General Liability Insurance

Size: px
Start display at page:

Download "General Liability Insurance"

Transcription

1 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 to pay or assumed under an insured contract. Limits: Part 1 $ 250,000 per Occurrence Part 2 $ 250,000 per Claim Part 1 & 2 $1,000,000 Liability Aggregate Deductibles: Part 1: Coverage A - Property Damage Only $2, per Occurrence Part 2: $2,500. per Claim Endorsements: As per individual endorsement PART 1 GENERAL LIABILITY Key Definitions Subscriber (Who is Insured) Subscriber means any one or more Subscribers to the Alberta School Boards Insurance Exchange to whom individual certificates have been issued and also includes: (i) any person or persons who are directors, officers, trustees, governors, teachers, student teachers, employees (including those employed on a full time, part time or employment under contract basis), volunteers or students (including students on outside training courses authorized by the Subscriber) or members of any duly constituted boards, committees, commissions or administrative assemblies of the Subscriber, all while acting within the scope of their duties as such on behalf of the Subscriber; however, the coverage extended to employees does not apply with respect to: 1. Bodily injury or personal injury to the Subscriber or to a coemployee while in the course of his or her employment; or 2. Bodily injury or personal injury to any person who at the time of injury is entitled to benefits under any workers compensation or disability benefits law or a similar law;

2 (ii) 3. Bodily injury or personal injury arising out of his or her providing or failing to provide professional health care services, with the exception of incidental first aid services; or 4. Property damage to property owned or occupied or rented or loaned to that employee, any of the Subscriber s other employees, or any of the Subscriber s partners or associate Subscribers (if the Subscriber is a partnership or joint venture). Each person, firm, corporation or government body for whom the Subscriber has contracted to provide insurance but only with respect to liability that arises out of the operations of the Subscriber, and only to the extent required by such contract; (iii) Owners of property leased to or managed by the Subscriber where the Subscriber is required to provide insurance on behalf of the owner, and then only with respect to liability that arises out of the operations of the Subscriber; (iv) Joint ventures, partnerships, and co-tenancies, including the individual joint venture, partners and co-tenants thereof where the Subscriber has contracted to provide insurance. The insurance so provided shall apply solely to liability arising out of the operations of the joint venture, partnership or co-tenancy. (v) Any person, committee, board organization or group involved in any recreational activities, charitable organization or other similar activity and their directors, officers, members and active non-members while acting on behalf of such, sponsored and approved by the Named Subscriber; (vi) The interest of all owners, lessors, trustees, mortgagees and/or lessees in property for which the Subscriber has agreed to provide insurance. It is agreed that the said owners, lessors, trustees, mortgagees, and/or lessees shall be included as insured persons where required, but solely with respect to liability arising out of the premises and/or operations referred to in the contract or agreement between the Subscriber and said owners, lessors, trustees, mortgagees and/or lessees. (vii) Any person or organization having proper temporary custody of the Subscriber s property if the Subscriber dies, but only: 1. With respect to liability arising out of the maintenance or use of that property; and 2. Until the Subscriber s legal representative has been appointed; and the Subscriber s legal representative if the Subscriber dies, but only with respect to his or her duties as such. That representative will have all the Subscriber s rights and duties under this agreement. (viii) Any person (other than an employee of the Subscriber) or organization while acting as Real Estate Manager for the Named Subscriber; (ix) unincorporated non-profit educational entities;

3 (x) contract bus drivers of the Subscriber (where an individual certificate has been issued and premium has been indicated on the individual certificate issued hereunder); (xi) further education councils or societies; (xii) school councils. Insured Contract Contract or Agreement means: (i) (ii) Personal Injury a lease of premises, easement agreement, agreement required by municipal ordinance, railway sidetrack agreement, elevator maintenance agreement; and that part of any other contract or agreement under which you assume the tort liability of another, if the contract or agreement is made prior to the bodily injury or property damage. Tort liability means a liability that would be imposed by law even if there were no contract or agreement. Personal Injury means injury, other than bodily injury due to: (iii) (iv) false arrest, malicious prosecution, wilful or wrongful detention or imprisonment; oral or written publication of material that violates a person s right of privacy, wrongful eviction, wrongful entry.

4 Coverage A Bodily Injury Liability Property Damage Liability Bodily Injury means bodily injury, sickness, or disease sustained by a person, including death. Property Damage means (i) physical injury to or destruction of tangible property caused by an occurrence including loss of use thereof at any time resulting there from; or (ii) loss of use of tangible property that has not been injured or physically destroyed provided such loss of use is caused by an occurrence during the Policy Period. Key Coverage Points Coverage under this section is for bodily injury and property damage only Payment is made only for those sums that the Subscriber is legally obligated to pay Insurer is liable for payment of compensatory damages only. Punitive damage awards and other penalties are not covered by the policy Coverage is provided only for losses that occur during the policy period. Coverage applies to injuries and damage occurring during the policy period anywhere in the world. The suit for damages must be brought within Canada or the United States Insurers have the right and duty to defend any action. Subscribers have the obligation to assist and cooperate with the insurers in the settling and enforcing the coverage Insurers reserve the right to (i) investigate any claim and (ii) settle any claim or action at their discretion. Key Exclusions Bodily injury or property damage arising out of the use or operation by or on behalf of the Subscriber of an automobile, aircraft, or watercraft Bodily injury or property damage due to war Bodily injury or property damage due to terrorism Bodily injury or property damage due to pollution Bodily injury or property damage due to intentional acts, alleged criminal acts, Any obligation under Workers Compensation Disability Benefits or unemployment compensation law or similar law Loss of use of property due to delay in or lack of performance by or on behalf of the Subscriber Property damage to property owned, controlled or in the custody of the Subscriber Bodily injury or property damage due to nuclear energy liability Bodily injury or property damage due to fungi and/or mould Bodily injury or property damage due to asbestos.

5 Coverage B Personal Injury Liability Advertising Injury Liability Key Coverage Points Personal Injury and Advertising Injury is defined to mean injury, other than bodily injury, arising out of one or more of the following offences: False arrest, wilful or wrongful detention or imprisonment Malicious prosecution Oral or written publication of material that violates a person s right of privacy Oral or written publication of material that slanders or libels a person or organization or disparages a person s or organization s goods, products or services Infringement of copyright Misappropriation of advertising ideas or style of doing business Key Exclusions Any oral or written publication of material which is known to be false at the time it is made is not insured by the policy. Any wilful violation of a law Liability assumed under contract Coverage C Incidental Medical Malpractice Injury Liability Provides coverage for administering, dispensing, rendering or the failing to administer or render medical, surgical, dental, psychiatric or nursing or other treatment or supplies. By a person who is not engaged in the business or occupation or profession of providing any of the services described.

6 PART 2 EDUCATIONAL ERRORS & OMISSIONS ASBIE agrees to pay on behalf of the Subscriber all sums that they are legally obligated to pay with respect to a Wrongful Act, as defined. Key Definitions Administrative Services means any act, decision or exercise of discretion or prerogative or any service legally rendered by persons elected to the Educational Entity s board or legally appointed to administrative functions or to boards, committees, commissions, or administrative assemblies, as set up by law or under the authority of the Education Entity, when acting within the scope of their functions concerning the general administration of the Educational Entity, including in particular but not limited to the administration of finances and funds, the receiving of revenues and the paying of expenses, the awarding or approval of contracts, submissions, agreements or any other task carried out on behalf of the Educational Entity. Abuse shall mean physical abuse, mental abuse, sexual abuse and assault and battery. Claim means any judicial or administrative proceeding initiated against any Subscriber or institution for Damages or other relief. Educational Entity means the entity named in the Declarations and any subsidiary and / or affiliated entities or associations of the Educational Entity named or endorsed hereto. Educational Services means all services legally provided by the Educational Entity in the fields of culture, education and research. Subscriber means any one or more Subscriber Persons and/or the Educational Entity and also includes: any person or persons who are directors, officers, trustees, governors, teachers, student teachers, employees (including those employed on a full time, part time or employment under contract basis), volunteers or student (including students on outside training courses authorized by the Educational Entity) of the Educational Entity, or Subscriber of any duly constituted boards, committees, commissions or administrative assemblies of the Educational Entity, all while acting within the scope of their duties as such on behalf of the Educational Entity; Wrongful Act means any actual or alleged error or misleading statement or act or omission or neglect or breach of duty by any Subscriber Person, individually or collectively, or any other matter claimed against any Subscriber Person in the discharge of an administrative board or professional decision/duty.

7 Key Coverage Points Coverage is provided only for losses that are reported during the policy period, for wrongful acts committed by and suit for damages brought against you within Canada or the United States The act, error or omission was made by someone whose acts, errors or omissions you are legally responsible for, and Arises from the Professional Services provided If it is an ongoing act, error or omission, the claim is considered to arise when the first claim is made Insurers have the right and duty to defend any action. Subscribers have the obligation to assist and cooperate with the insurers in the settling and enforcing of the coverage Insurers reserve the right to (i) investigate any claim and (ii) settle any claim or action at its discretion There is coverage for Penal Defence Costs, if you successfully defend a criminal action against you Extended reporting period of 60 days Key Exclusions Any person gaining any personal profit or advantage to which they were not legally entitled Anything that falls under personal injury, above, is not covered under this section Breach of fiduciary duties and obligations in connection with employee benefit or pension plans, fringe benefits or retirement programs Fraudulent, dishonest, criminal or other malicious wrongful acts, errors or omissions Failure to maintain insurance Anything that happened before the policy first began or that was known before the policy first began The rendering of or failure to render professional services by any architect, engineer or member of the medical profession Arising from pollution Arising from nuclear energy liability Arising from data problems, including electronic communication of data Arising from terrorism

8 Policy Endorsements The Limits of Liability with respect to these Endorsements shall be part of and not in addition to the Limits of Liability as stated in the Declarations page or in any endorsements and shall not be cumulative with any limits stated elsewhere in the Policy. 1. Employee Benefit Programs Liability ASBIE will pay all sums which you become legally obligated to pay as compensatory damages for claims made against you by an employee or former employee for injury caused by the negligent act, error or omission that you are legally liable for in the administration of Employee Benefits. Limit each claim $ 250,000 Annual aggregate, one or more subscribers $1,000, Tenants Legal Liability ASBIE will pay on your behalf all sums which you become legally obligated to pay because of property damage you cause by accident to premises leased to, rented to, or occupied by you. Limit each claim $ 250,000 Annual aggregate, one or more subscribers $1,000, (1) Direct Employer s Liability and (2) Contingent Employer s Liability ASBIE agrees to pay all sums that you become legally obligated to pay as compensatory damages because of Bodily Injury caused by accident sustained by any person and arising out of and in the course of his employment, if such employee is not covered by any Workers Compensation Act; or if they are normally covered by a Workers Compensation Act but it does not apply. ASBIE will not pay for liability assumed under contract, nor caused intentionally or by a Criminal or alleged Criminal Act, nor by Abuse. Agreement (1) or (2) Limit each claim $ 250,000 - one person or more than one person in any one accident or event - one subscriber or more than one subscriber 4. Medical Payments ASBIE will pay reasonable medical expenses incurred within one year, regardless of fault, for bodily injury caused by an accident on premises you are responsible for, to a person who is not your employee or working for you or on your behalf, or taking part in an athletic activity, or otherwise entitled to Workers Compensation. Limit per person $10,000 Limit per accident $50,000

9 5. Legal Liability for Damage to Hired Automobiles Limit any one accident $75,000 Deductible $ Wrongful Dismissal Liability ASBIE will pay damages you become legally obligated to pay, and defend you in any civil action, arising out of the alleged wrongful dismissal or other employment condition change of an employee. Warranty: You must provide full disclosure of all relevant information to qualified legal counsel, receive a written opinion from that legal counsel, and implement that opinion to effect the change in employment conditions, as a condition precedent to coverage, subject to the exclusions contained herein. Limit each claim $ 250,000 Annual aggregate, one or more subscribers $1,000,000 Deductible (minimum) $10,000 or One month s wages or salary for each year or portion employed, or An amount determined in an agreed settlement with the claimant Whichever is greater. 7. Elevator Collision Liability for liability arising out of accidental collision of the elevator car with another object. Limit any one accident $250, Forest and Prairie Protection Acts Expenses Insurance ASBIE will pay all sums you become legally obligated to pay for (i) expenses incurred by others in controlling and extinguishing fires, as imposed by any forest fire prevention act or similar legislation; or for (ii) expenses incurred by you, where you are not responsible and the expenses are not recoverable from the responsible party. Limit each claim $ 250,000 Annual aggregate, each claim, one or more subscribers $1,000,000 Deductible each accident or occurrence $ 1,000 Please note this is a coverage summary only. The policy may contain limits, warranties and exclusions that will limit the coverage available under the policy. Please refer to the actual contract of insurance for complete terms and conditions.

PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE

PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE A Stock Insurance Company, herein called the Company PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE Various provisions in this policy restrict coverage. Please read the

More information

COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM

COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM 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

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE FORM 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

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE 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

More information

RIVERPORT INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIMEN GENERAL LIABILITY BROADENING ENDORSEMENT

RIVERPORT INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIMEN GENERAL LIABILITY BROADENING ENDORSEMENT 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

More information

"Insurance Services Office, Inc. Copyright"

Insurance Services Office, Inc. Copyright 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

More information

a. Employees of the Department of Human Services in their individual capacity at the time of an occurrence covered hereinafter.

a. Employees of the Department of Human Services in their individual capacity at the time of an occurrence covered hereinafter. 1 of 5 1. Background: By virtue of the authority delegated to the Department of Administrative Services (DOAS), a Self Insurance Program to provide Broad Form State Employee Liability Coverage has been

More information

Greenwich Insurance Company (American Specialty) - General Liability National Union Fire Insurance Company Sport Accident

Greenwich Insurance Company (American Specialty) - General Liability National Union Fire Insurance Company Sport Accident 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!

More information

MANAGEMENT AND COMPANY LIABILITY COVERAGE PART

MANAGEMENT AND COMPANY LIABILITY COVERAGE PART 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

More information

USA Volleyball, United States Volleyball Association, United States Volleyball, Inc. ( USAV ), USA Volleyball Foundation

USA Volleyball, United States Volleyball Association, United States Volleyball, Inc. ( USAV ), USA Volleyball Foundation 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

More information

LIABILITY COVERAGE ENHANCEMENT General Liability Fire and Water Legal Liability Personal Liability

LIABILITY COVERAGE ENHANCEMENT General Liability Fire and Water Legal Liability Personal Liability 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

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE

EMPLOYEE BENEFITS LIABILITY COVERAGE POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 04 35 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS-MADE COVERAGE.

More information

HEALTHCARE PROVIDERS WORKPLACE LIABILITY COVERAGE PART OCCURRENCE

HEALTHCARE PROVIDERS WORKPLACE LIABILITY COVERAGE PART OCCURRENCE 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

More information

April 10, 2015 FLANNER HOUSE OF INDIANAPOLIS INC FLANNER HOUSE ELEMENTARY 2424 DR MARTIN LUTHER KING ST INDIANAPOLIS IN 46208

April 10, 2015 FLANNER HOUSE OF INDIANAPOLIS INC FLANNER HOUSE ELEMENTARY 2424 DR MARTIN LUTHER KING ST INDIANAPOLIS IN 46208 Liberty Mutual Insurance Processing Center PO Box 515097 Los Angeles, CA 90051-5097 April 10, 2015 FLANNER HOUSE OF INDIANAPOLIS INC FLANNER HOUSE ELEMENTARY 2424 DR MARTIN LUTHER KING ST INDIANAPOLIS

More information

NLC Pools Liability Coverage Documents Volunteer Coverage Definitions

NLC Pools Liability Coverage Documents Volunteer Coverage Definitions NLC Pools Liability Coverage Documents Volunteer Coverage Definitions Pool 1 The program may at their option provide additional coverage, as provided under this Program, for extraterritorial activities

More information

Directors, Officers and Corporate Liability Insurance Coverage Section. This is a Claims Made Policy. Please read it carefully.

Directors, Officers and Corporate Liability Insurance Coverage Section. This is a Claims Made Policy. Please read it carefully. Directors, Officers and Corporate Liability Insurance Coverage Section This is a Claims Made Policy. Please read it carefully. CLAIMS MADE WARNING FOR POLICY NOTICE: THIS POLICY PROVIDES COVERAGE ON A

More information

Covenants to Insure in Commercial Agreements. In House Training Seminar Presented by Satinder K. Sidhu March 8, 2013

Covenants to Insure in Commercial Agreements. In House Training Seminar Presented by Satinder K. Sidhu March 8, 2013 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

More information

Junior Volleyball Association Insurance Review

Junior Volleyball Association Insurance Review 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

More information

INVESTMENT FUND MANAGEMENT AND PROFESSIONAL LIABILITY COVERAGE PART

INVESTMENT FUND MANAGEMENT AND PROFESSIONAL LIABILITY COVERAGE PART 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.

More information

Policy Wording. Directors and Officers Liability and Company Reimbursement. Issued to Eligible Emergency Resource Providers by VMIA

Policy Wording. Directors and Officers Liability and Company Reimbursement. Issued to Eligible Emergency Resource Providers by VMIA 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

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VIRGINIA BUILDING CLEANING AND MAINTENANCE CONTRACTORS GENERAL LIABILITY BROAD FORM ENDORSEMENT ABCDEFGHIJ This endorsement modifies insurance

More information

ELECTRONIC DATA LIABILITY COVERAGE FORM

ELECTRONIC DATA LIABILITY COVERAGE FORM COMMERCIAL GENERAL LIABILITY CG 00 65 12 04 ELECTRONIC DATA LIABILITY COVERAGE FORM SECTION I THIS FORM PROVIDES CLAIMS-MADE COVERAGE PLEASE READ THE ENTIRE FORM CAREFULLY Various provisions in this policy

More information

Individual Pharmacist Professional Liability Insurance Policy

Individual Pharmacist Professional Liability Insurance Policy THIS IS A LEGAL CONTRACT -- PLEASE READ THIS CAREFULLY -- Individual Pharmacist Professional Liability Insurance Policy Table of Contents Page DEFINITIONS... 1 PROFESSIONAL LIABILITY COVERAGE... 3 SUPPLEMENTAL

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE

EMPLOYEE BENEFITS LIABILITY COVERAGE POLICY NUMBER: COMMERCIAL LIABILITY UMBRELLA CU 04 03 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS-MADE COVERAGE.

More information

Insuring Clause (B): Directors, Officers, and Trustees Indemnification Coverage

Insuring Clause (B): Directors, Officers, and Trustees Indemnification Coverage In consideration of payment of the premium and subject to the Declarations, General Terms and Conditions, limitations, conditions, provisions and other terms of this Policy, the Company and the Insureds

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

Social Workers' Professional Liability Insurance Endorsement THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Social Workers' Professional Liability Insurance Endorsement THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CH CG 24 03 02 Social Workers' Professional Liability Insurance Endorsement THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following:

More information

FIDUCIARY LIABILITY COVERAGE PART

FIDUCIARY LIABILITY COVERAGE PART 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

More information

SPECIMEN. (1) advising, counseling or giving notice to employees, participants or beneficiaries with respect to any Plan;

SPECIMEN. (1) advising, counseling or giving notice to employees, participants or beneficiaries with respect to any Plan; In consideration of payment of the premium and subject to the Declarations, limitations, conditions, provisions and other terms of this Policy, the Company and the Insureds agree as follows: I. INSURING

More information

6 Commercial General Liability Insurance

6 Commercial General Liability Insurance 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

More information

INDIAN HARBOR INSURANCE COMPANY (herein called the Company)

INDIAN HARBOR INSURANCE COMPANY (herein called the Company) INDIAN HARBOR INSURANCE COMPANY (herein called the Company) This is a claims made Policy with defense expenses included. Please read and review the Policy carefully. INSURANCE AGENTS AND BROKERS ERRORS

More information

FIDUCIARY LIABILITY COVERAGE PART

FIDUCIARY LIABILITY COVERAGE PART 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

More information

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL I. The TASB Risk Management Fund (Fund) provides coverage as outlined in this Automobile Liability & Physical Damage Coverage Agreement.

More information

EDUCATORS LEGAL LIABILITY COVERAGE PART DECLARATIONS (Claims Made Form)

EDUCATORS LEGAL LIABILITY COVERAGE PART DECLARATIONS (Claims Made Form) EDUCATORS LEGAL LIABILITY COVERAGE PART DECLARATIONS (Claims Made Form) Policy No. NAMED INSURED: ITEM 1: POLICY PERIOD: POLICY COVERS FROM: TO: 12:01 A.M. standard time at your mailing address shown above.

More information

THE COMMERCIAL GENERAL LIABILITY POLICY: A Brief Introduction for Clark Wilson LLP Clients

THE COMMERCIAL GENERAL LIABILITY POLICY: A Brief Introduction for Clark Wilson LLP Clients THE COMMERCIAL GENERAL LIABILITY POLICY: A Brief Introduction for Clark Wilson LLP Clients by Nigel Kent Clark Wilson LLP tel. 604.643.3135 npk@cwilson.com www.cwilson.com TABLE OF CONTENTS APPLICABLE

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY DELUXE ENDORSEMENT: INTEGRATED TECHNOLOGY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY DELUXE ENDORSEMENT: INTEGRATED TECHNOLOGY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY DELUXE ENDORSEMENT: INTEGRATED TECHNOLOGY This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL

More information

Insurance Summary. Produced by : B. F. Lorenzetti & Assoc. (Ontario) Inc. 1565, Carling Avenue, bureau 606 Ottawa (Ontario) K1Z 8R1

Insurance Summary. Produced by : B. F. Lorenzetti & Assoc. (Ontario) Inc. 1565, Carling Avenue, bureau 606 Ottawa (Ontario) K1Z 8R1 Insurance Summary Produced by : B. F. Lorenzetti & Assoc. (Ontario) Inc. 1565, Carling Avenue, bureau 606 Ottawa (Ontario) K1Z 8R1 September 2006 NATIONAL INSURANCE PROGRAM THE NAVY LEAGUE OF CANADA The

More information

The Solution for General Partnership Liability Coverage Part

The Solution for General Partnership Liability Coverage Part The Solution for General Partnership Liability Coverage Part In consideration of the payment of the premium and subject to the General Terms and Conditions, the Insurer and the Insureds agree as follows:

More information

HEALTH CARE PROFESSIONAL COVERAGE ENDORSEMENT

HEALTH CARE PROFESSIONAL COVERAGE ENDORSEMENT ATTACHED TO AND FORMING PART OF POLICY NUMBER: COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HEALTH CARE PROFESSIONAL COVERAGE ENDORSEMENT This endorsement

More information

NonProfit 101. Notes: Session 1B: Insurance, What you do not know can hurt you! From Survivability to Sustainability. June 10, 2015 Session 1B page 1

NonProfit 101. Notes: Session 1B: Insurance, What you do not know can hurt you! From Survivability to Sustainability. June 10, 2015 Session 1B page 1 Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 1 Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 2 June 10,

More information

CHANGE HIGHLIGHTS COMMERCIAL GENERAL LIABILITY POLICY IBC 2100 COMPARISON BETWEEN 2000-2010 FORMS (Refer to Policies for details)

CHANGE HIGHLIGHTS COMMERCIAL GENERAL LIABILITY POLICY IBC 2100 COMPARISON BETWEEN 2000-2010 FORMS (Refer to Policies for details) 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

More information

COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT

COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT The Commercial General Liability Enhancement Endorsement is an optional endorsement that provides coverage enhancements. The following is a summary

More information

3. Contract Works Insurance (Public and Products Liability)

3. Contract Works Insurance (Public and Products Liability) 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

More information

NATIONAL PANHELLENIC CONFERENCE, INC. Summary of Insurance Coverages. for. College and Alumnae Panhellenic Associations

NATIONAL PANHELLENIC CONFERENCE, INC. Summary of Insurance Coverages. for. College and Alumnae Panhellenic Associations NATIONAL PANHELLENIC CONFERENCE, INC. Summary of Insurance Coverages for College and Alumnae Panhellenic Associations June 1, 2015 June 1, 2016 Insurance Program Presented By: MJ INSURANCE Sorority Division

More information

Chapter Three - Overview of the CGL Coverage Form

Chapter Three - Overview of the CGL Coverage Form Chapter Three - Overview of the CGL Coverage Form We turn now to a brief overview of the CGL coverage form. ISO has actually developed two different CGL coverage forms the Occurrence form, and the Claims-made

More information

COMMERCIAL GENERAL LIABILITY POLICY (OCCURRENCE FORM)

COMMERCIAL GENERAL LIABILITY POLICY (OCCURRENCE FORM) COMMERCIAL GENERAL LIABILITY POLICY (OCCURRENCE FORM) 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

PUBLIC ENTITY POLICY PUBLIC OFFICIALS LIABILITY COVERAGE FORM CLAIMS MADE COVERAGE

PUBLIC ENTITY POLICY PUBLIC OFFICIALS LIABILITY COVERAGE FORM CLAIMS MADE COVERAGE A Stock Insurance Company, herein called the Company PUBLIC ENTITY POLICY PUBLIC OFFICIALS LIABILITY COVERAGE FORM CLAIMS MADE COVERAGE Various provisions in this policy restrict coverage. Please read

More information

Marine General Liability Insurance. Coverages

Marine General Liability Insurance. Coverages 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

More information

GENERAL LIABILITY - PUBLIC AND PRODUCTS LIABILITY

GENERAL LIABILITY - PUBLIC AND PRODUCTS LIABILITY GENERAL LIABILITY - The General Terms and Conditions and the following terms and conditions all apply to this section. SPECIAL DEFINITIONS FOR THIS SECTION Bodily injury Defence costs Denial of access

More information

SANTAM UMBRELLA LIABILITY

SANTAM UMBRELLA LIABILITY SANTAM UMBRELLA LIABILITY DEFINED EVENTS 1. Damages, costs, fees and expenses which the insured shall become legally liable to pay consequent upon Injury, Damage, Malice or Negligent Advice which occur

More information

Glossary of Insurance Terms

Glossary of Insurance Terms PATRIOT INSURANCE AGENCY, INC. DBA: Arizona Patriot Insurance Agency, Inc. in CA, NC,ND P.O. Box 1298 Sonoita, AZ 85637-1298 Phone: 520 455-9252 Fax: 520 455-9358 Toll Free Number: 800 859-2724 Email:

More information

Insurance 101. Presented by. The McLaughlin Company

Insurance 101. Presented by. The McLaughlin Company Insurance 101 He that scatters thorns, let him not go barefoot -Benjamin Franklin Presented by The McLaughlin Company 1725 DeSales Street, N. W. Suite 900 Washington, D. C. 20036 (202) 293-5566 (800) 233-2258

More information

STOP GAP EMPLOYERS LIABILITY COVERAGE

STOP GAP EMPLOYERS LIABILITY COVERAGE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STOP GAP EMPLOYERS LIABILITY COVERAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE

More information

CLASSIC A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM

CLASSIC A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM CLASSIC A-SIDE MANAGEMENT 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

More information

B.C. LAWYERS COMPULSORY PROFESSIONAL LIABILITY INSURANCE POLICY NUMBER: LPL 00-01-01

B.C. LAWYERS COMPULSORY PROFESSIONAL LIABILITY INSURANCE POLICY NUMBER: LPL 00-01-01 B.C. LAWYERS COMPULSORY PROFESSIONAL LIABILITY INSURANCE POLICY NUMBER: LPL 00-01-01 INSURER: THE LSBC CAPTIVE INSURANCE COMPANY LTD. (the Company ) Administrative Offices, 6th Floor, 845 Cambie Street

More information

SPECIMEN. (1) a written demand for monetary damages or non-monetary relief;

SPECIMEN. (1) a written demand for monetary damages or non-monetary relief; In consideration of payment of the premium and subject to the Declarations, General Terms and Conditions, limitations, conditions, provisions and other terms of this Policy, the Company and the Insureds

More information

SECTION 3 AWARD AND EXECUTION OF CONTRACT

SECTION 3 AWARD AND EXECUTION OF CONTRACT SECTION 3 AWARD AND EXECUTION OF CONTRACT 3.01 CONSIDERATION OF BIDS: After the Proposals are opened and read, the approximate estimated quantity of each item multiplied by the unit price bid for that

More information

INSURANCE OVERVIEW. Presented by The McLaughlin Company

INSURANCE OVERVIEW. Presented by The McLaughlin Company INSURANCE OVERVIEW Presented by The McLaughlin Company Is the Liability Loss Covered? Was policy in effect for responsible party? Does the allegation trigger coverage? Is the entity that is being asked

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

MASSACHUSETTS CUSTOMIZED PRACTICE COVERAGE TITLE INSURANCE AGENT LIABILITY COVERAGE UNIT

MASSACHUSETTS CUSTOMIZED PRACTICE COVERAGE TITLE INSURANCE AGENT LIABILITY COVERAGE UNIT (hereinafter called "the Company") MASSACHUSETTS CUSTOMIZED PRACTICE COVERAGE TITLE INSURANCE AGENT LIABILITY COVERAGE UNIT In consideration of the payment of the premium, in reliance upon the statements

More information

the predecessors in business of the said firm in respect of whom insurance coverage is expressly provided in the Schedule

the predecessors in business of the said firm in respect of whom insurance coverage is expressly provided in the Schedule PROFESSIONAL INDEMNITY ERRORS & OMISSIONS INSURANCE FOR CHARTERED ACCOUNTANTS/ FINANCIAL ACCOUNTANTS/MANAGEMENT CONSULTANTS/LAWYERS/ ADVOCATES/ SOLICITORS/ COUNSELS 1. OPERATIVE CLAUSE: WHEREAS the insured

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

LMCIT Service Contract Insurance Recommendations

LMCIT Service Contract Insurance Recommendations 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

More information

RLI Home Business Insurance Policy COVERAGE DETAILS AND EXCLUSIONS

RLI Home Business Insurance Policy COVERAGE DETAILS AND EXCLUSIONS RLI Home Business Insurance Policy COVERAGE DETAILS AND EXCLUSIONS NOTE: This document is a general analysis of the coverages, limitations and exclusions applicable to the RLI Home Business Insurance (HBI)

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

Fiduciary Liability Coverage Part

Fiduciary Liability Coverage Part Fiduciary Liability Coverage Part In consideration of the payment of the premium and subject to all terms, conditions and limitations of this Coverage Part and the General Terms and Conditions for Liability

More information

MISCELLANEOUS PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS MADE BASIS

MISCELLANEOUS PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS MADE BASIS 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

More information

COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT

COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT COMMERCIAL GENERAL LIABILITY UI GL 39 04 14 COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT The Commercial General Liability Enhancement Endorsement is an optional endorsement that provides coverage

More information

LIQUOR LIABILITY COVERAGE FORM

LIQUOR LIABILITY COVERAGE FORM COMMERCIAL GENERAL LIABILITY CG 00 34 12 07 LIQUOR LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS-MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage.

More information

Employment Practices Liability Coverage Part

Employment Practices Liability Coverage Part Employment Practices Liability Coverage Part In consideration of the payment of the premium and subject to all terms, conditions and limitations of this Coverage Part and the General Terms and Conditions

More information

MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE COVERAGE FORM

MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE COVERAGE FORM 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

More information

Insurance basics for nonprofit organizations

Insurance basics for nonprofit organizations Insurance basics for nonprofit organizations Updated: July 2012 This document is intended as general and abbreviated guidance for nonprofit organizations. Because every organization s insurance needs are

More information

Introduction to Directors and Offi cers Liability Insurance

Introduction to Directors and Offi cers Liability Insurance CHAPTER 1 Martin J. O Leary Introduction to Directors and Offi cers Liability Insurance The following is a brief, general overview of coverage afforded under the Directors and Officers Liability Insurance

More information

RESIDENT LIABILITY COVERAGE POLICY

RESIDENT LIABILITY COVERAGE POLICY 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,

More information

CORNERSTONE A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM

CORNERSTONE A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM CORNERSTONE A-SIDE MANAGEMENT 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

More information

Commercial General Liability

Commercial General Liability Commercial General Liability The words Insured and Named Insured mean any person or organization qualifying as such under SECTION II WHO IS AN INSURED. The word Insurer refers to the company providing

More information

THIS IS A CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY.

THIS IS A CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY. Wrap Miscellaneous Professional Liability SM THIS IS A CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY. I. INSURING AGREEMENTS A. The Company

More information

2015 OPTIONAL ENDORSEMENT OVERVIEW APPRAISAL ENDORSEMENT

2015 OPTIONAL ENDORSEMENT OVERVIEW APPRAISAL ENDORSEMENT RISC Rice Insurance Services Company, LLC We put the Experience and Options in E&O programs 4211 Norbourne Blvd., Louisville, KY 40207 Phone: (502) 897-1876/Toll-free: (800) 637-7319 Fax: (502) 897-7174

More information

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

COMMERCIAL GENERAL LIABILITY COVERAGE FORM POLICY NUMBER: QBAV-GL1000 (10-12) COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what

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

Basics of Municipal Insurance. MIIA Property and Casualty Group, Inc. April 6, 2016

Basics of Municipal Insurance. MIIA Property and Casualty Group, Inc. April 6, 2016 Basics of Municipal Insurance MIIA Property and Casualty Group, Inc. April 6, 2016 Liability Insurance Coverage Through MIIA Auto Liability General Liability Public Officials Liability School Board Liability

More information

PERSONAL LIABILITY COVERAGE SECTION

PERSONAL LIABILITY COVERAGE SECTION 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

More information

Specimen THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY.

Specimen THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY. MISCELLANEOUS PROFESSIONAL LIABILITY THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY. I. INSURING AGREEMENTS

More information

SCHOOL LIABILITY COVERAGE AGREEMENT

SCHOOL LIABILITY COVERAGE AGREEMENT SCHOOL LIABILITY COVERAGE AGREEMENT PART A GENERAL I. The TASB Risk Management Fund (Fund) will pay on behalf of a Covered Person amounts as outlined in this (Coverage Agreement). This coverage is contingent

More information

Real Estate Errors & Omissions Indemnity Plan

Real Estate Errors & Omissions Indemnity Plan B R I T I S H C O L U M B I A Real Estate Errors & Omissions Indemnity Plan No. RE0398 Issued by Real Estate Errors and Omissions Insurance Corporation (Herein called the Corporation ) Pursuant to the

More information

Public and Product Liability - General

Public and Product Liability - General Section 3E Public and Product Liability - General Definitions Business The business stated in the specification to this section and includes: a) the provision and management of canteen, sports, social,

More information

HOME WARRANTY Insurance Policy [VICTORIA]

HOME WARRANTY Insurance Policy [VICTORIA] HOME WARRANTY Insurance Policy [VICTORIA] In consideration of the payment by the Builder of the premiums specified in the Schedule to this policy, the Insurer will provide insurance cover to the Building

More information

What Is Business Insurance? What Does Business Insurance Cover? How Does Business Insurance Work?

What Is Business Insurance? What Does Business Insurance Cover? How Does Business Insurance Work? What Is Business Insurance? Business insurance includes a broad range of policy options designed to protect a business from financial loss. Every commercial operation has its own unique set of risks, which

More information

PERSONAL LIABILITY COVERAGE

PERSONAL LIABILITY COVERAGE FMHGL-9 This endorsement changes the Commercial Liability Ed 1.0 Coverage provided by this policy Page 1 of 7 -- PLEASE READ THIS CAREFULLY -- PERSONAL LIABILITY COVERAGE (The information required below

More information

PERSONAL LIABILITY INSURANCE POLICY

PERSONAL LIABILITY INSURANCE POLICY 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

More information

INSURANCE PROGRAM PROPOSAL

INSURANCE PROGRAM PROPOSAL INSURANCE PROGRAM PROPOSAL MAY 1, 2015 TO MAY 1, 2016 IMPORTANT: This report contains proprietary and original material which, if released, could be harmful to the competitive position of Pearson Dunn

More information

INSURANCE INDUSTRY PROFESSIONAL LIABILITY COVERAGE UNIT THIS IS A CLAIMS MADE POLICY. PLEASE READ CAREFULLY.

INSURANCE INDUSTRY PROFESSIONAL LIABILITY COVERAGE UNIT THIS IS A CLAIMS MADE POLICY. PLEASE READ CAREFULLY. INSURANCE INDUSTRY PROFESSIONAL LIABILITY COVERAGE UNIT THIS IS A CLAIMS MADE POLICY. PLEASE READ CAREFULLY. I. INSURING AGREEMENTS A. INSURANCE OPERATIONS COVERAGE. We will pay on behalf of the insured

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

Medical Liability Insurance Related Problems and Damages in Medical Malpractice Lawsuits Stephen Ballantine

Medical Liability Insurance Related Problems and Damages in Medical Malpractice Lawsuits Stephen Ballantine Medical Liability Insurance Related Problems and Damages in Medical Malpractice Lawsuits Stephen Ballantine 3 rd Arab Conference on Medical Liability Workshop 12 November 2014 1 INTRODUCTION 1. Objectives

More information

Professional Indemnity Insurance Policy

Professional Indemnity Insurance Policy Table of Contents Introduction... 1 Page Definitions... 1 Act of Terrorism... 1 Claim... 1 Documents... 1 Excess... 1 Inquiring Body... 1 Inquiry Costs... 1 Insured... 2 Insured Costs... 2 Insurer... 2

More information

LIQUOR LIABILITY COVERAGE FORM

LIQUOR LIABILITY COVERAGE FORM COMMERCIAL GENERAL LIABILITY CG 00 33 12 07 LIQUOR LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is

More information

Defense Costs means that part of Loss consisting of reasonable costs, charges, fees (including SPECIMEN

Defense Costs means that part of Loss consisting of reasonable costs, charges, fees (including SPECIMEN In consideration of payment of the premium and subject to the Declarations, General Terms and Conditions, and the limitations, conditions, provisions and other terms of this Coverage Section, the Company

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

STATUTES OF LIMITATIONS IN COLORADO

STATUTES OF LIMITATIONS IN COLORADO STATUTES OF LIMITATIONS IN COLORADO CRIMINAL Murder Kidnapping Treason Sex offense against a child Applies to offenses committed on or after July 1, 1996 Forgery solicitation to commit murder solicitation

More information

Health Professionals Insurance Plan

Health Professionals Insurance Plan Health Professionals Insurance Plan Managed by Aon New Zealand PO Box 2517, Wellington Tel (04) 819 4000 Fax (04) 819 4106 Health Professionals Insurance Plan 1. WHEREAS the person or persons named in

More information