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INSURANCE BINDER FOR POLICY NUMBER 685NB5325 NAME AND ADDRESS OF AGENCY LAWTON-BYRNE-BRUNER OF ST. LOUIS TEN BROADWAY ST. LOUIS, MO. 63102 ANDREWS/SNITH NAME "liD MAILING !\QDRs.S~ OF I~UflFP ANDERSON BAY CHuISES, P.O. BOX 3332 CLEARWATER, FL 33515 INC ST. PAUL FIRE AND MARINE Effective 12: 01A m V. ,19 Expires IKl 12:01 am 0 NoonJAN. 11,19 87 I!l This binder Is Issued to extend cover~ge In the above named company per expiring polley ## 6B5NB 5325 except as noted below) Description of Operation/Vehicles/Property Type and Location of Property Coverage/ Perils/ Forms Amt of Insurance Oed. 1 CLEARWATER BEACH, FL 33517 Fire,EC, VMM & All Risk Replacement Cost Buildin ~ctual Cash Value Con- . tents 250 P R o P E R T y 2 - 1150 E. HIGHWAY 98 FT. WALTON BEACH, FL Loc. #1 - Building Loc. #1 & #2 Blanket Contents Loc. #2 Buildin 10,000. L I 0 Scheduled Form ~ Comprehensive Form : IKJ Premises/Operations I IKJ Products/Completed Operations ~ 0 Contractual ~ IKJ Other (specify below)CGL Broadening IKJ Med. Pay. $1, 000 Per $ Per IVl Person Accident ~ Personal Injury Bodily Injury 2,500 8 000 Limits of Liability Each Occurrence Aggregate $ $ Type of Insurance Coverage/Forms A 0 Liability l!J Non.owned ~ Hired ~ 0 Comprehensive-Deductible $ g 0 Colllslon.Deductlble $ o 0 Medical Payments $ ~ 0 Uninsured Motorist $ L 0 No Fault (specify): E 0 Other .(speclfy): Property Damage $ $ Bodily Injury & Property Damage $ 1, 000, 00 Combined Personal Injury Limits of Liability Bodily Injury (Each Person) $ Bodily Injury (Each Accident) $ Pro~~~m~e $ Bodily Injury & Property Damage Combined $ 1, 000, 00 o WORKERS' COMPENSATION - Statutory Limits (specify states below) o EMPLOYERS' LIABILITY - Limit $ SPECIAL CONDITIONS/OTHER COVERAGES NA,ME AND ADDRESS OF 0 MORTGAGEE o lOSS PAYEE fi ADD'llNSURED LOC. # 1- CITY OF CLEARWATER 112 S. OSCEOLA CLEARWATER, FL 33516 LOC. #2 - J. LA DON DEWRELL lOAN NUMBER 'tt), 1IJ, if ~ Signature 01 Authorized Representative Date INTRODUCTION I This policy protects against a variety of losses. There are also some restrictions. We've written this policy in plain, easy-to-understand English. We encourage you to read it carefully to determine what is and what is not covered, as well as the rights and duties of those protected. I .5~ul Policy Number: CK08500606 The words you, your and yours mean the insured named here: ANDERSON BAY CRUISES, INC. P.O. BOX 3332 CLEARWATER FL 33515 Which is a: CORPORATION We, us, our and ours mean St. Paul Fire and Marine Insurance Company. We're a capital stock company located in St. Paul, Minnesota. Your policy is composed of General Rules, an explanation of What To Do If You Have A Loss, one or more Coverage Summaries, and one or more Insuring Agreements explaining your coverage. It may also include one or more endorsements. Endorsements are documents that change your policy. The Policy Forms List shows all the forms included when this policy begins. One of our authorized representatives must also countersign the policy before it is valid. This policy will begin on 11-11-86 and will continue until 11-11-87 Your former policy number: 685NB5325 is automatically cancelled on the date this policy begins. In return for your premium, we'll provide the protection stated in this policy. Your premium is $1,668.00 Our authorized representative is: 2401136 LAWTON-BYRNE-BRUNER EQUITABLE BLDG 10 BROADWAY ST LOUIS MO 63102 Authorized Representative Date ~~~~~ ~dS. Sl~ Processing Date 12-08-86 15: 27 001 40700 Ed.5-84 Printed in U.S.A. @St.Paul Fire and Marine Insurance Co.1984 Introduction Page 1 of 2 POLICY FORM LIST I I istalul Here's a list of all forms included in your policy, on the date shown below. These forms are listed in the same order as they appear in your policy. Title Form Number Edition Date c:: c: c: c: 40700 05-84 40705 05-84 40701 05-84 40738 11-85 44038 11-83 40703 05-84 42563 01-86 ")- 42500 01-86 ?' ~ 44265 12-83 ., II 44011 03-83 :l II 44304 01-86 44310 01-86 43059 10-81 :; ... (l)o 43000 10-81 .., .., c: c 43236 07-83 .... 5 :J 43065 10-81 43063 10-81 (": c 40502 01-80 < !! Q 43386 05-84 u:: C'I 43217 01-83 43282 12-83 ( ( . ! ( CJ ( Introduction Policy Forms List General Rules Florida Required Endorsement Commercial Auto Required Endorsement-Florida What To Do If You Have A Loss Property Protection Coverage Summary Property Protection Auto Coverage Summary Liability Protection For Autos You Don't Own Auto Contract Liability Endorsement Mobile Equipment Broadening Endorsement General Liability Coverage Summary Comprehensive General Liability Protection General Liability Broadening Endorsement Premium Adjustment Endorsement Products Redefined Endorsement - Application Of Total Limit Pollution Exclusion Endorsement Prejudgment Interest Endorsement Multiple Protected Persons Endorsement Employer's Liability Exclusion Endorsement Name of Insured ANDERSON BAY CRUISES, INC. Policy Number CK08500606 Processing Date 12-08-86 Effective Date 11-11-86 15:27 001 40705 Ed.5-84 Printed in U.S.A. c>St.Paul Fire and Marine Insurance Co.1985 Form List Page 1 of 2 III I I PROPERTY PROTECTION COVERAGE SUMMARY Description and location of covered property Item 001 ON THE ONE STORY FRAME BUILDING OCCUPIED AS A TICKET OFFICE 25 CAUSEWAY BLVD. ClEARWATER, FL Limit Of Coverage level Of Protection Valuation Building 3 $10,000 Coinsurance 90% RC Business Contents Business Income Blanket Earnings And Expenses .istit!ul Theft Coverage Yes 81 <: ro ..., Ql to ro . Your Property Protection deductible per event is $250 unless another amount 1S shown here: o o <: ro ..... Ql to ro BUILDING - OPTIONS Name of Insured ANDERSON BAY CRUISES, INC. Polity Number CK08500606 Processing Date 12-08-86 42563 Ed.1-86 Printed in U.S.A. eSt.Paul Fire and Marine Insurance Co.1985 Coverage Summary Effective Date 11-11-86 15:27 001 Page 1 .111 I I LOCATIONS INCLUDED IN BLANKET BLVD. FL OPTIONS: FL OPTIONS: If Insured SON BAY CRUISES, INC. Policy Number CK08500606 Processing Date 12-08-86 Coverage Summary Ed,l-86 Printed in U.S.A. aul Fire and Marine Insurance Co.1985 istibul () o < ell "" III to ell ~ c < ~ Q II: 11 Effective Date 11-11-86 15:27 001 Page 3 . General Liability I Coverage Summary This Summary shows the limits and other features of your liability protection. You only have the coverage or feature for which a limit or other entry is shown. Other liability agreements and endorsements may be a part of your policy. Comprehensive General Liability Protection Limits of coverage. You may have either a combined single limit or separate limits. See the limits Of Coverage section of your agreement for an explanation. Kl Single limit applies. Combined single limit $1,000,000.00 o Separate limits apply. For bodily injury claims: Each accidental event limit Total limit $ $ For property damage claims: Each accidental event limit Total limit $ $ Optional exclusions. The first two exclusions are explained in the insuring agreement. Other exclusions are explained in a separate endorsement. o Products - completed work exclusion. o Professional services exclusion. o Explosion hazard exclusion. o Collapse hazard exclusion. o Underground exclusion. o o If issued after the date your policy begins, these spaces must be completed and our representative must sign below. Authorized representative 43059 Ed, 10-81 Printed in U.S,A, C51. Paul Fire and Marine Insurance Company, 1911. I ".ul Property Damage Deductible o If this box is checked, the deductible in your agreement applies. $ per claim o If this box is checked, see separate liability deductible endorsement. Premium Adjustment Endorsement IX If this box is checked, the Premium Adjustment Endorsement appl ies. General Liability Broadening Endorsement o Does not apply. Xl Applies, See the attached endorsement. Xl Employment-related claims exclusion. If this box is checked, the Employment-related claims exclusion in the Personal Injury and Advertising Injury Coverage section is deleted. (")}> Oc:: <..... !!1o Q) c.c Cl) Pol icy issued to Anderson Bay Cruises, Inc. Coverage takes effect 11-11-86 Policy Number CK08500606 Coverage Summary. Page 1 of 1.