the conduct of your business. However, this
exclusion does not apply to your “employees” that are officers or managers if the “bodily injury”
results from the use of a covered “auto” you own, hire or borrow. Coverage is excess over any other
collectible insurance; or
b. The spouse, child, parent, brother or sister of that fellow "employee" as a consequence of Paragraph
a. above.
SECTION III – PHYSICAL DAMAGE COVERAGE is amended as follows:
A. Paragraph 4. Coverage Extensions under section A. Coverage is deleted and replaced by the following:
4. Coverage Extensions
a. Transportation Expenses
We will pay up to $50 per day to a total maximum of $1,500 for temporary transportation expense incurred
by you due to covered loss to any covered auto. We will pay only for those covered “autos” for which you
carry either Comprehensive or Specified Causes Of Loss Coverage. We will pay for temporary
transportation expenses incurred during the period beginning 24 hours after a loss and ending, regardless
of the policy’s expiration, when the covered “auto” is returned to use or we pay for its “loss”.
b. Loss of Use Expenses
For Hired Auto Physical Damage, we will pay expenses for which an "insured" becomes legally
responsible to pay for loss of use of a vehicle rented or hired without a driver under a written rental
contract or agreement. We will pay for loss of use expenses if caused by:
(1) Other than collision only if the Declarations indicate that Comprehensive Coverage is provided for
hired "autos";
(2) Specified Causes of Loss only if the Declarations indicate that Specified Causes of Loss Coverage
is provided for hired "autos"; or
(3) Collision only if the Declarations indicate that Collision Coverage is provided for hired "autos".
However, the most we will pay for any expenses for loss of use to any one vehicle is $75 per day, to a
total maximum of $1,500.
B. The following is added to paragraph 4. Coverage Extensions under section A. Coverage:
c. Fire Department Service Charge
When a fire department is called to save or protect a covered “auto”, its equipment, its contents, or
occupants from a covered cause of loss, we will pay up to $1,000 for your liability for fire department
service charges assumed by contractor or agreement prior to loss.
No deductible applies to this additional coverage.
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d. Auto Loan/Lease Gap Coverage
The following provisions apply:
(1) If a long term leased “auto”, under an original lease agreement, is a covered “auto” under this
coverage form and the lessor of the covered “auto” is named as an additional insured under this
policy, in the event of a total loss to the leased covered “auto”, we will pay any unpaid amount
due on the lease, less the amount paid under the Physical Damage Coverage Section of the
policy; and less any:
(a) Overdue lease or loan payments including penalties, interest, or other charges resulting from
overdue payments at the time of the “loss”;
(b) Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high
mileage;
(c) Security deposits not refunded by the lessor;
(d) Costs for extended warranties, Credit Life Insurance, Health Accident or Disability Insurance
purchased with the loan or lease; and
(e) Carry-over balances from previous loans or leases.
(2) If an owned “auto” is a covered “auto” under this coverage form and the loss payee of the
covered “auto” is named a loss payee under this policy, in the event of a total loss to the covered
“auto”, we will pay any unpaid amount due on the loan, less the amount paid under the Physical
Damage Coverage Section of the policy; and less any;
(a) Overdue loan payments at the time of the “loss”;
(b) Costs for extended warranties, Credit Life Insurance, Health Accident or Disability Insurance
purchased with the loan; and
(c) Carry-over balances from previous loans.
C. Paragraph 3. under section B. Exclusions is deleted and replaced by the following:
3. We will not pay for “loss” due and confined to:
a. Wear and tear, freezing, mechanical or electrical breakdown
b. Blowouts, punctures or other road damage to tires
This exclusion does not apply to such "loss" resulting from the total theft of a covered "auto".
However, this exclusion does not include the discharge of an airbag in a covered “auto” you own that
inflates due to a cause other than a cause of “loss” set forth in Paragraphs A.1.b and A.1.c.but only:
a. If that “auto” is a covered “auto” for Comprehensive Coverage under this policy;
b. The airbags are not covered under any warranty; and
c. The airbags were not intentionally inflated
We will pay up to a maximum of $1,000 for any one “loss”.
D. Section D. Deductible is deleted and replaced by the following:
D. Deductible
For each covered “auto”, our obligation to pay for, repair, return or replace damaged or stolen property
will be reduced by the applicable deductible shown in the Declarations subject to the following:
Any Comprehensive Coverage deductible shown in the Declarations does not apply to:
(1) “Loss” caused by fire or lightning; and
(2) "Loss" arising out of theft of your vehicle if your vehicle is equipped with an active GPS tracking system.
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(3) Glass damage if repaired rather than replaced.
SECTION IV – BUSINESS AUTO CONDITIONS is amended as follows:
A. The following is added to paragraph a. under section A. Loss Conditions, 2. Duties in the Event of
Accident, Claim, Suit or Loss:
This duty applies when the “accident”, claim, “suit” or “loss” is first known to:
(a) You, if you are an individual;
(b) A partner, if you are a partnership;
(c) An executive officer or insurance manager, if you are a corporation; or
(d) A member or manager, if you are a limited liability company.
B. Condition 5. Transfer of Rights of Recovery against Others to Us under section A. Loss Conditions is
deleted and replaced by the following:
5. Transfer of Rights of Recovery against Others to Us
If a person or organization to or for whom we make payment under this coverage form has rights to
recover damages from another, those rights are transferred to us. That person or organization must do
everything necessary to secure our rights and must do nothing after “accident” or “loss” to impair them.
However, if the insured has waived rights to recover through a written contract, or if your work was
commenced under a letter of intent or work order, subject to a subsequent reduction in writing of such a
waiver with customers whose customary contracts require a waiver, we waive any right of recovery we
may have under this coverage form.
C. The following is added to Condition 2. Concealment, Misrepresentation or Fraud under section B. General
Conditions:
However, if you unintentionally fail to disclose any hazards at the inception of your policy, we will not deny
coverage under this coverage form because of such failure. This provision does not affect our right to
collect additional premium or exercise our right of cancellation or non-renewal.
D. Paragraph b. of Condition 5. Other Insurance under section B. General Conditions is deleted and replaced
by the following:
b. For Hired Auto Physical Damage Coverage, the following are deemed to be covered “autos” you own;
(1) Any covered “auto” you lease, hire, rent or borrow; and
(2) Any covered “auto” hired or rented by your “employee” under a contract in that individual
“employee’s” name, with your permission, while performing duties related to the conduct of your
business. However, any “auto” that is leased, hired, rented or borrowed with a driver is not a
covered “auto”, nor is any “auto” you hire from any of your “employees”, partners (if you are a
partnership), members (if you are a limited liability company), or members of their households.
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COMMERCIAL AUTOMOBILE
CAU 082 (01 15)
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
AUTOMATIC INSURED – BUSINESS AUTO POLICY
PRIMARY/NON-CONTRIBUTING WHEN REQUIRED BY CONTRACT
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
This endorsement is subject to the terms, conditions, exclusions and any other provisions of the BUSINESS
AUTO COVERAGE FORM or any endorsement attached thereto unless changes or additions are indicated
below.
For the purpose of this endorsement, Section II.A.1. Who Is An Insured is amended by adding the following:
1. Any person or organization when you and such person have agreed in writing in a contract signed and
executed by you prior to the loss for which coverage is sought, that such person or organization be added
as an "insured" on your auto policy. Such person or organization shall be an "insured" to the extent your
negligent actions or omissions impose liability on such "insured" without fault on its part.
2. This insurance is primary and non-contributory to other liability coverages of the person or organization
being added to this policy as an "insured" when so required in a written contract or agreement that is
executed prior to the loss for which coverage is sought.
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