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COMPREHENSIVE GLASS POLICY # 48 77 16 I No. PG-50_u41~'68 n IOMPREHEN~'YE G!~ASS POLICY I 'fH;E []HIO CASUALTY INSURANCE 'COMPANY Clearwater, Fla. Previous Policy 136 North Third Street HAMILTON, OHIO PG48 77 16 IA STOCK COMPANY) Item 1. DECLARATIONS NAMED INSURED Neil E. Knouase & Richard A. Knouase DBA: Harbor View Barber Styles' store #6, 71-75 Causeway Blvd. .da -6- 8 Address: Number & Street, Town, County, State & Zip Code 2. Policy Period: ~~E~SO~~, T~lA::~SA~~EOTh~ESTNEDT~~R~ION From: Agent or Broker Office Address Town and State 3. The glass is located at the above address, unless otherwise stated herein:" Width in Inches Jack Ransom Agency P.O. Box 3344 Clearwater Florida 5;1.5 REPRESENTATIVE: Item NU~fber No. Plates Uescription of Glass, Lettering and Ornamentation; Position In Building. The glass Is plain flat glass with all edges set in frames, unless otherwise stated herein. SPECIFIC LIMIT, IF ANY 1 4 38 78 Fronts-Tempered kECf/VEO 2 3 26 76 Fronts-Tempered 3 26 76 Fronts-Tempered MAR 6 1975 1 76 26 Door-Tempered Crr '. '1fe;r~ . Ji~.".--. Territorial Multiplier Balance of glass or lettering, if any, not insured hereunder ~;; , /" ':\:} i' ,~" ~:~},11;.;n Endorsement numbers forming a part of the _[l,l!.!i~Y_.o.!lJ~_e!~e~tlv~..<Ja_te____________...._ ..________~_. If this policy is written for a period of three years the net premium for three years shall be $ 68. A~n~;JI_P!e Il1j~m--.J First Year $ Payable Second Year $ Third Year $ The kind of business conducted where the glass is located is Barber Shop (IF MULTIPLE OCCUPANCY, LIST EACH OCCUPANCY AFTER THE ADDRESS IN ITEM 3.) "ABSENCE OF AN ENTRY MEANS "NO EXCEPTION". Countersigned March 6~ 1975 1-27-7 Ins 19 By Jack ~~"I Form G-7300b (Rev. of 8.1-58) PREMIUM 22.10 12.87 12.87 .48 2 .NF /90 ! / -8 ~~! :4:......... ,.~~.. RECf.n/~D r AUG ,() 1973 r.~, ~ ~LEASE~ -.~TTACH fO YOUR POLp~ (m CITY CLUllK No. 806 Ala.-Fla. Ga.-S. C. (Edition 5-66) TI'1'LB l!lNDOBSEMBlft" Attached to and form~flart of Polic:l NoJ~L~~L71-.!-~----------0 ____________________~~_~~~_gJl~~___~~F~~lic~~------------- - ----------------------. issued at its--Q~!~i~r.... T!JJ!r!~____.TAT&----------Agenc . ." ~ Date of EndorsemenL___l~~}i.:T--------. ____J_4QlLi1~lL ---- ~_GX_____________Agent. Name of Insured~~_~!Pjl_~~t--~~!-~-~~~-~Qr---------~------------------------------------- This endorsement may be used to: (1) Authorize a change of ownership, (2) add a mortgagee, (3) eliminate a mortgagee or, (4) change a mor~agee. Only such of the following provisions are applicable as have been com- pleted by the insertion of name in the blanks provided therefor. ASSIGIBIBNT OF INTEREST . l,"'-N'otice ~~_~.!l.~~~a~~no~~4~~' th~t.~hej~ter~i.~ ;_~s d~ Vt1We~ett~thW policy asslgne'd to-----------------jf6--.:.if----------------------- -- --- H ___________________~__________~whose post office address is _~~~___:.L_1__'":7'__Q~!1_~~~_~~c:!!~------- C~4!~~~!-.!IE..._!.!c!!'l:.~_________________________and consent to such assignment is granted by the Company. BLDUN4.TION OF PRIOR MORTGAGEE (TRUSTEE) INTEREST 2. The interest of_______________._..._______..._.________________________----------------------------, as mOl'tgagees (or trustees), in this polie~ is her~by eliD$lated. MO:B1'GAGBE CLAUSB Loss, if any, under this policy, shall be payable 00_____________________________________________________ __________________________ whose post office address is_________________________.____________________________. ---------------------------------------------------------------------------------------------------------- first mortgagee (or trustee), and to__________________________________________________________________------- _ ________ __ _______________ whose post office address is___________________ --------------- - ------ -- ---- -- -- --- __________________________________________________________________________________________________ second mortgagee as interest may appear, subject to prOViSiopns of the mortgagee clause appearing on the reverse side of this form. No. 805 ("'66) (Ala., Fla., Ga., S.OO)). No. 805 (5.86) (Ala.. Fla., Ga., S. C.) Rrr:rr:nr~') LI., t ' ." ., . ""0/1 'j',,::,,~ I '~?LEASE ATTACH ro YOUR POLICY ~ AUG JD/.J No. 805 Ala...Fla. Ga..S, C. (Edition 6-66) <ID TITLE ENDORSEMENT crry f".",. ~.".....h..\. 1/(; ; (I: '"1'" "G Att~ched}? and, for~i~,~,par~ o~, Pol.i~r, NC?:-::-~-;:!.~~-.lL--=-----------o _ _ _ _ __ __ __ _ _______ __ _~ tId_QUJ_~_~..: ~ ~~ ~~ ~f - NThE'~F' (N~U;rA~cE"'~~1fA~G( - - - - - -- - - - - -- -- - - - - - -- -- - - - - - - - - - - - - -, . d t't (~ldan'{'d~,'''r l"lor'iJa A " ""_A C'_ Issue a 1 s----.------.91] otI')jl'YN-:::--------STATE---------- genc . V"T,. .~ -- D t f E d t B 21 "1) JACK l\AN;:lOl ,\ ll<CY A t a eon orsemen ___'_ __ _w___-,_________. . . ________________________________________ gen. Name of Insured~_~~_l~JLJy_~_g,~~--~~i!-~-yi~lJ~~L-~tQr----------------------------------------------- This endorsement may be used to: (1) Authorize a change of ownership, (2) add a mortgagee, (3) eliminate a mortgagee or, (4) change a mortgagee. Only such of the following provisions are applicable as have been com- pleted by the insertion of name in the blanks provided therefor. ASSIGNMENT OF INTJm,EST 1. Notice is hereby acknowledged tha.t the inter~t...D.f.~peabo.Y..e In.suted,ilLthl'o.n~opert.Y.JdeJll,\p.lled 41Jhis I' h b . f. . d. d h' I' . d t 1~J;J..L ..!.. KNOUA~ &, iU(}1~ill A.. lUIlOU it~ dl D a po ICy' as e,eI;l transerre all. t IS po ICY asslgne O-----------------Y6----------------------:------------- H 8J~~~~_yI_P;!!-~-~i~~~-~!!1;~~---whose post office address is ~~~~!.!-!.-L:.L-11-:72--Q~~-~~~3iU-~J.yg!.J------- Clearwater 1"lor'ida , d t t h' t . t d b th C ..______..,___l._____________..___..,..________________an consen. 0 suc asslgnmen IS gran eye . ompany. ~NATION OF PRIOR MORTGAGEE (TRUSTEE) INTEREST 2. The interest of________________....___________________________________------------------------~-.,., as mortgagees (or trustees), in thia poliey is hereby eliminated. HO:R'JOAGEE CLAUSE Loss, if any, under this policy, shall be payable to_______________________________________________......____ _____ ___ _ __ __ __________ __ _whose post office address is____ - - --------- ----- - ---.. -- -- ---------- ------ -- ---- --- ~--------------------------------------------------------------------------------------------------------- first mortgagee (or trustee), and to______________________________________________________n_____----- ------- ___ ____ __ __------------ __ _whose post office address is__ - ---------- --- - -- -- ------ -- - ------- -- -- ------ ---- --- ____.._____....---..---------------------------------------____________________________________________ second mortgagee as interest may appear. subject to provisions of {the mortgagee clause appearing on the reverse side oj this form. / No. 806 (6-66) (Ala.. FlL, Ga.. S. c.) 2~ No. 806 (6-66) (Ala., Fla.. Ga.. S. C.] / I 1'1 , THE OH~ CASU ALT.! It-ISURANCE CO. . HAMIL TO!+, OHIO ... ST. TER. "GENCY CODE (M. O. USE ONLY) , .' .... DA Tl ltICIl'tua; .. ., .. .. -, ~~',:,;': 2')1 : ....!. ';!;j,i!}<,~,'~4-''''' ~.... a.,1~58) . . ....i . .......... '~)~';:!;"~,,;!, ......... ...., INSTALLMENT5--'-YES~ NO.-;.- ... .. TOTAL $. .... .. ,l~,~;!~?"~!,:.:}!,' NAMED INSURED _1loUoa JmA Seat. Ba1'bet'i '.. 2. '>3 It :;)!'::~'i": ,."I:A.tdr.~S: ,'Number & Street, Town, County, :!--........ . ~. ._.. 7 n.-,. g::HlJ Dl'fd. -.. N~It:~ 1."'7"" I , ;,0r5~!.ff',/,!';;:X . ...... .'.. ..:,'. State & Zip Code ;lIj .---.- 3lU!4 ... fLAT ,a0-5H a.....T l.~l;~c' ,j'. '~I' I .._..__ ....&...01. 12 1'tOOfoI. STANDARD TIME. AT THE AD- From.. U4i .... ....... "0'. CANCELLED -.. I:'. ,. . ./, " . "IL i'roII'I:I n:rtVV: DRESS 01' THE INSUREO AS STATED HEREIN I' I :.' ;. .." .,L~,l' .,' !(i!~{~';!,,',(:!'. '. ..... .... .... ....... - '.... i ; ....h ,;, ....IIPRfSE1'IT.. . ....... .... ATlYE: Agent or B. roker i Ififf'. ll:Y R: . ,Office Address i [1i."'r'! ..~v: '. '.' .' ....... Town and State 8.' !'rha!~sls tocated at the above address, . .'. ,':,;r ..,..........,'..< " unless otherwise stated herein:'" ; ;1 !r!:"~. 1:', ~ u.in ~ le~.r" W\~th DescriptIon of Glass, lettering and OrnamentatlOllIPosltlon In Building. The glass .':' ,I,".:' fto. Plates Inches Inches Is plain flat glass wIth all edges set In frames, unl4lSS otherwise stated herein. .... .-. ;,. ..~.' ~~;]' .'; ';' ... ::~;;~_~,~;,l,.;+).. .: :~,\~~ti~i'i~. .........J,l1:1;' ~ I"it_, 1_~lC;'YfiolUM"ER ~!~,;;~~.rt:'~'!i';...:' ...,...... ...."............ .; "2~~.'G' '4~7. 7 16 ,: ,,:, " ,..,(', ;'f "i}f!~i.:'i. ..' .' .. i)'I"~ . ..... t: ,. ...;. :......yJous 'eIley ~';;,: :,;',~':' ;-:f'~ :;:t~;~, ;>~'1~K.~ >~,-; r,CO- 'i" .... ...~ .. ... ,.. , .. ~rit Coverage I . . C)O..~ o. Pre... Checked- Reg....... Commission Insp. Reqaested of Ageftt At: Dote Issued: % By: Dote Requested PREMIUM .. COVER- AGE ZONE TR NAT'L BUREAU EXPOS. TER. RISK ST. Effective Mth. Yr. CLASS .. .. >r ..... ." .-.. ..!_.~---.-- lull....... .... ~ o. J1I't .._ ~ ,. ..... SPECIFIC' LIMIT, IF ANY -'3878 PrtaU-f-S .. ~,; .,1 3 26 16 n-.U! .... ; I I .. ",",}1I ....... U,;' t~S26 ,.. JWa~" ~,\ - ..n' f""ta 28 Door.. .ioJ!~J.I~t"_ ~,f:L . ";;;,',-,, . : ( . I ,.['"t..,,, ~ ,. ... ... I;';)".V:, ...,.............. ,," .'. '. ' '.. :" ,'~'$\'::} J;',;/ i. ...... 'I~ ; I:",' , .'. ,rt ........ .; ........ '~" "".' ':.. ".' ",'!,:;,'" C'>'\'.',; :j ,.;' , 'ir~.i.;.j,;....;'..... . ;. ..... i,' ~{.r:t. '" J> .... ." ,,<; ),.. ..-.....-'.,.......... .";,,,,"'" , , ... '1,,', ;~:ii):: . .., . . , . 1:.~:V;/<"..'.bdorsement nu~rs form~ng a part .....i~;..,; !'.; of the parleY OIl Its effective date ;;/.;"." It~s policy is Written for a period of three years , ':', ~:Jl8t premium for three years shall be $ 68- .:.i.1';.. ;"..', ,1 '4..\ J~~.tl....indo.f bu. siness conducted where the glass is located is lJaz'W staap .',' (l"ItU~"'''''' oCCUPANay, LilT .AaH OCC:UPANCY APT." TH. ADD"". IN IT." I.) i" r:~{! :,,:~ I 'refrl-.W ~l~ ~... fit ...... _ letWSac. It 811I, DR ~ _.- ..If..... . /7"' JACK RANSOM AGENC:Y c:::::.:. c ,.,'U'u't~;)u:.e ;: ... ... 446-1365 P. o. Box 3344 '1-75 CAUSEWAY BOULEVARD C~EARWATER, FL. 3515 .. .. i. ..... Annal' Premlall First Year Payable Second Year Third Year , ... . I , UI' MEANS "NO EXCEPTIOIV'.1 :;"~,,"'<;:';)i ..' -'-"'. ...;, .t:\.. J~...........r__:..._ .'.~""...L.........! , :ii .~.." ffl W"~""-:""'~y By "r.", " . (';C' ,~i'. /)Rj"h.1;' Agent .;;/. 11 ",:S'." .... '.. Ifl'/F' - ... .' ... .. . . ... V V,;; .................. ^r.~NT'S COpy at _.n .. ! ...... .. .. . '," ~ ' ,~, .. .- ~- ............; CHARGE STAMP ,; 'c ..,......................... ......i,.> .' ,.,. ...... ..,.... ..... .............. PREMtui .i ., .'. .. 22.-0. .' . ..,." ~"., ~so ...... " ....... ... ..... I ... ... ... · .f>:J. <' : ... ",. , : .. .. : ..... $' $ .... , .' ;. .. ././ .'. .........) ..,.... ,',+, ...',' , \.-.""" J .' . I ~ The Ohio Casualty Insurance Company Home Office 136 North Third Street Hamilton, Ohio 45025 )~ JACK RANSOM AGENCY INSURANCE 71-75 CAUSEWAY BLVD. CLEARWATER, FLORIDA Phone: 446.1365 RECEIVED' LIABILITY POLICY PROVISIONS PART ONE SEP 17 1973 Y CLERK. _ THE OHIO CASUALTY INSURANCE COMPANY HAMILTON, OHIO (A STDCK INSURANCE COMPANY, HEREIN CALLED THE COMPANy) In consideration of the payment of the premium, In reliance upon the statements in the declarations made a part hereof and subject to all of the terms of this pOlicy, agrees with the named. insured as follows: SUPPLEMENTARY PAYMENTS Thllcompany will pay, in addition to the applicable limit of liability: (a) all expenses incurred by the company, all costs taxed against the insured in any suit defended by the company and all interest on the entire amount of any judgment therein which aCcrues after entry of the judgment and before the com. pany has paid or tendered or deposited in court that part of the judgment Which does .not exceed the limit of the company's liability thereon; (b) premiums on appeal bonds required in any such suit, premiums on bonds to release attachments in any such suit for an amount not in excess of.the applicable limit of liability ,of this policy, and the cost of bail bonds required of the insureil When used ill this policy (Including endorsements forming a part hereof): "autom\lbile"means'a land motor vehicle, trailer or semitrailer designed for travel on public roads (including any machinery or apparatus attached theretq); but doe~ not include .mobile equipment; ....'.b. O.d..HYin. Ju.r.y".. f'~. e.ansbodi..".yinjury.. ,.S.iC..k. ne.. s. s'.' ~r diS. e.. a.s. e. sustained ~y any persOn which occurs du Ing the poliCY perIOd, including ,death at any time resulting therefrom; "collapse hazard" includes "structural property damage" as def.ined ,herein. and property damage to any other property at any time resulting therefrom. "Structural property damage" means the collapse of or structural injury to any building or -structure due to (1) grading of land, excavating, bar/owing, filling, back-filling; tunnelling, pile driving, cofferdam work or caisson work. or (2) moving, shoring, underpinning, rai?ing or demolition of any building or. structure or removal ocre. building of anystiuctural sypport thereof. The collapse hazard does not include property damage (l)'arisinf~utof~perations performed for the named insured by independent contractors, or (2) included within the. completed operations hazard or theu~dergroundproperty damage hazard, or (3) for which liability is assumed by the insured undera~incidental contract;. .' "completed operations hazard". includes bodily Injury and property damage arising out of operations or reliance upon a representation or warranty made at anytime with respect thereto, but only if the bodily injury or property damage occurs after such operations have been completed or abandoned and oc.curs away .from premise~ owned by or rented to the named insured. "Operations" include materials, parts or equipment furnished in connection therewith. Operations shall be deemed com. pleted at the earliest of the following times: . (1) when all operations to be performed by or on behalf of the named insured under .the contract have been completed, (2) when all operations to be performed by or on behalf of the named insured at the site of the operations have been completed, or (3) when the portion of the work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. Operations which may require further service or maintenance work. or correc. tion, repair Or replacement because of any defect or deficiency, but which are otherwise complete, shall be deemed completed. The .c~mpleted, operations hazard does not include bodily Injury or property dam- age arising out of form No. L.IOOa Ed, 10-1-66 Rev. 1-1.73 because of accident or traffic law violation arising out of the use of .any vehicle to which this policy applies, not to exceed $250 per bail bond, but the company shall have no obligation to apply for or furnish any such bonds; (c) expenses incurred by the insured for first aid to others at the time of .an accident, for bodily injury to which this policy applies; (d) reasonable expenses incurred by the insured at the company's request In assisting the company in the investigation or defense of anyclaim or suit, including actual loss of earnings not,to exceed $25 per day. DEFINITIONS (a) operations in connectioi1 with the transportation of property, unless the bodily injury or property damage arises out of a condition in qr on a vehicle created by the loading or unloading thereof, !b) thee~istence of tools, uninstalled equipment or abandoned or unused Inalerials, or (c) operations for which the classification stated in the policy or in the company's manLJalspecifies "including completed operations"; , ,'lekwat-or"mell11S ,anj :hoiWngor.lowering d'evice"t'o' cbn'nict" ilbdY~' \\/Iandings, whether or not in service, and all appliances thereof including any car, platform, shaft, hoistway, stairway, runway, power equipment and machinery: but does not inclUde<an' automobileser:viting hoist, ora hoist without a platform outside a build- ~ ing i.f,without mechanical power or if not attached to building walls, or a hod or material hoist used in alteration, construction or demolition operations, or an inclin~d . conveyor used exclusively for carrying property or a dumbwaiter used exclusively for carrying property and having a compartment height not exceeding foUr feet; "explosion hazard" includes property damage a(ising out of blasting or ex. plosion, The explosion hazard does not include property damage (1) arising outof the explosion of air or steam vessels, piping under pressure, prime mov,'rs, 111.1- chinery or power transmitting equipment, or (2) arising out of oper:ltions perfornlt'd for the named insured by independent contr:lclors, or (3) included witllin th~ completed operations hazard. or the underground property damage hazard, or (4) for which liability is assumed by the insured under an incidental contract; "incidental contract" means any written (1) 'ease of premises, (2) easement agreement, except in connection with construction or demolition operations on or adjacent to a railroad, (3) undertaking to indemnify a municipality required by n~unicipal ordinance, except in connection with work for the municipality, (4) Sidetrack agreement, or (5) elevator maintenance agreement; "insured" means any person or organization Qualifying as an insured in the "Persons Insured" provision of the applicable insurance coverage. The insurance afforded applies separately to each insured against whom claim is made or suit is brought, except with respect to the limits of the company's liability; "mobile equipment" means a land vehicle (including any machinery or apparatus attached thereto), whether or not self.propelled, (1) not subject to motor vehicle registration, or (2) maintained for use exclusively on premises owned by or rented to the named insured, including the ways immediately adjOining or (3) designed for use prinCipally off public roads, or (4) designed or maintai~ed for the sole purpose of affording mobility to equipment of the following types forming an @The Ohiq-Casu(;llty hlsuranc1 Company 136 North Third Stre"t, Hamilton, Ohio 45025 GENERAL LIABILITY POLICY Part Two, This Declarations page one! Coverage Part(s) with "roticy rrovisions-Port One" COI1lI,lctes the bclo\lI',1I:11l'c'itxi rolicy Item DECLARATioNS-----------rOLlCY NLJ~~GER-GL t :, ~i :~ ~J .i. :::------ --".---- 1. . 0 individual NAMED INSURED Neil E. Knouase & Richard A. KnouaS:; partnership d'ba/ Harbor View Barber Styles 0 corporation Number & Street, Town, County, Store =I 6, 71-75 Causeway Blvd. 0 joint venture I State & Zip Code Clearwater, Florida 33151 other, 2. Policy Period: M,oM- :AMfJA~~:~~EJI~~ ~~1T1~ A~~:E~~~ From: To: 6 Address: Business of Named Insured Agent or Broker Jack Ransom Agency Office Address P.O. Box 334I+ Town and State C The insurance afforded is only with respect to such of the following Coverage Parts designated by an "X" in 0 and Coverages therein as are indicated 'I by specific premium charge or charges. The limit of the company's liability against each such Coverage shall be as stated herein, subject to all the terms of this policy having reference -- I ADVANCE -; thereto. LIMITS DF LIABILITY PREMIUM Comprehensive General Liability ...................... 0 Dwners', landlords' and Tenants' Liability.. . . . .. . . . . . .. D Bodily Injury Liability Manufacturers' and Contractors' Liability. . . . . .. . .. . . . " D Contractual Liability Insurance ....................... D Property Damage Liability Completed Operations and Products Liability ............ D Premises Medical Payments Insurance.,............... D Insurance .....'.,......,.... D Personal Insurance ........... D $ ,000 EACH OCCURRENCE $ ,000 AGGREGATE $ ,000 EACH OCCURRENCE $ ,000 AGGREGATE $ EACH PERSON $ ,000 EACH ACCIDENT $ AGGREGATE $ .000 EACH PERSON $ ,000 EACH ACC 10ENT $ ,000 EACH OCCURRENCE $ EACH PERSON $ ,000 EACH ACCIDENT Physical Damage to Property $ 250 EACH OCCURRENCE $ Animal Collision Market value not exceeding $300 each animal $ $ $ Personal Injury Liability InSUrance ....,..,............ D Uninsured Motorists Insurance ..............,.,...... D $ $ $ Personal Liability Persona' Medical Payments (Applicable to Farmer's Comprehensive Personal Insurance only) (Identify by Form Numbers) 123 - Barber Shop Liability 9236 103. tlf Policy Period more than one year and the premiu:;;'l is to be paid in installments, premium is payable: t Not applicable in Texas $ Total Advance Premium $ Three Year Premium $ In Advance $ Each Successive Year $ Audit Period Annual, unless otherwise stated: 4. During the past three years no insurer has cancelled any similar insurance issued to the named insured, nor declined to issue such insurance, unless otherwise stated herein: 1-\ Cl .----- -- "J c:: ~<- ---- Jac~ Ransom Agency Countersigne4 by - '<----~ Authorized Representative Form No. L.I02b Ed. 10-1.&6 Rev. 1-1-73 o BEAUTY SHOP L1ABILlT'( INSUf$.ANCE COVERAGE PART 00 BARBE1 SROP LI AB I L!TY iN~URANCE COVERAGEf ART o THE OHIO CASUALTY INSURANCE COMPANY o WEST AMERICAN INSURANCE COMPANY o AMERICAN FIRE AND CASUALTY COMPANY POLICY No.GL 1 NO. OF RATES PERSONS EACH PERSON LIMITS OF LIABILITY A 'Bodily Injury liability B Property Damage Liability E PremiseS. Medica' Payments EACH OCCURRENCE AGGREGATE EACH OCCURRENCE EACH PERSON o ' EACH ACCIDENT 250 EACH OCCURRENCE Minimum Premium $ . Named Insured' (NO ENTRY NECESSARY IF SAME AS ITEM 1. OF DECLARATIONS) CLASS Beauticians t Full Time t Part Time Barbers t Full Time t Part Time Manicurists location of Insured premises (ENTER "SAME".IFSAME AS ITEM 1. OF DECLARATIONS) Interest of named insured in.such premises owner 0 I. COVERAGE. A:":"BODllY INJURY LIABILITY COVERAGE' IJ-PROPERTY DAMAGE LIABILITY Thecompsnywill pay on'behalf of the insured all sums which the Insured shall become legally obligated to pay as damages because of Coverage A. bodily injury or ....,.., ..,....,..., ... Cove~age B. property damage to ~hichthisinsuranceapplies, caused by an occurrence and arising out of, i. ow. n. er. s. hip, m.ai.nte. nance, or use of the In. sured premises as a beauty shop or barbershop, ,and all operations necessary or incidental thereto, ii. any, personal or professional service rendered, or the use of any preparation or appliance on or away from the Insured premises in connection with the operation ()f a beauty shop or barber shop by the insured, or Iii. the ,products hazard, and fhe company shall have the right and duty to defend any suit against the insured seeking damages on account of such bodily injury or prOperty damage, even if any of the allegations of the suit are groundless, false or fraudulent, and may :m~~e suchdnvestigation and settlement of1any claim or suit as it deems expedient, but the company shall not be obligated to pay any claim or judgment or to .defend any suit after the applicable limit of the company's liability has been exhausted by payment of judgments or settlements. Exclusions, Thisins\lrance does .not ,apply: (a) to liability assumed by the Insured under any contract or agreement except an Incidental contract; (b) to bOdily Injury Or property damage arising out of the ownership, maintenance, operation, use, loading or unloading of ..., . . <P ~ny automobUe praircr~ft ,owned ,or operated by or rented or loaned to any InSUred, or .. , (2) anyothe(a,utomoblle or aircraft operated by any person in the course of his employlTlentby any insured; but this exclusion does not, apply, to the parking of an automobile On premises owned by, rented to or controlled by the named insured or the ways immediately adjoining, if sucl1automobile is not owned by or rented or loaned to any insured; (cJ to bodily injUrY or property damage arising out of the ownership, maintenance, operation,use',.loading or unloading of many watercraft owned or operated by or rented Or loaned to any insured, or (2) any other watercraft operated by any person in the course of his employment byanyinsure~; , .. but this exclusion does not apply to watercraft while ashore on premises owned by, rented to :Or controlled by the named insured; (d) to bodily Injury or property damage due to war, whether or not declared, civil war, insurrection, rebellion or revolution or to any act or condition incident to any of the, for~going with respect to (1) liability assumed by the insured under an incidental contract, or (2) expenses for first' aid under the Supplementary Payments provision; (e)tobodtJyl~Juryor property damage for which the Insured may be held liable (1) as a person or organization engaged in the business of manufacturing,. dis- tributing, selling or serVing alcoholic beverages, or (2) if not so en~aged. as an owner or lessor of premises used for such purposes, if such,Jiability IS imposed Form No. L.123c 7-67 Rev. 1-1-73-Beauty Shop. Barber Shop ';?;t!"Jml'm't71T~~?"I~~<<"~~!~:r--:(..I. ~" :.1. ,n"\l. I>..-~" '''~~''''l.'';YJ"lr', f. Portion . lil by or because of the violation of, any statute, ordinance Or regulation per- taining to the sale, gift, distribution or use of any alcoholic beverage, or (Ii) by reason of the selling, serving 9r giving of any alcoholic ~everage to a minor or to a person under the IOfluence of alcohol or which causes or contributes to the intoxication Df any person; . .., , but part (ii) of this exclusion does. not. apply with respect to liability of the insured as an owner or lessor deSCribed 10 (2) above; (f) to any obligation for which the Insured or any carrier as his insurer may be held liable under any workmen's compensation, unemployment compensation or disability benefits law, or under any similar law; (g) to bodily Injury to any employee of the insured a.rising out of and in the Co~r.se of his employment by the insured; but this exclUSion does not apply to liability assumed by the Insured under an incidental contract; (h) to property damage to (1) property owned or occupied by or rented to the insured, (2) property used by the insured, (3) property in the care, custody or control of the insured or, as to which the insured is for any purpose exercising physical control, or (4) the named Insured's products arising out of such products or any part of such products; but parts (2) and (3) of this exclusion do not apply with respect to liability under a written sidetrack agreement and part (3) of this exclusion does not apply with respect to property damage (other than to elevators) arising out of the use. of an elevator at the insured premises; . (j) to property damage to premises alienated by. the named Insured arising out of such premises or any part thereof; , (j) to bodily injury or property dal11age caused by products manufactured or pre. pared by the insured, rebottled or repacked by him or sold under his label, for use away from the insured premises; (k) to services rendered or the use of any preparation, which service or treatment is prohibited under any federal, State or Municipal law provided, however, the failure of the insured or any employee thereof to perform a. predisposition Or skin test shall not be deemed a prohibition under any such law; (I). to services rendered or. the application of any preparation or use of any ap. pliance in connection with: '., . (1) exercising, slenderizing or reducing services, .;' (2) sun lamp or tanning lamp Or other irradiating device, (3) electrical, heat or steam baths or body massage (other than facial massage); (m) to Chiropody; (n) to bodily injury or property damage caused by (1) face lifting, plastic surgery, the removal of warts, moles or growths or any attempt thereat, (2) any apparatus using x-ray or electrical rays for the removal ofhalr by electrolysis, (3) the combustion, burning Or explosion of combs Or other articles of flammable nature other than hard rubber combs, (4) the use of any flammable dry shampoo, (5) the use, administration or application of any dye to eyelashes or eyebrows, other than Roux lash and Brow Tint, Spiro's. Coloura, mascara Or eyebrow pencils, Or ' , , (0) to bOdily Injury Or prOperty damage sustained by any person resulting from the , " ';... 1,-, ".~. .,1 (The AlIachin. Clause need be completed only when this endorsement il inued lubsequent to prepar.tlOll of tile pollcY.l A 5213 G334 EXCLUSION ESCALATORS GU m61 (Ell. D~t) This endorsement modifies such Insurance as I~ ,fforded by the pro~ISlons of the policy rel,ting to the following: GARAGE INSURANCE MANUFACTURERS' AND CONTRACTDRS' LIABILITY INSURANCE OWNERS LANDLORDS' AND TENANTS' LIABILITY INSURANCE PREMISES MEDICAL PAYMENTS INSURANCE This endorsement. effective , forms a part of pol icy No. (12:01 A" M.. standard time) issued to """",". "~uti'-ci;;'iiii' Repr'senti"iive.'.." The insurance does not apply to bodily Injury or property damal' arising out of the ownership, maintenance, operation, use, loadin. or un- 100000ing of.,y escalator at premises owned, rented or controlled by the nalllld Inlurld; but this exclusion does not apply to an escalator at premises which the named Inlured owns, rents or controls only in part unless the named Inlured operates, maintains or controls the escalator. . ~ ~ ~ ~ .. This endorsement modifies the provisions of the policy relating to ALL AUTOMOBILE LIABILITY, GENERAL LIABILITY AND MEDICAL PAYMENTS INSURANCE OTHER THAN COMPREHENSIVE PERSONAL AND FARMER'S COMPREHENSIVE PERSONAL INSURANCE. Nuclear Energy Liability Exclusion Endorsement-Broad Form It is agreed thaI: I. The policy does not apply: A. Under any liability CoverJge, to bodily injury or property damage (1) with respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy liability Insurance Association, Mutual Atomic Energy liability Underwriters or Nuclear Insurance Association of Canada, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or (2) resulting from the hazardous properties of nuclear material and with respect to which (al any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (bl the insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, Or any agency thereof, with any person or organization. B. Under any Medical Payments Coverage, or under any Supplementary Pay- ll1entsprovision relating to first aid, to expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. C. Under any liability Coverage, to bodily injury or property damage resulting from the hazardous properties of nuclear material, if (1) the nuclear material (al is at any nuclear facility owned by, or operated by or on behalf of, an insured or (b) has been discharged Or dispersed therefrom; (2) the nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an insured; or (3) the bodily injury or property damage arises out of the furnishing by an Insured of services, materials, parts Or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the United States of America. its territories or possessIOns or Canada, this exclusion (3) applies only to property damage to such nuclear faCility and any property thereat. II. As used In this endorsement: "hazardous properties" include radioactive, toxic or explosive properties; "nuclear material" means SOUrce material, special nuclear material or byproduct material; "source material", "special nuclear material", and "byproduct material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof; "spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a nuclear reactor; "waste" means any waste material (1) containing byproduct material and (2) re- sultmg from the operation by any person or organization of any nuclear faCility included within the definition of nuclear facility under paragraph (a) Or (b) thereof; "nuclear facility" means (a) any nuclear reactor, (b) any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing spent fuel, Or (3) handling, processing or packaging waste, (c) any equipment or device used for the processing, fabricating Or alloying of special nuclear material if at any time the total amount of. such material in the custody. of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 Or any combination thereof, or more than 250 grams of uranium 235, (d) any structure, basin, excavation, premises or place prepared or used for the storage or disposal of waste, and includes the sit~ on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations; "nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material; "property damage" includes all forms of radioactive contamination of property. This endorsement modifies the Cancellation Condition and is applicable to all insurance afforded by the policy. AMENDMENT OF CANCELLATION CONDITION (Michigan) It is agreed that the first paragraph of the Cancellation Condition is amended to read as follows: This poliCY may be cancelled by the named insured by surrender thereof to the company orany of its authorized agents or by mailing to the company written notice stating when thereafter the cancellation shall be effective. This policy may be cancelled by the company by mailing to the named insured at his address last known to the company or its authorized agent written notice stating when not less than ten days thereafter such cancellation shall be effective. The time of the surrender or the effective date and hour of cancellation stated in the notice shall blicome the end of the pill icy period. Delivery of such written notice either by the named insured or by the company shall be equivalent to mailing. (4) Insert Declarations Page (P'art Two) 'iere so that top edye b~t1's against fold of Contra~t, and p. ermits -policy, number to appear through window. fTTACH ENQORSE0ENTS, IF ANY, TO fOp BACK OF DECLARATIONS. applicable contribution provision below: (a) Contribution by Equal Shares. If all of such other valid and collectible insur- ance provides for contribution by equal shares, the company shall not be liable for a greater proportion of such loss than would be payable if each insurer contributes an equal share until the share of each insurer equals the lowest applicable limit of liability under anyone policy or the full amount of the loss is paid, and with respect to any amount of loss not so paid the remaining insurers then continue to contribute equal shares of the remaining amount of the loss until each such insurer has paid its limit in full or the full amount of the loss is paid. (b) Contribution by Limits. If any of such other insurance does not provide for contribution by equal shares, the company shall not be liable for a greater proportion of such loss than the applicable limit of liability under this policy for such loss bears to the total applicable limit of liability of all valid and collectible insurance against such loss. 7. Subrogation. In the event of any payment under this policy, the company shall be subrogated to all the insured's rights of recovery therefor against any person or organization and the insured shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights. The insured sl1all do nothing after loss to prejudice such rights. 8. Changes. Notice to any agent or knowledge possessed by any agent or by any other person shall not effect a waiver or a change in any part of this policy or estop the company from asserting any right under the terms of this policy; nor shall the terms of this policy be waived or changed, except by endorsement issued to form a part of this policy, signed by a duly authorized representative of the company. 9. Assignment. Assignment of interest under this policy shall not bind the company until its consent is endorsed hereon; if, however, the named insured shall die, such insurance as is afforded by this policy shall apply (I) to the named Insured's legal representative, as the named insured, but only while acting within the scope of his duties as such, and (2) with respect to the property of the named insured, to the person having proper temporary custody thereof, as insured, but only until the appointment and Qualification of the legal representative. 10. Three Year Policy. If this policy is issued for a period of three years any limit of the company's liability stated in this policy as "aggregate" shall apply separately to each consecutive annual period thereof. 11. Cancellation. This policy may be cancelled by the named insured by surrender thereof to the company or any of its authorized agents or by mailing to the company written notice stating when thereafter the cancellation shall be effective, This policy may be cancelled by the company by mailing to the named insured at the address shown in this policy, written notice stating when not less than ten days thereafter such cancellation shall be effective, The mailing of notice as aforesaid shall be sufficient proof of notice. The time of surrender or the effective date and hour of cancellation stated in the notice shall become the end of the pOlicy period. Delivery of such written notice eitl1er by the named insured or by the company shall be equivalent to mailing. If the named insured cancels. earned premium shall be computed in accord,mce witl1 the customary short rate table and procedure. If the company cancels, earned premium sl1all be computed pro rata. Premium adjustment Illay be made either at the time cancellation is effected or as soon as practicable after cancellation be. comes effective, but payment or tender of unearned premium is not a condition of cancellation. 12. Declarations. By acceptance of this policy, the named insured agrees that the statements in the declarations are his agreements and representations, that this policy is issued in reliance upon the truth of such representations and that this policy embodies all agreements existing between himself and the company or any of its agents relating to this insurance. IN WITNESS WHEREOF, the company has caused this policy to be signed by its president and secretary but this policy shall not be valid unless completed by the attachment hereto of a declarations page designated as Part Two and Coverage Part(s) and countersigned on the aforesaid declarations page by a duly authorized repre- sentative of the company. ~ iZ'. .hr~ Secretar)' ~~ P",;~"I (31 Intesrai part of err perr.rclngntly attached t~ such vehicle: power cranes, shovels~ -" ' loaders, diggers and drills; concrete mixers (other thanfhe mix-in.transit typel; ~raders, scrapers, rollers and other road construction 0 repair equipmen~ air- compressors, pumps and generators, including sprayin , welding and building cleaning equipmenti and geophysical exploration and well servicing equipmenti "named Insured" means the person or organization named in Item 1. of the declarations of this policYi "named Insured's products" means goods or products manufactured, sold, handled or distributed by the named insured or by others trading under his name, Including any container thereof (other than a vehicle), but "named insured's products" shall not include a vending machine or any property other than such container, rented to or located for use of others but not sold: "occurrence" means an accident, including continuous or repeated exposure to conditions, which results in bodily injury or property damage neither expected nor intended from the standpoint qf the insured: "policy territory" means: (1) the United States of America, its territories or possessions, or Canada, or (2) international waters or air space, provided the bodily injury or property damage does not oCCur in the course of travel Or transportation to or from any other country, state or nation, or (3) anywhere in the world with respect to damages because of bodily injury or property damage arising out of a product which was sold for use or consump. 1. Premium. All premiums for this policy shall be computed In accordance with the company's rules, rates, rating plans, premiums and minimum premiums applicable to the insurance afforded herein. Premium designated in this policy as "advance premium" is a deposit premium only which shall be credited to the amount of the earned premium due at the end of the policy period. At the close of each period (or part thereof terminating with the end of the policy period) designated in the declarations as the audit period the earned premium shall be computed for such period and, upon notice thereof to the named insured, shall become due and payable. If the total earned premium for the policy period is less than the premium previously paid, the com. pany shall return to the named insured the unearned portion paid by the named Insured. The named Insured shall maintain records of such information as is necessary for premium computation, and shall send copies of su.ch records to the company at the end of the policy period and at such times during the policy period as the company may direct. 2. Inspection and Audit The company shall be permitted but not obligated to inspect the named insured's property and operations at any time. Neither the com- pany's right to make inspections nor the making thereof nor any report thereon shall constitute an undertaking, on behalf of or for the benefit of the named insured or others, to determine or warrant that such property or operations are safe or healthful, or are in compliance with any law, rule or regulation. The company may examine and audit the named insured's books and records at any time during the policy period and extensions thereof and within three years after the final termination of this policy, as far as they relate to the subject matter of this insurance. , 3. Financial Responsibility Laws. When this policy Is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law, such insurance as is afforded by this policy for bodily Injury liability or for property damage liability shall comply with the provisions of such Jaw to the extent of the coverage and limits of liability required by such law. The insured agrees to reimburse the company for any payment made by the com- pany which it would not have been obligated to make under the terms of this policy except for the agreement contained in this paragraph. 4. Insured's Duties in the Event of Occurrence, Claim or Suit. (al In the event of an occurrence, written notice containing particulars sufficIent to identify the insured and also reasonably obtainable info.rmation with : tion.within the territory described in pa;agraph m above. provided the or;gin31 suit for such damages is lought within such territory; . " "products hazard" includes odily injury and property damage arising out of the named insured's products or reliance upon a represent.ltion or w.1franty 1Il.1dtl at. any time with respect theretu, but only if the bodily Injury or property damai1 occurs away from premises owned by or rented to the named insured Jnd Jlter physical possession of such products has been relinquished to othersi "property damage" means (!) physical Injury to or destruction of tangible property which occurs during the policy period, including the loss of use thereof at any time resulting therefrom, or (2) loss of use of tangible property which has not been physically injured or destroyed provided such loss of use is caused by an occurrence during the policy period; "underground property damage hazard" includes underground property damage as defined herein and property damage to any ~t~er property at any time resulting therefrom. "Underground property damage" ",cans property damage to wires. conduits, pipes, mains, sewers, tanks, tunnels, any similar pro~erty. and any apparatus in connection therewith, beneath the surface of the grG'~nd or water, caused by and occurring during the use of mechanical equipment for the purpose of grading land, paving, excavating, drilling, borrowing, filling, back.filling or pile driving. The underground property damage hazard does not include property damage (1) arising out of operations performed for the named Insured by independent con. tractors, or (2) included within the completed operations hazard, or (3) for which liability is assumed by the insured under an incidental contract. CONDITIONS respect to the time, place and circumstances thereof, and the names. and addresses of the injured and of available witnesses, shall be given by or for the insured to the company or any of its authorized agents as soon as practicable. (b) If claim is made or suit is brought against the insured, the insured shall im- mediately forward to the company every demand, notice, summons or other process received by him or his representative. (c) The insured shall cooperate with the company and, upon the company's request, assist in making settlements, in the conduct of suits and in enforcing any right of contribution or indemnity against any person or organization who may be liable to the insured because of injury or damage with respect to which insurance is afforded under this policy; and the insured shall attend hearings and trials and assist in securing and giving evidence and obtaining the attendance of witnesses. The insured shall not, except at his own cost. voluntarily make any payment, assume any obligation or incur any expense other than for first aid to others at the time of accident. 5. Action Against Company. No action shall lie against the company unless, as a condition precedent thereto, there shall have been full compliance with all of the terms of this policy, nor until the amount of the insured's obligation to pay shall have been finally determined either by judgment against the insured after actual trial or by written agreement of the insured, the claimant and the company. Any person or organization Or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy to the extent of the insurance afforded by this policy. No person or organization shall have any right under this policy to join the company as a party to any action against the insured to determine the insured's liability, nor shall the company be impleaded by the insured or his legal representative. Bankruptcy or insolvency of the insured or of the insured's estate shall not relieve the company of any of its obligations hereunder. 8. Other Insurance. The insurance afforded by this policy is primary insurance, except when stated to apply in excess of or contingent upon the absence of other insurance. When this insurance is primary and the insured has other insurance which is stated to be applicable to the loss on an excess or contingent basis, the amount of the company's liability under this policy shall not be reduced by the existence of such other insurance. When both this insurance and other insurance apply to the loss on the same basis, whether primary, excess or contingent, the company shall not be liable under this policy for a greater proportion of the loss than that stated in the (2) ~ - ,. J ~l'",- .. . ., '"' .. ~ ,;J I GENERA~ ENJ?ORSEMENT ~ .. '. ~ ~ ~ I In consideration of the premium charged, it is agreed that Form GU 9236 is hereby deleted. Nothing herein contained shall vary, alter, waive or extend any of the terms, representations, conditions or agreements of the policy other than as above stated. To be attached to and forming a part of Policy No...g~..~..).?.J.9...~~................... issued to ...9J?9...f?:.<;\r.9.9r...Y.+.~:t:Lfur..9.~r...R.t.Y.l~~.......... b~ THE OHIO CASUAL TV INSURANCE CO. This endorsemen e ........~.:-:Fp.:::?J........................ ::....!~.<;.~.....~!.l;~..;;......Eff~~~..................:..... Agent Form 3218 7.59-250M End. No. ~ Date Typed .~~, 9-7-7~/ar'