Loading...
Certificate of InsuranceDATE (MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 03/18/2020 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). CONTACT PRODUCER?????????h? NAME: FAX PHONE Assurance Partners(800) 563-1871(785) 825-5098 (A/C, No): (A/C, No, Ext): E-MAIL 201 E Iron Avenue????h @yourassurance.com ADDRESS: P.O. Box 1213 INSURER(S) AFFORDING COVERAGENAIC # SalinaKS67402-1213Allied Insurance Company of America10127 INSURER A : INSURED Westchester Surplus Lines Insurance Company10172 INSURER B : Excel Dirt & Excavating LLC INSURER C : 2100 E Schilling INSURER D : INSURER E : SalinaKS67401 INSURER F : 19.20 All Lines Pollution COVERAGESCERTIFICATE NUMBER:REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ADDLSUBR INSRPOLICY EFFPOLICY EXP TYPE OF INSURANCELIMITS POLICY NUMBER LTR(MM/DD/YYYY)(MM/DD/YYYY) INSDWVD COMMERCIAL GENERAL LIABILITY 1,000,000 EACH OCCURRENCE$ DAMAGE TO RENTED 100,000 CLAIMS-MADEOCCUR$ PREMISES (Ea occurrence) 5,000 MED EXP (Any one person)$ AYYACP302854147712/09/201912/09/20201,000,000 PERSONAL & ADV INJURY$ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER:GENERAL AGGREGATE$ PRO- 2,000,000 POLICYLOCPRODUCTS - COMP/OP AGG$ JECT $ OTHER: COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY 1,000,000 $ (Ea accident) ANY AUTOBODILY INJURY (Per person)$ OWNEDSCHEDULED AYYACP302854147712/09/201912/09/2020 BODILY INJURY (Per accident)$ AUTOS ONLYAUTOS HIREDNON-OWNEDPROPERTY DAMAGE $ (Per accident) AUTOS ONLYAUTOS ONLY $ UMBRELLA LIAB 3,000,000 OCCUREACH OCCURRENCE$ A EXCESS LIAB ACP302854147712/09/201912/09/20203,000,000 CLAIMS-MADEAGGREGATE$ DEDRETENTION$$ PEROTH- WORKERS COMPENSATION STATUTEER AND EMPLOYERS' LIABILITY Y / N 500,000 ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT$ A N / A ACP302854147712/09/201912/09/2020 OFFICER/MEMBER EXCLUDED? 500,000 (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE$ If yes, describe under 500,000 DESCRIPTION OF OPERATIONS belowE.L. DISEASE - POLICY LIMIT$ Each Occurence$1,000,000 Pollution Liability BYG71760017 00111/14/201911/14/2020Deductible$5,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) City of Saline is named as additional insured with regard to the General Liability, Auto Liability and Pollution Liability. Waiver of Subrogation is added to the General and Auto Liability for City of Salina as allowed by state statute, to the extent provided in the attached forms. AC7005, CG7323 This is a revised certificate and supersedes any previously issued certificate. CERTIFICATE HOLDERCANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. City of Salina 300 W. Ash AUTHORIZED REPRESENTATIVE SalinaKS67401 © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03)The ACORD name and logo are registered marks of ACORD COMMERCIAL AUTO AC 70 05 03 16 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESSAUTO PROTECTION - GOLD This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM SUMMARY OF COVERAGES A.Effect of This Endorsement B.Newly Acquired or Formed Entities C.Employees as Insureds – Nonowned Autos D.Additional Insured by Contract, Permit or Agreement E.Supplementary Payments – Bail Bonds F.Supplementary Payments – Loss of Earnings G. Personal Effects and Property of Others Extension H.Prejudgment Interest Coverage I.Fellow Employee – Officer, Managers and Supervisors J.Hired Auto Physical Damage K.Temporary Substitute Autos – Physical Damage Coverage L.Expanded Towing Coverage M.Auto Loan or Lease Coverage N.Original Equipment Manufacturer Parts – Leased Private Passenger Types O.Deductible Amendments P.Rental Reimbursement Coverage Q.Expanded Transportation Expense R.Extra Expense – Stolen Autos S.Physical Damage Limit of Insurance T.New Vehicle Replacement Cost U.Physical Damage Coverage Extension V.Transfer of Rights of Recovery Against Others ToUs W.Section IV – Business Auto Conditions – Notice of and Knowledge of Occurrence X.Hired Car Coverage Territory Y.Emergency Lock Out Z.Cancellation Condition AC 70 05 03 16 Includes copyrighted material of Insurance Services Office, Inc. Page 1 of 7 with its permission COMMERCIAL AUTO AC 70 05 03 16 Ifspecificallyrequiredbythewrittencontractor A.EFFECT OF THIS ENDORSEMENT agreementreferencedintheparagraphabove, Coverage provided under this policy is modified anycoverageprovidedbythisendorsementto by the provisions of this endorsement. If there anadditionalinsuredshallbeprimaryand is any conflict between the provisions of this anyothervalidandcollectibleinsuranceavail- endorsement and the provision(s) of any state- abletotheadditionalinsuredshallbenon- specific endorsement also attached to this poli- contributorywiththisinsurance.Ifthewritten cy, then the provision(s) of the state-specific contractdoesnotrequirethiscoveragetobe endorsement shall apply instead of the provi- primary andtheadditionalinsured’scoverageto sions of this endorsement that are in conflict, benon-contributory,thenthisinsurancewillbe but only to the extent of the conflict, and only to excessoveranyothervalidandcollectibleinsur- the extent necessary to bring such provisions anceavailabletotheadditionalinsured. into conformance with the state requirement(s) contained in the provision(s) of the state-specific endorsement. E.SUPPLEMENTARY PAYMENTS –BAIL BONDS B.NEWLY ACQUIRED OR FORMED ENTITIES Supplementary Paymentsof SECTION II – The Named Insured shown in the Declarations is COVERED AUTOS LIABILITY COVERAGEis amended to include any organization you newly revised as follows: acquire or form, other than a partnership, joint venture, or limited liabilitycompany, and over (2)Up to $2,500 for cost of bail bonds (including which you maintainownership or majority (more bonds for related traffic law violations) than 50%) interest;if there is no other similar in- required because of an “accident” we cover. surance available to that organization.Coverage We do not have to furnish these bonds. th under this provision is afforded until the180 F.SUPPLEMENTARY PAYMENTS –LOSS OF day after you acquire or form the organization or EARNINGS the end of the policy period, whichever is later. Supplementary Paymentsof the SECTION II – C.EMPLOYEES AS INSUREDS –NONOWNED COVERED AUTOS LIABILITY COVERAGEis AUTOS revised as follows: The following is added to paragraph A.1. Who Is (4)All reasonable expenses incurred by the “in- An Insured of SECTION II –COVERED AUTOS sured” at our request, including actual loss LIABILITY COVERAGE: of earnings up to $500 a day because of d.Any "employee" of yours is an "insured" time off from work. while using a covered "auto" you don't own, G.PERSONAL EFFECTS AND PROPERTY OF hire or borrow in your business or your per- OTHERS EXTENSION sonal affairs. 1.The. Care, Custody or Control Exclusion of D.ADDITIONAL INSURED BY CONTRACT, SECTION II –COVERED AUTOS PERMIT OR AGREEMENT LIABILITY COVERAGE,does not apply to ThefollowingisaddedtoA.1.WhoIsAnIn- "property damage" to property, other than suredofSECTION II –COVERED AUTOS your property, up to an amount not exceed- LIABILITY COVERAGE: ing $250 in any one "accident". Coverage is excess over any other valid and collectible Anypersonororganizationthatyouarere- insurance. quiredtonameasanadditionalinsuredina writtencontractoragreementthatisexecuted 2.The following paragraph is added to A.4. orsignedbyyoupriortoa“bodilyinjury”or Coverage Extensions of SECTION III – “propertydamage”occurrenceisan“insured” PHYSICAL DAMAGE COVERAGE: forCovered Auto Liabilitycoverage.How- c.We will pay up to $500 for your property ever,withrespecttocovered“autos”,such that is lost or damaged as a result of a insuredonlyto personororganizationisan covered “loss”, without applying a de- theextent thatpersonororganizationqualifies ductible. Coverage is excess over any asan“insured”underA.1.WhoisanInsuredof other valid and collectible insurance. SECTION II –COVERED AUTOS LIABILITY COVERAGE: Page 2 of 7Includes copyrighted material of Insurance Services Office, Inc. AC 70 05 03 16 with its permission COMMERCIAL AUTO AC 70 05 03 16 H.PREJUDGMENT INTEREST COVERAGE substitute for a covered "auto" you own that is out of service because of its: ThefollowingparagraphisaddedtoSECTION II –COVERED AUTOS LIABILITY COVERAGE, a.Breakdown; 2. Coverage Extensions, a.Supplementary b.Repair; Payments: c.Servicing; (7)Prejudgmentinterestawardedagainstthe d."Loss"; or “insured”onthatpartofthejudgmentwe e.Destruction pay.Ifwemakeanoffertopaytheappli- cablelimitofinsurance,wewillnotpay The coverage that applies is the same as anyprejudgmentinterestbasedonthat the coverage provided for the vehicle being periodoftimeaftertheoffer. replaced. I.FELLOW EMPLOYEE –OFFICERS, MANAGERS,AND SUPERVISORS L.EXPANDED TOWING COVERAGE The Fellow Employee Exclusion in SECTION II 1.We will payup to: –COVERED AUTOS LIABILITY COVERAGEis a.$100 for a covered "auto" you own of replacedas follows; the private passenger type, or A."Bodily injury" to any fellow "employee" of b.$500 fora covered "auto" you own that the "insured" arising out of and in the course is not of the private passenger type, of the fellow "employee's" employment or for towing and labor costs incurred each while performing duties related to the con- time the covered "auto" is disabled. Howev- duct of your business. This exclusion does er, the labor must be performed at the place not apply to an "insured" who occupies a of disablement. position as anofficer, manager,or supervi- sor. 2.This coverage applies only for an "auto" covered on this policy for Comprehensive or J.HIRED AUTO PHYSICAL DAMAGE Specified Causes of Loss Coverage and If covered "auto" designation symbols 1or 8ap- Collision Coverages. ply to Liability Coverage and if at least one "au- 3.Payment applies in addition to the otherwise to" you own is covered by this policy for Com- applicable amount of each coverage you prehensive, Specified Causes of Loss, or Colli- have on a covered“auto”. sion coverages, then the Physical Damage coverages provided are extended to "autos" you M.AUTO LOAN OR LEASE COVERAGE lease, hire, rent or borrow without a driver; and 1.In the event of a total "loss" to acovered provisions in the Business Auto Coverage Form "auto", we will pay anyunpaid amount due applicable to Hired Auto Physical Damage apply on the loan or lease, including up to a max- up to a limit of $100,000. The deductible will be imum of $500 forearly termination fees or equal to the largestdeductible applicable to any penalties, for your covered "auto" less: owned "auto" for that coverage. Any Compre- a.The amount paid under SECTION III – hensive deductible does not apply to fire or PHYSICALDAMAGE COVERAGEof lightning. thispolicy; and K.TEMPORARY SUBSTITUTE AUTOS – b.Any: PHYSICAL DAMAGE COVERAGE 1)Overdue lease/loan payments at the The following is added to paragraph C. Certain time of the "loss"; Trailers, Mobile Equipment And Temporary 2)Financial penalties imposed under a Substitute Autos of SECTION I -COVERED lease for excessive use,abnormal AUTOS: wear and tear or high mileage; If Physical Damage Coverage is provided by 3)Security deposits not refunded by a this Coverage Form, the following types of lessor; vehicles are also covered "autos" for Physi- cal Damage Coverage: 4)Costs of extended warranties, Credit Life insurance, Health,Accident, or Any "auto" you do not own while used with Disability insurance purchased with the permission of its owner as a temporary the lease; and AC 70 05 03 16 Includes copyrighted material of Insurance Services Office, Inc.,Page 3of 7 with its permission COMMERCIAL AUTO AC 70 05 03 16 5)Carry-over balances from previous Nodeductible applies to glass if the glass is re- leases.paired, in a manner acceptable to us, rather than replaced. 2.This coverage only applies to a "loss" which is also covered under this policy forCom-P.RENTAL REIMBURSEMENT COVERAGE prehensive, Specified Causes of Loss, or 1.This coverage applies only to a covered "au- Collision coverage. to" for which Physical Damage Coverage is 3.Coverage does not apply to any unpaid provided on this policy. amount due on a loan for which the covered 2.We will pay for rental reimbursement ex- “auto” is not the sole collateral. penses incurred by you for the rental of an N.ORIGINAL EQUIPMENT MANUFACTURER "auto" because of "loss" to a covered "auto". PARTS –LEASED PRIVATE PASSENGER Payment applies in addition to the otherwise TYPES applicable amount of each coverage you have on a covered "auto." No deductibles Under Paragraph C. Limit of Insurance of apply to this coverage. SECTION III –PHYSICAL DAMAGE COVERAGE, Section 4 is added as follows:3.We will pay only for those expenses incurred during the policy period beginning 24 hours 4.We will use new original equipment vehicle after the "loss" and ending, regardless of the manufacturer parts for any private passen- policy's expiration, with the lesser of the ger type covered “auto” where required by following number of days: the lease agreement which has a term of at least sixmonths.If a new original equip-a.The number of days reasonably ment vehicle manufacturer part is not in pro- required to repair or replace the covered duction or distribution we may use a like, "auto". If "loss" is caused by theft, this kind and quality replacement part. number of days is added to the number of days it takes to locate the covered O.DEDUCTIBLE AMENDMENTS "auto" and return it to you. The following are added to theDeductible provi- b.The number of days shown in the sion of SECTION III –PHYSICAL DAMAGE Schedule. COVERAGE: 4.Our payment is limited to the lesser of the If another policy or coverage form that is not an following amounts: automobile policy or coverage form issued by this company applies to the same “accident”, the a.Necessary and actual expenses following applies: incurred. 1.If the deductible under this coverage is the b.$75for any one dayor for a maximum smaller (or smallest) deductible, it will be of 30 days. waived: 5.This coverage does not apply while there 2.If the deductible under this coverage is not are spare or reserve "autos" available to you the smaller (or smallest) deductible, it will be for your operations. reduced by the amount of the smaller (or 6.If "loss" results from the total theft of a cov- smallest) deductible. ered "auto" of the private passenger type, If a Comprehensive or Specified Causes of Loss we will pay under this coverage only that Coverage “loss” from one “accident” involves amount of your rental reimbursement ex- two or more covered “autos”, only the highest penses which is not already provided for un- deductible applicable to those coverages will be der SECTION III –PHYSICAL DAMAGE applied to the “accident,” if the cause of the loss COVERAGECoverage Extension. is covered for those vehicles. This provision only Q.EXPANDED TRANSPORTATION EXPENSE applies if you carry Comprehensive or Specified Paragraph A.4.a. of SECTION III –PHYSICAL Causes of Loss Coverage for those vehicles, DAMAGE COVERAGEis replaced by the follow- and does not extend coverage to any covered ing: “autos” for which you do not carry such We will pay up to $50 per day to a maximum of coverage. $1500 for temporary transportation expense in- curredbyyou because of the total theft of a Page 4of 7Includes copyrighted material of Insurance Services Office, IncAC 700503 16 with its permission. COMMERCIAL AUTO AC 70 05 03 16 covered "auto" of the private passenger type. mentmanufacturer or other sources in- We will only pay for those covered "autos" for cluding non-original equipment manu- which you carry Comprehensive or Specified facturers and Causes of Loss Coverage. We will pay for tem- b.If a repair or replacement results in bet- porary transportation expenses incurred during ter than like kind or quality, we will not the period beginning 24hours after the theft and pay for the amount of the net improve- ending, regardless of the policy's expiration, ment. when the covered "auto" is returned to useor we 5.If we offer to pay the actual cash value of pay for its "loss". the damaged or stolen property, we will R.EXTRA EXPENSE –STOLEN AUTOS value auto advertising wraps, paint customi- The following paragraph is added to Coverage zation, and similar business related advertis- Extensionsof SECTION III –PHYSICAL ing modifications, in addition to the actual DAMAGE COVERAGE: cash value of the property. Auto advertising wraps, paint customization, and similar c.We will pay for up to $5,000 for the expense business related advertising modifications of returning a stolen covered “auto” to you. will be valued at the cost to replace them We will pay only for those covered “autos” with an adjustment made for depreciation for which you carry Comprehensive or Spec- and physical condition. ified Causes of Loss Coverage T.NEW VEHICLE REPLACEMENT COST S.PHYSICAL DAMAGE LIMIT OF INSURANCE The following is added to the Limit of Insurance Under SECTION III –PHYSICAL DAMAGE provision ofSECTION III –PHYSICAL COVERAGE, Paragraph C., Limit of Insurance DAMAGE COVERAGE: is replaced by the following: 5.Theprovisions of paragraphs 1.and 3. do C. Limit Of Insurance not apply to a covered “auto“ of the private 1.The most we will pay for “loss” in any one passenger type or a vehicle with a gross “accident” is the lesser of: vehicle weightratingof 20,000 pounds or a.The actual cash value of the damaged less which is a “new vehicle.” or stolen property as of the time of the In the event of a total “loss” to your new ve- “loss”, or hicle to which this coverage applies, we will b.The cost of repairing or replacing the pay at your option: damaged or stolen property. a.The verifiable “new vehicle”purchase 2.$1500 is the most we will pay for “loss” in price you paid for your damaged vehi- any one “accident” to all electronic equip- cle, not including any insurance or war- ment that reproduces, receives or transmits ranties purchased; audio, visual or data signals which, at the b.If it is available, the purchase price, as time of “loss”, is: negotiated by us,of a “new vehicle”of a.Permanently installed in or upon the the same make, model, and equipment covered “auto” in a housing, opening or or the most similar model available, not other location that is not normally used including any furnishings, parts, or by the “auto” manufacturer for the in- equipment not installed by the manufac- stallation of such equipment. turer or manufacturers’ dealership; or . b.Removable from a permanently installed c.The market value of your damaged ve- housing unit as described in Paragraph hicle, not including any furnishings, 2.a. above or is an integral part of that parts, or equipment not installed by the equipment; or manufacturer or manufacturer’s dealer- ship. c.An integral part of such equipment. We will not pay for initiation or set up costs 3.An adjustment for depreciation and physical associated with loans or leases condition will be made in determining actual cash value in the event of a total “loss”. As used in this endorsement, a “new vehicle”means an “auto” of which you are 4.The cost of repairing or replacing may: the original owner that has not been previ- a.Be based on an estimate which includes parts furnished by the original equip- AC 70 05 03 16 Includes copyrighted material of Insurance Services Office, Inc.,Page 5of 7 with its permission COMMERCIAL AUTO AC 70 05 03 16 ously titled and which you purchased less a.YourobligationintheDutiesintheEvent than 365 days before the date of the “loss”.of Accident,Claim,SuitorLossCondi- tionrelativetonotificationrequirements appliesonlywhenthe“accident”or U.PHYSICAL DAMAGE COVERAGE “loss”isknownto: EXTENSIONS (1)You,if youareanindividual; UnderSECTION III –PHYSICAL DAMAGE (2)Apartner,if youareapartnership; COVERAGE, A. Coverage,Coverage Exten- sions, b. Loss of Use Expenses is replaced by (3)Amember,if you area limitedliability the following: company;or b.Loss of Use Expenses (4)An executive officer or insurance manager, if you are a corporation. For Hired Auto Physical Damage, we will pay expenses for which an “insured” be- b.Your obligation in the. Duties inthe Event comes legally responsible to pay for loss of ofAccident, Claim, Suit or Loss Condition use of a vehicle rented or hired without a relativetoprovidinguswithdocuments driver, under a written rental contract or concerningaclaimor“suit”willnotbe agreement. We will pay for loss of use ex- consideredbreachedunlessthebreach penses if caused by: occursaftersuchclaim or“suit”isknown to: (1)Other than collision if the Declarations indicate that Comprehensive Coverage (1)You,if youareanindividual; is provided for any covered “auto”; (2)A partner, if you areapartnership; (2)Specified Causes of Loss only if the (3)Amember, if youarealimited Declarations indicate that Specified liabilitycompany;or Causes of Loss Coverage is provided (4)An executive officer or insurance for any covered “auto”; or manager, if you are a corporation. (3)Collision only if the Declarations indicate that Collision Coverage is provided for X.HIRED CAR –COVERAGE TERRITORY any covered “auto.” Item(5)ofthePolicyPeriod,CoverageTerritory However, the most we will pay for any General Conditionsisreplacedbythefollowing: expenses for loss of use is $50 per day, to a maximum of $1,500. The insurance provided (5)Anywhere in the world if a covered“auto”is by this provision is excess over any other leased,hired,rentedorborrowedwithouta collectible insurance. driverforaperiodof30daysorless;and V.TRANSFER OF RIGHTS OF RECOVERY Y.EMERGENCY LOCKOUT AGAINST OTHERS TO US We will reimburse you up to $100 for reasonable The following is added to theTransfer Of Rights expense incurred for the services of a locksmith Of Recovery Against Others To Us Condition: to gain entry into your covered “auto” subject to these provisions: We waive any right of recovery we may have against any person or organization to 1.Your door key, electronic keyor key entry the extent required of you by a written con- pad has been lost, stolen or locked in your tract executed prior to any “accident” be- covered“auto” and you are unable to enter cause of payments we make for damages such “auto” , or under this coverage form. 2.Your keyless entry device battery dies and W.NOTICE OF AND KNOWLEDGE OF you are unable to enter such "auto" as a re- OCCURRENCE sult, 3.Your key, electronic keyor key entry pad SECTION IV –BUSINESS AUTO has been lost or stolen and you have CONDITIONS, Paragraph A is amended as changed the lock to prevent an unauthorized follows: entry; and 6.NOTICEOFANDKNOWLEDGEOF OCCURRENCE Page 6of 7Includes copyrighted material of Insurance Services Office, IncAC 700503 16 with its permission. COMMERCIAL AUTO AC 70 05 03 16 4.Original copies of receipts for services of a If we cancel for any reason other than non- locksmith must be provided before reim-payment of premium, we will mail or deliver bursement is payable.to the First Named Insured written notice of cancellation at least 60 days before the ef- Z.CANCELLATION CONDITION fective date of cancellation. This provision Paragraph A.2.of the COMMON POLICY does not apply in those states that require CONDITION –CANCELLATION applies more than 60 days prior notice of cancella- except as follows: tion. AC 70 05 03 16 Includes copyrighted material of Insurance Services Office, Inc.,Page 7of 7 with its permission COMMERCIAL GENERAL LIABILITY CG 73 23 12 16 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS ENHANCEMENT PLUS ENDORSEMENT INCLUDING MEDICAL PAYMENTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A.Lost Key CoverageD.Expanded Property Damage Coverage 1.Under Section I –Coverages, Coverage A 1.For the purposes of this endorsement only: Bodily Injury And Property Damage Section I –Coverages, Coverage A Liability,coverage is extended to include Bodily Injury And Property Damage the following: Liability, 2. Exclusions,Exclusion j. If a customer's master or grand key, Damage To Property isamended as follows: excluding electronic key card, is lost, a.Paragraphs (3), (5), and (6)are deleted damaged or stolenwhile in your care, in their entirety. custody or control we will pay the cost of b.Paragraph (4)is deleted in its entirety replacing the keys, including the master lock and replaced with: and all keys used in the same lock, the cost (4)Personal property in the care, of adjusting locks toaccept the new keys, or custody,or control of the insured: the cost toreplace the locks, whichever is (a)for storage or sale at premises less. you own, rent or occupy; or 2.Limit of Insurance –For the purposeof this (b)while being transported by any coverage the most we will pay is $10,000 aircraft, "auto" or watercraft per “occurrence”. owned or operated by or rented B.Voluntary Property Damage to orloaned to any insured. 1.Section I –Coverages, Coverage A Bodily c.Thecoverage provided by this Injury And Property Damage Liability, endorsement does not apply to coverage is extended to include the following: “property damage”: At your request, we will pay for “property (1)Arising out of the disappearance or damage” to property of others caused by you loss of use of personal property; or and while in your possession, arising out of your (2)Included in the “products-completed business operations and occurring during the operations hazard”. policy period. 2.Limit of Insurance -The most we will pay 2.Limit of Insurance –For the purpose of this for loss arising out of any one “occurrence” coveragethe most we will pay is $1,500per is $5,000. “occurrence”. 3.Deductible -Our obligation to pay for a C.Non-Owned Watercraft covered loss applies only to the amount of Under Section I –Coverages, Coverage A loss in excess of $250. Bodily Injury And Property Damage Liability, We will pay the deductible amount to effect 2. Exclusions,Exclusion g. Aircraft, Auto Or settlement of any claim or ”suit” and, upon WatercraftParagraph (2) (a)is replaced with: notification of this action having been taken, (a)Less than 51 feet long; and you shall promptly reimburse us for the deductible as has been paid by us. CG 73 23 12 16Includes copyrighted material of Insurance Services Office, Inc., Page 1of 5 with its permission. CG 73 23 12 16 This insurance is primary to any expanded d.All reasonable expenses incurred by the property damage coverage provided by a insured at our request to assist us in the separate endorsement attached to this investigation or defense of the claim or policy, and it will supplant any deductible in “suit”, including actual loss of earnings up to said endorsement $500 a day because of time off from work. E.Damage To Premises Rented To YouG.Newly Formed And Acquired Organizations 1.Under Section I –Coverages, Coverage A Under SECTION II –WHO IS AN INSURED Bodily Injury And Property Damage Paragraph 3.a.is replaced with: Liability, the last paragraph of 2. a.Coverage under this provision is afforded Exclusions is replaced with:th only until the 180day after you acquire or If Damage To Premises Rented To Youis form the organization or the end of the policy not otherwise excluded, Exclusions c.period, whichever is earlier; through n.do not apply to damage by fire, H.Additional Insured –Automatic Status When lightning, explosion, smoke,or sprinkler Required In An Agreement Or Contract With leakage to premises while rented to you or You temporarily occupied by you with permission Section II –Who Is An Insuredis amended to of the owner. include: 2.Under Section III –Limits Of Insurance, 1.Any person(s) or organization(s) described Paragraph 6is replaced with: in Paragraph a. –d.below with whom you 6.Subject to 5.above, the Damage To have agreed in writing in acontract or Premises Rented To You Limit is the written agreement that such person or most we will pay under Coverage Afor organization be added as an additional damages because of “property damage” insured on your policy during the policy period shown in the Declarations. to any one premises, while rented to you, or in the case of damage by fire, 2.Any other person or organization you are lightning, explosion, smoke or sprinkler required to add as an additional insured leakage, while rented to you or under the contract or agreement described temporarily occupied by you with in Paragraph1.above. permission of the owner. The limit is The person or organization added as an increased to $1,000,000. insured by this endorsement is an insured 3.Under Section IV –Commercial General only for liability due to: Liability Conditions, 4. Other Insurance, b. a.Lessors of Leased Equipment–with Excess Insurance (1) (a) (ii)is replaced respect to their liability for “bodily injury”, with: “property damage”, or “personal and (ii)That is Fire, Lightning, Explosion, Smoke advertising injury”, caused in whole or in or Sprinkler leakage insurance for part by yourmaintenance, operation,or premises rented to you or temporarily use of equipment leased to you by such occupied by you with permission of the person(s)or organization(s). This owner. insurance does not apply to any F.Supplementary Payments “occurrence” which takes place after the equipment lease expires. Under Section I –Coverages, Supplementary Payments –Coverages A and B Paragraphs However, their status as additional 1.b and 1.d.are replaced with:insured under this policy ends when their lease, contract,or agreement with b.Up to $2,500 for cost of bail bonds required you for such leased equipment expires. because of accidents or traffic law violations b.Managers or Lessors of Premises– arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. with respect to liability arising out ofthe ownership, maintenance,or use of that We do not have to furnish these bonds. part of the premises you own, rent, lease,or occupy. Includes copyrighted material of Insurance Services Office, Inc.,CG 73 23 12 16 Page 2 of 5 with its permission. CG 73 23 12 16 This insurance does not apply to: (1)Your acts or omissions; or (1)Any “occurrence” which takes place (2)The acts or omissions of those after you cease to be a tenant in acting on your behalf;in the performance of yourongoing that premises. operations performed for that (2)Structural alterations, new con- additional insured, whether the work struction,or demolition operations is performed by you or on your performed by or on behalf of the behalf. person or organization. The insurance does not apply to: However, their status as additional (1)“Bodily injury”, “property damage”, insured under this policy ends when you or “personal and advertising injury” cease to be a tenant of such premises. arising out of the rendering of or the c.State or Political Subdivision – failure to render any professional PermitsRelating to Premises–with architectural, engineering,or survey respect to the following hazardsfor services, including: which the state or political subdivision (a)The preparing, approving, or has issued a permitor authorization in failing to prepare or approve connection with premises you own, rent, maps, shop drawings, opinions, or control and to which this insurance reports, survey, field orders, applies. change orders,or drawings and (1)The existence, maintenance, repair, specifications;or construction, erection, or removal of (b)Supervisory, inspection, archi- advertising signs, awnings, tecturalor engineering activities. canopies, cellar entrances, coal holes, driveways, manholes, This exclusion applies even if marquees, hoist away openings, the claimsagainst any insured sidewalk vaults, street banners, or allege negligence orother decorations and similar exposures; wrongdoing in the supervision, or hiring, employment, training or monitoring of others by that (2)The construction, erection, or insured, ifthe “occurrence” removal of elevators; or which caused the“bodily injury” (3)The ownership maintenance or use or “property damage”, orthe of any elevators covered by this offense which caused the insurance. “personaland advertising This insurance does not apply to: injury”, involved therendering (1)“Bodily injury”or “property damage” of, or failure to render, any or “personal or advertising injury” professional, architectural, arising out of operations performed engineering,or surveying for the state or municipality; or services. (2)"Bodily injury" or "property damage" (2)“Bodily injury” or “property damage” occurring after: included within the “products- completed operations hazard”. (a)All work, including materials, parts,or equipment furnished in However, such state or political connection with such work, on subdivision’s status as additional the project (other than service, insured under this policy ends when the maintenance,or repairs) to be permit ends. performed by or on behalf of the d.Owners, Lessees, or Contractors– additional insured(s) at the with respect to liability for "bodily injury", location of the covered "property damage", or "personal and operations has been completed; advertising injury" caused in whole or in or part, by: Includes copyrighted material of Insurance Services Office, Inc.,Page 3 of 5 CG 73 23 12 16 with its permission. CG 73 23 12 16 (b)That portion of "your work" out b.You have agreed in writing in a contract or agreement that this insurance would of which the injury or damage arises has been put to its be primary and would not seek intended use by any person or contribution from any other insurance organization other than another available to the additional insured. contractor or subcontractor I.Employee Bodily Injury To Another Employee engaged in performing Under Section II –Who Is An InsuredThe operations for a principal as a followingis added to Paragraph 2.a.(1): part of the same project. Paragraphs 2.a.(1)(a), (b) and (c) do not apply However, a person or organization’s to “bodily injury” to a co-“employee” in the status as additional insured under course of the co-“employee’s” employment by this policy ends when your you, or to “bodily injury” to a co-“volunteer operations for that additional insured worker” while performing duties related to the are completed. conduct of your business. With respect to the insurance afforded to J.BroadForm Named Insured such additional insureds a. –d.described above, the following is added to Section III Under Section II –Who Is An InsuredThe –Limits Of Insurance: followingis added toParagraph2.: If coverage provided to the additional e.Any business entity incorporated or insured is required by a contract or organized under the laws of the United State agreement, the most we will pay on behalf of of America (including any State thereof), its the additional insured is the amount of territories or possessions,or Canada insurance: (including any Province thereof) in which the 1.Required by the contract or agreement; Named Insured shown in the Declarations or owns, during the policy period, an interest of 2.Available under the applicable Limits of more than fifty percent. If other valid Insurance shown in the Declarations: collectible insurance is available to any business entity covered by this solely by whichever is less. reason of ownership by the Named Insured This endorsement shall not increase the shown in the Declarations in excess of fifty applicable Limits of Insurance shown in the percent, this insurance is excess over the Declarations. other insurance, whether primary, excess, However, the insurance afforded to such contingent, or on any other basis. additional insureds a. –d. described above: K.Aggregate Limit Per Location 1.Only applies to the extent permitted by Under Section III –Limits Of Insurancethe law; and following is added to Paragraph 2: 2.Will not bebroader than that which you are required by the contract or TheGeneral Aggregate Limitunder Section III agreement to provide for such additional Limits Of Insuranceapplies separately to each insured. of your locationsowned by or rented to you or temporarily occupied by you with the permission 3.Primary and Noncontributory –Other Insurance Conditionsof the owner. For the purposes of this provision, location means premises involving the same or The following is added to the Other connecting lots, or premises whose connection InsuranceCondition and supersedes any is interrupted only by a public street, roadway, provisions to the contrary: waterway or railroad right-of-way. Primary and Noncontributory Insurance L.Aggregate Limit Per Project This insurance is primary to and will not seek contribution from any other insuranceUnder Section III –Limits Of InsuranceThe available to an additional insured under your following paragraph is added to Paragraph 2: policy provided that: TheGeneral Aggregate Limitunder Section III a.The additional insured is a Named Limits Of Insuranceapplies separately to each Insured under such other insurance; and of your construction projects away from premises owned by or rented to you. Page 4 of 5 Includes copyrighted material of Insurance Services Office, Inc.,CG 73 23 12 16 with its permission. CG 73 23 12 16 M.Medical Payments inception date of the policy shall not prejudice the coverage afforded by this Under Section III –Limits Of Insurance, policy provided such failure to disclose all Paragraph 7. is replacedwith: hazards or prior “occurrences” or offenses is 7.Subject to 5.above, the higher of: not intentional. This provision does not a.$10,000; or affect our right to collect additional premium or exercise our right of cancellation or non- b.The amount shown in the Declarations renewal. for Medical Expense Limit is the most we will pay under Coverage Cfor all P.Waiver Of Subrogation medical expenses because of “bodily Under Section IV –Commercial General injury” sustained by one person. Liability Conditions,8. Transfer Of Rights Of This coverage does not apply if Coverage C Recovery Against Others To Us the following –Medical Paymentsis excluded either by paragraph is added: the provisions of any coverage forms If required by a written contract executed prior to attached to the policy or by endorsement. loss, we waive any right of subrogation we may N.Knowledge Of An Occurrence have against the contracting person or organization because of payments we make for Under Section IV –Commercial General injury or damage arising out of your ongoing Liability Conditions, the following is added to operations or “your work” done under a contract 2.Duties InThe Event Of Occurrence, with that person or organization and included in Offense, Claim Or Suit: the “products-completed operations hazard”. e.Knowledge of an occurrence, offense, claim Q.Liberalization or suit by an agent or employee of any insured shall not in itself constitute Under Section IV –Commercial General knowledge of the insured unless you, a Liability Conditions,the following paragraph is partner, if you are a partnership; or an added: executive officer or insurance manager, if 10.Liberalization you are a corporation receives such notice If we revise this coverage form to provide more of an occurrence, offense, claim or suit from coverage without additional premium charge, the agent or employee. your policy will automaticallyprovide the f.The requirements in Paragraph b.will not additional coverage as of the day the revision is be considered breached unless there is effective in your state. knowledge of occurrence as outlined in R.Broadened Bodily Injury Definition (Mental Paragraph e. above. Anguish) O.Unintentional Failure To Disclose Hazard Under Section V –DefinitionsDefinition 3. Under Section IV –Commercial General “Bodily Injury” is replaced with: Liability Conditions, Condition 6. 3.“Bodily injury” means physical injury, Representationsthe following paragraph is sickness,or disease to a person and if added: arising out of the foregoing, mental anguish, d.Your failure to disclose all hazards or prior mental injury, shock,or humiliation, “occurrences” or offenses existing as of the including death at any time resulting therefrom. All terms and conditions of this policy apply unless modified by this endorsement. Includes copyrighted material of Insurance Services Office, Inc.,Page 5 of 5 CG 73 23 12 16 with its permission.