Ontario Higher Education Risk Management Symposium. CURIE Pollution Coverage Property & Liability. May 23-24, 2013 University of Guelph

Size: px
Start display at page:

Download "Ontario Higher Education Risk Management Symposium. CURIE Pollution Coverage Property & Liability. May 23-24, 2013 University of Guelph"

Transcription

1 Ontario Higher Education Risk Management Symposium CURIE Pollution Coverage Property & Liability May 23-24, 2013 University of Guelph

2 Property (First Party) Pollution Coverage The property policy contains two pollution related endorsements that provide coverage for pollution cleanup arising from an insured physical damage loss. The two endorsements are contained in both the CURIE Primary Property Policy and the Excess Property Policy. 2

3 Property (First Party) Pollution Coverage The first endorsement Pollution Endorsement is new for 2013 and was agreed to by all excess program Insurers/Reinsurers Property Insurance Endorsement No 005 Pollution Endorsement This policy does not insure against loss or damage caused by, resulting from, contributed to or made worse by actual, alleged or threatened release, discharge, escape or disposal of contaminants or pollutions, unless as a consequence of a physical damage of the type insured by this policy. 3

4 Property (First Party) Pollution Coverage The second endorsement Asbestos Endorsement is also new on the CURIE 2013 policy. It restricts coverage for Asbestos clean up to Named Perils and only covers that part of the Asbestos which has been physically damaged by one of the Named Perils listed. PROPERTY INSURANCE GENERAL ENDORSEMENT NO 006 ASBESTOS ENDORSEMENT A. This policy insures asbestos physically incorporated in an insured building or structure, and then only that part of the asbestos which has been physically damaged during the policy period by one of these Listed Perils: Fire; Explosion; Lightning; Windstorm; Hail; Direct impact of vehicle, aircraft or vessel; Riot or civil commotion; Vandalism or malicious mischief; or accidental discharge of fire protective equipment. 4

5 Property (First Party) Pollution Coverage ENDORSEMENT NO 006 (cont d) This coverage is subject to all limitations in the policy to which this endorsement is attached and, in addition, to each of the following specific limitations: 1. The said building or structure must be insured under this policy for damage by that Listed Peril. 2. The Listed Peril must be the immediate, sole cause of the damage to the asbestos. 3. The Insured must report to Underwriters the existence and cost of the damage as soon as practicable after the Listed Peril first damaged the asbestos. However this policy does not insure any such damage first reported to Underwriters more than 12 (twelve) months after the expiration, or termination, of the policy period. 5

6 Property (First Party) Pollution Coverage ENDORSEMENT NO 006 (cont d) 4. Insurance under this policy in respect of asbestos shall not include any sum relating to: i. Any faults in the design, manufacture or installation of the asbestos. ii. Asbestos not physically damaged by the Listed Peril including any governmental or regulatory authority direction or request of whatsoever nature relating to undamaged asbestos. B. Except as set forth in the foregoing Section A, this policy does not insure asbestos or any sum relating thereto, Except as otherwise provided by this endorsement, all other terms, conditions and exclusions of the policy shall have full force and effect. 6

7 Property (First Party) Pollution Coverage Mold and Fungi While not a pollutant, mold and fungi get lumped in with pollution coverage discussions. This exclusion is also contained in the Excess Property Policy. 2.2 Perils Excluded part (c) (c) Loss or damage caused by or resulting from dampness or dryness of atmosphere, mould or fungi, wet or dry rot, heating, evaporation, marring, scratching, rust or corrosion, contamination, change in colour or finish unless such loss or damage to the property insured is caused directly by a peril not otherwise excluded herein; 7

8 Property Pollution Coverage Summary 1. Coverage for pollution clean up as a result of physical damage to property insured except 2. Asbestos clean up as a result of named perils physical damage to insured property 3. Mold and Fungi excluded 8

9 CURIE Primary Policy ($5 Million) The Pollution Coverage section is a very lengthy standard industry pollution section (mandatory language). The important part is that the whole clause is substituted by the exception (as highlighted) this removes the 120 hour detection, 120 hour reporting requirement. 9

10 3.7 POLLUTION LIABILITY EXCLUSION This insurance does not apply to: a) "Bodily Injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal or escape of pollutants: (i) (ii) (iii) (iv) at or from premises owned, rented or occupied by the Insured; at or from any site or location used by the Insured or others for the handling, storage, disposal, processing or treatment of waste which are at any time transported, handled, stored, treated, disposed of, or processed as waste by or for the Insured or any person or organization for whom the Insured may be legally liable; at or from any site or location on which the insured or any contractors or subcontractors working directly or indirectly on behalf of the Insured are performing operations: 1) if the pollutants are brought on or to the site or location in connection with such operations; or 2) if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, the pollutants. b) Any loss, cost, or expense arising out of any governmental direction or request that the Insured test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants. 10

11 POLLUTION LIABILITY (cont d) Sub-paragraphs (i) and (iv) (1) of paragraph (a) of this exclusion do not apply to "bodily injury" or "property damage" caused by: (a) (b) heat, smoke or fumes from a hostile fire. As used in this exclusion, a "hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be. an unexpected or unintentional discharge, dispersal, release or escape of pollutants provided such discharge, dispersal, release or escape of pollutants: (1) results in the injurious presence of pollutants in or upon land, the atmosphere, drainage or sewage system, watercourse or body of water; and (2) is detected within 120 hours after the commencement of the discharge, dispersal, release or escape; and (3) is reported to C.U.R.I.E. within 120 hours of being detected; and (4) does not occur in a quantity or with a quality that is routine or usual to the business of the Insured. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapour, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 11

12 POLLUTION LIABILITY (cont d) It is agreed that this entire exclusion shall not apply to any actual, alleged or threatened discharge, dispersal, release or escape which is sudden and accidental, subject, however, to the reduced Limits of Liability as stated hereunder: It is agreed that the Limits of Liability stated in item 3 of the Declarations, are amended to read as follows in respect to liability for the actual, alleged or threatened discharge, dispersal, release or escape of any solid, liquid, gaseous, or thermal irritant or contaminant, including but not limited to smoke, vapour, soot, fumes, acids, alkalis, chemicals and waste, including as waste, materials to be recycled, reconditioned or reclaimed, which is sudden and accidental: 3. Limit of Liability $5,000,000 per occurrence $5,000,000 aggregate for Products Hazard 12

13 First Excess Liability Policy - $20 Million Excess of $5 Million This policy contains the standard IBC 120 hour detection 120 hour reporting requirement It starts out by taking cover away and the giving it back (with conditions). 13

14 FIRST EXCESS LIABILITY INSURANCE GENERAL ENDORSEMENT NO 007 It is agreed that item 3(a) Environmental Exclusion, is deleted and replaced by the following: Limited Pollution Liability Coverage Exclusion This Policy does not apply to: A. "Bodily injury", "personal injury", or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, release or escape of pollutants: 1) At or from premises owned, rented or occupied by an Insured; 2) At or from any site or location used by or for an Insured or by others for the handling, storage, disposal, processing or treatment of waste; 3) Which are at any time transported, handled, stored, treated, disposed of, or processed as waste by or for an Insured or any person or organization for whom the Insured may be legally responsible; or 4) At or from any site or location on which an Insured or any contractors, or subcontractors working directly or indirectly Insured are performing operations: a) on behalf of an if the pollutants are brought on or to the site or location in connection with such operations; or b) if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize the pollutants. 14

15 ENDORSEMENT NO 007 (cont d) B. Any loss, cost, or expense arising out of any governmental direction or request that an Insured test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants. C. Fines, penalties, punitive or exemplary damages arising directly or indirectly out of the discharge, dispersal, release or escape of any pollutants. Sub-paragraphs 1) and 4 a) of paragraph A of this exclusion do not apply to "bodily injury" or " property damage" caused by: i) heat, smoke or fumes from hostile fire. As used in this exclusion, a "hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be. ii) An unexpected or unintentional discharge, dispersal, release or escape of pollutants provided such discharge, dispersal, release or escape of pollutants. a) results in the injurious presence of any pollutants in or upon land, the atmosphere, drainage or sewage system, watercourse or body of water; and b) is detected within 120 hours after the commencement of the discharge, dispersal, release or escape; and c) is reported to us within 120 hours of being detected; and d) does not occur in a quantity or with a quality that is routine or usual to the business of the Insured. 15

16 ENDORSEMENT NO 007 (cont d) "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. It is agreed that if the pollution exclusion in the underlying insurance is more restrictive than the exclusion herein, this policy shall follow the pollution exclusion of the underlying insurance. Except as otherwise provided by this endorsement, all other terms, conditions and exclusions of the policy shall have full force and effect. 16

17 Fungi Exclusion This is an absolute exclusion **The CURIE Primary $5 Million policy does not contain such an exclusion. FIRST EXCESS LIABILITY INSURANCE GENERAL ENDORSEMENT NO 003 Fungi and Fungal Derivatives Exclusion This insurance shall not apply to: a. Any actual or alleged liability arising directly or indirectly, from the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, presence of, spread of, reproduction, discharge or other growth of any "fungi or "spores" however caused, including any costs or expenses incurred to prevent, respond to, test for, monitor, abate, mitigate, remove, cleanup, contain, remediate, treat, detoxify, neutralize, assess or otherwise deal with or dispose of "fungi or " spores"; or 17

18 ENDORSEMENT NO 003 (cont d) b. any supervision, instructions, recommendations, warnings, or advice given or which should have been given in connection with a. above; or c. any obligation to pay damages, share damages with or repay someone else who must pay damages because of such injury or damage referred to in a. or b. above. This exclusion applies regardless of the cause of the loss or damage, other causes of the injury, damage, expense or costs or whether other causes acted concurrently or in any sequence to produce the injury, damage, expenses or costs. For the purpose of this endorsement, the following definitions are added: "Fungi" includes, but is not limited to, any form or type of mould, yeast, mushroom or mildew whether or not allergenic, pathogenic or toxigenic, and any substance, vapour or gas produced by, emitted from or arising out of any "Fungi" or "Spores" or resultant mycotoxins, allergens, or pathogens. "Spores" includes, but is not limited to, any reproductive particle or microscopic fragment produced by, emitted from or arising out of any "fungi". It is further agreed that if the Fungi & Fungal Derivatives exclusion in the underlying insurance is more restrictive than the exclusion herein, this Policy shall follow the fungi and fungal derivatives exclusion of the underlying insurance. 18

19 Asbestos Exclusion Again this is an absolute exclusion The CURIE Primary Policy does not have this exclusion and we would deal with this type of claim under our pollution coverage extension of our policy i.e. a sudden and accidental release of asbestos would fall within the coverage and limit of the Primary Policy. FIRST EXCESS LIABILITY INSURANCE GENERAL ENDORSEMENT NO 004 Asbestos Exclusion It is hereby understood and agreed that this insurance shall not apply to and does not cover any actual or alleged liability whatsoever for any claim or claims in respect of loss or losses, damage, cost or expense directly or indirectly caused by, resulting from or in consequence of, or in any way involving asbestos, or any materials containing asbestos in whatever form or quantity. This exclusion applies regardless of any other contributing or aggravating cause or event that contributes concurrently or in any sequence to the loss, damage, cost or expense. It is further agreed that if the Asbestos Exclusion in the underlying insurance is more restrictive than the exclusion herein, the Policy shall follow the Asbestos Exclusion of the underlying insurance. 19

20 Second Excess Liability Policy - $5 Million Excess of $25 Million This policy is a follow form contract and the Pollution and Asbestos exclusions would follow the First Excess policy terms. The Fungi and Bacteria Exclusion is unique to the Second Excess Policy in that is specifically excludes loss arising from Bacteria hazard (with food and beverage exception) 20

21 This Endorsement Changes the Policy. Please Read it Carefully. FUNGI AND BACTERIA EXCLUSION It is agreed that regardless of whether or not coverage is afforded in the controlling underlying insurance, this policy does not apply to any claim, suit, demand or loss that alleges injury or damage that, in any way, in whole or in part, arises out of, relates to or results from the fungi or bacteria hazard. This exclusion includes, but is not limited to, compliance with any request, demand, order, or statutory or regulatory requirement, or any other action authorized or required by law, or any other claim, suit, demand, loss, cost, or expense arising out of, relating to or resulting from the investigation of, abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to, or assessing the effects of fungi or bacteria, as well as any loss, costs, fees, expenses, penalties, judgments, fines, or sanctions arising out of, relating thereto or resulting therefrom. 21

22 FUNGI AND BACTERIA EXCLUSION (cont d) This exclusion does not apply to any fungi or bacteria that are on or are contained in food or beverages. As used in this exclusion, fungi or bacteria hazard means: 1. Actual, alleged or threatened exposure to, consumption of, ingestion of, inhalation of, absorption of, existence of or presence of, fungi or bacteria in any manner or form whatsoever; or 2. The actual or alleged failure to warn, advise or instruct related to fungi or bacteria in any manner or form whatsoever; or 3. The actual or alleged failure to prevent exposure to fungi or bacteria in any manner or form whatsoever; or 4. The actual or alleged presence of fungi or bacteria in any manner or form whatsoever, in any place whatsoever, whether or not within a building or structure, including its contents. 22

23 FUNGI AND BACTERIA EXCLUSION (cont d) As used in this exclusion, fungi or bacteria include, without limitation, mold, mildew, yeast, spores, mycotoxins, endotoxins, or other pathogens, as well as any particulates or byproducts of any of the foregoing, either directly or indirectly. This policy will not recognize reduction or exhaustion of the underlying insurance by any claim or suit or payment of loss, cost or expense excluded by this endorsement. All other terms and conditions of this Policy remain unchanged. 23

24 Liability Pollution Coverage Summary 1. CURIE Primary $5 Million Sudden and accidental coverage with no fungi and mold exclusion and no asbestos exclusion. 2. First Excess $20 Million Excess of $5 Million Sudden and accidental with detection and reported limits, with fungi and mold exclusion and asbestos exclusion. 3. Second Excess $5 Million Excess of $25 Million Sudden and accidental with detection and reporting time limits and with fungi, mold and partial bacteria exclusion and asbestos exclusion. 24

25

Form #100 (Rev. November 19, 2015) Standard Schedule of Endorsements

Form #100 (Rev. November 19, 2015) Standard Schedule of Endorsements Form #100 (Rev. November 19, 2015) Standard Schedule of Endorsements The following endorsements and clauses apply to the property coverage of the attached policy, where property insurance is provided as

More information

EXCESS PROPERTY COVERAGE FORM

EXCESS PROPERTY COVERAGE FORM EXCESS PROPERTY COVERAGE FORM Words and phrases that appear in quotation marks have special meanings and are defined in Paragraph D. Definitions of this contract. SECTION I - COVERAGES 1. EXCESS COVERAGE

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

國 泰 產 物 Comprehensive General Liability Policy. Endorsement

國 泰 產 物 Comprehensive General Liability Policy. Endorsement 備 查 文 號 :103. 103.09.15 (103) 企 字 第 200-52 524 號 免 費 申 訴 電 話 :0800 0800-036 036-599 國 泰 產 物 Comprehensive General Liability Policy Endorsement ENDORSEMENT LIST 1. Combined Single Limit Endorsement 2. Deductible

More information

2015 Liability Protection Agreement Schedule B of the Reciprocal Insurance Exchange Agreement

2015 Liability Protection Agreement Schedule B of the Reciprocal Insurance Exchange Agreement 2015 Liability Protection Agreement Schedule B of the Reciprocal Insurance Exchange Agreement Table of Contents Table of Contents... i DECLARATIONS PAGE... 1 Agreement Preamble... 1 Insured Party... 1

More information

PUBLIC LIABILITY INSURANCE

PUBLIC LIABILITY INSURANCE PUBLIC LIABILITY INSURANCE This Policy does not provide insurance for Products or goods supplied in the course of the Insured s principal business activity. RoyalStar Assurance Ltd. P. O. Box N-4391 P.

More information

The Texas A&M University System Auto Liability Plan

The Texas A&M University System Auto Liability Plan The Texas A&M University System Auto Liability Plan Page 1 Tuesday, September 28, 2010 Table of Contents I. Automobile Liability...3 II. III. IV. Rental Vehicles.4 Personal Autos..4 Plan Exclusions.4 V.

More information

Sterling Education Seminar. Business Liability Insurance. Alexandrea L. Isaac Hartford, CT Sept. 20, 2011

Sterling Education Seminar. Business Liability Insurance. Alexandrea L. Isaac Hartford, CT Sept. 20, 2011 Sterling Education Seminar Business Liability Insurance Alexandrea L. Isaac Hartford, CT Sept. 20, 2011 Various Types: Commercial Property Owner s Liability Policy Products Liability Policy Commercial

More information

NH POLICY CUSTOMIZATIONS

NH POLICY CUSTOMIZATIONS BUSINESSOWNER S BP 99 NH 04 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NH POLICY CUSTOMIZATIONS This endorsement modifies insurance provided under the following: BUSINESSOWNER S

More information

Public Liability Insurance

Public Liability Insurance Public Liability Insurance This is a Claims Made Policy. This Policy covers only claims notified to the Company during the Period of Insurance. The Limit of Indemnity applies to all damages and costs and

More information

Commercial General Liability

Commercial General Liability PREMIUM COMPUTATION ENDORSEMENT MINIMUM AND DEPOSIT PREMIUM MINIMUM EARNED PREMIUM The Deposit Premium is an estimated premium only. The final premium will be calculated according to the premium audit

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

Caunce O Hara & Company Ltd Tel: 0161 833 2100 Fax: 0161 839 2100. General Liability Policy For Recruitment Agencies

Caunce O Hara & Company Ltd Tel: 0161 833 2100 Fax: 0161 839 2100. General Liability Policy For Recruitment Agencies Caunce O Hara & Company Ltd Tel: 0161 833 2100 Fax: 0161 839 2100 General Liability Policy For Recruitment Agencies Definitions Underwriters have set out below definitions of certain words or phrases that

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

SOLICITORS EXCESS PROFESSIONAL INDEMNITY INSURANCE POLICY

SOLICITORS EXCESS PROFESSIONAL INDEMNITY INSURANCE POLICY SOLICITORS EXCESS PROFESSIONAL INDEMNITY INSURANCE POLICY DECLARATIONS Policy Number: Chubb Insurance Company of Europe SE (herein called the Company ) Item 1. Policyholder: Address Item 2. Limit of Liability:

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

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

SECTION III - COMMERCIAL GENERAL LIABILITY

SECTION III - COMMERCIAL GENERAL LIABILITY SECTION III - COMMERCIAL GENERAL LIABILITY Throughout this Section III the words "you" and "your" refer to the "Named Insured". The words "we", "us" and "our" refer to the insurer providing this insurance.

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

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

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

EXHIBIT D. Insurance Requirements

EXHIBIT D. Insurance Requirements EXHIBIT D Insurance Requirements A. Prior to commencement of the Work, Sub-Subcontractor will at its sole cost secure/procure, pay for and maintain in full force and effect, at all times during the performance

More information

NON-TRUCKING LIABILITY COVERAGE FORM

NON-TRUCKING LIABILITY COVERAGE FORM NON-TRUCKING LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties, and what is not covered. SECTION I - COVERED TRUCKS

More information

1. MONTANA RAIL LINK AND BNSF RAILWAY COMPANY INSURANCE REQUIREMENTS

1. MONTANA RAIL LINK AND BNSF RAILWAY COMPANY INSURANCE REQUIREMENTS 1. MONTANA RAIL LINK AND BNSF RAILWAY COMPANY INSURANCE REQUIREMENTS Indemnify, defend and hold harmless Montana Rail Link (MRL), BNSF Railway Company (BNSF) and any other railroad company, occupying or

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

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

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

HDFC CHUBB GENERAL INSURANCE COMPANY LIMITED PRODUCTS LIABILITY INSURANCE POLICY

HDFC CHUBB GENERAL INSURANCE COMPANY LIMITED PRODUCTS LIABILITY INSURANCE POLICY 1. OPERATIVE CLAUSE HDFC CHUBB GENERAL INSURANCE COMPANY LIMITED PRODUCTS LIABILITY INSURANCE POLICY WHEREAS the Insured named in the Schedule hereto and carrying on the Business described 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

RLI Insurance Company Peoria, Illinois 61615 A Stock Insurance Company. Personal Umbrella Liability Policy SPECIMEN

RLI Insurance Company Peoria, Illinois 61615 A Stock Insurance Company. Personal Umbrella Liability Policy SPECIMEN Policy Number: RLI Insurance Company Peoria, Illinois 61615 A Stock Insurance Company Personal Umbrella Liability Policy STATE OF NEW YORK AMENDATORY ENDORSEMENT In accordance with the laws and regulations

More information

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

COMMERCIAL GENERAL LIABILITY COVERAGE FORM COMMERCIAL GENERAL 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 this

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

Property Insurance. Endorsement. Policy Period. Effective Date. Policy Number. Insured. Name of Company. Date Issued

Property Insurance. Endorsement. Policy Period. Effective Date. Policy Number. Insured. Name of Company. Date Issued Policy Period Insured Name of Company Date Issued This applies to the following forms: SCHEDULE Form 80-02-1361 (Rev. 7-03) Page 1 Property (continued) Additional Exclusions Under Additional Exclusions,

More information

Payment Bond Department of Environment and Conservation, Division of Solid Waste Management, Hazardous Waste Program

Payment Bond Department of Environment and Conservation, Division of Solid Waste Management, Hazardous Waste Program Payment Bond Department of Environment and Conservation, Division of Solid Waste Management, Hazardous Waste Program A surety bond, as specified in Rule 0400-12-01-.05(8)(n)9 or part (n)9 of this paragraph,

More information

WRAP-UP LIABILITY COVERAGE FORM

WRAP-UP LIABILITY COVERAGE FORM WRAP-UP 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 this policy

More information

ROOFING CONTRACTORS LIABILITY APPLICATION. Name of Applicant: Names of Principals: Address: Previous Insurer and last term Insured:

ROOFING CONTRACTORS LIABILITY APPLICATION. Name of Applicant: Names of Principals: Address: Previous Insurer and last term Insured: #103-8411 200 th STREET, LANGLEY, BC V2Y 0E7 TELEPHONE: (604)888-0050 FAX: (604)888-1008 ROOFING CONTRACTORS LIABILITY APPLICATION Date: Broker: Name of Applicant: Names of Principals: _ Address: Phone

More information

ADVISORY NOTICE TO POLICYHOLDERS COVERAGE RESTRICTIONS, NEUTRAL CHANGES AND COVERAGE ENHANCEMENTS

ADVISORY NOTICE TO POLICYHOLDERS COVERAGE RESTRICTIONS, NEUTRAL CHANGES AND COVERAGE ENHANCEMENTS ADVISORY NOTICE TO POLICYHOLDERS COVERAGE RESTRICTIONS, NEUTRAL CHANGES AND COVERAGE ENHANCEMENTS This notice has been prepared in conjunction with the implementation of changes to your policy. It contains

More information

Filing at a Glance. General Information

Filing at a Glance. General Information SERFF Tracking Number: WESA-125384771 State: Arkansas Filing Company: United States Liability Insurance Company State Tracking Number: #26179 $50 Company Tracking Number: TOI: 17.0 Other Liability - Claims

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

ALLIANT INSURANCE SERVICES, INC. PUBLIC ENTITY PROPERTY INSURANCE PROGRAM (PEPIP)

ALLIANT INSURANCE SERVICES, INC. PUBLIC ENTITY PROPERTY INSURANCE PROGRAM (PEPIP) ALLIANT INSURANCE SERVICES, INC. PUBLIC ENTITY PROPERTY INSURANCE PROGRAM (PEPIP) Claim notifications need to be sent to Bob Frey, Diana Walizada and Cathryn O Meara. In the event this is a Cyber loss

More information

FEDERAL EMPLOYEE PROFESSIONAL LIABILITY INSURANCE POLICY CERTIFICATE (CLAIMS MADE & REPORTED)

FEDERAL EMPLOYEE PROFESSIONAL LIABILITY INSURANCE POLICY CERTIFICATE (CLAIMS MADE & REPORTED) FEDERAL EMPLOYEE PROFESSIONAL LIABILITY INSURANCE POLICY CERTIFICATE (CLAIMS MADE & REPORTED) This Policy covers Claims first made against you and reported to us in writing during the Policy Period. Certain

More information

COMMERCIAL GENERAL LIABILITY AND POLLUTION LEGAL LIABILITY COVERAGE FORM

COMMERCIAL GENERAL LIABILITY AND POLLUTION LEGAL LIABILITY COVERAGE FORM COMMERCIAL GENERAL LIABILITY AND POLLUTION LEGAL LIABILITY COVERAGE FORM COVERAGE D PROVIDES CLAIMS MADE AND REPORTED COVERAGE, AND HAS REPORTING REQUIREMENTS DIFFERENT FROM THOSE FOR COVERAGES A, B AND

More information

Environmental Insurance Basics for the Airport Risk Manager. Veronica W. Benzinger Chief Broking Officer, Aon Environmental January 10, 2013

Environmental Insurance Basics for the Airport Risk Manager. Veronica W. Benzinger Chief Broking Officer, Aon Environmental January 10, 2013 Environmental Insurance Basics for the Airport Risk Manager Veronica W. Benzinger Chief Broking Officer, Aon Environmental January 10, 2013 1 Airport Environmental Risks This presentation will look to

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

MISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1.2. Defence Costs Underwriters agree to pay all Defence Costs as defined below.

MISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1.2. Defence Costs Underwriters agree to pay all Defence Costs as defined below. MISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1. INSURING AGREEMENTS 1.1 Insuring Clause Whereas the company, partnership or firm as stated in Item 1 of the Schedule (the Named Insured

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

COMPREHENSIVE LIABILITY POLICY DECLARATIONS PAGE

COMPREHENSIVE LIABILITY POLICY DECLARATIONS PAGE ISSUED BY THE STOCK INSURANCE COMPANY HEREIN CALLED THE COMPANY NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. 13072 INCORPORATED UNDER THE LAWS OF PENNSYLVANIA Member Companies of American International

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

SPECIMEN MARKEL AMERICAN INSURANCE COMPANY. Special Event Liability Insurance

SPECIMEN MARKEL AMERICAN INSURANCE COMPANY. Special Event Liability Insurance MARKEL AMERICAN INSURANCE COMPANY Special Event Liability Insurance Administrative Offices P.O. Box 906 Pewaukee, WI 53072-0906 800-236-2862 EVL100-0708 Page 1 of 8 SPECIAL EVENT LIABILITY INSURANCE Section

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

BERKLEY MEDICAL EXCESS UNDERWRITERS, LLC on Behalf of Berkley Insurance Company CERTIFICATE OF FACULTATIVE REINSURANCE

BERKLEY MEDICAL EXCESS UNDERWRITERS, LLC on Behalf of Berkley Insurance Company CERTIFICATE OF FACULTATIVE REINSURANCE BERKLEY MEDICAL EXCESS UNDERWRITERS, LLC on Behalf of Berkley Insurance Company CERTIFICATE OF FACULTATIVE REINSURANCE I. Declarations (the Reinsured ) (the Reinsurer ) Certificate No. Name of Original

More information

1. Insuring Agreement

1. Insuring Agreement CERTIFIED SAFETY INSTRUCTORS BODILY INJURY, PROPERTY DAMAGE AND PROFESSIONAL LIABILITY NOTICE OF INSURANCE UNDERWRITTEN BY CERTAIN UNDERWRITERS AT LLOYD S, LONDON NATIONAL RIFLE ASSOCIATION OF AMERICA

More information

Pending Legislation Could Heighten Liability and Loss Associated With Mold

Pending Legislation Could Heighten Liability and Loss Associated With Mold MOLD CLAIMS: A BASIC FRAMEWORK FOR FINDING COVERAGE UNDER COMMERCIAL PROPERTY AND GENERAL LIABILITY POLICIES, by Whitney E. Stein, Copyright 2001 Insurance Law Group, Inc. The presence of mold at toxic

More information

COMMERCIAL GENERAL LIABILITY - OCCURRENCE BASIS

COMMERCIAL GENERAL LIABILITY - OCCURRENCE BASIS COMMERCIAL GENERAL LIABILITY - OCCURRENCE BASIS Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as

More information

PEPIP Pollution: Essential Loss Reporting Practices

PEPIP Pollution: Essential Loss Reporting Practices PEPIP Pollution: Essential Loss Reporting Practices We are pleased to provide you with the attached document titled PEPIP Pollution Essential Loss Reporting Practices. These four pages outline the steps

More information

LIMITED POLLUTION LIABILITY INSURANCE

LIMITED POLLUTION LIABILITY INSURANCE LIMITED POLLUTION LIABILITY INSURANCE Throughout this Rider the words you and your refer to the Named Insured shown on the Coverage Summary page. The words we, us and our refer to the Insurer. The word

More information

Local Community General Liability Insurance Policy

Local Community General Liability Insurance Policy SECTION I COVERAGES COVERAGE A BODILY INJURY and PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as "compensatory damages" because

More information

COMMERCIAL GENERAL LIABILITY DECLARATIONS

COMMERCIAL GENERAL LIABILITY DECLARATIONS Policy No. GL 957-51-60 CG DS 01 10 01 Renewal of No. GL 726-69-30 Coverage is provided by National Union Fire Insurance Company of Pittsburgh, PA. (a capital stock company) 175 Water Street, New York,

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

ERRORS AND OMISSIONS COVERAGE FORM

ERRORS AND OMISSIONS COVERAGE FORM ERRORS AND OMISSIONS COVERAGE FORM Various provisions in this Coverage Part restrict coverage. Read the entire Coverage Part carefully to determine rights, duties, and what is and is not covered. Throughout

More information

PUBLIC LIABILITY INSURANCE POLICY

PUBLIC LIABILITY INSURANCE POLICY PUBLIC 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 of

More information

CARRIER AND COURIER LIABILITY INSURANCE POLICY WHEREAS the Insured named in the schedule here to carrying or the business of Common Carriers and none

CARRIER AND COURIER LIABILITY INSURANCE POLICY WHEREAS the Insured named in the schedule here to carrying or the business of Common Carriers and none CARRIER AND COURIER LIABILITY INSURANCE POLICY WHEREAS the Insured named in the schedule here to carrying or the business of Common Carriers and none other for the purpose of this insurance has by a proposal

More information

BUILDERS RISK COVERAGE FORM

BUILDERS RISK COVERAGE FORM BUILDERS RISK COVERAGE FORM COMMERCIAL PROPERTY CP 00 20 04 02 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

More information

Corporate Guarantee for Liability Coverage Department of Environment and Conservation, Division of Solid Waste Management, Hazardous Waste Program

Corporate Guarantee for Liability Coverage Department of Environment and Conservation, Division of Solid Waste Management, Hazardous Waste Program Corporate Guarantee for Liability Coverage Department of Environment and Conservation, Division of Solid Waste Management, Hazardous Waste Program A guarantee, as specified in Rule 0400-12-01-.05(8)(n)7

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

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

Contractors Pollution Liability Insurance Policy

Contractors Pollution Liability Insurance Policy Illinois Union Insurance Company Contractors Pollution Liability Insurance Policy Occurrence Based Coverage This Policy is issued by the stock insurance company listed above (herein called the Insurer

More information

EXTRA EXPENSE COVERAGE FORM

EXTRA EXPENSE COVERAGE FORM EXTRA EXPENSE COVERAGE FORM COMMERCIAL PROPERTY CP 00 50 06 07 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

More information

THE INSURANCE INSTITUTE OF CANADA Addendum September 2011 C13 Insurance Against Liability Part 1

THE INSURANCE INSTITUTE OF CANADA Addendum September 2011 C13 Insurance Against Liability Part 1 THE INSURANCE INSTITUTE OF CANADA Addendum September 2011 C13 Insurance Against Liability Part 1 (To be used with 2011 edition of student resource guide) Student Resource Guide, Appendix The attached policy

More information

BUILDERS RISK COVERAGE FORM

BUILDERS RISK COVERAGE FORM CP 00 20 06 95 BUILDERS RISK COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties what is is not covered. Throughout this policy

More information

Business Insurance Professional indemnity section for recruitment professionals

Business Insurance Professional indemnity section for recruitment professionals Business Insurance Professional indemnity section for recruitment professionals Contents of this section Important information about this cover 1 Meaning of defined terms 2 What is covered 4 What is not

More information

SECTION V - COMMERCIAL UMBRELLA COVERAGE

SECTION V - COMMERCIAL UMBRELLA COVERAGE SECTION V - COMMERCIAL UMBRELLA COVERAGE Throughout this Section V the words "you" and "your" refer to the "Named Insured". The words "we", "us" and "our" refer to the insurer providing this insurance.

More information

Required Insurance Language for PRF Construction Contracts

Required Insurance Language for PRF Construction Contracts Required Insurance Language for PRF Construction Contracts When working with legal counsel to affect a construction contract for new construction or for build-outs the Purdue Risk Management Department

More information

WORDS AND PHRASES THAT APPEAR IN QUOTATION MARKS HAVE A SPECIAL MEANING AS DESCRIBED IN THE DEFINITIONS SECTION OF THIS FORM

WORDS AND PHRASES THAT APPEAR IN QUOTATION MARKS HAVE A SPECIAL MEANING AS DESCRIBED IN THE DEFINITIONS SECTION OF THIS FORM Intact Insurance Company Commercial General Liability Max WORDS AND PHRASES THAT APPEAR IN QUOTATION MARKS HAVE A SPECIAL MEANING AS DESCRIBED IN THE DEFINITIONS SECTION OF THIS FORM SECTION I COVERAGES

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

PERSONAL LIABILITY COVERAGE

PERSONAL LIABILITY COVERAGE AAIS -- THIS IS A LEGAL CONTRACT -- PLEASE READ IT CAREFULLY GL-1 Ed 1.0 PERSONAL LIABILITY COVERAGE TABLE OF CONTENTS Agreement...1 Definitions...2 Principal Personal Liability Coverages Coverage L --

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

"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

Offices 580 Walnut Street Cincinnati, Ohio 45202 Tel: 1-513-369-5000 ABCDAdministrative CM 76 77 (Ed. 07 04) MOTOR TRUCK CARGO COVERAGE FORM (Carriers' Liability) Various provisions in this policy restrict

More information

BUSINESS INCOME COVERAGE FORM AMENDATORY ENDORSEMENT

BUSINESS INCOME COVERAGE FORM AMENDATORY ENDORSEMENT BUSINESS INCOME COVERAGE FORM AMENDATORY ENDORSEMENT Various provisions in this policy restrict coverage. Read the entire policy carefully to determine the rights, duties, and what is and is not covered.

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

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

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

College of Veterinary Medicine Student Professional Liability Insurance Policy

College of Veterinary Medicine Student Professional Liability Insurance Policy College of Veterinary Medicine Student Professional Liability Insurance Policy This policy is an Occurrence Policy. Read the entire policy carefully to determine rights, duties and what is and what is

More information

Case 1:16-cv DLC Document 1 Filed 06/27/16 Page 1 of 14

Case 1:16-cv DLC Document 1 Filed 06/27/16 Page 1 of 14 Case 1:16-cv-05005-DLC Document 1 Filed 06/27/16 Page 1 of 14 UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF NEW YORK ---------------------------------------------------------~---------)( CERTAIN UNDERWRITERS

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

MAIN CIVIL WORKS CONTRACT SCHEDULE 13 INSURANCE TABLE OF CONTENTS

MAIN CIVIL WORKS CONTRACT SCHEDULE 13 INSURANCE TABLE OF CONTENTS MAIN CIVIL WORKS CONTRACT SCHEDULE 13 INSURANCE TABLE OF CONTENTS 1 INTERPRETATION... 1 1.1 Definitions... 1 2 CONTRACTOR PROVIDED INSURANCE COVERAGE... 1 3 BC HYDRO PROVIDED INSURANCE COVERAGE... 2 4

More information

CONTRACTOR S POLLUTION LEGAL LIABILITY POLICY

CONTRACTOR S POLLUTION LEGAL LIABILITY POLICY CONTRACTOR S POLLUTION LEGAL LIABILITY POLICY Period of Insurance Enter Inception Date Enter Expiry Date Named Insured Enter Name of Insured Enter Address of Insured Enter Address of Insured Policy Number

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

Pension and Welfare Benefit Plan

Pension and Welfare Benefit Plan Pension and Welfare Benefit Plan Fiduciary Liability Insurance Policy Executive Risk Indemnity Inc. Home Office: 2711 Centerville Road, Suite 400 Wilmington, DE 19808 Administrative Offices/Mailing Address:

More information

THIS POLICY IS NOT COMPLETE WITHOUT A DECLARATIONS PAGE. RLI Insurance Company Peoria, Illinois 61615 A Stock Insurance Company SPECIMEN

THIS POLICY IS NOT COMPLETE WITHOUT A DECLARATIONS PAGE. RLI Insurance Company Peoria, Illinois 61615 A Stock Insurance Company SPECIMEN Policy Number: THIS POLICY IS NOT COMPLETE WITHOUT A DECLARATIONS PAGE. RLI Insurance Company will provide the insurance described in this policy. You agree to pay the premium and comply with your responsibilities

More information

Hiscox Professional Liability Portfolio - old and new policy form comparison

Hiscox Professional Liability Portfolio - old and new policy form comparison Hiscox Professional Liability Portfolio - old and new policy form comparison Transitioning to a new form can be tricky and time intensive unless you know what s changed. We want to SAVE YOU TIME and aim

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

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

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

Contractors Pollution Liability Insurance Policy

Contractors Pollution Liability Insurance Policy Contractors Pollution Liability Insurance Policy (Claims-Made Coverage) ACE INA Insurance Assurance ACE INA This Policy is issued by the stock insurance company identified above (herein called the Insurer).

More information

liability insurance application liability Insurer CGU Insurance Limited ABN 27 004 478 371 An IAG Company

liability insurance application liability Insurer CGU Insurance Limited ABN 27 004 478 371 An IAG Company liability insurance application liability Insurer CGU Insurance Limited ABN 27 004 478 371 An IAG Company Extract from the Insurance Contracts Act 1984 Under the terms of the Act We must advise You about

More information

Specimen THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE COVERAGE LIMITS. PLEASE READ THE POLICY CAREFULLY.

Specimen THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE COVERAGE LIMITS. PLEASE READ THE POLICY CAREFULLY. LIABILITY COVERAGE TERMS AND CONDITIONS THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE COVERAGE LIMITS. PLEASE READ THE POLICY CAREFULLY. CONSIDERATION CLAUSE IN CONSIDERATION

More information

BUILDERS RISK COVERAGE FORM

BUILDERS RISK COVERAGE FORM BUILDERS RISK COVERAGE FORM COMMERCIAL PROPERTY CP 00 20 10 12 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

More information

Mutual of Enumclaw Insurance Company Personal Umbrella Liability Policy

Mutual of Enumclaw Insurance Company Personal Umbrella Liability Policy Mutual of Enumclaw Insurance Company Personal Umbrella Liability Policy Home Office: 1460 Wells Street, Enumclaw, Washington 98022 (a mutual insurance company, herein referred to as the Company.) Ready

More information