IBC Nuclear Energy Liability Exclusion. Explained

Size: px
Start display at page:

Download "IBC 2100. Nuclear Energy Liability Exclusion. Explained"

Transcription

1 IBC 2100 Nuclear Energy Liability Exclusion Explained By Colleen DeMerchant Assistant Manager Nuclear Insurance Association of Canada June 22, 2005

2 Nuclear Energy Liability Exclusion (IBC 2100 CGL form) explained. By Colleen P. DeMerchant, General Manager, Nuclear Insurance Association of Canada INTRODUCTION The production and use of atomic energy involves hazards of a special character and potentially far-reaching consequences. A special regime for nuclear third party liability is necessary since the ordinary law is not well suited to deal with the particular problems in this field. Indeed, if the ordinary law were applied, there are several different persons who might be held liable for damage caused by a nuclear incident and victims would, in all likelihood, have great difficulty in establishing which of them was in fact, liable. Moreover, that person would have unlimited liability without being able to obtain complete insurance cover. The prime objective of this special regime is to ensure the adequate compensation of damage caused to persons and to property by a nuclear incident. The core of the third party liability problem is upon whom, in what proportions and on what conditions, the risk of legal liability for damage caused by nuclear incident should fall. The solution to this problem involves reconciling the various interests in question: compensating as fully as possible the victims, limiting the liability of the Operator and exempting all other persons from liability. This reconciling of various interests in question has led to a system based on the following principles: Strict liability, that is to say, liability without fault; Exclusive liability of the Operator; Limitation of this liability in amount and in time; Obligation on the Operator to cover his liability by insurance or other financial security. 1 The Nuclear Liability Act (NLA) 2 is a federal statute that describes the liability regime and the consequent financial responsibility of operators of any facility that is designated as a nuclear installation. Such a designation applies to nuclear facilities where nuclear fission is possible or where spent nuclear fuel may be stored. Operators of these facilities must comply with the requirements under this Act. This legislation encompasses all the principles outlined above that are embodied in the international conventions on nuclear liability. All other applications using radioactive material, in settings away from designated nuclear installations, are addressed outside this special regime (the NLA) as the consequences are neither catastrophic nor uninsurable in the commercial market. The General Liability policy language is carefully constructed to carve out the catastrophic nuclear exposure and retain with the GL insurer s expertise the manageable nuclear exposures. The following provides an explanation of the relevant and often overlooked clause. NUCLEAR ENERGY LIABILITY EXCLUSION (IBC FORM 2100) There are three sections of this exclusion to GL policies which are outlined and explained in paragraphs (a), (b) and (c) below: 1 Introduction from the Exposé des Motifs of the Paris Convention. 2 The Nuclear Liability Act is currently under revision by Natural Resources Canada

3 Exclusion Preamble and exclusion (a) This insurance does not apply to: Nuclear Energy Liability a. Liability imposed by or arising from any nuclear liability act, law or statute, or any law amendatory thereof; The liability or duty imposed by the Canadian Nuclear Liability Act (NLA) is to secure that no injury to any other person or damage to any property of any other person is occasioned as a result of the fissionable or radioactive properties, or a combination of any of these properties with toxic, explosive or other hazardous property of (a) nuclear material that is in the nuclear installation of which he is the Operator; 3 Further this liability is absolute to the Operator. The Operator is, without proof of fault or negligence, absolutely liable for a breach of the duty imposed on him by this Act. 4 There are two other aspects which are important to refer to here. These are the exclusivity of the regime, meaning, when a nuclear incident occurs, all damages must be administered under the Act and further recourse through the courts is not permitted. Further the Operator has no right of recourse against any person in respect to his liability under this Act. 5 This principle of channeling, as described, is a common thread found in most nuclear liability legislation in generally all jurisdictions of the world that have nuclear facilities used for commercial purposes. This common theme is no accident, but is a carefully constructed regime in order to accomplish two goals and to accommodate the unique and legitimate concerns of the insurers: Firstly, it allows for large capacities of insurance to be available for liability coverage for the Operators without the limits being reduced or restricted by the need to make separate sums insured available for nuclear liability to parties other than the Operator. Examples include contractors who work on power stations and suppliers of equipment and materials used in power stations. Secondly, it allows potential victims of a nuclear incident a clear cut path to apply for compensation it is not necessary to identify the responsible party as would be the case in a tort-based regime. Here the victim has to merely prove causality and not negligence. Therefore, the exclusion (a) of the Nuclear Energy Exclusion works to ensure there will not be double coverage for Operators (under the NLA as well as their own GL policy), nor for contractors and suppliers of materials. 3 Nuclear Liability Act, Section 3. Duty of Operator 4 Nuclear Liability Act, Section 4. Absolute Liability of Operator 5 Nuclear Liability Act, Section 10. Limitations

4 Exclusion (b) b. Bodily injury or property damage with respect to which an insured under this policy is also insured under a contract of nuclear energy liability insurance (whether the insured is unnamed in such contract and whether or not it is legally enforceable by the insured) issued by the Nuclear Insurance Association of Canada for any other insurer or group or pool of insurers or would be an insured under such policy but for its termination upon exhaustion of its limit of liability; This exclusion must be read within the context of excluding the nuclear energy hazard and not interpreted that all bodily injury and all property damage for those insureds who may also have a contract of nuclear energy liability insurance be excluded by virtue of the nuclear energy liability insurance. The intent of this exclusion is to ensure that the GL policy does not to respond in excess of a NIAC policy, even upon the exhaustion of a NIAC policy s limit. An example of this would be a nuclear operator who also has a GL policy. The nuclear operator, by law must carry a Nuclear Energy Liability policy with NIAC to cover their financial responsibility under the NLA. This provides only nuclear liability coverage. The Operator must also carry a GL policy to protect him for negligence. The GL policy should not be looked to for further compensation for a nuclear incident. Exclusion (c) c. Bodily injury or property damage resulting directly or indirectly from the nuclear energy hazard 6 arising from: 1) The ownership, maintenance, operation or use of a nuclear facility 7 by or on behalf of an insured; 2) The furnishing by an insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility; 6 Defined terms within this clause. As used in this policy, the term nuclear energy hazard means the radioactive, toxic, explosive, or other hazardous properties of radioactive material; The term radioactive material means uranium, thorium, plutonium, neptunium, their respective derivatives and compounds, radioactive isotopes of other elements and any other substances which may be designated by any nuclear liability act, law or statute, or any law amendatory thereof, as being prescribed substances capable of releasing atomic energy, or as being requisite for the production, use or application of atomic energy; 7 The term nuclear facility means: (a) Any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of plutonium, thorium and uranium or any one or more of them; (b) Any equipment or device designed or used for (i) separating the isotopes of plutonium, thorium and uranium or any one or more of them, (ii) processing or packaging waste (c) Any equipment or device used for the processing, fabricating or alloying of plutonium, thorium or uranium enriched in the isotope uranium 233 or in the isotope uranium 235, or any one or more of them if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; (d) Any structure, basin, excavation, premises or place prepared or used for the storage or disposal of waste radioactive material; and includes the site on which any of the foregoing is located, together with all operations conducted thereon any all premises used for such operations.

5 3) The possession, consumption, use, handling, disposal or transportation of fissionable substances 8, or of other radioactive material (except radioactive isotopes, away from a nuclear facility, which have reached the final stage of fabrication so as to be usable for any scientific, medical agricultural, commercial or industrial purpose) used, distributed, handled or sold by an insured. Exclusion (c) requires the greatest detail in explanation. There are three sub parts, which require technical understanding. Subpart 1) Ownership, maintenance, operation or use of nuclear facilities. 1) Nuclear Facilities The GL excludes bodily injury and property damage resulting from the nuclear energy hazard arising from the following nuclear facilities. In layman s terms, these facilities may be categorized as one of the following: Nuclear Facilities. (a) Apparatus used to sustain nuclear fission or to contain critical mass. This definition would describe a nuclear reactor core, where actual fission takes place. Examples of nuclear reactors are commercial power reactors and research reactors. (b) (c) (d) Device designed for separating isotopes of plutonium etc. and processing or packaging waste. This definition isolates fuel reprocessing facilities. There are no commercial reprocessing facilities in Canada. (Further, waste in this context refers to radioactive waste.) Device used for processing etc. plutonium, thorium or enriched uranium. This definition describes facilities which produce weapons grade uranium or plutonium. As part of the Non Proliferation Agreement, Canada does not have any facilities such as this. Any structure, basin, excavation, premises or place prepared or used for the storage or disposal of waste radioactive material. This definition describes nuclear waste management facilities. The GL exclusion is designed to carve out the nuclear exposures presented by these types of facilities due to the presence of fissionable substances on site. A fissionable substance, under the correct circumstances will generate a self-sustaining nuclear chain reaction, which could cause catastrophic consequences. This is clearly an area the commercial market should not be involved in, except as a participant in the nuclear insurance pool. It is also important to point out that the radioactive waste referred to in part (b) and part (d) refers to specific elements of uranium, thorium, plutonium, neptunium and their respective derivatives and compounds, and other elements and substances which may be designated by any nuclear liability act.as being capable of releasing atomic energy, or as being requisite for 8 The term fissionable substance means any prescribed substance that is, or from which can be obtained, a substance capable or releasing atomic energy by nuclear fission.

6 the production, use or application of atomic energy. (See definition of radioactive material.) This section does not refer to radioactive waste from commercial sources such as medical radioactive waste. Subpart 2) The furnishing by an insured of services, materials, parts or equipment in connection with any nuclear facility This portion of the exclusion provides that suppliers of services, materials, parts or equipment which are furnished to a nuclear operator are not covered for nuclear exposures under their own GL policy. (They are, however, covered for other GL exposures as only coverage for losses arising from the nuclear energy hazard are excluded.) To further strengthen this regime, the Operator s Policy language has an omnibus insured clause 9 which includes any other person or organization with respect to this legal liability because of bodily injury or property damage caused by a nuclear incident arising from the operation of the installation. Accordingly, such suppliers are unnamed insureds under the Operator s Policy. Subpart 3) The possession, consumption, use, handling, disposal or transportation of fissionable substances, or of other radioactive material used, distributed, handled or sold by an insured. A fissionable substance is a material which is capable of releasing atomic energy by nuclear fission. The fissionable substances or radioactive material referred to in this clause used within the nuclear power industry is uranium, thorium, plutonium, or neptunium. Therefore, the GL policy will not respond to any claims resulting directly or indirectly from the radioactive, toxic, explosive, or other hazardous properties of radioactive material for any nuclear reactors, nuclear fuel fabricators or reprocessors, weapons grade facilities or waste management facilities. (It is important to note that reprocessing of spent nuclear fuel is prohibited in the United States and is not considered economically viable in Canada.) This provision delineates the nuclear exposures that are insured by NIAC and what are insured under the GL policies. Basically, NIAC insures the nuclear exposures from any nuclear material which is fissionable in nature and the GL policy is designed to insure the rest. 9 NIAC Operators Form DEFINITION OF INSURED A. UNDER COVERAGE A, the unqualified word "insured" includes (a) the named insured and (b) any other person or organization with respect to his legal liability for damages because of bodily injury or property damage caused by a nuclear incident arising from the operation of the installation. Subdivision (b) does not include as an insured the Government of Canada or any of its Provinces or any of their Agencies, exc ept any such province or Agency thereof as operator of a nuclear installation. Subject to Condition 3 and the other provisions of this policy, the insurance applies separately to each insured against whom claim is made or suit is brought. B. UNDER COVERAGE B, the unqualified word "insured" means the named insured and also includes any other person or organization with respect to his legal liability, pursuant to the laws of any reciprocating country, for damages because of injury or damage arising from the operation of the installation and for which the operator of the installation is liable under the Act. As used herein "reciprocating country" means a country which the Governor in Council has declared to be a reciprocating country for the purposes of the Nuclear Liability Act.

7 The exposure that is left for commercial insurers is the conventional general liability exposures of the Operators and any contractors or suppliers and nuclear materials that are outlined in the exception to this part of the exclusion, below: (except radioactive isotopes, away from a nuclear facility, which have reached the final stage of fabrication so as to be usable for any scientific, medical agricultural, commercial or industrial purpose) Contractors and suppliers of services to a nuclear generating station present no different exposure to the commercial insurer than the exposures from any other industrial insured or conventional power plant as the nuclear exposure has been removed. Any nuclear isotope which meets all these qualifications above should be risk assessed and underwritten under the GL policy by the commercial insurance market. This includes all exposures presented by these isotopes including radioactive contamination. The isotopes which fall into this category are used in many commercial and industrial applications such as: Diagnostic nuclear medicine X-rays Radioactive Tracers In Vitro methods Positron Emission Tomography (PET) Radionuclide manufacture Therapeutic nuclear medicine Food irradiation Non destructive testing and inspection and gauging Agricultural applications Geology applications Civil engineering applications Insect control Smoke detectors in homes Safety applications Detecting land mines Archaeology applications (carbon14 dating) It is clearly not the intent that all such risks be written by the national insurance pool intended to insure the catastrophic risk associated with nuclear fission. It is important to point out that none of the isotopes used in these applications can cause a nuclear incident (ie: they cannot go critical). However, radiation damage can result from exposure to many of these isotopes if the shielding is inadequate. These isotopes are very strictly controlled by the CNSC to ensure that appropriate industry safe guards and training are in place to prevent these risks. A balanced approach by the market is needed whereby the truly catastrophic exposures are insured under the channeling concept through the nuclear insurance pool and supported by all commercial markets as a complement to the nuclear exclusions in all the insurance policies and all other commercial exposures be assessed, risk managed and underwritten through the commercial market.

8 Experience Matters NUCLEAR INSURANCE ASSOCIATION OF CANADA 401 Bay Street, Suite 1600, Toronto, ON Canada M5H 2Y

Policy. Professional Liability Insurance for the Members of the Ordre des ingénieurs du Québec. Endorsed by: Ordre des ingénieurs du Québec

Policy. Professional Liability Insurance for the Members of the Ordre des ingénieurs du Québec. Endorsed by: Ordre des ingénieurs du Québec DEFINITIONS ENCON Group Inc. Policy Professional Liability Insurance for the Members of the Ordre des ingénieurs du Québec Master Policy L66000 Endorsed by: Ordre des ingénieurs du Québec THE AGREEMENTS

More information

Policy. Excess Professional Liability Insurance for Lawyer LICENSEES/ Law Firms

Policy. Excess Professional Liability Insurance for Lawyer LICENSEES/ Law Firms Policy 2008 Excess Professional Liability Insurance for Lawyer LICENSEES/ Law Firms 2008 E x c e s s l i a b i l i t y i n s u r a n c e Contents Excess Insurance Policy.........................................................

More information

Policy 2014. Excess Professional Liability Insurance

Policy 2014. Excess Professional Liability Insurance Policy 2014 Excess Professional Liability Insurance for LAWYERS/ Law Firms LAWPRO name and LAWPRO logo are registered trademarks of Lawyers Professional Indemnity Company. E x c e s s L i a b i l i t y

More information

ARCHITECTS and ENGINEERS PROFESSIONAL LIABILITY INSURANCE POLICY

ARCHITECTS and ENGINEERS PROFESSIONAL LIABILITY INSURANCE POLICY ARCHITECTS and ENGINEERS PROFESSIONAL LIABILITY INSURANCE POLICY TABLE OF CONTENTS Policy Provision Page DECLARATIONS DEFINITIONS CLAIM... 1 CLAIM EXPENSES... 1 COMPANION CLAIM... 1 DAMAGES... 2 INSURED...

More information

XL SPECIALTY INSURANCE COMPANY. (A Stock Insurance Company Herein Called the Company )

XL SPECIALTY INSURANCE COMPANY. (A Stock Insurance Company Herein Called the Company ) XL SPECIALTY INSURANCE COMPANY (A Stock Insurance Company Herein Called the Company ) MASTER POLICY SECONDARY PROFESSIONAL LIABILITY INSURANCE FOR THE PARTICIPATING ASSOCIATION MEMBERS OF ENGINEERS CANADA

More information

Policy 2015. Excess Professional Liability Insurance

Policy 2015. Excess Professional Liability Insurance Policy 2015 Excess Professional Liability Insurance for LAWYERS/ Law Firms LAWPRO name and LAWPRO logo are registered trademarks of Lawyers Professional Indemnity Company. E x c e s s L i a b i l i t y

More information

The Parties agree as follows: ARTICLE I. For the purposes of this Agreement:

The Parties agree as follows: ARTICLE I. For the purposes of this Agreement: AGREEMENT FOR COOPERATION BETWEEN THE GOVERNMENT OF THE UNITED STATES OF AMERICA AND THE GOVERNMENT OF THE REPUBLIC OF KOREA CONCERNING CIVIL USES OF ATOMIC ENERGY Whereas the Government of the United

More information

PROFESSIONAL LIABILITY INSURANCE EXCESS AND CONTINGENT PROFESSIONAL LIABILITY INSURANCE POLICY FOR MEMBERS OF ONTARIO NURSES ASSOCIATION

PROFESSIONAL LIABILITY INSURANCE EXCESS AND CONTINGENT PROFESSIONAL LIABILITY INSURANCE POLICY FOR MEMBERS OF ONTARIO NURSES ASSOCIATION PROFESSIONAL LIABILITY INSURANCE EXCESS AND CONTINGENT PROFESSIONAL LIABILITY INSURANCE POLICY FOR MEMBERS OF ONTARIO NURSES ASSOCIATION HAND DELIVERED IN BARBADOS Policy No: PL-2015 INSURED DECLARATIONS

More information

PREMISES LIABILITY INSURANCE

PREMISES LIABILITY INSURANCE 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

More information

Form # PM GL 2100 (Rev. August 25, 2005) Commercial General Liability Policy

Form # PM GL 2100 (Rev. August 25, 2005) Commercial General Liability Policy Form # PM GL 2100 (Rev. August 25, 2005) Commercial General Liability Policy SECTION I -- COVERAGES Beginning on Page Coverage A -- Bodily Injury and Property Damage Liability Insuring Agreement 1 Exclusions

More information

MEDICAL PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE BASIS

MEDICAL PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE BASIS MEDICAL PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE BASIS Coverage under this insurance policy is limited to Claims (a) first made against the Insured for the rendering of or failure to render Medical

More information

COMMERCIAL GENERAL LIABILITY COVERAGE - FORM 7001

COMMERCIAL GENERAL LIABILITY COVERAGE - FORM 7001 COMMERCIAL GENERAL LIABILITY COVERAGE - FORM 7001 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout

More information

STEWARDSHIP PARTNERS INSURANCE PROGRAM GENERAL LIABILITY INSURANCE POLICY

STEWARDSHIP PARTNERS INSURANCE PROGRAM GENERAL LIABILITY INSURANCE POLICY STEWARDSHIP PARTNERS INSURANCE PROGRAM GENERAL LIABILITY INSURANCE POLICY General Liability Insurance Policy SECTION I BODILY INJURY LIABILITY INSURING AGREEMENT The Insurer agrees to pay on behalf of

More information

LOCAL GOVERNMENT SELF-INSURANCE COVERAGE DOCUMENT 15/17 BIENNIUM

LOCAL GOVERNMENT SELF-INSURANCE COVERAGE DOCUMENT 15/17 BIENNIUM 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

More information

Catlin Combined Liability Insurance (Canada)

Catlin Combined Liability Insurance (Canada) Catlin Combined Liability Insurance (Canada) 1. Operative Clause The Insurer will pay those sums that the Insured becomes legally obligated to pay as damages (including claimants costs, fees and expenses)

More information

Specified Products and Completed Operations Insurance Policy

Specified Products and Completed Operations Insurance Policy Specified Products and Completed Operations Insurance Policy In consideration of the payment of the premium, the undertaking of the Named Insured to pay the deductible as described herein and in the amount

More information

Work Injury Compensation Insurance (Contract)

Work Injury Compensation Insurance (Contract) Work Injury Compensation Insurance (Contract) Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements.

More information

ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY TUDOR INSURANCE COMPANY KEENE, NEW HAMPSHIRE (A stock company, herein called the Insurer)

ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY TUDOR INSURANCE COMPANY KEENE, NEW HAMPSHIRE (A stock company, herein called the Insurer) ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY TUDOR INSURANCE COMPANY KEENE, NEW HAMPSHIRE (A stock company, herein called the Insurer) THIS IS A CLAIMS MADE AND REPORTED POLICY PLEASE READ CAREFULLY

More information

Work Injury Compensation Insurance (Annual)

Work Injury Compensation Insurance (Annual) Work Injury Compensation Insurance (Annual) Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements.

More information

AVIATION PRODUCTS LIABILITY POLICY SPECIMEN. CATLIN INSURANCE COMPANY 140 Broadway, 43 rd Floor New York, NY 10005 POLICY NUMBER ISSUED TO PRODUCER

AVIATION PRODUCTS LIABILITY POLICY SPECIMEN. CATLIN INSURANCE COMPANY 140 Broadway, 43 rd Floor New York, NY 10005 POLICY NUMBER ISSUED TO PRODUCER AVIATION PRODUCTS LIABILITY POLICY CATLIN INSURANCE COMPANY 140 Broadway, 43 rd Floor New York, NY 10005 POLICY NUMBER ISSUED TO PRODUCER ISSUED BY W. BROWN & ASSOCIATES INSURANCE SERVICES 19000 MacArthur

More information

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Insurance Department Sec. 38a-334 page 1 (10-00) TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Required areas of coverage.... 38a-334-1 Definitions....

More information

ABUSE LIMITED LIABILITY COVERAGE FORM THIS COVERAGE FORM PROVIDES CLAIMS MADE COVERAGE PLEASE READ THE ENTIRE COVERAGE FORM CAREFULLY

ABUSE LIMITED LIABILITY COVERAGE FORM THIS COVERAGE FORM PROVIDES CLAIMS MADE COVERAGE PLEASE READ THE ENTIRE COVERAGE FORM CAREFULLY ABUSE LIMITED LIABILITY COVERAGE FORM THIS COVERAGE FORM PROVIDES CLAIMS MADE COVERAGE PLEASE READ THE ENTIRE COVERAGE FORM CAREFULLY Retroactive Date: Throughout this Coverage Form the words "you" and

More information

DECLARATIONS. Insurance is afforded only with respect to those coverages specified by a premium charge or in schedules incorporated herein:

DECLARATIONS. Insurance is afforded only with respect to those coverages specified by a premium charge or in schedules incorporated herein: EventPolicy eventpolicy.ca 1-800-988-7868 support@eventpolicy.ca COMMERCIAL GENERAL LIABILITY POLICY Policy Number: E208PR0012 Name & Address of Insured: As Per Certificate Name & Address of Producer:

More information

BUILDING MANAGEMENT (THIRD PARTY RISKS INSURANCE) REGULATION CONTENTS

BUILDING MANAGEMENT (THIRD PARTY RISKS INSURANCE) REGULATION CONTENTS BUILDING MANAGEMENT (THIRD PARTY RISKS INSURANCE) REGULATION CONTENTS Section Page 1. Commencement 1 2. Interpretation 1 3. Requirements in respect of policies: liabilities to be covered 3 4. Requirement

More information

COMMUNITY RESIDENTIAL POLICY SCHEDULE

COMMUNITY RESIDENTIAL POLICY SCHEDULE COMMUNITY RESIDENTIAL POLICY SCHEDULE LEASEHOLD AND MORTGAGED BUILDINGS INSURANCE Policy Number N0A4N0V15A0T Agents Name Gallagher Heath Policyholder s Name Guildford Borough Council Millmead House, Millmead,

More information

11 NYCRR 153.0. Text is current through August 31, 2001, and annotations are current through February 2001.

11 NYCRR 153.0. Text is current through August 31, 2001, and annotations are current through February 2001. 11 NYCRR 153.0 OFFICIAL COMPILATION OF CODES, RULES AND REGULATIONS OF THE STATE OF NEW YORK TITLE 11. INSURANCE DEPARTMENT CHAPTER V. RATES AND RATING ORGANIZATIONS SUBCHAPTER B. COMMERCIAL AND INDUSTRIAL

More information

STANDARD SCHEDULE OF ENDORSEMENTS FORM # 101 (Rev. May 1, 2007)

STANDARD SCHEDULE OF ENDORSEMENTS FORM # 101 (Rev. May 1, 2007) STANDARD SCHEDULE OF ENDORSEMENTS FORM # 101 (Rev. May 1, 2007) This schedule of forms contains a number of endorsements and clauses that are applicable to the attached policy PLEASE READ CAREFULLY. The

More information

Atomic Energy Commission Act, 2000 ACT 588 ATOMIC ENERGY COMMISSION ACT, 2000 ARRANGEMENT OF SECTIONS

Atomic Energy Commission Act, 2000 ACT 588 ATOMIC ENERGY COMMISSION ACT, 2000 ARRANGEMENT OF SECTIONS Atomic Energy Commission Act, 2000 ATOMIC ENERGY COMMISSION ACT, 2000 ARRANGEMENT OF SECTIONS Establishment of Commission SECTION 1. Establishment of the 2. Term of office of the members. Functions of

More information

CATLIN PRIMARY LAWYERS PROFESSIONAL LIABILITY INSURANCE

CATLIN PRIMARY LAWYERS PROFESSIONAL LIABILITY INSURANCE CATLIN PRIMARY LAWYERS PROFESSIONAL LIABILITY INSURANCE ERRORS AND OMISSIONS WORDING DECLARATIONS POLICY NUMBER: Attaching to and forming part of CATLIN LAWYERS PROFESSIONAL LIABILITY INSURANCE 1. NAMED

More information

AIRCRAFT PRODUCTS/COMPLETED OPERATIONS AND GROUNDING LIABILITY POLICY PART II POLICY PROVISIONS

AIRCRAFT PRODUCTS/COMPLETED OPERATIONS AND GROUNDING LIABILITY POLICY PART II POLICY PROVISIONS QBAV-MP1001 (10-12) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AIRCRAFT PRODUCTS/COMPLETED OPERATIONS AND GROUNDING LIABILITY POLICY PART II POLICY PROVISIONS The company issuing this

More information

EXCESS RENTAL LIABILITY POLICY

EXCESS RENTAL LIABILITY POLICY Ace American Insurance Company 1601 Chestnut Street Philadelphia, PA 19101-1484 EXCESS RENTAL LIABILITY POLICY Policy Number: I. INSURING AGREEMENTS In consideration of the payment of the Premium as specified

More information

STATE FISCAL ACCOUNTABILITY AUTHORITY TORT LIABILITY INSURANCE POLICY

STATE FISCAL ACCOUNTABILITY AUTHORITY TORT LIABILITY INSURANCE POLICY STATE FISCAL ACCOUNTABILITY AUTHORITY INSURANCE RESERVE FUND POST OFFICE BOX 11066 COLUMBIA, SOUTH CAROLINA 29211 Phone: (803) 737-0020 TORT LIABILITY INSURANCE POLICY POLICY PROVISIONS STATE FISCAL ACCOUNTABILITY

More information

The word "insured" means any person or organization qualifying as such under SECTION II - WHO IS AN INSURED.

The word insured means any person or organization qualifying as such under SECTION II - WHO IS AN INSURED. COMMERCIAL GENERAL LIABILITY POLICY Various provisions in this policy restrict coverage. determine rights, duties and what is and is not covered. Read the entire policy carefully to Throughout this policy

More information

EMPLOYERS LIABILITY INSURANCE POLICY

EMPLOYERS LIABILITY INSURANCE POLICY EMPLOYERS LIABILITY INSURANCE POLICY GENERAL PROVISIONS This Policy is evidence of the contract between the Insured and the Insurers. The Insured by a Proposal and Declaration which shall be the basis

More information

PUBLIC AND PRODUCTS LIABILITY INSURANCE SCHEDULE TO THE POLICY

PUBLIC AND PRODUCTS LIABILITY INSURANCE SCHEDULE TO THE POLICY PUBLIC AND PRODUCTS LIABILITY INSURANCE SCHEDULE TO THE POLICY INSURED: POLICY NO: BUSINESS: PERIOD OF INSURANCE: From: To: (both dates inclusive) INDEMNITY LIMITS: Section A: Section B: Section C: EXCESS:

More information

The Liability of Lessors and the Insurance Implications of Bill 35

The Liability of Lessors and the Insurance Implications of Bill 35 The Liability of Lessors and the Insurance Implications of Bill 35 The British Columbia Legislature recently took steps to cap the liability exposure of auto dealers and auto leasing companies. Included

More information

Nuclear Security Glossary

Nuclear Security Glossary IAEA NUCLEAR SECURITY SERIES NO. Nuclear Security Glossary Revision 3E Draft 17 March 2010 Page 1 of 16 FOREWORD [TO BE PROVIDED BY THE SECRETARIAT AT A LATER TIME] Page 2 of 16 Introduction The Nuclear

More information

L A W ОN RADIATION PROTECTION AND NUCLEAR SAFETY I. BASIC PROVISIONS. Subject Matter

L A W ОN RADIATION PROTECTION AND NUCLEAR SAFETY I. BASIC PROVISIONS. Subject Matter L A W ОN RADIATION PROTECTION AND NUCLEAR SAFETY I. BASIC PROVISIONS Subject Matter Article 1 This Law stipulates measures for protection of human life, health and environment from harmful effects of ionising

More information

PUBLIC & PRODUCTS LIABILITY INSURANCE

PUBLIC & PRODUCTS LIABILITY INSURANCE PUBLIC & PRODUCTS LIABILITY INSURANCE ASSURED: SCHEDULE TO THE POLICY POLICY NUMBER: BUSINESS: PERIOD OF INSURANCE: From: To: (both dates inclusive) INDEMNITY LIMITS: Section: A: Section B: Section C:

More information

"P" INSURANCE CONDITIONS CONSULTING AND PROFESSIONAL SERVICES

P INSURANCE CONDITIONS CONSULTING AND PROFESSIONAL SERVICES "P" INSURANCE CONDITIONS P_insur_conditions.pdf Issued on May 7, 2013 I N D E X PART I GENERAL INSURANCE CONDITIONS (GIC)... 3 GIC 2 CONSULTANT... 3 GIC 3 INSURANCE PROCEEDS... 4 GIC 4 CONSULTANTS RESPONSIBILITY

More information

COMMERCIAL UMBRELLA LIABILITY FORM MCL 050 04 93

COMMERCIAL UMBRELLA LIABILITY FORM MCL 050 04 93 COMMERCIAL UMBRELLA LIABILITY FORM YOUR POLICY INCLUDES: THIS INSURANCE FORM INCLUDES: The Declarations Page, Including Information About You and Your Business / Operations The Premises and Business /

More information

FUNDAMENTALS OF A STATE S NUCLEAR SECURITY REGIME: OBJECTIVE AND ESSENTIAL ELEMENTS

FUNDAMENTALS OF A STATE S NUCLEAR SECURITY REGIME: OBJECTIVE AND ESSENTIAL ELEMENTS IAEA NUCLEAR SECURITY SERIES NO. FUNDAMENTALS OF A STATE S NUCLEAR SECURITY REGIME: OBJECTIVE AND ESSENTIAL ELEMENTS Revision 17.04 Page 1 of 20 FOREWORD [TO BE PROVIDED BY THE SECRETARIAT AT A LATER TIME]

More information

Single Project Professional Liability Insurance Policy No. 3

Single Project Professional Liability Insurance Policy No. 3 111 Moatfield Drive Toronto, ON M3B 3L6 Canada T 416 386-1770 I F 416 449-6412 prodemnity.com Single Project Professional Liability Insurance Policy No.3 January 31, 2015 PD. FORM 1c /15 1 of 13 THE POLICY

More information

Specimen. Professional Liability Insurance Policy Lawyers

Specimen. Professional Liability Insurance Policy Lawyers Professional Liability Insurance Policy Lawyers ZURICH-AMERICAN INSURANCE GROUP Insurance is provided by the company designated on the declaration page. (A stock insurance company, herein called the Company)

More information

ACT ON LIABILITY FOR NUCLEAR DAMAGE

ACT ON LIABILITY FOR NUCLEAR DAMAGE ACT ON LIABILITY FOR NUCLEAR DAMAGE Published in the Official Gazette of the Republic of Slovenia - International Treaties, No. 77/2010 UNOFFICIAL TRANSLATION I. GENERAL PROVISIONS Article 1 (Contents)

More information

Nuclear Fuels and Fission

Nuclear Fuels and Fission Nuclear Fuels and Fission 1 of 33 Boardworks Ltd 2011 2 of 33 Boardworks Ltd 2011 How do we get energy from atoms? 3 of 33 Boardworks Ltd 2011 Atoms contain huge amounts of energy in their nuclei. There

More information

SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY

SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY Appendix 7b 1 WHEREAS the Insured by a proposal which shall be the basis of this Contract and be held as incorporated herein has applied

More information

TankAdvantage Pollution Liability Insurance THIS FORM PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY.

TankAdvantage Pollution Liability Insurance THIS FORM PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. TankAdvantage Pollution Liability Insurance THIS FORM PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage. Read the entire policy carefully

More information

PRODUCT LIABILITY INSURANCE (Richard Oliver Version)

PRODUCT LIABILITY INSURANCE (Richard Oliver Version) (Richard Oliver Version) OPERATIVE CLAUSE The Underwriters will indemnify the Assured against their legal liability, whether by way of claims made against them or by way of loss or expense incurred by

More information

13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1 NMAC - Rn & A, 13 NMAC 12.3.

13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1 NMAC - Rn & A, 13 NMAC 12.3. TITLE 13 CHAPTER 12 PART 3 INSURANCE MOTOR VEHICLE INSURANCE UNINSURED AND UNKNOWN MOTORISTS COVERAGE 13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1

More information

Electronic Products and Services Errors or Omissions, and Product Liability Insurance (05-2009)

Electronic Products and Services Errors or Omissions, and Product Liability Insurance (05-2009) - 1 - Electronic Products and Services Errors or Omissions, and Product Liability Insurance (05-2009) SCHEDULE Policy Number: Named Insured: Address: Scope of Business: Estimated Turn over : Insurance

More information

AIG Taiwan Insurance Hull Deductible Policy

AIG Taiwan Insurance Hull Deductible Policy 查 詢 本 公 司 資 訊 公 開 說 明 文 件, 請 上 本 公 司 網 站, 網 址 :www.aig.com.tw, 或 至 本 公 司 索 取 免 費 申 訴 電 話 :0800-866588 AIG Taiwan Insurance Hull Deductible Policy 96.06.29(96) 邦 保 商 企 字 第 020 號 函 備 查 96.08.31 依 行 政 院 金

More information

SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY

SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY WHEREAS the Insured by a proposal which shall be the basis of this insurance policy and be held as incorporated herein, has applied to

More information

Act on the Peaceful Utilization of Atomic Energy and the Protection against its Hazards (Atomic Energy Act)

Act on the Peaceful Utilization of Atomic Energy and the Protection against its Hazards (Atomic Energy Act) Act on the Peaceful Utilization of Atomic Energy and the Protection against its Hazards (Atomic Energy Act) of December 23, 1959 (Federal Law Gazette, Part I, page 814), as Amended and Promulgated on July

More information

RC-17. Alejandro V. Nader National Regulatory Authority Montevideo - Uruguay

RC-17. Alejandro V. Nader National Regulatory Authority Montevideo - Uruguay RC-17 Radiation Protection in Waste Management and Disposal Implementing the Joint Convention on the Safety of Spent Fuel Management and on the Safety of Radioactive Waste Management Alejandro V. Nader

More information

Implementation of the NPT Safeguards Agreement in the Arab Republic of Egypt

Implementation of the NPT Safeguards Agreement in the Arab Republic of Egypt International Atomic Energy Agency Board of Governors GOV/2005/9 Date: 14 February 2005 Restricted Distribution Original: English For official use only Item 6(c) of the provisional agenda (GOV/2005/2)

More information

國 泰 產 物 Public Liability Insurance Policy(Occurrence Form) 保 險 商 品 簡 介

國 泰 產 物 Public Liability Insurance Policy(Occurrence Form) 保 險 商 品 簡 介 A7 附 件 國 泰 產 物 Public Liability Insurance Policy(Occurrence Form) 保 險 商 品 簡 介 備 查 文 號 :103.12.25(103) 企 字 第 200-939 號 免 費 申 訴 電 話 :0800-036-599 查 閱 本 公 司 資 訊 公 開 說 明 文 件 網 址 :www.cathayholdings.com/insurance

More information

PUBLIC LIABILITY INSURANCE POLICY

PUBLIC LIABILITY INSURANCE POLICY PUBLIC LIABILITY INSURANCE POLICY IT IS AGREED THAT subject to the Terms Exceptions and Conditions contained herein or endorsed hereon the Company will during the Period of Insurance stated in the said

More information

Garage Liability Policy

Garage Liability Policy 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

More information

Part 1 General and Administrative Information. Part 3 Applicant s Environmental Report Combined License Stage

Part 1 General and Administrative Information. Part 3 Applicant s Environmental Report Combined License Stage Part 16 South Carolina Electric and Gas V. C. Summer Nuclear Station, Units 2 & 3 COL Application COLA Table of Contents Navigation Page Part 1 General and Administrative Information Part 2 Final Safety

More information

NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT

NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT COMMERCIAL AUTO CA 22 34 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT For a covered "auto" licensed or principally garaged in,

More information

EMPLOYED LAWYERS PROFESSIONAL LIABILITY CLAIMS-MADE AND REPORTED POLICY

EMPLOYED LAWYERS PROFESSIONAL LIABILITY CLAIMS-MADE AND REPORTED POLICY EMPLOYED LAWYERS PROFESSIONAL LIABILITY CLAIMS-MADE AND REPORTED POLICY NOTICE Except to such extent as may otherwise be provided herein, the coverage of this policy is limited to liability for only those

More information

CONTINGENT AUTO LIABILITY COVERAGE FORM

CONTINGENT AUTO LIABILITY COVERAGE FORM CONTINGENT AUTO LIABILITY COVERAGE FORM THIS INSURANCE MAY NOT BE OFFERED IN SATISFACTION OF INSURANCE REQUIREMENTS OF ANY MOTOR VEHICLE LAW ANYWHERE. SECTION I LIABILITY COVERAGE A. Insuring Agreement

More information

Locum Tenens and Contract Staffing Services Professional Liability Insurance

Locum Tenens and Contract Staffing Services Professional Liability Insurance Locum Tenens and Contract Staffing Services Professional Liability Insurance In consideration of the payment of the premium, the undertaking of the Named Insured to pay the deductible as described herein

More information

Nuclear Material Accounting Handbook. Vienna, May 2008. Services Series 15

Nuclear Material Accounting Handbook. Vienna, May 2008. Services Series 15 Nuclear Material Accounting Handbook Vienna, May 2008 Services Series 15 IAEA Services Series No. 15 Nuclear Material Accounting Handbook May 2008 The originating Section of this publication in the IAEA

More information

Convention on Early Notification of a Nuclear Accident

Convention on Early Notification of a Nuclear Accident Convention on Early Notification of a Nuclear Accident Significance of the Convention: The Convention strengthens the international response to nuclear accidents by providing a mechanism for rapid information

More information

Policies Governing Regulation of Nuclear and Radiation Safety

Policies Governing Regulation of Nuclear and Radiation Safety GOVERNMENT OF INDIA Policies Governing Regulation of Nuclear and Radiation Safety ATOMIC ENERGY REGULATORY BOARD July 2014 This page is intentionally left blank i Policies Governing Regulation of Nuclear

More information

The accident was first notified to the Science and Technology Agency (STA) on 30 September 1999 at 11.19.

The accident was first notified to the Science and Technology Agency (STA) on 30 September 1999 at 11.19. TOKAI-MURA ACCIDENT, JAPAN THIRD PARTY LIABILITY AND COMPENSATION ASPECTS* Summary of events The accident On 30 September 1999, at 10.35, Japan s first criticality accident occurred in a conversion test

More information

Decree-Law no. 38/96/M of 15th July

Decree-Law no. 38/96/M of 15th July Decree-Law no. 38/96/M of 15th July The implementation of the public liability insurance relating to the fixing of propaganda and publicity material in the territory of Macau requires the establishment,

More information

Items 1-7 above shall not be subject to any of the following limiting or exclusionary endorsements:

Items 1-7 above shall not be subject to any of the following limiting or exclusionary endorsements: Page 1 of 5 Supplier's Insurance. Before commencing the Work, and as a condition of any payment due under this Subcontract, Supplier shall, at its own expense, procure and maintain insurance on all of

More information

LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES

LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES 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

More information

PERSONAL FIREARMS LIABILITY INSURANCE

PERSONAL FIREARMS LIABILITY INSURANCE W20441 PERSONAL FIREARMS LIABILITY INSURANCE POLICY FORM UNDERWRITTEN BY CERTAIN UNDERWRITERS AT LLOYD S, LONDON NATIONAL RIFLE ASSOCIATION OF AMERICA Certain Underwriters at Lloyd s, London having issued

More information

ARIEL AIRPORT OWNERS AND OPERATORS LIABILITY INSURANCE

ARIEL AIRPORT OWNERS AND OPERATORS LIABILITY INSURANCE ARIEL AIRPORT OWNERS AND OPERATORS LIABILITY INSURANCE The Insurers hereby agree to the extent and in the manner hereinafter provided, to pay on behalf of the Insured all sums which the Insured shall become

More information

REGULATION. Regulation for the System of Accounting for and Control of Nuclear Material and Application of Additional Protocol (FANR-REG-10) Version 0

REGULATION. Regulation for the System of Accounting for and Control of Nuclear Material and Application of Additional Protocol (FANR-REG-10) Version 0 REGULATION Regulation for the System of Accounting for and Control of Nuclear Material and Application of Additional Protocol (FANR-REG-10) Version 0 Federal Authority for Nuclear Regulation (FANR) P.O.

More information

COMMERCIAL GENERAL LIABILITY - OCCURRENCE BASIS

COMMERCIAL GENERAL LIABILITY - OCCURRENCE BASIS COMMERCIAL GENERAL LIABILITY - OCCURRENCE BASIS Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. The word

More information

NEBRASKA PROPERTY AND LIABILITY INSURANCE GUARANTY ASSOCIATION ACT

NEBRASKA PROPERTY AND LIABILITY INSURANCE GUARANTY ASSOCIATION ACT NEBRASKA PROPERTY AND LIABILITY INSURANCE GUARANTY ASSOCIATION ACT Section. 44-2401. Purpose of sections. 44-2402. Kinds of insurance covered. 44-2403. Terms, defined. 44-2404. Nebraska Property and Liability

More information

REQUEST FOR QUOTATION/ PURCHASE ORDER

REQUEST FOR QUOTATION/ PURCHASE ORDER REQUEST FOR QUOTATION/ PURCHASE ORDER Conditions of Contract- Services These Conditions may be varied only by the written agreement of the Council. No terms or conditions put forward at any time by the

More information

PLEASE NOTE. For more information concerning the history of this Act, please see the Table of Public Acts.

PLEASE NOTE. For more information concerning the history of this Act, please see the Table of Public Acts. PLEASE NOTE This document, prepared by the Legislative Counsel Office, is an office consolidation of this Act, current to May 30, 2012. It is intended for information and reference purposes only. This

More information

Policy Wording. Professional Indemnity Insurance. Issued to Eligible Emergency Resource Providers by VMIA

Policy Wording. Professional Indemnity Insurance. Issued to Eligible Emergency Resource Providers by VMIA Policy Wording Professional Indemnity Insurance Issued to Eligible Emergency Resource Providers by VMIA For the period date 30 June 2015 to 30 June 2016 Contents Professional Indemnity Policy... 3 Definitions...

More information

Comprehensive Contractors Plant & Equipment Cover Political Risks (CCP)

Comprehensive Contractors Plant & Equipment Cover Political Risks (CCP) Syndicate 2623/623 at Lloyd s Plantation Place South 60 Great Tower Street Comprehensive Contractors Plant & Equipment Cover Political Risks (CCP) SCHEDULE Policy No: 1. Assured: 2. Assured's country:

More information

WASTE SERVICES & DISPOSAL AGREEMENT. By: By: Name: Name: Title: Title:

WASTE SERVICES & DISPOSAL AGREEMENT. By: By: Name: Name: Title: Title: WASTE SERVICES & DISPOSAL AGREEMENT COMPANY: CUSTOMER: By: By: Name: Name: Date Date Title: Title: Effective Date of Agreement: Initial Term: Contract No. This Waste & Disposal Services Agreement, consisting

More information

Liquor. (Occurrence Form)

Liquor. (Occurrence Form) Liquor LIABILITY INSURANCE POLICY (Occurrence Form) 95A Turnpike Road Westborough, MA 01581 (508) 366-1140 THIS POLICY JACKET WITH THE Liquor LIABILITY POLICY FORM, DECLARATIONS PAGE AND ENDORSEMENTS,

More information

QBE PRODUCT LIABILITY PROPOSAL FORM

QBE PRODUCT LIABILITY PROPOSAL FORM QBE PRODUCT LIABILITY PROPOSAL FORM Intermediary: NOTICE TO THE PROPOSED INSURED Your Duty of Disclosure A. Your attention is drawn to your duty of disclosure, as follows: (1) An Insured has a duty to

More information

SCHEDULE 17. Insurance Requirements. Part 1 Insurance Requirements applicable to the Phase 2 Work

SCHEDULE 17. Insurance Requirements. Part 1 Insurance Requirements applicable to the Phase 2 Work SCHEDULE 17 Insurance Requirements Part 1 Insurance Requirements applicable to the Phase 2 Work Capitalized terms used in this Schedule which are not otherwise defined shall have the meanings given to

More information

STATE FISCAL ACCOUNTABILITY AUTHORITY MEDICAL PROFESSIONAL LIABILITY INSURANCE POLICY

STATE FISCAL ACCOUNTABILITY AUTHORITY MEDICAL PROFESSIONAL LIABILITY INSURANCE POLICY STATE FISCAL ACCOUNTABILITY AUTHORITY INSURANCE RESERVE FUND POST OFFICE BOX 11066 COLUMBIA, SOUTH CAROLINA 29211 Phone: (803) 737-0020 MEDICAL PROFESSIONAL LIABILITY INSURANCE POLICY OCCURRENCE FORM POLICY

More information

Insurance Coverage: The Commercial General Liability Policy

Insurance Coverage: The Commercial General Liability Policy Insurance Coverage: The Commercial General Liability Policy An overview of the backbone of avionics business protection. What is available and how you can control the cost of it. Please understand what

More information

6. WARNING BY BUYER. BUYER shall give warning of any possible hazard to any person or persons to whom BUYER resells, gives or delivers the Property

6. WARNING BY BUYER. BUYER shall give warning of any possible hazard to any person or persons to whom BUYER resells, gives or delivers the Property TERMS AND CONDITIONS FOR ONLINE TRANSACTIONS TO PURCHASE GP PROPERTY (VIA GOINDUSTRY DOVEBID) By submitting a bid to purchase the Property (as defined below), BUYER (as defined below) agrees that the following

More information

QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY

QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY CONTENTS PAGE SECTION 1: LOSS OR DAMAGE TO VEHICLE 1 INSURING CLAUSE 1 AUTOMATIC EXTENSION 1 LIMIT OF INDEMNITY 1 EXCLUSIONS 1 EXCESS FOR SECTION

More information

NPSA GENERAL PROVISIONS

NPSA GENERAL PROVISIONS NPSA GENERAL PROVISIONS 1. Independent Contractor. A. It is understood and agreed that CONTRACTOR (including CONTRACTOR s employees) is an independent contractor and that no relationship of employer-employee

More information

Employers' Liability Insurance Policy (form Bit 2008)

Employers' Liability Insurance Policy (form Bit 2008) IT IS HEREBY NOTED AND AGREED THAT THE FOLLOWING VERSION IS A FREE TRANSLATION FROM HEBREW. IN CASE OF ANY DISCREPANCIES, THE HEBREW WORDING WILL PREVAIL. Employers' Liability Insurance Policy (form Bit

More information

and the President has proclaimed the following Law:

and the President has proclaimed the following Law: Unofficial translation The Saeima 1 has adopted and the President has proclaimed the following Law: THE INSURANCE CONTRACT LAW Chapter I GENERAL PROVISIONS Article 1. Definitions 1) sum insured - the amount

More information

(1) A person to whom damage to another is legally attributed is liable to compensate that damage.

(1) A person to whom damage to another is legally attributed is liable to compensate that damage. Principles of European Tort Law TITLE I. Basic Norm Chapter 1. Basic Norm Art. 1:101. Basic norm (1) A person to whom damage to another is legally attributed is liable to compensate that damage. (2) Damage

More information

New Proposed Department of Energy Rules to Clarify and Update Part 810. By Shannon MacMichael and Michael Lieberman of Steptoe & Johnson, LLP 1

New Proposed Department of Energy Rules to Clarify and Update Part 810. By Shannon MacMichael and Michael Lieberman of Steptoe & Johnson, LLP 1 New Proposed Department of Energy Rules to Clarify and Update Part 810 I. Introduction By Shannon MacMichael and Michael Lieberman of Steptoe & Johnson, LLP 1 Since April 2010, when former U.S. Secretary

More information

COMMERCIAL GENERAL LIABILITY INSURANCE TERMS AND CONDITIONS 1/2013 Valid from 25.06.2013

COMMERCIAL GENERAL LIABILITY INSURANCE TERMS AND CONDITIONS 1/2013 Valid from 25.06.2013 COMMERCIAL GENERAL LIABILITY INSURANCE TERMS AND CONDITIONS 1/2013 Valid from 25.06.2013 1 THE PURPOSE OF THE INSURANCE 1.1 The purpose of the terms and conditions of the commercial general liability insurance

More information

ASSAf STATEMENT ON NUCLEAR ENERGY SAFETY

ASSAf STATEMENT ON NUCLEAR ENERGY SAFETY ASSAf STATEMENT ON NUCLEAR ENERGY SAFETY MAY 2012 INTRODUCTION Both public and political attitudes on the introduction and use of nuclear energy change with time and events. A movement towards extending

More information

COMMERCIAL GENERAL LIABILITY COVERAGE FORM CLAIMS-MADE

COMMERCIAL GENERAL LIABILITY COVERAGE FORM CLAIMS-MADE 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

More information

11 NYCRR 60-2.0. Text is current through February 15, 2002, and annotations are current through August 1, 2001.

11 NYCRR 60-2.0. Text is current through February 15, 2002, and annotations are current through August 1, 2001. 11 NYCRR 60-2.0 OFFICIAL COMPILATION OF CODES, RULES AND REGULATIONS OF THE STATE OF NEW YORK TITLE 11. INSURANCE DEPARTMENT CHAPTER III. POLICY AND CERTIFICATE PROVISIONS [FN1] SUBCHAPTER B. PROPERTY

More information

LIABILITY COVERAGE SECTION-FARM

LIABILITY COVERAGE SECTION-FARM 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

More information

Physicians, Surgeons, Dentists and Podiatrists Professional Liability Insurance Policy

Physicians, Surgeons, Dentists and Podiatrists Professional Liability Insurance Policy Physicians, Surgeons, Dentists and Podiatrists Professional Liability Insurance Policy THIS IS A CLAIMS MADE POLICY. PLEASE READ IT CAREFULLY. In consideration of the payment of the premium, the undertaking

More information

LIBERTY INTERNATIONAL UNDERWRITERS. Errors & Omissions Liability Insurance for Life Agents

LIBERTY INTERNATIONAL UNDERWRITERS. Errors & Omissions Liability Insurance for Life Agents LIBERTY INTERNATIONAL UNDERWRITERS E Errors & Omissions Liability Insurance for Life Agents Policy Number: FITOAAN4JZ002 Renewal of: FITOAAN4JZ00 Errors & Omissions Liability Insurance for Life Agents

More information