CERTIFICATE OF INSURANCE (2)
FROM:
~~.
" i CITY OF CLEARWATER
I nterdepartment Correspondence Sheet
Eliazbeth S. Haeseker, Assistant Cit~Ma~
Bill Held, Assistant Harbormaster ~.
TO:
COPIES:
Lucille Williams, City Clerk
SUBJECT: Insurance Policy - Anderson Bay Cruises
DATE:
May 28, 1985
I have received and reviewed the insurance policy for Anderson Bay
Cruise, Inc.. This policy meets the requirements of their lease
agreement with the city.
Policy expires on November 11, 1986.
WCH:nnn
..
RECEIVED
JUN ~ J98"
CITY CLERK
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The St. Paul
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Introduction
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Your Multicover Policy protects your business
property. It also protects your business against
claims made by others.
We've written this policy in plain, easy-to-
understand English. The words you, your and
yours mean the insured and his or her business:
Anderson Bay Cruises, Inc.
P.O. Box 3332
Clea~later, FL 33515
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Which is a
o co-partnership
KI corporation
o joint venture
o individual
o other
We, us, our and ours mean the St. Paul Fire and
Marine Insurance Company. We're a capital stock
company located in 5t, Paul, Minnesota.
Your Policy is composed of General Rules, What
To Do If You Have A Loss, and a number of
separate insuring agreements. They allow you
to tailor your insurance coverage to meet your
specific needs. The I1mits of your coverage are
indicated in each of the insuring agreements.
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Your policy and each of its insuring agreements
take effect on 11-11- 8 3 and continue
until 11-11-86 unless
indicated differently. T lace your former
policy, number; l'iB512
and automatica nate any coverage you
had under that policy.
.
In return for your premium, we'll pr()Vide the
protection stated in this policy.
L.3\'it on -3 vrn G - d run er
10 3ro3d~\;8Y
St. Louis, MO 63302
Your premium is see end. J to llltro:-
cluction
This policy is not effective until it's signed by an
authorized representative of The St. Paul.
Countersignature
Date
.; 1 - 1 1- 83
Agency at St. Petershurg. FL
Authorized "1'U '1) >1_~ I
Representative v. ) . J-tA ){f!~
40003 Ed. 7-77 Introduction. Page 1 of 1.
!:st. Paul Fire and Marine Insurance Company, 1977
Countersignature
Endorsement I
This endorsement changes your policy.
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How Your Policy Is Changed
This endorsement allows an agent who resides in
the state of
to countersign your policy. This signature is
needed because the agent who wrote your policy
and the property covered are in different states.
The state in which your property is located
requires a resident agent's signature to make this
policy valid.
Your Agent's Name And Address
Other Terms
All other terms of your policy remain the same.
Lawton-Byrne-Bruner
10 Broadway
St. Louis, MO 63102
Countersigning Agent -S Name And Address
~AYeyman-willinghc?l11 & Co.
P.O. Box 13499
St. Petersburg, FL 33733
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Signature Of ~O~~.fter?YJng :~Jl;
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Date
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I f we issue th is endorsement after the date
your policy takes effect, we must complete these
spaces and our representative must sign below.
Authorized representative
40506 Ed. '-80 Printed in U.S.A.
<OS!. Paul Fire and Marine Insurance Company. 1980.
Policy issued to
i'Jl.c1p.rson dC'" Cru i s es. IDe.
Endorsement takes effect
'il-:1J-83
Policy number
l~ 8 5 h B 53 2 5
Endorsement number-.1.....:.to General Rules. Page 1 of 1.
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Your Policy Premium
This policy is a three year annual installment policy and
your premiums are due as follows:
Premiums
Due at
Inceotion
.
Due at each
Subsequent Anniv.
Total
3-Year
A. Subject to
term rule
$ 154.00
$ 154.00
$ 462.00
B. *Not subject
to rul e
$ 572.00
To be determined
A and B
combined
$ 726.00
$
$
*The premium, if any, shown in Item B above is for one
year only and is for the coverages shown below. Premiums
for subsequent years will be determined at the rates in
effect at each anniversary.
Produets - restaurant 58260
Other terms
All other terms of your policy remain the same.
I f we issue this form aft9r the da~e IO.A 00 C.'I
takes effect, we must comp:8te these spaces ;:Jr.d
our representative must sign below.
/.~uthorized representative
?G~:C\t' issued to
~nderson Bav Cruis~s. Ine.
~';ieer:,ent takes eff~ct
'tU w ~ -L-y)CV\,
11-11-83
;)c. i :C.'i n~ r:b8r
I] 8 S~: B 532 5
Insurif1g A.greement
Endorsement number_to Insuring Agree::-1ent_.
E:1dorserr;e1t niJmber ~to INTRODUCTION
~St. Pawl FirB a"':: '\lar:n~ !:'I:il-r,3.'l.:e ,-:.:~.::la-:'t, :98'J.
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General
Rules
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These rules apply to the entire policy unless
you're notified otherwise.
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Your Policy Period
Insuring agreements in this policy begin at 12:01
a.m., standard time, on the effective date. If this
pol icy replaces pol icies end i ng at noon, rather than
12:01 a.m., you'll be covered starting at noon when
coverage under the old pol icy ends.
Insuring agreements added to this policy after its
effective date go into force on the date shown in
the added agreement.
Your coverage is scheduled to end at 12:01 a.m.,
standard time, on the expiration date. If all or
part of this policy is cancelled for any reason
before that date, that coverage will end at 12:01
a.m., standard time, on the cancellation date.
Estimated Premiums
We compute the premium you pay for this policy
using information available at the time. So, all or
part of your premium may be based on estimates.
If estimates are used, we'll compute your actual
premium when complete information is available
at the end of the policy period. If it's more than
you've already paid, you'll owe us the difference.
If it's less, we'll pay you back the difference. But
you won't pay less than any minimum annual
premium agreed on.
You must keep accurate records of the information
we'll need to compute your premium. Your agent
can explain the type of records we'll need. You
agree to send us copies of these records at the end
of each policy period - or any other time we
request them.
Our Right To Inspect And Audit
You agree to let us inspect your property and
business operations during normal business hours
while this policy is in force. We're not, however,
required to make inspections. Nor will we
guarantee that your property or operations are
safe, or that they conform to any laws, rules
or regulations.
Th is pol icy is signed by the President and Secretary
of the company named on the I ntroduction Page.
One of our authorized representatives must also
countersign the policy before it is valid.
40500 Ed. 1.80 Printed in U.S.A.
c:St. Paul Fire and Marine Insurance Company, 1980.
You also agree to allow us to examine and audit
your financial books and records that relate to
this insurance at any time up to 3 years after
this policy ends.
Policy Changes
This policy can only be changed by a written
form included as part of the policy. The
form must be signed by one of our
authorized representatives.
Nothing else, including notice to one of our
agents or knowledge of an agent or someone
else, will change this policy or waive any of its
terms or stop us from asserting any of our rights
under it.
We make changes in our standard insurance policy
forms from time to time. These changes must
conform to state law and are filed with insurance
supervisory authorities for approval. While your
coverage is in force we can make any change in
the form of th is pol icy that broadens or ex tends
your coverage. If we do, and the change can be
added to your policy without increasing your
premium, you'll automatically receive the benefit
of the extended or broadened coverage. The same
procedure applies to any changes we make in the
45 days before your policy goes into effect.
Assignment And Transfers
Neither you nor anyone else covered under this
polic', can assign or turn over your interest in
it without our written consent attached to
the pol icy.
If you die, however, your interest will be
transferred to your legal representative and hE) or
she will be covered until the end of the policy
period. Until a legal representative is appointed,
the person who has temporary custody of your
insured property will be covered.
Secretary
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President
General Rules.
Page 1 of 2.
Cancellation
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You can cancel this policy in whole or in part at
any time. We have the same right.
To cancel, you must deliver the policy or the part
you want cancelled to us or to any of our
authorized agents. If this isn't possible notify us by
mail and include the date you want the coverage to
end. You'll get a refund for the unused premium
less a charge for early cancellation.
If we cancel this policy, we'll mail or deliver a
cancellation notice at least 30 days before your
coverage will end - 10 days if we're cancelling
for nonpayment of premium. Mailing this notice
to your last known address will be proof you
were notified. You'll get a refund of any unused
premium as soon as possible. However, the
cancellation will be effective whether or not
you've been paid or offered the unused premium.
Recovering Damages from A Third Party
Any person protected under this policy may be
able to recover all or part of a loss from someone
other than us. Because of this, each protected
person must do all that's possible to preserve
any right of recovery available. If we make a
payment under this policy that right of recovery
will belong to us. If we recover more than we've
paid, the excess will belong to the person who
had the loss. But we'll deduct our recovery
expenses first.
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fraud And Misrepresentation
This policy will be void if you or any other
protected person hide any important information
from us, mislead us, or attempt to defraud or
lie to us about any matter concerning this
insurance - either before or after a loss. Of course,
everyone makes mistakes. Unintentional errors or
omissions won't affectvour rights under this policy.
How State law Affects Thi~ Policy
Any part of this policy that conflicts with state law
is automatically changed to conform to the law.
Arbitration Of Property Disputes
If your policy includes property insurance and
agreement can't be reached on the amount of your
property loss, the following procedure will be used:
1. One of us will make a written demand
for arbitration.
2. Each will select an appraiser and decide on a
reasonable time and place for an appraisal of the
loss and damage.
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3. The appraisers willagree on a competent and
impartial umpire. If they can't agree on an umpire
within 15 days, a judge in the state where the
appraisal is to be held will be asked to pick one.
4. The appraisers will each compute the loss and
state the actual cash value of the property at the
time of loss and the amount of the loss. I f they
don't agree, they'll submit their appraisals to the
umpire. Agreement of two out of three will decide
the amount of the loss.
You'll pay your appraiser and we'll pay ours. And
other costs of the appraisal and the umpire will be
shared equally by you and us.
We won't be held to have waived any of our rights
under this policy because of the appraisal.
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lawsuits Against Us
No one can sue us to recover under th is pol icy
unless all of its terms have been lived up to.
If your policy includes property insurance. Any
lawsuit to recover on a property claim must begin
within 1 year of the date you become aware of the
loss. State law gives you more time for property
located in these states:
'New York, Maine, Virginia, Minnesota - two years;
'North Dakota, North Carolina - three years;
'Wyoming - four years;
. Kansas, Nebraska - five years.
If your policy includes liability insurance. No one
can sue us on a liability claim until the amount of
the protected persons' liability has been finally
decided either by trial or by a written agreement
signed by the protected person, by us and by the
party making the claim. Once liability has been
determined by judgement or by written agreement,
the party making the claim may be able to recover
under this policy, up to the limits of your coverage.
But that party can't sue us directly or join us in a
suit against the protected person until liability has
been so determined. If the protected person or his
or her estate goes bankrupt or becomes insolvent,
we'll still be obligated under this policy.
Provision Required By law
"This Policy is issued under and in pursuance of
the ICiws of the State of Minnesota, relating to
Guaranty Surplus and Special Reserve Funds,"
Chapter 437, General Laws of 1909. (This
provision applies only if this policy is issued in
the St. Paul Fire and Marine Insurance Company.)
Page 2 of 2.
t:st. Paul Fire and Marine I nsuranc'e Company, 1980.
What To Do
If You Have A ~oss
Loss Or Damage To Covered Property
If an accident or incident causes a property loss
that's covered under this policy you must:
1. Tell us or ou r agent what happened as soon as
possible. Include the time and place of the event
and names and addresses of any witnesses.
2. Notify the police if a law may have been broken.
3. Do everything possible to protect the property
from further damage.
4. Make any reasonable and necessary repairs and
keep a record of your expenses.
5. Separate the damaged personal property from
the undamaged and make an inventory of the
damaged items.
6. Show us the damaged property and any records
you have to prove your loss.
7. Allow us to question you under oath about your
claim. You agree to sign a copy of your answers.
You must also do your best to get your employees,
members of your household and others with a
financial interest in the property to do the same.
8. Send us or our agent a sworn "Proof of Loss
Statement" detailing your loss and interest in the
property. Payments will be made within 30 days
after we reach agreement with you.
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40501 Rev. 7.82 Printed in U.S.A.
<est. Paul Fire and Marine Insurance Company. 1982.
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Someone Is Injured Or Something
Happens Which Can Result In A
Liability Claim
If there's an accident or incident covered under
this policy you or any other protected person
involved must:
1. Tell us or our agent what happened as soon as
possible. Do this even though no claim has been
made but you or another protected person is aware
of having done something that may later result in a
claim. This notice should include:
· The time and place of the event;
. The protected persons involved;
. The specific nature of the incident including the
type of claim that may result; and
. The name and addresses of any injured people
and witnesses.
2. Notify the police if a law may have been broken.
3. Send us copies of all demands or legal documents
if someone makes a claim or starts a lawsuit.
4. Cooperate and assist us in securing and giving
evidence, attending hearings and trials, and
obtaining the attendance of witnesses.
5. Refrain from taking onany financial obligations
or paying out any money without our authorization.
Doing so may result in our not making
reimbursement of the payment even though the
cost is covered by the policy. But this rule doesn't
apply to money spent for emergency first aid to
others at the time of an accident.
What To Do If You Have A Loss
Page' of 1.
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Property Prote~tion
Coverage Summary
This coverage summary describes each insured item
and shows the limits and extent of coverage
under your:
a;j Multicover Property Protection
o Compact Property Protection
D
Coverage applies only when a limit is shown.
Description and location of covered property.
Item 1.
On the one storv c?poroved roof
fra,ne building ~ccupied
as a Ticket office located:
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25 Causeway Blvd.
Clearwater Beach~ FL 33517
limits and extent of coverage.
Building
D Replacement Cost
D Actual Cash Value
$
Business Contents
o Replacement Cost
m Actual Cash Value
$ 500.00
Level of
Protection
Coinsurance
%
Theft Level of Coinsurance
Coverage Protection
IZI Yes 0 No 3 80 %
Level of
Protection
%
Item 2.
Building
o Replacement Cost
o Actual Cash Value
$
Business Contents
D Replacement Cost
D Actual Cash Value
$
Level of Coinsurance
Protection
%
Theft Level of Coinsurance
Coverage Protection
DYes DNo %
Level of
Protection
%
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Deductible. The deductible in your agreement applies unless ar.other deductible is shown here.
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Who we'll pay for loss to business contents
Mortgage holder
Item_; name and address of mortgage holder.
Item__; name and address of who we'll pay.
If we issue this coverage summary after the date
your policy takes effect, we must complete these
spaces and our representative must siqn below.
Authorized representative
Pol icy issued to
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W' W d/~:fyJ~
_\nc!erson de'" CruisE's,
Coverage summary takes effect
jj-:J3-83
Policy number
685:';05325
Ine.
42135 Ed. 1-81 Printed in U.S.A.
Coverage Summary.
Page 1 of 1.
Property Coverage.
~St. Paul Fire and Marine Insurance Company, 1981.
fROPERTY PROTECTI~N
We've designed this agreement to protect
against a variety of property losses. Of
course, there are limitations which are
explained later in this agreement.
Table of Contents Page
What This Agreement Covers 1
Property That Has Limited Coverage 2
Property Not Covered 2
Additional Benefits 3
Levels Of Protection 5
Level 1 Protection 5
Level 2 Protection 7
Level 3 Protection 8
ExClusions-Losses We Won't Cover 8
Rules For Loss Adjustment 11
1. How Your Property Is Valued 11
2. Deductible 13
3. Coinsu rance Rule 13
4. Other Insurance 14
Insurance For Your Benefit 15
Adjusting Losses 15
Who We'll Pay For Loss To
Business Contents 15
If Your Building Is Mortgaged 15
Other Rules For This Agreement 15
What This Agreement Covers
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The Coverage Summary describes each in-
su red item and shows the I imit and extent
of coverage. In this section we explain
what is inCluded under the building and
business contents coverages.
Building. If you have building coverage,
we'll cover your financial interest in the
insured building or structure and the fol-
lowing building items while they're at the
same location.
-Fixtures, machinery and equipment that
are a permanent part of the building and
are used to provide building services.
For example, elevators and heating
equ ipment.
-Yard fixtures such as lampposts and
flagpoles.
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-Items you own which you use to service
or maintain the building. For example,
outdoor fu rn itu re, fire extingu ish ing
equipment, floor coverings and appliances
for refrigerating, ventilating, cooking,
dishwash ing and laundering. But you r
building coverage doesn't apply to other
items that you, as landlord, use to fur-
nish apartments or rooms in your
bu ilding.
-Construction materials, supplies and
equipment that you intend to use to alter,
repair or expand the insured building.
During construction, we'll cover these
materials at the insured location or in the
open within 100 feet of it and we'll cover
any temporary structures at the insured
location.
Business contents. If you have business
contents coverage, we'll cover your busi-
ness contents while:
-in or on an insured building;
-in the open within 100 feet of the In-
su red location; or
-within vehicles in the open within 100
feet of the insured location.
For example:
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If you manufacture stoves, raw materials
and finished stoves on your loading dock
would be covered. We would also cover
your goods while in a truck at the loading
dock or in the open within 100 feet of
your insured location.
Business contents means things you own
or have a financial interest in such as
furniture, equipment, supplies and other
movable items used in your business.
Your business contents coverage includ~s
the value of materials, labor and other
42300 Ed.10-82 Printed in U.S.A.* Insuring Agreement 1
@St.Paul Fire and Marine Insurance Co.1982
Page 1 of 16
Property Coverage
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services you've expended on other peo-
ple's property. But it doesn't incl ude the
val ue of other people's property. For ex-
ample:
You run a TV repair shop. A customer's
TV is destroyed in a fire at your shop.
You have already worked on it and re-
placed several parts. You even had to go
across town to get one part. We cover the
value of your labor, the parts you re-
placed and your expense in obtaining the
part across town. But we won't cover the
value of the customer's TV.
Improvements. If you're a tenant at the
insured location, your business contents
coverage can also apply to improvements
that you make to the building.
Improvement means a permanent alteration
or addition that legally can't be removed.
If you pay for an improvement, and none
of the payment is part of your rent, we'll
cover the value of your right to use the
improvement.
The limit of business contents coverage is
the most we'll pay for all loss to you r con-
tents and improvements. However, we
won't pay for loss to your improvement if
someone other than you pays to repair or
replace it.
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Removal. We'll cover loss or damage to
covered property that results when
you're forced to remove it from a location
endangered by a covered peril. We'll
cover the property while it's being moved
to a safe place and continue your insur-
ance for 5 days at each place where it's
ker-tt. But the total amount of insurance
for all locations combined won't exceed
the limit of coverage at the original lo-
cation. We'll also cover th is property
while it's being returned to the insured
location.
Debris removal. If insured property is
damaged by a covered peril, we'll pay the
cost of removing debris of the damaged
property. But the amount we'll pay for
both loss to your property and debris re-
moval expenses combined won't be more
than the appl icable I imits of coverage.
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The cost of removing the debris won't be
included in determining the actual cash
value under the Coinsurance Rule de-
scribed on page 13.
Property That Has Limited Coverage
The following property is only covered
for loss directly caused by fire, smoke,
lightning, wind or hail to property in a
building, explosion, vehicles and
ai rcraft, vandal ism and mal icious
mischief, civil disturbance and riot or
sprinkler leakage:
-Live animals, birds and fish you are
holding for sale or that you have sold but
not yet del ivered if they die or have to be
destroyed.
-Trees, shrubs and plants you hold for
sale or have sold but not yet del ivered.
-Val uable papers and records incl uding
account books, manuscripts, abstracts,
drawings, card index systems, and data
processing storage or recording media.
Property Not Covered
Some pr'operty is only covered if de-
scribed in the Coverage Summary. Other
property isn't covered at all. Th is section
explains these two categories.
Property covered only if described. We
won't cover the following property unless
it's described in the Coverage Summary.
-Household or personal effects in living
qua rters occupied by you, you r officers,
directors, stockholders, partners or rela-
tives of any of these, except for the cov-
erage provided under Add itional Benefits.
-Self-propelled land vehicles designed for
use on public roads such as cars, trucks
and trailers. But we'll cover motorized
eqiupment that is used mainly at the in-
sured location and isn't licensed for use
on public roads such as lawnmowers,
tractors and forkl ifts.
-Outdoor signs, including those attached
to buildings.
Page 2 of 16
@St.Paul Fire and \1arine Insurance Co.1982
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-Outdoor ornamental trees, plants and
sh rubs, except for the coverage provided
under Additional Benefits.
-Outdoor swimming pools, beach or diving
platforms and accesories.
- Piers, docks and wharves.
-Retaining walls that aren't part of a
bu ilding,
- Fences, wal ks, roadways and other
paved surfaces.
-The cost of excavations, grading or fill-
ing.
- Foundations that are below the lowest
basement floor, or below ground level if
there is no basement. Foundations include
those for boilers, engines and other ma-
ch inery.
-Underground flues, pipes, drains, piers
or pilings. Also, pilings below the low wa-
ter mark.
Property covered only if held for sale.
We'll cover the following items only if
you're actually holding them for sale or if
they're sold but not yet del ivered and if
they're described in the Coverage Summa-
ry.
-Animals and pets.
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-Motorcycles, motor scooters and snowmo-
biles.
-Outdoor trees, plants and shrubs.
-Watercraft, while not on water, including
motors, equ ipment and accessories. How-
ever, there is one exception. We'll cover
rowboats and canoes - whether or not
they're held for sale - while out of water
at the insured location.
Property not covered at all. We won't
cover the following property under this
agreement.
-Aircraft.
- Property In a watercraft wh ile on water.
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-Lawns. Growing crops, including stand-
ing timber.
-Money, securities, deeds, accounts,
bills, notes and other evidence of debt.
-Property you've sold on an installment or
other deferred payment basis after it's
been delivered to the customer.
-Your interest in personal property that
others also have a financial interest in, if
you r interest is otherwise covered by in-
su rance.
-Property that's more specifically insured
in whole or in part under this or any oth-
er pol icy. But this agreement will provide
excess insurance on the property after
the more specific coverage is used up.
This agreement's deductible and coinsu-
rance rule will apply to this excess
coverage.
Additional Benefits
All the following benefits are in addition
to the I imits of coverage shown in the
Coverage Summary.
Temporary location. We'll cover direct
loss caused by a covered peril to proper-
ty insured under your building or busi-
ness contents coverage wh ile the property
is temporarily away from your insured lo-
cation. Coverage will conti nue for up to
60 days. Th is benefit only covers prop-
erty at a fixed location; it doesn't cover
property while in transit. We'll pay up to
$10,000 for anyone event, but not more
than the combined limits of building and
business contents coverage \for the in-
su red location.
This benefit doesn't apply to any of the
following:
-samples or other property of sales per-
sonnel;
-property at fairs, exhibitions or
displays;
-property you rent or lease to others;
42300 Ed.10-82 Printed in U.S.A.* Insuring Agreement 1
@St.Paul Fire and Marine Insurance Co.1982
Page 3 of 16
Property Coverage
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-property at a location you own, lease,
operate or control; or
-property that's on someone else's prem-
ises for or during construction or instal-
lation.
Property in transit. If you have business
contents coverage, we'll cover your busi-
ness contents while in transit within the
continental United States, Alaska, Hawaii,
Puerto Rico or Canada or between any of
these' places. We'll pay up to $2,500 for
direct loss to covered business contents
in each vehicle in one event. This benefit
only appl ies to losses caused by any of
the following perils:
-Fire, smoke, explosion, lightning, wind
or hail.
- Riot, civil distu rbance or vandal ism.
-The overturning, stranding, sinking,
burning or derailing or a vehicle being
used for transportation.
-Coil is ion between the veh icle carrying
you r property and another veh icle or ob-
ject. But we won't cover loss if only the
vehicle's cargo - not the vehicle - hits an
object. Nor will we cover loss that results
from the vehicle hitting a pothole, rail-
road crossing or other rough surface.
And we won't cover damage that results
from the bumping or uncoupling of rail-
road ca rs.
-Theft of an entire shipping unit.
Shipping unit means the container in
which a number of items are shipped. For
example:
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We won't cover the theft of a single item
from a box of 10, but we'll cover the theft
of the entire box,
Theft from a vehicle you own, lease or
operate is only covered when property IS
taken from .a locked area of the vehicle
and there are visible signs of forced en-
try. Th is theft benefit appi ies whether or
not you have optional theft coverage for
business contents.
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This benefit doesn't apply to property In
the care of your sales personnel. Nor
does it apply to property once it's in the
care of the Post Office.
Newly acquired property. We'll cover di-
rect loss caused by any covered peril to
newly acquired property in the conti-
nental United States, Alaska, Hawaii or
Puerto Rico for up to 30 days.
We'll pay up to 25% of your building cov-
erage for new fixtures, alterations or ad-
ditions you add to a covered building or
for new buildings you acquire for use in
your business.
We'll also pay up to 1006 of your business
contents coverage, but not more than
$10,000, for loss to newly acquired busi-
ness contents in anyone event. But th is
benefit doesn't apply to stock at any lo-
cation shown in the Coverage Summary,
or to contents at a fai r or ex h ibition.
Th is benefit ends 30 days after you ac-
quire the new property or begin installa-
tion or construction. It will end sooner if
you report the newly acquired property's
value to us to obtain permanent coverage.
The additional premium will be due from
the day the property is acquired or in-
stallation or construction begins.
Valuable records research coverage. If
you have business contents coverage,
we'll pay up to $2,500 for research and
other expenses necessary to reproduce,
replace or restore val uable records. Th is
benefit only applies if the records are
damaged by a covered peril while at the
insured location.
Valuable records include account books,
manuscripts, abstracts, drawings, card
index systems, computer prog rams and
data processing materials. See "Setting a
value on records" on page 11 for the
amount of coverage for replacing the phy-
sical materials.
Extra expense to continue your business.
We'll pay up to $2,500 to help you main-
tain normal business operations following
the damage or destruction of covered
property by an insured peril. We'll pay
extra expenses that are over and above
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you r normal operating costs and that are
directly related to your loss.
We'll cover you from the date of the dam-
age for as long as it should reasonably
take to rebuild, repair or replace your
damaged property regardless of when this
agreement ends.
We won't pay for loss of income. Nor will
we pay for repairing, replacing, or re-
storing covered property or necessary
papers, computer programs and records
under this benefit - unless doing so will
reduce the total extra expenses of restor-
ing your business. And in no event will
we pay more than a total of $2,500 for all
your extra expenses. For example:
A fire in your machine shop damages a
drill. While your drill is being repaired,
you rent another to complete an order on
schedule. The business contents cover-
age will pay for repairing the damaged
drill, and this benefit will pay for renting
the extra drill. However, suppose that
you can have the drill repaired faster by
paying $100 for overtime work. By doing
so you can reduce your total extra ex-
penses from $800 to $600, In this case,
we'll pay the above-normal $100 repair
expense.
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Outdoor ornamental trees, shrubs and
plants. We'll cover loss to outdoor orna-
mental trees, shrubs and plants at the in-
sured location caused by fire, lightning,
explosion, aircraft, civi.l disturbance or
riot. We'll pay up to $2,500 for anyone
event. The most we'll pay for anyone
tree, sh rub or plant, incl uding the cost
of remov ing or carting it away, is $250.
Th is benefit doesn't apply to trees,
shrubs or plants grown commercially.
Personal belongings. If you have busi-
ness contents coverage, we'll pay up to
$2,500 for direct loss caused by a covered
peril to personal belongings at the in-
su red location. The most we'll pay for the
property of anyone person is $250. This
benefit doesn't apply if the property is
otherwise insu red.
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Coverage for other people's property.
We'll cover direct loss caused by a cov-
ered peril to the personal property of
others that's in your care while it's in or
on a building at your insured location.
We'll also cover this property while:
-in the open within 100 feet of the in-
sured location; or
-within vehicles in the open within 100
feet of the insured location.
We'll pay up to 2% of your business con-
tents coverage, but not more than $2,500.
This benefit applies separately to each in.,.
su red location.
Levels Of Protection
There are three possible levels of pro-
tection under this agreement: levels 1,2,
and 3. The level of protection for proper-
ty covered is shown in the Coverage
Summary. I n the following sections we
explain what perils are included for each
of the three levels of protection. Pro-
tection against other perils may be added.
Sprinkler leakage. Covered property may
be insured for Sprinkler Leakage only. If
so, it's indicated by the symbol "SL" for
the level of Protection in the Coverage
Summary. Sprin kler Lea kage coverage is
explained on page 6.
Levell Protection
We'll insure the covered property against
di rect loss or damage caused by any of
the perils described in this section.
Fire. We'll cover loss or damage caused
by fire. This includes smoke and water
damage resulting from a fire.
Smoke. We'll cover sudden and accidental
damage caused by smoke. But we won't
cover smoke damage from agricultural
smudging or industrial operations.
Lightning. We'I/cover all loss or damage
caused by I ightn ing.
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Wind and hail. We'll cover loss or damage
caused by wind or hail. We'll also cover
water damage inside your building caused
by a sprinkler system or other piping
that's been damaged by wind or hail. If
wind or hail makes openings in the roof or
walls, we'll cover damage inside your
building caused by rain, snow, sand or
dust coming th rough those openi ngs.
But we won't cover any other damage
caused by frost, cold weather, ice, snow
or sleet, even if driven by wind. Nor will
we cover damage caused by wind or hail
to: metal smokestacks; windmills, wind
pumps or thei r towers; or crop silos or
thei r contents.
And we won't cover damage caused by
wind or hail to any of the following while
outdoors:
-grain, hay, straw or other crops;
-trees, shrubs or plants;
-outdoor radio or television antennas, In-
cluding their lead-in wiring, masts or
towers; or
-awnings or canopies made of cloth or
slats, including their supports.
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Explosion. We'll cover loss or damage
caused by explosion. This includes the
explosion of accumulated gas or uncon-
sumed fuel in the firebox or combustion
chamber of a fired furnance or in the
flues or passages leading from the firebox
or chamber. But we won't cover losses
caused by the explosion of a steam boiler,
steam pipe, steam turbine or steam engine
that you own, lease or operate.
We won't consider any of the following to
be explosions and they aren't covered:
-electric arcing or sonic booms;
-rupture of moving parts of machinery by
centrifugal force or mechan ical
b rea kdown;
-water hammer or ruptu re of water pipes;
- ruptu re or operation of pressu re rei ief
devices; or
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-the rupture of a building due to the
swelling of its contents caused by water.
For example: the bursting of a grain ele-
vator caused by the swelling of wet
g ra In .
Vehicles and aircraft. We'll cover direct
loss or damage caused by a coil ision of a
vehicle or aircraft with the insured prop-
erty or the building housing it. We'" also
cover damage caused by objects falling
from aircraft.
Vehicles mean machines that run on land
or tracks.
Aircraft include self-propelled missiles
and spacecraft.
But we won't cover damage caused by a
veh icle that's owned or operated by you
or any tenant of an insured location. And
we won't cover damage caused by a vehi-
cle to fences, driveways, wal ks, trees,
shrubs or plants outside a building. Nor
will we cover damage to vehicles or air-
craft except those you are manufacturing
or holding for sale.
Vandalism and malicious mischief. We'"
cover intentional and malicious damage to
covered property. Th is incl udes mal icious
damage to buildings by burglars, but not
the theft of any property. We'll cover
damage to glass building blocks, but not
damage to any other glass that's part of a
building, structure or outdoor sign.
And we won't cover loss that results if
vandal ism causes:
-delay, depreciation, deterioration or loss
of market;
-mechan ical brea kdown or ruptu re of ro-
tating parts of machinery you own, oper-
ate or control; or
-explosion of a steam boiler, steam pipe,
steam turbine or steam engine you own,
lease or operate.
Civil disturbance and riot. We'" cover
loss or damage resulting from a civil dis-
.turbance or riot, including a riot during
a strike. Losses due to looting at the time
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and place of a riot are also covered. And
we'll cover damage caused by striking
employees of the owner or tenants of an
insured building while strikers are occu-
pying the building.
Butwe won't cover damage caused by a
change in temperature or humidity. Nor
will we cover loss caused by interruption
of business that results from the disturb-
ance or riot.
level 2 Protection
We'll insure the covered property against
direct loss or damage caused by any of
the Level 1 perils described in the pre-
ceding section and any of the additional
perils described below in this section.
Sprinkler leakage. We'll cover loss or
damage that results if you r automatic
sprin kler system lea ks or discharges wa-
ter or any substance. We'll also cover
damage that results if a tan k wh ich is
part of the sprinkler system collapses or
falls. And, if the building is covered,
we'll pay the cost of repair or replacement
if your sprinkler system freezes or if
breakage causes it to leak.
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Automatic sprinkler system means any au-
tomatic system for fire protection includ-
ing sprinklers, discharge nozzles and
ducts, pipes, valves, fittings, and tanks
with all their parts and supports. Also
included are pumps and private fire mains
that are part of the system.
Non-automatic fire protective systems,
hydrants, standpipes or outlets are in-
cl uded if they're suppl ied by automatic
systems.
We'll cover sprinker leakage damage that
results from any of the following work,
but only if the leakage occurs within 15
days after the work starts:
-Repairs, alterations or extensions that
involve a wall, support or roof; or
-I nsta Ilation or alteration of an automatic
sprin kler system.
We won't cover any sprin kler leakage
damage while the building is vacant.
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Building glass breakage. We'll cover
breakage of glass that's part of an in-
sured building. This doesn't include neon
tubing attached to the building.
The most we'll pay is $50 per item of
glass, up to $250 for all glass broken in
anyone event. We'll consider each plate,
pane, insulating unit, radiant heating pa-
nel, jalousie, louver or shutter to be a
separate item.
Falling objects. We'll cover loss or dam-
age that results if a fall ing object such as
a tree branch strikes an insured
building. If the falling object damages the
outside of a building, we'll also cover
damage it causes to covered property in-
side the building. We won't cover loss to
personal property in the open caused by
a falling object.
Weight of ice, snow or sleet. We'll cover
loss or damage caused by the weight of
ice, snow or sleet at the insured
location. But we won't cover such damage
to outdoor radio or television antennas or
towers, gutters or downspouts, awnings,
or yard fixtures such as fountains and
benches. Nor will we cover such damage
to personal property in the open.
I n addition, we won't cover damage to any
of the following caused by freezing or
thawing or by the pressure or weight of
ice or water, even if driven by wind:
fences; outdoor swimming pools; piers,
wharves and docks; diving platforms; re-
taining walls that aren't part of a
building; or wal ks, roadways, and other
paved su rfaces.
Water damage" We'll cover loss or damage
caused by an accidental leak or discharge
of water or steam from a plumbing, heat-
ing or air conditioning system or a house-
hold appliance. The leak or discharge
must be a direct result of a break or
crack in a pipe, fitting, fixture or part In
the system or appl iance.
If damage caused by the leak or discharge
is covered, '-.ve'll also pay the cost of tear-
ing out and replacing any section of the
building when that is necessary to repair
the system or appl iance. However, we
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Property Coverage
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won't cover the cost of repairing or re-
placing the system or appl iance itself
unless the building is covered.
In addition, we'll cover water damage
caused by freezing but only if:
.you use reasonable care to see that the
building is heated while it's vacant or un-
occupied; or
.you have the plumbing and heating sys-
tem and household appliances drained and
the water shut off before leaving the
building vacant or unoccupied.
Building collapse. We'll cover loss or
damage to covered property caused by
the collapse of a building at the insured
location.
But we won't cover damage to any of the
following unless the damage is the direct
result of the building's collapse:
.fences, retaining walls;
.outdoor swimming pools, beaches;
.piers, wharves, docks;
.diving platforms;
.patios, wal ks, roadways and other paved
surfaces;
.outdoor radio or TV antennas or towers
including their lead-in wiring;
.gutters or downspouts; or
.awnings or yard fixtures.
Nor will we cover damage caused by settl-
ing, cracking, bulging, shrinking, or
expansion of a pavement, foundation,
wall, floor, roof or ceiling unless the
damage is the direct result of the
bu ilding' s collapse.
level 3 Protection
Under level 3, we'll insure the covered
property against all risks of direct phys-
ical loss or damage. However, we won't
cover losses described under
Exclusions-Losses We Won't Cover. But
loss due to theft or attempted theft of bu-
siness contents is covered only if you
have theft coverage as indicated in the
Coverage Summary.
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Property covered for limited amounts
under level 3. If you have level 3 pro-
tection for business contents, the follow-
ing property is covered for limited
amounts. However, these limits don't ap-
ply to loss caused by fi re, smoke, I ight-
ning, wind or hail to property in a
building, explosion, vehicles and
ai rcraft, vandal ism and mal icious
misch ief, civil distu rbance and riot, or
sprin kler lea kage.
Fur, The most we'll pay for all loss or
damage to fur or fur garments in anyone
event is $2,500.
Jewelry. The most we'll pay for all loss
or damage in anyone event to jewel ry,
watches, watch movements, pearls, pre-
cious and semi-precious stones, and pre-
cious metals like gold, silver and platinum
is $2,500. But this limitation doesn't ap-
ply to jewel ry and watches val ued at less
than $50 per item.
Patterns. The most we'll pay for all loss
or damage to patterns, molds, dies, mod-
els and forms in anyone event is $2,500.
Stamps - Tickets. The most we'll pay for
all loss to stamps, tickets and letters of
credit in anyone event is $250.
Exclusions-losses We Won't Cover
These exclusions apply to all levels of
protection.
When we use the word "loss" In this sec-
tion we also mean damage.
Earth {rovement - water. We won't cover
loss caused or made worse by:
-Earthquake, landslide, mudslide or other
ea rth movement;
-Eruption, explosion or effusion of a vol-
ca no;
- Flood, su rface water or spray, even if
driven by wind;
-Water backup from a sewer or drain; or
-Underground water exerting pressure or
flowi ng th rough a sidewal k, driveway,
foundation, wall, basement, floor , door,
window or other opening.
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If a fire or explosion results from any of
these earth movements or water perils,
we'll pay for the damage directly caused
by the fire or explosion. For example:
An earthquake causes a wall in your
building to collapse, breaking a gas pipe.
The gas explodes and starts a fire. We
won't cover the damage to the wall or pipe
caused by the earthquake. But we'll cov-
er the damage caused by the fire.
This exclusion doesn't apply to a covered
theft loss or to loss to property in
transit.
Seepage. We won 't cover loss that results
if water or steam leaks from a plumbing,
heating or air conditioning system or
household appliance over an extended pe-
riod of time. We'll consider any contin-
uous or repeated leakage that lasts for
over 2 weeks to have occu rred over an
extended period of time.
Leakage or overflow. We won't cover loss
caused by leakage or overflow of plumb-
ing, heating, air condition ing or other
equipment or appl iances that results from
freezing while the building is vacant or
unoccupied unless:
-you use reasonable care to see that the
building is heated;
-you have the equipment and appl iances
drained and the water shut off before
leaving the building vacant or
unoccupied.
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However, we'll cover loss caused by
freezing of fire protection systems even
though you don't take these precautions.
If damage caused by a leak is covered,
we'll also pay the cost of tearing out and
replacing any section of the building
when that is necessary to repair the
equipment or appliance. However, we
won't cover the cost of repairing or re-
placing the equipment or appliance itself
unless the building is covered.
Wear - tear - deterioration - animals. We
won't cover loss caused or made worse
by:
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-Wear and tear, marring or scratching.
-Deterioration, mold, wet or dry rot, rust
or corrosion.
-Contamination, shrinkage, evaporation,
loss of weight.
-The inherent nature of the property.
I nherent nature means a latent defect or
any quality in the property that causes it
to deteriorate or destroy itself.
-Changes in flavor, color, texture or fin-
ish.
-Animal and insect pests, including
birds, mice, rats and termites.
If a loss that would otherwise be covered
results from one of these causes, we'll
pay for di rect loss that results. For ex-
ample:
Several chipmunks damage your wall by
burrowing into it. One of them chews
through a wire and starts a fire. We won't
cover the damage to the wall caused by
the chipmunks. But we'll cover the dam-
age caused by the fire.
Settling - smog - temperature. We won't
cover loss caused or made worse by:
-Changes or extremes in temperature or
humidity.
-Smog, smoke, vapor or gas from agricul-
tu ral or industrial operations.
-Settling, cracking, bulging, shrinking
or expansion of a pavement, foundation,
wall, roof or ceiling, unless the damage is
the direct result of building collapse.
If a loss that would otherwise be covered
results from one of these causes, we'll
pay for direct loss that results directly
from the covered peril.
Property being tested or worked on. We
won't cover loss due to the testing of
property. Nor will we cover loss to cov-
ered property that's being worked on or
installed if the loss results from th is
work. But if the testing or work results
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in a loss that would otherwise be covered,
we'll pay for the loss that results directly
from the covered peril. For example:
You hire an electrician to repair a switch
panel. He drops a wrench into the panel
which causes a short circuit and starts a
fire. We won't pay for the damage to the
panel caused by the wrench. But we'll
pay for damage caused by the lire.
Mechanical breakdown of building items.
We won't cover loss to property covered
under building items caused or made
worse by:
-Mechanical breakdown;
- Fa i lure;
-Derangement of mechanical parts;
-Defects due to faulty work, design, ma-
terials or manufacture; or
- Ruptu re caused by centrifugal force.
If a loss that would otherwise be covered
results from one of these causes, we'll
pay for the loss that results directly from
the covered peril.
Mechanical breakdown of other property.
We won't cover loss to property other
than building items caused or made worse
oy:
-Mechan ical brea kdown;
- Fa i lure;
-Derangement of mechanical parts; or
-Defects due to faulty work, design, ma-
terials or manufacture.
If a fire or explosion results from any of
the above causes, we'll pay for the loss
which results directly from the fire or
explos~on .
Breakage of fragile items. We won't cover
breakage of business contents consisting
of glass, glassware, marble, bric-a-brac,
porcelains or other fragile or brittle arti-
cles unless the breakage is caused by
fire, smoke, lightning, wind, hail, explo-
sion, vehicles, aircraft, vandalism or ma-
I icious misch ief, civil distu rbance, riot,
burglary or sprinkler leakage. If wind or
hail makes openings in your building,
we'll cover breakage of fragile items in
the building caused by wind or hail com-
ing th rough those open ings.
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However, bottles or similar containers
holding property you sell or photographic
or scientific lenses are not subject to the
above I imitations.
Electrical equipment. We won't cover loss
to electrical equipment, including wiring,
caused by electricity other than
lightning. But if a fire results we'll pay
for the damage caused by the fi reo
Electronic recordings. We won't cover
loss to electronic recordings caused by
electrical or magnetic injury, disturbanee
or erasing.
Utility failure. We won't cover loss that
results from the interruption of power,
heating, cooling, or other utility service
furnished to an insured location if the
break in service occurs away from that
location. But we'll pay for a loss that re-
sults from a utility interruption if the
break in service occurs at the insured lo-
cation and is caused by a covered peril.
Boilers. We won't cover loss to a hot wa-
ter boiler or any other equipment for
heating water when the loss is caused by
any condition or event within such equip-
ment other than an explosion.
We won't cover loss to a steam boiler,
steam pipe, steam turbine, or steam en-
gine when the loss is caused by any con-
dition or event within such equipment.
Nor will we cover loss caused by the ex-
posion of a steam boiler, steam pipe,
steam turbine or steam engine that you
own, operate or lease.
But if a loss results from fire or explosion
that would otherwise be covered, we'll
cover the resulting loss. '0/e'lI also cover
loss caused by the explosion of accumu-
lated gas or unconsumed fuel in the fir-
ebox or combustion chamber of a fi red
fu rnace or in the flues or passages lead-
ing from the firebox chamber.
Dishonesty. We won't cover loss caused
by any fraudulent, dishonest or criminal
act committed by you or by a partner, di-
rector, trustee, agent or employee of
yours. Nor will we cover dishonest acts of
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anyone entrusted with covered property.
But this exclusion won't apply to acts of
destruction by an employee of yours other
than theft.
Disappearance - inventory loss. We won't
cover loss of property that just disap-
pears or that you find missing when you
ta ke inventory.
Voluntary surrender. We won't cover the
loss if covered property is voluntarily
sold or given to someone who obtains it
by trick, false pretense or other fraudu-
lent schemes.
Property in the open. We won't cover
loss caused by rain, snow or sleet to pro-
perty in the open.
Property outside of buildings. We won't
cover loss caused by ice, snow, or sleet
to metal smokestacks or to the following
while outside a building: signs, cloth
awnings, and radio and television anten-
nas, including their lead-in wiring, masts
and towers.
Delay - loss of market. We won't cover
loss caused by delay, loss of market, loss
of use, or any indirect loss.
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Building laws. We won't cover loss that
results from the enforcement of any law
governing the use, construction, repair
or demol it;on of bu iJdings or other struc-
tures, including removal of debris. But
you're covered if your property is de-
stroyed by a civil authority in order to
stop the actual spread of fire. For exam-
ple, to establish a fire break.
Nuclear activity.(t We won't cover loss
caused by nuclear reaction, nuclear radi-
ation, or radioactive contamination. And
we don't intend these causes of loss to be
considered fire, smoke, explosion, or any
other covered peril. But we'll cover di-
rect loss by fire resulting from nuclear
reaction, nuclear radiation or radioactive
contamination if the loss would otherwise
be covered under this agreement.
War and government seizure. We won't
cover loss caused by: War (declared or
undeclared). Invasion. I nsu rrection.
Rebellion. Revolution. Civil war. Or sei-
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zure of power. Or anything to hinder or
defend against these actions.
We won't cover seizu re or destruction of
your property under quarantine or Cus-
toms regulations, or confiscation by any
government or publ ic authority. Illegal
transportation or trade isn't covered.
Rules For Loss Adjustment
When a loss occurs, we'll consider the fol-
lowing factors in determining what we'll
pay:
1. How You r Property is Val ued.
2. Deductible
3. Coinsurance Rule
4. Other Insurance.
We may take over any of the damaged or
destroyed property at its agreed or ap-
praised value. Or we can choose to
repair, rebuild or replace the property
ourselves provided we give you notice
with in 30 days after we get you r proof of
loss. But you agree that you won't merely
abandon th is property to us.
1. How Your Property Is Valued
The Coverage Summary indicates whether
property is insured on actual cash value
or replacement cost basis.
Property insured for actual cash value.
We'll pay the smallest of the following:
-the actual cash val ue of the lost or dam-
aged property at the time of loss;
-the amount it would cost to repair or re-
place the property with similar kind or
qual ity; or
-the I imit of coverage that appl ies to the
property.
Property insured for replacement cost.
We'll pay the cost of repairing or replac-
ing the damaged property without de-
duction for depreciation. But we won't
pay more than the smallest of the follow-
Ing:
42300 Ed.l0-82 Printed in U.S.A.* Insuring Agreement 1
@SLPaul Fire and Marine Insurance Co. 1982
Page 11 of 16
Property Coverage
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1. the I imit of coverage that appl ies to
the property.
2. the amount you actually spend in re-
pairing or replacing the property with
property of similar kind and qual ity; or
3. the amount it would cost to replace the
damaged item at the time of the loss with
property of similar kind and quality to be
used for the same pu rpose on the same
site.
You don't have to replace property on the
same site. But we won't pay on a replace-
ment cost basis until property has actual-
ly been replaced.
If your coverage is written for replace-
ment cost, you can choose to have your
loss figured according to the replacement
cost or the actual cash value of the prop-
erty. And, even if you fi rst choose to
have your loss figured on an actual cash
value basis, you can change your mind by
letting us know in writing within 180 days
from the time of the loss.
Property not covered for replacement
cost. Even if replacement cost coverage
is indicated, we won't cover the following
property for replacement cost. Of course,
this property is still covered for actual
cash value.
.We won't cover the replacement cost of
merchandise - goods you sell but don't
manufacture yourself.
.We won't cover the replacement cost of
property belonging to others.
.We won't cover the replacement cost of
household fu rn itu re and other residential
contElflts.
.We won't cover the replacement cost of
property whose val ue is derived from its
age, rarity or artistic merit such as man-
uscript, painting, tapestry, rare book or
antique.
.We won't cover the cost of replacing
stock whether it's raw, in process or fin-
ished. Nor will we cover materials and
supplies you use in connection with the
manufactu ring process.
Raw stock means material as you receive
it for processing.
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Stock in progress has undergone some
manufactu ring procedu re, but is not yet
fin ished.
Finished stock is your manufactured pro-
duct when it's ready for packing, ship-
ment or sale.
Rules for valuing special property. The
following special rules apply for setting a
value on your stock, improvements and
val uabl e records.
Setting a value on stock. We'll consider
the value of your stock that's sold but
not delivered to be the price at which it
was sold. That price is reduced by any
discounts given and any expenses that
haven't actually been incurred.
Setting a value on improvements. We ex-
plain what improvements are covered on
page 1. If you're a tenant you may repai r
or replace a damaged improvement at you r
own expense. If you do so within a rea-
sonable time, we'll figure the value of the
improvement at actual cash value or re-
placement cost, whichever is indicated in
the Coverage Summary.
But if the damaged improvement isn't re-
paired or replaced within a reasonable
time, we'll figure its value differently.
We'll take the original cost of the im-
provement and multiply that by a
fraction. The fraction is obtained by di-
viding the amount of time left on your
lease when the loss occurred by the
amount of time left when the improvement
was originally made.
Original
cost X
Remainder of
lease when
loss occu rred
Val ue of
= Improvement
Remainder of
lease when
improvement made
For example:
You make a $5,000 improvement on your
office one year before your lease expires,
Six months later it's destroyed. If you
don't repair it wihin a reasonable time.
Page 12 of 16
@St. Paul Fire and Marine Insurance Co.1982
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we'll consider the improvement's value to
be:
6 months
$5,000 X = $2,500
12 months
Setting a value on records. We'll consid-
er the value of data processing media to
be no more than the cost of blank materi-
als.
We'll consider the value of computer pro-
grams to be no more than the cost of la-
bor you incu re for transcribing or
copying them.
We'll consider the val ue of other records,
account books, manuscripts, abstracts,
drawings or card systems to be no more
than the cost of blank material plus labor
you incur in transcribing or copying
them.
See "Val uable records research coverage"
on page 4 for research and other expense
coverage.
2. Deductible
You'll be responsible for the first $100 of
each loss. We'll pay the rest of you r cov-
ered loss up to the I imits of coverage.
We'll apply this deductible separately to:
-Each insured building including any bu-
siness contents inside;
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-Business contents covered under this
agreement that are damaged or destroyed
while in a building not insured under this
ag reement.
- Business contents In the open or in a
vehicle; or
-Each covered outdoor sign, including
those attached to the bu ilding.
But the total deductible won't exceed
$1,000 for anyone event.
This deductible won't apply to business
interruption insurance or such coverages
as extra expense, tuition fees, or loss of
rent.
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3. Coinsurance Rule
This coinsurance rule only applies if the
Coverage Summary shows a coinsurance
percentage for the covered property.
If a percentage is shown, you agree to
insure your property for a minimum
amount. In return, we agree to reduce
the premium that would otherwise apply to
you r property.
What's the minimum amount? It's the ac-
tual cash value or replacement cost of
your property, whichever is indicated in
the Coverage Summary, multipl ied by the
appl icable coinsurance percentage. If
your insurance under this agreement in-
cludes more than one limit of coverage,
we'll apply this coinsurance rule separate-
ly to the property covered under each
limit.
Special rule for building losses less than
$2,500. At the time of the loss if you
have the minimum amount needed for ac-
tual cash value, we'll pay building losses
less then $2,500 on the replacement cost
basis. This applies whether your building
is insured for actual cash value or re-
pi acement cost. Of cou rse you'll be re-
sponsible for the deductible.
Coverage on actual cash value basis. If
actual cash value is indicated, we'll use
the actual cash value of all property in-
sured under the same limit of coverage in
figuring the minimum amount. For exam-
ple:
ACV of building
at time of loss
(including building items)
Coinsurance percentage
( 8090)
$100,000
"
X .80
Minimum amount you
agree to insure
$80,000
42300 Ed.l0-82 Printed in U.S.A.* Insuring Agreement 1
@St.Paul Fire and Marine Insurance Co.1982
Page 13 of 16
Property Coverage
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Coverage on replacement cost basis.
However, if replacement cost is indicated,
we'll figure the minimum amount different-
ly:
-First we'll figure the actual cash value,
at the time of loss, of all property not
covered for replacement cost but that's
incl uded in the same I imit of coverage as
property that is covered for replacement
cost. This includes property like mer-
chandise or household furniture listed in
the Property Not Covered for Replacement
cost section.
-Next, we'll add the replacement cost, at
the time of loss, of all property covered
for replacement cost that's included in the
same limit of coverage. We'll use the full
replacement cost at the time a loss occurs
without deducti ng depreciation.
-Then we'll multiply the total by the ap-
plicable coinsurance percentage. This will
determine the minimum amount of insur-
ance you'll need for replacement cost cov-
erage. For example:
ACV of merchandise
Replacement cost building
$10,000
$90,000
$100,000
X .90
Coinsurance percentage (90%)
Minimum insurance needed for
replacement cost coverage
$90,000
From these examples you can see how you
may need a higher amount of insurance
for replacement cost coverage. Because
property values change, we'll figure the
minimum amount at the time a loss occurs.
Therefore, it's important for you to re-
view the amount of your insurance
periodically to be sure you're living up to
this agreement. We won't count the value
of property covered under your Addi-
tional Benefits or the cost of debris
removal in figuring your minimum amount.
How the rule works. If at the time of loss
your property is insured for the minimum
amount or more, this coinsurance rule
won't have any effect on what we'll pay.
However, if your property is insured for
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less than the minimum amount at the time
of loss, you'll have to share your loss
with us. Here's how we'll determine what
we'll pay and what your share will be:
First, the amount of your insured loss
less the deductible will be determined.
Then we'll divide the amount of insurance
you had on your property by the minimum
amount you should have had. Next, we'll
multiply this result by 100 to convert it to
a percentage. We'll pay this percentage of
your loss up to the limits of coverage or
.100% of the loss, whichever is less. The
rest is your share. Here's an example of
how it works:
Amount of your loss
Amount of insurance you had
Minimum amount you
should have had
$40,000
$60,000
$80,000
$60,000
$80,000
= .75 X 100 = 75%
$75% of $40,000 = $30,000
We'll pay $30,000 of your loss. The re-
maining $10,000 is your share.
From this example you can see that it's
important to keep your property insured
for at least the coinsurance percentage
you agreed to. Otherwise we may pay on-
ly a part of your loss.
Inventory, Normally, you'll have to make
a special inventory or appraisal of undam-
aged property. But we won't require it if
you r total claim for loss is less than
$10,000 and less than 596 of the total
amount of insurance you have covering
the damaged property.
4. Other Insurance
Other insurance may be available to cover
you r loss. If so, we'll pay the amount of
your loss that's left after the other insur-
ance has been used up, less the deduct-
ible. But we won't pay more than the
applicable limit of coverage under this
ag reement.
Page 14 of 16
@St. Paul Fire and Marine Insurance Co.1982
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Insurance For Your Benefit
This insurance is for your benefit. No
third party having temporary possession
of your property, such as a transporta-
tion company, can benefit directly or in-
directly from it.
Adjusting Losses
If ther~'s a covered loss to your
property, we will, of course, adjust the
loss with you. If there's a covered loss to
someone else's property, we'll adjust the
loss with you for the owner's account.
Or, we can choose to settle directly with
the owner. If we settle with the owner,
the owner's release will satisfy any claim
you ma ke for the same loss.
Who We'll Pay For Loss To Business
Contents
If the Coverage Summary identifies a per-
son or organization to receive payments
for loss to business contents, we'll adjust
the loss with you. However, payment will
be made to you and the person or organ-
ization named, based on the financial in-
terest each has in the covered property.
If Your Building Is Mortgaged
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If the Coverage Summary identifies a
mortgage holder, th is section appl ies.
We'll make payments for losses to you and
any mortgage holder based on the interest
each has in the covered property.
Rights of mort!lage holder. A mortgage
holder's right to receive payment won't be
affected by any of the following:
-Your actions or inactions, or those of
the bu ilding's owner;
-Foreclosure or other similar proceedings;
-Changes in title, or -
-Use of the building for a more hazardous
purpose than allowed by this agreement.
If you fail to make a claim for a loss to
your building, your mortgage holder can
make a claim by submitting a "Proof Of
Loss Statement." The same rules and con-
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ditions that apply to you will apply to the
mortgage holder.
Duties of mortgage holder. Your mort-
gage holder must notify us upon learning
that the insured building is being used
for a purpose that increases the risk of
damage. Your mortgage holder must also
inform us upon learning that the building
is being sold or that there's a change in
occupancy.
If you fail to pay any premium when due,
we can request payment from the mort-
gage holder. We may also ask your mort-
gage holder to pay any extra premiums we
require because the building is being
used for more hazardous activities. If the
mortgage holder chooses not to pay this
extra premium, coverage will end.
Transfer of mortgage holder's right to
us. If we make a payment to your mort-
gage holder for loss or damage that we
claim isn't covered by this agreement the
mortgage holder's rights to recover that
amount from you will than belong to us.
But that won't affect your mortgage hold-
er's rights to recover the remaining
amount of the mortgage debt from you.
We also have the right to payoff the
mortgage debt. If we do, we'll take over
the mortgage holder's right to be repaid
by you.
Cancellation notice to mortgage holder. If
we cancel this agreement, we'll mail or de-
liver a cancellation notice to your mort-
gage holder at least 30 days before
coverage ends - 10 days if we cancel for
non-payment of premium.
Other Rules For This Agreement
Maintaining your coverage. You should
keep your building and property in as
safe a condition as possible. If you are
aware of a condition under you r control
that increases the ris k of loss, you
should do all you can do to reduce the
hazard.
However, your coverage won't be affected
by increased hazard or by a change in
the use of the property. Nor will it be af-
42300 Ed.l0-82 Printed in U.S.A.* Insuring Agreement 1
@St.Paul Fire and Marine Insurance Co.1982
Page 15 of 16
Property Coverage
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fected by the action or inaction of the
owner or occupant of a covered building
over wh ich you have no control.
Protective safeguards. You must maintain
any protective safeguards under your
control that were described in the Protec-
tive Safeguards Endorsement. We gave
you credit for these safeguards in setting
our rates. If you fail to maintain these
safeguards, we won't be liable for losses
to the specifically affected areas. Howev-
er, your coverage will continue for other
areas.
Unoccupied or vacant building. We won't
cover losses that occur while the building
is unoccupied for more than 60 consec-
utive days. Your building is unoccupied
if the contents remain but the building's
usual activity is suspended. You may buy
an endorsement which extends the period
your building may be unoccupied.
Your coverage won't be affected when you
leave a building unoccupied if it's normal
for the building's use. For example, un-
occupancy is normal when a school closes
for the summer recess or a seasonal re-
sort shuts down du ring the off-season.
Your building is vacant if usual activity
is suspended and it doesn't contain the
business contents normally used there.
We won't consider buildings under con-
struction to be vacant. If a building is
vacant, we'll reduce our payment for cov-
ered losses by 15% for a loss that occu rs
after the fi rst60 consecutive days of va-
cancy. You may buy an endorsement
which extends the period your building
may be vacant. If you do, the 15% penalty
does not apply du ri ng that PEViod.
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Neither vandal ism nor sprin kler lea kage
losses are covered after 60 consecutive
days of either vacancy or unoccupancy.
Construction or repairs. You may make
additions, alterations or repairs to cov-
ered property without notifying us be-
forehand.
You must maintain an automatic sprinkler
system if you've agreed to do so. You al-
so agree to tell us if you make any addi-
tions without sprinklers to a building that
has sprinklers.
Preserving your rights. You must do all
you can to preserve any rights you have
to recover your loss from others. If you
do anything to impair these rights, we
won't pay for you r loss.
Before a loss occurs, you can give anyone
a written release from any responsibil ity
for losses to property. You can also ac-
cept ordinary bills of lading from a ship-
per, even if they limit the carrier's
I iabil ity for losses. But after a loss you
can release only:
-You r tenant;
-Another person covered under this poli-
cy; or
-Any firm or organization that you own or
control or that owns or controls you.
Repairs after loss. When a covered loss
occu rs, you must ma ke any reasonable
and necessary repairs to protect your
property from further damage. Keep an
accu rate record of the necessa ry ex-
penses. The cost of repairs made neces-
sary by loss from a covered peril will be
incl uded in determin ing you r covered
loss.
Page 16 of 16
@St. Paul Fire and Marine Insurance Co.1982
Standard Fire
Supplement
PyliCy
This supplement provides policy language required
by law in your state.
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What This Supplement Does
This agreement together with the General Rules and
the What To Do If You Have A Loss page contains
the terms of the Standard Fire Policy. However,
some states require all or part of the Standard Fire
Policy language to be included in any policy
providing fire insurance. Because this policy covers
property located in one of these states we have
attached this supplement to provide the legally
required language.
How this affects your coverage. If the terms of
the Standard Fire Policy should be interpreted as
being more favorable than this agreement, you'll
get the benefit of the more favorable interpretation.
But this only applies to insurance against loss.or
damage by fire, lightning or removal from premises
endangered by fire or lightning.
Standard Fire Policy Language
IN CONSIDERATION OF THE PROVISIONS AND STIPULATIONS HEREI!'\: OR ADDED HERETO AND OF the premium, this
Company. for the term of years from inception date at 12: 01 a.m. IStandard Time} to expiration date at 12:01 a.m. (Standard Time) at
location of property involved, to an amount not exceeding the amount(sl specified in the Declarations, does insure the named insured In
the Declarations and legal representatives. to the extent of the actual cash value of the property at the time of loss. but not exceeding the
amount which it would cost to repair or replace the property with material of like kind and quality within a reasonable time after such
loss, without allowance for any increased cost of repair or reconstruction by reason of any ordinance or law regulating construction or
repair, and without compensation for loss resulting from interruption of business or manufacture, nor in any event for more than the
interest of the insured, against all DIRECT LOSS BY FIRE, LIGHTNING AND BY REMOVAL FROM PREMISES ENDANGERED BY
THE PERILS INSURED AGAINST IN THIS POLICY, EXCEPT AS HEREINAFTER PROVIDED, to the property described herein
while located or contained as described in this policy, or pro rata for five days at each proper place to which any of the property shall
necessarily be removed for preservation from the perilS insured against in this policy, but not elsewhere.
Assignment of this policy shall not be valid except with the written consent of this Company.
This policy is made and accepted subject to the foregoing provisions and stipulations and those hereinafter stated, which are hereby
made a part of this policy, together with such other provisions, stipulations and agreements as may be added hereto. as provided in
th is pol icy.
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1 Concealment, This entire policy shall be void if, whether
2 fraud. before or after a loss, the insured has wil-
3 fully concealed or misrepresented any ma-
4 terial fact or circumstance concerning this insurance or the
5 subject thereof. or the interest of the insured therein, or in case
6 of any fraud or false swearing by the insured relating thereto.
7 Uninsurable This policy shall not cover accounts. bills,
8 and currency, deeds. eVidences of debt. money or
9 excepted property. securities; nor, unless specifically named
10 hereon in writing, bullion or manuscripts.
11 Perils not This Company shali not be liable for loss by
12 included. fire or other penis Insured against In this
13 policy caused. directly or Indirectly. by: lal
14 enemy attack by armed forces, Including action taken by mdi.
15 tary. naval or air forces in resisting an actual or an immediately
16 impending enemy attack; Ibl Invasion; lei insurrection; Id)
17 rebellion; lei revolution; III clv,1 war;lplg) usurped power; Ihl
, 8 order of any civil authority except acts of destruction at the t.me
1 9 of and for the purpose of preventing the spread of fire, provided
20 that such fire did not originate from any of the perils excluded
21 by this policy; 111 neglect of the insured to use all reasonable
22 means to save and preserve the property at and after a loss, or
23 when the property IS endangered by fire in neighboring premo
24 ises; Ijl nor shall thiS Company be liable for loss by theft.
25 Other Insurance. Other insurance may be prohibited or the
26 amount of insurance may be limited by en-
27 dorsement attached hereto.
28 Conditions suspending or restricting insurance. Unless other-
29 wise provided in writing added hereto this Company shall not
30 be liable for loss occurring
31 la) while the hazard is Increased by any means Within the con-
32 trol or knowledge of the insured; or
33 Ib} while a described building, whether intended for occupancy
34 by owner or tenant, is vacant or unoccupied beyond a period of
35 si xty consecutive days; or
36 (e) as a result of explosion or riot, unless fire ensues, and in
37 that event for loss by fire only.
38 Other perils Any other peril to be insured against or sub-
39 or subjects. ject of insurance to be covered in this policy
40 shall be by endorsement in writing hereon or
41 added hereto.
42 Added provisions. The extent of the application of insurance
43 under thiS policy and of the contribution to
44 be made by this Company in case of loss, and any other pro-
45 vision or agreement not inconsistent with the provisions of this
46 policy. may be provided for in writing added hereto. but no pro-
47 Vision may be waived except such as by the terms of this pOlicy
48 is subject to change.
49 Waiver No permission affecting this insurance shall
50 provisions, exist, or waiver of any pravis'ion be val id,
51 unless granted herein or expressed in writing
52 added hereto. No prOVISion, stipulation or forfeiture shall be
53 held to be waived by any requirement or proceeding on the part
54 of thiS Company relating to appraisal or to any examination
55 provided for herein.
56 Cancellation This policy shall be cancelled at any time
57 of policy. at the request of the insured, in which case
58 thiS Company shall, upon demand and sur-
59 render of this policy, refund the excess of paid premium above
60 the customary short rates for the expired time. This poi-
61 icy may be cancelled at any time by this Company by g,v"'g
62 to the Insured a five days' written notice of C.1ncellatlon with
63 or without tender of the excess of paid premium above the pro
64 rata premium for the expired time, which excess, If not ten-
65 de red shall be refunded on demand. Notice of cancellation shall
66 state' that said excess premium (if. not tendered) will be re-
67 funded on demand.
68 Mortgagee If loss hereunder is made payable, in whole
69 interests and or in part, to a designated mortgagee not
70 obligations. named herein as the insured, such interest m
71 this poliCY may be cancelled by giving to such
72 mortgagee a ten days' written notice of can-
73 cellation.
74 If the Insured fads to render proof of loss such mortgagee, upon
75 notice, shall renuer proof of loss in the form herein speCified
76 Within sixty 1601 days thereafter and shall be subject to the pro-
77 visions hereof relating to appraisal and time of payment and of
78 bringing suit. If this Company shall claim that no liability ex-
79 isted as to the mortgagor or owner, it shall, to the extent of pav.
80 ment of loss to the mortgagee, be subrogated to all the mort.
81 gagee's rights of recovery. but without impairing mortgagee's
82 right to sue; or it may payoff the mortgage debt and requ,re
42048 Rev. 1-83 Printed In U.S.A.
Supplement to Property Protection Agreement.
Page 1 of 2.
Property Coverage.
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83 an assignmei thereof and of the mortgage. Other provisions
84 relating to the interests and obligations of such mortgagee may
85 be added hereto by agreement in writing.
86 Pro rata liability, This Company shall not be liable for a greater
87 proportion of any loss than the amount
88 hereby insured shall bear to the, whole insurance covering the
89 property a9ainst the peril involved. whether collectible or not.
90 Requirements in The insured shall' give immediate written
91 case loss occurs. notice to this Company of any loss, protect
92 the property from further damage. forthWith
93 separate the damaged and undamaged personal property, put
94 it in the best possible order, furnish a complete inventory of
95 the destroyed. damaged and undamaged property, showing in
96 detail quantities. costs. actual cash value and amount of loss
97 claimed; and within sixty days after the loss, unless such time
98 is extended in writing by this Company, the insured shall render
99 to this Company a proof of loss. signed and sworn to by the
100 insured. stating the knowledge and belief of the insured as to
101 the following: the time and origin of the loss. the interest of the
102 insured and of all others in the property. the actual cash value of
103 each item thereof and the amount ,of loss thereto. all encum.
104 brances thereon, all other contracts of insurance. whether valid
105 or not. covering any of said property, any changes in the title,
106 use. occupation, location, possession or exposures of said prop.
107 erty since the issuing of this policy. by whom and for what
108 purpose any building herein described and the several parts
109 thereof were occupied at the time of loss and whether or not it
110 then stood on leased ground. and shall furnish a copy of all the
111 descriptions and schedules in all policies and, if required. verified
112 plans and specifications of any building, fixtures or machinery
113 destroyed or dama9ed. The insured, as often as may be reason.
114 ably required, shall exhibit to any person designated by this
115 Company all that remains of any property herein described. and
116 submit to examinations under oath by any person named by this
117 Company. and subscribe the same; and, as often as may be
118 reasonably required. shall produce for examination all books of
119 account. bills. invoices and other vouchers. or certified copies
120 thereof if originals be lost. at such reasonable time and place as
121 may be designated by this Company or its representative. and
122 shall permit extracts and copies thereof to be made.
123 Appraisal. In case the insured and this Company shall
124 fail to agree as to the actual cash value or
Includes Standard Fire Insurance Policy for Missouri.
Other fire insurance is prohibited in the state of Missouri.
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125 the amount of loss, then, on the written demand of either, each
126 shall select a competent and. disinterested appraiser and notify
127 the other of the appraiser selected within twentY days of such
128 demand. The appraisers shall first select a competent and dis.
129 interested umpire; and failin9 for fifteen days to agree upon
130 such umpire, then. on request of the insured or this Company.
131 such umpire shall be selected by a judge 01 a court 01 record in
132 the state in which the property oovered is located. The ap.
133 praisers shall then appraise the loss, stating separately actual
134 cash value and loss to each item; and. lailing to agree. shall
135 submit their dilferences. only, to the umpire. M award in writ.
136 ing. so itemized, of any two when filed with this Company shall
137 determine the amount 01 actual cash value and loss. Each
138 appraiser shall be paid by the party selecting him and the ex-
139 penses 01 appraisal and umpire shall be paid by the parties
140 equally.
141 Company's
142 options.
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147
148
149
150 When loss
151 payable.
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154
155
156
157
158
159
160
161
162
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164 any party lor loss
165 by this Company.
It shall be optional with this Company to
take all. or any part. 01 the property at the
agreed or appraised value, and also to reo
pair, rebuild or replace the property destroyed or damaged with
other of like kind and quality within a reasonable time. on giv-
ing notice of its intention so to do within thirty days alter the
receipt of the proof of loss herein required.
Abandonment. There can be no abandonment to this Com-
pany of any property.
The amount of loss for which this Company
may be liable shall be payable sixty days
alter proof 01 loss. as herein provided, is
received by this Company and ascertainment of the loss is made
either by agreement between the insured and this Company ex-
pressed in writing or by the filing with this Company of an
award as herein provided.
Suit. No suit or action on this policy lor the recOV-
ery of any claim shall be sustainable in any
court of law or equity unless all the requirements 01 this policy
shall have been complied with. and unless commenced within
twelve months next after inception of the loss.
Subrogation. This Company may require Irom the insured
an assignment 01 all right 01 recovery against
to the extent that payment therefor is made
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STATE
EXCEPTIONS
FLORIDA and WISCONSIN: The words "five days' " in line 62 of the provisions hereinafter are changed
to "ten days' ".
IDAHO: The words "five days' " in line 62 of the provisions hereinafter are changed to "twenty days' ".
KANSAS: The words "demand and" in line 58 and "on demand" in lines 65 and 67 of the provisions
hereinafter are deleted. The words "twelve months" in line 161 of the provisions hereinafter are changed
to "sixty months".
MAINE: The words "five days' " in line 62 and "twelve months" in line 161 of the provisions herein-
after, are changed to "ten days' "and "twenty-four months" respectively.
MICHIGAN: Following line 156, the following is added:
If a municipality has elected to apply the provisions of Michigan Public Act 495 of 1980, a part of this
Company's payment for fire or explosion loss to insured real property in that municipality will be with-
held in the event that the loss is subject to the provisions of the act. The withheld amount will be paid
either to the municipality or to the named insured, and Mortgagee. if any, according to the provisions of
Public Act 495. This Company will notify the named insured. any Mortgagee and the municipal ity of any
loss subject to the provisions of Public Act 495.
MICHIGAN and NEW HAMPSHIRE: The time of inception and the time of expiration of this policy
shall be 12:00 Noon Standard Time.
MISSOURI: Lines 60-67 are deleted and replaced by the following:
This policy may be cancelled, not renewed. reduced in amount, or adverse~ modified at any time by
the company giving to the insured thirty (30) days written notice of such action with or without tender
of the excess of paid premium above the pro rata premium for the expired time, which excess, if not
tendered, shall be refunded on demand, Only ten (10) days notice is required where such action is based
upon non-payment of premium or evidence of incendiarism by the insured."
Lines 141 through 147 are deleted and replaced by the following:
Upon partial destruction or damage to insured property, this company shall pay the insured a sum of
money equal to the damage done or repair the same to the extent of such damage, not exceeding the
amount written in the policy, so that said property shall be in as good condition as before the fire, at
the option of the insured, pursuant to section 379.150 RSMo (1969)."
NEW JERSEY and MICHIGAN: The words "sixty days" in line 151 of the numbered line provisions
are changed to "thirty days".
NORTH CAROLINA: The line designated 161 is amended by deleting the words "twelve months"
appearing therein and inserting in lieu thereof the words "three years".
NORTH DAKOTA: The words "twelve months" in line 161 of the provisions hereinafter. are changed
to "thirty-six months".
WYOMING: The words "sixty days' " in line 151 of the numbered line provisions are changed to "forty-five
days' ". The words "twelve months" in line 161 of the provisions hereinafter are chan<Jed to "four years".
Page 2 of 2.
Automatic Incr~ase In
Insurance Endotsement
This endorsement changes your
!Xl Multicover Property Protection
o Compact Property Protection
o Condominium Property Protection
o
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How Your Coverage Is Changed
The limits of your coverage under your Property
Protection agreement are increased by the
percentage shown below. Unless specific items are
listed, this endorsement applies to all property for
which a percentage is shown. If specific items are
listed, the increase applies only to those items.
How Your Insurance Is Increased
At the end of every three months after your
agreement takes effect, we'll increase your
insurance by the following percentage of the
limits shown in the Coverage Summary.
% for Building coverage
2 % for Business CQntents coverage
% for all Covered Property
Specific Items
Item Description
number of covered Property
For example, your coverage for buildings is
$50,000 and your increase percentage is 2% of
your buildings coverage. At the end of each
three-month period your coverage will increase by
2% of $50,000 - ot $1,000. So after three
months, your buildings coverage will increase to
$51,000, after six months to $52,000 and so on.
These percentages apply only to the limits of your
coverage shown in the Coverage Summary and not
to the increases you're given under
this endorsement.
Other Terms
All other terms of your policy remain the same.
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If we issue this endorsement after the date
your policy t2kes effect, we must complete these
spaces and our representative must sign below.
Authorized representative
'(A)
'to
42009 Ed. 1-80 Printed in U.S.A.
tlSl. Paul Fire and Marine Insurance CompaClY. 1980.
Pol icy issued to
Andprson 3d" Crllises. Inc.
Endorsement takes effect
1 J. - :11- 83
Policy number
G 8 ') ~\13 5 3 2 5
Endorsement 'number -1-to I nsuring Agreement~.
Page 1 of 1.
Propertv Coverage.
General Liability
Coverage Surrfnary
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.
KJ Single limit applies.
$ 1,000,000.00
Combined
single limit
o Separate limits apply.
For bodily injury claims:
$
$
Each accidental
event limit
Total limit
For property damage claims:
$
$
Each accidental
event limit
Total limit
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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
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If issued after the date your policy begins, these
spaces must be completed and our representative
must sign below.
Authorized representative
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43059 Ed. 10-81 Printed in U.S.A..
&L
'C;;St. Paul Fire and Marine Insurance Company. 1981.
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Property Damage Deductible
o If this box is checked, the deductible in your
agreement appl ies.
$
per claim
o If this box is checked, see separate liability
deductible endorsement.
Premium Adjustment Endorsement
IXIlf this box is checked, the Premium
Adjustment Endorsement appl ies.
General Liability Broadening
Endorsement
o Does not apply.
~ Applies. See the attached endorsement.
o 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.
Policy issued to
Anderson BAY Cruises, Ine.
Coverage ta kes effect
:11-:1.:1-83
Policy Number
68SNB5325
Coverage Summary.
Page 1 of 1.
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Comprehensive General
Liability Protection
We've designed this agreement to protect against
two kinds of liability claims:
1. Claims resulting from bodily injury to others.
2. Claims resulting from damage to other
people's property.
Of course there are some limitations which are
explained later in this agreement.
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Table Of Contents
What This Agreement Covers
Who Is Protected Under This Agreement
Financial Responsibility Laws
Where We Cover
Limits Of Coverage
Property Damage Deductible
Exclusions - Claims We Won't Cover
Optional Exclusions
Other Insurance
Page
1
1
2
2
2
3
3
6
6
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What This Agreement Covers
This agreement covers the type of claim - Bodily
Injury or Property Damage - for which a limit is
shown in the Coverage Summary. We'll pay amounts
you and others protected under this agreement are
legally required to pay as damages for a covered
bodily injury or property damage claim resulting
from an accidental event.
Bodily injury means any physical harm to a person's
health including sickness or disease that happens
while this agreement is in effect. If a bodily injury
is covered, we'll cover damages for care, loss of
services or death resulting from the injury.
Property damage means any damage to tangible
property of others that happens while this
agreement is in effect. This includes loss of use of
the damaged property resulting from the damage.
Property damage also includes loss of use of others'
property that hasn't been physically damaged if
caused by an accidental event that happens while
th is agreement is in effect.
Injury or damage. When we say "injury or damage"
we mean bodily injury or property damage.
Accidental event means any event that results in
bodily injury or property damage that the
protected person didn't expect or intend to happen.
Additional benefits. All the following benefits are
in addition to the limits of coverage.
Defending lawsuits. We'll defend any suit brought
against you or any other protected person for
covered claims, even if the suit is groundless or
fraudulent. We have the right to investigate,
negotiate and settle any suit or claim if we believe
that is proper. We'll pay all costs of defending the
suit, including interest on that part of any
judgment that doesn't exceed the limit of coverage
that applies. But we won't defend a suit or pay a
claim after the limit of coverage has been used up
in paying judgments or settlements.
Legal bonds. We'll pay premiums for appeal bonds,
or bonds to release property that's being used to
secure a legal obligation, that are required in a suit
we defend. However, we'll only pay for bonds
valued up to the limit of coverage that applies and
we have no obligation to apply for or furnish
these bonds.
Expenses related to defense. We'll also pay all
reasonable costs that you or any protected person
incur at our request while helping us investigate or
defend a claim or suit. This includes up to $50.00
per day for actual loss of earnings. For example, if
someone sues you, we may ask you to be a witness
in a trial. If you lose earnings as a result, we'll pay
Lip to $50.00 per day for earnings you actually lose.
First aid. We'll pay the cost of first aid given to an
injured person if the injury is covered under
this agreement.
Who Is Protected Under This Agreement
Besides you, certain other persons are protected
~der th is agreement. Some are protected because
of how your business is owned: by an individual,
partnership or joint venture, or other organization
such as a corporation. Others are protected
regardless of how it's owned: real estate managers
and mobile equipment operators.
I ndividual. If th is pol icy is in you r name as an
individual, you and your spouse are protected
against claims resulting from conducting your
business as a sole proprietor.
43000 Ed. 10-81 Printed in U.S.A,
Page 1 of 7.
Liability Coverage.
~St. Paul Fire and Marine Insurance Company. 1981.
Insuring Agreement 36.
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Partnership. If this policy is in the name of a
partnership or joint venture, that organization is
protected. Individual partners or co-venturers are
also protected for their liability as members of
the named organization.
Corporation. If this policy is in the name of a
corporation, or some other type of organization,
its executive officers, directors and stockholders
are protected while they're acting within the scope
of their duties for the named organization.
Real estate manager. Any organization or person,
other than one of your employees, is protected
while acting as a real estate manager for you.
Mobile equipment operators. Your business may
use mobile equipment registered under a motor
vehicle registration law on public roads.
If so, your employees are protected while operating
such mobile equipment within the scope of their
duties for you.
Other persons are protected only whi Ie they
operate mobile equipment registered to you with
your permission. Any person or organization
legally responsible for these operators is protected
too. But this protection won't apply if other valid
and collectible insurance is available to cover
their liability.
There are other limits on this protection for
mobile equipmentoperators. They are not
protected for:
oinjuries to fellow employees while on the job; or
· damage to property owned, rented or controlled
by you or the employer of anyone you let use
your equipment.
We explain what we mean by mobile equipment
on page 5.
Financial Responsibility Laws
If this agreement is certified by us as proof of
financial responsibility for the future under any
motor vehicle financial responsibility law, it will
comply with the law to the extent of the required
protection. If we make any payment that isn't
required by any other part of this agreement but
is required by a financial responsibility law,you
agree to reimburse us for that payment.
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Where We Cover
We cover accidental events that take place in the
United States of America, its territories or
possessions, Puerto Rico or Canada. And events
that happen in international waters or air space
that don't involve travel to or from any
other country.
We also cover accidental events that take place
anywhere in the world that are caused by one of
your products sold for use in the United States of
America or Canada. But we only cover such events
if the original suit for damages is brought within
either of these two countries.
Limits of Coverage
The coverage under this agreement may be subject
to a Combined Single Limit or to Separate Limits,
depending on which is shown in the Coverage
Summary. If the Combined Single Limit is shown, it
is the most we'll pay for the combined total of all
bodily injury and property damage claims that
result from anyone accidental event.
This same amount is also the combined total limit.
This means it's the most we'll pay for the combined
total of all bodily injury and property damage
claims that are subject to the total limit. How the
total limit works is explained below.
If Separate Limits are shown, two types of limits -
an accidental event limit and a total limit - apply
to the amount we'll pay. One pair of these limits
apply to bodily injury claims and another pair
apply to property damage claims.
Each accidental event limit. This is the most we'll
pay forall claims that result from anyone
accidental event. This limit applies no matter how
many persons protected under this agreement are
involved or how many claims are made.
We'll consider all injury and damage caused by
continuous or repeated expos~re to basically the
same conditions to be the result of one
accidental event.
Total limit. The total limit is the most we'll pay
for all claims resulting from all accidental events
that take place in a policy year. By policy year,
we mean each consecutive annual period of the
policy. If Separate Limits apply and a total limit is
left blank, that total limit is the same as the limit
for each accidental event or$50,OOO, whichever
IS more.
Page 2 of 7.
'~St. Paul Fire and Marine Insurance Company, 1981.
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The bodily injury total limit applies only to
claims described in the "Products - completed
work" section below. Of course, if the optional
"Products - completed work" exclusion applies,
there is no coverage for claims described in the
"Products - completed work" section.
The property damage total limit applies only to
claims described in the following 3 sections:
"Manufacturer - Contractor," "I ndependent
contractor" and "Products - completed work."
The property damage total limit applies separately
to each of these sections.
,. Manufacturer - Contractor. The total limit
applies to property damage claims resulting from
your activities as a manufacturer or contractor. This
includes claims related to the material you provide
or contractors' equ ipment you rent to others. The
total limit also applies to property damage for
which you've assumed liability under any contract
in connection with such activities. We'll apply the
total limit separately to each project away from
the prem ises you own or rent from others.
2. Independent contractor. The total limit applies
to claims for property damage resulting from work
done for you by independent contractors. This
includes damage that results from your direct
supervision of the work. The total limit also applies
to property damage for which you've assumed
liability under any contract in connection with such
work. But the total limit doesn't apply to a contract
for maintenance, repair or remodeling of a building
you own or rent. We'll apply the total limit
separately to each project away from prem ises you
own or rent from others.
3. Products - completed work. The total limits
apply to bodily injury and property damage that
happens aI/Jay from your premises and is caused by
your products, your completed work, or people
relying on statements or warranties you've made
about your products or completed work.
Your products mean any product or its container
which you or others using your name have
manufactured, sold, handled or distributed, if the
injury or damage occurs after you've given physical
possession of the product or container to others.
We won't consider a vehicle to be a container. We
won't consider items rented to others to be your
products. Nor will we consider your products to
include an item you haven't sold but which you
allow others to use - like a vending machine.
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Completed work means work you've completed,
had completed for you or abandoned. Completed
work includes the condition of a vehicle or cargo
when that condition is created by the loading or
unloading of the vehicle.
When we consider work to be completed. We'll
consider work to be completed at the earl iest of
the following, even though further service,
maintenance, correction, repair or replacement is
required because of a defect:
'When all work contracted to be done by you or on
your behalf has been finished.
'When all work to be done by you or on your behalf
at the site of the work which causes the injury or
damage has been finished.
'When the part of the work which causes the injury
or damage has been put to its intended use by
someone other than another contractor who is
working for a principal on the same project.
However, we won't consider uninstalled or
abandoned materials or tools to be completed work.
Nor will we consider any work done in connection
with transporting property - other than a condition
created by the loading or unloading of a vehicle -
to be completed work.
Property Damage Deductible
If a deductible is shown in the Coverage Summary,
you or another protected person will be responsible
up to that amount for each property damage claim.
We'll pay covered claims over the deductible amount
up to the Ii m i t of property damage coverage that
applies. We can pay the deductible to settle a claim.
I f we do, you agree to repay us as soon as we noti fy
you of the settlement.
You're responsible for $5,000 damage to Mr.
Green's property. Your deductible is $100. We pay
Mr. Green the $5,000 and notify you. You must
then pay us $100 for your deductible.
"
Exclusions-Claims We Won't Cover
Employment contracts. We won't cover liabilities
assumed under any contract or agreement between
you and your employees or their representative to
pay for bodily injuries your employees receive on
the job.
Architect, engineer or surveyor. We won't cover
:iability assumed under any contract or agreement
with architects, engineers or surveyors if the injury
or damage results from their performance of or
failure to perform any professional service.
43000 Ed. 10-81 Printed in U.S.A.
Page 3 of 7.
Liability Coverage.
"Sl. Paul Fire and Marine Insurance Company. 1981.
Insuring Agreement 36.
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There is one exception. This exclusion won't
apply when the giving of or the failure to give
directions or instructions by such architects,
engineers or surveyors, their employees or agents
is not the primary cause of the injury or damage.
Professional service includes the preparation or
approval of maps, plans, opinions, reports, surveys,
designs or specifications; and supervisory, inspection
or engineering services.
Public authorities. If you've contracted to do a
project for a public authority, we won't cover any
liability claim brought against you by someone not
a party to the contract if the claim is based on a
provision of that contract. But we will protect you
if you're sued by the public authority or by
someone else engaged in the project.
Employer's liability. We won't cover bodily injuries
received on the job by anyone employed by a
protected person. There is one exception. We'll
cover liability for such injuries assumed under any
contract or agreement that's not excluded in the
"Employment contracts," "Architect, engineers or
surveyor" or "Public authorities" exclusions above.
Workers' compensation. We won't cover obligations
that protected persons or their insurance companies
have under workers' compensation, unemployment
compensation, disability benefits or similar laws.
This exclusion applies whether or not the claim is
based on liability assumed under any contract
or agreement.
Product recall. We won't cover losses based on the
recall or withdrawal of your products from the
market for any reason. Nor will we cover losses
resulting from the recall or withdrawal of any
work you've completed or had completed for you
or of any item of which your products or work
forms a part.
This exclusion applies w~ether or not the claim is
based on liability assumed under any contract
or agreement.
Damage to your products or work. We won't cover
damage to your products caused by the product
itself or by any of its parts. Nor will we cover
damage to your work or work done for you that's
caused by the work itself or by materials or
equipment connected with it. For example, we
won't cover damage to an air conditioner that
results because you improperly installed it.
Page 4 of 7.
t St. Paul Fire and Marine Insurance Company. 1981.
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This exclusion applies whether or not the claim is
based on liability assumed under any contract
or agreement.
Business risk. We won't cover loss of use of tangible
property that hasn't been physically damaged when
the loss of use is caused by your failure to live up to
a contract or by the failure of your products or work
to live up to your promises. But we will cover loss
of use of tangible property of others that's caused
by sudden or accidental damage or destruction of
your products or work after they've been used by
another person. For example:
You supply a customer with a motor that is part of
a conveyor belt. You give a one-year warranty
against breakdown of the motor, It breaks down
after six months. Although the conveyor isn't
damaged, your customer has losses due to loss of
use of the belt. We won't cover this loss. However,
if the motor had suddenly caught fire, we would
cover your liability for the loss of use of the belt.
This exclusion applies whether or not the claim is
based on liability assumed under any contract
or agreement.
Pollution. We won't cover injury or damage caused
by the discharge, dispersal, release or escape of
pollutants such as:
. smoke, vapor, soot or fumes;
-acids, alkalis, toxic chemicals, liquids or gases; or
. waste material or other irritants or contaminants.
But this exclusion won't apply to sudden aCCidents
involving pollutants.
This exclusion applies whether or not the claim is
based on liability assumed under any contract
or agreement.
Liquor liability. We won't cover anyone in the
I iquor business - including companies or
corporations - against liabilities for violation of any
law or regulation concerning alcoholic beverages.
This includes those in the business of manufacturing,
distributing, selling or serving alcoholic beverages.
Nor will we cover them against liability claims for
selling, serving or giving away alcoholic beverages.
For example, claims for selling to a minor or
drunk patron.
Moreover, we won't cover claims for violation of
any alcoholic beverage law brought against any
protected persons who allow prem ises they own
or rent to be used by people in the liquor business.
This exclusion applies whether or not the claim is
based on liability assumed under any contract
or agreement.
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Control of property. We won't cover damage to
property you or any other protected persons own,
rent, occupy, use or physically control. Nor will we
be responsible for any damage to premises you've
sold or transferred to someone else. However, we'll
cover damage to property of others that you use or
control if you've assumed liability for it under a
written sidetrack agreement. We'll also cover damage
caused by an elevator on your premises to property
of others that you control. But we won't cover
damage to the elevator itself.
This exclusion applies whether or not the claim is
based on liability assumed under any contract
or agreement.
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Mobile equipment. We won't cover injury or
damage caused by mobile equipment while it's
being used in any:
· organized or prearranged race;
· speed contest, demolition contest or stunt; or
. in practice for such events.
This exclusion applies whether or not the claim is
based on liability assumed under any contract
or agreement.
Mobile equipment means the following types of
land vehicles:
. Those that don't have to be licensed.
· Those designed for use mainly off public roads.
· Those kept for use only on your premises or that
part of a road or other access adjacent to
your premises.
· Those used only to provide mobility for
permanently attached specialized equipment. For
example, these include well drilling rigs, power
cranes, concrete mixers that remain on a job site
and similar equipment.
. Special ized equipment like bu Ildozers, rollers,
graders, farm machinery and similar equipment.
Transporting mobile equipment. We won't cover
injury or damage caused by mobile equipment
while it's being transported by any auto that's
owned, operated, rented or borrowed by you or
any other protected person.
But this exclusion does not apply to liability
assumed under any contract or agreement.
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Snowmobiles. We won't cover injury or damage
due to the use of snowmobiles or snowmobile
trailers you or any other protected person own,
operate, rent or borrow. Nor will we cover any
snowmobile operated by any of your employees.
But this exclusion does not apply to liability
assumed under any contract or agreement.
Aircraft. We won't cover injury or damage due to
the ownership, maintenance, use, loading or
unloading of:
. any aircraft owned, operated, rented or borrowed
by any protected person; or
'any other aircraft operated by anyone in the
course of his or her employment by any
protected person.
But this exclusion does not apply to liability
assumed under any contract or agreement.
Autos. We won't cover injury or damage due to the
ownership, maintenance, use, loading or
unloading of:
.any auto owned, operated, rented or borrowed by
any protected person; or
. any other auto operated by anyone in the course of
his or her employment by any protected person.
But this exclusion does not apply to:
. the parking of autos on your premises or adjacent
access ways - provided the auto isn't owned, rented
or borrowed by any protected person; or
.to liability assumed under any contract or agreement.
Autos are cars, trucks, trailers and other land
vehicles designed for travel on public roads - but
not mobile equipment.
*What do we mean by loading or unloading? Loading
or unloading an auto means the handling of property
after it's moved from the place where it's accepted
for transportation by au'o - until it's unloaded and
set in the place where it's finally delivered. Here's
an example:
*You send a shipment from Dallas to Mr. Smith in
Detroit. We won't cover claims involving handling
of the property from the time the trucker first
moves it for shipment, while it's on the truck, and
until it's placed at the spot requested by Mr. Smith.
43000 Ed. 10-81 Printed in U.S.A.
Insuring Agreement 36.
Page 5 of 7.
Liabil ity Coverage.
@St. Paul Fire and Marine Insurance Company. 1981.
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*But loading or unloading an auto doesn't include
moving property by a mechanical device not
attached to the auto. For example, a forklift or a
conveyor. We won't consider a hand truck to be a
mechanical device.
*These paragraphs don't apply in New York.
Nuclear energy liability. We won't cover liability
for which you or other protected persons are
covered under a nuclear energy liability policy
issued by a group such as one of the following:
· The American Nuclear I nsu rers;
. The Mutual Atomic Energy Liability Underwriters; or
. The Nuclear I nsurance Association of Canada.
Nor will we cover a liability that would have been
covered by a policy of one of those groups if its
limit hadn't been used up.
We won't cover claims resulting from radioactive,
toxic, explosive or other hazardous properties of
nuclear material in any of these four situations: ,
1. You or other protected persons are requ ired by
law 1O maintain financial protection for nuclear
events. Or you or they are entitled, or would have
been entitled had this policy not been issued, to
indemnity for nuclear events from the
United States.
2. The injury or damage arises out of services or
materials you or any protected person furnish in
connection with the planning, construction,
maintenance, operation or use of a nuclear facility.
If the nuclear facility is in the United States of
America, its territories or possessions or Canada,
this paragraph applies only to damage to the
facility and any property at its site. Such damagE
includes all forms of radioactive contamination.
3. The nuclear material is located at, or at any time
discharges from, any nuclear facility that is owned
or operated by you or any protected person. Nor
will we cover such claims if the nuclear facility
owned by you or any protected person is
operated by othtirs.
4. The nuclear material is contained in spent fuel
or waste that you, any protected person, or others
acting for either, have at any time possessed,
transported or disposed of.
This exclusion applies whether or not the claim is
based on liability assumed under any contract
or agreement.
Nuclear material means source material, special
nuclear material or by-product material as defined
under the federal Atomic Energy Act.
Page 6 of 7.
1:':;1. Paul Fire and Marine Insurance Company. 1981.
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Nuclear facilities are any of the following: )
io Nuclear reactors.
· Enrichment plants.
. Fuel or spent fuel handling or processing plants.
. A location used for handling, storing or disposing
of nuclear waste.
. A location containing more than 25 grams of
plutonium or uranium 233 combined, or more than
250 grams of uranium 235.
Nuclear waste is waste from any of the first three
nuclear facilities named above which contains
by-product material. But we won't consider waste
to include tailings or other wastes from the
processing of ore to extract or concentrate uranium
or thorium to produce source material.
Spent fuel is any fuel element or component,
whether solid or liquid, which has been used or
exposed to rad iation in a nuclear reactor.
War. We won't cover any injury or damage caused
by: War (declared or undeclared). Invasion.
Insurrection. Rebellion. Revolution. Civil war. Or
seizure of power. Or by anything done to hinder or
defend these actions. This exclusion only applies to:
'Iiability assumed under a covered contract or
agreement; or to
'medical expenses under the "First aid" section of
"Additional benefits".
Optional Exclusions
The following exclusions apply when indicated in
the Coverage Summary.
Products - completed work exclusion. We won't
cover injury or damage that happens away from
your premises and is caused by any of the following:
'A product or its container which you or others using
your name have manufactured, sold, handled or
distributed, if the injury or damage occurs after
you've given physical possession of the product or
container to others. We won't consider a vehicle to
be a container. We won't consider items rented to
others to be your products. Nor will we consider
your products to includean item you haven't sold
but which you allow others to use - like a
vending machine.
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-Work you've completed, had completed for you or
abandoned. We explain "When we consider work
to be completed" on page 3. Completed work
includes the condition of a vehicle or its cargo when
that condition was created by the loading or
unloading of the vehicle.
'People relying on statement or warranties you've
made about your products or completed work.
This exclusion applies whether or not the claim is
based on liability assumed under any contract
or agreement.
Professional services exclusion. We won't cover
injury or damage resulting from the performance
of or the failure to perform any professional service.
This exclusion applies whether or not the claim is
based on liability assumed under any contract
or agreement.
Other Insurance
This agreement is primary insurance. If other
insurance is available that is excess or contingent, it
won't affect our payment under th is agreement.
Excess insurance applies after primary coverage has
been used up. Contingent insurance applies only
when there is no other coverage. This agreement
may be changed by endorsement to an excess or
contingent basis.
When this agreement and other collectible insurance
apply to a loss on the same primary, excess, or
contingent basis, our payment may be different.
Each policy, including this agreement, will share the
loss equally until it's paid. If a policy reaches its
limit before the whole loss is paid, the remaining
pol icies wi II share the balance equally. Bu t no pol icy
will pay more than its limit. For example:
.lDul
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) You have a $600,000 loss. This limit of coverage on
this agreement is $500,000 but you have two other
policies that cover your loss and provide for
contribution by equal shares. Policy A's limit is
$100,000 and Policy 8's limit is $300,000. First,
we figure how much we'd have to pay if each
contributed equally until your whole loss was
covered or we each paid the limit of Policy A. That
works out to $100,000. Three $100,000 payments
wouldn't cover your loss, so we have to figure how
much we'd have to pay if this agreement and Policy
8 contributed equally until your whole loss was
paid or we each reached our limits. Since the unpaid
portion of the loss would be $300,000, we'd each
pay another $150,000 without reaching out limits.
Our total payment under this agreement would
be $250,000.
If the other insurance doesn't provide for
contribution by equal shares, we'll figure our
payment this way: We'll pay that portion of the
loss equal to our percentage of the total amount of
insurance covering the loss. But we won't pay more
than our limit. For example:
The limit of coverage under this agreement is
$300,000. You have another policy covering the
loss with a limit of $100,000. We'll pay up to 75%
($300,000/$400,000) of the loss, but not more
than $300,000.
43000 Ed. 10-81 Printed in U.S.A.
Page 7 of 7.
Liability Coverage.
cst. Paul Fire and Marine Insurance Company. 1981.
Insuring Agreement 36.
General LiabilitY1 Broadening
Endorsement ' i
This endorsement changes your:
~ Comprehensive General Liability Protection
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Table Of Contents
How Your Coverage Is Changed
Personal Injury and Advertising Injury Coverage
. People Whose Advertising Claims Are
Not Covered 2
Limit Of Personal Injury And
Advertising Injury Coverage 2
. Exclusions - Personal Injury or
Advertising Claims We Won't Cover 2
Mental Harm Coverage 2
Extended Bodily Injury Coverage 2
Medical Expense Coverage 3
. People Whose Medi.cal Expenses
Aren't Covered 3
. Medical Reports And Examinations 3
. Exclusions - Medical Expense Claims
We Won't Cover 3
. Recovering Damages From A Third Party 4
Additional Protected Persons 4
. Spouse Of A Partner 4
. Employees 4
. Newly Acquired Organizations 4
Limited Worldwide Liability Coverage 4
Tenant's Fire or Explosion Liability Coverage 4
· Limit Of Coverage 5
· Exclusions - Tenant's Fire or Explosion
Claims We Won't Cover 5
Incidental Medical Services Coverage 5
Host Liquor Liability Coverage 5
Broad Form Property Damage Coverage 5
Other Terms 6
How Your Coverage Is
Changed
Your General Liability Protection is broadened by
adding some coverages and changing some exclusions.
If issued after the date your policy begins, these
spaces must be completed and our representative
must sign below.
Authorized representative
u2-~
43046 Ed. 10-81 (GL0404) Printed in U.S.A.
<;:Sl. Paul Fire and Marine Insurance Company, 1981.
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Personal Injury And
Advertising Injury Coverage
We'll pay amounts you and others protected under
this endorsement are legally required to pay as
damages for covered advertising injury or personal
injury claims. These are claims for any of the
following types of interference with someone's
rights that happen in the course of your business
while this endorsement is in effect.
Advertising injury means any advertisement,
advertising or publicity article, broadcast or
telecast that interferes with someone else's right to
an idea. Covered advertising injury claims include
violation of the right of privacy; infringement of
copyright, title or slogan; piracy; unfair
competition; or libel, slander, or defamation
of character.
Personal injury means any of the following types
of interference with someone's rights.
1. False arrest, wrongful detention, imprisonment
or malicious prosecution. An example of malicious
prosecution would be harming someone by
knowingly starting a lawsuit without having any
real cause to sue.
2. libel and slander, defamation of character, or
invasion of the rights of privacy. For example,
libel and slander includes harm caused to
someone's reputation by written or
spoken statements.
3. Wrongful entry or wrongful eviction. For
example, this includes interfering with someon.'s
right to occupy property undisturbed, unjustifi9d
eviction or unjustified entry onto the property.
Pol icy issued to
Anderson 3ev Cruises. Ine.
Endorsement takes effect
11-1'1_83
Policy number
G35~ill5325
Endorsement number ~ to InsuringAgreement_)G .
Page 1 of 6.
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People Whose Advertising Claims Are
Not Covered
We won't cover you or any other protected person
whose business is advertising, broadcasting,
publishing or telecasting.
limit Of Personal Injury And
Advertising Injury Coverage
The limit of coverage that applies to your General
Liability Protection is the most we'll pay for all
personal injury and advertising claims covered
under this agreement. The limit is shown in the
General Liability Coverage Summary. If you have
a combined single limit, it is the most we'll pay. If
you have separate limits, the bodily injury each
accidentallimitis the most we'll pay. The
applicable limit applies no matter how many
protected persons are involved, how many persons
or organizations are injured, or how many claims
are made. If your General Liability Protection is
issued for more than one year, the applicable limit
applies separately to each policy year.
Exclusions- Personal Injury Or
Advertising Claims We Won't Cover
All of the exclusions that apply to your General
Liability Protection also apply to this endorsement.
The following additional exclusions apply to
Personal Injury and Advertising Injury Coverage.
Employment-related claims. Unless the Coverage
Summary shows that this exclusion is deleted, we
won't cover claims made by anyone because of
personal injury related to his or her employment or
application for employment by you.
Discrimination. We won't cover personal injury
claims that result from any incident related to
discrimination or unfair employment practices by
any protected person.
False statements. Wo won't cover the following
statements made by you or on your behalf:
.false statements about any organization or its
products or services made by or on behalf of any
protected person with knowledge that they
are false;
.statements in violation of an individual's rights of
privacy made by or on behalf of any protected
person with knowledge that they are false; or
. statements (or the fi rst of statements) made before
this endorsement went into effect.
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Contract liability. We won't cover personal injury or
advertising injury liability assumed under any
contract or agreement.
Deliberately breaking the law. We won't cover
personal injury or advertising injury claims that
result if you or any other protected person
knowingly breaks any criminal law. Or if someone
else breaks such a law with the consent or
knowledge of a protected person.
Advertising claims. We won't cover any claims for
the following types of advertising injury:
.failure to perform your obligations under a
contract. (But this exclusion will not apply to the
unauthorized appropriation of ideas based on
alleged breach of an implied contract.)
. infringment of trademark, service mark or trade
name by using any of them as the trademark,
service mark or trade name of goods or services
you sell, advertise, or offer for sale. (But th is
exclusion will not apply to infringement of titles
or slogans.);
. incorrect description of goods, products or services;
.mistakes in the advertised price of goods, products
or services;
.acts committed with intent to harm; or
. statements made in advertising, broadcasting or
telecasting activities by you or any other
protected person.
Mental Harm Coverage
The term "bodily injury" as used in your General
Liability Protection is expanded to cover mental
harm, mental anguish or mental illness whether or
not there has been physical harm or illness.
Extended
Coverage
Bodily Injury
"
The term "accidental event" as used in your
General Liability Protection is expanded to cover
any intentional act by or at the direction of any
protected person that results in bodily injury solely
from the use of reasonable force while preventing
or removing a danger to people or property.
This coverage does not apply in New York.
Page 2 of 6.
il::St. Paul Fire and Marine Insurance Company. 1981.
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Medical Expense Coverage
Even if you aren't legally responsible, we'll pay up
to $1,000 for first aid and medical expenses of
each person who sustains bodily injury in an
accidental event. However, no matter how many
claims result from one event, we won't pay more
than your policy's each accidental event limit.
You may have coverage for medical payments
under one or more agreements in this policy. If
you do, the most we'll pay is the highest limit of
coverage you have.
The event must happen at your place of business
and result from a condition of your premises or
arise from some activity related to your business.
For example:
It's rained most of the morning. Your secretary
takes an umbrella along to the post office to
purchase stamps. While rounding a corner, your
secretary's umbrella accidentally pokes a
pedestrian's shoulder. The pedestrian, knocked off
balance, falls to the sidewalk. Since your secretary
was on business when the accident occurred, we'll
cover medical expenses the injured pedestrian may
have up to $1,000.
We'll cover reasonable expenses for necessary
medical, surgical, x-ray and dental services, and
for artificial limbs and organs. We'll also pay for
necessary ambulance, hospital and professional
nursing services and for funeral services. To be
covered, these expenses must be incurred within
one year of the accidental event.
People Whose Medical Expenses
Aren't Covered
We won't cover medical expenses of any of the
following people:
. You or you r partners.
. An employee of yours or your partners, if the
employee is injured in the course of his or her
employment by you.
. A tenant who lives on your premises or employees
of such tenants who are injured in the course of
their employment by the tenant.
. Any tenant or any employee of a tenant who is
injured on the part of the premises rented
from you.
· Employees of such other tenants who are injured
in the course of their employment and on the part
of the premises their employer rents from you.
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. Any person who builds new structures orwho
repairs, maintains or demolishes any structure on
your property or adjacent roads.
. Any person to whom benefits are payable or for
whom benefits are required to be provided under a
workers' compensation, unemployment
compensation, disability benefits or similar law.
. Any person practicing, teaching or taking part in
physical training, a sport or an athletic activity
or contest.
Medical Reports And Examinations
The injured person must do several things before
we will pay a claim. These are:
. give us written proof of the claim as soon
as possible;
. make the claim under oath at our request;
. give us authorization to obtain copies of medical
reports and records;
. be examined by doctors of our choice as often as
we may reasonably request.
We will pay for such examinations, but these
payments will be treated as part of the limits
of coverage.
The fact that we make payments to an injured
person for these services doesn't mean you've
admitted responsibility for the injury.
Exclusions- Medical Expense Claims
We Won't Cover
All of the exclusions that apply to your General
Liability Protection also apply to this endorsement.
The following additional exclusions apply to
Medical Expense Coverage.
Medical services you provide. We won't cover
expenses for medical services provided by any
protected persons; their employ~es; or any person
or organization under contract to you to provide
such services.
43046 Ed. 10-81 (GL0404) Printed in U.S.A.
Endorsement number_ to Insuring Agreement_.
Page 3 of 6.
:~St. Paul Fire and Marine Insurance Company. 1981.
.l8IiIIuI
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Work by independent contractors. We won't cover
medical expenses for injury caused by work done
for you by any independent contractor. But this
exclusion won't apply to maintenance and repair
of your insured premises. Nor will it apply to
structural alterations at insured premises that don't
change the size of a structure or involve moving of
a structure.
Recovering Damages From A Third
Party
The Recovering Damages From A Third Party
section of the General Rules doesn't apply to this
medical expense coverage.
Additional Protected Persons
This endorsement adds spouses of partners and
your employees to the persons and organizations
covered in the Who Is Protected Under This
Agreement section of your General
Liability Protection.
Spouse Of A Partner
I f you are a partnership, spouses of partners are
protected against claims resulting from conducting
your business as a partnership.
Employees
Your employees are protected while they are
working for you within thescope of their duties.
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limitations on employee protection. We won't
cover your employees for the following:
'Claims for bodily injury or personal injury to a
fellow employee occurring on the job.
'Claims for personal injury or advertising injury to
you; a protected partner or co-venturer; or
member of a protected partnership or the spouse
of any protected person.
'Claims for damage to property owned, used, rented
or controlled by you; a protected partner or
co-venturer; member of a protected partnership;
the spouse of any protected person; or a
fellow employee.
Newly Acquired Organizations
We'll protect organizations that you newly acquire
or form in which you maintain ownership or
majori ty i nterest. To be covered these organ izations
must be acquired or formed while this endorsement
is in effect. We'll protect them for 90 days from
the date you acquire them. However, we won't
protect a joint venture unless it is named in
the Introduction.
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Other insurance for newly acquired organizations.
If a newly acquired or formed organization is
covered for bodily injury, property damage,
personal injury or advertising injury claims under
any other policy, the coverage provided by this
endorsement does not apply, nor does this
coverage apply as excess.
Limited Worldwide Liability
Coverage
The Where We Cover section of your General
Liability Protection is extended as follows.
I f you are permanently headquartered in the
United States of America, we also cover accidental
events that take place anywhere in the world that
result from your business activities while a
protected person is temporarily outside the United
States of America. And if products are covered,
we',11 also cover accidental events that are caused by
one of your products sold anywhere in the world.
But we only cover such events if the original suit
is brought within the United States of America,
its territories or possessions, Puerto Rico or Canada.
Tenant's Fire Or Explosion
Liability Coverage
If your General Liability Protection provides
property damage coverage, we'll protect you for
property damage claims caused by fire or explosion
to that portion of property which is described
above that you rent or occupy. But this is so only
when you or other protected persons are legally at
fault for the damage. We won't cover damage to
such property when it isn't any protected person's
fault, even if responsibility for the damage has been
assumed under a contract or agreement.
For example:
You rent office space in another building. Your
lease makes you responsible for all damage caused
by fire or explosion to your office even though
you're.not to blame.
Suppose your employee carelessly throws a
lighted match into the wastebasket. We'll pay up to
the limit of coverage for the fire damage you're
legally responsible for because of the carelessness.
But, if through no fault of yours, the furnace
explodes and starts your premises on fire, we won't
pay for the damage even though your lease makes
you responsible for it.
Page 4 of 6.
~St. Paul Fire and Marine Insurance Company, 1981.
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limit Of Coverage
The most we'll pay for covered tenant's fire or
explosion claims is $50,000 for each accidental
event, no matter how many protected persons,
property owners or claims are involved.
Exclusions- Tenant's Fire Or Explosion
Claims We Won't Cover
The "Nuclear energy liability" exclusion in your
General Liability Protection applies to this
coverage. However, no other exclusions in the
General Liability Protection or this endorsement
apply to this coverage.
Incidental Medical Services
Coverage
This endorsement expands your coverage for bodily
injury by adding protection for claims that result
when a physician, dentist or nurse you employ
provides or fails to provide professional services.
But we won't protect the doctor or nurse against
malpractice claims.
The "Employer's liability" exclusion in your
General Liability Protection will not apply to
this coverage.
Host Liquor Liability
Coverage
If you aren't in the liquor business, we'll cover
claims for bodily injury or property damage that
result when you or someone acting for you serves
or gives away alcoholic beverages. This includes
claims for loss of support due to bodily injury. By
liquor business we mean the business of
manufacturing, distributing, selling or serving
alcoholic beverages.
Broad Form Property
Damage Coverage .
This section expands your protection against
certain property damage claims by substituting the
"Damage to your products or work" and the
"Control of property" exclusions in your General
Liability Protection with the following.
Damage to your products or work. We won't cover
damage to any of your products caused by the
product itself or by any of its parts. For example:
We won't cover damage to an air conditioner that
occurs because you improperly manufactured it.
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Nor will we cover damage to your work that's
caused by the work itself or by materials or
equipment connected with it. But if your
General Liability Protection provides completed
work coverage, we will cover liability claims for
damage to your completed work which results
from damage caused by work done for you by
others, such as subcontractors. For example:
You constructed a building as a general contractor.
The building is accepted and the owner moves in.
Later the building is damaged by a fire caused by
a faulty air conditioner you directly installed.
You're not covered for damage to your completed
work - the air conditioner you directly installed.
But you're covered for fire damage to the
materials installed for you by your subcontractors.
When we consider work to be completed is
explained in the Limits of Coverage section of
your General Liability Protection.
Control of property. We won't cover damage to
any of the following:
1. Property you or any other protected persons
own, rent, occupy or hold for sale or safekeeping.
2. Property you or any other protected person
controls or plans to install, erect or use
in construction.
3. Tools and equipment while you or any other
protected person are actually using them to
do work.
4. Property on your premises or premises of any
~ other protected person for the purpose of being
worked on by you or on your behalf.
5.Premises you've sold or transferred to
someone else.
However, we will cover the above described
property you use or control that you've assumed
liability for under a written sidetrack agreement.
We'll also cover damage caused by an elevator on
your premises to property of others that you
control. But we won't cover damage to the
elevator itself.
6. A particular part of property you or others
working for you may work on while away from
premises owned or rented by you. This includes
the following:
~
43046 Ed. 10-81 (GL04041 Printed in U.S.A.
,~,St. Paul Fire and Marine Insurance Company. 1981.
Endorsement number~to Insuring Agreement_.
Page 5 of 6.
llIi1IuI
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· Property being worked on. We won't cover damages
to the particu lar part actually bei ng worked on at
the time of the accident if the damage results from
the work itself while the work is still going on.
.Source of damage. We won't cover damage to the
particular part out of which the damage arises.
.Faulty workmanship. We won't cover repair or
replacement of the particular part because of
faulty workmanship.
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Other insurance for property damage. Additional
protection provided by the Broad Form Property
Damage Coverage section of this endorsement is
excess over any valid property insurance on which
you can collect. We won't pay until all Builder's
Risk, Fire, Extended Coverage, Installation or
similar coverages, including any deductibles, have
been used up.
Other Terms
All other terms of your policy remain the same.
Page 6 of 6.
;&)St. Paul Fire and Marine Insurance Company. 1981.
Premium Adjusynent
Endorsement
This endorsement applies to:
~ Comprehensive General Liability Protection
o Special Comprehensive General Liability Protection
o
What This Endorsement Does
This endorsement shows how we adjust the
premium for the agreement indicated above
at the end of the policy year. The Estimated
Premiums section of the General Rules applies.
How To Read This Table
The table below shows the rating classifications,
rates, and the estimated exposures used to figure
your estimated premium.
Rate Code. The code number before each rate in
the rate column indicates the unit of exposure
the rate is applied to. The codes are: (1) Per $100.
(2) Per $1000.
(3) Per
(4)
For example: (1) .10 means the rate is 10 cents
per $100 of exposure.
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Estimated exposures. The premiums for the
classifications shown below are based on
estimated exposures.
Estimated exposure means the exposure on which
we based your premium.
The code letter before each figure in the exposure
column indicates the type of exposure. The codes
are: (a) Admissions. (b) Cost. (c) Payroll.
(d) Receipts. (e) Total operating expenses.
These exposures are explained on page 2 of this
endorsement. Other exposures are explained below:
(f)
(g)
Coverage Rates Esti mated Estimated Premium Minimum
Rating Classification BI PD Exposure BI PD Premium
BI PD
Prods.-58260 Restaurant 2) d)
1.278/.107 320,000. $409. $89. 3112./$'
CGL - 99980 15%ofBI & D ,lJ ./$J
99982 Premium $61. $ 13 .
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I f issued after the date your pol icy begins, these
spaces must be completed and our representative
f!lust sign below.
Authorized representative
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(;{ ) 'Wi .J ~-n'L0,-
43065 Ed. 10-81 Printed In U.S.A.
&ist. Paul Fire and Marine Insurance Company. 1981.
89.
Policy issued to
!\nr.1prson. J:.1.8_V Cr'11~eS
_ J L . ,_ ' ,
Ine.
Policy Number
685NB5325
Endorsement takes
effect on 11-11-83
and ends on
1:1-11-84
Endorsement Number ---.1....... to Insuring Agreement~.
Page 1 of 2.
Liability Coverage.
.IDol
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How we'll figure your premium. At the end of the
policy year we'll make an audit to determine your
actual exposure to risk. Then we'll apply the rates
shown in the table of your actual exposure figures
developed by the audit. This will determine the
premium we've ea-rned. If our earned premium is
less than we charged, you'll get credit for the
difference. If it's more you'll pay us the balance.
But you won't pay less than the minimum premiums
shown in the table.
Type of Exposure.
Admissions mean the total number of people,
other than your employees, admitted to the
covered event or to events on the premises. This
includes paid admission tickets, complimentary
tickets or other passes.
Contractual cost means the total cost to anyone
you agree to indemnify under an insured contract
of work let or sub-let in connection with each
specific project. This includes the cost of labor,
materials and equipment furnished, used or delivered
for use in completion of such work whether
furnished by the owner, contractor or subcontractor.
It also includes all fees, allowances, bonuses, or
commissions made, paid or due.
Independent contractor cost means your total cost
of operations performed for you during the policy
period by independent contractors of work let or
sub-let in connection with each specific project.
This includes the cost of labor, materials and
equipment furnished, used or delivered for use in
completion of such work whether furnished by
the owner, contractor or subcontractor. It also
includes all fees, allowances, bonsues, or commissions
made, paid or due.
..
Page 2 of 2.
~St. Paul Fire and Marine Insurance Company. 1981.
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Payroll means the entire remuneration earned during
the policy period by proprietors and by your
employees. This doesn't include chauffeurs, aircraft
pilots and co-pilots who are subject to any
overtime earnings.
Receipts means the gross amount of money charged
by you, your concessionaires or others trading
under your name for goods or products sold or
distributed or operations performed during the
policy year. This includes taxes, other than taxes
which you collect as a separate item and remit
directly to a governmental division. This does
not include receipts from telecasting, broadcasting
or motion pictures.
Total operating expenses means your total expenses
during the policy period. However, there are a
number of exceptions to this which will be explained
by our agent or representative.
Other Terms
All other terms of your policy remain the same.
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Watereraft Exclus~n Endorsement
This Endorsement changes your:
(x) Comprehensive General Liability Protection
() Special Comprehensive General Liability Protection
( )
f
How your covera~e chan~es
This endorsement reduces coverage
Protection.
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under your
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General Liability
Exclusions - Liabilities we won't cover
Watereraft. We won't cover injury or damage due to the ownership,
maintenance, use, loading or unloading of any watereraft owned,
operated, rented or borrowed by any proteeted person. Or any
other watercraft operated by anyone in the eourse of his or her
employment by any protected person. But this exelusion doesn't
apply to injury or damage caused by such watercraft while ashore
on premises you own, rent or eontrol.
Other terms
All other terms of your policy remain the same.
if \A/I:? !ss\.Je tr-::s ~orm a~:t:::- t.l~ rJ3te 'iour P:~:::='I'
Takes effect, \'\'e Must C'Jrrl~;-::-:E: :r-:ese st='ac~s (3;;:
o~r repres~nlat:\'e ~!uS1 Si~"'l l.E;iC'~....
A:~:hGr:ze': represen:a:ivc:
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Po( i c '," i SS'_leC to
Anderson BRY Cruises, Ine.
Ayeement takes effect
11-11-83
Polic'i number
685NB5325
I :1$:..ir::1g ,";gr'gement
Endorsement number _to Insuring Ag;ee;nent~.
E-"jorsE'c;,entnu;T',ber~to General Liabili:.y
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Liability Limit~tion Endorsement
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This endorsement changes your:
(x) Comprehensive General Liability Protection
Bow your coverage is changed
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Your Comprehensive General Liability Protection does not cover
bodily injury or property dam-ge losses occurring within
300 feet from the shoreline.
Other terms
All other terms of your policy remain the same.
! ~ \\2 iss.J e ::--:; ~ ~:~;r' df~er t~iE: J3t~ \y'C~ r ~;:..: Ie ~.
te k ~s ef"':'.:t, ",N::: r-"JS~ sa:n [: lete 1 hes.=. s[}aces a'-,j
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Anderson Bay Cruises, Inc.
11-11-8.3
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6 8 5 r~3 53? 5
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En:o~se'1ler,: nu::l:,er _~to Insur!ns Agreement~.
Endo's~:'lent r'J;~;tJer _to
:-St. PaL;i C1re an:; ~"'~G~i:te Ir.~ur3~":€- Ca:-;:iani-, 1960.
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How your coverage is changed:
Your coverage is changed to include the following as a.dditional
Insureds \<lith respects to mmership of the property:
1)
City of Clearwater
112 S. Osceola
Clearwater, FL 33516
with respect to Location
=I}1 - Clec?r\\'ater Harine
25 Causeway Blvd.
Clearwater Beach, FL
2) J. LaDon DewTell
with respect to Location 1fr2 - 1150 E. Hwy. 98
Ft. Walton Beach, FL
Other terms:
All other terms of your policy remain the same.
.
If we issue this form after the date your policy
takes effect, we must complete these spaces and
our representative must sign below.
Authorized representative
Policy issued to
Anderson 38Y Cruises, Ine.
Agreement takes effect
:1:1-:11-83
Policy number
685N35325
Y)). fA). ~j~~
I nsuring Agreement .
Endorsement number ~to Insuring Agreement 36 .
Endo'rsement number _to
CSt. Paul Fire and Marine Insurance Company. 1980.
Products On Yqur Premises
Exclusions End<lrsement
This endorsement changes your:
00 Comprehensive General Liability Protection
o Special Comprehensive General Liability Protection
o
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How Your Coverage Is Changed
Your General Liability Protection "Products-
completed work" exclusion is changed. The
effect of this change is to restrict coverage.
The "Products - completed work" exclusion now
applies to bodily injury or property damage
caused by your products when:
. you've given physical possession of the product
or container to others; and
. the injury or damage happens on premises you
own or rent from others and are described below.
Other Terms
All other terms of your policy remain the same.
Description of premises.
58260 - Restaurant - with sales of alcoholic beverages that are
less than 75% of the total annual receipts of the restaurant -
with dance floor.
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If issued after the date your policy begins, these
spaces must be completed and our representative
must sign below.
Authorized representative
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W, U~._JL~?~
43153 Ed. 10-81 (GL2118) Printed in U.S.A.
~St. Paul Fire and Marine Insurance Company. 1981.
Pol icy issued to
Anderson B~v Cruises. Ine.
Endorsement takes effect
11-Jl-83
Policy number
68 5 ~,;r3 5325
Endorsement Numbec.2__to Insuring Agreement jo .
Page 1 of 1.
Liability Coverage.
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MULTIPLE PROTECTEcJ PERSONS ENDORSEMENT
This endorsement changes your:
H Comprehensive General liabil ity
Protection
o Special Comprehensive General
liabil ity Protection
o
I
~stillul
What This Endorsement Does
This endorsement replaces the first para-
graph of the "Who Is Protected Under
This Agreement" section with the follow-
ing:
Protected persons are people and organ-
izations protected under this agreement.
Here's a list of "protected persons" and
certain limitations on their protection.
Each is protected separately. However,
the I imits of coverage are shared by all
protected persons. We explain how in the
"limits of Coverage" section.
Other Terms
All other terms of your policy remain the
same.
Refer to Insuring Agreement 36, Form 43000, Page 2, Subsection
"CORPORATION"
.
If issued after the date your policy
begins, these spaces must be completed
and ou r representative must sign below.
Authorized representative
I
(;{), ZU. ~g;(;U~
43217 Ed.1-83 Printed in U.S.A.
@St.Paul Fire and Marine Insurance Co.1983
Policy issued to
Ancerson D8Y Cruises, Inc.
Endorsement ta kes effect Pol icy Number
11-:11-83
685NB5325
Endorsement-Lto I nsu ring Agreement ..J.6
Page 1 of 1