PACKAGE POLICY # BPP 0 301 939
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Roger BOUCHARD 'Insurance, Inc.
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PHONE: (813) 447-6481
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P.O. BOX 6090
CLEARWATER, FLORIDA. 34618-6090
March 14, 1988
City of Clearwater
P.O. Box 4748
Clearwater, FL 34618
Attn: Elizabeth Haesker
Subject: Clearwater Country'Club
Please find attached endorsement naming City of Clearwater as
additional named insured on the package policy for the Clearwater
Country Club.
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RECEIVED
MAR 24 1988
CITY CLERK
TELEX BD-3702
PROFESSIONAL INSURANCE SERVICE SINCE 1948
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BPP Cr(~ .939
~~)"';OMMERCIAL GENERAL LIABILITY
POLICY NUMBER:
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL INSURED-OWNERS OR OTHER INTERESTS
FROM WHOM LAND HAS BEEN LEASED
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART.
., . . , SCHEDULE Cc. / f'ctr Wet fer (~c.()i-r'i C /ub)
DeSignation of Premises (Part Leased to You): 525 Betty Lane, Cl earwater, FL
Name of Person or Organization:
City of Clearwater
P.O. Box 4748
Clearwater, FL 34618
(If no entry appears above, information required to complete this endorsement will be shown in the Declarations
as applicable to this endorsement.)
WHO IS AN INSURED (Section II) is amended to
include as an insured the person or organization
shown in the Schedule but only with respect to liability
arising out of the ownership, maintenance or use of
that part of the land leased to you and shown in the
Schedule and subject to the following additional
exclusions:
This insurance does not apply to:
1. Any "occurrence" which takes place after you
cease to lease that land;
2. Structural alterations, new construction or
demolition operations performed by or on behalf
of the person or organization shown in the
Schedule.
CG 20 24 11 85
Copyright, Insurance ~ervices Office, Inc., 1984
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Roge~ BOUCHARD Insurance, lnc.
101 STARCREST DRIVE
PHONE: (813) 447-6481
P,O. BOX 6090
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CLEARWATER, FLORIDA 34618-6090
February 12, 1988
Mrs. Elizabeth Haeseker
Assistant City Manager - Operations
P.O. Box 4748
Clearwater, FL 34618
Subject: Clearwater Country Club
Dear Mrs. Haeseker:
Please find attached copy of package policy for above captioned
insured.
We have ordered the endorsement reflecting the City of Clearwater
as additional named insured. As soon as that endorsement comes in
I will mail a copy to your personal attention.
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TELEX 1JO.3702
PROFESSIONAL INSURANCE SERVICE SINCE 1948
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HOME OFFICE . 51 UEST HIGGINS ROAD
, SOUTH BARRINGTON, ILLINOIS
NORTHBROOK PROPERTY AND CASUALTY INSURANCE COMPANY
A STOCK INSURANCE COMPANY
::#: fS.2 775
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1. Named-Insured: CLEARWATER COUNTRY CLUB, INC.
BUSINESS PACKAGE POLICY NO. BPP
Producer/Address
ROGER BOUCHARD INSURANCE, INC.
P.O. BOX 6090
CLEARWATER, FL 33518
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0301939
Address: 525 NORTH BETTY LANE
CLEARWATER, FL 33515
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2. Policy Period: From 10/01/87 to 10/01/88 vi
Beginning and ending at 12:01 A.M.
at the Address of the Named Insured stated above
3. The Named Insured is: CORPORATION ~
4. Business of the Named Insured: PRIVATE COUNTRY CLUB v'
5. In return for the payment of the premium and subject to all the terms of this policy, we
agree with you to provide the insurance as stated in this policy.
6. Insurance applies only to the extent provided by the Forms and Endorsements that are
specified by number below:
Coverage
Parts Premium
$ 10,617
PROPERTY
. BU9500 $ 592
BUSINESS
INCOME
11-85) CG2008(11-85) $ 8,307
GENERAL
LIABILITY
BU9629 $ 567
OTHER
Forms and Endorsements
APP!i cable to the Entire pOlicy ...
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BU9302 BU9845 NBU9301
NBU 9300 Countersigned By
(Ed 5-87)
, Authorized Agent
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HOME OFFICE. SOUTH BARRINGTON, ILLINOIS
CHANGE ENDORSEMENT
Effective Date of Change 10/1/87 Change Endorsement No. 1
Roger ~ric'fti<y.eds
P.O. Box 6090
Clearwater, FL 33518
THIS ENDORSEMENT FORMS A PART OF THE POLICY NUMBERED BELOW:
BPP 0 J01 939
1. Policy Number
2. Named Insured {~;~i.oCl"rw&ter~-CouatrYl!Club~.;:;lr1c...~ i
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3. Changes:
It is hereby agreed the Equipment Schedule NBU7502A-l has been
amended as follows: ;:. .. ':
#10 - John Deere Tractor #2040 value $10.765 in lieu of
$15,000. ". ~'.;'
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4. Changes In Premium:
The above amendments result in a change in the premium as follows:
TO BE
ftb NO . ADJUSTED
allL:t~A~E VU ~ 1T,r-UDIT
ADDITIONAL
PREMIUM $
RETURN
PREMIUM $
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IJ':I~~T.NE~S 'f'f~I;:B~~.t: Northbrook has caused this endorsement to be signed by its Secretary and its President, at
South Barnngton:1lii~OIS.
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Secretary
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President
Countersigned By
, Authorized Agent
NBU9302
(Ed.l-S6)
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,[]CNorthbrook Property alcasualty Insurance Company
o Northbrook National In. rance Company
o Northbrook Indemnity . mpany
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HOME OFFICES. SOUTH BARRINGTON, ILLINOIS
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WITNESS CLAUSE
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IN WITNESS WHEREOF, the Company named above, a stock Company, has caused this policy to be signed
by Its Secretary and Its President, at South Barrington, illinois.
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Secretary
President
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GENERAL CONDITIONS FORM
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I. COMMON POLICY CONDITIONS
THESE CONDITIONS APPLY TO THE ENTIRE POLICY,
Various provisions in this policy restrict coverage. Read the entire policy carefully to determine
rights, duties and what is and is not covered.
Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declara-
tions. The words "we," "us" and "our" refer to the Company shown in the Declarations,
Other words and phrases are defined in other forms and endorsements that are part of this. policy.
A. Cancellation and Non.Renewal
1. The first Named Insured shown in the Declarations may cancel this policy by mailing or
delivering to us advance written notice of cancellation,
2, We may cancel this policy by mailing or delivering to the first Named Insured written notice of
cancellation at least:
a, Ten (10) days before the effective date of cancellation if we cancel for nonpayment of
premium; or "
b, Thirty (30) days before the effective date of cancellation if we cancel for any other reason.
3, We will mail or deliver our notice to the first Named Insured's last mailing address known to
us,
4. Notice of cancellation will state the effective date of cancellation. The policy period will end
on that date.
.
5, If this policy is cancelled, we will send the first Named Insured any premium refund due, If we
cancel, the refund will be pro rata, If the first Named Insured cancels, the refund may be less
than pro rata. The cancellation will be effective even if we have not made or offered a refund.
6. If cancellation notice is mailed, proof of mailing will be sufficient proof of notice,
7. If we decide not to renew this policy, we will mail or deliver to the first Named Insured shown
in the Declarations written notice of the nonrenewal not less than thirty (30) days before the
expiration date.
If notice is mailed, proof of mailing will be sufficient proof of notice,
B. Changes
This policy contains all of the agreements between you and us concerning the insurance af.
forded, The first Named Insured shown in the Declarations is authorized to make changes in the
terms of this policy with our consent. The terms of this policy can be amended or waived only by
endorsement issued by us and made a part of this policy.
C. Examination of Your Books and Records
We may examine and audit your books and records as they relate to this policy at any time during
BU9302
(Ed. 1,87)
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the policy period and up to three years afterward,
D. Inspections and Surveys
1. We have the right but are not obligated to:
a. Make inspections and surveys at any time;
b. Give you reports on the conditions we find; and
c. Recommend changes.
2. Any inspections, surveys, reports or recommendations relate only to insurability and the
premiums to be charged. We do not make safety inspections. We do not undertake to perform
the duty of any person or organization to provide for the health or safety of workers or the
public. And we do not warrant that conditions:
a. Are safe or healthful; or
b. Comply with laws, regulations, codes or standards,
This condition applies not only to us, but also to any rating, advisory, rate service or similar
organization which makes insurance inspections, surveys, reports or recommendations,
E. Premiums
The first Named Insured shown in the Declarations:
1. Is responsible for the payment of all premiums, but this will not relieve other named insureds
of equal responsibility;
2. Will be the payee for any return premiums we pay; and
3. Must keep accurate records of the information we need for premium computation and make
them available to us as we may request.
We will compute the premium you pay for this policy using information available at the time of
computation, Allor part of your premium may be based on estimates (which may be referred to as
advance or provisional), If estimates are used, we will compute your actual premium when com-
plete information is available at the end of the policy period. If the premium is more than you have
paid, you will pay us the difference. If the premium is less, we will return the difference. You will
not pay less than any minimum annual premium.
F. Transfer of Your Rights and Duties Under This Policy
Your rights and duties under this policy may not be transferred without our written consent ex-
cept in the case of your death,
If you die, your rights and duties will be transferred to your legal representative but only while
acting within the scope of duties as your legal representative. Until your legal representative is
appointed, anyone having proper temporary custody of your property will have your rights and
duties but only with respect to that property.
G. Concealment and Misrepresentation
This polley is void if you intentionally conceal or misrepresent any material facts or circum-
stances, before or after loss,
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H. Liberalization
If we adopt any revision that would broaden the coverage under this policy without additional
premium within forty-five (45) days prior to or during the policy period, the broadened coverage
will immediately apply to this policy,
I. State Laws
Any part of this policy that conflicts with state law is automatically changed to conform to the
law.
II. COMMERCIAL PROPERTY COVERAGE PART AND BUSINESS INCOME COVERAGE PART CONDI.
TIONS
THESE CONDITIONS APPLY ONLY TO THE COMMERCIAL PROPERTY AND BUSINESS INCOME
COVERAGE PARTS OF THIS POLICY, WITH THE EXCEPTION OF COMMERCIAL CRIME COVERAGE
FORMS, MODIFICATIONS AND ADDITIONAL CONDITIONS MAY APPEAR IN THE COVERAGE
FORMS AND THEIR ENDORSEMENTS.
A. Abandonment
There can be no abandonment of any property to us.
B. Appraisal
If we and you disagree on the value of the property or the amount of loss, either may make written
demand for an appraisal of the loss. In this event, each party will select a competent and impar-
tial appraiser. The two appraisers will select an umpire. If they cannot agree on an umpire, either
may request that selection be made by a judge of a court having jurisdiction. The appraisers will
state separately the value of the property and amount of loss. If they fail to agree, they will submit
their differences to the umpire. A decision agreed to by any two will be binding with regard to the
value of the property orthe amount of the loss only. However, if we submit to an appraisal, we still
retain our rights under the policy to deny the claim, Each party will:
1, Pay its chosen appraiser; and
2. Bear the other expenses of the appraisal and umpire equally,
C. Control of Property
Any act or neglect of any person, other than you, beyond your direction or control will not affect
this insurance,
If you violate a condition of these coverage parts, we will not pay for loss or damage at the
involved location. But your coverage will continue for other locations at which the violation does
not apply,
D. Duties in the Event of Loss or Damage
You must see that the following are done in the event of loss or damage to covered property:
1, Notify the police, if a law may have been broken,
2. Give us prompt notice of the loss or damage, Include a description of the property involved.
3, Make no statement that will assume any obligation or admit any liability, for any loss for
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which we may be liable, without our consent.
4. As soon as possible, give us a description of how, when and where the loss or damage oc-
curred.
5. Take all reasonable steps to protect the covered property from further damage. If feasible, set
the damaged property aside and in the best possible order for examination, Also keep a
record of your expenses for consideration in the settlement of the claim,
6. At our request, give us complete inventories of the damaged and undamaged property, In-
clude quantities, costs, values and amount of loss claimed,
7, Permit us to inspect the property and records proving the loss or damage.
8. If requested, permit us to question you under oath at such times as may be reasonably re-
quired, about any matter relating to this insurance or your claim, including your books and
records. In such event, your answers must be signed,
9, Send us a signed, sworn statement of loss containing the information we request to settle the
claim. You must do this within sixty (60) days after our request. We will supply you with the
necessary forms.
10. Cooperate with us in the investigation or settlement of the claim.
11, Resume all or part of your operations as quickly as possible if a business income loss is
involved.
12. Promptly send us any legal papers or notices received concerning the loss.
E. General Average and Salvage Charges
If transportation coverage is provided under this policy, we will pay general average and salvage
charges for which you become legally liable,
F. . Insurance Under Two or More Coverages
If two or more of the coverages of this policy apply to the same loss or damage, we will not pay
more than the actual amount of the loss or damage or the limit of insurance applicable to the
more specific coverage,
G. Legal Action Against Us
No one may bring a legal action against us under these coverage parts unless:
1, There has been full compliance with all of the terms of this policy; and
2. The action is brought within two (2) years after the date on which the direct physical loss or
damage occurred.
H. Loss Clause
A loss will not reduce the amount of insurance,
I. Loss Payee
If a loss payee is named in the Coverage Form Schedule, we will pay you and the loss payee, as
the Interests of each may appear,
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J. Loss Payment
1. In the event of loss or damage, at our option up to the policy limit we will either:
a. Pay the value of lost or damaged property;
b. Pay the cost of repairing or replacing the lost or damaged property, plus any reduction in
value of repaired items;
c. Take all or any part of the property at an agreed or appraised value; or
d. Repair, rebuild or replace the property with other property of like kind and quality.
2. We will not pay you more than your financial interest in the covered property.
3. We will give notice of our intentions within thirty (30) days after we receive the sworn state-
ment of loss.
4. We may adjust losses with the owners of lost or damaged property if other than you. If we pay
the owners, such payments will satisfy your claims against us for the owners' property. We
will not pay the owners more than their financial interest in the covered property.
5. We may elect to defend you against suits arising from claims of owners of property. We will do
this at our expense.
6. We will pay for covered loss or damc1ge within thirty (30) days after we receive the sworn
statement of loss, if:
a. You have complied with all of the terms ofthis policy; and
b. We have reached agreement with
(1) you on the amount of loss; or
(2) an appraisal award has been made and we have not denied the claim for any reason.
K. Mortgage Holders
1. The term mortgage holder includes trustee.
2. We will pay for covered loss of or damage to buildings or structures to each mortgage holder
shown in the Coverage Form Schedule in their order of precedence, as interests may appear.
3. The mortgage holder has the right to receive loss payment even if the mortgage holder has
started foreclosure or similar action on the building or structure.
4. If we deny your claim because of your acts or because you have failed to comply with the
terms of this policy, the mortgage holder will still have the right to receive loss payment if the
mortgage holder:
a. Pays any premium due under this policy at our request if you have failed to do so;
b. Submits a signed, sworn proof of loss within sixty (60) days after receiving notice from us
of your failure to do so; and
c. Has notified us of any change in ownership, occupancy or substantial change in risk
known to the mortgage holder.
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All of the terms of this policy will then apply directly to the mortgage holder.
5. If we pay the mortgage holder for any loss or damage and deny payment to you because of
your acts or because you have failed to comply with the terms of this policy:
a. The mortgage holder's rights under the mortgage will be transferred to us to the extent of
the amount we pay; and
b. The mortgage holder's right to recover the full amount of the mortgage holder's claim will
not be impaired.
At our option, we may pay to the mortgage holder the whole principal on the mortgage plus
any accrued interest. In this event, your mortgage and note will be transferred to us and you
will pay your remaining mortgage debt to us.
6. If we cancel this policy, we will give written notice to the mortgage holder at least:
a. Ten (10) days before the effective date of cancellation, if we cancel for your non-payment
of premium; or
b. Thirty (30) days before the effective date of cancellation, if we cancel for any other reason.
7. If we do not renew this policy, we will give written notice to the mortgage holder at least thirty
(30) days before the expiration date of this policy.
L. No Benefit to Bailee
No person or organization, other than you, having custody of covered property will benefit from
this insurance.
M. Other Insurance
1. You may have other insurance subject to the same plan, terms, conditions and provisions as
this insurance. If you do, we will pay our share of the covered loss or damage. Our share is the
proportion that the applicable Iimit(s) of insurance under these coverage parts bears to the
limits of insurance of all insurance covering your property on the same basis.
2. If there is other insurance covering the same loss or damage, other than that described in 1
above, we will pay only for the amount of covered loss or damage in excess of the amount due
from that other insurance, whether you can collect on it or not. But we will not pay more than
the applicable limit of insurance.
N. Pair, Sets or Parts
1. Pair or Set.
In case of loss to any part of a pair or set, we may:
a. Repair or replace any part to restore the pair or set to its value before the loss; or
b. Pay the difference between the value of the pair or set before and after the loss.
2. Parts.
In case of loss to any part of covered property consisting of several parts when complete, we
will only pay for the value of the lost or damaged part.
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O. Policy Period, Coverage Territory
Under these coverage parts:
1. We cover loss or damage commencing:
a. During the policy period shown in the Declarations; and
b. Within the coverage territory.
2. The coverage territory is:
a. The United States of America;
b. Puerto Rico; and
c. Canada.
P. Recovered Property
If either you or we recover any property after loss settlement, that party must give the other
prompt notice. At your option, the property will be returned to you. You must then return to us the
amount we paid to you for the property. We will pay recovery expenses and the expenses to repair
the recovered property, subject to the Limit of Insurance.
Q. Transfer of Rights of Recovery Against Ott.ers to Us
If any person or organization to or for whom we make payment under these coverage parts has
rights to recover damages from another, those rights are transferred to us to the extent of our
payment. That person or organization must do everything necessary to secure our rights and
must do nothing after loss to impair them. But you may waive your rights against another party in
writing:
1: Prior to a loss to your covered property or covered income.
2. After a loss to your covered property or covered income only if, at time of loss, that party is
one of the following:
a. Someone insured by this insurance;
b. A business firm:
(1) Owned or controlled by you; or
(2) That owns or controls you; or
c. Your tenant.
This will not restrict your insurance.
R. Vacancy
If the building or commercial condominium unit where loss or damage occurs has been vacant
for more than sixty (60) consecutive days before that loss or damage, we will not pay for any loss
Page 7
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or damage caused by any of the following even if they are covered causes of loss:
1. Vandalism;
2. Sprinkler leakage, unless you have protected the system against freezing;
3. Building glass breakage;
4. Water damage;
5. Theft; or
6. Attempted theft.
Buildings under construction are not considered vacant.
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QUICK REFERENCE
Table of Contents.Subject
Beginning
DECLARATIONS on Page(s)
Policy Number, Named Insured and Mailing Address, Policy Period, Description of Busi-
ness, Applicable Form arid Endorsement Number and Annual Provisional Pre-
m i u m ................................................... ............................................................................................ 1
GENERAL CONDITIONS FORM
Common Policy Condition - Conditions Applicable to the Entire Policy
Cancellation, Changes, Examination of Your Books and Records, Inspections
and Su rveys .................... ....................................................................................................... 1
Premiums, Transfer of Your Rights and Duties Under This Policy, Concealment
and Misrepresentation, Li beral ization ............................................... ...... ........................... 2
State Laws ................................................................................................................................. 3
Commercial Property and Business Income Conditions
Abandonment, Appraisal, Control of Property, Duties in Event of Loss.............................. 3
General Average and Salvage Charges, Insurance Under Two or More Coverages,
Legal Action Against Us, Loss Clause, Loss Payee, Loss Payment................................ 4
Mortgage Holders ......... ............................ ....... ......................................................................... 5
No Benefits To Bailee, Other Insurance, Pairs, Sets or Parts ............................................... 6
Policy Period, Coverage Territory, Recovered Property, Transfer of Rights
of Recovery Against Others to Us, Vacancy....................................................................... 7
COMMERCIAL PROPERTY COVERAGE PART.PROPERTY SCHEDULE
Inflation Guard, Covered Property, Limits and Insurance Applicable, Mortgagee or
Loss Payee, Optional Coverages, Extension-Personal Property of Others.........
I
COMMERCIAL PROPERTY COVERAGE PART
Covered Property-Building(s), Personal Property.......................................
Property Not Covered.. ................................ ................. .....................................
Covered Causes of Loss ........... .................... ........ ............................................
Add i t ional Protect ion ................. ...... ............. ........ ............................................
Excl us ions- Losses Not Covered ...................................................................
Li m itati ons ............... .................. .................. .:.. .................. ................................
Defin itions..........................................................................................................
Oed ucti ble ............... ...........................................................................................
Val uation .............. .................. ................................. ................. ..........................
Inflation Guard..... ...... ................................ ....... ............ ........ .............................
Coi nsu rance....................................................... ................................................
Optional Coverage(s).........................................................................................
BU9305
(Ed. HIli)
1
Building and Personal Property
Coverage Form Applicable
BASIC &
BROAD
1
2
3
6
9
10
11
13
13
13
SPECIAL
1
2
3
3
6
10
11
11
11
13
14
14
Page 1
SUPRA
1
2
3
3
6
9
10
10
11
13
13
13
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Table of Contents.Subject (Continued)
COMMERCIAL GENERAL LIABILITY COVERAGE FORM-SCHEDULE
Insurance Afforded, Limits of Insurance (General Aggregate Limit
Products-Completed Operations Aggregate Limit, Personal or Advertising In-
jury Limit, Each Occurrence Limit, Physical Damage Limit, Medical Expense
Limit), Deductiblesand Retroactive Date (Claims-Made Form Only) ..................................
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
Section I - Coverages
Coverage A - Bodily Injury and Property Damage Liability
In su ri ng Ag reement ............................................................................................................
Exc Ius ions...........................................................................................................................
Ded ucti b les ........... ..............................................................................................................
Cov3rage B - Personal and Advertising Injury Liability
I nsu ri ng Ag reement ............................................................................................................
Excl u s ions............................................................... ,...........................................................
Coverage C - Medical Payments
I nsu ri ng Ag reement ................ .............................................................................................
Exc I usions ......... .......................... ............................................................ ............................
Supplementary Payments - Coverages A and B................................................................
Section II - Who Is An Insured .................................................................................................
SectloR III - Limits of Insurance ..............................................................................................
Section IV - Conditions.. ............ .............................................................. ........ ........................
Section V - Definitions (Occurrence Form) .......,....................................................................
Section V - Extended Reporting Period (Claims-Made Form) ..............................................
Section VI - Definitions (Claims-Made Form).........................................................................
THIS POLICY MAY INCLUDE OTHER FORMS AND ENDORSEMENTS THAT HAVE NOT BEEN
INCLUDED IN THIS REFERENCE.
Page 2
Beginning
on Page(s)
1
Coverage Form Applicable
OCCUR- CLAIMS
RENCE MADE
1 1
1 2
5 5
5 6
6 6
7 7
7 7
7 8
8 8-
9 9
10 10
12
13
15
.
lOMMERCIAL PROPERTY COVERAGE PARTI
- PROPERTY SCHEDULE -
l. INSURANCE IS AFFORDED ONLY WITH RESPECT TO PROPERTY FOR WHICH:
a. An entry is made in Section 4 for the Type of Building and Personal Property Coverage
Form applicable to such property (Basic, Broad, Special or Supra) and
b. Then only to such property for which a specific limit of insurance is shown.
c. L Enter an "X" if a Supplemental ScheduleCs) is attached.
2. INFLATION GUARD (Indicate annual percentage if applicable)
Annual Percentage: Building ~ Personal Property ~
3. COVERED PROPERTY
Loc. Bldg.
No. No. Premises Location Description
0001 001 525 NORTH BETTY LANE MASONRY COUNTRY CLUB ../
CLEARWATER, FL /
0001 002 525 NORTH BETTY LANE FRAME PUMP HOUSE
CLEARWATER, FL
0001 003 525 NORTH BETTY LANE FRAME PUMP HOUSE .,,/
CLEARWATER, FL
0001 004 525 NORTH BETTY LANE MASONRY REPAIR AND SOIL SHED V
CLEARWATER, FL
0001 005 525 NORTH BETTY LANE FRAME REPAIR SHED V
CLEARWATER, FL
4. LIMITS AND INSURANCE APPLICABLE
Coverage * Coin-** Limits
Loc. Bldg. Form Valu- surance Deduc- of
No. No. Type of Property Applicable ation Percent tible Insurance
,
0001 001 BUILDING SPECIAL v' RC v' 90 / $ 1,000 -j 1,000,000 v'
0001 001 PERSONAL PROPERTY ,j SPECIAL RC 90 1,000 -" 100,000 V".
0001 002 BUILDING SPECIAL RC 90 250 500 .,.;-
0001 002 PERSONAL PROPERTY SPECIAL RC 90 1,000 :;:.. 12 , 00 0 V
0001 003 BUILDING SPECIAL RC 90 250 ,/ 500 e:
0001 003 PERSONAL PROPERTY SPECIAL RC 90 1,000 .; 12,000
0001 004 BUILDING SPECIAL RC 90 1,000 ". 16,000
0001 004 PERSONAL PROPERTY SPECIAL RC 90 1,000 ,. 40,000 V-
DO 0 1 005 BUILDING SPECIAL RC 90 1,000 / 50,000 V
D001 005 PERSONAL PROPERTY SPECIAL RC 90 1,000 6,200
Personal Property at location not owned, leased, operated or Anyone loco $
regularly used by you except property covered above. Total-all loco $
s. MORTGAGEE DR LOSS PAYEE
Loc. Bldg.
No. No. Name and Address
. . OPTIONAL AND TRANSIT COVERAGES - REFER TO SUPPLEMENTARY PROPERTY SCHEDULE "B"
I EXTENSION-PERSONAL PROPERTY OF OTHERS (check if applicable)
.
__ Coverage for Personal property of Others in your care, custodv or control is extended
for the account of the owner without regard to your legal liabillty as limited in 4 above.
*ACV - Actual Cash Value *RC-Replacement Cost **AV-Agreed Value(if applicable)
9400 (Ed 1-86)
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.
IOMMERCIAL PROPERTY COVERAGE PART I.
UPPLEMENTARY PROPERTY SCHEDULE A.
Thi~ Schedule Supplements items 3, 4 and 5 of the Property Schedule.
3. COVERED PROPERTY
Loc. Bldg.
No. No. Premises Location Description
0001 006 525 NORTH BETTY LANE FRAME GOLF CART STORAGE SHED V
CLEARWATER, FL
0001 007 525 NORTH BETTY LANE FRAME GOLF CART STORAGE IV
CLEARWATER, FL REPAIR SHED I
0001 008 525 NORTH BETTY LANE FRAME PUMP HOUSE ~
CLEARWATER, FL FRAME PUMP HOUSE ~
0001 009 525 NORTH BETTY LANE
CLEARWATER, FL
4. LIMITS AND INSURANCE APPLICABLE
Coverage * Co i n-lUE li mi ts
Loc. Bldg. Form Valu- surance Deduc- of
No. No. Type of Property Applicable ation Yo tible Insurance
I
J001 006 BUILDING v' SPECIAL V RC 90 ,/ 1,000.... v
V 51,000:..--
1001 007 BUILDING SPECIAL RC 90 1,000 '~ 51,000v
1001 008 BUILDING SPECIAL RC 90 250 .. 500
1001 008 PERSONAL PROPERTY SPECIAL RC 90 1,000 ;; 12 , 0 0 O~
1001 009 BUILDING SPECIAL RC 90 250 If 500
1001 009 PERSONAL PROPERTY SPECIAL RC 90 1,000- 12,000 /
MORTGAGEE OR LOSS PAYEE
Loc. Bldg.
'fo. No.
Name and Address
r,7.~~~"'':'... -. . r, ,;-r''''..r:-,~~~..".--,.,-~~~:~.,~~_:-;-,_...'l''''''''' "'l~_._.,_._.__...~,_~.
tV - Actual Cash Value *RC-Replacement Cost ~~AV-Agreed Value(ff applfcable)
H2A
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.
I COMMERCIAL PROPERTY COVERAGE PJlT
GLASS COVERAGE SCHEDULE
1. COVERED GLASS
The glass option applies to the items described below. Unless otherwise stated in the
Schedule, the glass is plain flat glass with all edges set in frames.
No. Dimensions Descri pti on of limi t
Loc Bldg of In Inches Glass and Lettering and Ornamentation of Insurance
No. No. Plates L W Position in Building (i f applicable)
0001 001 4 '" ' 78 34 V TEMPERED DOORS /
0001 001 2.; 30 52 ,,/ TEMPERED GLASS"/
0001 001 2... 56 14J TEMPERED GLASS
0001 001 1 v 56 74:./ TEMPERED GLASS
0001 001 2'" 82 14/ TEMPERED GLASS
0001 001 4" 68 38 ' TEMPERED GLASS
0001 001 4v. 24 38~ TEMPERED GLASS
0001 001 2'" 68 86 TEMPERED GLASS
0001 001 2 ~ 24 86Z TEMPERED GLASS
0001 001 4 .~ 68 44 v? TEMPERED GLASS
0001 001 4'- 24 44 v TEMPERED GLASS )
0001 001 2- 68 74J TEMPERED GLASS J
0001 001 2'" 24 74 TEMPERED GLASS I
0001 001 2.... 68 581 TEMPERED GLASS
0001 001 1'.... 24 58 TEMPERED GLASS I
0001 001 2...... 62 58V TEMPERED GlASS1
0001 001 21,1 70 34/ TEMPERED GLASS
0001 001 Iv SO 50,f TEMPERED GLASS
0001 001 2'1 28 62 ..; TEMPERED GLASS r;
0001 001 2-v 50 32 TEMPERED GLASS
2.
OPTIONAL COVERAGE - THE FOllOWING COVERAGES ARE PROVIDED WHEN INDICATED BY AN "X"
a. Loss Payment for Large Plates
In the event of loss or damage to covered property with a surface area of one hundred
(100) square feet or more, at our option we may:
(1) Replace the property with two (2) or more glass plates with a combined surface area
equal to the surface area of the described glass. The number of replacement plates
will not exceed the number shown in the Glass Coverage Schedule for this Optional
Coverage.
(2) Pay you for the value of two (2) smaller plates with a combined surface area equal
to the surface area of the described glass. We will also pay the expense of
alterations needed to install the smaller plates.
b. Coverage for Vacant Buildings
J.
DEDUCTIBLE
DEDUCTIBLE AMOUNT $
BU9415
(Ed. 1-86)
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COMMERCIAL PROPERTY COVERAGE p~,. T
CRIME SCHEDULE T
1. INSURANCE IS AFFORDED WITH RESPECT TO:
a. The Coverage Forms for which a specific Ii mi t of insurance is shown below; and
b. All premises covered in the Property Schedule unless specifically excluded by
endorsement.
2. COVERAGE. LIMITS OF INSURANCE AND DEDUCTIBLE
Coverage
Form(s) Ti tle Deductible li mi ts of Insurance
A EMPLOYEE DISHONESTY(BLANKET) ./ $ 25,OOV-
B FORGERY OR ALTERATION ........ $
C THEFT, DISAPPEARANCE AND DESTRUCTION
Section l. Inside the Premises / $ 10,OOOV
Section 2. Outside the Premises $ 10,000/
D ROBBERY AND SAFE BURGLARY
Section l. Inside the Premises
Robbery $
Safe $
Section 2. Outside the Premises $
E PREMISES BURGLARY $
3. OTHER CRIME INSURANCE
.
Coverage
Form(s) Title Deductible limits of Insurance
.
4. CANCELLATION OF PRIOR INSURANCE
By acceptance of this Crime insurance you give us notice cancelling prior Policy or
Bond Numbers
the cancellation to be effective at the time this crime insurance becomes effective.
* Indicate Section Humber'Per Guest'Per Occurence limits, if applicable.
BU9414
(ED 1-86)
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Commercial Property Coverage Part
I
BUILDING AND PERSONAL PROPERTY COVERAGE FORM
(SPECIAL)
THIS FORM IS SUBJECT TO THE DECLARATIONS AND THE APPLICABLE GENERAL CONDITIONS,
SCHEDULES AND ENDORSEMENTS.
A. COVERAGE
We will pay for direct physical loss of or damage to covered property at the premises described in the
Property Schedule caused by or resulting from any covered cause of loss.
1. Covered Property- Building(s)
We will cover your Building(s), including completed additions and extensions, for which a de-
scription and limit of insurance are shown in the Property Schedule. This coverage includes the
following items when on the same premises:
a. Permanently installed fixtures, machinery and equipment.
b. Swimming pools, fences and outdoor fixtures.
c. Materials, equipment, supplies and temporary structures, on or within one hundred (100) feet
of the described premises, used for making additions, alterations or repairs to the building or
other covered items.
d. Personal property you own and use to service or maintain the building, including fire extin-
guishing equipment, outdoor furniture, floor coverings, and appliances for refrigerating, ven-
tilating, cooking, dishwashing and laundering.
e. Personal property you furnish in apartments or rooms as landlord.
2. Covered Property-Personal Property
We will cover your business personal property while on the premises or within one hundred (100)
feet of such premises for which a description and limit of insurance are shown in the Property
Schedule. This coverage includes:
a. Furniture, fixtures, machinery, equipment and stock. Stock for these purposes means mer-
chandise held in storage or for sale, raw materials and goods, in process or finished, includ-
ing supplies used in their packing or shipping.
b. Property of others for which you are legally liable, providing an entry for such coverage and
. limit of insurance are shown in Section 4 of the Property Schedule.
Coverage may be extended for property of others in your care, custody or control, for the
account of the owner without regard to your legal liability, if specifically checked in Section 7
of the Property Schedule.
c. Labor, materials or services furnished by you on personal property of others.
d. Tenant's improvements and alterations. If you are a tenant and have a lease agreement, we
will pay for your immovable fixtures, improvements and alterations made or acquired at your
expense.
BU9402
(Ed.l.B6)
Page 1
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e. Personal property at location(s) not owned, leased, operated or regularly used by you provid-
ing a specific limit of insurance is shown for such coverage in Section 4 of the Property
Schedule.
B. PROPERTY NOT COVERED
We will not cover the following property or expenses:
1. Accounts, bills, currency, deeds, evidences of debt, money, notes or securities;
2. Animals, unless owned by others and boarded by you, or if owned by you, only as stock while
inside of covered buildings;
3. Automobiles held for sale;
4. Bridges, roadways, walks, patios or other paved surfaces;
5. Contraband, or property in the course of illegal transportation or trade;
6. The cost of excavations, grading, backfilling or filling;
7. Foundations of buildings, structures, machinery or boilers if their foundations are below:
a. The lowest basement floor; or
b. The surface of the ground, if there is no basement;
8. Land (including land on which the property is located), growing crops or lawns;
.
9. Outdoor signs, radio and TV antennas, including their lead-in wiring, masts, or towers, trees,
shrubs or plants, all except as provided under Additional Protection or as specifically shown in
the Property Schedule;
10. Personal property while airborne or waterborne;
11. Pilings, piers, wharves or docks;
12. Property that is covered under another coverage form of this or any other policy in which the
property is more specifically described, except for the excess of the amount due from that other
insurance (whether you can collect it or not);
13. Retaining walls that are not part of the building described in the Property Schedule;
14. Underground pipes, flues or drains;
15. The cost to research, replace or restore the information on valuable papers and records, includ-
ing those which exist on electronic or magnetic media, except as provided under Additional
Protection;
16. Vehicles or self-propelled machines (including aircraft or watercraft) that:
a. Are licensed for use on public roads;
b. Are operated principally away from the described premises; or
c. You do not manufacture, process, warehouse or hold for sale.
This paragraph does not apply to rowboats or canoes out of the water at the described premises;
Page 2
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I
17. Grain, hay, straw, or other crops while outside of buildings.
C. COVERED CAUSES OF LOSS
When the word "Special" is checked in the Property Schedule, covered causes of loss mean risks of
direct physical loss unless the loss is excluded or limited under Sections E, Exclusions, and/or F,
Limitations, of this form.
D. ADDITIONAL PROTECTION
In addition, we will provide you with the following protection for loss or damage resulting from a
covered cause of loss. With the exception of preservation of property and collapse, the limits applica-
ble in this section are in addition to the limits of insurance and are not considered in the application
of coinsurance.
1. Debris Removal
We will pay your expense to remove debris of covered property caused by or resulting from a
covered cause of loss. If the sum of loss or damage and debris removal expense exceeds the limit
of insurance, we will pay up to an additional $5,000 for debris removal expense for each covered
location in anyone loss. Additional limits may be provided if specifically shown in the Property
Schedule.
2. Preservation of Property
If it is necessary to move covered property from the described premises to preserve it from loss or
damage by a covered cause of loss, we will pay for the cost of removal and any direct physical
loss or damage to that property:
a. While it is being moved or while temporarily stored at another location; and
b: Only if the loss or damage occurs within ten (10) days after the property Is moved.
Payment under this coverage will not increase the applicable limit of insurance.
3. Fire Department Service Charge and Fire Extinguisher Recharge
When a fire department is called to save or protect covered property from a covered cause of loss,
we will pay up to $5,000 for your liability for any fire department service charges:
a. Assumed by contract or agreement prior to loss; or
b. Required by local ordinance.
We will also pay up to $1,000 for the cost of recharging your Underwriters Laboratories listed or
Factory Mutual approved fire extinguishers after being used in fighting a fire on your premises or
on adjoining premises.
No deductible applies to this additional coverage.
4. Collapse
We will pay for loss or damage to your property caused by or resulting from direct physical loss
involving COllapse of a covered building or any part of a building caused only by one or more of the
following:
Page 3
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a. The specified causes of loss or breakage of building glass;
b. Hidden decay;
c. Hidden insect or vermin damage;
d. Weight of people or personal property;
e. Weight of rain that collects on a roof;
f. Use of defective material or methods in construction, remodeling or renovation if the col-
lapse occurs during the course of the construction, remodeling or renovation.
We will not pay for loss or damage to:
Outdoor radio or television antennas, including their lead-in wiring, masts or towers; awnings;
gutters and downspouts; yard fixtures; outdoor swimming pools; fences; piers, wharves and
docks; beach or diving platforms or appurtenances; retaining walls; walks, roadways and other
paved surfaces caused by items (b), (c), (d), (e) and (f) under this section, entitled Collapse, unless
the loss or damage is a direct result of the collapse of a building.
Collapse, as used here, does not include settling, cracking, shrinkage, bulging orexpansion.
5. Water Damage
If loss or damage caused by or resulting from a covered water damage loss occurs, we will pay the
cost to tear out and replace any part of the building or structure to repair water damage to the
system or appliance from which the water or steam escapes.
We will not pay the cost of repairing or replacing the system or appliance itself; but we will pay the
cost to repair or replace damaged parts of fire extinguishing equipment if the damage:
a. Results in sprinkler leakage; or
b. Is directly caused by freezing.
6. Garages and Storage Buildings
We will pay up to ten (10) percent of the sum of the building limits shown in the Property Schedule,
not to exceed $25,000, to cover garages and storage buildings when on the covered premises. If
additional limits are required, they must be specifically indicated in the Property Schedule.
7. Newly.Acquired Property
We will pay up to twenty-five (25) percent of the sum of the building limits shown in the Property
Schedule, not to exceed $250,000, to cover any new building while being built on the described
premises or any building you acquire for similar use in your business. This protection also ap-
plies to any new fixtures, additions or alterations you add to an existing building.
We will also pay up to twenty (20) percent of the sum of the personal property limits, but not to
exceed $100,000, to cover such property at newly- acquired locations, other than at fairs or exhibi-
tions.
This coverage will end when any of the following first occurs:
a. This policy expires;
Page 4
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b. Ninety (90) days expire after you acquire or begin to construct the property; or
c. You report values to us.
We will charge you additional premium from the date construction begins or you acquire the
property.
8. Property Off Premises
When coverage is provided under building(s) in the Property Schedule, we will pay up to $5,000 for
loss or damage due to a covered cause of loss to property while temporarily removed from your
premises for the purposes of cleaning, repairing, reconstructing or restoring.
When coverage is provided under Personal Property in the Property Schedule, we will pay up to
$5,000 for loss or damage due to a covered cause of loss to personal property temporarily at
premises not described in the Property Schedule. This coverage will cease sixty (60) days from
the date you begin using such other premises.
This coverage does not include:
a. Salesmen's samples or property at fairs, exhibitions or displays;
b. Property that you rent or lease to others or property that is on someone else's premises for or
during construction or installation;
c. Property in transit or personal property at newly-acquired locations; or
d. Property used for purposes other than your business.
9. Outdoor Property
We will pay for loss or damage to your radio and television antennas, signs, trees, shrubs and
plants, including debris removal expense, as a result of any of the following causes of loss:
a. Fire;
b. Lightning;
c. Explosion;
d. Riot or civil commotion; or
e. Aircraft.
The most we will pay in anyone occurrence for loss or damage under this coverage is $5,000.
10. Continuing the Business
We will pay up to $5,000 to help you maintain normal business operations following the damage
or destruction of a covered building or personal property. This includes the necessary expenses
that are over and above your normal operating costs which are directly related to your loss.
Page 5
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11. Personal Effects and Property of Others
We will pay up to a total of $5,000 in anyone occurrence to cover loss or damage from a covered
cause of loss for:
a. Personal effects that belong to you, your officers, partners or employees while those per-
sonal effects are at the premises described in the Property Schedule; or
b. Personal property of others in your care, custody, or control.
This property is not covered if it is already insured elsewhere. If this coverage is used to protect
someone else's property, we may settle all losses with you and make all payments to you.
12. Valuable Papers and Records
When coverage is provided under Personal Property in the Property Schedule, we will pay up to
$1,000 towards the costs you incur to research, replace or restore the information lost due to the
loss of or damage to valuable papers and records. This coverage includes electronic or magnetic
media for which duplicates do not exist.
13. Property in Transit
When coverage is provided under Personal Property, coverage is provided to your personal prop-
erty(other than property in the care, custody, or control of your salespersons) in transit more than
one hundred (100) feet from the described premises. Property must be in oron a motorvehicleyou
own, lease or operate while between points in the coverage territory. Loss or damage must be
caused by or result from one of the following causes of loss:
a. Fire, lightning, explosion, windstorm or hail, riotor civil commotion, or vandalism.
b. Vehicle collision, upset or overturn. Collision means accidental contact of your vehicle with
another vehicle or object.
c. Theft of an entire bale, case or package by forced entry into a securely locked body or com-
partment of the vehicle. There must be visible marks of forced entry.
The most we will pay for anyone loss or damage under this protection is $1,000.
E. EXCLUSIONS-LOSSES NOT COVERED
1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss
or damage is excluded regardless of any other cause or event that contributes concurrently or in
any sequence to the loss:
a. BUILDING LAWS
We will not cover any loss that results from the enforcement of any law governing the use,
construction, repair or demolition of buildings or other structures, including the removal of
debris. The loss will be covered if your property is destroyed by a civil authority in order to
stop the actual spread of fire.
b. UTILITY FAILURE
We will not cover any loss that results from the failure of power, heating, cooling or other
utility service furnished to a covered location when the cause of the interruption of service
occurs away from that location. However, if a covered cause of loss ensues on the covered
premises, we will pay only for such loss.
Page 6
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c. EARTH MOVEMENT
(1) We will not cover any loss or damage caused by or resulting from:
(a) Any earth movement (other than sinkhole collapse), such as an earthquake, landslide
(including mud slide and mud flow) or earth sinking, rising or shifting. But if loss or
damage by fire or explosion results, we will pay for that resulting loss or damage.
(b) Volcanic eruption, explosion or effusion. But if loss or damage by fire or volcanic
action results, we will pay for that resulting loss or damage.
(2) Volcanic action means direct Joss or damage resulting from the eruption of a volcano
when the loss or damage is caused by:
(a) Airborne volcanic blast or airborne shock waves;
(b) Ash, dust or particulate matter; or
(c) Lava flow.
All volcanic eruptions that occur within any seventy.two (72) hour period will constitute a
single occurrence.
Volcanic action does not include the cost to remove ash, dust or particulate matter that
does not cause direct physical loss or damage to the described property.
d. WATER
We will not cover any loss or damage caused by or resulting from:
(1) Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or their
spray, all whether driven by wind or not;
(2) Mudslide or mud flow;
(3) Water that backs up from a sewer or drain; or
(4) Water under the ground surface pressing on or flowing or seeping through:
(a) foundations, walls, floors or paved surfaces;
(b) basements, whether paved or not; or
(c) doors, windows or other openings.
But if loss or damage by fire, explosion or leaks from sprinklers results, we will pay for that
resulting loss or damage.
e. NUCLEAR
We will not cover any loss or damage caused directly, indirectly, contributed to or aggravated
by nuclear reaction, nuclear radiation or radioactive contamination whether controlled or
uncontrolled. But if loss or damage by fire results, we will pay for that resulting loss or dam-
age.
Page 7
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f. GOVERNMENTAL ACTION
We will not cover seizure or destruction of property by order of governmental authority. But we
will pay for acts of destruction ordered by governmental authority and taken at the time of a
fire to preventits spread.
g. WAR AND MILITARY ACTION
We will not cover any loss or damage caused by or resulting from:
(1) War, including undeclared or civil war;
(2) Warlike action by a military force, including action in hindering or defending against an
actual or expected attack, by any government, sovereign, or other authority using military
personnel or other agents; or
(3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental au-
thority in hindering or defending against any of these.
2. We will not pay for loss or damage caused by or resulting from any of the following except as
provided under Additional Protection:
a. Artificially generated electric current, including electric arcing, that disturbs electrical de-
vices, appliances or wires. But if loss or damage by fire results, we will pay for that resulting
loss or damage.
b. Delay, loss of use or loss of market, interruption of business or any consequential loss of any
nature.
c. Smoke, vapor or gas from agricultural smudging or industrial operations.
d. (1) Wear and tear;
(2) Rust, corrosion, fungus, decay, deterioration, hidden or latent defect or any quality in
property that causes it to damage or destroy itself;
(3) Smog;
(4) Release, discharge or dispersal of contaminants or pollutants;
(5) Settling, cracking, shrinking or expansion;
(6) Insects, birds, rodents or ot~er animals;
(7) Mechanical breakdown, including rupture or bursting caused by centrifugal force; or
(8) The following causes of loss to personal property:
(a) Dampness or dryness of atmosphere;
(b) Changes in or extremes of temperature; or
(c) Marring or scratching.
But if loss or damage by the specified causes of loss or building glass breakage results, we will
pay for that resulting loss or damage.
e. Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased
Page 8
I
by you, or operated under your control. But if loss or damage by fire or combustion explosion
results, we will pay for that resulting loss or damage. We will also pay for loss or damage
caused by or resulting from the explosion of gases or fuel within the furnace of any fired
vessel or within the flues or passages through which the gases of combustion pass.
f. Continuous or repeated seepage or leakage of water that occurs over a period of fourteen (14)
days or more.
g. Water that leaks or flows from plumbing, heating, air conditioning or other equipment (except
fire protective systems) caused by or resulting from freezing, unless:
(1) You use reasonable care to maintain heat in the building or structure; or
(2) You drain the equipment and shut off the water supply if the heat is not maintained.
h. Any dishonest or criminal act by you, or any of your partners, employees, directors, trustees,
authorized representatives or anyone to whom you entrust the property for any purpose:
(1) Acting alone or in collusion with others; or
(2) Whether or not occurring during the hours of employment.
This exclusion does not apply to acts of destruction by your employees; but theft by employ-
ees is not covered.
i. Rain, snow, ice or sleet to personal property in the open.
j. Collapse, except as provided in Additional Protection. But if loss or damage by a covered
cause of loss results at the described premises, we will pay for that resulting loss or damage.
k. Voluntary parting with any property by you or anyone else to whom you have entrusted the
property if induced to do so by any fraudulent scheme, trick, device or false pretense.
3. We will not pay for loss or damage caused by or resulting from any of the following, except as
. provided under Additional Protection. But if loss or damage from a covered cause of loss results,
we will pay for that resulting loss or damage.
a. Weather conditions. But this exclusion applies only if weather conditions contribute in any
way with a cause or event excluded in Section E1 above to produce the loss or damage.
b. Acts or decisions, including the failure to act or decide, of any person, group, organization or
governmental body.
c. Faulty, inadequate or defective:
(1) Planning, zoning, development, surveying, siting;
(2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grad-
ing, compaction;
(3) Materials used in repair, construction, renovation or remodeling; or
(4) Maintenance;
of part or all of any property on or off the described premises.
Page 9
.
I I
-
F. LIMITATIONS
1. We will not pay for loss of or damage to:
a. Steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any
condition or event inside such equipment. But we will pay for loss of or damage to such
equipment caused by or resulting from an explosion of gases or fuel within the furnace of any
fired vessel or within the flues or passages through which the gases of combustion materials
pass.
b. Hot water boilers or other water heating equipment caused by or resulting from any condition
or event inside such boilers or equipment, other than an explosion.
c. The interior of any building or structure caused by or resulting from rain, snow, sleet, ice,
sand or dust, whether driven by wind or not, unless:
(1) The building or structure first sustains damage by a covered cause of loss to its roof or
walls through which the rain, snow, sleet, ice, sand or dust enters; or
(2) The loss or damage is caused by or results from the thawing of snow, sleet or ice on the
building or structure.
d. Building materials and supplies not attached as part of the building or structure caused by or
resulting from theft.
e. Property that is missing, where there is no physical evidence to indicate what has happened
to it, such as shortages disclosed on taking Inventory.
f. Property that has been transferred to a person or to a place outside of the described premises
on the basis of unauthorized instructions.
2. We will not pay for loss of or damage to the following types of property unless causedby the
.specified causes of loss or building glass breakage:
a. Animals, and then only if they are killed or their destruction is made necessary.
b. Fragile articles, such as glassware, statuary, marble, chinaware and porcelains, if broken.
This restriction does not apply to:
(1) Glass that is part of a building or structure;
(2) Containers of property held for sale; or
(3) Photographic or scientific instrument lenses.
c. Valuable papers and records, such as books of account, manuscripts, abstracts, drawings,
card index systems, film, tape, disc, drum, cell or other data processing, recording or storage
media and other records.
3. For loss or damage by theft, the following types of property are covered only up to the limits
shown:
a. $2,500 for furs, fur garments and garments trimmed with fur;
b. $2,500 for jewelry, watches, watch movements, jewels, pearls, precious and semi-precious
stones, bullion, gold, silver, platinum and other precious alloys or metals. This limit does not
Page 10
".' ". .. ,.h ',.' 4,.
,-.~~'~~~.- it_':? .~
I
I
apply to jewelry and watches worth $100 or less per item.
c. $1,000 for stamps, tickets and letters of credit.
G. DEFINITIONS
"Specified causes of loss" mean the following: Fire; lightning; explosion; windstorm or hail; smoke;
aircraft or vehicles; riot or civil commotion; vandalism; leakage from fire extinguishing equipment;
sinkhole cOllapse; volcanic action; falling objects; weight of snow, ice or sleet; water damage.
1. Sinkhole collapse means the sudden sinking or collapse of land into underground empty spaces
created by the action of water on limestone or similar rock formations. It does not include the
cost of filling sinkholes.
2. Falling objects does not include loss or damage to:
a. Personal property in the open; or
b. The interior of a building or structure, or property inside a building or structure, unless the
roof or an outside wall of the building or structure is first damaged by a falling object.
3. Water damage means accidental discharge or leakage of water or steam as the direct result of the
breaking or cracking of any part of a system or appliance containing water or steam.
H. DEDUCTIBLE
The amount of deductible shown in the Property Schedule will be deducted from each adjusted loss
to property covered under this form, except for those optional or additional coverages which specifi.
cally state otherwise.
I. VALUATION-LOSS CONDITION
We will determine the value of property covered in the event of loss or damage as follows:
1. Agreed Value
When the Property Schedule indicates that coverage is written on an agreed value basis, the
coinsurance clause does not apply.
2. Replacement Cost
a. When the Property Schedule indicates that coverage is written on a replacement cost basis,
there will be no deduction for depreciation. We will not pay more for loss or damage on a
replacement cost basis than the least of:
(1) The limit of insurance applicable to the lost or damaged property;
(2) The cost to replace, on the same premises, the lost or damaged property with other prop-
erty:
(a) of comparable material and quality; and
(b) used for the same purpose; or
Page 11
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. ,_-....~:lW. . .
,"" ~ -.: ..
.,.....'<
. \"-,,, ~~:111:~... _ >--......,..;I..'.l.~ ~..~~,~...-,""'l;F, ~.~...~~7'.:"''7 " Y':._' '"-"J~~77""__'.""',:-'''''-'",,:~'__'''~,,,,,u,, "'__......._.d~...~._~
~~,~~~:;:?'~~~?7:"~'~_~~.:~:"~:72~s~~rr::~~~~::~~'~".;~~,:-~~~~(T::.:.l~~ _
'~~:.:r,~:.'~:~-~. '~:'~~ ,'~'.~~:'::;.:.'-J~.Y~{-I~~~:::~:~:':'~~~~~~' .
-. .-;
(3) The amount you actually spend that is necessary to repair or replace the lost or damaged
property.
b. You may make a claim for loss or damage covered by this insurance on an actual cash value
basis instead of on a replacement cost basis. In the event you elect to have the loss or dam-
age settled on an actual cash value basis, you may still make a claim under this coverage
providing you notify us of your intent to do so within 180 days after the loss or damage has
occurred. We will not pay on a replacement cost basis for any loss or damage:
(1) Until the lost or damaged property is actually repaired or replaced; and
(2) Unless the repairs or replacement are made as soon as reasonably possible after the loss
or damage has occurred.
c. Replacement cost does not apply to:
(1) Property of others;
(2) Personal property you furnish in apartments or rooms as landlord;
(3) Manuscripts; works of art; antiques or rare articles, including etchings, pictures, statu-
ary, marbles, bronzes, porcelains and bric-a-brac;
(4) Stock.
3. Actual Cash Value
a. When the Property Schedule indicates that coverage is written on an actual cash value basis,
we may make a deduction for depreciation. The actual cash value will be determined at the
time of loss. Payment will not exceed the least of the following amounts:
(1) Actual cash value; or
.(2) The amount to repair or replacethe damaged property with that of like kind and quality; or
(3) The limit of insurance applying to the property.
b. If the limit of insurance for building(s) satisfies the coinsurance clause and the cost to repair
or replace the damaged building property is $5,000 or less, we will pay the cost of the building
repair or replacement. This provision does not apply to the following even when attached to
the building:
(1) Awnings or floor covering;
,.
(2) Appliances for refrigeration, ventilating, cooking, dishwashing, or laundry; or
(3) Outdoor equipment or furniture.
4. Tenant's Improvements and Alterations
We will pay:
a. The replacement cost or actual cash value at the time of loss as indicated in the Property
Schedule for the damaged or destroyed improvements or alterations, if they are repaired or
replaced at your expense.
b. For the damaged or destroyed improvements or alterations that are not repaired or replaced
within a reasonable time after the loss. We will first divide the period of time between the date
Page 12
of loss and the expiration date of your lease by the period of time between the date the
improvements or alterations were made and the expiration date of your lease. We will then
take the result and multiply it by the original cost of the improvements or alterations. The
resulting figure is the amount we will pay.
We will not pay if the damaged or destroyed improvements or alterations are repaired or replaced
at someone else's expense.
5. Valuable Papers and Records, (including electronic or magnetic media)
We will pay for:
Valuable papers and records, including those which exist on electronic or magnetic media (other
than prepackaged software programs), in an amount equal to the:
a. Blank materials for reproducing the records; and
b. Labor to transcribe or copy the records when there is a duplicate.
6. Stock
We will pay for the:
a. Value of raw stock, supplies and other merchandise not manufactured by you, at the replace-
ment cost.
b. Value of stock in process or finished stock, at the value of raw stock and labor expended, plus
the proper proportion of overhead charges.
c. Value of all stock actually sold but not delivered at the price at which it was sold, less all
discounts and unincurred expense.
7. Glass
We will pay for the cost to replace damaged exterior glass, including encasing frame, burglar
tapes, lettering and ornamentation. We will also replace damaged property with safety glazing
material if required by law.
8. All Other Property
We will pay for all other property at actual cash value at the time of loss.
J. INFLATION GUARD
When the Inflation Guard is provided, the limit of insurance for such property to which this coverage
applies will automatically increase by the annual percentage shown in the Property Schedule.
The amount of increase will be the most recent limit of insurance exclusive of the Inflation Guard
multiplied by the percentage of annual increase shown in the Property Schedule applied pro rata
during each year.
Page 13
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. . . .
I I
K. COINSURANCE
If a coinsurance percentage is shown in the Property Schedule, the following condition applies:
1. We will not pay the full amount of any loss if the value of property covered at the time of loss times
the coinsurance percentage shown for such property in the Property Schedule is greater than the
limit of insurance for the property.
Instead, we will determine the most we will pay using the following steps:
a. Multiply the value of property covered at the time of loss by the coinsurance percentage.
b. Divide the limit of insurance of the property by the figure determined in Step a; and
c. Multiply the total amount of the covered loss before the application of any deductible by the
figure determined in Step b.
d. Subtract the deductible from the figure determined in Step c.
, The amount determined in Step d is the most we will pay. For the remainder of the loss, you will
either have to rely on other insurance or absorb the loss yourself.
2. If one limit of insurance applies to two or more separate items, this condition will apply to the
total of all property to which the limit applies.
L. OPTIONAL COVERAGES
The following optional coverages are subject to the agreements, exclusions, limitations and condi-
tions applicable to this form, except as otherwise provided below:
1. Glass (Applicable to glass not covered under this form)
We will pay for breakage of glass and loss from chemical reaction to glass which is described in
the Glass Coverage Schedule. This must be your property or property of others in your care,
custody or control in that part of the building occupied by you and described in the Property
Schedule.This coverage also includes:
a. The encasing frame, burglar tapes, lettering and ornamentation.
b. The expense of boarding up damaged openings, installing temporary
plates and removing or replacing obstructions when necessary.
c. The expense of replacing glass, using safety glazing materials when required by law.
The most we will pay for loss or damage to glass in anyone occurrence, is the applicable limit of
insurance indicated in the Glass Coverage Schedule.
We will not pay for loss or damage in anyone occurrence until the amount of loss or damage
exceeds the glass deductible shown in the Glass Coverage Schedule.
Coverage may be provided for loss payment for large plates and vacant buildings if specifically
indicated in the Glass Coverage Schedule.
Page 14
I
I
2. Transportation
When the applicable coverage and limits of insurance are shown in the Supplementary Property
Schedule B for Personal Property In Transit, we will pay for physical loss of ordamage to covered
personal property while in due course of transit. .
a. The Property Not Covered section of this form is amended to include:
(1) Loss ordamage to covered personal property while being conveyed by mail or parcel post
facility;
(2) Live animals, fish or birds, unless they are killed ortheirdestruction is made necessary as
a result of fire, collision, or overturn of the transporting vehicle;
b. SPECIAL CONDITIONS
(1) Valuation
The valuation of the property covered will be the actual invoice cost together with such
charges and costs as may have accrued since date of shipment including your commis-
sion as selling agent. In the absence of an invoice, the valuation clause in the form will
apply.
(2) Deductible
The deductible provision of this form will apply unless a specific deductible amount is
shown in the Supplementary Property Schedule B for Personal Property in Transit.
(3) Earth Movement and Water Exclusions
The earth movement and water exclusions contained in this form do not apply to this
transportation option.
(4) F.O.B. Shipments
Your interest in shipments sold "Free on Board" and similar terms is admitted. Meaning
that when the title in the shipment has passed to the consignee and as a result of loss or
damage covered the consignee refuses to pay, you may elect to claim for loss under this
option. In such event, we will pay the amount of the adjusted loss less deductible, if any.
We will not attempt to collect from the consignee without your written agreement and if
agreement is obtained you will assign his right of action to us. In no event will this cover-
age increase the limit of liability shown in the Supplementary Property Schedule B for
Personal Property in Transit.
:-I , ; " ',T""". .\" .". 01 iol'" ,t:.:;,.ij~,(,,'l'r.~ ,..- ;""_' '~"Il1Il"l1"~"~"__",,,,, _....... . ,~.......~..,.....___';..... "':,"-""'~~,....,r-o"""'''''''''''_
Page 15
. Commercial Property coverfge Part
. or
Commercial Inland Marine Policy
EQUIPMENT COVERAGE FORM SCHEDULE
I
I. LIMITS OF INSURANCE
----.---.- ....- m.._.____~._.._.__, ______ ____.___._._ ____~.____ _._ ____..... ___.__._______ __ ___._.. ._____.___ _n_.__ ... _ _.__.__.._______u.____. . ..___ ...______.____...
A._S.g_~_~QIl'=_~_Qf_gg~~~I;_~J:>_'3Q!'~'3_~r_ ___________________ ____ ___. ___ _ _n_ ______hn__nu__ _. ________n
_______________..___Qg~_c;:~IP1J9~_9~~'OVE_RED}~!!9.P!;~1.J_______ _._ ______n __ ___
Item II _I-___..!~a!_ Manl!f~cture.~_______~~~!!J~__..________ ___Om L~!'-~U!1s.!J~an~_e.___
$
SEE ATTACHED SCHEDULE
B. ALL COVERED PROPERTY IN ANY ONE OCCURRENCE
II. COINSURANCE III. VALUATION
100 % GI A6uAL CASH VALUE 0 REPLACEMENT COST
__n__________ -$-0.278 ;-290 r--o.---
IV. DEDUCTIBLE
-- -;---~~~~-/--
BU9420A
(Ed_ t-86)
.
,
I
HOME OFFICE. SOUTH BARRINGTON, ILLINOIS
Page
of
Endorsement No.
EQUIPMENT
l.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
2l.
22.
23.
24.
25.
26.
27.
28.
29.
30.
3l.
32.
33.
34.
35.
36.
37.
38.
39.
40.
4l.
42.
43.
44.
45.
46.
47.
Jac. Triplex Mower-Grns. King #62221-9720
Jac. Triplex Mower-Grns. King #62221-9028
Jac. Triplex Mower-Grns. King #62221-6180
Jac. Triplex Mower-Grns. King #62221-5242
Jac. Triplex Mower-Grns. King #62221-1972
7-Gang Fairway Mower - HF -15
7-Gang Fairway Mower - F -10 #2080
Ford Tractor 4000
Ford Tractor 600
John Deere Tractor -#2040
International Harvestor - frt. end. loader
5-Gang rough mower - hydraulic #185188
5-Gang rough mower - manual
Excel Hustler mower #919779
Jacobsen F-133 mower 167675-2436
Ransome 180 slope mower TR - lIB
Steiner mower S-20
Steiner sweeper L-5
Mott mower - 88
Smithco Sand pro - trap rake 17025
Smithco Sand pro - trap rake
Cushman 4 wheel truckster
Cushman 3 wheel w/125 gal. sprayer #1984
ATV #123 - Heald Hauler -HH-1216
ATV #124 - Heald Hauler - HH - 1216
ATV #125 - Heald Trike - HH -1216
~mithco - 300 gal. sprayer
Bean - 100 gal. sprayer and boom
25 gal. - electric sprayer (battery operated)
Gandy drop spreader 11011
Le1y Spreader
Vicon spreader #PS402
Misc. Tools (each item not over $500.)
Misc. small tools (Keith Herring's)
Jacobsen 720 Sweeper #81720
Jacobsen 590 Fairway Aerator 182591
Ryan Greensaire II
Ryan Greensaire II #544801, 8510
Ryan Mataway #544293-3810
Ford Sickle Bar
Weedeater - Green machine 4000
Weedeater - Green Machine 4000
Green Machine trimmer #3150 with edger attachment
Foley reel grinder #3344
Ryan Sod cutter
Foley Bed-knife grinder
Coleman pressure cleaner
NRU75o:?^.1
VALUE
$ 1l,500V
v'
11,295. ./
11,295.-'
10,895~ _
v'"
8,600.
20,000V
37,785.V'
6,000.\./",
2,500.....,...-
~..J.\',.,.,
1,500.v-
15,000..,,t'"
2 000;/
, V
3,000~
8,000V'
6, 703 V
8,53l.V
1,381../
3,200../
3,595:/
2,500':" .
2,856~,
v
8,380. .
v'
1,962.
V"
1,962.
1,962 Y
1, SOD.,/"
1 , 800 .1/
395. v'
1,000.\/,'
670.1/
1,602.v
30,000. v'
6,000. "",
4,900.<
3 , 180. ";',
/
2,500.
./-
5,620.""
2,200.../
1,300.
360........
360.v
399.v
656 :..-
350.\.-'
650.\./
525.'
.
I
Page
of
EQUIPMENT
48.
49.
50.
5!.
52.
53.
54.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.
66.
67.
68.
"Powertrim" Edger - code 282
Jac. Hand Mower
Jac. Hand Mower
Jac. Hand Mower
Fly -no hand mower
Tanaka - portable eng. pump
Tanaka chainsaw
Pollet jack
1 set of 3 - verticutter reels *groomers*
Golf cart #119
Golf cart 41129
Golf cart 41130
Golf Cart
Torch Welder
Tire changer
Dri 11 Press
Sears Rotori11er
Cushman Topdresser
Onan Generator
Billy-goat vaccum
Weedsweep
NtllJ7'i1);J^ I
!"-~.-:",~-n:"~--"--J'-~'~'~'~~"'~~~~:~"""""'+r:-
I
HOME OFFICE. SOUTH BARRINGTON, ILLINOIS
Endorsement No.
Total
Equipment -Page 2
VALUE
200.V
19501/
195.\..
550.V'
342V.
231.'''/
450.v
125;-' F
3 , 000 J..:.
250.:'-
200.~'
200 !-
200;..
300 ~.~.
200..;>'".
...
350.
200........
1,100.\.
250 :~
418. ·
200.".1
$278,290
.J~d)5d~
'~--""":"":''''''7.1~<<!f-'''' a:IIl:-....-,~, . ....~...,...:...~_''''...~~-...~~~
: I
Commercial Property Coverage Part
or
Commercial Inland Marine Policy
EQUIPMENT COVERAGE FORM
I
THIS FORM IS SUBJECT TO THE DECLARATIONS AND THE APPLICABLE GENERAL CONDITIONS,
SCHEDULES AND ENDORSEMENTS.
A. COVERAGE
We will pay for loss or damage to covered property from any of the covered causes of loss.
1. Covered Property
Covered property as used in this form means the personal property scheduled in the Equipment
Coverage Form Schedule.
2. Property Not Covered
Covered property does not include:
a. Accounts, bills, money, securities, notes, deeds, evidences of debt, plans, design specifica-
tions, blueprints, mechanical drawings, or other similar property;
b. Property while waterborne, unless in transit on ferries, lighters or car floats or property while
located underwater or underground, except while in transit through tunnels;
c. Building materials and supplies or property which has or is intended to become a permanent
part of any structure.
d. Automobiles, motorcycles, motor trucks, trailers, semitrailers and the automotive power
units designed therefor or any other vehicles designed for highway use to transport persons
or property, unless unlicensed and not operated on public roads;
e. Marine vessels, watercraft and aircraft;
3. Covered Causes of Loss
Covered causes of loss means risks of direct physical loss or damage to covered property, except
those causes of loss listed in the Exclusions.
B. EXCLUSIONS
1. We will not pay for a loss or damage caused directly or indirectly by any of the following. Such
loss or damage is excluded regardless of any other cause or event that contributes concurrently
or in any sequence to the loss.
a. GOVERNMENTALACTION
Seizure or destruction of property by order of governmental authority.
But we will pay for acts of destruction ordered by governmental authority and taken at the
time of a fire to prevent its spread if the fire would be covered under this form.
BU9420
(Ed. 1-86)
Page 1
b. NUCLEAR
I
I
Nuclear reaction or radiation, or radioactive contamination, however caused. But if loss or
damage by fire results, we will pay for that resulting loss or damage.
c. WAR AND MILITARY ACTION
(1) War, including undeclared or civil war;
(2) Warlike action by a military force, including action in hindering or defending against an
actual or expected attack, by any government, sovereign or other authority using military
personnel or other agents; or
(3) Insurrection, rebellion, revolution, usurped power or action taken by governmental au-
thority in hindering or defending against any of these.
2. We will not pay for a loss or damage caused by or resulting from any of the following:
a. The weight of a load exceeding the manufacturer's rated capacity of the equipment;
b. Structural, mechanical or electrical failure or breakdown, or maintenance operation, unless
fire ensues and then only for damage caused by fire;
c. Wear and tear, any quality in the property that causes it to damage or destroy itself, hidden or
latent defect, gradual deterioration; dampness, cold or heat;
d. Any fraudulent, dishonest or criminal act(s) committed alone or in collusion with others by:
(1) You or any employee, officer, director, partner or trustee of yours whether or not such
act(s) be committed during regular business hours; or,
(2) Others to whom the property covered hereunder may be entrusted (carriers for hire ex-
cepted);
e. Unexplained loss, loss resulting from mysterious disappearance, or loss or shortage dis-
. closed upon taking inventory;
f. Delay, loss of market, loss of use, interruption of business, or any other indirect or conse-
quentialloss of any kind, however caused.
C. LIMITS OF INSURANCE
The most we will pay for loss or damage in anyone occurrence is the applicable limit of insurance
shown in the Schedule for each item, subject to a maximum per occurrence shown in "All Covered
Property in Any One Occurrence."
D. DEDUCTIBLE
The amount of the deductible shown in the Schedule will be deducted from each adjusted loss to
covered property.
Page 2
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'. .
. 'i/-:.".',. ,_'~:,: '.
I
I
E. COINSURANCE
If a coinsurance percentage is shown in the Schedule, the following condition applies:
1. We will not pay the full amount of any loss if the value of property covered at the time of loss times
the coinsurance percentage shown for such property in the Schedule is greater than the limit of
insurance for the property.
Instead, we will determine the most we will pay using the following steps:
a. Multiply the value of property covered at the time of loss by the coinsurance percentage;
b. Divide the limit of insurance of the property by the figure determined in Step a; and
c. Multiply the total amount of the covered loss, before the application of any deductible, by the
figure determined in Step b; and
d. Subtract the deductible from the figure determined in Step c.
The amount determined in Step d is the most we will pay. For the remainder of the loss, you will
either have to rely on other insurance or absorb the loss yourself.
2. If one limit of insurance applies to two or more separate items, this condition will apply to the
total of all property to which the limit applies.
F.. VALUATION
We will determine the value of property covered in the event of loss or damage as follows:
1. Replacement Cost
a. When the Schedule indicates that coverage is written on a replacement cost basis, there will
be no deduction for depreciation. We will not pay more for loss or damage on a replacement
cost basis than the least of:
(1) The limit of insurance applicable to the lost or damaged property;
(2) The cost to replace the lost or damaged property with other property:
(a) of comparable material and quality; and
(b) used for the same purpose; or
(3) The amount you actually spend that is necessary to repair or replace the lost or damaged
property.
b. You may make a claim for loss or damage covered by this insurance on an actual cash value
basis instead of on a replacement cost basis. In the event you elect to have the loss or dam-
age settled on an actual cash value basis, you may still make a claim for this coverage provid-
ing you notify us of your intent to do so within twelve (12) months after the loss or damage has
occurred. We will not pay on a replacement cost basis for any loss or damage:
(1) Until the lost or damaged property is actually repaired or replaced; and
(2) Unless the repairs or replacement are made as soon as reasonably possible after the loss
or damage.
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2. Actual Cash Value
When the Schedule indicates that coverage is written on an actual cash value basis, we may
make a deduction for depreciation. The actual cash value will be determined at the time of loss.
Payment will not exceed the least of the following amounts:
a. Actual cash value; or
b. The amount to repair or replace the damaged property with that of like kind and quality; or
c. The limit of insurance applying to the property.
G. ADDITIONAL PURCHASED PROPERTY
If during the period of this insurance you purchase additional property of a type already covered by
this form, we will cover such property for up to thirty (30) days. The most we will pay in a loss is the
lesser of:
1. Twenty-five (25) percent of the total limit of insurance shown in the Schedule for all insured prop-
erty; or
2. Fifty thousand (50,000) dollars.
You are required tQ report such property within thirty (30) days from the date of purchase and to pay
any additional premium due. If you do not report such property, coverage will cease automatically
thirty (30) days after the date the property is purchased.
Page 4
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Commercial Property C6verage Part
I
CRIME GENERAL PROVISIONS FORM
THE FOLLOWING GENERAL EXCLUSIONS, GENERAL CONDITIONS AND GENERAL DEFINITIONS AP-
PLY TO ALL CRIME COVERAGE FORMS WHICH MAKE UP THIS POLICY. MODIFICATIONS AND ADDI-
TIONAL CONDITIONS MAY APPEAR IN THE COVERAGE FORMS AND THEIR ENDORSEMENTS AND
WILL PREVAIL OVER THIS FORM.
A. GENERAL EXCLUSIONS
We will not pay for loss as specified below:
1. Acts Committed by You or Your Partners
Loss resulting from any dishonest or criminal act committed by you or any of your partners
whether acting alone or in collusion with other persons.
2. Governmental Action
Loss resulting from seizure or destruction of property by order of governmental authority.
3. Indirect Loss
Loss, that is an indirect result of any act or occurrence covered by this insurance including but
not limited to loss resulting from:
a. Your inability to realize income that you would have realized had there been no loss of, or loss
from damage to, covered property.
b. Payment of damages of any type for which you are legally liable. But, we will pay direct
compensatory damages arising from a loss covered under this insurance.
c. Payment of costs, fees or other expenses you incur in establishing either the existenc~ or the
amount of loss under this insurance.
4. LegalExpenses
Expenses related to any legal action.
5. Nuclear
Loss resulting fro nuclear reaction, nuclear radiation or radioactive contamination, or any related
act or incident.
6. War and Similar Actions
Loss resulting from war, whether or not declared, warlike action, insurrection, rebellion or revolu-
tion, or any related act or incident.
B. GENERAL CONDITIONS
1. Consolidation - Merger
If through consolidation or merger with, or purchase of assets of, some other entity:
BU9450
(Ed.l.B6)
Page 1
r-o--r-- __ -.-- _n-_
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a. Any additional persons become employees; or
b. You acquire the use and control of any additional premises;
any insurance afforded for employees or premises also applies to those additional employees
and premises, but only if you:
a. Give us written notice within thirty (30) days thereafter; and
b. Pay us an additional premium.
2. Coverage Extensions
Unless stated otherwise in the Coverage Form, our liability under any coverage extension is part
of, not in addition to, the limit of insurance applying to the coverage or Coverage Section.
3. Discovery Period for Loss
We will pay only for covered loss discovered no later than one (1) year from the end of the policy
period.
4. Duties in the Event of Loss
After you discover a loss ora situation that may result in loss of, or loss from damge to, covered
property you must:
a. Notify us as soon as possible.
b. Submit to examination under oath at our request and give us a signed statement of your
answers.
c. Give us a detailed, sworn proof of loss within one hundred twenty (120) days.
d.. Cooperate with us in the investigation and settlement of any claim.
5. Joint Insured
a. If more than one Insured is named in the Declarations, the first Named Insured will act for
itself and for every other Insured for all purposes of this insurance. If the first Named Insured
ceases to be covered, then the next Named Insured will become the first Named Insured.
b. If any Insured or partner or officer of that Insured has knowledge of any information relevant
to this insurance, that knowledge is considered knowledge of every Insured.
c. An employee of any Insured is considered to be an employee of every Insured.
d. If this insurance or any of its coverages is cancelled or terminated as to any Insured, loss
sustained by that Insured is covered only if discovered no later than one year from the date of
that cancellation or termination.
e. We will not pay more for loss sustained by more than one Insured than the amount we would
pay if all the loss had been sustained by one Insured.
6. Legal Action Against Us
You may not bring any legal action against us involving loss:
Page 2
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a. Unless you have complied with all the terms of this insurance; and
b. Until ninety (90) days after you have filed proof of loss with us; and
c. Unless brought within two (2) years from the date you discover the loss.
7. Loss Covered Under More Than One Coverage of This Insurance.
If two (2) or more coverages of this insurance apply to the. same loss, we will pay the lesser of:
a. The actual amount of loss, or
b. The sum of the limits of insurance applicable to those coverages.
8. Loss Sustained During Prior Insurance
a. If you, or any predecessor in interest, sustained loss during the period of any prior insurance
that you could have recovered under that insurance except that the time within which to
discover loss had expired, we will pay for it under this insurance, provided:
(1) This insurance became effective at the time of cancellation or termination of the prior
insurance; and
(2) The loss would have been covered by this insurance had it been in effect when the acts or
events causing the loss wen~ committed or occurred.
b. The insurance under this Condition is part of, not in addition to, the limits of insurance apply-
ing to this insurance and is limited to the lesser of the amount recoverable under:
(1) This insurance as of its effective date; or
(2) The prior insurance had it remained in effect.
9. Loss Covered Under This Insurance and Prior Insurance Issued by Us or Any Affiliate:
If any loss is covered:
a. Partly by this insurance; and
b. Partly by any prior cancelled or terminated insurance that we or any affiliate had issued to
you or any predecessor in interest;
the most we will pay is the larger of the amount recoverable under this insurance or the prior
insurance.
10. Non.Cumulation of Limit of Insurance:
Regardless of the number of years this insurance remains in force or the number of premiums
paid, no limit of insurance cumulates from year to year or period to period.
11. Other Insurance
This insurance does not apply to loss recoverable or recovered under other insurance or indem-
nity. However, if the limit of the other insurance or indemnity is insufficient to cover the entire
amount of the loss, this insurance will apply to that part of the loss not recoverable or recovered
under the other insurance or indemnity but not for more than the limit of insurance.
Page 3
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12. Ownership of Property; Interests Covered
The property covered under this insurance Is limited to property:
a. That you own or hold; or
b. For which you are legally liable.
However, this insurance is for your benefit only. It provides no rights or benefits to any other
person or organization.
,
,
j
.
13. Policy Period
a. The policy period is shown in the Declarations.
b. Subject to the Loss Sustained During Prior Insurance condition, we will pay only for loss that
you sustain through acts committed or events occurring during the policy period.
14. Records
You must keep records of all covered property so we can verify the amount of any loss.
15. Recoveries
a. Any recoveries, less the cost of obtaining them, made after settlement of loss covered by this
insurance will be distributed as follows:
(1) To you, until you are reimbursed for any loss that you sustain that exceeds the limit of
insurance and the deductible amount, if any;
(2) Then to us, until we are reimbursed for the settlement made;
(3) Then to you, until you are reimbursed for that part of the loss equal to the deductible
amount, if any.
b. Recoveries do not include any recovery:
(1) From insurance, suretyship, reinsurance, security or indemnity taken for our benefit; or
. (2) Of original securities after duplicates of them have been issued.
16. Territory
This insurance covers only acts committed or events occurring within the United States of Amer.
ica, U.S. Virgin Islands, Puerto Rico, Canal Zone, or Canada.
17. Transfer of Your Rights of Recovery Against Others to Us
You must transfer to us all your rights of recovery against any person or organization for any loss
you sustained and for which we have paid or settled. You must also do everything necessary to
secure those rights and do nothing after loss to impair them.
1
J
18. Valuation - Settlement
a. Subject to the applicable limit of insurance provision we will pay for:
(1) Loss of money for not more than its face value. We may, at our option, pay for loss of
money issued by any country other than the United States of America.
Page 4
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(a) At face value In the money Issued by that country; or
(b) In the United States of America dollar equivalent determined by the rate of exchange
on the day the loss was discovered.
(2) Loss of securities for not more than their value at the close of business on the day the loss
was discovered. We may, at our option;
(a) Pay the value of such securities or replace them in kind, in which event you must
assign to us all your rights, title and interest in and to those securities;
(b) Pay the cost of any Lost Securities Bond required in connection with issuing dupli-
cates of the securities. However, we will be liable only for the payment of so much of
the cost of the bond as would be charged for a bond having a penalty not exceeding
the lesser of the:
i. Value of the securities at the close of business on the day the loss was discov-
ered; or
ii. Limit of insurance.
(3) Loss of, or loss from damage to, property other than money and securities or loss from
damage to the premises for not more than the:
(a) Actual cash value of the property on the day the loss was discovered; or
(b) Cost of repairing the property or premises; or
(c) Cost of replacing the property with property of like kind and quality.
We may, at our option, pay the actual cash value of the property or repair or replace it.
If we cannot agree with you upon the actual cash value or the cost of repair or ~eplace-
. ment, the value or cost will be determined by arbitration.
b. We may, at our option, pay for loss of, or loss from damage to, property other than money: .
(1) In the money of the country in which the loss occurred; or
(2) In the United States of America dollar equivalent of the money of the country in which the
loss occurred determined by the rate of exchange on the day the loss was discovered.
c. Any property that we pay for or replace becomes our property.
C. GENERAL DEFINITIONS
1. "Employee" means:
a. Any natural person:
(1) While in your service (and for thirty (30) days after termination of service); and
(2) Whom you compensate directly by salary, wages or commissions; and
(3) Whom you have the right to direct and control while performing services for you.
Page 5
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b. Any natural person employed by an employment contractor while that person is subject to
your direction and control and performing services for you excluding, however, any such
person while having care and custody of property outside the premises.
But employee does not mean any:
(1) Agent, broker, factor, commission merchant, consignee, independent contractor or repre-
sentative of the same general character; or
(2) Director or trustee except while performing acts coming within the scope of the usual
duties of an employee.
2. "Money" means:
a. Currency, coins and bank notes in current use and having a face value; and
b. Travelers checks, register checks and money orders held for sale to the public.
3. "Property other than money and securities" means any tangible property other than money and
securities that has intrinsic value but does not include any property listed in any coverage form
as property not covered.
4. "Securities" means negotiable and non-negotiable instruments or contracts representing either
money or other property and includes:
a. Tokens, tickets, revenue and other stamps (whether represented by actual stamps or unused
value in a meter) in current use; and
b. Evidences of debt issued in connection with credit or charge cards, which cards are not
issued by you.
but does not include money.
Page 6
. ~omme(C;al Property col~erage Part
COMMERCIAL CRIME COVERAGE FORM A
I
EMPLOYEE DISHONESTY
A. COVERAGE
We will pay for loss of, and loss from damage to, covered property resulting directly form the covered
cause of loss.
1. Covered Property
Money, securities, and property other than money and securities.
2. Covered Cause of Loss
Employee dishonesty.
3. Coverage Extension
EMPLOYEES TEMPORARILY OUTSIDE COVERAGE TERRITORY
We will pay for loss caused by any employee while temporarily outside the territory specified in
the Territory General Condition for a period not more than ninety (90) days.
B. LIMIT OF INSURANCE
The most we will pay for loss in anyone occurrence is the applicable limit of insurance shown in the
Crime Schedule.
C. DEDUCTIBLE
1. We will not pay for loss in anyone occurrence unless the amount of loss exceeds the deductible
amount shown in the Crime Schedule. We will then pay the amount of loss In excess of the
deductible amount, up to the limit of Insurance.
2. You must:
a. Give us notice as soon as possible of any loss of the type insured under this form even though
it falls entirely within the deductible amount.
b. Upon our request, give us a statement describing the loss.
D. ADDITIONAL EXCLUSIONS. CONDITION AND DEFINITIONS
In addition to the provisions in the Crime General Provisions Form this form is subject to the follow-
ing:
1. Additional Exclusions
We will not pay for loss as specified below:
a. EMPLOYEE CANCELLED UNDER PRIOR INSURANCE
BU9451
(Ed. 1-88)
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Loss caused by any employee for whom similar prior insurance has been cancelled and not
reinstated since the last such cancellation.
b. INVENTORY SHORTAGES
Loss, or that part of any loss, the proof of which as to its existence or amount is dependent
upon:
(1) An Inventory computation; or
(2) A profit and loss computation.
2. Additional Condition
CANCELLATION AS TO ANY EMPLOYEE
This insurance is cancelled as to any employee:
a. Immediately upon discovery by:
(1) You; or
(2) Any of your partners, officers or directors not in collusion with the employee;
of any dishonest act committed by that employee whether before or after becoming em-
ployed by you.
b. On the date specified in a notice mailed to you. That date will be at least thirty (30) days after
the date of mailing.
The mailing of notice to you at the last known address will be sufficient proof of notice.
Delivery of notice is the same as mailing.
3. .Addltional Definitions
a. "Employee dishonesty" in paragraph A.2. means only dishonest acts committed by an em-
ployee, whether identified or not, acting alone or in collusion with other persons, except you
or a partner, with the manifest intent to:
(1) Cause you to sustain loss; and also
(2) Obtain financial benefit (other than salaries, commissions, fees, bonuses, promotions,
awards, profit sharing, pensions or other employee benefits earned in the normal course
of employment) for:
(a) The employee; or
(b) Any person or organization intended by the employee to receive that benefit.
b. "Occurrence" means all loss caused by or involving, one or more employees whether the
result of a single act or series of acts.
Page 2
"
c~mmerclal Property covlrage Part
COMMERCIAL CRIME COVERAGE FORM C
I
THEFT, DISAPPEARANCE AN D DESTRUCTION
A. COVERAGE
We will pay for loss of covered property resulting directly from the covered causes of loss.
1. Section 1. - Inside The Premises
a. COVERED PROPERTY
Money and securities inside the premises or a banking premises.
b. COVERED CAUSES OF LOSS
(1) Theft
(2) Disappearance
(3) Destruction
c. COVERAGE EXTENSIONS
(1) Containers of Covered Property
We will pay for loss of, and loss from damage to, a locked safe, vault, cash register, cash
box or cash drawer located in the premises resulting directly from an actual or attempted:
(a) Theft of; or
(b) Unlawful entry into
those containers.
(2) Premises Damage
We will pay for loss from damage to the premises or its exterior resulting directly from an
actual or attempted theft of coverage property if you are the owner of the property or are
liable for damage to it.
2. Section 2. -Outside the Premises
a. COVERED PROPERTY
Money and securities outside the premises in the care and custody of a messenger.
b. COVERED CAUSES OF LOSS
(1) Theft
(2) Disappearance
(3) Destruction
BU9453
(Ed. 1-86)
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c. COVERAGE EXTENSION
Conveyance of Property By Armored Motor Vehicle Company
We will pay for loss of covered property resulting directly from the covered causes of loss
while outside the premises in the care and custody of an armored motor vehicle company.
But, we will pay only for the amount of loss that you cannot recover:
(1) Under your contract with the armored motor vehicle company; and
(2) From any insurance or indemnity carried by, or for the benefit of customers of, the ar-
mored motor vehicle company.
B. LIMIT OF INSURANCE
The most we will pay for loss in anyone occurrence is the applicable limit of insurance shown in the
Crime Schedule.
C. DEDUCTIBLE
We will not pay for loss In anyone occurrence unless the amount of loss exceeds the deductible
amount shown in the Crime Schedule. We will then pay the amount of loss in excess of the deductible
amount, up to the limit of insurance.
D. ADDITIONAL EXCLUSIONS. CONDITION AND DEFINITIONS
In addition to the provisions in the Crime General Provisions Form this form is subject to the follow-
Ing:
1. Additional Exclusions
We will not pay for loss as specified below:
a. ACCOUNTING OR ARITHMETICAL ERRORS OR OMISSIONS
Loss resulting from accounting or arithmetical errors or omissions.
b. ACTS OF EMPLOYEES, DIRECTORS, TRUSTEES OR REPRESENTATIVES
Loss resulting from any dishonest or criminal act committed by any of your employees, direc-
tors, trustees or authorized representatives:
(1) Acting alone or in collusion with other persons; or
(2) While performing services for you or otherwise.
c. EXCHANGES OR PURCHASES
Loss resulting from the giving or surrendering of property in any exchange or purchase.
d. FIRE
Loss from damage to the premises resulting from fire, however caused.
Page 2
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(c) Deeds, liens or contracts.
b. The amount of extra expense will be determined based upon:
(1) All expenses that exceed the normal operating expenses that would have been incurred
by operations during the period of restoration if no direct physical loss or damage had
occurred. We will deduct from the total of such expenses:
(a) The salvage value of any property bought for temporary use during the period of resto-
ration that remains once operations are resumed; and
(b) Any extra expense that is paid for by other insurance, except for insurance that is
written subject to the same plan, terms, conditions and provisions as this Insurance;
and
(2) All necessary expenses that reduce the business income loss that otherwise would have
been incurred.
2. Resumption of Operations
We will reduce the amount of your:
a. Business income loss, other than extra expense, to the extent you can resume your opera-
tions, in whole or in part, by using damaged or undamaged property (including merchandise
or stock) at the described premises or elsewhere.
b. Extra expense loss to the extent you can return operations to normal and discontinue such
extra expense.
3. Coinsurance
The coinsurance provision contained in your Building and Personal Property Coverage Form is
replaced by the following:
COINSURANCE
If a coinsurance percentage is shown in the Business Income Schedule, the following condi-
tion applies inaddition to the applicable General Provisions:
We will not pay the full amount of any loss if the limit of insurance for business income is less
than:
a. The coinsurance percentage shown for business income in the Business Income Sched-
ule; times
b. The sum of:
(1) The net income (Net profit or loss before income taxes), and
(2) All operating expenses, including payroll expenses, that would have been earned
(had no loss occurred) by your operations at the described premises for the twelve (12)
months following the Inception, or last anniversary date, of this policy (whichever is
later).
Instead, we will determine the most we will pay using the following steps:
(1) Multiply the net income and operating expense for the twelve (12) months following
the inception, or last previous anniversary date, of this policy by the coinsurance
percentage;
Page 5
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(2) Divide the limit of insurance for the described premises by the figure determined in
Step (1); and
(3) Multiply the total amount of the covered loss by the figure determined in Step (2).
The amount determined in Step (3) Is the most we will pay. For the remainder you will
either have to rely on other Insurance or absorb the loss yourself.
4. All Other Terms
All other terms of your policy remain the same.
H. OPTIONAL COVERAGES
The following optional coverages apply to this form only if they are specifically indicated in the
Business Income Schedule'. The conditions, exclusions and other provisions of the Business Income
Coverage Form will apply unless modified in the optional coverage(s).
1. Growth Guard
The limit of insurance provided for business income will be automatically increased by the
growth guard percentage shown in the Business Income Schedule at the end of each period of
three months after the inception date of this policy.
2. Extended Business Income
Under paragraph B5, Extended Business Income the number "60" in sub-paragraph (b)(2) is re-
placed by the number shown in the Business Income Schedule for this optional coverage.
3. Building Laws
We will pay for the loss you sustain because of the interruption of your business from a covered
cause of loss through the enforcement of any law or ordinance that:
-3. Regulates the construction or repair of any property;
b. Requires the tearing down of parts of any property not damaged by a covered cause of loss;
and
c. Is in force at the time of loss.
WHEN COVERAGE BEGINS AND ENDS
a. Coverage begins with the date of direct physical loss or damage caused by or resulting from
any covered cause of loss at the'described premises;
4. Tuition and Fees (Applicable to Educational Institutions)
a. LIMITED COVERAGE
If limited coverage is indicated in the Business Income Schedule, business income is revised
to include tuition and fees from students, including fees from room, board, laboratories and
other similar sources.
Page 6
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e. MONEY OPERATED DEVICES
Loss of property contained in any money operated device unless the amount of money depos-
ited in it is recorded by a continuous recording instrument in the device.
1. TRANSFER OR SURRENDER OF PROPERTY
(1) Loss of property after it has been transferred or surrendered to a person or place outside
the premises or banking premises:
(a) On the basis of unauthorized instructions; or
(b) As a result of a threat to do:
i. Bodily harm to any person; or
ii. Damage to any property.
(2) But; this exclusion does not apply under Coverage, Section 2. to loss of covered property
while outside the premises or banking premises in the care and custody of a messenger if
you:
(a) Had no knowledge of any threat at the time the conveyance began; or
(b) Had knowledge of a threat at the time the conveyance began, but the loss was not
related to the threat.
g. VANDALISM
Loss from damage to the premises or Its exterior or to containers of covered property by
vandalism or malicious mischief.
h. VOLUNTARY PARTING OF TITLE TO OR POSSESSION OF PROPERTY
Loss resulting from your, or anyone acting on your express or implied authority, being in-
duced by any dishonest act to voluntarily part with title to or possession of any property.
2. Additional Condition
DUTIES IN THE EVENT OF LOSS
If you have reason to believe that any loss of, or loss from damage to, covered property involves a
violation of law, you must notify the police.
3. Additional Definitions:
a. "Banking premises" means the interior of that portion of any building occupied by a banking
institution or similar safe depository.
b. "Messenger" means you, any of your partners or any employee while having care and custody
of the property outside the premises.
c. "Occurrence" means all loss whether:
(1) Caused by one or more persons; or
(2) Involving a single act or series of related acts.
Page 3
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d. "Premises" means the interior of that portion of any building you occupy in conducting your
business.
e. "Theft" means any act of stealing.
Page 4
Commercial Property Coverage Part
Commercial Inland Marine Policy
Business Income Coverage Part
CHANGES-POLLUTANTS
A. The changes below apply to the following forms:
BUILDING AND PERSONAL PROPERTY COVERAGE FORM
BUILDERS' RISK COVERAGE FORM
1. Under Property Not Covered, the following is added:
Covered property does not include water.
2. The Debris Removal section under Additional Protection is replaced by the following:
Debris Removal
a. We will pay your expense to remove debris of covered property caused by or resulting from a
covered cause of loss that occurs during the policy period. The expenses will be paid only if
they are reported to us within one hundred eighty (180) days of the earlier of:
(1) The date of direct physical loss or damage; or
(2) The end of the policy period.
b. The most we will pay under this additional protection Is twenty-five (25) percent of the sum of:
(1) The amount we pay for the direct loss or damage, plus
(2) The deductible in this policy applicable to that loss or damage.
But if the sum of loss or damage and debris removal expense exceeds the limit of Insurance,
or the debris removal expense exceeds the amount payable under the twenty-five (25) percent
debris removal protection limitation above, we will pay up to an additional $5,000 for each
location in anyone occurrence under the Debris Removal Additional Protection.
c. This additional protection does not apply to the costs to:
(1) Extract pollutants from land or water; or
(2) Remove, restore or replace polluted land or water.
3. The following additional protection is added:
Pollutant Clean Up and Removal
We will pay your expense to extract pollutants from land or water at the described premises if the
release, discharge or dispersal of the pOllutants is caused by or results from a covered cause of
loss that occurs during the policy period. The expenses will be paid only if they are reported to us
within one hundred eighty (180) days of the earlier of:
a. The date of direct physical loss or damage; or
b. The end of the policy period.
BU9481.1
(Ed. 2-86)
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The most we will pay for each location under this additional protection is $10,000 for the sum of
all such expenses arising out of covered causes of loss occurring during each separate twelve
(12) month period of this policy. This limit is in addition to the limits of insurance.
4. The following definition is added:
"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.
B. The period of restoration definition is revised to include the following in the:
BUSINESS INCOME COVERAGE FORM
EXTRA EXPENSE COVERAGE FORM
BUSINESS INCOME FROM DEPENDENT PROPERTIES-BROAD FORM
BUSINESS INCOME FROM DEPENDENT PROPERTIES-LIMITED FORM
EXTRA EXPENSE FROM DEPENDENT PROPERTIES FORM
"Period of restoration" does not include any increased period required due to the enforcement of any
law that:
(1) Regulates the construction, use or repair, or requires the tearing down of any property; or
(2) Regulates the prevention, control, repair, clean-up or restoration of environmental damage.
C. The Building and Personal Property Coverage Forms (Special) and (Supra) are revised as follows:
1. The exclusion of "Release, discharge or dispersal of contaminants or pollutants" contained in
these forms is deleted.
2. The following exclusion is added to these forms:
.,
We will not pay for loss or damage caused by or resulting from the release, discharge or dispersal
9~ pollutants unless the release, discharge or dispersal is itself caused by any of the specified
causes of loss. But if loss or damage by the specified causes of loss results, we will pay for the
resulting damage caused by the specified cause of loss.
Page 2
Co~merc/al Property Cov4-age Part
or
Commercial Inland Marine Policy
I
SMALL BUSINESS COMPUTER COVERAGE FORM SCHEDULE
I. LIMIT OF INSURANCE
A. COVERED PROPERTY AT SCHEDULED LOCATIONS
Locallon(s) Limit of Insurance .'
525 North Betty Lane J1earwater, Fl 22,000. V'
1. $
2. $
3. $
COVERED PROPERTY WHILE IN TRANSIT $ NIA V
B. ADDITIONAL PROTECTION - MEDIA AND EXTRA EXPENSE
1. The IImit(s) for Media and Extra Expense provided to you will be 25% of the limit for each respective
location stated in I.A. above. Unless increased limits are shown in the spaces provided below, the auto.
matic 25% limit will apply for each.
Locallon Media Limit Extra Expense Limit
of Insurance of Insurance
LOCATION 1. $ $
LOCATION 2. $ $
LOCATION 3. $ $
2. While in Transit: $ $
Limit of Insurance
C. ALL COVERED PROPERTY, MEDIA AND EXTRA EXPENSE IN ANY $ 22,000 V
ONE OCCURRENCE
II. EXTENSIONS OF COVERAGE
When an "X" appears in the following block(s), the following exclusion(s) is deleted:
o EARTH MOVEMENT, o FLOOD,
Exclusion C. 1. d. Exclusion C. 1. e.
III. DEDUCTIBLE
Covered Loss Deductible Amount
APPLICABLE TO LOSS OR DAMABE CAUSED BY EARTH MOVEMENT, IF COVERED $ Not Cove red ...;
APPLICABLE TO LOSS OR DAMAGE CAUSED BY FLOOD, IF COVERED $ , " ../
APPLICABLE TO ALL OTHER COVERED CAUSES OF LOSS OR DAMAGE $ 250.00/
Description:
IBM System 23 Computer
BU9482A
(Ed. 1-ll6)
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Commercial Properly Coverage Part
or
Commercial Inland Marine Policy
SMALL BUSINESS COMPUTER COVERAGE FORM
THIS FORM IS SUBJECT TO THE DECLARATIONS AND THE APPLICABLE GENERAL CONDITIONS,
SCHEDULES AND ENDORSEMENTS.
A. COVERAGE
We will pay for loss or damage to covered property from any of the covered causes of loss.
1.. Covered Property
Covered property as used in this form means data processing equipment and component parts,
except media, that you own, lease from others or that is under your control while located at the
location(s) described in the Schedule.
Transit coverage may also be provided if a limit is shown in the Schedule.
2. Property Not Covered
Covered property does not include:
a. Property rented or leased to others while away from your premises;
b. Accounts, bills, evidences of debt, valuable papers, records, abstracts, deeds, manuscripts
or other documents that are not in data processing media form;
c. Any data processing media which cannot be replaced with other data processing media of
like kind and quality.
3. Covered Causes of loss
Covered causes of loss means risks of direct physical loss or damage to covered property, except
those causes of loss listed in the Exclusions.
B. ADDITIONAL PROTECTION
We will provide you with the following additional protection for loss or damage resulting from a
covered cause of loss.
1. Media
Active data processing media, which is your property or the property or the property of others for
which you are liable. The term "media" means all forms of converted data and/or instruction
vehicles used by you in your data processing operations.
Transit coverage may also be provided if a limit is shown in the Schedule.
2. Extra Expense
Extra expense necessarily incurred by you to continue normal operations which are interrupted
as a result of a covered cause of loss to covered property. This additional protection is only
applicable for the period of time necessary to restore data processing operations with due dili-
gence and dispatch.
BU9482
(Ed. 1-86)
Page 1
Transit coverage may also be provided ita limit is shown in the Schedule.
The above Additional Protection coverages are automatically provided for an amount equal to
twenty-five (25) percent of the limit stated for each location in Section I.A. of the Schedule. This
twenty-five (25) percent limit is In addition to the limit indicated in I.A. for each location. This auto-
matic limit can be increased upon your request and the new increased limit will be shown In the
appropriate place in Section II of the Schedule. If you choose limits higher than those automatically
included limits, you will be charged an additional premium for the amount which exceeds the in-
cluded twenty-five (25) percent amounts.
C. EXCLUSION
1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss
or damage is excluded regardless of any other cause or event that contributes concurrently or in
any sequence to the loss.
a. GOVERNMENTAL ACTION
Seizure or destruction of property by order of governmental authority. But we will pay for acts
of destruction ordered by governmental authority and taken at the time of a fire to prevent its
spread if the fire would be covered under this form.
b. NUCLEAR
Nuclear reaction or radiation, or radioactive contamination, however caused. But if loss or
damage by fire results, we will pay for that resulting loss or damage.
c. WAR AND MILITARY ACTION
(1) War, including undeclared or civil war;
(2) Warlike action by a military force, including action in hindering or defending against an
actual or expected attack, by any government, sovereign or other authority using military
personnel or other agents; or
(3) Insurrection, rebellion, revolution, usurped power or action taken by governmental au-
thority in hindering or defending against any of these.
d. EARTH MOVEMENT
(1) Any earth movement (other than sinkhole collapse), such as an earthquake, landslide
(including mud slide and mudflow) or earth sinking, rising or shifting. But if loss or dam-
age by fire or explosion results, we will pay for that resulting loss or damage.
(2) Volcanic eruption, explosion or effusion. But if loss or damage by fire or volcanic action
results, we will pay for that resulting loss or damage.
Volcanic action means direct loss or damage resulting from the eruption of a volcano
when the loss or damage is caused by:
(a) Airborne volcanic blast or airborne shock waves;
(b) Ash, dust or particulate matter; or
(c) Lava flow.
All volcanic eruptions that occur within any seventy-two (72) hour period will constitute a
Page 2
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single occurrence.
Volcanic action does not include the cost to remove ash, dust or particulate mater that
does not cause direct physical loss or damage to the described property.
This exclusion shall not apply to property in transit.
e. FLOOD
Flood means waves, tides, tidal waves, mud slide or mudflow, overflow of any body of water,
or their spray, all whether driven by wind or not. But if loss or damage by fire, explosion or
leaks from sprinklers results, we will pay for that resulting loss or damage.
This exclusion shall not apply to property in transit.
2. We will not pay for loss or damage caused by or resulting from any of the following:
a. Delay, loss of market, loss of use, or interruption of business.
b. Any fraudulent, dishonest or criminal act(s) committed alone or in collusion with others by:
(1) You or any employee, officer, director, partner or trustee of yours whether or not such
act(s) be committed during regular business hours; or,
(2) Others to whom the property covered hereunder may be entrusted (carriers for hire ex-
cepted);
c. (1) Wear and tear;
(2) Fungus, decay, deterioration, hidden or latent defect or any quality in the property that
causes it to damage or destroy itself;
(3) Settling, cracking, shrinking or expansion;
(4) Insects, birds, rodents or other animals;
(5) Actual work upon the property covered;
But if loss or damage by fire or explosion results, we will pay for that resulting loss or damage.
d. Dryness or dampness of atmosphere, extremes of temperature, corrosion, or rust unless
directly resulting from physical damage to the data processing systems air conditioning
facilities caused by a cause of loss not otherwise excluded;
e. Mechanical breakdown, short circuit, blow-out, or other electrical disturbance, other than
lightning, within electrical apparatus, unless fire or explosion ensues and then only for loss,
damage or expense caused by such ensuing fire or explosion;
f. Unexplained loss, loss resulting from mysterious disappearance or loss or shortage dis-
closed upon taking inventory;
g. Input, programming or processing errors.
D. LIMITS OF INSURANCE
The most we will pay for loss or damage to Covered Property, Media and for Extra Expense in anyone
occurrence is the applicable Iimit(s) of insurance shown in the Schedule.
Page 3
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E. DEDUCTIBLE
The amount of the deductible shown in the Schedule will be deducted from each adjusted covered
loss.
F. COINSURANCE AODlicable Onlv to Covered Prooertv as Described In Section A.1.
1. We will not pay the full amount of any loss if the replacement cost value of property covered at the
time of loss is greater than the appropriate limit of insurance shown in the Schedule.
2. Instead, we will pay the same proportion that the amount insured bears to the replacement cost
value of the covered property using the following steps:
a. Divide the limit of insurance as shown in I.A. of the Schedule by the replacement cost value of
all covered property at the time of loss; and
b. Multiply the total amount of the covered loss, before the application of any deductible, by the
figure determined in Step a.; and
c. Subtract the deductible from the figure determined in Step b.
The amount determined in Step c. is the most we will pay. For the remainder of the loss, you will
either have to rely on other insurance or absorb the loss yourself.
3. If this form covers two (2) or more items, whether scheduled or not, it shall be at our option to
apply the foregoing to each item separately.
G. VALUATION
We will determine the value of property covered in the event of loss or damage. We will not pay more
than the least of:
1. The limit of insurance applicable to the lost or damaged property;
2. The cost to replace the lost or damaged covered property with other property:
a. of comparable material and quality; and
b. used for the same purpose; or
3. The amount you actually spend that is necessary to repair or replace the lost or damaged prop-
erty.
If the covered property is not actually repaired or replaced, we will pay you for lost or damaged
covered property on the basis of the actual cash value at the time of loss. This method includes a
deduction for depreciation.
H. DEFINITION
"Actual cash value" means the present-day value of property measured in cash, arrived at by taking
the replacement cost and deducting for depreciation brought about by physical wear and obsoles-
cence where applicable.
Page 4
"
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I
Commercial Property Coverage Part
I
CHANGES-BUILDING AND PERSONAL PROPERTY COVERAGE FORM
(SPECIAL)
This endorsement modifies your coverage as follows:
A. Paragraph 9 of the Property Not Covered Section is replaced by the following:
9. Outdoor signs, trees, shrubs or plants, all except as provided under Additional Protection or as
specifically shown in the Property Schedule;
B. The Outdoor Property Additional Protection is replaced by the following:
9. Outdoor Trees, Shrubs and Plants
We will pay for loss or damage to your outdoor trees, shrubs and plants, including debris removal
expense, caused by or resulting from any of the following causes of loss:
a. Fire;
b. Lightning;
c. Explosion;
d. Riot or civil commotion; or
e. Aircraft.
The most we will pay in anyone occurrence for loss or damage under this coverage is $5,000.
C. The following is added under the Additional Protection Section:
14. Outdoor Signs
We will pay up to $5,000, including debris removal, for loss or damage to your outdoor signs, caused
by or resulting from a covered cause of loss.
D. The following is added to the Limitations Section paragraph 1:
g. Radio or television antennas including their lead-in wiring, masts, or towers caused by or result-
ing from ice, snow or sleet or by windstorm or hail, or as excluded under Additional Protection,
Collapse.
BU9505
(Ed. H16)
Page 1
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Commer.cial Property Coverage Part
t
FLORIDA CHANGES
This endorsement modifies insurance under the following:
COMMERCIAL PROPERTY COVERAGE PART
SCHEDULE
Premo No. Bldg. No.
CONDOMINIUM ADDITIONAL BUILDING PROPERTY
Additional Covered ProDertv
A. The following provisions applies when a coinsurance percentage is shown in the Property Sched-
ule:
Florida law states as follows:
Coinsurance contract: The rate charged in this policy is based upon the use of the coinsurance
clause attached to this policy, with the consent of the Insured.
B. The following is added:
If loss or damage to covered property is caused by or results from windstorm, the following
exclusion applies in:
1. Broward County;
2. Dade County;
3. Martin County;
.
4. Monroe County;
5. Palm Beach County; and
6. All the areas east of the west bank of the Inter-Coastal Waterway in the Counties of:
a. Indian River; and
b. St. Lucie.
WINDSTORM EXTERIOR PAINT AND WATERPROOFING EXCLUSION
We will not pay for loss or damage to:
1. Paint; or
2. Waterproofing material;
Applied to the exterior of Building.
We will not include the value of paint or waterproofing material to determine:
a. The amount of the windstorm or hail deductible; or
BU9800.1
(Ed.'.8?)
Page 1
,
I
b. The value of covered property when applying the Coinsurance Condition.
c. The following provisions apply to the Condominium Commercial Unit-Owners Endorsement:
a. The following is added to Personal Property in the Covered Property section:
Floor coverings, wall coverings and ceiling coverings within individual units.
b. The following is added to the Additional Condition Section:
We waive our rights to recover payment from the association.
D. The following provisions applies to the Condominium Association Endorsement:
Building in the Covered Property section is replaced by the following:
1. Building, meaning the building or structure described in the Property Schedule, including:
a. Completed additions;
b. Permanently installed fixtures, machinery and equipment;
c. Outdoor fixtures;
d. Personal property owned by you that is used to maintain or service the building or struc-
ture;
e. If not covered by other insurance, materials, equipment and supplies, on or within one
hundred (100) feet of the described premises, used for making additions, alterations or
repairs to the building or structure; and
f. Any of the following types of property contained within a unit, if your Condominium Asso-
ciation Agreement requires you to insure it:
(1) Your fixtures, improvements and alterations that are a part of the building or struc-
ture;
(2) Your appliances, such as those used for refrigerating, ventilating, cooking, dishwash-
ing, laundering, security or housekeeping; and
(3) Fixtures, installations or additions owned by unit-owners and comprising that part of
the building within the unfinished interior surfaces of the perimeter walls, floors and
ceilings of the individual units:
(a) Initially installed in accordance with the original plans and specifications, or re-
placements of like kind or quality as those initially installed; or
(b) As existed at the time the unit was initially conveyed, if the original plans and
specifications are not available. .
(4) Additional property as described in the Schedule.
But building does not include:
(1) Personal property owned by, used by or in the care, custody or control of a unit-
owner except for personal property listed in Paragraph D.1.f. above, and
(2) Floor coverings, wall coverings and ceiling coverings within individual units, un-
less prior to October 1, 1986, the Association is required by the Declarations to
provide coverage therefor.
With respect to coverage for fixtures, installations and additions provided in Paragraph
0.1.1. above, each unit-owner will be considered an additional Insured.
Page 2
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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
FLORIDA CHANGES - CANCELLATION AND NONRENEWAL
A. Paragraph 2. of the Cancellation and Non-Renewal Common Policy Condition is replaced by the
following:
2. a. Cancellation for Policies In Effect Ninety (90) Days or Less
If this policy has been in effect for ninety (90) days or less, we may cancel this pOlicy by
mailing or delivering to the first Named Insured written notice of cancellation, accompanied
by the reasons for cancellation, at least:
(1) Ten (10) days before the effective date of cancellation if we cancel for nonpayment of
premium.
(2) Twenty (20) days before the effective date of cancellation if we cancel for any other rea-
son, except we may cancel immediately if there has been:
(a) A material misstatement or misrepresentation; or
(b) A failure to comply with underwriting requirements established by the insurer.
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b. Cancellation for Policies in Effect for More Than Ninety (90) Days
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If this policy has been in effect for more than ninety (90) days, we may cancel this policy only
for one or more of the following reasons:' ,-.". .
(1) Nonpayment of premium;
(2) The policy was obtained by material misstatement;
(3) There has been a failure to comply with underwriting requirements within ninety (90) days
. of the effective date of coverage;
(4) There has been a substantial change in the risk covered by the policy; or
(5) The cancellation is for all insureds under such pOlicies for a given class of insureds.
If we cancel this pOlicy for any of these reasons, we will mail or deliver to the first Named
Insured written notice of cancellation, accompanied by the reasons for cancellation, at
least:
(a) Ten (10) days before the effective date of cancellation if cancellation is for the reason
stated in b.(1) above; or
(b) Forty.five (45) days before the effective date of cancellation if cancellation is for the
reasons stated above in b.(2), (3), (4) or (5) above.
B. The following is added and supersedes any other provision to the contrary:
Nonrenewal
1. If we decide not to renew this policy we will mall or deliver to the first Named Insured written
notice of nonrenewal, accompanied by the reason for nonrenewal, at least forty-five (45) days
prior to the expiration of this policy.
BU9845
(Ed. t-ll7)
Page 1
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2. Any nollee of nonrenewallll be mailed or delivered to the first Na!ed Insured's last mailing
address known to us. If notice Is mailed, proof of mailing will be sufficient proof of notice.
c. The Legal Action Against Us In the General Conditions Form and the Crime General Provisions Form
Is amended to provide that legal action has to be brought within five (5) years.
Page 2
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BUSINESS INCOME
BUSINESS INCOME SCHEDULE
I
1. LIMITS AND INSURANCE APPLICABLE
Premises locations
(Pronert Schedule)
location Building
No. No.
Business Income *
Forms Applicable
Deductible
Coinsurance
or
Percentages or
Fractions
Applicable
o . 333 ,/
50 V
li mi ts
of
Insurance
0001 001
0001 001
MONTHLY lIMIT OF INDEM. ~
BUSINESS INCOME V
100,00V
2. OPTIONAL COVERAGE AND AMENDMENTS. THE FOllOWING COVERAGES AND AMENDMENTS ARE PROVIDED WHEN
INDICATED BY AN "X" BELOW.
Coverage
D
D
GROWTH GUARD--Percent To Be Applied Quarterly ----!
AGREED VALUE
D BUILDING lAWS
Amendments
D The Electronic Media and Records limitation does not apply.
D EXTENDED BUSINESS INCOME. Extend number of days from 60 to ___
*Indicate which form applies: Business Income, Extra Expense, Monthly limit of Indemnity, Maximum
Period of Indemnity, Tuition & Fees (limited or Broad Coverage) or Other
BU9500 (Ed 1-86)
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Business Income Coverage Part
BUSINESS INCOME COVERAGE FORM
THIS FORM IS SUBJECT TO THE BUILDING AND PERSONAL PROPERTY COVERAGE FORM, DECLA-
RATIONS AND THE APPLICABLE GENERAL CONDITIONS, SCHEDULES AND ENDORSEMENTS.
A. COVERAGE
We will pay for the actual loss of business income you sustain due to the necessary suspension of
your operations during the period of restoration. The damage or destruction must occur while this
form is in effect and be caused by a covered cause of loss to property at the premises described in the
Schedule.
Business Income
Business income means the:
1. Net income (Net profit or loss before income taxes) that would have been earned or incurred; and
2. Continuing normal operating expenses, including payroll incurred.
B. ADDITIONAL PROTECTION
In addition, we will provide you with the following protection resulting from a covered cause of loss.
1. Extra Expense
Extra Expense means necessary expenses you incur during the period of restoration that you
would not have incurred if there had been no direct physical loss or damage to property at the
premises described in the Schedule caused by or resulting from a covered cause of loss.
a. We will pay any extra expense to avoid or minimize the suspension of business and to con-
tinue operations:
(1) At the described premises; or
(2) At replacement premises or at temporary locations, including:
(a) Relocation expenses; and
(b) Costs to equip and operate the replacement or temporary locations.
b. We will pay any extra expense to minimize the suspension of business if you cannot continue
operations. .
c. We will pay any extra expense to:
(1) Repair or replace any property; or
(2) Research, replace or restore the lost information on damaged valuable papers and re-
cords;
to the extent it reduces the amount of loss that otherwise would have been payable under this
form.
BU9501
(Ed.l.BB)
Page 1
I
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2. Civil Authority
We will pay for the actual loss of business income you sustain and necessary extra expense
incurred due to action of civil authority that prohibits access to the described premises due to
direct physical loss of or damage to property, other than at the described premises, caused by or
resulting from any covered cause of loss. This coverage will apply only for a period of up to two
consecutive weeks from the date of that civil authority action.
3. Alterations and New Buildings
We will pay for the actual loss of business income you sustain due to direct physical loss or
damage at the described premises, caused by or resulting from any covered cause of loss to:
a. New buildings or structures, whether complete or under construction;
b. Alterations or additions to existing buildings or structures; and
c. Machinery, equipment, supplies or building materials located on or within one hundred (100)
feet of the described premises and:
(1) To be used in the construction, alterations or additions; or
(2) Incidental to the occupancy of new buildings.
If such direct physical loss or damage delays the start of operations, the period of restoration will
begin on the date operations would have begun if the direct physical loss or damage had not
occurred.
4. Newly Acquired Locations
a. You may extend your Business Income Coverage to apply to property at any location you
acquire other than at fairs or exhibitions.
b. The most we will pay for loss under this extension is ten (10) percent of the limit of insurance
for business income shown in the Business Income Schedule, but not more than $100,000 at
. each location.
c. Insurance under this protection for each newly acquired location will end when any of the
following first occurs:
(1) This policy expires;
(2) Thirty (30) days expire after you acquire or begin to construct the property; or
(3) You report values to us.
We will charge you additional premium for values reported from the date you acquire the
property.
5. Extended Business Income
We will pay for the actual loss of business income you incur during the period that:
a. Begins on the date property (except finished stock) is actually repaired, rebuilt or replaced
and operations are resumed; and
b. Ends on the earlier of:
(1) The date you could restore your business, with reasonable speed, to the condition that
would have existed if no direct physical loss or damage occurred; or
Page 2
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(2) Sixty (60) consecutive days after the date determined in (1) above.
Loss of business income must be caused by direct physical loss or damage at the described
premises caused by or resulting from any covered cause of loss.
C. ADDITIONAL EXCLUSIONS
All of the exclusions which apply under your Building and Personal Property Coverage Form apply to
this form. Other losses we will not cover include:
1. Finished Stock
We will not cover any loss caused by or resulting from:
a. Damage or destruction of finished stock; or
b. The time required to reproduce finished stock.
This exclusion does not apply to extra expense.
2. Cancellation of Contracts
We will not cover any loss that is caused by the suspension, lapse or cancellation of any lease,
license, contract or order.
However, if the suspension, lapse or cancellation results directly from the interruption of your
business, we will cover any increase in a covered loss that affects your earnings. We will only pay
for such increase while your property is being restored.
3. Strike
We will not cover any increase in loss caused by strikers or anyone else at a covered location who
interferes with efforts to repair damage or efforts to resume or continue business.
However, you can recover for an increase In a covered loss when a strike on another's premises
prevents you from resuming or continuing business.
4. Expenses for Putting Out a Fire
We will not cover expenses you have incurred in putting out a fire.
5. Direct Loss
We will not cover any direct damage to property.
6. Other Indirect Loss
We will not cover any indirect loss other than loss of business income or extra expense.
D. LIMITS OF INSURANCE
The most we will pay for loss in anyone occurrence is the applicable limit of insurance shown in the
Business Income Schedule.
The limit applicable to newly acquired locations is in addition to the limit of insurance.
Page 3
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Payments under the following additional protection will not increase the applicable limit of insur-
ance:
1. Alterations and New Buildings;
2. Civil Authority;
3. Extra Expense; or
4. Extended Business Income.
E. ADDITIONAL LIMITATION
1
1
Electronic Media and Records
We will pay for any business income loss caused by direct physical loss of or damage to the following
items used with data processing or electronically controlled equipment:
1. Data processing media;
2. Data on the media; or
3. Programming records.
If such loss occurs, we will only pay your business income loss up to sixty (60) consecutive days from
the date of direct physical loss or damage to the electronic media and records. This limitation may be
eliminated when indicated by an "X" in the Business Income Schedule.
This limitation does not apply to extra expense.
F. DEDUCTIBLE
We will not begin to cover your loss until after your business has been interrupted for the number of
days indicated in the Business Income Schedule.
G. ADDITIONAL CONDITIONS
1. Loss Determination
a. The amount of business income loss will be determined based upon:
\
(1) The net income of the business before the direct physical loss or damage occurred;
(2) The likely net income of the business if no loss or damage had occurred;
,
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(3) The operating expenses, Including payroll expenses, necessary to resume operations
with the same quality of service that existed just before the direct physical loss or dam-
age; and
(4) Other relevant sources of information, including:
(a) Your financial records and accounting procedures;
(b) Bills, invoices and other vouchers; and
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Business income does not include income from sources other than tuition and fees.
b. BROAD COVERAGE
If broad coverage is indicated in the Business Income Schedule, business income is revised
to include tuition, fees and other income from educational services and related activities,
including:
(1) Laboratory fees;
(2) Bookstores;
(3) Athletic events; and
(4) Research grants.
c. The following replaces Extended Business Income:
We will pay for the actual loss of business income you sustain during the school term follow-
ing the date the property is actually repaired, rebuilt or replaced, if that date is thirty (30) days
or less before the scheduled opening of the next school term.
Loss of business income must be caused by direct physical loss or damage at the described
premises caused by or resulting from any covered cause of loss.
5. Monthly Limit of Indemnity
a. The Additional Condition, Coinsurance, does not apply to this form at the described premises
to which this optional coverage applies.
b. The most we will pay for loss of business income in each period of thirty (30) consecutive days
after the direct physical loss or damage is:
(1) The Iimitof insurance, multiplied by
(2) The fraction shown in the Business Income Schedule for this optional coverage.
6. Maximum Period of Indemnity
a. The additional condition, Coinsurance, does not apply to this form at the described premises
to which this optional coverage applies.
b. The most we will pay for loss of business income is the lesser of:
(1) The amount of loss sustained during the one hundred twenty (120) days immediately
following the direct physical loss or damage; or
(2) The limit of insurance shown in the Business Income Schedule.
7. Agreed Value
a. To activate this optional coverage:
(1) A Business Income ReportIWork Sheet must be made a part of this policy and must show
financial data for your operations:
(a) During the twelve (12) months prior to the date of the work sheet; and
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(b) Estimated for the twelve (12) months immediately following the inception of this op-
tional coverage.
(2) An agreed value must be shown in the work sheet. The agreed value should be at least
equal to:
(a) The Coinsurance percentage shown in the Business Income Schedule multiplied by
(b) The amount of net income and operating expenses for the following twelve (12)
months you report on the work sheet.
b. The additional condition, Coinsurance,'is suspended until:
(1) Twelve (12) months after the effective date of this optional coverage; or
(2) The expiration date of this policy;
whichever occurs first.
c. We will reinstate the additional condition, Coinsurance, automatically if you do not submit a
new work sheet and agreed value:
(1) Within twelve (12) months of the effective date of this optional coverage; or
(2) When you request a change in your Business Income Limit of Insurance.
d. If the business income limit of insurance is less than the agreed value, we will not pay more of
any loss than the amount of loss multiplied by:
(1) The business income limit of insurance; divided by
(2) The agreed value
I. DEFINITIONS
1. "Finished stock" means stock you have manufactured.
Finished stock also includes whiskey and alcoholic products being aged unless there is a coin- e
surance percentage shown for business income in the Business Income Schedule.
Finished stock does not include stock you have manufactured that is held for sale on the prem-
ises of any retail outlet insured under this form.
2. "Operations" means the type of your business activities occurring at the described premises.
3. "Period of restoration" means the period of time that:
a. Begins with the date of direct physical loss or damage caused by or resulting from any cov-
ered cause of loss at the described premises in the Business Income Schedule;
b. Ends on the date when the property at the described premises should be repaired, rebuilt or
replaced with reasonable speed and similar quality.
Period of restoration does not include any increased period required due to the enforcement of
any law that regulates the construction, use or repair, or requires the tearing down of any prop-
erty.
The expiration date of this policy will not cut short the period of restoration.
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Commercial General Liability Coverage Part
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
THIS IS AN OCCURRENCE FORM
THIS FORM IS SUBJECT TO THE DECLARATIONS AND THE APPLICABLE GENERAL CONDITIONS,
SCHEDULES AND ENDORSEMENTS.
The words "Insured," "an Insured," "any Insured," and "the Insured" mean any person or organization
qualifying as such under Section II-Who Is An Insured. "Named Insured" shall be only the Insured
named in the Declarations.
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 damages be-
cause of bodily injury or property damage to which this insurance applies. No other obliga-
tion or liability to pay sums or perform acts or services is covered unless explicitly provided
for under Supplementary Payments-Coverages A and B. This insurance applies only to
bodily injury and property damage which occurs during the pOlicy period. The bodily injury or
property damage must be caused by an occurre~ce. The occurrence must take place in the
coverage territory. We will have the right and duty to defend any suit against the Insured
seeking those damages. But:
(1) The amount we will pay for damages is limited as described in Section III-Limits of
Insurance;
(2) We may investigate and settle any claim or suit at our discretion;
(3) Our right and duty to defend end when we have used up the applicable limit of insurance
in the payment of judgments or settlements under Coverages A or B or medical expenses
under Coverage C; and
(4) If this insurance does not apply, we have no duty to defend.
b. Damages because of bodily injury include damages claimed by any person or organization
for care, loss of services or death resulting at any time from the bodily injury.
c. Property damage that is loss of l;Jse of tangible property that is not physically injured shall be
deemed to occur at the time of the occurrence that caused it.
2. Exclusions
This insurance does not apply to:
a. Bodily injury or property damage expected or intended from the standpoint of the Insured.
This exclusion does not apply to bodily injury resulting from the use of reasonable force to
protect persons or property.
b. Bodily injury or property damage for which the Insured is obligated to pay damages by reason
of the assumption of liability by any Insured in a contract or agreement. This exclusion does
not apply to liability of the Insured for damages:
BU9600
(Ed. H16)
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(1) Assumed in a contract or agreement that is an insured contract; or
(2) That the Insured would have in the absence of the contract or agreement.
c. Bodily injury or property damage for which any Insured may be held liable by reason of:
(1) Causing or contributing to the intoxication of any person;
(2) The furnishing of alcoholic beverages to a person under the legal drinking age or under
the influence of alcohol; or
(3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alco-
holic beverages.
This exclusion applies only if you are in the business of manufacturing, distributing, selling,
serving or furnishing alcoholic beverages.
d. Any obligation of the Insured under a workers' compensation, disability benefits or unem-
ployment compensation law or any similar law.
e. Bodily injury to:
(1) An employee of the Insured arising out of and in the course of employment by the Insured;
or
(2) The spouse, child, parent, brother or sister of that employee as a consequence of (1)
above.
This exclusion applies:
(1) Whether the Insured may be liable as an employer or in any other capacity; and
(2) To any obligation to share damages with or repay someone else who must pay damages
because of the injury.
This exclusion does not apply to liability assumed by the Insured under an insured contract.
f. (1) Bodily injury or property damage arising out of the actual, alleged or threatened dis-
charge, dispersal, release or escape of pOllutants:
(a) At or from premises you own, rent or occupy;
(b) At or from any site or location used by or for you or others for the handling, storage,
disposal, processing or treatment of waste;
(c) Which are at any time transported, handled, stored, treated, disposed of, or proc.
essed as waste by or for you or any person or organization for whom you may be
legally responsible; or
..
(d) At or from any site or location on which you or any contractors, or subcontractors
working directly or indirectly on your behalf are performing operations:
(i) if the pollutants are brought on or to the site or location in connection with such
operations; or
(ii) if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify
or neutralize the pollutants.
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(2) Any loss, cost, or expense arising out of any governmental direction or request that you
test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants.
Subparagraphs (a) and (d)(i) of paragraph (1) of this exclusion do not apply to bodily injury or
property damage caused by heat, smoke or fumes from a hostile fire. As used in this exclu-
sion, a hostile fire means one which becomes uncontrollable or breaks out from where it was
Intended to be.
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.
g. Bodily injury or property damage arising out of the ownership, maintenance, use or entrust-
ment to others of any aircraft, auto or watercraft owned or operated by or rented or loaned to
any Insured. Use Includes operation and loading or unloading.
This exclusion does not apply to:
(1) A watercraft while ashore on premises you own or rent;
(2) A watercraft you do not own that is:
(a) Less than fifty (50) feet long; and
(b) Not being used to carry persons or property for a charge;
(3) Parking an auto on, or on the ways next to, premises you own or rent, provided the auto is
not owned by or rented or loaned to any Insured;
(4) Liability assumed under any insured contract for the ownership, maintenance or use of
aircraft or watercraft; or
(5) Bodily injury or property damage arising out of the operation of any of the equipment
listed in paragraph f. (2) or 1. (3) of the definition of mobile equipment (Section V.8).
h. Bodily injury or property damage arising out of:
(1) The transportation of mobile equipment by an auto owned or operated by or rented or
loaned to any Insured; or
(2) The use of mobile equipment in or while in practice or preparation for a prearranged
racing, speed or demolition contest or in any stunting activity.
i. Bodily injury or property damage due to war, whether or not declared, or any act or condition
incident to war. War includes civil war, insurrection, rebellion or revolution. This exclusion
appl ies to:
(1) Liability assumed under a contract or agreement; or
(2) Expenses for first aid under Supplementary Payments.
j. Property damage to:
(1) Property you own, rent or occupy;
(2) Premises you sell, give away or abandon If the property damage arises out of any part of
those premises;
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(3) Property loaned to you;
(4) Personal property in the care, custody or control of you or your employees;
(5) That j!larticular part of real property on which you or any contractor or subcontractor
working directly or Indirectly on your behalf are performing operations, if the property
damage arises out of those operations; or
(6) That particular part of any property that must be restored, repaired or replaced because
your work was incorrectly performed on it.
Paragraph (2) of this exclusion does not apply if the premises are your work and were never
occupied, rented or held for rental by you.
Paragraphs (3), (4), (5), and (6) of this exclusion do not apply to liability assumed under a
sidetrack agreement.
Paragraph (6) of this exclusion does not apply to property damage included in the products-
completed operations hazard.
k. Property damage to your product arising out of it or any part of it.
I. Property damage to your work arising out of it or any part of it and included in the products-
completed operations hazard.
This exclusion does not apply if the damaged work or the work out of which the damage
arises was performed on your behalf by a subcontractor.
m. Property damage to impaired property or property that has not been physically injured, aris-
ing out of:
(1) A defect, deficiency, inadequacy or dangerous condition in i'~ur product or your work; or
(2) A delay or failure by you or anyone acting on your behalf to perform a contract or agree-
ment in accordance with its terms.
This exclusion does not apply to the loss of use of other property arising out of sudden and
accidental physical injury to your product or your work after it has been put to its intended
use.
n. Damages claimed for any loss, cost or expense incurred by you or others for the loss of use,
withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of:
(1) Your product;
...
(2) Your work; or
(3) Impaired property;
..
if such product, work, or property is withdrawn or recalled from the market or from use by any
person or organization because of a known or suspected defect, deficiency, inadequacy or
dangerous condition in it.
Exclusions c. through n. do not apply to damage to premises occupied by, rented to or leased by
you, caused by or resulting from fire, explosion, vehicles or aircraft. A separate limit of insurance
applies to this coverage as described in Section III-Limits of Insurance.
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3. Deductibles
a. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to
pay damages on your behalf applies only to the amount of damages in excess of any deducti-
ble amounts stated in the Schedule as applicable to such coverages. The limits of insurance
will not be reduced by the amount of such deductible.
b. The deductible amounts stated in the Schedule apply as follows:
(1) PER CLAIM BASIS-if the deductible is on a per claim basis, the deductible amount
applies:
(a) Under the Bodily Injury Liability or Property Damage Liability Coverage, respectively:
l'
(i) To all damages because of bodily injury sustained by one person, or
(ii) To all damages because of property damage sustained by one person or organiza-
tion,
as the result of anyone occurrence.
(b) Under Bodily Injury Liability and Property Damage Liability Coverage combined to all
damages because of bodily injury and property damage sustained by one person or
organization as the result of anyone occurrence.
(2) PER OCCURRENCE BASIS-if the deductible is on a per occurrence basis, the deducti-
ble amount applies:
(a) Under the Bodily Injury Liability or Property Damage Liability Coverage, respectively:
(i) To all damages because of bodily injury as the result of anyone occurrence, or
(ii) To all damages because of property damage as the result of anyone occurrence,
regardless of the number of persons or organizations who sustain damages because
of that occurrence.
(b) Under Bodily Injury Liability and Property Damage Liability Coverage combined to all
damages because of bodily injury and property damage as the result of anyone oc-
currence regardless of the number of persons or organizations who sustain damages
because of that occurrence.
c. The terms of this insurance, including those with respect to our right and duty to defend any
suits seeking those damages and your duties in the event of an occurrence, claim or suit
apply irrespective of the deductible amount.
d. We may pay any part or all of the deductible amount to effect settlement of any claim or suit
and, upon notification of the action taken, you shall promptly reimburse us for such part of
the deductible amount as has been paid by us.
COVERAGE B. PERSONAL AND ADVERTISING INJURY LIABILITY
1. Insuring Agreement
a. We will pay those sums that the Insured becomes legally obligated to pay as damages be-
cause of personal injury or advertising injury to which this insurance applies. No other obli-
gation or liability to pay sums or perform acts or services is covered unless explicitly provided
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for under Supplementary Payments-Coverages A and B. We will have the right and duty to
defend any suit against the Insured seeking those damages. But:
(1) The amount we will pay for damages is limited as described in Section III-Limits of
Insurance;
(2) We may investigate and settle any claim or suit at our discretion;
(3) Our right and duty to defend end when we have used up the applicable limit of insurance
in the payment of judgments or settlements under Coverages A or B or medical expenses
under Coverage C; and
(4) If this insurance does not apply, we have no duty to defend.
b. This insurance applies to personal injury only if caused by an offense:
(1) Committed in the coverage territory during the policy period; and
(2) Arising out of the conduct of your business, excluding advertising, publishing, broad-
casting or telecasting done by or for you.
c. This insurance applies to advertising injury only if caused by an offense committed:
(1) In the coverage territory during the policy period; and
(2) In the course of advertising your goods, products or services.
2. Exclusions
This insurance does not apply to:
a. Personal injury or advertising injury:
(1) Arising out of oral or written publication of material, if done by or at the direction of the
Insured with knowledge of its falsity;
(2) Arising out of oral or written publication of material whose first publication took place
before the beginning of the policy period; or
(3) Arising out of the willful violation of a penal statute or ordinance committed by or with the
consent of the Insured.
b. Advertising injury
(1) Arising out of breach of contract, other than misappropriation of advertising ideas under
an implied contract;
.,
(2) Arising out of the failure of goods, products or services to conform with advertised qual-
ity or performance;
..
(3) Arising out of the wrong description of the price of goods, products or services;
~4) Arising out of an offense committed by an Insured whose business is advertising, broad-
casting, publishing or telecasting; or
(5) For which the Insured has assumed liability in a contract or agreement, other than liabil-
ity for damages that the Insured would have in the absence of the contract or agreement.
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COVERAGE C. MEDICAL PAYMENTS
1. Insuring Agreement
a. We will pay medical expenses as described below for bodily injury caused by an accident:
(1) On premises you own or rent; i
(2) On ways next to premises you own or rent; or
(3) Because of your operations;
provided that:
(1) The accident takes place In the coverage territory and during the policy period;
(2) The expenses are incurred and reported to us within one year of the date of the accident;.
and
(3) The injured person submits to examination, at our expense, by physicians of our choice
as often as we reasonably require.
b. We will make these payments regardless of fault. These payments will not exceed the appli-
cable limit of insurance. We will pay reasonable expenses for:
(1) Necessary medical, surgical, x-ray and dental services, including prosthetic devices; and
(2) Necessary ambulance, hospital, professional nursing and funeral services.
2. Exclusions
. We will not pay expenses for bodily injury:
a. To any Insured.
b. To a person hired to do work for or on behalf of any Insured or a tenant of any Insured.
c. To a person injured on that part of premises you own or rent that the person normally occu-
pies.
d. To a person, whether or not an employee of any Insured, if benefits for the bodily injury are
payable or must be provided under a workers' compensation or disability benefits law or a
similar law.
It
I e. To a person injured while taking part in athletics.
.. f. Included within the products-completed operations hazard.
g. Excluded under Coverage A.
h. Due to war, whether or not declared, or any act or condition incident to war. War includes civil
war, insurrection, rebellion or revolution.
SUPPLEMENTARY PAYMENTS-COVERAGES A AND B
We will pay, with respect to any claim or suit we defend:
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1. All expenses we Incur.
2. Up to $250 for cost of bail bonds required because of accidents or traffic law violations arising out
of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to
furnish these bonds.
3. The cost of bonds to release attachments, but only for bond amounts within the applicable limit
of insurance. We do not have to furnish these bonds.
4. All reasonable expenses Incurred by the Insured at our request, to assist us in the investigation or
defense of the claim or suit, including actual loss of earnings up to $100 a day because of time off
from work.
5. All costs taxed against the Insured in the suit.
6. Prejudgment interest awarded against the Insured on that part of the judgment we pay. If we
make an offer to pay the applicable limit of insurance, we will not pay any prejudgement interest
based on that period of time after the offer.
7. All interest on the full amount of any judgment that accrues after entry of the judgment and
before we have paid, offered to pay, or deposited in court the part of the judgment that is within
the applicable limit of insurance.
8. All reasonable expenses incurred by the insured for first aid to others at the time of an accident
for bodily injury to which this insurance applies.
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These Supplementary Payments will not reduce the limits of insurance.
SECTION II-WHO IS AN INSURED
1. If you are designated in the Declarations as:
a. An Individual, you and your spouse are Insureds, but only with respect to the conduct of a
business of which you are the sole owner.
b. A partnership or joint venture, you are an Insured. Your members, your partners and their
spouses are also Insureds, but only with respect to their duties as your officers or directors.
c. An organization other than a partnership or joint venture, you are an Insured. Your executive
officers and directors are Insureds, but only when acting on behalf of you In your business.
Your stockholders are also Insureds, but only with respect to their liability as stockholders.
2. Each of the following is also an Insured:
a. Your employees, other than your executive officers, but only for acts within the scope of their
employment by you. However, none of these employees is an Insured for:
J
(1) Bodily injury or personal injury to you or to a co-employee while in the course of his or her
employment;
')
(2) Bodily injury or personal injury arising out of his or her providing or failing to provide
professional health care services; or
(3) Property damage to property owned or occupied by or rented or loaned to that employee,
any of your other employees, or any of your partners or members (if you are a partnership
or joint venture).
b. Any person (other than your employee) or any organization while acting as your real estate
manager.
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c. Any person or organization having proper temporary custody of your property if you die, but
only:
(1) With respect to liability arising out of the maintenance or use of that property; and
(2) Until your legal representative has been appointed.
d. Your legal representative if you die, but only with respect to duties as such. That representa-
tive will have all your rights and duties under this form.
,
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3. With respect to mobile equipment registered in your name under any motor vehicle registration
law, any person is an Insured while driving such equipment along a public highway with your
perm.i.ssion. Any other person or organization responsible for the conduct of such person is also
an Insured, but only with respect to liability arising out of the operation of the equipment, and
only if no other insurance of any kind is available to that person or organization for this liability.
However, no person or organization is an Insured with respect to:
a. Bodily injury to a co-employee of the person driving the equipment; or
b. Property damage to property owned by, rented to, in the charge of or occupied by you or the
employer of any person who is an Insured under this provision.
4. Any organization you newly acquire or form, other than a joint venture, and over which you main-
tain ownership or majority interest, will be deemed to be a Named Insured if there is no other
similar insurance available to that organization. However:
a. Coverage under this provision is afforded only until the 90th day after you acquire or form the
organization or the end of the policy period, whichever is earlier;
b. Coverage A does not apply to bodily injury or property damage that occurred before you
acquired or formed the organization; and
c. Coverage B does not apply to personal injury or advertising injury arising out of an offense
committed before you acquired or formed the organization.
.
No person or organization is an Insured with respect to the conduct of any current or past partnership
or joint venture that is not shown as a Named Insured in the Declarations.
SECTION III-LIMITS OF INSURANCE
1. The limits of insurance shown in the Schedule and the rules below fix the the most we will pay
regardless of the number of:
a. Insureds;
b. Claims made or suits brought; or
c. Persons or organizations making claims or bringing suits.
2. The General Aggregate Limit is the most we will pay for the sum of:
a. Medical expenses under Coverage C; and
b. Damages under Coverage A and Coverage B, except damages because of injury and damage
included in the products-completed operations hazard.
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3. The Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A
for damages because of injury and damage included in the products-completed operations haz-
ard.
4. Subject to 2. above, the Personal and Advertising Injury Limit is the most we will pay under
Coverage B for the sum of all damages because of all personal injury and all advertising injury
sustained by anyone person or organization.
5. Subject to 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for
the sum of:
a. Damages under Coverage A; and
b. Medical expenses under Coverage C
because of all bodily injury and property damage arising out of anyone occurrence.
6. Subject to 5. above, the Physical Damage Limit is the most we will pay under Coverage A for
damages because of property damage to premises occupied by, rented to or leased by you arising
out of anyone fire, explosion, vehicles or aircraft.
7. Subject to 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all
medical expenses because of bodily injury sustained by anyone person.
The limits of this form apply separately to each consecutive annual period and to any remaining
period of less than twelve (12) months, starting with the beginning of the policy periOd shown in the
Declarations, unless the policy period is extended after issuance for an additional period of less than
twelve (12) months. In that case the extended period will be deemed part of the last preceding period
for purposes of determining the limits of insurance.
SECTION IV-CON DITIONS
1. Bankruptcy
Bankruptcy or insolvency of the Insured or the Insured's estate will not relieve us of our obliga-
tions.
2. Duties in the Event of Occurrence, Claim or Suit
8. You must see to it that we are notified promptly of an occurrence which may result in a claim.
Notice should include:
(1) How, when and where the occu.rrence took place; and
(2) The names and addresses of any injured persons and witnesses.
Notice of an occurrence is not notice of a claim.
b. If a claim is made or suit is brought against any Insured, you must see to it that we receive
prompt written notice of the claim or suit.
c. You and any other involved Insured must:
(1) Immediately send us copies of any demands, notices; summonses or legal papers reo
ceived in connection with the claim or suit;
(2) Authorize us to obtain records and other information;
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(3) Cooperate with us in the investigation, settlement or defense of the claim or suit; and
(4) Assist us, upon our request, in the enforcement of any right against any person or organi-
zation which may be liable to the Insured because of injury or damage to which this
Insurance may also apply.
d. No Insureds will, except at their own cost, voluntarily make a payment, assume any obliga-
tion, or incur any expense, other than for first aid, without our consent.
3. Legal Action Against Us
No person or organization has a right:
a. To join us as a party or otherwise bring us into a suit asking for damages from an Insured; or
b. To sue us on this form unless all of its terms have been fully complied with.
A person or organization may see us to recover on an agreed settlement or on a final judgment
against an Insured obtained after an actual trial; but we will not be liable for damages that are not
payable under the terms of this form or that are in excess of the applicable limit of insurance. An
agreed settlement means a settlement and release of liability signed by us, the Insured and the
claimant or the claimant's legal representative.
4. Other Insurance
If other valid and collectible insurance is available to the Insured for a loss we cover under Cover-
ages A and B of this form, our obligations are limited as follows:
a. PRIMARY INSURANCE
This insurance is primary except when b. below applies. If this insurance is primary, our
obligations are not affected unless any of the other insurance is also primary. Then, we will
share with all that other insurance by the method described in c. below.
b. EXCESS INSURANCE
This insurance is excess over any other insurance, whether primary, excess, contingent or on
any other basis:
(1) That is property insurance, such as, but not limited to Fire, Extended Coverage, Builder's
Risk or Installation Risk Coverage applicable to your work;
(2) That is Fire, Explosion, Aircraft or Vehicle Insurance for premises rented to you; or
(3) If the loss arises out of the maintenance or use of aircraft, autos or watercraft to the
extent not subject to exclusion g. of Coverage A (Section I).
When this insurance is excess, we will have no duty under Coverages A or B to defend any
claim or suit that any other insurer has a duty to defend. If no other insurer defends, we will
undertake to do so, but we will be entitled to the Insured's rights against all those other
insurers.
When this insurance is excess over other insurance, we will pay only our share of the amount
of the loss, if any, that exceeds the sum of:
(1) The total amount that all such other insurance would pay for the loss in the absence of
this insurance; and
Page 11
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(2) The total of all deductible and self-insured amounts under all that other insurance.
We will share the remaining loss, if any, with any other insurance that is not described in this
excess insurance provision and was not bought specifically to apply in excess of the limits of
insurance shown in the Schedule.
c. METHOD OF SHARING
If all of the other insurance permits contribution by equal shares, we will follow this method
also. Under this approach, each insurer contributes equal amounts until it has paid its appli-
cable limit of insurance or none of the loss remains, whichever comes first.
If any of the other insurance does not permit contribution by equal shares, we will contribute
by limits. Under this method, each insurer's share is based on the ratio of its applicable limit
of insurance to the total applicable limits of insurance of all insurers.
When medical expenses are covered under Coverage C, Medical Payments, these expenses
will be paid first and the remaining limits shared in accordance with this method of sharing.
5. Separation of Insureds
Except with respect to the limits of insurance and any rights or duties specifically assigned to the
first Named Insured, this insurance applies:
a. As if each Named Insured were the only Named Insured; and
b. Separately to each Insured against whom claim is made or suit is brought.
6. Transfer of Rights of Recovery Against Others to Us
If the Insured has rights to recover all or part of any payment we have made, those rights are
transferred to us. The Insured must do nothing after loss to impair them. At our request, the
Insured will bring suit or transfer those rights to us and help us enforce them.
SECTION V-DEFINITIONS
1. "Advertising injury" means injury arising out of one or more of the following offenses:
a. Oral or written publication of material that slanders or libels a person or organization or
disparages a person's or organization's goods, products, or services;
b. Oral or written publication of material that violates a person's right to privacy;
c. Misappropriation of advertising ideas or style of doing business; or
d. Infringement of copyright, titie or slogan.
2. "Auto" means a land motor vehicle, trailer or semitrailer designed for travel on public roads,
including any attached machinery or equipment. But auto does not include mobile equipment.
3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death
resulting from any of these at any time.
4. "Coverage territory" means:
a. The United States of America (including its territories and possessions), Puerto Rico and
Canada;
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b. International waters or airspace, provided the injury or damage does not occur In the course
of travel or transportation to or from any place not Included in a. above; or
c. All parts of the world if:
(1) The injury or damage arises out of:
(a) Goods or products made or sold by you in the territory described in a. above; or
(b) The activities of a person whose home is in the territory described in a. above, but is
away for a short time on your business; and
(2) The Insured's responsibility to pay damages is determined in a suit on the merits, in the
territory described in a. above or in a settlement to which we agree.
5. "Impaired property" means tangible property, other than your product oryourwork that cannot be
used or is less useful because:
a. It incorporates your product or your work that is known or thought to be defective, deficient,
inadequate or dangerous, or
b. Any Insured has failed to fulfill the terms of a contract or agreement;
if such property can be restored to use by:
a. The repair, replacement, adjustment or removal of your product or your work; or
b. Your fulfilling the terms of the contract or agreement.
6. "Insured contract" means:
a. A lease of premises;
b. A sidetrack agreement;
c. An easement or license agreement in connection with vehicle or pedestrian private railroad
crossings atgrade;
d. Any other easement agreement, except in connection with construction or demolition opera.
tions on or within fifty (50) feet of a railroad;
e. An indemnification of a municipality as required by ordinance, except in connection with
work for a muniCipality;
f. An elevator maintenance agreement; or
g. That part of any other contract or agreement pertaining to your business under which you
assume the tort liability of another to pay damages because of bodily injury, property dam-
age, or personal injury to a third person or organization, if the contract or agreement is made
prior to the injury or damage. Tort liability means a liability that would be imposed by law in
the absence of any contract or agreement.
An insured contract does not include that part of any contract or agreement:
a. That indemnifies an architect, engineer, or surveyor for injury or damage arising out of:
(1) Preparing, approving or failing to prepare or approve maps, drawings, opinions, reports,
surveys, change orders, designs or specifications; or
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(2) Giving directions or instructions, or failing to give them, if that is the primary cause of the
injury or damage;
b. Under which the Insured, if an architect, engineer or surveyor, assumes liability for injury or
damage arising out of the Insured's rendering or failing to render professional services in-
cluding thpse listed in a. above and supervisory, Inspection or engineering services;
c. That indemnifies any person or organization for damage by fire, explosion, vehicles or air-
craft to premises rented or loaned to the Insured; or
d. That grants to others those operating rights granted to you by a public authority.
7. "Loading or unloading" means the handling of property:
a. After it is moved from the place where it is accepted for movement into or onto an aircraft,
watercraft, or auto;
b. While It is in or on an aircraft, watercraft or auto; or
c. While it is being moved from an aircraft, watercraft or auto to the place where it is finally
delivered;
but loading or unloading does not include the movement of property by means of a mechanical
device, other than a hand truck, that is not attached to the aircraft, watercraft or auto.
8. "Mobile equipment" means any of the following types of land vehicles, including any attached
machinery or equipment:
a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off pub-
lic roads;
b. Vehicles maintained for use solely on or next to premises you own or rent;
c. Vehicles that travel on crawler treads;
d. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to perma-
nently mounted:
(1) Power cranes, shovels, loaders, diggers, or drills; or
(2) Road construction or resurfacing equipment such as graders, scrapers or rollers;
e. Vehicles not described in a., b., c. or d. above that are not self- propelled and are maintained
primarily to provide mobility to permanently attached equipment of the following types:
(1) Air compressors, pumps and generators, including spraying, welding, building cleaning,
geophysical exploration, lighting and well servicing equipment; or
(2) Cherry pickers and similar devices used to raise or lower workers;
1. Vehicles not described in a., b., c. or d. above maintained primarily for purposes other than the
transportation of persons or cargo.
However, self-propelled vehicles with the following types of permanently attached equip-
ment are not mobile equipment, but will be considered autos:
(1) Equipment designed primarily for:
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(a) Snow removal;
(b) Road maintenance, but not construction or resurfacing;
(c) Street cleaning;
(2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to
raise or lower workers; and
(3) Air compressors, pumps and generators, including spraying, welding, building cleaning,
geophysical exploration, lighting and well servicing equipment.
9. "Occurrence" means an accident, including continuous or repeated exposure to substantially
the same general harmful conditions.
10. "Personal injury" means injury, other than bodily injury, arising out of one or more of the follow-
ing offenses:
a. False arrest, detention or imprisonment;
b. Malicious prosecution;
c. Wrongful entry into, or eviction of a person from, a room, dwelling or premises that the person
occupies;
d. Oral or written publication of material that slanders or libels a person or organization or
disparages a person's or organization's goods, products or services; or
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e. Oral or written publication of material that violates a person's right of privacy;
11. a. "Products-completed operations hazard" includes all bodily injury and property damage oc-
curring away from premises you own or rent and arising out of your product or your work
except:
(1) Products that are still in your physical possession, or
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-1
(2) Work that has not yet been completed or abandoned.
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b. Your work will be deemed completed at the earliest of the following times:
(1) When all of the work called for in your contract has been completed.
(2) When all of the work to be done at the site has been completed if your contract calls
for work at more than one site.
(3) When that part of the work done at a job site has been put to its intended use by any
person or organization other than another contractor or subcontractor working on the
same project.
Work that may need service, maintenance, correction, repair or replacement, but which is
otherwise complete, will be treated as completed.
c. This hazard does not include bodily injury or property damage arising out of:
(1) The transportation of property unless the injury or damage arises out of a condition in or
on a vehicle created by the loading or unloading of it;
(2) The existence of tools, uninstalled equipment or abandoned or unused materials; or
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(3) Products or operations for which the classification in this form or in our manual of rules
includes products or completed operations.
12. "Property damage" means:
a. Physical injury to tangible property, including all resulting loss of use of that property; or
b. Loss of use of tangible property that is not physically injured.
13. "Suit" means a civil proceeding in which damages to which this Insurance applies are alleged.
Suit includes an arbitration proceeding alleging such damages to which you must submit or
submit with our consent.
14. "Your product" means:,
a. Any goods or products, other than real property, manufactured, sold, handled, distributed or
disposed of by:
(1) You;
(2) Others trading under your name; or
(3) A person or organization whose business or assets you have acquired; and
b. Containers (other than vehicles), materials, parts or equipment furnished in connection with
such goods or products.
Your product includes warranties or representations made at any time with respect to the fitness,
quality, durability or performance of any of the items included in a. and b. above.
Your product does not include vending machines or other property rented to or located for the use
of others but not sold.
15. "Your work" means:
a. Work or operations performed by you or on your behalf; and
b. Materials, parts or equipment furnished in connection with such work or operations.
Your work includes warranties or representations made at any time with respect to the fitness,
quality, durability or performance of any of the items included in a. or b. above.
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COMMERCIAL GENERAL LIABILITY COVERAGE PART
COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE
OCCURRENCE FORM
1. Insurance is provided subject to the limits of insurance and the deductibles inserted below.
Where there is no limit or deductible amount shown. there is no coverage or deductible
applicable. Refer to Section III. Limits of Insurance. and Section I. Coverage A, Paragraph
3. Deductibles, for the application of these limits and deductibles.
2. Limits of Insurance
Limit Amount
GENERAL AGGREGATE LIMIT $ 2,000.000 '("
(Other than Products -- Completed Operations)
PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT $ 2.000.000/
PERSONAL and ADVERTISING INJURY LIMIT $ ./
1,000.000
EACH OCCURRENCE LIMIT $ V
1.000.000
PHYSICAL DAMAGE LIMIT $ SO.OOOv' ANY ONE
LOSS
MEDICAL EXPENSE LIMIT $ S.OOOJ ANY ONE
PERSON
3. Deductibles
Coverage A Amount and Basis of Deductible
LIABILITY PER CLAIM PER OCCURRENCE
BODILY INJURY LIABILITY $ $
PROPERTY DAMAGE LIABILITY $ $
BODIL~ INJURY LIABILITY AND
PROPERTY DAMAGE LIABILITY COMBINED $ $
Enter below any limitations on the application of this deductible. If no limitation is
entered. the deductible applies to damages for all bodily injury and property damage.
however caused:
BU9602
(Ed.1-86)
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CO~ERCIAL GENERAL LIABILITY COVERA~ PART
GENERAL LIABILITY HAZARDS SCHEDULE
Rate Premium
Lac. Classification Class Premium Ter PREM PROD- PREM/OPS PRODUCTS
NO. Code Bases OPS UCTS
a)Area a)per 1,000sq.ft.
cHota1 Cost c)per$l,OOO/cost
e)Each e)per each
o)Other o)per 1000
p)Payroll p)per$l,OOO/pay.
s)Gross Sales s)per$1,000/sales
u)Unit u)per unit $ $
0001 CLUBS - COUNTRY OR 11138 ~) 810.00011 004 S) 9.493 S) 0.763 7.689 618
001 GOLF J
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Provisional Premium $ 7,689.00 T$ 618.00
Total Provisional Premium $ 8,307.00
BU 9604
(Ed. 1-86)
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'LiqUOr Liability coveraJ ParI
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LIQUOR LIABILITY COVERAGE FORM
THIS IS AN OCCURRENCE FORM
THIS FORM IS SUBJECT TO THE DECLARATIONS AND THE APPLICABLE GENERAL CONDITIONS,
SCHEDULES AND ENDORSEMENTS.
SCHEDULE
Insurance is provided subject to the Limits of Insurance inserted below. Where there is no limit, there is no
coverage. Refer to Section III, Limits of Insurance, for the application of these limits.
LIMITS OF INSURANCE
Limit
AGGREGATE LIMIT
$
Amount
500,000.J /
v
500,000.
EACH COMMON CAUSE LIMIT
$
SECTION I-COVERAGES
1. Insuring Agreement
a. We will pay those sums that the Insured becomes legally obligated to pay as damages because of
injury to which this insurance applies if liability for such injury is imposed on the Insured by
reason of the selling, serving or furnishing of any alcoholic beverage. No other obligation or
liability to pay sums or perform acts or services is covered unless explicitly provided for under
Supplementary Payments. This insurance applies only to injury which occurs during the policy
period in the coverage territory. We will have the right and duty to defend any suit seeking those
damages. But:
(1) The amount we will pay for damages is limited as described in Section III-Limits of Insur-
ance;
{2) We may investigate and settle any claim or suit at our discretion; and
(3) Our right and duty to defend end when we have used up the applicable limit of insurance in
the payment of judgments or settlements.
(4) If this insurance does not apply, we have no duty to defend.
2. Exclusions
This insurance does not apply to:
a. Injury expected or intended from the standpoint of the Insured. This exclusion does not apply to
bodily injury resulting from the use of reasonable force to protect persons or property.
b. Any obligation of the Insured under a workers' compensation, disability benefits or unemploy-
ment compensation law or any similar law.
c. Bodily Injury to:
(1) An employee of the Insured arising out of and in the course of employment by the Insured; or
(2) The spouse, child, parent, brother or sister of that employee as a consequence of (1) above.
BU9629
(Ed.l.B6)
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This exclusion applies:
(1) Whether the Insured may be liable as an employer or in any other capacity; and
(2) To any obligation to share damages with or repay someone else who must pay damages
because of the injury.
d. To injury arising out of any alcoholic beverage sold, served or furnished while any required li-
cense is suspended or after such license expires, is cancelled or revoked.
e. Injury arising out of your product. This exclusion does not apply to injury for which the Insured or
the Insured's indemnitees may be held liable by reason of:
(1) Causing or contributing to the intoxication of any person;
(2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the
influence of alcohol; or
(3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic
beverages.
f. Any injury with respect to which other insurance is afforded, or would be afforded but for the
exhaustion of the limits of insurance.
This exclusion does not apply if the other insurance responds to liability for injury imposed on
the Insured by reason of the selling, serving or furnishing of any alcoholic beverage.
SUPPLEMENTARY PAYMENTS
We will pay, with respect to any claim or suit we defend:
1. All expenses we incur.
2. Th~ cost of bonds to release attachments, but only for bond amounts within the applicable Hmit of
insurance. We do not have to furnish these bonds.
3. All reasonable expenses incurred by the Insured at our request, to assist us in the investigation or
defense of the claim or suit, including actual loss of earnings up to $100 a day because of time off
from work.
4. All costs taxed against the Insured in the suit.
5. Prejudgment interest awarded against the Insured on that part of the judgment we pay. If we make an
offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that
period of time after the offer.
6. All interest on the full amount of any judgment that accrues after entry of the judgment and before we
have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable
limit of insurance.
7. Expenses incurred by the Insured for first aid to others at the time of an event to which this insurance
applies.
These supplementary payments will not reduce the limits of insurance.
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SECTION II-WHO IS AN INSURED
1. If you are designated in the Declarations as:
a. An individual, you and your spouse are insureds.
b. A partnership or joint venture, you are an Insured. Your members, your partners and their spouses
are also Insureds, but only with respect to the conduct of your business.
c. An organization other than a partnership or joint venture, you are an Insured. Your executive
officers and directors are Insureds, but only with respect to their duties as your officers or direc-
tors. Your stockholders are also Insureds, but only with respect to their liability as stockholders.
2. Each of the following is also an Insured:
a. Your employees, other than your executive officers, but only for acts within the scope of their
employment by you. However, none of these employees is an Insured for:
(1) Bodily injury to you or to a co-employee while in the course of his or her employment;
(2) Property damage to property owned or occupied by or rented or loaned to that employee, any
of your other employees, or any of your partners or members (if you are a partnership or joint
venture).
b. Any person or organization having proper temporary custody of your property if you die, but only:
(1) With respect to liability arising out of the maintenance or use of that property; and
(2) Until your legal representative has been appointed.
c. Your legal representative if you die, but only with respect to duties as such. That representative
will have all your rights and duties under this form.
3. Any organization you newly acquire or form, other than a joint venture, and over which you maintain
ownership or majority interest, will be deemed to be a Named Insured if there is no other similar
insurance available to that organization. However:
a. Coverage under this provision is afforded only until the 90th day after you acquire or form the
organization or the end of the policy period, whichever is earlier;
b. Coverage does not apply to injury that occurred before you acquired or formed the organization.
No person or organization is an Insured with respect to the conduct of any current or past partnership or
joint venture that is not shown as a Named Insured in the Declarations.
SECTION III-LIMITS OF INSURANCE
1. The limits of insurance shown in the Schedule and the rules below fix the most we will pay regardless
of the number of:
a. Insureds;
b. Claims made or suits brought; or
c. Persons or organizations making claims or bringing suits.
2. The Aggregate Limit is the most we will pay for all injury as the result of the selling, serving or
furnishing of alcoholic beverages.
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3. Subject to the Aggregate limit, the Each Common Cause limit is the most we will pay for all injury
sustained by one or more persons or organizations as the result of the selling, serving or furnishing of
any alcoholic beverage to anyone person.
The limits of this form apply separately to each consecutive annual period and to any remaining
period of less than twelve (12) months, starting with the beginning of the policy period shown in the
Declarations, unless the policy period is extended after issuance for an additional period of less than
twelve (12) months. In that case the additional period will be deemed part of the last preceding period
for purposes of determining the limits of insurance.
SECTION IV-CON DITIONS
1. Bankruptcy
Bankruptcy or insolvency of the Insured or of the Insured's estate will not relieve us of our obligations
under this form.
2. Duties in the Event of An Injury, Claim or Suit
a. You must see to it that we are notified promptly when injury occurs which may result in a claim.
Notice should include:
(1) How, when and where the injury took place; and
(2) The names and addresses of any injured persons and witnesses.
b. If a claim is made or suit is brought against any Insured, you must see to it that we receive prompt
written notice of the claim or suit.
c. You and any other involved Insured must:
(1) Immediately send us copies of any demands, notices, summonses or legal papers received in
connection with the claim or suit;
(2) Authorize us to obtain records and other information;
(3) Cooperate with us in the investigation, settlement or defense of the claim or suit; and
(4) Assist us, upon our request, in the enforcement of any right against any person or organiza-
tion which may be liable to the Insured because of injury to which this insurance may also
apply.
d. No Insureds will, except at their own cost, voluntarily make a payment, assume any obligation, or
incur any expense, other than for first aid, without our consent.
3. Legal Action Against Us
No person or organization has a right under this form:
a. To join us as a party or otherwise bring us into a suit asking for damages from an Insured; or
b. To sue us on this form unless all of its terms have been fully complied with.
A person or organization may sue us to recover on an agreed settlement or on a final judgment
against an Insured obtained after an actual trial; but we will not be liable for damages that are not
payable under the terms of this form or that are in excess of the applicable limit of insurance. An
agreed settlement means a settlement and release of liability signed by us, the Insured and the
Page 4
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claimant or the claimant's legal representative.
4. Other Insurance
If other valid and collectible insurance is available to the Insured for a loss we cover, our obligations
are limited as follows:
a. PRIMARY INSURANCE
This insurance is primary. Our obligations are not affected unless any of the other insurance is
also primary. Then, we will share with all that other insurance by the method described in b.
below.
b. METHOD OF SHARING
If all of the other insurance permits contribution by equal shares, we will follow this method also.
Under this approach, each insurer contributes equal amounts until it has paid its applicable limit
of insurance or none of the loss remains, whichever comes first.
If any of the other insurance does not permit contribution by equal shares, we will contribute by
limits. Under this method, each insurer's share is based on the ratio of its applicable limit of
insurance to the total applicable limits of insurance of all insurers.
5. Separation of Insureds
Except with respect to the limits of insurance and any rights or duties specifically assigned to the
first Named Insured, this insurance applies:
a. As if each Named Insured were the only Named Insured; and
b. Separately to each Insured against whom claim is made or suit is brought.
6. Transfer of Rights of Recovery Against Others to Us
If the Insured has rights to recover all or part of any payment we have made, those rights are transfer-
red to us. The Insured must do nothing after loss to impair them. At our request, the Insured will bring
suit or transfer those rights to us and help us enforce them.
SECTION V-DEFINITIONS
1. "Bodily injury" means injury, sickness or disease sustained by a person, including death resulting
from any of these at any time.
2. "Coverage territory" means:
a. The United States of America (including its territories and possessions), Puerto Rico and Can-
ada;
b. International waters or airspace, provided the injury or damage does not occur in the course of
travel or transportation to or from any place not included in a. above; or
c. All parts of the world if:
(1) The injury or damage arises out of:
(a) Goods or products made or sold by you in the territory described in a. above; or
(b) The activities of a person whose home is in the territory described in a. above, but is away
for a short time on your business; and
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(2) The Insured's responsibility to pay damages is determined in a suit on the merits, in the
territory described in a. above or in a settlement to which we agree.
3. "Injury" means all damages, including damages because of bodily injury and property damage, and
including damages for care, loss of services or loss of support.
4. "Property damage" means:
a. Physical injury to tangible property, including all resulting loss of use of that property; or
b. Loss of use of tangible property that is not physically injured.
5. "Suit" means a civil proceeding in which damages to which this insurance applies are alleged. Suit
includes an arbitration proceeding alleging such damages to which you must submit or submit with
our consent.
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Page 6