1 Sterling Education Seminar Business Liability Insurance Alexandrea L. Isaac Hartford, CT Sept. 20, 2011
2 Various Types: Commercial Property Owner s Liability Policy Products Liability Policy Commercial General Liability (CGL) Policy
3 Business liabilities are commonly dealt with by a CGL Endorsements are added to a CGL to match the insured s risk Typical for Owners, Landlords and Contractors
4 Commercial Property Policy Insurance Requirements specified by Lease: At all times during the term, landlord will carry and maintain commercial property insurance covering the building, fixtures, equipment, tenant improvements and betterments which shall, at minimum, cover the perils insured under the ISO [insert with a particular form]
5 Commercial Property Policy Would contain commercial property coverage form for 1 st party losses (see handout example) Liability would be addressed by a CGL form
6 Products Liability Coverage Coverage for You Products/Completed Operations Liability Coverage Form (see handout) Coverage for Others such as supplies by endorsement (see handout)
7 Product Recall Excluded under a standard CGL policy Separate Product Withdrawal Coverage From by ISO (see handout)
8 The Standard CGL Policy ISO Form (see handout)
9 A CGL Policy is Litigation Insurance Policy Declarations Limits of Insurance Notice Duty to Indemnify Duty to Defend Bodily Injury/Property Damage Occurrence Trigger Exclusions Allocation
10 Policy Declarations Policy number Named insured Policy period Limits of insurance Premium List of endorsements
11 Limits of Insurance Aggregate v. per occurrence Defense inside/outside limits Deductible v. self-insured retention
12 Deductible v. SIR Deductible Paid and reimbursed Defense from first dollar SIR Policyholder s responsibility No defense Choice of counsel
13 Notice to Insurer Notice of claim/suit Forward complaint Notify the insurer Broker
14 Late Notice Prejudice v. forfeiture Denial of defense and indemnity Waiver by insurer Loss of pre-tender defense fees
15 General Principles of Insurance Policy Interpretation Burden of proof insuring agreement v. exclusions Exclusions Construed narrowly, must be clear Exceptions constructed broadly Interpretation against the drafter ( contra proferentum )
16 Insuring Agreement Duty to Indemnify Based on known or established facts We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage...[that] occurs during the policy period.
17 Insuring Agreement Bodily Injury Bodily injury means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time.
18 Insuring Agreement Property Damage Property damage means: (a) Physical injury to tangible property, including all resulting loss of use of that property or (b) Loss of use of tangible property that is not physically injured.
19 Duty to Defend Broader than duty to indemnify Insurer must defend if complaint alleges facts potentially within policy s coverage Consequences for breach We will have the right and duty to defend any suit seeking those damages.
20 A standard CGL policy will also provide for Personal and Advertising Injury
21 Personal and Advertising Injury Personal and Advertising injury means injury (including consequential BI) arising out of: False arrest, detention, imprisonment Malicious prosecution Slander/libel Privacy violations Copyright (etc.) infringement
22 The Occurrence requirement
23 Insuring Agreement Occurrence Accident is undefined Includes unintended consequences of intentional act Occurrence means an accident, including continuous or repeated exposure to substantially the same general harmful conditions.
24 Occurrence/Trigger Occurrence based CGL Policies Requires PD/BI during the policy period
25 Occurrence/Trigger When is trigger an issue Continuing damages or repeated damages from same causative event Asbestos bodily injury and other toxic torts Environmental property damage Construction defect property damage
26 Occurrence/Trigger (cont.) Effect Limits of Liability Possibility of stacking multiple policies from consecutive years Deductible/SIRs Allocation to multiple policies may require all deductibles
29 DEFECTIVE CONSTRUCTION AS AN OCCURRENCE Highest Court has found defective construction to be an occurrence (or by state statute). Tending towards coverage; only lower state court or federal court authority exists. Highest Court has found defective construction not to be an occurrence. Tending against coverage; only lower state court or federal court authority exists. Defective construction only an occurrence when there is damage to third-party property. Unclear, cases/legislation conflict. No decision
30 Policy Exclusion
31 Expected or Intended Injury Pollution Exclusion War Contractual Liability Worker s Compensation Claims Employers Liability Personal and Advertising Injury Typical CGL Exclusions Damage to Specified Property Damage to Your Product Damage to Your Work Recall of Products or Work Damage to Impaired Property or Property not Physically Injured Professional Services
32 Environmental Coverage Specific Exclusions Asbestos Silica Mold/Fungi Lead-based paint
34 Environmental Coverage (cont.) Qualified Pollution Exclusion This insurance does not apply: (f) to bodily injury or property damage arising out of the discharge, dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, liquids or gases, waste materials or other irritants, contaminants or pollutants into or upon land, the atmosphere or any water course or body of water; but this exclusion does not apply if such discharge, dispersal, release or escape is sudden and accidental.
35 Environmental Coverage (cont.) Absolute Pollution Exclusion This insurance does not apply: f.(1) Bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, release or escape of pollutants: (a) At or from premises you own, rent or occupy; (b) At or from any site or location used by or for you or others for the handling, storage, disposal, processing or treatment of waste; (c) Which are at any time transported, handled, stored, treated, disposed of, or processed as waste by or for you or any person or organization for whom you may be legally responsible; or
36 Environmental Coverage (cont.) Absolute Pollution Exclusion (cont.) (d) At or from any site or location on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations: (i) if the pollutants are brought on or to the site or location in connection with such operations; or (ii) if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize the pollutants. (2) Any loss, cost, or expense arising out of any governmental direction or request that you test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants.
37 Environmental Coverage (cont.) Absolute Pollution Exclusion (cont.) Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemical and waste. Waste includes materials to be recycled, reconditioned or reclaimed.
38 Environmental Coverage (cont.) Total Pollution Exclusion
39 The Total Pollution Exclusion eliminates virtually all coverage for pollution incidents: This insurance does not apply to: f. Pollution (1) Bodily injury or property damage which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.
40 To the extent that you have a pollution risk Pollution Liability Policy
41 Damages is not a defined term in the standard CGL coverage form. Are punitive damages insurable?
42 Are punitive damages insurable? Is there an endorsement on the policy? Is there a state statute that addresses the issue? Is there case law that addresses the issue?
43 Where exemplary damages are awarded for purposes of punishment and deterrence, as is true in this state, public policy should require that payment rest ultimately as well as nominally on the party who committed the wrong; otherwise they would often serve no useful purpose. The objective to be obtained in imposing punitive damages is to make the culprit feel the pecuniary punch, not his guiltless guarantor. Hartford Acc. & Indem. Co. v. Amer. Red Ball Transit Co. Inc., 938 P.2d 1281, 1286 (Kan. 1997).
44 Coverage for punitive damages as well as policy interpretation is critical to every coverage action. Choice of law analysis is prior to filing all coverage actions.
45 Thank You! Alexandrea L. Isaac Saxe Doernberger & Vita, P.C.
Sterling Education Seminar Liability Insurance: How Insurance is Written and Why You Need to Know Alexandrea L. Isaac Hartford, CT Sept. 20, 2011 The Insurance Contract Contract between the insurance company
Christine K. Noma Wendel, Rosen, Black & Dean LLP March 2014 You just discovered that the commercial or industrial property that you own is polluted. This discovery may have occurred during the negotiations
Policy Wording Directors and Officers Liability and Company Reimbursement Issued to Eligible Emergency Resource Providers by VMIA For the period date 30 June 2014 to 30 June 2015 Contents Directors and
MOLD CLAIMS: A BASIC FRAMEWORK FOR FINDING COVERAGE UNDER COMMERCIAL PROPERTY AND GENERAL LIABILITY POLICIES, by Whitney E. Stein, Copyright 2001 Insurance Law Group, Inc. The presence of mold at toxic
Required Insurance Language for PRF Construction Contracts When working with legal counsel to affect a construction contract for new construction or for build-outs the Purdue Risk Management Department
ADVISORY NOTICE TO POLICYHOLDERS COVERAGE RESTRICTIONS, NEUTRAL CHANGES AND COVERAGE ENHANCEMENTS This notice has been prepared in conjunction with the implementation of changes to your policy. It contains
ML-9 Ed. 1/87 LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES Coverage L-Personal Liability We pay, up to our limit of liability, all sums for which any insured is legally
POLICY NUMBER: COMMERCIAL AUTO CA 25 34 12 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. "Insurance Services Office, Inc. Copyright" This form has been promulgated by the Virginia State
This Form Provides Claims-Made Coverage. Please Read The Entire Form Completely. MISCELLANEOUS PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS MADE AND REPORTED BASIS Throughout this document, the word Insured
The Texas A&M University System Auto Liability Plan Page 1 Tuesday, September 28, 2010 Table of Contents I. Automobile Liability...3 II. III. IV. Rental Vehicles.4 Personal Autos..4 Plan Exclusions.4 V.
Covenants to Insure in Commercial Agreements A Review of the CGL Policy In House Training Seminar Presented by Satinder K. Sidhu March 8, 2013 Introduction & Overview Examples of Covenants to Insure in
6 Commercial General Liability Insurance I. Overview 6.1 Mark D. Willmarth Deborah A. Hebert II. What Is a CGL Policy? A. Scope of a CGL Policy 6.2 B. Parts of a CGL Policy 6.3 III. The CGL Insuring Agreements
EXHIBIT D Insurance Requirements A. Prior to commencement of the Work, Sub-Subcontractor will at its sole cost secure/procure, pay for and maintain in full force and effect, at all times during the performance
LMCIT Service Contract Insurance Recommendations The type and amount of insurance should be determined on a case-by case basis dependent upon various factors such as the scope of work and the potential
Policy Number: RLI Insurance Company Peoria, Illinois 61615 A Stock Insurance Company Personal Umbrella Liability Policy STATE OF NEW YORK AMENDATORY ENDORSEMENT In accordance with the laws and regulations
Garage Liability Policy 8 0 0. 8 3 3. 3 4 2 7 w w w. c o n s t i t u t i o n a l. c o m GARAGE LIABILITY COVERAGE FORM TC-11 QUICK REFERENCE (Ed. 01-06) DECLARATIONS PAGE Name of Insurance Company Policy
This Form Provides Claims-Made Coverage. Please Read The Entire Form Completely. MISCELLANEOUS PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS MADE BASIS Throughout this document, the word Insured means any
FEDERAL EMPLOYEE PROFESSIONAL LIABILITY INSURANCE POLICY CERTIFICATE (CLAIMS MADE & REPORTED) This Policy covers Claims first made against you and reported to us in writing during the Policy Period. Certain
Commercial General Liability-Coverage A John Dismukes January 29, 2014 3 Property & Casualty Continuing Education Credits 2013 ISO COMMERCIAL GENERAL LIABILITY Coverage A John M. Dismukes, Jr., CIC, CPCU,
Caunce O Hara & Company Ltd Tel: 0161 833 2100 Fax: 0161 839 2100 General Liability Policy For Recruitment Agencies Definitions Underwriters have set out below definitions of certain words or phrases that
ATTACHMENT A.6 INSURANCE REQUIREMENTS ROUTINE CONSTRUCTION, MAINTENANCE AND REPAIR PROJECTS Contractor shall obtain insurance of the types and in the amounts listed below. A. COMMERCIAL GENERAL AND UMBRELLA
Page 1 of 6 RESIDENT LIABILITY COVERAGE POLICY As part of a rental agreement, your your lease requirement. landlord may require you to carry liability coverage. This policy satisfies Definitions We, Us,
Mutual of Enumclaw Insurance Company Personal Umbrella Liability Policy Home Office: 1460 Wells Street, Enumclaw, Washington 98022 (a mutual insurance company, herein referred to as the Company.) Ready
PREMISES LIABILITY INSURANCE INTRODUCTION We encourage you to read the entire policy. Words in bold print, other than titles and headings, have the meaning given them in the DEFINITIONS section. REPRESENTATIONS
HEALTHCARE PROVIDERS WORKPLACE LIABILITY COVERAGE PART OCCURRENCE THIS IS AN OCCURRENCE COVERAGE PART AND, SUBJECT TO ITS PROVISIONS, APPLIES ONLY TO ANY CLAIM WHICH IS THE RESULT OF INJURY OR DAMAGE THAT
Commercial General Liability Insurance (Lecture 9) I. Policy structure Overview of Lecture 9 (chapters 3 and 4 CPCU 4) II. Coverages A. Coverage A: BI and PD liability B. Coverage B: Personal injury and
BrokerEdge SM Securities Brokerage Executive and Professional Liability Policy Professional Liability Coverage Part Executive Risk Indemnity Inc. Home Office: 2711 Centerville Road, Suite 400 Wilmington,
Proudly presents CGL 101 - Understanding Commercial General Liability Policy Maurice Audet, Senior Vice President Aon Reed Stenhouse Inc. email@example.com Tom Ozere, Partner Borden Ladner Gervais LLP
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY
1. MONTANA RAIL LINK AND BNSF RAILWAY COMPANY INSURANCE REQUIREMENTS Indemnify, defend and hold harmless Montana Rail Link (MRL), BNSF Railway Company (BNSF) and any other railroad company, occupying or
ML-10 Ed. 1/87 LIABILITY COVERAGE SECTION-FARM DEFINITIONS-The following additional definitions apply to the Liability Coverage Section. 1. Farming means the ownership, maintenance or use of premises for
PERSONAL LIABILITY INSURANCE POLICY INTRODUCTION Words or phrases which appear in bold type, except for titles and headings, are defined in the DEFINITIONS section of this policy. We encourage you to read
ERRORS AND OMISSIONS COVERAGE FORM Various provisions in this Coverage Part restrict coverage. Read the entire Coverage Part carefully to determine rights, duties, and what is and is not covered. Throughout
INSURANCE REQUIREMENTS (A) This insert applies to the following State Contracts: General Conditions of the Construction Contract Design/Bid/Build (SC-6.23), or Contractors Agreement Design/Bid/Build (SC-6.21),
PUBLIC LIABILITY INSURANCE This Policy does not provide insurance for Products or goods supplied in the course of the Insured s principal business activity. RoyalStar Assurance Ltd. P. O. Box N-4391 P.
LOCAL GOVERNMENT SELF-INSURANCE COVERAGE DOCUMENT 15/17 BIENNIUM PROVIDED BY STATE OF OREGON DEPARTMENT OF ADMINISTRATIVE SERVICES GOODS & SERVICES, RISK MANAGEMENT PAGE 1 OF 13 TABLE OF CONTENTS Liability
Notice: This insurance coverage is provided on a claims-made basis. Coverage is limited to liability for injuries for which claims are first made against the insured while the insurance is in force. Please
INVESTMENT FUND MANAGEMENT AND PROFESSIONAL LIABILITY COVERAGE PART THIS IS A CLAIMS MADE COVERAGE PART WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY.
COVERAGES A AND B PROVIDE CLAIMS-MADE COVERAGE PLEASE READ THE ENTIRE FORM CAREFULLY COMMERCIAL GENERAL LIABILITY CG 00 02 12 04 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy
SOLICITORS EXCESS PROFESSIONAL INDEMNITY INSURANCE POLICY DECLARATIONS Policy Number: Chubb Insurance Company of Europe SE (herein called the Company ) Item 1. Policyholder: Address Item 2. Limit of Liability:
Law Enforcement Liability Policy Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy
MANAGEMENT AND COMPANY LIABILITY COVERAGE PART THIS COVERAGE PART PROVIDES CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY. In
CHANGE HIGHLIGHTS COMMERCIAL GENERAL LIABILITY POLICY IBC 2100 COMPARISON BETWEEN 2000-2010 FORMS (Refer to Policies for details) CHG. # PAGE # IN NEW CHANGE MODE 1 General All Exclusions now contain descriptive
AAPA Port Administration & Legal Issues Seminar Insurance Issues Surrounding Construction Contracts Andy Michels, Port of Tacoma Janet Quimby,, Port of Tacoma Debbie Bovee, Aon Risk Services, Inc. of Washington
The terms and conditions and the Entertainment Policy Jacket and the following terms and conditions all apply to this Coverage Section. I. WHAT IS COVERED Bodily Injury and Property Damage Personal Injury
Recommended Liability Insurance Guidelines For Custom Applicators and Certified Crop Advisors May 2015 Disclaimer: The following is a draft of suggested language for incorporation into services procurement
COMMERCIAL GENERAL LIABILITY AND POLLUTION LEGAL LIABILITY COVERAGE FORM COVERAGE D PROVIDES CLAIMS MADE AND REPORTED COVERAGE, AND HAS REPORTING REQUIREMENTS DIFFERENT FROM THOSE FOR COVERAGES A, B AND
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY BROADENING ENDORSEMENT This endorsement modifies the insurance provided under the following: COMMERCIAL GENERAL LIABILITY
ISSUED BY THE STOCK INSURANCE COMPANY HEREIN CALLED THE COMPANY NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. 13072 INCORPORATED UNDER THE LAWS OF PENNSYLVANIA Member Companies of American International
MISCELLANEOUS PROFESSIONAL LIABILITY ERRORS AND OMISSIONS INSURANCE TABLE OF CONTENTS A. DEFINITIONS... 1 B. WHAT IS COVERED... 2 C. SUPPLEMENTARY PAYMENTS... 3 D. DEFENSE AND SETTLEMENT... 3 E. LIMITS
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIABILITY COVERAGE ENHANCEMENT General Liability Fire and Water Legal Liability Personal Liability This endorsement modifies the insurance
Appeal: 10-1082 Doc: 36 Filed: 01/11/2011 Pg: 1 of 6 UNPUBLISHED UNITED STATES COURT OF APPEALS FOR THE FOURTH CIRCUIT No. 10-1082 NGM INSURANCE COMPANY, f/k/a National Grange Mutual Insurance Company,
AAIS -- THIS IS A LEGAL CONTRACT -- PLEASE READ IT CAREFULLY GL-1 Ed 1.0 PERSONAL LIABILITY COVERAGE TABLE OF CONTENTS Agreement...1 Definitions...2 Principal Personal Liability Coverages Coverage L --
Policy No. GL 957-51-60 CG DS 01 10 01 Renewal of No. GL 726-69-30 Coverage is provided by National Union Fire Insurance Company of Pittsburgh, PA. (a capital stock company) 175 Water Street, New York,
MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE COVERAGE FORM THIS IS A CLAIMS MADE POLICY WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY. In consideration
CARRIER AND COURIER LIABILITY INSURANCE POLICY WHEREAS the Insured named in the schedule here to carrying or the business of Common Carriers and none other for the purpose of this insurance has by a proposal
Schedule 15A: Insurance Part 1 Required Insurances Sub-part 1 Design and Construction Phase The policies to be taken out by the Contractor, or caused to be taken out by the Major Sub-contractor, and maintained
ML-9A Ed. 6/99 PERSONAL LIABILITY COVERAGE SECTION This coverage applies to the following insured(s); enter names only when different from those on the Declarations. Named Insured: This endorsement serves
COVERAGE UNDER A CGL POLICY I. Type of coverage provided by CGL coverage. A. CGL coverage is Commercial General Liability Coverage. B. Generally, a CGL policy provides coverage for the insured s liability
General Liability Insurance Insurance Company: Alberta School Boards Insurance Exchange (ASBIE) Insuring Agreement ASBIE agrees to pay on behalf of the Subscriber all sums that they are legally obligated
Liability Insurance Guidelines For Water Restoration and Mold Contractors April 2013 Disclaimer: The following is a draft of suggested language for incorporation into construction insurance specifications.
Are You Covered? Understanding Vendor Endorsements and Harmonizing Risk Transfer Arrangements July 14, 2015 Kevin B. Dreher & Jennifer D. Katz Reed Smith LLP Program Overview 1. How to Transfer Risk and
Hiscox Professional Liability Portfolio - old and new policy form comparison Transitioning to a new form can be tricky and time intensive unless you know what s changed. We want to SAVE YOU TIME and aim
INSURANCE PROGRAM USA Volleyball administers a medical and liability insurance program customized specifically for the sport of volleyball. It is designed to respond specifically to the inherent hazards
I. What is covered We will pay up to the coverage part limit for damages and claim expenses in excess of the retention for covered claims against you for or alleging sexual abuse and misconduct arising
Junior Volleyball Association Insurance Review The Junior Volleyball Association (JVA) offers a medical and liability insurance program specifically for the participants of JVA volleyball. It is designed
[LIBERTY INSURANCE UNDERWRITERS INC.] [(A Stock Insurance Company, hereafter the Company )] COMMERCIAL UMBRELLA COVERAGE FORM There are provisions in this policy that restrict coverage. Read the entire
II. INSURANCE RECAP Entertainment & Sports Insurance Experts, Inc. 2727 Paces Ferry Road Building Two, Suite 1500 Atlanta, GA 30339 Phone: 678-324-3300 Fax: 678-324-3303 # # # #!$%&'(&)&*&)+,+-& (.&/0*0/01(2)'1/&/,1+)'/+(*,)3&+'0%(,1/,4&)'5&6/,130+0,1('13&7/%2(0,1(8!
MISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1. INSURING AGREEMENTS 1.1 Insuring Clause Whereas the company, partnership or firm as stated in Item 1 of the Schedule (the Named Insured
FIDUCIARY LIABILITY COVERAGE PART I. INSURING AGREEMENTS Fiduciary Liability The Insurer shall pay Loss on behalf of the Insureds resulting from a Fiduciary Claim first made against the Insureds during
POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG DS 01 10 01 COMMERCIAL GENERAL LIABILITY DECLARATIONS COMPANY NAME AREA PRODUCER NAME AREA NAMED INSURED: MAILING ADDRESS: POLICY PERIOD: FROM TO AT 12:01
Liability Insurance Table Of Contents Section Page No. Coverages Coverage 1 Premises/Operations (1A) 4 Incidental Watercraft (1B) 4 Specific Property Of Others-Care, Control Or Custody (1C) 4 Damage To
COMMERCIAL GENERAL LIABILITY CG 00 09 12 07 OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM COVERAGE FOR OPERATIONS OF DESIGNATED CONTRACTOR Various provisions of this policy restrict coverage.
(CLAIMS MADE) NONPROFIT DIRECTORS AND OFFICERS LIABILITY INSURANCE POLICY THIS POLICY APPLIES ONLY TO CLAIMS FIRST MADE AGAINST THE INSURED AND REPORTED TO THE COMPANY DURING THE POLICY YEAR OR THE EXTENDED
INSURANCE REQUIREMENTS FOR ALL CITY CONTRACTS 1. GENERAL PROVISIONS A. Indemnification. The Contractor shall indemnify and save harmless the City of Lincoln, Nebraska from and against all losses, claims,
COMMERCIAL GENERAL LIABILITY CG 00 01 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage.
Public Liability Insurance This is a Claims Made Policy. This Policy covers only claims notified to the Company during the Period of Insurance. The Limit of Indemnity applies to all damages and costs and
COMMERCIAL GENERAL LIABILITY COVERAGE FORM CLAIMS-MADE THIS INSURANCE PROVIDES CLAIMS-MADE COVERAGE. DEFENCE EXPENSES ARE PAYABLE WITHIN, AND ARE NOT IN ADDITION TO, THE LIMITS OF INSURANCE. PAYMENT OF
COMMERCIAL GENERAL LIABILITY CG 00 02 12 07 COMMERCIAL GENERAL LIABILITY COVERAGE FORM COVERAGES A AND B PROVIDE CLAIMS-MADE COVERAGE PLEASE READ THE ENTIRE FORM CAREFULLY Various provisions in this policy
NON-TRUCKING LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties, and what is not covered. SECTION I - COVERED TRUCKS
COMMERICAL GENERAL LIABILITY COVERAGE PART DECLARATIONS (SINGLE LIMITS) Policy No. CLA 1000001-1 Issued By: Nautilus Insurance Company Named Insured and Address Agent Name and Address 10041 (503) 227-0491
THIS IS A LEGAL CONTRACT Page 1 of 21 -- PLEASE READ THIS CAREFULLY -- COMMERCIAL UMBRELLA/EXCESS LIABILITY COVERAGE (THIS POLICY MAY INCLUDE CLAIMS-MADE COVERAGES) The following Table of Contents shows