Client#: 1680025 79REDMOMAC
DATE (MM/DD/YYYY)
ACORD TM CERTIFICATE OF LIABILITY INSURANCE 6/04/2026
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 any rights to the certificate holder in lieu of such endorsement(s).
CONTACT
PRODUCER NAME: Shelli Cochran
McGriff, a MMA LLC Company PHONE FAX
(A/C, No, Ext): 770 471-7100 (A/C, No): 7704776908
741 W. Lanier Ave., Suite 100 E-MAIL
ADDRESS: mcg.certificateofinsurance@marshmma.com
Fayetteville, GA 30214-GA INSURER(S) AFFORDING COVERAGE NAIC #
770 471-7100 INSURER A : Frankenmuth Insurance Company 13986
INSURED INSURER B : Accident Fund Ins Co of America 10166
William J Redmond & Son Inc
INSURER C :
Po Box 636
INSURER D :
Moreland, GA 30259-0635
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 INSR WVD POLICY NUMBER (MM/DD/YYYY) (MM/DD/YYYY) LIMITS
A X COMMERCIAL GENERAL LIABILITY 6733080 11/03/2025 11/03/2026 EACH OCCURRENCE $ 1,000,000
DAMAGE TO RENTED
CLAIMS-MADE X OCCUR 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
PRO-
POLICY JECT LOC PRODUCTS - COMP/OP AGG $ 2,000,000
OTHER: $
A AUTOMOBILE LIABILITY 6733079 11/03/2025 11/03/2026 COMBINED SINGLE LIMIT
(Ea accident) $ 1,000,000
X ANY AUTO BODILY INJURY (Per person) $
OWNED SCHEDULED BODILY INJURY (Per accident) $
AUTOS ONLY AUTOS
HIRED NON-OWNED PROPERTY DAMAGE
X AUTOS ONLY X AUTOS ONLY (Per accident) $
X Drive Oth Car $
A X UMBRELLA LIAB X OCCUR 6733080 11/03/2025 11/03/2026 EACH OCCURRENCE $ 2,000,000
EXCESS LIAB CLAIMS-MADE AGGREGATE $ 2,000,000
DED X RETENTION $10000 $
WORKERS COMPENSATION PER OTH-
B AND EMPLOYERS' LIABILITY
AFWCP100050154 09/08/2025 09/08/2026 X STATUTE ER
Y/N
ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT $ 1,000,000
OFFICER/MEMBER EXCLUDED? Y N/A
(Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ 1,000,000
If yes, describe under
DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ 1,000,000
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
**See Attached Endorsements**
19217 08/19 Diamond Liability Premier
18202 11/18 Additional Insured - Owners, Lessees Or Contractors (including Products-Completed Operations)
19364 03/25 Diamond Auto Premier Endorsement Coverage Schedule
19348 03/25 Diamond Auto Premier Endorsement
CERTIFICATE HOLDER CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
DeKalb County School District THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
1701 Mountain Industrial Boulevard ACCORDANCE WITH THE POLICY PROVISIONS.
Stone Mountain, GA 30083
AUTHORIZED REPRESENTATIVE
© 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25 (2016/03) 1 of 1 The ACORD name and logo are registered marks of ACORD
#S39985024/M38563586 MARR
This page has been left blank intentionally.
William J Redmond & Son Inc
6733080
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DIAMOND LIABILITY PREMIER
This is a summary of coverage with page references of the various additional coverages and coverage extensions
provided by this endorsement. However, this summary does not provide any actual coverage. Please refer to the
endorsement provisions for changes to your policy.
SECTION 1 – ADDITIONAL INSURED COVERAGES
Broad Form Vendors Page 3
Controlling Interest Page 4
Co-owners Of Insured Premises Page 4
Grantor Of Franchise Page 4
Grantor Of Licenses Page 4
Owners Or Other Interests From Whom Land Has Been Leased Page 4
Lessor Of Leased Equipment Page 4
Manager Of Lessors Of Premises Page 4
Mortgagee, Assignee Or Receiver Page 4
State Or Governmental Agency Or Subdivision Or Political Subdivision Page 5
Architect, Engineer Or Surveyor Engaged By You Page 5
Architect, Engineer Or Surveyor Not Engaged By You Page 5
Concessionaires Page 5
Primary and Noncontributory Insurance Page 5
Waiver Of Transfer Of Rights Of Recovery Against Others To Us Page 5
SECTION 2 – COVERAGE EXTENSIONS
Bodily Injury – Expanded Definition Page 6
Personal and Advertising Injury – Broadened Page 6
Amendment -- Aggregate Limits Of Insurance Page 6
Borrowed Equipment Page 6
Duties in the Event of Occurrence, Claim or Suit Page 6
Unintentional Failure To Disclose Hazards Page 7
Damage To Premises Rented To You - Expanded Coverage Page 7
Health Care Services Page 7
Medical Payments $10,000 Page 8
Mobile Equipment Page 8
Newly Formed Or Acquired Organization Page 8
Extended Non-Owned Watercraft up to 76 feet Page 8
Supplementary Payments (Bail Bonds $5,000 / Loss of Earning $1,000) Page 8
Liberalization Provision Page 8
19217 08 19 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 17
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DIAMOND LIABILITY PREMIER
SECTION 3 – ADDITIONAL COVERAGES
Voluntary Property Damage Expense Coverage Page 8
Schedule of Limits
Each Occurrence Limit $25,000 Annual Aggregate Limit $25,000
Limited Product Withdrawal Expense Coverage Page 9
Schedule of Limits
Annual Aggregate Limit $100,000 Deductible $2,500
Participation Percentage 20%
Employee Benefits Liability Coverage Page 13
Schedule of Limits
Each Employee Limit $1,000,000 Annual Aggregate Limit $3,000,000
Deductible $1,000
SECTION 4 – OPTIONAL COVERAGES
If shown as included in the Schedule of Coverages below, the following Optional Coverages are further modified
by the terms, exclusions, and conditions applicable to the Commercial General Liability Coverage.
o Hired and Non-owned Auto Liability Coverage Page 16
Schedule of Limits
Limit $1,000,000
19217 08 19 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of 17
William J Redmond & Son Inc
6733080
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DIAMOND LIABILITY PREMIER
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SECTION 1 - ADDITIONAL INSURED COVERAGES This coverage does not increase the applicable
Limits of Insurance shown in the Declarations.
This endorsement is subject to the provisions
F. The insurance coverage provided by this
applying to the Commercial General Liability
endorsement is limited to:
Coverage form, except as described below.
1. Broad Form Vendors
A. Section II – Who Is An Insured is amended to a. Any vendor, but only with respect to
include any person(s) or organization(s) when you "bodily injury" or "property damage"
and such person(s) or organization(s) have arising out of "your products" which are
agreed in a written contract or written agreement distributed or sold in the regular course of
that such person(s) or organization(s) be added the vendor's business, subject to the
as an additional insured on your policy provided following additional exclusions:
that the written contract or written agreement is: i. "Bodily injury" or "property damage"
1. Executed in writing before the beginning of for which the vendor is obligated to
the policy period or during the policy period pay damages by reason of the
and assumption of liability in a contract or
agreement. This exclusion does not
2. Prior to an “occurrence” or offense which this
apply to liability for damages that the
insurance applies.
vendor would have in the absence of
B. The insurance provided to such additional insured the contract or agreement;
only applies to the extent permitted by law and
ii. Any express warranty unauthorized by
the insurance afforded to such additional insured
you;
will not be broader than that which you are
required by the written contract or written iii. Any physical or chemical change in
agreement to provide for such additional insured. the product made intentionally by the
vendor;
C. This insurance only applies if the person or
organization is not specifically named as an iv. Repackaging, unless unpacked solely
additional insured under any other provision or for the purpose of inspection,
endorsement of this policy. demonstration, testing, or the
substitution of parts under instruction
D. Any insurance provided to any additional insured
from the manufacturer, and then
does not apply to “bodily injury”, “property
repackaged in the original container;
damage”, or “personal and advertising injury”
arising out of their sole negligence or willful v. Any failure to make such inspection,
misconduct or that of their agents, “employees”, adjustments, tests or servicing as the
or any other representative of the additional vendor has agreed to make or
insured. normally undertakes to make in the
usual course of business in
E. With respect to the insurance provided to these
connection with the sale of the
additional insureds, the following is added to
product;
Section III – Limits of Insurance:
vi. Demonstration, installation, servicing
The most we will pay on behalf of the additional
or repair operations, except such
insured is
operations performed as part of the
1. The amount of insurance required by the initial set up at the vendor's premises
contract or agreement; or in connection with the sale of the
2. Available under the applicable Limit of product;
Insurance shown in the Declarations;
whichever is less.
19217 08 19 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 3 of 17
vii. Products which, after distribution or 6. Owners Or Other Interests From Whom
sale by you, have been labeled or Land Has Been Leased but only with respect
relabeled or used as a container, part to liability arising out of the ownership,
or ingredient in anything or substance maintenance or use of that part of the land
by or for the vendor. leased to you.
viii. "Bodily injury" or "property damage" However, this insurance does not apply to:
arising out of the sole negligence of a. any “occurrence” which takes place after
the vendor for its own acts or you cease to lease that land.
omissions or those of its employees or
anyone else acting on its behalf. b. any structural alterations, new
However, this exclusion does not construction or demolition operations
apply to the exceptions contained in performed for, by or on behalf of the
subparagraphs iv or vi; or such additional insured.
inspections, adjustments, test or 7. Any Lessor Of Leased Equipment is any
servicing as the vendor has agreed to person(s) or organization(s) from whom you
make or normally undertakes to make lease equipment. Such person(s) or
in the usual course of business, in organization(s) is an insured only with respect
connection with the distribution or sale to liability for "bodily injury", "property
of the products. damage" or "personal and advertising injury"
ix. This insurance does not apply to any caused, in whole or in part, by your
insured person or organization, from maintenance, operation or use of equipment
whom you have acquired such leased to you by such person(s) or
products, or any ingredient, part or organization(s).
container, entering into, A person's or organization's status as an
accompanying or containing such additional insured under this endorsement
products. ends when their contract or agreement with
2. Any individuals or entities that have you for such leased equipment ends. With
Controlling Interest in your business, but respect to the insurance afforded to these
only with respect to their liability arising out of: additional insureds, this insurance does not
apply to any "occurrence" which takes place
a. Their financial control of you; or after the equipment lease expires.
b. Premises they own, maintain or control 8. Manager Or Lessors Of Premises, but only
while you lease or occupy these with respect to liability arising out of the
premises. This insurance does not apply ownership, maintenance or use of that part of
to structural alterations, new construction the premises leased to you.
and demolition operations by or for that
person or organization. This insurance does not apply to:
3. Any Co-owners Of Insured Premises but a. any "occurrence" which takes place after
only with respect to their liability as co-owner you cease to be a tenant in that premises,
of the premises insured by this policy. or
4. Any Grantor Of Franchise but only with b. for structural alterations, new construction
respect to their liability as grantor of franchise or demolition operations performed by or
to you. on behalf of the person(s) or
organization(s).
5. Any Grantor Of Licenses but only with
respect to their liability as grantor of licenses 9. Mortgagee, Assignee Or Receiver but only
to you. Their status as additional insured with respect to their liability as mortgagee,
ends when: assignee, or receiver and arising out of the
ownership, maintenance or use of the
a. The license granted to you by such premises by you.
person(s) or organization(s) expires; or
This insurance does not apply to structural
b. Your license is terminated or revoked by alterations, new construction and demolition
such person(s) or organization(s) prior to operations performed by or for the additional
the expiration of the license as stipulated insured.
by the contract or agreement.
19217 08 19 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 4 of 17
10. State Or Governmental Agency Or With respect to the insurance afforded to these
Subdivision Or Political Subdivision additional insureds, the following exclusion
however this insurance applies only with applies:
respect to operations performed by you or on i. This insurance does not apply to “bodily
your behalf for which the state or governmental injury”, “property damage” or “personal and
agency or subdivision has issued a permit or advertising injury” arising out of the
authorization. This insurance does not apply rendering of or the failure to render any
to “bodily injury”, “property damage”, or professional services, including:
“personal and advertising” arising out of
operations performed for the federal (1) The preparing, approving, or failing
government, state or municipality; or “bodily to prepare or approve, maps,
injury” or “property damage” included within drawings, opinions, reports,
the product-completed operations hazard”. surveys, change orders, designs or
specifications; or
11. Architect, Engineer Or Surveyor Engaged
By You but only with respect to liability for (2) Supervisory, inspection or
“bodily injury”, “property damage” or “personal engineering services.
and advertising injury” caused by, in whole or This exclusion applies even if the claims
in part, by your acts or omissions or the acts or against any insured allege negligence or
omissions of those acting on your behalf in other wrongdoing in the supervision,
connection with your premises or in the hiring, employment, training or monitoring
performance of your ongoing operations. of others by that insured, if the
This insurance does not apply to “bodily "occurrence" which caused the "bodily
injury”, “property damage” arising out of the injury" or "property damage", or the
rendering or the failure to render any offense which caused the "personal and
professional services by or for you; including: advertising injury", involved the rendering
of or the failure to render any professional
a. The preparing, approving, or failing to services.
prepare or approve, maps, shop drawings,
opinions, reports, surveys, field orders, 13. Concessionaires trading under your name,
change orders or drawings and but only with respect to their liability as a
specifications; or concessionaire trading under your name.
b. Supervisory, inspection, architectural or G. Primary and Noncontributory Insurance
engineering activities. The following is added to the Other Insurance
This exclusion applies even if the claims Condition and supersedes any provision to the
against the insured allege negligence or other contrary:
wrongdoing in the supervision, hiring, This insurance is primary to and will not seek
employment training, or monitoring of others contribution from any other insurance available to
by this additional insured, if the “occurrence” an additional insured under your policy provided
which caused the “bodily injury” or “property that:
damage’ involved the rendering or the failure
1. the additional insured is a Named Insured
to render any professional services by or for
under such other insurance, and you have
you.
agreed in writing in a contract or agreement
12. Architect, Engineer Or Surveyor Not that this insurance would be primary; and
Engaged By You but only with respect to
2. would not seek contribution from any other
liability for “bodily injury”, “property damage” or
insurance available to the additional insured.
“personal and advertising injury” caused by, in
whole or in part, by H. Waiver Of Transfer Of Rights Of Recovery
Against Others To Us
a. your acts or omissions; or
The following is added to Paragraph 8. Transfer
b. the acts or omissions of those acting on
of Rights of Recovery Against Others To Us of
your behalf in the performance of your
Section IV – Conditions:
ongoing operations performed by you or
on your behalf. Such architects, We waive any right of recovery we may have
engineers or surveyors, while not engaged against any person or organization because of
by you, are contractually required to be payments we make for injury or damage arising
added as an additional insured to your out of your ongoing operations or “your work”
policy. included in the “products-completed operations
hazard” when you have assumed liability for such
injury or damage under an “insured contract”.
19217 08 19 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 5 of 17
SECTION 2 - COVERAGE EXTENSIONS 3. Paragraphs 1. and 2. above do not apply if
Coverage B. Personal and Advertising
This endorsement is subject to the provisions Injury Liability is excluded either by the
applying to the Commercial General Liability provision of the Commercial General Liability
Coverage Form, except as described below. Coverage form or by endorsement.
C. AMENDMENT - AGGREGATE LIMITS OF
A. BODILY INJURY – EXPANDED DEFINITION
INSURANCE
ENDORSEMENT
The General Aggregate Limit under Section III –
Under Section V – Definitions, the definition of
Limits Of Insurance applies separately to each of
bodily injury is deleted and replaced by the your:
following:
1. Projects away from premises owned by or
Bodily injury means physical injury, sickness or rented to you; and
disease sustained by a person, including death,
humiliation, shock, mental anguish or mental 2. "Locations" owned by or rented to you.
injury sustained by that person at any time which "Location" means premises involving the
results as a consequence of the physical injury, same or connecting lots, or premises whose
sickness or disease. connection is interrupted only by a street,
roadway, waterway or right-of-way of a
B. PERSONAL AND ADVERTISING INJURY –
railroad.
BROADENED
D. BORROWED EQUIPMENT
1. Paragraph 14.b. of Section V -- Definitions
is replaced by the following: 1. Exclusion j. Damage to Property of Section I
– Coverage A Bodily Injury And Property
b. Malicious prosecution or abuse of Damage Liability is amended as follows:
process
Paragraph (4) of this exclusion does not apply
2. Definition 14 of Section V -- Definitions is to "property damage" to borrowed equipment
amended by the addition of the following: while not being used to perform operations at
h. Wrongful discrimination or humiliation that the job site for damage by aircraft; civil
results in injury to the feelings or commotion; explosion; falling objects; fire;
reputation of a natural person, but only if hail; leakage from fire extinguishing
equipment; lightning; riot; sinkhole collapse;
such discrimination or humiliation is:
smoke; sonic boom; vandalism; vehicles;
(1) Not the result of acts, policy or volcanic action; water damage; weight of ice,
procedures, or omissions of: snow or sleet; and windstorm.
a) The insured; 2. This insurance is excess over any other valid
and collectible property insurance (including
b) Any executive officer, director, any deductible portion thereof) available to
stockholder, partner or member the insured whether primary, excess,
of the insured; or contingent or on any other basis.
c) anyone acting at the direction of E. DUTIES IN THE EVENT OF OCCURRENCE,
anyone listed in (a) and (b) above CLAIM OR SUIT
done with the intent or the
reasonable expectation that such Section IV – Commercial General Liability
Conditions is changed by the following:
acts or omissions will result in
wrongful discrimination or 1. The requirement in condition 2.a. of that you
humiliation to another person; must see to it that we are notified of an
and “occurrence” applies only when the
“occurrence” is known to:
(2) Not directly or indirectly related to
employment related practices, or the a. You, if you are an individual;
prospective employment or b. A partner, if you are a partnership; or
termination of employment or c. An executive officer or insurance manager
demotion of any personal or if you are a corporation.
person(s) by an insured.
(3) Not arising out of any “advertisement”
by you.
19217 08 19 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 6 of 17
2. The requirement in condition 2.b. that you c. The Damage to Premises Rented to You
must see to it that we receive notice of a limit in paragraph 6. of Section III - Limits
claim or “suit” will not be considered breached of Insurance is replaced by a new
unless the breach occurs after such claim or Damage to Premises Rented to You and
“suit” is know to: Fire, Lightning, Explosion, Smoke and
Leakage from Fire Protective Systems
a. You, if you are an individual; Damage Limit, which will be subject to all
b. A partner, if you are a partnership; or of the terms of Section III - Limits of
Insurance.
c. An executive officer or insurance manager
if you are a corporation. 3. This new Damage Limit is amount shown in
the Declarations for the Damage to Premises
F. UNINTENTIONAL FAILURE TO DISCLOSE Rented to You Limit and is the most we will
HAZARDS pay, subject to paragraph 5 of Section III
Section IV – Commercial General Liability Limits of Insurance, under Coverage A for
Conditions paragraph 6. Representations is damages because of "property damage" to
changed to add the following: any one premises, while rented to you or, in
the case of damage by fire, lightning,
If you unintentionally fail to disclose any hazards
explosion, smoke and leakage from fire
existing at the inception date of your policy, we
protective systems, while rented to you or
will not deny coverage under the Coverage Form
temporarily occupied by you with permission
solely because of such failure. However, this
of the owner.
provision does not affect our right to collect
additional premium or exercise our right of 4. Paragraph 9.a. of the definition of "insured
cancellation or non-renewal. contract" in Section V – Definitions is
replaced by the following:
This provision does not apply to any known injury
or damage which is excluded under any other a. A contract for a lease of premises.
provision of this policy. However, that portion of the contract for a
lease of premises that indemnifies any
G. DAMAGE TO PREMISES RENTED TO YOU - person or organization for damage by fire,
EXPANDED COVERAGE lightning, explosion, smoke and leakage
1. The last paragraph of Paragraph 2., from fire protective systems or
Exclusions of Section I – Coverage A – subsequent damages resulting from such
Bodily Injury And Property Damage fire, lightning, explosion, smoke and
Liability is replaced by the following: leakage from fire protective systems while
rented to you or temporarily occupied by
Exclusions c. through n. do not apply to
you with permission of the owner is not
damage by fire, lightning, explosion, smoke or
an "insured contract";
subsequent damages resulting from such fire,
lightning, explosion, smoke or leakage from H. HEALTH CARE SERVICES
fire protective systems to premises rented to
1. The definition of "bodily injury" in Section V -
you or temporarily occupied by you with
Definitions is amended to include injury
permission of the owner. The insurance
arising out of the rendering or failure to render
provided by this paragraph is subject to the
medical or paramedical services to persons
Limit displayed in the Declarations. This limit
by any physician, dentist, nurse, emergency
will apply to all damage proximately caused
medical technician or paramedic who is
by the same event, whether such damage
employed by you to provide such services.
results from fire, lightning, explosion, smoke
or leakage from fire protective systems or any 2. Section II - Who Is An Insured, paragraph
combination of the five. 2.a.(1)(d) does not apply to nurses,
emergency medical technicians or
2. The word fire is changed to fire, lightning,
paramedics referred to in a. above.
explosion, smoke and leakage from fire
protective systems where it appears in: 3. Section I – Coverage A Bodily Injury and
Property Damage Liability Exclusion e.
a. the Limits of Insurance section of the
Employer’s Liability Paragraph (1) does not
declarations of the Commercial General
apply to injury to the emotions or reputation of
Liability Coverage form; and
a person arising out of the rendering of such
b. Paragraph 6. of Section III - Limits of services.
Insurance; and
19217 08 19 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 7 of 17
4. Health Care Services coverage does not N. LIBERALIZATION PROVISION
apply if you are engaged in the business or
occupation of providing any of the services The following condition is added to Section IV –
referred to in 1. above. Commercial General Liability Conditions:
If we adopt any revision that would broaden the
I. MEDICAL PAYMENTS coverage under this policy without additional
1. In Paragraph a.(3)(b) of the insuring premium within 45 days prior to or during the
agreement of Coverage C – Medical policy period, the broadened coverage will apply
Payments (Section I – Coverage), one year immediately to this policy.
is changed to three years.
2. Paragraph 2.a., Exclusions, of Coverage C
SECTION 3 - ADDITIONAL COVERAGES
(Section I) is replaced by the following:
We will not pay expenses for “bodily injury”: A. VOLUNTARY PROPERTY DAMAGE EXPENSE
a. To any insured, except volunteer workers COVERAGE
who are not paid a fee, salary or other
1. Insuring Agreement
compensation.
a. We will reimburse you for "property
3. The Medical Expense Limit in Paragraph 7. of damage" claims directly arising from
Section III – Limits of Insurance is replaced
"your work" for a "client".
by a new Medical Expense Limit, which will
be subject to all the terms of Section III – The amount of such reimbursement is
Limits of Insurance. The new Medical limited as described in the Limits Of
Expense Limit is an additional $10,000 in Insurance section. No other obligation or
excess of Medical Expense Limit provided by liability to pay sums or perform acts or
the Coverage Part. services is covered.
J. MOBILE EQUIPMENT b. This insurance applies only if:
Under the Section V - Definitions, Paragraph (1) "Your work" was performed by you
f.(1)(a), (b) and (c) of Mobile Equipment does not or an "employee" and was done with
apply to self-propelled vehicles of less than 1,000 the express knowledge of the
pounds gross vehicle weight. insured;
(2) "Your work" was performed during
K. NEWLY FORMED OR ACQUIRED
the policy period;
ORGANIZATION
(3) You reasonably determine, and “we”
1. In paragraph 3.a. of Section II -- Who Is An agree, that payment in the amount
Insured, 90th day is changed to 180th day. of the "property damage" to the
2. This provision does not apply if coverage for "client" for "your work" is necessary;
newly formed or acquired organizations is (4) You have received a notarized
excluded either by the provision of the notification of a demand for
Commercial General Liability Coverage Form remuneration from the "client" by
or by an applicable endorsement. mail within 90 days after the work
L. EXTENDED NON-OWNED WATERCRAFT was performed.
Paragraph (2) of Exclusion g. of Section I – c. This insurance only applies to “property
Coverage A Bodily Injury And Property damage” while “your work” is being
Damage Liability is deleted and replaced with performed.
the following: d. We shall have no duty nor obligation to
A watercraft you do not own that is less than 76 defend the insured or perform acts or
feet long and not being used by you to carry services.
persons or property for a charge. 2. Exclusions
M. SUPPLEMENTARY PAYMENTS This insurance does not apply to:
In the Supplementary Payments – Coverages A a. "Your work" performed at any location
and B provision: owned by, rented or leased to the
insured;
1. The limit for cost of bail bonds is increased
from $250 to $5,000. b. Work performed by a subcontractor; or
2. The limit for loss of earnings is increased from c. Property damage (other than “your work”)
$250 a day to $1,000 a day. excluded under Bodily Injury And
Property Damage Liability in the
Coverages section.
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3. The following is added to the Section III – 1. Insuring Agreement
Limits of Insurance: a. We will reimburse you for "product
The most we will reimburse you for the sum of withdrawal expenses" incurred by you
all damages covered under the Voluntary because of a "product withdrawal" to
Property Damage Expense Coverage which this insurance applies.
because of "your work" is displayed in the The amount of such reimbursement is
Schedule of this endorsement. The Annual limited as described in paragraph 3. Limit
Aggregate Limit starts with the beginning of Of Insurance. No other obligation or
the policy period shown in the Declarations. liability to pay sums or perform acts or
This coverage is excess if there is any other services is covered.
Voluntary Property Damage Expense
Coverage attached to this policy by b. This insurance applies to a "product
endorsement. withdrawal" only if the "product
withdrawal" is initiated in the “coverage
4. The following condition replaces the territory" during the policy period
Duties In The Event Of Occurrence, because:
Offense, Claim Or Suit Condition (Section
IV – Commercial General Liability i. You determine that the "product
Conditions) for the Voluntary Property withdrawal" is necessary; or
Damage Expense Coverage: ii. An authorized government entity has
You must notify us as soon as possible of the ordered you to conduct a "product
notification from your "client" of a demand for withdrawal".
remuneration for "property damage" resulting c. We will reimburse "product withdrawal
from "your work". The notice should include: expenses" only if:
a. A notarized letter from the "client" of the i. The expenses are incurred within one
work deemed necessary to be changed; year of the date the "product
b. The names and addresses of the affected withdrawal" was initiated;
"clients" ii. The expenses are reported to us
c. A written description by you of how, when within one year of the date the
and where the event occurred; and expenses were incurred.
d. A cancelled check or money order d. The initiation of a "product withdrawal"
written to the "client". will be deemed to have been made only
at the earliest of the following times:
“You” must submit to examination under oath
in matters connected with the loss as often as i. When you first announced, in any
“we” reasonably request and give “us” sworn manner, to the general public, your
statements of the answers. If more than one vendors or to your employees (other
person is examined, “we” have the right to than those employees directly
examine and receive statements separately involved in making the determination)
and not in the presences of others. your decision to conduct or
participate in a "product withdrawal".
At our request, give us complete inventories This applies regardless of whether
of the damaged and undamaged property. the determination to conduct a
Include quantities, costs, values and amount "product withdrawal" is made by you
of the loss claimed. You are required to or is requested by a third party; or
cooperate with us in the review of the
reimbursement. ii. When you first received, either orally
or in writing, notification of an order
5. Definition: "Client" means an individual, from an authorized government entity
company or organization with whom you have to conduct a "product withdrawal".
a written contract or work order for your
services for a described premise and have e. "Product withdrawal expenses" incurred
billed for your service. to withdraw "your products" which contain
the same or substantially similar "defects"
B. LIMITED PRODUCT WITHDRAWAL EXPENSE will be deemed to have arisen out of the
COVERAGE same "product withdrawal".
This coverage is subject to the provisions f. With respect to products of which "your
applying to the Commercial General Liability product" is a component part, we will only
Coverage Form, except as provided below. reimburse you the amount to replace,
repair or repurchase "your product".
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2. Exclusions i. Banned from the market by an
authorized government entity prior to
This insurance does not apply to "product the policy period; or
withdrawal expenses" arising out of:
ii. Distributed or sold by you subsequent
a. Breach Of Warranty And Failure To to any governmental ban.
Conform To Intended Purpose
h. Defense Of Claim
Any "product withdrawal" initiated due to
the failure of "your products" to The defense of a claim or "suit" against
accomplish their intended purpose, you for liability arising out of a "product
including any breach of warranty of withdrawal".
fitness, whether written or implied. This i. Third-party Damages, Fines And
exclusion does not apply if such failure Penalties
has caused or is reasonably expected to Any compensatory damages, fines,
cause "bodily injury" or physical damage penalties, punitive or exemplary or other
to tangible property other than "your non-compensatory damages imposed
product". upon the insured.
b. Infringement Of Copyright, Patent, j. Pollution-related Expenses
Trade Secret, Trade Dress Or
Trademark Any loss, cost or expense due to any:
Any "product withdrawal" initiated due to i. Request, demand, order, statutory or
copyright, patent, trade secret, trade regulatory requirement that any
dress or trademark infringements. insured or others test for, monitor,
clean up, remove, contain, treat,
c. Deterioration, Decomposition Or detoxify or neutralize, or in any way
Chemical Transformation respond to, or assess the effects of,
Any "product withdrawal" initiated due to "pollutants"; or
the transformation of a chemical nature, ii. Claim or suit by or on behalf of a
deterioration or decomposition of "your governmental authority for damages
product". This exclusion does not apply if because of testing for, monitoring,
it is caused by: cleaning up, removing, containing,
i. An error in manufacturing, design, or treating, detoxifying or neutralizing, or
processing; in any way responding to, or
ii. Transportation of "your product"; or assessing the effects of, "pollutants".
iii. "Product tampering". 3. Limit of Insurance
d. Goodwill, Market Share, Revenue, a. The Aggregate Limit of Insurance shown
Profit Or Redesign in the Schedule of Limits and the rules
below fix the most we will pay regardless
The costs of regaining goodwill, market of the number of:
share, revenue or "profit" or the costs of
redesigning "your product". i. Insureds;
e. Expiration Of Shelf Life ii. "Product withdrawals" initiated;
Any "product withdrawal" initiated due to iii. Number of "your products" withdrawn;
expiration of the designated shelf life of b. Deductible And Participation
"your product". Percentage Provisions
f. Known Defect i. Deductible
A "product withdrawal" initiated due to a We will only pay for the amount of:
"defect" in "your product" known to exist (1) "Product withdrawal
by the Named Insured or the Named expenses" which are in
Insured's "executive officers", prior to the excess of the deductible
date when this Limited Product amount, shown in the
Withdrawal Expense Coverage was first Schedule of Limits of this
issued to you or prior to the time "your endorsement. The deductible
product" leaves your control or applies separately to each
possession. "product withdrawal". The
g. Governmental Ban limits of insurance will not be
A recall when "your product" or a reduced by the amount of this
component contained within "your deductible.
product" has been:
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(2) We may, or will if required by ii. If a "product withdrawal" is initiated,
law, pay all or any part of any you must:
deductible amount, if (1) Immediately record the
applicable. Upon notice of our specifics of the "product
payment of a deductible withdrawal" and the date it
amount, you shall promptly was initiated; and
reimburse us for the part of
the deductible amount we (2) Notify us as soon as
paid. practicable. You must see to it
that we receive written notice
ii. Participation Percentage of the "product withdrawal" as
You agree to participate in the soon as practicable.
payment of "product withdrawal iii. You must promptly take all
expenses" which are in excess of the reasonable steps to mitigate the
deductible, to the extent of the expenses associated with a "product
Participation Percentage indicated in withdrawal". Any "profit" that you
the Schedule of Limits of this receive from mitigating the expenses
endorsement. The Participation will be deducted from the amount of
Percentage applies separately to reimbursement that you will receive
each "product withdrawal". You also for "product withdrawal expenses".
agree that the cost of your
participation in the loss will be borne iv. You and any other involved insured
entirely by you when due and you must:
will not obtain insurance to cover it (1) Immediately send us copies of
The Limit of Insurance of this pertinent correspondence
Coverage applies separately to each received in connection with
consecutive annual period and to the “product withdrawal”;
any remaining period of less than 12
(2) Authorize us to obtain records
months, starting with the beginning
and other information; and
of the policy period shown in the
Declarations. (3) Cooperate with us in our
investigation of the “property
4. Product Withdrawal Conditions
withdrawal”.
a. Duties In The Event Of A Product
b. Concealment Or Fraud
Withdrawal
We will not provide coverage for “product
i. You must see to it that we are notified
withdrawal expense” to you, or any other
as soon as practicable of any actual,
insured, who at any time:
suspected or threatened "defect" in
"your product", or any governmental i. Engaged in fraudulent conduct; or
investigation, that may result in a ii. Intentionally concealed or
"product withdrawal" or a claim. To misrepresented a material fact
the extent possible, notice should concerning a "product withdrawal" or
include: "product withdrawal expenses"
(1) How, when and where the incurred by you.
"defect" was discovered; c. Other Insurance
(2) The names and addresses of This coverage is excess if there is any
any injured persons and other Limited Product Withdrawal
witnesses; and Expense Coverage attached to this policy
(3) The nature, location and by endorsement.
circumstances of any injury or 5. The following definitions are added to
damage arising out of use or Section V - Definition:
consumption of "your
product". a. "Coverage territory" means anywhere in
the world with the exception of any
country or jurisdiction which is subject to
trade or other economic sanction or
embargo by the United States of America.
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b. "Defect" means a defect, deficiency or e. "Product withdrawal expenses" means
inadequacy that creates a dangerous those reasonable and necessary extra
condition. expenses, listed below, paid and directly
c. "Product tampering" is an act of related to a "product withdrawal":
intentional alteration of "your product" i. Cost of replacing "your product",
which has caused or is reasonably repairing the "defect" in "your
expected to cause "bodily injury" or product" or repurchasing "your
physical injury to tangible property other product" for your initial purchase
than "your product". When "product price, whichever is less;
tampering" is known, suspected or ii. Costs of notification;
threatened, a "product withdrawal" will be
limited to those batches of "your product" iii. Costs of stationery, envelopes,
which are known or suspected to have production of announcements and
been tampered with. For the purposes of postage or facsimiles;
this insurance, electronic data is not iv. Costs of overtime paid to regular non-
tangible property. salaried employees and costs
For the purposes of this insurance, electronic incurred by such employees,
data is not tangible property. including costs of transportation and
accommodations;
"Electronic data" means information, facts or
programs stored as or on, created or used on, v. Costs of computer time;
or transmitted to or from computer software, vi. Costs of hiring independent
hard or floppy disks, CD- ROMs, tapes, contractors and other temporary
drives, cells, data processing devices or any employees;
other media which are used with electronically vii. Costs of transportation, shipping or
controlled equipment. packaging;
d. "Product withdrawal" means the recall or viii. Costs of warehouse or storage
withdrawal: space; or
i. From the market; or ix. Costs of proper disposal of "your
ii. From use by any other person or products", or products that contain
organization; of "your products", or "your products", that cannot be
products which contain "your reused, not exceeding your initial
products", because of known or purchase price or your cost to
suspected "defects" in "your product", produce the products.
or known or suspected "product f. "Profit" means the positive gain from
tampering", which has caused or is business operation after subtracting for all
reasonably expected to cause "bodily expenses.
injury" or physical injury to tangible
property other than "your product". g. "Your product" means:
For the purposes of this insurance, i. Any goods or products, other than
electronic data is not tangible real property, manufactured, sold,
property. handled, distributed or disposed of
by:
"Electronic data" means information,
facts or programs stored as or on, (1) You;
created or used on, or transmitted to (2) Others trading under your
or from computer software, hard or name; or
floppy disks, CD- ROMs, tapes,
drives, cells, data processing devices (3) A person or organization
or any other media which are used whose business or assets you
with electronically controlled have acquired; and
equipment. ii. Containers (other than vehicles),
materials, parts or equipment
furnished in connection with such
goods or products.
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C. EMPLOYEE BENEFITS LIABILITY COVERAGE d. Insufficiency Of Funds
This endorsement is subject to the provisions Damages arising out of an insufficiency of
applying to the Commercial General Liability funds to meet any obligations under any
Coverage Form, except as provided below. plan included in the "employee benefit
1. Insuring Agreement program".
a. We will pay those sums that the insured e. Inadequacy Of Performance Of
becomes legally obligated to pay as Investment/Advice Given With Respect
damages because of any act, error or To Participation
omission, of the insured, or of any other Any "claim" based upon:
person for whose acts the insured is
legally liable, to which this insurance i. Failure of any investment to perform;
applies. We will have the right and duty to ii. Errors in providing information on
defend the insured against any "suit" past performance of investment
seeking those damages. However, we will vehicles; or
have no duty to defend the insured iii. Advice given to any person with
against any "suit" seeking damages to respect to that person's decision to
which this insurance does not apply. We participate or not to participate in any
may, at our discretion, investigate any plan included in the "employee
report of an act, error or omission and benefit program".
settle any "claim" or "suit" that may result.
But: f. Workers' Compensation And Similar
Laws
i. The amount we will pay for damages
is limited as described in Paragraph Any "claim" arising out of your failure to
5. (Section III – Limits Of comply with the mandatory provisions of
Insurance); and any workers' compensation,
unemployment compensation insurance,
ii. Our right and duty to defend ends social security or disability benefits law or
when we have used up the applicable any similar law.
limit of insurance in the payment of
judgments or settlements. No other g. ERISA
obligation or liability to pay sums or Damages for which any insured is liable
perform acts or services is covered because of liability imposed on a fiduciary
unless explicitly provided for under by the Employee Retirement Income
Supplementary Payments. Security Act of 1974, as now or hereafter
b. This insurance applies to damages only if amended, or by any similar federal, state
the act, error or omission, is negligently or local laws.
committed in the "administration" of your h. Available Benefits
"employee benefit program"; Any "claim" for benefits to the extent that
2. Exclusions such benefits are available, with
This insurance does not apply to: reasonable effort and cooperation of the
insured, from the applicable funds
a. Dishonest, Fraudulent, Criminal Or accrued or other collectible insurance.
Malicious Act
i. Taxes, Fines Or Penalties
Damages arising out of any intentional,
dishonest, fraudulent, criminal or Taxes, fines or penalties, including those
malicious act, error or omission, imposed under the Internal Revenue
committed by any insured, including the Code or any similar state or local law.
willful or reckless violation of any statute. j. Employment-Related Practices
b. Bodily Injury, Property Damage, Or Damages arising out of wrongful
Personal And Advertising Injury termination of employment,
"Bodily injury", "property damage" or discrimination, or other employment-
"personal and advertising injury". related practices.
c. 3rd Party Failure To Perform A 3. For the purposes of the coverage provided by
Contract this endorsement all references to
Supplementary Payments – Coverages A and
Damages arising out of failure of B are replaced by Supplementary Payments –
performance of contract by any insurer. Coverages A, B and Employee Benefits
Liability.
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4. For the purposes of the coverage provided by c. Subject to the Aggregate Limit, the Each
this endorsement, Paragraphs 2. and 3. of Employee Limit is the most we will pay for
Section II – Who Is An Insured are replaced all damages sustained by any one
by the following: "employee", including damages sustained
a. Each of the following is also an insured: by such "employee's" dependents and
beneficiaries, as a result of:
i. Each of your "employees" who is or
was authorized to administer your i. An act, error or omission; or
"employee benefit program". ii. A series of related acts, errors or
ii. Any persons, organizations or omissions negligently committed in
"employees" having proper temporary the "administration" of your
authorization to administer your "employee benefit program".
"employee benefit program" if you However, the amount paid under this
die, but only until your legal endorsement shall not exceed, and
representative is appointed. will be subject to, the limits and
iii. Your legal representative if you die, restrictions that apply to the payment
but only with respect to duties as of benefits in any plan included in the
such. That representative will have all "employee benefit program". The
your rights and duties under this Limits of Insurance of this
Endorsement. endorsement apply separately to
each consecutive annual period and
b. Any organization you newly acquire or to any remaining period of less than
form, other than a partnership, joint 12 months, starting with the
venture or limited liability company, and beginning of the policy period shown
over which you maintain ownership or in the Declarations of the policy to
majority interest, will qualify as a Named which this endorsement is attached.
Insured if no other similar insurance
applies to that organization. However: 6. Deductible
i. Coverage under this provision is a. Our obligation to pay damages on behalf
afforded only until the 90th day after of the insured applies only to the amount
you acquire or form the organization of damages in excess of the deductible
or the end of the policy period, amount stated in the Schedule as
whichever is earlier. applicable to Each Employee. The limits
of insurance shall not be reduced by the
ii. Coverage under this provision does amount of this deductible.
not apply to any act, error or omission
that was committed before you b. The deductible amount stated in the
acquired or formed the organization. Schedule applies to all damages
sustained by any one "employee",
5. Limits of Insurance including such "employee's" dependents
For the purposes of the coverage provided by and beneficiaries, because of all acts,
this endorsement, Section III – Limits Of errors or omissions to which this
Insurance is replaced by the following: insurance applies.
a. The Limits of Insurance shown in the c. The terms of this insurance, including
Schedule and the rules below is the most those with respect to:
we will pay regardless of the number of: i. Our right and duty to defend any
i. Insureds; "suits" seeking those damages; and
ii. "Claims" made or "suits" brought; ii. Your duties, and the duties of any
other involved insured, in the event of
iii. Persons or organizations making
an act, error or omission, or "claim"
"claims" or bringing "suits";
apply irrespective of the application of
iv. Acts, errors or omissions; or the deductible amount.
v. Benefits included in your "employee d. We may pay any part or all of the
benefit program". deductible amount to effect settlement of
b. The Aggregate Limit is the most we will any "claim" or "suit" and, upon notification
pay for all damages because of acts, of the action taken, you shall promptly
errors or omissions negligently committed reimburse us for such part of the
in the "administration" of your "employee deductible amount as we have paid.
benefit program".
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7. For the purposes of the coverage provided by b. Other Insurance
this endorsement, Conditions 2. and 4. of
Section IV – Commercial General Liability This coverage is excess if there is any
Conditions are replaced by the following: other Employee Benefit Liability attached
to this policy by endorsement.
a. Duties In The Event Of An Act, Error
Or Omission, Or "Claim" Or "Suit" 8. For the purposes of the coverage provided by
this endorsement, the following definitions are
i. You must see to it that we are notified added to the Section V - Definitions:
as soon as practicable of an act, error
or omission which may result in a a. "Administration" means:
"claim". To the extent possible, notice i. Providing information to "employees",
should include: including their dependents and
(1) What the act, error or beneficiaries, with respect to eligibility
omission was and when it for or scope of "employee benefit
occurred; and programs";
(2) The names and addresses of ii. Handling records in connection with
anyone who may suffer the "employee benefit program"; or
damages as a result of the iii. Effecting, continuing or terminating
act, error or omission. any "employee's" participation in any
ii. If a "claim" is made or "suit" is benefit included in the "employee
brought against any insured, you benefit program". However,
must: "administration" does not include
handling payroll deductions.
(1) Immediately record the
specifics of the "claim" or b. "Cafeteria plans" means plans authorized
"suit" and the date received; by applicable law to allow employees to
and elect to pay for certain benefits with pre-
tax dollars.
(2) Notify us as soon as
practicable. You must see to it c. “Claim" means any demand, or "suit",
that we receive written notice made by an "employee" or an
of the "claim" or "suit" as soon "employee's" dependents and
as practicable. beneficiaries, for damages as the result of
an act, error or omission.
iii. You and any other involved insured
must: d. "Employee benefit program" means a
program providing some or all of the
(1) Immediately send us copies of following benefits to "employees",
any demands, notices, whether provided through a "cafeteria
summonses or legal papers plan" or otherwise:
received in connection with
the "claim" or "suit"; i. Group life insurance, group accident
or health insurance, dental, vision
(2) Authorize us to obtain records and hearing plans, and flexible
and other information; spending accounts, provided that no
(3) Cooperate with us in the one other than an "employee" may
investigation or settlement of subscribe to such benefits and such
the "claim" or defense against benefits are made generally available
the "suit"; and to those "employees" who satisfy the
(4) Assist us, upon our request, in plan's eligibility requirements;
the enforcement of any right ii. Profit sharing plans, employee
against any person or savings plans, employee stock
organization which may be ownership plans, pension plans and
liable to the insured because stock subscription plans, provided
of an act, error or omission to that no one other than an "employee"
which this insurance may also may subscribe to such benefits and
apply. such benefits are made generally
iv. No insured will, except at that available to all "employees" who are
insured's own cost, voluntarily make eligible under the plan for such
a payment, assume any obligation or benefits;
incur any expense without our iii. Unemployment insurance, social
consent. security benefits, workers'
compensation and disability benefits;
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iv. Vacation plans, including buy and sell b. Non-owned Auto Liability
programs; leave of absence
programs, including military, The insurance provided under Section I -
maternity, family, and civil leave; Coverage A Bodily Injury and Property
tuition assistance plans; Damage Liability applies to “bodily
transportation and health club injury” or “property damage” arising out of
subsidies. the use of any “non-owned auto” in your
business by any person for the limits
9. For the purposes of the coverage provided by provided in the Schedule of Limits of this
this endorsement, Definitions 5. and 18. in endorsement.
Section V - Definitions Section are replaced
by the following: 2. With respect to the insurance provided by this
endorsement: Subparagraphs c., e., g., h., j.,
a. "Employee" means a person actively k., l., m., and n. of paragraph 2. Exclusions
employed, formerly employed, on leave of of Section I - Coverage A Bodily Injury and
absence or disabled, or retired. Property Damage Liability are deleted in
"Employee" includes a "leased worker". their entirety and the following exclusions are
"Employee" does not include a added:
"temporary worker".
This insurance does not apply to:
b. "Suit" means a civil proceeding in which
damages because of an act, error or a. “Bodily injury”:
omission to which this insurance applies i. To an “employee” of the insured
are alleged. "Suit" includes: arising out of and in the course of
i. An arbitration proceeding in which employment by the insured or
such damages are claimed and to performing the duties related to the
which the insured must submit or conduct of the insured business or
does submit with our consent; or ii. To the spouse, child, parent, brother
ii. Any other alternative dispute or sister of that “employee” as a
resolution proceeding in which such consequence of 1.a.(1) above.
damages are claimed and to which This exclusion applies:
the insured submits with our consent.
(1) Whether the insured may be
liable as an employer or in
SECTION 4 – OPTIONAL COVERAGES any other capacity; and
(2) To any obligation to share
If shown as included in the Schedule of Coverages, damages with or repay
the following Optional Coverage may also apply. someone else who must pay
These coverages are subject to the terms, exclusions damages because of injury.
and conditions applicable to the Commercial General
Liability Coverage and this endorsement. This exclusion does not apply to:
(1) Liability assumed by the insured
A. HIRED AND NON-OWNED AUTO LIABILITY under an “insured contract”; or
COVERAGE (2) “Bodily injury” arising out of and
in the course of domestic
1. Insurance is provided only for these
employment by the insured
coverages, but only if you do not have any
unless benefits for such injury
other insurance available to you which affords
are in whole or in part either
the same or similar coverage.
payable or required to be
a. Hired Auto Liability provided under any workers’
The insurance provided under Section I – compensation law.
Coverage A Bodily Injury and Property b. “Property damage” to:
Damage Liability applies to “bodily
i. Property owned or being transported
injury” or “property damage” arising out of
by, or rented or loaned to the
the maintenance or use of a “hired auto”
insured; or
by you or your “employees” in the course
of your business for the limits provided in ii. Property in the care, custody or
the Schedule of Limits of this control of the insured.
endorsement.
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3. Section II – Who is an Insured is replaced (2) Maintenance or use of a
by the following: “hired auto” by you or your
Each of the following is an insured under this “employee” in the course of
insurance to the extent set forth below. your business; or
a. You; (3) Use of any “non-owned auto”
in your business by any
b. Any other person using a “hired auto” with person other than you.
your permission;
5. Definitions
c. With respect to a “non-owned auto”, any
partner or “executive officer” of yours, any a. The following additional definitions apply:
“employee” of yours; but only while such i. “Auto business” means the business
“non-owned auto” is being used in your or occupation of selling, repairing,
business; and servicing, storing or parking “autos”.
d. Any other person or organization, but only b. Paragraph 9. “Insured contract” is
with respect to their liability because of changed by the addition of the following:
acts or omissions of an insured under a., ii. “Insured contract” means the part of
b., or c. above. any contract or agreement entered
None of the following is an insured: into as part of your business, by you
e. Any person engaged in the business of or any of your employees pertaining
his or her employer with respect to “bodily to the rental or lease of any “auto”.
injury” to any co-“employee” of such iii. Does not include that part of any
person injured in the course of contract or agreement:
employment or to the spouse, child, (1) That pertains to the loan, lease
parent, brother or sister of that co- or rental of an “auto” to you or
“employee” as a consequence of such any of your employees, if the
“bodily injury”, or for any obligation to “auto” is loaned, leased or
share damages with or repay someone rented with a driver; or
else who must pay damages because of
the injury; (2) That holds a person or
organization, engaged in the
f. Any partner or “executive officer” with business of transporting
respect to any “auto” owned by such property by “auto” for hire,
partner or officer or a member of his or harmless for your use of a
her household; covered “auto” over a route or
g. Any person while employed in or territory that that person or
otherwise engaged in duties in organization is authorized to
connection with an “auto business” serve by public authority.
including an “auto business” you operate. a. “Hired auto” means any “auto” you lease,
h. The owner or lessee (of whom you are a hire, rent or borrow. This does not
sublessee) of a “hired auto” or the owner include any “auto” you lease, hire, rent or
of a “non-owned auto” or any agent or borrow from any of your “employees”,
“employee” of any such owner or lessee; partners (if you are a partnership),
i. Any person or organization with respect members (if you are a limited liability
to the conduct of any current or past company) or members of their
partnership or joint venture that is not households.
shown as a Named Insured in the b. “Non-owned auto” means any “auto” you
Declarations. do not own, lease, hire, rent or borrow
4. Section III – Limits of Insurance Paragraph that is used in connection with your
2.b. is replaced by the following: business. This includes any “auto” owned
by your “employees” or partners (if you
a. Damages under Coverage A and are a partnership), members (if you are a
Coverage B, except damages because limited liability company) or members of
of: their households but only while used in
i. Injury and damage included in the your business or your personal affairs.
“products-completed operations
hazard”; or
(1) “Bodily injury” or “property
damage” arising out of the:
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William J Redmond & Son Inc
6733080
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL INSURED – OWNERS, LESSEES OR
CONTRACTORS – AUTOMATIC STATUS WHEN
REQUIRED IN CONSTRUCTION AGREEMENT WITH YOU
(INCLUDING PRODUCTS-COMPLETED OPERATIONS)
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. Section II – Who Is An Insured is amended to a. The preparing, approving, or failing to
include as an additional insured any person or prepare or approve, maps, shop drawings,
organization for whom you are performing opinions, reports, surveys, field orders,
operations or have performed operations when change orders or drawings and
you and such person or organization have agreed specifications; or
in writing in a contract or agreement that such b. Supervisory, inspection, architectural or
person or organization be added as an additional engineering activities.
insured on your policy. Such person or
organization is an additional insured only with This exclusion applies even if the claims against
respect to liability for "bodily injury", "property any insured allege negligence or other wrongdoing
damage" or "personal and advertising injury" in the supervision, hiring, employment, training or
caused, in whole or in part, by: monitoring of others by that insured, if the
"occurrence" which caused the "bodily injury" or
1. Your acts or omissions or the acts or omissions "property damage", or the offense which caused
of those acting on your behalf in the the "personal and advertising injury", involved the
performance of your ongoing operations for the rendering of or the failure to render any
additional insured. professional architectural, engineering or
2. “Your work” performed for the additional surveying services.
insured and included in the “products- 2. Any person(s) or organization(s) for whom you
completed operations hazard”. are performing operations or have performed
However, the insurance afforded to such operations that is an additional insured on a
additional insured: specifically named endorsement attached to
1. Only applies to the extent permitted by law; this policy.
and C. With respect to the insurance afforded to these
2. Will not be broader than that which you are additional insureds, the following is added to
required by the contract or agreement to Section III – Limits Of Insurance:
provide for such additional insured. The most we will pay on behalf of the additional
B. With respect to the insurance afforded to these insured is the amount of insurance:
additional insureds, the following additional 1. Required by the contract or agreement you
exclusions apply: have entered into with the additional insured;
This insurance does not apply to: or
1. "Bodily injury", "property damage" or "personal 2. Available under the applicable Limits of
and advertising injury" arising out of the Insurance shown in the Declarations;
rendering of, or the failure to render, any whichever is less.
professional architectural, engineering or This endorsement shall not increase the
surveying services, including: applicable Limits of Insurance shown in the
Declarations.
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William J Redmond & Son Inc
6733079
THIS SCHEDULE CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DIAMOND AUTO PREMIER ENDORSEMENT
COVERAGE SCHEDULE
This Schedule is used in conjunction with the Business Auto Policy Declaration when the Business Auto Policy
includes the Diamond Auto Premier Endorsement. This Schedule supplements the Business Auto Policy
Declaration. This is a summary of the additional coverages provided by the Diamond Auto Premier Endorsement,
for complete details on specific coverages consult the actual endorsement.
SECTION 1 – WHO IS AN INSURED EXTENSIONS AND ADDITIONAL INTEREST COVERAGES
Coverage Description Coverage Enhancement
Subsidiaries As Insureds Included
Newly Formed Or Acquired Organizations Broadened
Employees As Insureds Broadened
Hired Auto Liability For Employees Included
Automatic Additional Interest Included
Primary And Noncontributory Included
Automatic Waiver Of Transfer Of Rights Of Recovery Against Others To Us Included
SECTION 2 – LIABILITY EXTENSIONS AND ADDITIONAL COVERAGES
Coverage Description Coverage Enhancement
or Limit of Liability
Bodily Injury Coverage Extension – Mental Anguish Broadened
Certain Trailers And Temporary Substitute Autos Coverage Extension 5,000 GVW
Coverage For Certain Operations In Connection With Railroads Included
Covered Autos Mobile Equipment Coverage Extension Included
Drive Other Car – Automatic Coverage For Executive Officers Included
Expected Or Intended Injury Coverage Extension Included
Family Emergency Travel Reimbursement $400 per Day /
$3,000 Maximum
Fellow Employee Coverage Extension Included
Pollution Liability Additional Coverage $10,000 per "Accident" /
This additional coverage does not apply to "autos" garaged in Vermont if $10,000 Aggregate
Vermont Changes form 19352 is attached to the policy.
Supplementary Payments – Bail Bonds Coverage Extension $5,000
Supplementary Payments – Loss Of Earnings Per Day Coverage Extension $1,000 per day
SECTION 3 – PHYSICAL DAMAGE EXTENSIONS AND ADDITIONAL COVERAGES
Physical Damage Extensions And Additional Coverages are only available for "autos" with Comprehensive or
Specified Causes Of Loss, and Collision physical damage coverages.
Coverage Description Coverage Enhancement
or Limit of Liability
Airbag Coverage Additional Coverage Included
Audio, Visual And Electronic Data Equipment Coverage Extension $3,000
19364 03 25 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 2
Auto Replacement Option $2,500 per Auto /
$5,000 per “Accident”
Business Interruption Additional Coverage $10,000 per "Accident" /
$20,000 Maximum
Deductible Waived – Multiple Policies With Us Included
Deductible Waived – Collision Of Parked Auto Included
Deductible Waived – Glass Included
Fire Department Service Charge $1,000 per “Accident”
Fire Extinguisher Recharge Included
Hired Auto Loss Of Use $3,500 Maximum
Hired Auto Physical Damage – Employee As Lessor Included
Hired Auto Physical Damage Including Trailers $125,000 Maximum
Loan/Lease Gap Included
Lock Replacement Including Emergency Lock Out $1,000 Maximum
Personal Property Coverages $5,000 per “Accident”
Personal Effects
Personal Property Of Others
Personal Property Used In Your Business
Replacement Cost – Private Passenger Autos 24 Months
24,000 Miles
Replacement Costs – Trucks Up To 20,000 GVW 12 Months
15,000 Miles
Transportation Expense Extension (Including Rental Reimbursement) $2,500 Maximum
Towing Expense $250 Private Passenger
$750 All Other Vehicles
Vehicle Sign And Wrap Coverage $2,000 Maximum
Additional per “Accident”
SECTION 4 – CHANGES IN CONDITONS
Coverage Description Coverage Enhancement
Duties In The Event Of Accident, Occurrence, Claim Or Suit Broadened
Liberalization Included
Unintentional Failure To Disclose Hazards / Concealment Misrepresentation Broadened
Or Fraud
19364 03 25 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of 2
William J Redmond & Son Inc Agent No. 0100152
Policy No. 6733079
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DIAMOND AUTO PREMIER ENDORSEMENT
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
This endorsement is subject to the provisions applying to the Business Auto Coverage Form, except as described
below.
SECTION 1 – WHO IS AN INSURED EXTENSIONS 3. Employees as Insureds
AND ADDITIONAL INTEREST COVERAGES Your "employees" are insureds while using a
A. SECTION II – LIABILITY COVERAGE, Para- covered "auto" in your business or your
graph A. Coverage, 1. Who Is An Insured is personal affairs, provided you do not own, hire,
changed by adding the following: or borrow that "auto".
1. Subsidiaries As Insureds 4. Hired Auto Liability For Employees
Any legally incorporated subsidiary in which An "employee" of yours is an "insured" while
you own more than 50% of the voting stock on operating an "auto" hired or rented under a
the effective date of this Coverage. However, contract or agreement in that "employee’s"
the Named Insured does not include any name, with your permission, while performing
subsidiary that is an "insured" under any other duties related to the conduct of your business.
automobile policy or would be an "insured" 5. Automatic Additional Interest
under such a policy but for its termination or Any person or organization whom you are
the exhaustion of its Limits of Insurance. required to add as an Additional Insured on
2. Automatic Insured Status for Newly Formed this policy under a written contract or written
or Acquired Organizations agreement in effect on the date of the
Any organization that is newly acquired or "accident"; and signed by all parties prior to the
formed by you and over which you maintain "accident".
majority ownership will qualify as a Named This person or organization is an Additional
Insured if there is no other similar insurance Insured to the extent you are liable for an
available to that organization. However: "accident" caused in whole or in part, using a
a. Coverage under this provision is afforded covered "auto" being driven by you or any
only until the 180th day after you acquire or "insured".
form the organization or the end of the B. Primary and Noncontributory – Other
policy period, whichever is earlier; and Insurance Condition
b. Coverage does not apply to: SECTION IV – BUSINESS AUTO CONDITIONS,
(1) Newly formed or acquired joint ventures Paragraph B.5. Other Insurance Condition is
or partnerships; changed. The following is added to the and
supersedes any provision to the contrary:
(2) "Bodily injury" or "property damage"
resulting from an "accident" that 1. This insurance is primary to and will not seek
occurred before you formed or acquired contribution from any other insurance available
the organization; and to an Additional Insured under your policy
provided that:
(3) Any insured under any other automobile
liability policy or would be an insured a. The Additional Insured is a Named Insured
under such a policy but for the under such other insurance; and
termination of coverage or the b. You have agreed in writing in a contract or
exhaustion of policy liability limits of agreement that this insurance would be
insurance. primary and would not seek contribution
from any other insurance available to the
Additional Insured.
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Agent No. 0100152
2. Regardless of the written contract or written C. Coverage for Certain Operations In Connection
agreement between you and an Additional with Railroads
Insured, this insurance is excess over any With regards to the use of covered "autos" in
other insurance whether primary, excess, operations for or affecting a railroad:
contingent or any other basis for which the
Additional Insured has been added as 1. SECTION V – DEFINITIONS, H. "Insured
additional insured on other policies. contract", 3. is deleted and replaced by the
following:
3. The most we will pay on behalf of the
Additional Insured is the amount of insurance 3. An easement or license agreement;
required in writing in a contract or agreement; 2. SECTION V – DEFINITIONS, H. "Insured
or available under the applicable Limits of contract", a. is deleted.
Insurance shown in the Declarations;
D. Covered Autos Coverage Extension
whichever is less.
If SECTION 1 COVERED AUTOS is provided as
C. Automatic Waiver of Transfer of Rights of Symbol 1 Any "Auto" then any "auto" includes
Recovery Against Others To Us
mobile equipment subject to compulsory or
Paragraph A.5. Transfer Of Rights Of Recovery financial responsibility or other motor vehicle
Against Others To Us of SECTION IV – insurance law only.
BUSINESS AUTO CONDITIONS is changed with Covered mobile equipment includes only those
the addition of the following:
"autos" that are land vehicles and that would
The Transfer of Rights Of Recovery Against qualify under the definition of "mobile equipment"
Others To Us Condition does not apply to any under this policy if they were not subject to a
person(s) or organization(s) for whom you are compulsory or financial responsibility law or other
required to waive subrogation with respect to the motor vehicle insurance law where they are
coverage provided under this Coverage Form, but licensed or principally garaged.
only to the extent that subrogation is waived: E. Drive Other Car – Automatic Coverage for
1. Under a written contract or written agreement Executive Officers
with such person(s) or organization(s); and
1. Changes in SECTION II – COVERED AUTOS
2. Prior to the "accident" or the "loss". LIABILITY COVERAGE
a. If Covered Auto Liability, Auto Medical
SECTION 2 – LIABILITY EXTENSIONS AND Payments, Personal Injury Protection,
ADDITIONAL COVERAGES Comprehensive, Specified Causes of Loss,
Collision, or Uninsured and Underinsured
A. Bodily Injury Coverage Extension – Mental Motorist is shown in the Declarations for
Anguish any private passenger or light truck type
SECTION V – DEFINITIONS, C. "Bodily Injury" auto, then the same type of coverage is
is deleted and replaced by the following: provided for Drive Other Car – Automatic
Coverage for Executive Officer.
"Bodily injury" means bodily injury, sickness or
disease sustained by a person, including mental b. Any "auto" you don’t own, hire, or borrow is
anguish and death sustained by the same person a covered "auto" while being used by any
that results from such bodily injury, sickness, or "executive officer" or by his or her spouse
disease. "Bodily injury" does not include mental while a resident of the same household
anguish or death that does not result from bodily except:
injury, sickness, or disease. (1) Any "auto" owned by that "executive
B. Certain Trailers And Temporary Substitute officer" or by any member of his or her
Autos Coverage Extension household.
SECTION I – COVERED AUTOS, Paragraph C.1. (2) Any "auto" used by that "executive
is changed by the following: officer" or his or her spouse while
working in a business of selling,
Gross Vehicle Weight Rating of 3,000 pounds is servicing, repairing, or parking "autos".
deleted and replaced with Gross Vehicle Weight
Rating of 5,000 pounds.
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Agent No. 0100152
2. Changes in Auto Medical Payments and In addition to the Limit of Insurance, we will pay
Uninsured and Underinsured Motorists reasonable “travel expenses” incurred by a family
Coverages member or associate of an “insured” or passenger
The following is added to Paragraph A.1. Who who is injured in an “accident” involving a covered
Is An Insured: “auto”, subject to the following conditions:
Any "executive officer" and his or her "family 1. Regardless of the number of traveling family
member" are "insureds" while "occupying" or members or associates, injured “insureds” or
while a pedestrian when being struck by any passengers, claims made or vehicles involved
"auto" you don’t own except: in the “accident”, the most we will pay for all
“travel expenses” resulting from any one
Any "auto" owned by an "executive officer" or “accident” is the limit displayed on the
by any "family member". Coverage Schedule.
3. Changes in SECTION III – PHYSICAL 2. Travel must be to visit the injured party at the
DAMAGE COVERAGE medical or rehabilitation facility or in the event
Any private passenger type "auto" you don’t of death, to the location necessary to handle
own, hire, or borrow is a covered "auto" while the immediate affairs of the deceased.
in the care, custody, or control of any 3. The limit shown on the Coverage Schedule is
"executive officer" or his or her spouse while a the most we will pay for the combined total
resident of the same household except: expenses of room accommodations, meals,
a. Any "auto" owned by that "executive officer" and parking for each family member or
or by any member of his or her household. associate is the per day limit shown on the
Coverage Schedule.
b. Any "auto" used by that "executive officer"
while working in a business of selling, 4. Subject to the maximum limit shown on the
servicing, repairing, or parking "autos". Coverage Schedule, we will reimburse ground
4. Additional Definitions transportation using a personal vehicle at the
As used for Drive Other Car – Automatic current rate (rate during your time of travel) set
Coverage for Executive Officers the by the Federal government.
following definitions are added.
5. All “travel expenses” must be supported by
a. "Executive officer" means any person written receipts submitted to us no later than
holding any of the officer positions created one year from the date of the “accident”.
by your organization’s governing document.
b. "Family member" means a person related to “Travel expenses” mean only the following
the "executive officer" by blood, marriage or expenses: reasonable ground, rail or economy
adoption who is a resident of the "executive class air transportation; room accommodations;
officer’s" household, including a ward or meals and parking expenses.
foster child.
F. Expected or Intended Injury Coverage H. Fellow Employee Coverage Extension
Extension SECTION II – COVERED AUTOS LIABILITY
SECTION II – COVERED AUTOS LIABILITY COVERAGE, B. Exclusions Paragraph 5. Fellow
COVERAGE, B.1. Exclusion is deleted and Employee is deleted.
replaced with the following: I. Pollution Liability Additional Coverage
1. Expected Or Intended Injury 1. SECTION II – COVERED AUTOS LIABILITY
"Bodily injury" or "property damage" expected COVERAGE, B. Exclusions are changed as
or intended from the standpoint of the follows:
"insured". But this exclusion does not apply to a. Paragraph 11.a. Pollution Exclusion
"bodily injury" or "property damage" resulting applies only to liability assumed under a
from the use of reasonable force to protect contract or agreement.
persons or property.
b. With respect to the coverage afforded by
G. Family Emergency Travel Coverages Paragraph 1.a. above, Exclusion B.6.
The following is added to Paragraph A.2. Care, Custody Or Control does not apply.
Coverage Extensions of Section II – COVERED
AUTO LIABILITY COVERAGE
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Agent No. 0100152
2. Changes in SECTION V – DEFINITIONS for 3. The Aggregate Limit shown in the
the purposes of this coverage, Paragraph D. of Coverage Schedule is the most we will
the Definitions Section is replaced by the pay for the sum of all damages and
following: "covered pollution cost or expense"
D. "Covered pollution cost or expense" means involving the insurance provided by
any cost or expense arising out of: this endorsement. The Aggregate Limit
applies separately to each consecutive
1. Any request, demand, order or statutory annual period and to any remaining
or regulatory requirement that any period of less than 12 months, starting
"insured" or others test for, monitor, with the beginning of the Policy Period
clean up, remove, contain, treat, shown in the Declarations, unless the
detoxify or neutralize, or in any way Policy Period is extended after the
respond to, or assess the effects of issuance for an additional period of
"pollutants"; or less than 12 months. In that case, the
2. Any claim or "suit" by or on behalf of a additional period will be deemed part of
governmental authority for damages the last preceding period for purposes of
because of testing for, monitoring, determining the Aggregate Limit.
cleaning up, removing, containing, 4. This additional coverage does not apply
treating, detoxifying, or neutralizing, or to "autos" garaged in Vermont if
in any way responding to or assessing Vermont Changes form 19352 is
the effects of "pollutants". attached to policy.
"Covered pollution cost or expense" does J. Supplemental Payments
not include any cost or expense arising out
of the actual, alleged or threatened SECTION II – LIABILITY COVERAGE, A.
discharge, dispersal, seepage, migration, Coverage, 2. Coverage Extensions, a.
release or escape of "pollutants": Supplementary Payments is changed by:
a. Before the "pollutants" or any property in 1. Replacing the $2,000 Limits of Insurance for
which the "pollutants" are contained are bail bonds with the limits shown in the
moved from the place where they are Coverage Schedule and;
accepted by the "insured" for movement 2. Replacing the $250 Limits of Insurance for
into or onto the covered "auto"; or reasonable expenses with the limits shown in
b. After the "pollutants" or any property in the Coverage Schedule.
which the "pollutants" are contained are
moved from the covered "auto" to the SECTION 3 – PHYSICAL DAMAGE EXTENSIONS
place where they are finally delivered, AND ADDITIONAL COVERAGES
disposed of, or abandoned by the
"insured". Physical Damage Extensions and Additional
Coverages are only available for "autos" with
Paragraphs a. and b. above do not apply Comprehensive, Specified Causes of Loss, and
to "accidents" that occur away from Collision physical damage coverages. SECTION III –
premises owned by or rented to an PHYSICAL DAMAGE COVERAGE is changed as
"insured" with respect to "pollutants" not follows:
in or upon a covered "auto" if:
A. Airbag Coverage
(1) The "pollutants" or any property
in which the "pollutants" are B. Exclusions, 3.a. is changed by adding the
contained are upset, overturned, following:
or damaged as a result of the The mechanical and electrical breakdown portion
maintenance or use of a covered of this exclusion does not apply to the accidental
"auto"; and discharge of an airbag.
(2) The discharge, dispersal, seep- This coverage for airbags is excess over any other
age, migration, release or escape collectible insurance or warranty.
of the "pollutants" is caused B. Audio, Visual and Data Electronic Equipment
directly by such upset, overturn
or damage. Limits of Insurance Paragraph b. is changed by
deleting the $1,000 limit and replacing it with the
limit shown in the Coverage Schedule.
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Agent No. 0100152
C. Auto Replacement Option c. Extended Business Income
SECTION III – PHYSICAL DAMAGE If the necessary "suspension" of your
COVERAGE A.4 Coverage Extension is "operations" produces a "business income"
changed to include the following: loss payable under this endorsement, we
1. In the event of a total “loss” to a combustion will pay for the actual loss of "business
engine “auto” for which Comprehensive, income" you incur during the period that:
Specified Causes of Loss, or Collision (1) Begins on the date "business property"
coverage are provided, the Physical Damage is actually repaired or replaced and
Coverages are changed by the following: "operations" are resumed; and
a. If a combustion engine covered “auto” is (2) Ends on the earlier of:
replaced with a “hybrid auto” or an (a) The date you could restore your
“electric auto”, we will pay an additional "operations", with reasonable speed,
10% of the damaged or stolen auto’s to the level which would generate the
actual cash value or replacement cost up "business income" amount that
to the per auto limit shown in the would have existed if no direct and
Coverage Schedule., whichever is less; accidental loss or damage had
b. The damaged or stolen auto must be occurred; or
replaced and a copy of a bill of sale or (b) 60 consecutive days after the date
lease agreement must be received by us determined in Paragraph c.(1). How-
within 60 calendar days of the date of ever, Extended Business Income
“loss”; and Additional Coverage does not apply
c. If more than one auto is damaged or to loss of "business income" incurred
stolen in any one “loss”, the most we will as a result of unfavorable business
pay under this Coverage for any one conditions caused by the impact of
“loss” is shown as the per accident limit the Covered Cause of Loss in the
on the Coverage Schedule. area where "business property" is
D. Business Interruption Additional Coverage normally used. Loss of "business
income" must be caused by direct
1. Coverages and accidental loss or damage to
a. Business Income "business property" caused by or
resulting from a Covered Cause of
We will pay for the actual loss of "business
Loss.
income" you sustain due to the necessary
"suspension" of your "operations" during d. Temporary Substitute And Newly
the "period of restoration". The "sus- Acquired Property
pension" must be caused by direct and The coverage applicable to "business
accidental loss or damage to "business property" under this endorsement is
property". The direct and accidental loss or extended to apply to:
damage must be caused by or result from a
Covered Cause of Loss and must occur (1) Property that is used as a temporary
while such "business property" is located substitute for "business property", but
within the coverage territory. only while such "business property" is
out of service due to breakdown, repair,
b. Extra Expense servicing, destruction, or direct and
We will pay the actual and necessary "extra accidental loss or damage;
expense" you incur during the "period of (2) Newly acquired property, other than
restoration" due to direct and accidental temporary substitute property described
loss or damage to "business property". The in Paragraph d.(1), but only if it serves
direct and accidental loss or damage must as a replacement for "business
be caused by or result from a Covered property".
Cause of Loss and must occur while such
"business property" is located within the
coverage territory.
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Agent No. 0100152
2. Covered Causes Of Loss (c) Insurrection, rebellion, revolution,
With respects to Business Interruption usurped power, or action taken by
coverage, the following Covered Causes of governmental authority in hindering
Loss apply: or defending against any of these.
a. Comprehensive, meaning any cause of b. When direct and accidental loss or damage
direct and accidental loss or damage to "business property" is caused by or
except: results from "business property" being used
in any professional or organized racing or
(1) "Business property's" collision with demolition contest or stunting activity, or
another object; or while practicing for such contest or activity.
(2) "Business property's" overturn. We also do not provide coverage under this
endorsement while that "business property"
Comprehensive also includes direct and
is being prepared for such contest or
accidental loss or damage caused by falling
activity.
objects, missiles or hitting a bird or animal.
b. Specified Causes of Loss, meaning direct c. When direct and accidental loss or damage
and accidental loss or damage caused by: is due and confined to:
(1) Fire, lightning or explosion; (1) Wear and tear, freezing, mechanical or
electrical breakdown.
(2) Theft;
(2) Blowouts, punctures, or other road
(3) Windstorm, hail or earthquake;
damage to tires.
(4) Flood;
d. For any increase of "business income" loss
(5) Mischief or vandalism; or caused by or resulting from the suspension,
(6) The sinking, burning, collision or lapse or cancellation of any license, lease,
derailment of any conveyance or contract. But if the suspension, lapse or
transporting “business property cancellation is directly caused by the
c. Collision, meaning direct and accidental "suspension" of "operations", we will cover
loss or damage caused by: such loss that affects your "business
income" during the "period of restoration".
(1) "Business property's" collision with
another object; or e. For any "extra expense" caused by or
resulting from the suspension, lapse or
(2) "Business property's" overturn. cancellation of any license, lease, or
3. Exclusions contract beyond the "period of restoration".
We do not provide Business Interruption f. For any other consequential loss.
Coverage under this endorsement: 4. Limits of Insurance
a. When direct and accidental loss or damage a. The most we will pay in any one occurrence
is caused by or results from any of the for the total of all covered "business
following, regardless of any other cause or income" loss and "extra expense" is the
event that contributes concurrently or in any limit provided in the Coverage Schedule,
sequence to the direct and accidental loss regardless of the number of premiums paid
or damage: or claims made.
(1) Nuclear Hazard b. Payments made under Extended Business
The explosion of any weapon employing Income or Temporary Substitute And Newly
atomic fission or fusion; or Nuclear Acquired Property will not increase the
reaction or radiation, or radioactive applicable Limits of Insurance.
contamination, however caused.
(2) War Or Military Action
(a) War, including undeclared or civil
war;
(b) Warlike action by a military force,
including action in hindering or
defending against an actual or
expected attack, by any government,
sovereign or other authority using
military personnel or other agents; or
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Agent No. 0100152
5. Changes In Conditions (5) As often as may be reasonably required,
With respect to the coverage provided by this permit us to inspect "business property"
endorsement, the following conditions are and examine and make copies of your
added and replace any provisions to the books and records.
contrary: (6) Agree to examinations under oath at our
a. Appraisal request and give us a signed statement
of your answers.
If we and you disagree on the amount of
Net Income and operating expense or the (7) Send us a signed, sworn proof of loss
amount of loss, either may make written containing the information we request to
demand for an appraisal. In this event, each investigate the claim. You must do this
party will select a competent and impartial within 60 days after our request. We will
appraiser. The two appraisers will select an supply you with the necessary forms.
umpire. If they cannot agree, either may (8) Cooperate with us in the investigation or
request that selection be made by a settlement of the claim.
judge of a court having jurisdiction. The (9) If you intend to continue your business,
appraisers will state separately the amount you must resume all or part of your
of Net Income and operating expense or "operations" as quickly as possible.
amount of loss. If they fail to agree, they will
submit their differences to the umpire. A c. Other Insurance
decision agreed to by any two will be (1) You may have other insurance subject
binding. to the same plan, terms, conditions, and
Each party will: provisions as the insurance provided
under this endorsement. If you do, we
(1) Pay its chosen appraiser; and will pay our share of the covered
(2) Bear the other expenses of the "business income" loss or "extra
appraisal and umpire equally. expense". Our share is the proportion
that the applicable Limits of Insurance
If there is an appraisal, we will still retain under this endorsement bears to the
our right to deny the claim. Limits of Insurance of all insurance
covering on the same basis.
b. Duties In The Event Of Loss
(2) If there is other insurance covering the
If there is direct and accidental loss or same "business income" loss or "extra
damage to "business property", you must expense", other than that described in
do the following: Paragraph 6.a. above, we will pay only
for the amount of covered "business
(1) Give us or our authorized representative income" loss or "extra expense" in
prompt notice of such loss or damage. excess of the amount due from that
Include a description of the "business other insurance, whether you can collect
property" involved. on it or not. But we will not pay more
(2) As soon as possible, give us or our than the applicable Limits of Insurance.
authorized representative a description d. Loss Determination
of how, when and where such loss or
damage occurred. (1) The amount of "business income" loss
will be determined based on:
(3) Promptly notify the police if "business
property" or any of its equipment is (a) The Net Income of your "operations"
stolen. before the direct and accidental loss
or damage occurred;
(4) Take all reasonable steps to protect
"business property" from further damage
and keep a record of your expenses
necessary to protect "business proper-
ty", for consideration in the settlement of
the claim. Also, if feasible, set such
property aside and in the best possible
order for examination.
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(b) The likely Net Income of your (2) We will reduce the amount of your "extra
"operations" if no direct and expense" loss to the extent you can
accidental loss or damage had return "operations" to normal and
occurred, but not including any Net discontinue such "extra expense".
Income that would likely have been (3) If you do not resume "operations", or do
earned as a result of an increase in not resume "operations" as quickly as
the volume of your "operations" due possible, we will pay based on the
to favorable business conditions length of time it would have taken to
caused by the impact of the Covered resume "operations" as quickly as
Cause of Loss on customers or on possible.
other businesses;
f. Loss Payment
(c) The operating expenses, including
payroll expenses, necessary to We will pay for covered "business income"
resume "operations" with the same loss or "extra expense" within 30 days after
quality of service that existed just we receive the sworn documentation
before the direct and accidental loss addressed in Paragraph b.(7) if you have
or damage; and complied with all of the terms of this
Coverage Part and:
(d) Other relevant sources of infor-
mation, including: (1) We have reached agreement with you
on the amount of such loss; or
(i) Your financial records and
accounting procedures; (2) An appraisal award has been made.
(ii) Bills, invoices, and other 6. Additional Definitions
vouchers; and As used for Business Interruption Coverage
(iii) Titles, liens, or contracts. the following definitions are added:
(2) The amount of "extra expense" will be a. "Business income" means the:
determined based on: (1) Net Income (Net Profit or Loss before
(a) All expenses that exceed the normal income taxes) that would have been
operating expenses that would have earned or incurred; and
been incurred by "operations" during (2) Continuing normal operating expenses
the "period of restoration" if no direct incurred, including payroll.
and accidental loss or damage had b. "Business property" means any property
occurred. We will deduct from the necessary for your mobile business that is
total of such expenses: in or on a covered "auto" regardless if it is
(i) The salvage value that permanently installed, including:
remains of any property bought for (1) Electronic equipment;
temporary use during the "period of
restoration", once "operations" are (2) Supplies, furnishings, and equipment
resumed; and not permanently attached to covered
"auto".
(ii) Any "extra expense" that is
paid for by other insurance, except c. "Extra expense" means necessary expens-
for insurance that is written subject to es (other than the expense to repair or
the same plan, terms, conditions, replace property) that you would not have
and provisions as the coverage incurred if there had been no direct and
provided by this endorsement; and accidental loss or damage to "business
property". "Extra expense" includes ex-
(iii) Necessary expenses that penses which are incurred:
reduce the "business income" loss
that otherwise would have been (1) To avoid or minimize the "suspension"
incurred. of "operations" and to continue "opera-
tions";
e. Resumption Of Operations
(2) To minimize the "suspension" if you
(1) We will reduce the amount of your cannot continue "operations"; or
"business income" loss, other than
"extra expense", to the extent you can (3) For temporary use of other property.
resume "operations", in whole or in part, d. "Operations" means your off premises or
by using any property. mobile business activities that are
dependent on "business property".
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e. "Period of restoration" means the period of F. Deductible Waived – Collision Of Parked Auto
time that: SECTION III – PHYSICAL DAMAGE COVER-
(1) Begins 72 hours after the time of direct AGE, Paragraph D. Deductible is changed by
and accidental loss or damage for adding the following:
Business Income Coverage, or The deductible does not apply to "loss" caused by
immediately after the time of direct and collision to such covered "auto" while it is:
accidental loss or damage for Extra
Expense Coverage; caused by or 1. In the charge of an "insured";
resulting from a Covered Cause of Loss 2. Legally parked; and
to "business property"; and 3. Unoccupied.
(2) Ends on the earlier of: The total amount of the damage to the covered
(a) The date when "business property" "auto" must exceed the deductible shown in the
should be repaired or replaced with Declarations or Change Endorsement.
reasonable speed and similar quality; This provision does not apply to any "loss" if the
or covered "auto" is in the charge of any person or
(b) The date when "operations" are organization engaged in the automobile business.
resumed. G. Deductible Waived – Glass
"Period of restoration" does not include any SECTION III – PHYSICAL DAMAGE COVER-
increased period required due to the AGE, Paragraph D. Deductible is changed by
enforcement of or compliance with any adding the following:
ordinance or law that: Regulates the use or
repair of any property, or requires updated No deductible applies to glass damage, including
emissions controls or safety features which repair or replacement.
were not part of "business property" prior to H. Fire Department Service Charge
the direct and accidental loss or damage; or
When the fire department is called to save or
requires anyone to test for, monitor, clean
protect a covered "auto" its equipment, contents,
up, remove, contain, treat, detoxify or
or occupants from a covered "accident", we will
neutralize, or in any way respond to, or
pay the amount stated in the Coverage Schedule
assess the effects of "pollutants". The
for your liability for fire department service
expiration date of this Policy will not cut
charges:
short the "period of restoration".
1. Assumed by contract or agreement prior to
f. "Suspension" means the slowdown or
loss; or
cessation of your "operations".
2. Required by local ordinance.
E. Deductible Waived – Multiple Policies With Us
For Same Named Insured No deductible applies to this additional coverage.
SECTION III – PHYSICAL DAMAGE COVER- I. Fire Extinguisher Recharge
AGE, Paragraph D.2. is deleted and replaced with We will pay the actual cost of recharging or
the following: replacing, whichever is less, fire extinguishers kept
2. Regardless of the number of covered "autos" in your covered "auto" that are intentionally
damaged or stolen, the maximum deductible discharged in an attempt to extinguish a fire.
applicable for all "loss", in any one event J. Hired Auto Loss Of Use
caused by:
Changes in SECTION III – PHYSICAL DAMAGE
a. Theft or mischief or vandalism; or COVERAGE, Coverage Extension for Loss Of
b. All perils, Use Expenses in Paragraph A.4.b. is deleted and
replaced by the following:
will be the highest deductible applicable to
those covered "autos". For Hired Auto Physical Damage we will pay
expenses for which an "insured" becomes legally
If the application of the highest deductible is
responsible to pay for loss of use of a vehicle
less favorable or more restrictive to the insured
rented or hired without a driver under a written
than the separate deductibles as applied in the
rental contract or agreement. We will pay for the
standard form, the standard deductibles will
loss of use expenses if caused by:
apply.
(1) Other than collision only if the Declarations
indicates that Comprehensive Coverage is
provided for any covered "auto";
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(2) Specified Causes Of Loss only if the 4. Subject to the limit, deductible, and excess
Declarations indicates that Specified Causes provisions we will provide coverage equal to
Of Loss Coverage is provided for any covered the broadest coverage applicable to any
"auto" or covered "auto" you own under this policy.
(3) Collision only if the Declarations indicates that M. Loan/Lease Gap Coverage
Collision Coverage is provided for any covered SECTION III – PHYSICAL DAMAGE COVERAGE
"auto". C. Limits of Insurance is changed by the addition
However, the most we will pay under this of the following:
coverage is the amount shown in the Coverage In the event of a total "loss" to a covered "auto", of
Schedule. the private passenger or light truck type with an
K. Hired Auto Physical Damage – Employee As original loan or lease:
Lessor 1. We will pay any unpaid amount due on the
Changes in General Conditions lease or loan for a covered "auto" less:
Section IV – Business Auto Conditions, 5. a. The amount paid under the Policy’s
Other Insurance, b. is deleted and replaced by Physical Damage Coverage; and
the following; b. Any:
b. For Hired Auto Physical Damage Coverage the (1) Overdue lease or loan payments at the
following are deemed to be covered "autos" time of the "loss";
you own:
(2) Financial penalties imposed under the
(1) Any covered "auto" you lease, hire, rent or lease due to high mileage, excessive
borrow; and use or abnormal wear and tear;
(2) Any covered "auto" hired or rented by your (3) Security deposits, not returned by the
"employee" under a contract in that lessor;
"employee’s" name with your permission,
while performing duties related to the (4) Costs for extended warranties, Credit
conduct of your business. Life Insurance, Health, Accident or
Disability Insurance purchased with the
However, any "auto" that is leased, hired, loan or lease; and
rented, or borrowed with a driver is not a
covered "auto". (5) Carry-over balances from previous
loans or leases.
L. Hired Auto Physical Damage Including Trailers
2. The Other Insurance Condition is changed
If hired "autos" are covered "autos" for Liability for this coverage to add the following:
Coverage, then Comprehensive, Specified Causes
of Loss, and Collision Physical Damage coverages The insurance provided by this Loan/Lease
are provided under SECTION III – PHYSICAL Gap Coverage is excess over any other
DAMAGE COVERAGE for any "auto" you own, collectible insurance including but not limited to
then Physical Damage coverage provided is any coverage provided by or purchased from
extended to "autos" you hire or certain "trailers" the lessor or any financial institution.
with a registered Gross Vehicle Weight of 5,000 N. Lock Replacement Including Emergency Lock
pounds or less designed primarily for travel on Out
public roads, subject to the following: We will reimburse you up to the limit displayed on
1. The most we will pay for "loss" to certain hired the Coverage Schedule for reasonable expense
"trailer" or hired "auto" is the limit displayed on incurred for the services of a locksmith to enter
the Coverage Schedule, or Actual Cash Value your covered "auto" subject to these provisions:
or Cost of Repair, whichever is smallest. 1. Your door key, electronic key or key entry pad
2. The deductible will be equal to the largest has been lost, stolen, or locked in your covered
deductible applicable to any owned "auto" for "auto" and you are unable to enter such "auto",
that coverage or $1,000, whichever is less. or
Deductible does not apply to loss by fire or 2. Your keyless entry device battery dies, and you
lightning. are unable to enter such "auto" as a result, or
3. Hired Auto Physical Damage coverage is 3. Your key, electronic key or key entry pad has
excess over any other collectible insurance been lost or stolen and you have changed the
purchased by the insured. lock to prevent an unauthorized entry.
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Agent No. 0100152
Original copies of receipts for services from a 1. In the event of a total "loss" to a covered "auto"
locksmith must be provided before reimbursement you own of the private passenger type we will
is payable. pay to replace such covered "auto", minus any
O. Personal Property Coverages applicable deductible shown in the
Declarations, if:
Personal Effects
a. Comprehensive, Specified Causes of Loss,
Personal Property Of Others
and Collision coverages are provided for
Personal Property Used In Your Business that "auto" at the time of "loss";
Under SECTION III – PHYSICAL DAMAGE b. The total "loss" occurs within the number of
COVERAGE – Coverage Extensions, Paragraph months shown on the Coverage Schedule
A.4. the following is added: after you become the original owner of that
1. We will extend the Comprehensive, Specified "auto" and
Causes of Loss, and Collision coverages that c. The mileage shown on the odometer of that
apply to a covered "auto" to "loss" of personal "auto" at the time of the "loss" is less than
property contained in or on a covered "auto". the number of miles shown on the
This coverage extension is subject to the Coverage Schedule.
following:
2. The following is added to Paragraph C. Limits
a. Covered property is personal property of Insurance:
owned by you, personal property owned by
others, and personal property used in your a. The most we will pay will be the amount to
business. replace a covered "auto" of the private
passenger type for the same make, model,
b. Comprehensive and Specified Causes of trim level, and equipment or an equivalent.
Loss coverages are extended only for "loss"
because of fire, lightning, theft or attempted If a new vehicle with the same make,
theft, if there are visible signs of someone model, trim level and equipment or an
breaking into the covered "auto". However, equivalent is not available, our limit of
visible signs of someone breaking into the liability will be the amount to replace the
covered "auto" are not a requirement when covered "auto" with a new vehicle that is:
the entire vehicle is stolen. (1) Similar in class, body type, size, and
2. This coverage extension does not apply to: equipment; and
a. Property that is covered by Audio, Visual (2) Similar in price to the price you paid for
and Electronic Data Equipment provided in the covered "auto" that is being replaced
SECTION 3 – PHYSICAL DAMAGE but not to exceed an amount equal to
EXTENSIONS AND ADDITIONAL COV- 110% of the Manufacturer’s Suggested
ERAGES Paragraph B. or any other Retail Price (MSRP) of the covered
communication or electronic data devices; "auto" being replaced.
b. Money or jewelry; and b. No one will be entitled to receive duplicate
payments for the same elements of "loss"
c. Property specifically insured. under this endorsement and SECTION III –
3. The most we will pay for "loss" in any one PHYSICAL DAMAGE COVERAGE.
"accident" is the least of: Q. Replacement Costs – Trucks Up To 20,000
a. The actual cash value of the damaged or GVW
stolen property as of the time of the "loss". Under SECTION III – PHYSICAL DAMAGE
b. The cost of repairing or replacing the COVERAGE, Paragraph A. Coverage the
damaged or stolen property with other following is added:
property of like kind and quality; or
1. In the event of a total "loss" to a covered "auto"
c. The limit displayed on the Coverage you own of the truck type with a Gross Vehicle
Schedule. Weight less than 20,000 pounds, we will pay to
P. Replacement Cost – Private Passenger Autos replace such covered "auto", minus any
applicable deductible shown in the
Under SECTION III – PHYSICAL DAMAGE Declarations, if:
COVERAGE, Paragraph A. Coverage the
following is added: a. Comprehensive, Specified Causes of Loss,
and Collision coverages are provided for
that "auto" at the time of "loss";
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Agent No. 0100152
b. The total "loss" occurs within number of 3. If the temporary transportation expenses you
months shown on the Coverage Schedule incur arise from your rental of an "auto" of the
after you become the original owner of that private passenger or light truck type, the most
"auto" and we will pay is the amount it costs to rent an
c. The mileage shown on the odometer of that "auto" of the private passenger or light truck
"auto" at the time of the "loss" is less than type which is of like kind and quality as the
the number of miles shown on the covered "auto" subject to the maximum limit on
Coverage Schedule. the Coverage Schedule.
2. The following is added to Paragraph C. Limits 4. A per day limit and deductible do not apply to
of Insurance: this coverage.
a. The most we will pay will be the amount to S. Towing And Labor
replace a covered "auto" of the truck type SECTION III – PHYSICAL DAMAGE
with a Gross Vehicle Weight of less than COVERAGE, Paragraph A.2. is deleted and
20,000 pounds for the same make, model, replaced by the following:
trim level, and equipment or an equivalent. 1. We will pay for towing and labor cost incurred
If a new truck with the same make, model, subject to the following:
trim level and equipment or an equivalent is a. Up to the limit shown on the Coverage
not available, our limit of liability will be the Schedule each time a covered "auto" of the
amount to replace the covered "auto" with a private passenger type is disabled; or
new vehicle that is:
b. Up to the limit shown on the Coverage
(1) Similar in class, body type, size, and Schedule each time a covered "auto" other
equipment; and than private passenger type is disabled.
(2) Similar in price to the price you paid for 2. The labor must be performed at the place of
the covered "auto" that is being replaced disablement.
but not to exceed an amount equal to
110% of the Manufacturer’s Suggested 3. This coverage extension is in addition to any
Retail Price (MSRP) of the covered limit shown on the Declarations for Towing and
"auto" being replaced. Labor.
b. No one will be entitled to receive duplicate T. Vehicle Sign and Wrap Coverage
payments for the same elements of "loss" SECTION III – PHYSICAL DAMAGE COVERAGE
under this endorsement and SECTION III – Paragraph 4. is changed to add the following:
PHYSICAL DAMAGE COVERAGE. 1. We will pay with respect to a covered "auto" for
R. Transportation Expense Extension (Including "loss" to automobile customization which
Rental Reimbursement) includes special carpeting and insulation,
SECTION III – PHYSICAL DAMAGE COV- height - extended roofs and custom murals,
ERAGE, Paragraph A.4.a. Transportation paintings, vinyl wraps or other details or
Expenses is deleted and replaced with the graphics.
following: 2. Our limit of liability for "loss" to automobile
1. We will pay for transportation expense incurred customizations in any one "accident" will be
by you because of a "loss" of a covered "auto" valued at replacement cost minus the actual
of the private passenger, light truck type, or cash value up to an additional $2,000.
medium truck type. We will pay only for those This Coverage Extension does not apply to
covered "autos" for which you carry electronic equipment.
Comprehensive, Specified Causes of Loss,
and Collision coverages.
2. We will pay for transportation expenses SECTION 4 – CHANGES IN CONDITIONS
incurred during the period beginning 24 hours A. Changed Duties In The Event Of Accident,
after the covered "loss" and ending, regardless Occurrence, Claim Or Suit
of the Policy’s expiration, when the covered
The requirement in SECTION IV – BUSINESS
"auto" is returned to use or we pay for its
AUTO LOSS CONDITIONS Paragraph A.2.a. –
"loss".
DUTIES IN THE EVENT OF ACCIDENT, CLAIM,
SUIT OR LOSS – of SECTION IV – BUSINESS
AUTO CONDITIONS that you must notify us of an
"accident" applies only when the "accident" is
known to:
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Agent No. 0100152
1. You, if you are an individual;
2. A partner, if you are a partnership; or
3. An executive officer or insurance manager, if
you are a corporation.
B. Liberalization
If we revise this endorsement 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
your state.
C. Unintentional Failure To Disclose Hazards /
Concealment Misrepresentation Or Fraud
SECTION IV – BUSINESS AUTO CONDITIONS,
Paragraph B.2. is changed to add the following:
However, if you should unintentionally mispresent
or conceal information to us at any time, we will
not deny coverage under this policy based on this
unintentional error or omission.
This provision does not affect our right to cancel or
non-renew your coverage or collect additional
premium for any added exposures.
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