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IN nl~ COUll'/' ot. COMMoN 1'1.1':A,~ llF LANCA/iTli.11 COUNTY, l'I\NNSYI,VANIA
WRIT OF EXECUTION - (Money Judgment)
(1'1\, I\. C. 1', :IIi) I h' 31010, .nd :'2~2)
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~5 MnRRntu Roud, Stuvunu I'A l7578
COMMONWEALTH Of' I'ENNSYLVANIA I
COUNTY 01' LANCASTER f
TO THE SHERa"f 01' ~b'f>lWn
CUHIIIlRLANP
COUNTY, rENNIlYINAN1A.1
II I j., I I' I Gnrv RllMUllll tin PC Sr.llc1nLtilltl tlnd
To 141' y I \c uQHlllellt, nlerru nn. ullI. ngn lut ....".."r....,......."""""'..IH"''''''''HII' "'....'ItH'..".".."""""'..........
,.J~,\~, "Sl~ T:.r. .t~\ ~.tI~,lJti", ,..[~1I; ",...,..., ".11"."..."...,......"..""". ""., "..,,,,,,,.,,, "" H"" ".." "... '"'' ..... ....".., H'''''' ...........,."" Oertnd&.nt
(J) You a.... dl....et.d to '''y upon Ih. prop.rty 01 Uw d.(.ndant and to ..II hi. Inle....u the....lnl
(2) You at1l dl.....I.d allO 10 auach the pll1p<rly o( Ihe de(endant Mt lelli.d upon In the pclllelllon o(
"~.r.~.t;"".~,\I~,9,,,J.n",\U;,\\nli',Il,..r.mnUlI.OJIl.I,l,,,, ,,"'.. ..,,,..,,, .. Oaml.hee
(5ptd(kally If<lcrlbe pll1perty)
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.nd to MtIIy the Oambhe<l -
(a) that 11I1 .tl4dlln.nt hill Ixen l6Iu.dl .nd , '
(b) that the gamhh.e I. .nJoln.d I",m paying any debt to or (or the account o( the defendant
and I/'<Im dellv.rln~ ony propmy oC the d.c.nd.nt or 'llh.rwIIC dhp<>llng the....oC,
(3) If p/'<lperty oC the dd.ndanl not '.vl<d upon .nd .ubJect to attachment I. lound In the pel.....lon of
anyone olher than the nam.d g.mllh..., you are dl....cl.d 10 nOllfy him that h. ha. be.n Ildd.d ill a gamlthoe
and It .nJolned II above "at.d,
DIlt.er.t ".. .1!~ RH.~.~. ..~.~.I.... t:l.~). (?........".... ...".. ...."
Amount 01 Judgm.nt lU .nt.red
Amoul\t Pur (R..I O.ht) _ .
I I 'lutlJ <)f Iud",
nler." rom 6-( [rJ/lJl)' .
- % Collection I'e.
,....,~.,,~lrl,~.\.7.J
$...,.5..QCl.:l.2J
$.................,..':",::
253. [()
.......,..........,..,..,
o Aflldavlt o( Non.Mllltary Servk. FII.d,
Total
Plu. Com
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$"...,.".,........,....
H'lburt: ". Get/. ,11'
.....,.................."......,,,.....................,,.......1.........r.., "'....."......,,...
Prothonotary, Courl of Common PI~a!
[Sl;ALI of l.ancllJ/" County, P'""ly/.ania
nYI ~..sS..:..~"Z~:;;'~~i~;y........
{Under Peru'll)'I",.nf. Rull! Qf CI....iI Prl)('rllllr~ No. 101 all rr.(ut.'!1crl in lhll-writ 10 "'dem'"n' elr ICllrnflh . In thr IlnK'llur
nlunbtr Includlt lhe plW'AI, And In Iht nHlJ[l,Unr IIP"IJrr lndullr Ihl' (rfl1lnll1~ 1.1>>11 nr.lIlrr).
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IN ~"B COURT or COMMON V~B^S, CUMBBRLAND COUNTY, PBNNSYLVANIA
A14BltIQOBBT TISCIINOLOGIBS, INC.,
Plaintiff
No. 9IS 681 T
v.
GARY RUSdBLL t/a PC SPBCI^~TIBS
and PC SPBCIALTIBS, INC.,
Defendant
civil Divilion . Law
v.
STATB AUTO INSURANCB
COH1'J\NIBS,
Gal:'nhhlle
AHSWIRB 0' OlUUfISIIII, STATIIl AUTO IHSURAJlCI aOHPAHII.,
TO IHTIRROGATORIES IH A7TACHHlHT 0' PLAIHTI", AMIRIQUIIT
TlCHHOI.OGJ!8. IHC.. WITH HIW HATTER
AND NOW, this .1Jl.!;.h day of Ootobn 1996, oomu the G&l:'nhhee,
state Auto Insul:'onoe Compallie8, by its attol:'neys, at.tlel:' ,
Gl:'ibbin, which anBWel:'B the Interl:'ogatol:'ies in Attachment, attaohed
her.to ae Bxhibit A, with New Mattel:', ae follows,
1. Gal:'niehee, state Auto In.ur.anoe Companie., did not ow.
eitlu.r Defendant, Gary RUBllell tla PC Special tie. or PC
Speoialti.., Ino. any money when served on October 2, 1996 or at
any time thereafter. Garnishee, state Auto Insuranoe companie.,
wal not liable to the Defendants, Gary RUBsell tla PC Specialtie.
and PC Special ties, Ino., on any negotiable, or other, written
in.trument on Ootober 2, 1996 or thereafter. Defendant., Gary
RUIsell t/a PC Speoialtiel and PC Speoialtiel, Inc., olaimed that
Garnilhee, State Auto Insuranoe Companies, owed money to them for
lo..el arising out of a fire on Maroh 28, 1995 under a polioy of
in.urance, declarationa, forms, and endors.m.nts, copies of whioh
are attach.d her.to, mar.ked Bxhibit Band inoorporated herein by
ref.renoe thereto, but all Clondition. have not be.n met and
.xolusion. may apply to d.ny cove rag. for claim. ari.ing out of
10.... in the fir. of Harch 20, 199~ on ground. more particularly
set forth in New Hatt.r.
2. Garnhh.e, Gtat. Auto Insuranc. Compani.s, wa. not in
po.seuion, cUltody, or control, or in the joint poneuian,
cu.tody, or oontrol of any prop.rty of any nature own.d sol.ly or
in part by Dsfsndants, Gary Ruu.ll tis PC Bp.cialties and PC
Bpecialti.s, Ino. on October 2, 1996 or at Any time th.reaft.r.
3. Garnhhee, stat. Auto Insuranc. compani.s, held le9al
title to proc.eds of a policy of insuranoe, d.olaration., forms,
and .ndorsem.nts, in which Def.ndants, Gary Rus.ell tla PC
Bpecial.ties and PC Bpeoialties, Ino., claim.d an interest, but all
conditions have not be.n met and exclusions may apply to deny
ooverage for claims arising out of loss.s in the fire of Haroh 20,
1995 on grounds more particularly s.t forth in N.w Hatter.
4. Garnishee, stat. Auto Insuranc. Compani.s, did not hold
any prop.rty, a8 fiduciary, in which D.f.ndants, Gary RUssell t/a
PC Bpecialties snd PC Specialties, Ino., had an interest.
5. Def.ndant, Gary Russell tla PC Bpecialties, did tranefer
polioy premiums to Garnish~e, Btate Auto Insurance compani.e, at
times before Ootober 2, 1996, in oonsid.ration for the iS8ue of a
polioy of insuranoe, d.clarations, forms, aald endorsements, but all
oonditions have not been met and exolullionll may apply to dsny
ooversge for claims arilling out of 1088e8 in tho fire of Maroh 20,
1996 on ground. more particuLarLy lIet forth in New Matter.
6. Garniehee, State I\uto 11I8UranGe Companie., did deliver a
polioy of insuranoe, dec1nr.lltionl\, forms, /lnd elldorBementa to
Defendant, Gary RU8801l t/a PC 5peoialtie8, effootive from
Septembflr 27,1994 to September 27, 1995, but all oOlldition8 hllve
not been met and 0)(01ueio1l8 may apply to dony liability for olaims
ariBing out of 10llBeB in 11 fire of March 20, 1995 on grounde more
partioularly oot forth in Now Matter.
WllBRlWORI!;, Garnishee, state I\uto Inouranoe Companieo,
respeotfully requBate thie "ollorable Court to releaDe the
GarnJ,ehee, State Auto Insuranoe Companie8, from the Writ of
I!;xeoutlon-Money Judgment and tho levy upon all property of the
Garnishee, state Auto Inauranoe Companie8.
HEW HA'r'r1B
1. The avermente oontained in the anewere, hereinabove, are
inoorporated herein by reference thereto.
2. The terma, limitB, oonditiona, and exoluaiono oet forth
in the policy of inourance, declaration8, forma, and endor8ernents,
attached hereto and marked ae Exhibit Bare inoorporated herein by
referenoe thereto.
3. The fire whioh ooourred on Maroh 28, 1095 at 1275 North
Reading Road, Steven., penn.ylvania wa. inoendiary and Defendant.,
Gary Ru..ell t/a PC Speoialtiea and PC Speoialtie., Ino., may have
intentionally oauaed fire to ba aet to the property with an intent
to oheat and defraud Garnishee, State Auto Insuranoe compani.., by
the oonduct of Defendanta, Gary Russell t/a PC Speoialtie. and PC
Speoialti..., Ino., or the oonduot of hie or.Lts agent., employ.e.,
servant. or othen, aoting for his or its own benefit Ilnd on hi. or
i1:8 bflhalf.
4. Defendant., Gary Ruuell t/a PC Spaoblties and PC
Speoialtie., Ino., have not fulfilled all aQnditions preced.nt to
payment of polioy prooeeds inoluding, but not limited tOI
a. A failure to lIign all examinations of teatilllony
depoeed under oath.
b. A failure to provide all book. and reoord. requ..ted
by the Garnishllle, State Auto Insuranoe Campanies, its ag.nt.,
representatives, and attorney..
5. Defendant, PC Speoialtiell, Ina., is not a named in.ured
of Garnishee, state Auto Insuranoe Companies.
G. Defendants, Gary Ruuell t/a PC Speoialti.,. and PC
Specialties, Inc. have not cooperated with Garni.hee, Stat. Auto
Insurance Companies, in the investigation of the claim.
7. The policy of Garnishee, state Auto Insurance Companies,
ieeued to Defendant, Gary Russell t/a PC Specialties, b void in
ca.e of fraud.
8. The polioy of Garniahee, atate Auto Inauranoe companiea,
iaaued to Oefendant, Gary Rueaell tla PC apeoialtiea, La void lor
the intontional aota of oonoealing and mJ.arept'Qlenting faota
material to the policy, the oovered property, the interest of the
inaured in the oovered tJroperty, and the olllim made under the
policy of inauranoe.
9. Oefondantl5, Gary Huooell, tla PC Speoialtiel'l, and PC
Ilpeoialtieo, Ino., their employeeo, agento, rllpreoentativOll, and
aervanta may have, upon examination, aworn faleely with the intent
to ohel!lt and defraud Garniahee, Iltate Auto Ineuranoa Compania,s,
breaohing oonditione precedent to payment under the polioy of
insuranoe, declaratione, forma, and endorat3mente, or exoluding suoh
olaim from ooverage.
10. Garniohee, Iltate Auto Inallrance Companiel5, did not breaoh
ita polioy of ineurance, declarations, formo, or endoroemente, with
its insured, Oefendant, Gary Huaoell tla PC Specialties.
11. Plaintiff, Ameriquflot 'rechnologieo Inc., al5 judgment
creditor, has no equitable right of assignment of the judgment
debt.or' a claimB against Garnishee, State Auto Inourance Companies.
12. Plaintiff, Amoriqueot Technologiea Inc., all judgment
creditor, hal5 no legal right of aosignment of the judgment debtor'a
olaims against Garnishee, state Auto Insurance Companies.
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IU' JUll[q UlyOl'l!_,'Rl' '" AIIOC III
ih[u~'p:.iU\~PluD I,PI u ~ l ,nl'
InOHon ,,,,,"''101
I I I I I I I UOItIOUL '"IUItDI,
DOV!l~ .. '01" ,
011 'A!'~I~II~,~ln"iIAb. Irl "~
,tt'l811,~la"'i'~~ "l '"
"0'''1111, . LOll ,PlO
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01-05"95 IO:2IAM FRG~ (R0 P~! 4~1
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THIU I!NOORSIMENT CHANORS nil POLlCY. PWIII READ IT CAREJlU~" I~
VII _ I"
: PENNSYLVANIA C.NlIS.
· ( CANCELLATION AND,NiIUtENEWAL
mjl. tndllrumanl IIullJlnel l"luran,. Il/Ilvldtd llllllllr Ihl I'nllnwlnOI
I:' 1I0lUiH ANn MAClllNURV COV1:/lAOU PART
, 15UIIINRlSISOI'INII'III P(lLICY
COMMl!RCIAI. AlITO eel/HilMi I'.flr
COMMII'IClAl CI'I'ME COYBIlAGfi PAin'
COMM&'I'ICIAL 1I1NERAL LIABILITY COvlRAlilr ",\I'IT
COMM&'RCIAL "l'lnfll!Al"Y COVIIAAnr. PMU
COMM&'RCIAI. INLANn MARINI COV1:'WU PA/H
'ARM COYllI'IAISl! PART
LIQUOR lIAllll.lrY COIill/lMM PMH
POLLUTION IJAlJlLiTl r.CYfRIIGF. PAtH
PROPUCTISICOMPLETen CJI'lRATlONU LIABIII'IY C:OVlIJAO",AAT
II
,I
r
d
J
:1
I .
II endo,nurnunl iJUUI Mt ,,111Iy 10 toYt,"oo provided ro/lll/llploy.. dltilo"eary (CoV~raUB
Upubllo ImplnY"1 ollhllfll..ry ICo'/IIruUI 'orma 0 and PJ, .
0. /I alnnlllon"ludDt 0' 'on up
. ,....110 In'''blllly hn 'hln~
tllll)o ur . IIIlbtllnllul ""ndlllo
10M I~plri,ntl moturial 10
'ha blll:om.lcnawn dUring Ih
tIod, NIIl/co" O8nclllnll"n wll
ar,dlll'/lIr t It..loo dlYI
1,,",IY1I nl of "",ullallon,
d. l.iaI Of III . or a tub
~lIlln r ce h.. oa:
loIaor d. Illh. tlml
! Ihull ..rtm.d to Ih.
mllllo ! directly .
I. " pollel . Ice Q' cln
lb. mlll.1I III"~ at II
, rblb1l Ih. dlle or ta
;., ''''''I"al 'I ....10 oomp'y
~ ill I, con ,Of .:onl"
:. -IN lei Dr will b
t:t'~ ared d.y. b.
'. Ivl dall IIaUon,
tllr ru Ihe I"IU
mlnloo.r )' 'ppM.. NOT
l:eUlllon wi mlllld or d
II.t IlO dl Ih. elfe
cencellellooJ
T11illll)' may 1110 be c:Jocelll!d 'ro
U IICOY.ry I 1Il, ~ollc:y WB
Ih , trludull ltit.mlnls, om
CCln IlIIIInt or rl INIllrlallo the
0( I 'Mil ar 10 Ih rd aUllmed
,
,
."'Thl CANCl!U.ATION COmm1ll1 ""IIC'I CllIullflcn
. '11',re~IICld hy Ihl IcllIJWIOU:
J ~NCIU_ATlON
, t 1. Thu ""t Nornud Inlllr." ~hovlf1 In III" Oldll.
II rollonl mlV clII1cel Ihl. ~01lt'1 by wrlllnll ,,,
i giving nOllt. 0' clncellllllllO,
II. CAHcELLATIOH OF POLICIIII IN 1"101
'Olt LUll THAN 00 DAVit
i WI may r.anCtlllli. P<l1lC'/hy rn8111no or 11,-
" Itv"tnll to Ihe IIrll N.mod I"."red w,llIno
notice or .."",11.1":11I 011...1 30 dllY' bollJr.
t" thl alT. clivI dalo 01 clnc.llatlCJn,
T f' CANCelLATION OF POLICIIII IN 1'1'101
'0" 10 DAVU 011 "lOR I
'; Ir Ihll policy hu bll" 10 .lIlel fer 110 dayl IIr
~ mora Dr Ir Ihll P<lllr.y I. . ,.newII"r a poll",
f w. '"Uld, w. mlY t;Qnul thl, pull~'1 only ~"
ono or mol"lo( thl 'ulll1wlng IIalllIOt:
'. You he"" mod. . "....".1 mllrepruuo-
lit Ion which 11I":lt Ih. '",unlblllly ur thll
rilk, Nollen or '1IIc,lIalloll will he mall III
ur dollv".,J al IUBI 18 OIV' h'lfore the
elTedlvo d"le 01 c"oclnallon,
II, You hove IllIu'! to ~IY II Ilremlum wilnn
due, whllh.r Ihll promlulO 'e paVlbl. ul.
rldly 10 Ut Dr 11IIr 001010 lit Indirectly uo.
d.r 0 pr.mlum "n,n'lI Illao or "'''00100
0' credit. Nollee 0' CJInr.elllllo" will bl
mlllld at lelll IS 'lay, beror. Ihe .ITIC'
11'/. dl'l I)' cancellltlno.
.
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" III ~8 l)l HU
<:~Pvrluhl, In'UrtlICI Uervlces QmCll!li Inc., 1986, 19G
Cllllyrt~nt, IGQ C<1mmen:lul Alok 3nrvfcel, Inc" 1966, t8ll9
sep'~s ~ ~E BUSINESSOWNERS-
AGREEMENT
In return ler yeur paymenl cllhll prOlnlUITI. we pro~lou co~erogelsl Oewlbeo ,n IhlS pellcy oUllnQ Ihe PQIIC'I perled
SUeleCllo alllhe applicable lermB allhls PQllcy, Caverogelsl acp'y lar whl,;h a promlum laahewn In Ihe Oeclaraliena.
ValleuB prevlalanaln thla p~lIcy reslllcl clOver age. Reao Ihe enlllO PQllcy carelully Ie delarmlne rlghls. dullea ~nd whIt
IS and la nQI cavered,
ThraullheUllhla pallcl tho wards'yau" alld "yaur" reler ta Ihe Named Insured Ihawn In Ihe OeclarallQna. The wQrela
"we", "us" and "our" rlller Ie Ihe Campany prQVldlng IhlS ,nsurance,
The wQrd "Insured" means any peraan lOr arganlZOllan euallly,ng Il5 such under LIABILITY COVeRAGe Seelio" C-
Wha la an Insured.
Other werds ano phrcus Ihal appear In euelallen marlls have speCial meaning, Reier 110 SPllClllc Oellnlllena 50 alien
perlalnlnllle applicable covera.,lI.
COlv'ifv10N POLICY CONDITIONS
All ca~eraglls allhls policy are sublllOlle Ihlllollcwlng ccnCillcna
~r.J
A. CANCE\..\..ATION
" The IIrsl Namea Insured shOwn ,n Ihe Ceclara.
liQna mey cancel Ihls pellc'l by mailing or
dellvetlng Ie us advance wlIlIen nellce 01
ol!ncellalien,
2, We may cancellhls pellcy by mailing lOr deliver.
ing Ie Ihe IIrsl Named Insured wrlnen nellce 01
cancellallen allust:
e. 6 days belere Ihe eHecllvlI date ef can.
cellatlen II any lOne ollhe lollcwln~ concl.
lIanB el<ls\s al any building Ihalls Covereo
Praperly in IhlS policy,
(I) The buildlnll has been vacanl lOr uncc.
cUQled 60 lOr mere ccnsllcullve ooys.
ThiS ooes nel acply Ie:
(a) 6easanal uncccupancy: lOr
(b) BuildlnllS In Ihe ccurae 01 CIOn.
sltuclten. renovallen or ooolllon.
Buildings with 65'!, or mere 101 lhe
rental cnlls lOr lIeer area vacanl lOr
unQccupled are ccnsldered unoc.
cUQleo unQer IhlS prevlslen.
(2) Aller damage by 0 cevered cause 01
less. permanenl repalrslo lhe bUIIOlng:
(a) Have nel ,Iarled. and
(b) Have nel been cenlracled ler.
wtlhln 30 days ell",llal paymenl 01 less.
(3) The building has:
(a) An outslUMlng eroer Ie vacale,
(b) An eutslanc,ng demclitlon orcer,
or
(e) eoen declaree unsale by govern'
menial aulhOllly
SCP"CO tl<>I3'J1
(4) F'l<ec and salvageable ilems have
ceen or are being remevlld Irom the
cullQlng and are nol blllng replaoed.
ThiS OQes nct applY 110 such remQval
thai Is neceBBary or Incioenlal 10 any
renevatlQn 9r remooellng.
(5) Failure 110:
(a) Furnish necesury heal, waler.
sewer service lOr eleclr'cll y ler 30
consecuttVli cays or more. excepl
during a perieo 01 uasonal uncc.
cupanc'/: cr
(b) Pay property lal<es Ihal are eWlng
and have been eutSlanDlng fer
mar a Ihan 10M year lellowlnlllhe
dale due. el<Cepllhatthls preVISion
will not apply where 'leu are In a
bona lice dlspule Wllh lhe tal<lnll
aulherl! y regarding paymenl 01
such lal<es,
b. \0 oays belore Ihe el1eclive cale 101 can.
cellalion II we canceller nenpaymenl 101
premium.
C, 30 cays belcre the eHecllve dale QI can.
cellallen II we canceller any olher reB5tln,
3. We '11111 mall lOr deliver our nelice 10 the IIrsl
Nameo Insured's lasl mailing aQOress known
10 us.
4. Nellce 01 cancellallon '1111I 51 ale Ihe eHecllve
oale 01 cnncellallcn. The pOliCY perled '11111 eno
IOn Ihal cale.
5, IIlhls pelicy IS cancelled. we Will sene lhe 11151
Namec Insured any prem,um refune due II we
cancel. lhe reluno "ill be pre rala, II Ihe IIrsl
Named Insureo canoels, Ihe refune may be
less lhan pre rala. The cancellallon w,lI be
eHecl"e even ,I we ha~e nel meoe or eHeree a
relunc:
6, II nOl,CU IS /n 1111 II\! , p, ~I I"'III1IJ W,II ~U QIJIfI'
ClI/1l1 prool 01 nOl,cU
e, CHANGES
ThiS pollc'( C0/110InO 011 Ihll ngrllemllnl~ ~lIlvmun
you and uo C0/100rnl/1g Iho Inouro/100 nlfOlUPU Thll
IIIQI Nomlld Inourllr, onOW/1 ,n Ihll Ollolnrnllcns '0
nulhollZUo 10 mokll ohongllo III Ihll lerme 01 Ihlo
pollc'l wilh our con5llnl, ThiS POIlC'(S IOIm6 cnn ~II
omondlld or wolvOd only by onoolsomllnllssuoO by
us nno mnoo a part ollhls pOliCY
C, CONCEALMENT, MISREPRESENTATION OR
FRAUD
Thlo policy IS VOid In nny enoll ollrouo by you ns 'I
lolales 10 IhlS PQllc'( 01 ~ny IImllll'S also VOIO " you
er nny elhlll 'nsurllo, 01 any limo. 'nlllnllonnlly een,
cenl er mloreprUllnt 4 mall/rlOI 'OCI ,ence,nlng:
" ThiS POIiC'(
2, The Covereo P'epellY:
3. Your ,nternl ,n Ihe CO',I/Ieo P'operty: 01
4, A elnlm under Ihls pelicy
0, EXAMINATION OF YOUR BOOKS AND
RECORDS
Wo may onmln. and nuolt your ~oekS nM ,ecolas
as thoy relate 10 Ihls policy al any 11m. ounno 1M
policy p,,'eo ano liP 10 Ihree yenrs alll/r~arc
E, INSPECTIONS AND SURVEYS
We hllve Ihl/ right ~lIl are Ilot etllglllec 10
1. Milke InSPl/OllenS and SlIrve'IE al any IImll
2, G,ve yell reperts on Ihe ocncll'er.e he lir.c: and
3. Rocommend changes,
Any In6p.cllons, 6urveys, reports or reeommen<JIl'
lions rei ale only 10 Insurablllly ana Ihe premlllms 10
~. charoeo, We dO nol mllke anlDlY Inspectlens,
We dO not unoerlllke 10 perform IhI! ouly 01 any
p.rson or organl%allOn 10 provlee ler Ihe hUllh or
enlety 01 workers er the pllbliC ,lone we cc not
wllrrant Ihat Cendlllens:
1. Are sale or heollhlul: or
2. Comply with law5, regulnl,ons, coon or
stanollros,
ThiS conolllon 1I1111llee not only 10 liS. blll aleo IC any
rllllng. aovlsory, rille Sl/rVlce or e,mllllr orglll1l:ollon
WhiCh makU Insllrancll II1speellons, SlIrve'/s,
rllllOI1S or recommendallons.
F, INSURANCE UNDER TWO OR MORE
COVERAGES
IIlWO or more ollhlS pollo'/S ooverages apply 10 Ihe
eamlllou or oamage, wll Will nol pny more Inan Ihe
IICluat amollnt of Ihllloss or oomage
G, LIBERALIZATION
II we adopt any rQV'5,on thai "'olllo brO,loM 1M
coverage lIncer Ih'5 POIlC'1 ""Ihelll OCC,I'CMI prll'
m'lIm 'Nllh,n 45 Cloys prior 10 or ClIllr.g 1M COI'C'I
peru:Jd, the brCfloenec ~cy~ri)<;e will Imr":I~CI.ll~!.,.
aPPly 10 In,s PCI'O'I
H, OTHER W "IRAliCE
1. IIlh.,o '5 o( InSUlal'~U CC;UIII1Q Ihe sainI!
1055 or oomolJll, WQ Will pay cnlY lor Ihl! omcunl
cl eoverllo loss or onmoge ,n I!)CUSS 01 Ihe
nrnount oUlllrom Ihol 01l111r '"surnnco. whelher
yeu cnn eOIIo,,1 on II or nOl, Bul we Will nol poy
mo" Ulan Ihe appllcnble Llmll 01 Insuronc"
2, Busln.oo UDblllly Covernge IS o)ceu over any
cther Insuronc. Ihollnsures lor dlreCl phYSIcal
1055 0' dD/nDgll,
3. Wh.n IhlS InsurDnce IS ,)e055, WI/ WII! hay I no
~uly under BUSiness Llo~lIl1y CoveraOl 10
d,'end Dny claim or "sull"lhDllny Olher I"surer
has a dUly 10 oele"o, " no olher Inaurer
delendS, w. will undertnke 1000 eo: bul WI will
be enliUeo 10 Ihe InsureU'a "ghls ognlnal 011
111050 elher ,nSllre's.
I, PRIIMIUMS
1. T". 1I1st Nomeo InSllreo ahown In Ihe
OeelaralionS:
D, IS responsl~le lor 1M paymllnl el all pre-
mllll11S: ono
b, Will be Ihe pnyee lor pny relurn premiums
w. pay,
2, The premium ahown In Ihe Oeelorallons wos
ccmpuled ~ouo en rain ,n elillcl allhe Ilmll
lhe pelley wu Issueo, On each renllwal, con.
linUIlIon or annlve'EII'y ollhe effective 0011 01
IhlS polle'(, we Will cempllle the premium in
acccrdance With our raleS and rlllu Ihln In
lIIeel.
3, Wllh our consent, you may eonllnue Ihls policy
III fcree by paYing a conlinualion premium lor
eaCh auecesolve one-year pllrlOd, Thl pre.
mlum musl b.:
a, Paid to liS pnor to lhe anniversary date:
and
b, Olllermlned In aceoroance wllh paragruph
2. atove,
Cur lormo lhen In lllleel Will apply, II you 00 nOI
pay the eonlinuallcn premium, Ihls pellcy Will
..plIO on Ihe IIral anniversary OOIe Ihal WI!
hive nol recelvedlhe premium,
4. Und.ellred e)posures or change In YOllr busl'
nus operallon, aCQlJISllion or uoe olloeallons
may ocellr dunng the policy periOd Ihnt art not
shown In Ihe Deelllrollons, U so. we may
leOUl/e an aoollionlll prllmlum, Thai premium
Will be oelermlned In occordanell Wllh OU' 'Dies and rules Ihen In elleel,
J, TRANSFER OF RIGHTS OF RECOVERY
AGAINST OTHERS TO US
" Applicable 10 BlIslnusowners Procerty
coverage
II any person or organ,~ollon 10 or ler ...nom we
maHe paymonl uncer In,s POI'O'1 has "ghl5 10
'Ilceve' camages Irem anClher IhC51! "r,nI5
.
I
I
I '''.)
I
, ~"'~
'v
are Ironalerrell Ie U5 to I~d ~)IUI1I Cl cur ~a)'
",anl, Thill parson or <lrgenoall( nuet oc
Qvarythlng lleoauary 10 la I OUI ,,~hle are
mual do nOlhlng allar loa a to Impal( lI1ffl1, eul
Y04 may walva yeur /lgnl5 agalnal anolhar
pony In wrlUng:
a, PliO' Ie a 'oaa 10 ycur Covared Prcperty
b, Aller 11055 10 your Covarell Prcparty enlY
" II lime 01 1055, lhal pa,ly 10 an. 01 Ihe
following:
(1) Someone Inoureo by IhlS Inauronca:
(2) A bualnm fI,m:
(I) Ownad or ccnl,oilea by you; or
(bl Thai owno 0' conltolo you; or
(0) You, I.nanl,
You mlY alSo acc.pllh. uau.ll:llla ollllolng cr
shipping racalpla Ilmlllng Iha 111101111 y or camera
Thle '11111 nOI rUlllcl your Inau,anc.,
2. A~~IIl;JOII,J Ii.: G~tS"'l1tjj";'h"tl'~ l..,acl,d,
coveraga.
IIlhe 'naura~ J5 /lghlO 10 recover ail or pari el
any paymlnl WI hOVI maae unClar IhlO polle'/-
Ihoae lI-.hl8 are !,anoflmad 10 ua, The Inourell
mual dO nOlhlng aller Iou 10 ImpOII Ihem, AI au'
reQuul, lh. Inoured '11111 bring "aull" 0' I,anafer
Ihol. /lghll 10 uo and help UI anlo'c' Ih.m,
Thlo condition 1l0lla nol apply 10 Madlcal
e~p,nuo Coverage,
1(, TRANSFER OF YOUR RIGHTS ANC CUTIES
UNCIR THIS POl.ICY
You, Ilghll and aUlIlla unller Ihlo polley may nol be
lIanolarred wllheul eur wn"en conaenl UClpl III
Iha cau 01 dllllh 01 an IndiVidual Nam.d Inal/'oo,
iI you llle, you, rlghlO and llUIIBB '11111 bl I,anolerreo
10 you, Ilgal rapreaenllltlv. bUI OIlIY wnll, Ilcllng
wllhln Ih. aeope 0/ llulll' Be you, l.gll reprln.n.
lallvI, Unlll you, l.glll repreunlallv. II apPolnleo,
,nyone hllvlng p,op., IlmpO'Il'Y cualollY of your
proporly '11111 hav, your /lghla and dullU bul onlY
wllh rupect 10 thai p'Oj;;erly.
PROPERTY COVERAGE
A, COVERAGE
We '11111 PlY 10' olrect phyBicallou cl or damage
10 Covellll procerty III I"e cremlua OtlCIIl:eo ,n
Ihe Olclarallona cauuo by or relultl/lg Ircm any
Covered Cauu of Lou,
1. Covered P,operly
Covered Property, as uead In Ihll CCllc'(, meanl
Ihe following Iypel of p,ccerly for whiCh & l.lmll
cf Insurance Illhown 'n Ine Oeclarllllcna;
a, Bulldlnga, mUnlng Ihe CUlllllngl IIn<l
I!/UCIural althe cramllU oelcrll:eo ,n Ine
Oeclorallona, InclUding:
(1) COmpl81ed lOdlllMe:
(2) perman.nlly Inalalled:
(I) FlxlUlea:
(bl MaChinery; anll
(0) Equlpmenl;
(:I) Your persenal property ,n aperlmanla
0' room I furniShed bj you 45lanlllcro;
(4) OUlooor IIXlurel:
(Ill Pe'lonll property ownell by you Ihal'l
used 10 mllnleln or ser'IICl1 Iha bUllo,
Ingl or ItruCMes or tno premlOllI,
Incluolng:
(I) Fila eXlln9u,sn'"9 Qou,pme"t.
(b) Oulooor lurMilura.
(c) Floor oovo"n91 ano
(d) Applllnc:ea uoed for refrlgeratln9,
v.nllllllng, COCking, lllahwas~"ng
0' lIunol/lng;
(Ill II nOI coveree cy olher Inaurance:
(I) Adlllllenl unOlr conalrucllon,
IIlI,allenl and repalllte tha oUllo.
Inga or alluclu,as:
(b) Malerllll, equlpmant. supplies
and lemporary al,ucluru, on or
wllhln 100 feel of Ine oucllcec
premls", uue for ma_lng acc"
lionS, alterallons or recalls to lno
I:ullolngs 0' 5lructurea,
b. BUllnlu Perlenal P,operly localed In or
en Ih. bulldlngl allhe llascllbell premises
0' In Ihe open (or In a venlcle) wllhln lOa
feal of Ihe Oesolll:lO prltmlSU, 'ncluol/lg:
(11 Proparly you own Ihalls uaallln yeur
buslneaa:
(2) ProperlY of olhera Ihal'I'" your eare.
CU5l0dy or conlrol; and
(:I) Tanllnl'l Improvemenll anll beller.
m.nta. Imp,ovamenls ano CeI.
lermenls Ira IIxluru, alleratlonl,
Inllalllllon3 or Boelllonl
(a) Maee a part of the ou"e,n9 er
IlruClure yeu oceupy CUi ce nel
Own, ono
3
(b) 'Iou at' ~ll 0' monn at YOu,
UXpUl10U bul 'l1not InQully
r"novo,
2, Propllty Not covlred
Coverld Propurly dollS nOI,nclude:
I, Alrcroll, oUlomoblluo, molorlrucko onCl
Olher vehlclU oubllCI 10 molOl vlhlclu
"gIOlrallon;
b, Bullion, monly or necurllilS;
0, CQnlracond, or proplrly III Ihl oourn 01
lIIegollranoporlollon or trode;
d, Lnnd (Including land on WhICh thll property
lalocaled). waler. growing cropo or lawns;
I, Ouldcor Ilnceo, radl.:! or lalevlSlon onlun.
nIlS, Including Ihe" lud.ln Wiling, maslo or
lowers. signs (olher Ihan SIlins allGched 10
buildlngsl, lren, shrubs or pl5nl5, all
excepl D5 provided In Ihe:
(1) Ouldoor Properly CoverallO exten.
Slcn: or
(2) Culdca' S'gno CpltCnal Cove/olle,
I, WalercrallllnclUOlnll molors, oQulpmenl
ano acconollesl whll. alloat.
3, Covered CauBes of Lou
RISKS OF DIRECT PHySICAL LOSS unle05
Ih. lous IS:
I, Excluded In Section B" ExcluSlcns: or
b, Llmlled ,n Paragraph A4 , Llm,taltona:
Innl follow,
4, LlmltaUons
I, We will nOI pay for Ion 01 cr damage 10'
(1) Slum bOilers, Slum PIPU, sleam.
Inglne5 or Slum lurClnu couaed by
or Itsulllnglrom any condllton or event
InslO' such equipment. Bul we Will pay
for Ion of or oamage 10 such eClUlp'
m.nl oauned by or reoulllng Irom an
explOSion 01 gasu or luel wllh,n Ihe
lurnace 01 any III no VUUI cr wllhln Ihe
lIun or pusages Ihrough which Ihe
gun 01 combuollon psu,
(2) Hal wallr bOilers or olher waler heal.
Ing equlpmenl caused by or resulllng
Irom any condlllon or evenllnsloe auch
bOilers or equipment. other Ihan an
explOOlon.
(0) Properly Ihalla mlSOlng, bullhere IS no
phYSical evldenc' 10 ahow whlll hap.
peneo loll, such as shorl8ge dlscloud
on laking Invenlory, Thlo ltmlllllton
oon nOI apply 10 Ihe Opllonal
Coverage lor Money ano Securl\lu
(4) Property Inal hao been Iranslerreo 10 11
pelson or 10 a plllCQ oul~,oe Ihe
oucllbe~ premises on 1M bnslG of
unauthollzed ,nwuct,cns
b, WI' 01,11 ,,,,1 PIlY 1110' a lor I~bb 01 or cnl11a!)o
Ie a$ IjullG part 01 0 bUII<llflll or Wu<;tula
Ihan $11 or anch plaia, pane, ,"ulll~IQ
plal~ Insulalino unll, IMlanl or Golar heal'
,no panel, laIOUSIQ, louver or shuller, WQ
....tll nol pny mOl a Ihllfl seoe for oIlIC$S 01 or
ol1moge 10 ~ullCllno Qlass thai OCCUIS at any
one lime,
Thl~ LJmllallon ooes nol apply 10 Iou or
damage by Ihe "5pI/Cllled cauu~ 01 loss",
e~eePI vandalism,
c, Wo will nOI pay lor Iou 01 or damage 10
Iragll, arlloll/S such 115 olauware, slatuary,
malbles, chlnaware llnd porcelains, If bro.
ken, unleSS clluud by the "speci/llld
CBU5U of lou" or building glllsS breakag~,
ThiS realtlcllon ooes not apply 10
(1) GluO Ihal IS part 01 a buildlno or
Sllucture ;
(2) ConlBln~rs 01 properly h~ld lor sale; or
(0) Pholographlc or sClenllllc Insllumenl
l~nUs
d, II 'Thelllr,cluoec" 's'ndICalec ,n Ihe Decln.
rallons; losS or oamage by Ihell lor Ihe
hlllowlng Iypes 01 properl't are covered
onlY up 19 Ihe IIml15 shown,
(1) S2,eOO lor Iurs, lur garmenls one ga',
menlllnmm~d wllh fur.
(2) 52,eOO lor lewelry, watches, walch
mov.menIS, lewels, pealls, precIous
and seml.preclous slones, bullion,
gOld, Sillier, plallnum ano olher pre.
CiOUS alloys or metalS, ThiS IImil does
nel soPly 10 Jewelry ana walche5 worlh
$100 or Ie.. per lIem,
(0) S2.600 for panerno, elles, molOs ano
lorms,
5, Additional COllerages
a, Olbrls Rlmolllill
(1) We will pay your expenae Iv remove
de~n5 of Covered Properly CllU5l0 ~y
or ruul1lngllom a Covereo Cause 01
Lon Ihal occurs oullng Ihe policy
pellod, TI,e expeneeo Will be paid only
If Ihey are reporlld 10 U$ In Willing
wllhln ,eo days ollhe earlier 01'
(0) The dale 01 dlrecl phYOlcal Ion or
damage; or
(b) Th~ end ollhe policy pellod.
(2) Th. m051 we will pay unoer IhlS AdOI'
lional Covl/llge IS 25',.01:
(a) ThE amounl we pay lor Ihe Ollec\
PhYSIClll 1055 01 or oomage \0
Covered Property: pluS
(b) The deducllble ,n Ih'S polic'/
IIpplicllble 10 IhallosS or oamage
4
6UllhlsllrnllallCI1" -1511, ;r.ly 10 BI1Y
addlllonal d~l ,r~movBI 1111111
pro'lld~d In parBurapn (4) ~oIOW,
(0) Thla Addlliol101 CO'lerooe dCIIO 1101
apply 10 coals 10'
(a) E~trocl "poIlUlanla" /rom lar.tl or
waler: or
(b) RernovII, rulore or replace pol,
luled 10M or waler.
~l
(4) If:
(a) The sum 0/ dlrecl pnyalcalloSB or
damage Ind debriS removal
e~penaot exceeds 1M Llmll 01
Insurance: or
(b) The debri5 ,.movol exPMU
exceeda Ihe amounl payable
Under Ihe 2e~'. Oeo/ls Remc'lol
eov~ra<;e IImllallonln paraorapn
(2) above:
we will pny up 10 an adolllcnal 55,000
lor nch locallcn In anyone occur,
renca under Ihe Oebrla "'e",oval
Additional Coverage,
b. PrnervIlIon 01 ProperlY
II Ilia necessary 10 move Covered Precerly
Irem Ihe descnced premises 10 preurve 'I
Irom loss or dama~e by a Covered Cauae
of Lou, we will pay ler any olrecl phYSical
Iou 01 or dam/l<;e 10 Ihal properlY'
(1) While Ills celng meved or while tem-
porarily slored al anolher lecalicn: and
(:l) Only II Ihe 105S or damage occurs
wllhln 10 daya aller Ihe property 'a IIrsl
moved,
c, Fire Ceparttnenl Service Charlie
Whenlhe fire oeportmenlls called 10 save
or protect Covered PrcperlY Irom a Cov-
ered Cause 01 Loas, we Will pay UP to
$1,000 lor ycUr lIaolllly lor lire oeparlmerl
aervlce charges:
(1) Assumed by contrncl or ngreemenl
pnor to loss; or
(:l) ReQuired by Iccal crdlnonce,
<I, Collapse
We Will 00'1' lor 1055 or camage caused by or
rnulllng Irom nsKs 01 direct phYSical 1055
InvolVing collapse 01 a bUilding or any parI
of a building caused cnly by one or more 01
Ihe lollowlng:
(1) The "specllled causes 01 IOS5" 0'
breakage 01 bUllclng glas5, all only u
IMured agalnsl in thiS ~oIiC'I;
(2) Hidden oecay:
(3) Hidden ,n5ecl or vermin oamage,
(4) We'ght 01 .eCple or pe.scnal property:
(5) We'gnl 01 '11,0, IMI collecls on 11 rool:
',@
(6) U~.. 01 ~IJ IVU mOlOrlal Of 1110lhCOS ,,,
C\ rUOIIl)n, remotlOlln~ or ronovnllo"
IIlhe collnpeo o'~curs dlJ/lnlllM courSII
01 the oonal/lICIIon, r011l00011l"1 or
renovallon,
We will nol pay lor 105S 01 or d0l1loll0 Ie 1118
folloWlnOlyplla 01 propllrty, it clherwlse
covered II11hlS policy, Ul1dor Ilems t~l, (3),
(4), (6) aM (6) unleBB Ihll loss or oa/110lle 'S
11 dlrecl resull of 1I1e collopse 01 a CUI10II10:
IlWl1ln\ls: \lUllerS ar,d oOWI1SPllIIIs:
yard 1I)\Urlls: ouldoor swimming POllls:
piers, whorvea al1d tlocxs: bencn or
diving plollorms or appurtenal1cll5:
relall1lng walls: wOlks. ronoways allc
oll,er poved surlnces,
Collapell d01l5 nOl,ncluoe 5Qllling, crac"
lng, ShrlnKaoe, t:ulglng or Q)pans,on
e, Water Camage
II loss or da/11al)u causae ty or rasulllnll
Irom covereo waler er Olhar 1I0UIC, j::owder
or mollen mUlenal oamaoe1os5 occura, we
Will also pay Ihe cosllO lear JUI and replace
any pari 01 Ihe building or slruclure to
",pair domngll 10 Ihe ~yslern or appliance
Irem whiCh Ihe waler or olner su!:lSlanCe
escapes,
We will nol pay Ihe cost to repall any oelecl
thai cauaed lhe 10BB cr camage but we Will
pay the coal 10 re.511 or replace oamagec
parts 01 lire olll1gUlsnln'i] eoulPmenllllhe
oamo<;e:
(1) RosulIs In discharge 01 any subSlance
Irom an aUlomallC lire prOlecllon sys'
lem: or
(:l) 15 olroclly cau5l!d by Iree~lnlt.
r. Buelnlu Inoome
We will pay lor the Bcluall05s 01 eus,ness
Inoomo you suslaln cue 10 Ine necessary
suspenSion 01 ycur "operallons' durtr'9 1M
"period of reslorallon", TI1e suspen5,on
musl be caused by dlrecl phY5,cal1os5 ot or
damage 10 properly allhe oesClloec crem.
ISII5, IncluClng p"son.11 proper! y ,n the
opln (or In a vehicle) w'ln,n lee leel.
causeo by or re5ulllng Irom any Covereo
Cause 01 Loss,
We will orlly pay lor loss 01 eus,ness
Inccme Ihal occurs wllhln , ~ consecutive
monlhs aller lhe oale of dllecl phYS",11IOS5
or oamBga. ThiS AOClllonal Coveralte 's nOI
sut:jeCIIO Ihe L,mlls 01 Insurance,
BUSiness Income means 1M
(Il Nellncome (Nel Prolll or LC5S belore
Income laxe5) mal woulO nave !:leen
earneC or Incurreo: ano
(2) Conllnu,ng normal ooer31,ng e.,
.enses ,ncurred, 'nclua,ng P,lyreil
5
g, Extra Expens'.
Wo will pay necossar) .tra E,~e"~e ,cu
Incur dUtlng Ihe "pOtlCd cl 'elloallcn ' Ihul
you wOUld nol hr1ve Incur/ec ,I Ihere haG
bun no dlrecl physical 'CII cr Jama~e '0
properlY allhe d"sctlbed premluel, ,nCIUC'
InU personal property Inlhe opun lor ,n a
vehle'e' Wllhll1 lOO leel. cauUd by cr
ruulll"g from a Covered Cause cl Lcss
Exlra Expenle means operle 'ncurred
(1) To avoid or minimize I~e IUIPellllcn cl
buslnell and 10 conllnue 'cperallons'
(II) Allhe desctlbed prem'ses. or
(b) Al replacemenl premlus or al
lemporary Iccallorl, ,nCludlng
(I) Relccalldn ,xcense5, alld
(II) Cdels 10 edUIC alld ccerale Ihe
replacemenl or lemperar'l
locallons,
(2) To minimize Ihe lua~ells,cr el C~S"
neu II you cannel cenl'nue
"opera lions" .
(3) (II) To repall or replace any prccerty.
or
(b) To ,uearch, recloee or res lore 1M
1011ln/ormallon cn cama~ed valu,
able papers anc reccrca:
to Ihe ,xlentlt recucn Ihe amount of
lose lhal olherwlse wculC have ceen
payabl, uncer Ih'$ ACd'l,cnal
Coverage or ACClllcnal Ccvera~e I"
6usln,IS Income,
We Will onlY pay fcr Exlra E'~ense thai
occurs wllhln t 2 conlecutlve mcnlhs aller
the date of direct physical !css or camalle.
ThiS Addlllonal Coverage ,s not Iuclect 10
the Llmlls of Insurance
h. Pollutanl Clun Up ond Removal
We Will pay your expense 10 exlract "pcllu.
lants" from land or waler at Ihe oescnced
premlsea If the reluse, elscharge or dls.
persal of Ihe "pollutantS" IS causee oy or
reaults from a Covered Cause cf lOls tnal
occurs eurlno tM POI'C'I penoe, The
expenses w,lI be palc only ,f Iney are
repOrled 10 US 'n wnllng w'th,n I eo days 01
Ine earlier of:
(1) The date of dllecl pnys,cOI Iou or
damage: or
(:I) The end of Ihe pollc'l cellce
The mOIl we Will pay lor eaCh Iccollon
under IhiS Addllional Coverage 'I StO,COO
for Ihe lum of all SUCh ~xcenses 3ns'ng
oul 01 Covered Causel el Less occur""9
dUlln9 eacn separale I: ",onln cenco 01
thiS policy
I, , 'ounts Reclllvobl.
,-
(1) W. I pay 011 amounls dU~ from your
customers Ihal you ore unable 10 col.
leet or olhor reasonobhl e~pensos Ihat
you Incur 10 reestablleh your ,ecoros 01
accounls receivable Ihal resull Irom
direct physlcaf Iou or damage by any
Covered Cause 0' Loss 10 your reccres
01 accounls recOlvoble,
(:2) The mosl we will pay under thiS AdcI.
1I0nal Covllrage Is $5,000 unlen 011"
e/W11e Indlcateo In Ihe Declaralions for
Ihls Coverage,
(3) Any IncreaUd IImll Indicated In the
D,clarallone lor Accounls Recelvacle
Will supersede the limit under IhlS AdOI.
lional Covorage, In addll/on, for
Accounts Receivable nOI at the
ducrlbed premlns, tne moal we Will
pay Is 52,500 or 2e~. 01 the Acccunll
Receivable IImll, whlcnever IS less.
(4) ThiS Addlllonal Coverage 's nCI sub/er.1
10 the Limits of Insurance,
(5) The loll owing exclusions 00 nOI acPIV'
6," 0, b, e. g; 6,2, excepl g, h, anc I,
unleu "Ttlllt" coverage IS InclUded,
and B.4,
e, Coverage Exlenslons
In addllion 10 Iho Limits 0/ Insurance, ycu may
exlend the Inauranee prOVided by InlS PCllcy as
provided beloW:
Except as olherwlse provided, Ihe f~IIOWlng
Extensions In respecI to personal prcperlY,
apply to property loealed In or en Ihe cUllelng
desCribed in the Oeclarallons or In the ceen (cr
In I vehicle) wllhln 100 feel of Ihe oesc/lcee
premises,
a, Bulld'ng and Personal Propedy 01
Newly Acquired Premises
(II You may extend the Insurance thai
applies 10 Buildings to aeely 10 Inal
property at any premlus you acqwe
or 10 new buildings and new atruclures
being constructed on Ihe descllbed
premlsea, The most we will pay Icr loss
or eamage under thiS extenSion IS
5100,000,
(:2) You may exlend the Insurance Ihal
applies 10 Business Personal Property
to apply 10 thai property al any premo
Isel you acquire,
The moet we will pay for los~ or
damage under Inla I!xlenSlon IS
52e,000 al each premlUs,
(:I) Inaurance under Ihls Exlens'cn Icr each newly acqUIred premises w,lI ene
when any 01 the follow,ng IIrsl cccurs
(sl ThiS pOllt'l exolles
6
(Ill ~o ooya ~~plre allQr .. a~QUIIU or
bBQln COM' lion Ihe nuw
premlau; 01
(II) You report valun 10 ua.
We will Charge you eddlllonal prel1wm
lor velun reporled Irom 1M Oale you
aCQuire Ihe premlan,
b, Pllllon.1 Property OH Preml.u
(I) You may e~land 1111 Inaurance thaI
applln 10 aualne" Peraonal Ptcperty
10 apply 10 covered I!Ualneu PeraonBl
Property, olher Ihan money and
lecunliU, while It illn couru ollran,,1
or Ilmporarlly al a premlaee you 00 nOI
own, 11511 or operale. The meat we
will pay lor 10Ba or damaoe Undor Ihla
e~llnalon IS 51.000.
(2) For Buslnose Peraonal PrOPIlr\y In
Tranlll, Ihe IImlllnol~atud In Ihe CIl~la'
rallons Will luperalldll the limit unoer
Ihll e~lenalOn'
I
i <)
I
I
I
c, outdoor Property
'You may e~lend thlllnaurance prcvlded by
thiS polle-IIO apply to ycur outoeor lencn,
radio Ind le'eVlalon antennae, Slona (olher
Ih,n Ilonl allaehed Ie bUllOlnoal, trns,
ahruba and planla, IncludinG deOlla
removal e~penu, causeo \:y or rnulllno
Irom any 01 the lollowlng causes cl loaa:
(II Fire;
(2) I.JOhtnlng;
(0) E~ploSlon;
(4) Riot or CIVil Commollon; or
(5) Alrc/alt,
Thll moal we will pay lor Ion or damaoe
under Ihla E~tanSlOn 'B 51.000, bul not
mall lhan 5250 lor anyone Itn, anrub
or planl,
d, Valuable Papers and Records
(I) We will pay lor direct phyalcal Iou or
domaOIl 10 ValuaOle Papers anc~ Rec'
ords InCludino your caSillO resurch or
realore Ihe loal ,nlormalion or loat or
damaoed valuable pallers and IIICOrCS
Irom any of Ihe Coverao Cauua 01
Loas, The moat we will pay lor toes or
damooe in anyone occurrence 15
55,000 at each oncrlbeo plemlsn
unltU a higher IImll la shown ,n the
eecla/aliona 101lhlS ~overogll In aool'
lion, lor Valuable Fap.rs and RII~eros,
Ihe Peraonal Propelly 011 Plem,aea
Covelage exlenslon Ilmll,n ,Iem A 6 b
IS ,eplaceo by 52,500 0' 25", 01 the
Valuoole Pap~rs Dna Re~oIOS l,m,l.
....h'Chever ,$ tllSS
~
(2) '/al~atlij ~. -ijri a"~ Rij~crCi Il1UDr',b
II'" 'be~ IInleo or WillieI' do~u'
m.. ,a, manuacnpta, recoros; In~luolno
abGltecta, bookS, o.edG, orawlnga.
IIlmG, mapa, or morlgageG cut doeB nol
mean money ana secuIIIIUS, ~on'
verled oata or proorama or 'nalrucllons
as purt 01 COla prOCUGlnO ope/allcns
(3) Th. 10liowlng exclu$lonO dO nol a~llly
a,' .. b, e. \1: B,2, ocepl g, h. ana I
unlen "Theil" coverage IS Includeo
and a,4,
I, Flrlt bllngulshllr R.charge
You may e~t.nd th. inaurance provided by
thIS policy to e~penua Incurreo 10
recharoe a pcrtable lire '~lInouIBher eller
ile uu 10 contain or ~onlrol a lire al Ih~
oescrlb~o premises,
I, Arson Inlormallon
We will pay se ,ceo lor Inlormallon whl~h
leaos 10 an al~cn conv'~lIon ,n ~O""II~I,~n
With a lire Ion cove,ed undel \tIlS P~II~'I
ThIS la Il1e mosl we will pay regalolea5 Cf
Ihe numce, 01 ~Ialms or pllrsons ,nvclvllc.
a, EXCLUSIONS
" W. will not pey 101 10$1 or damagll ~oueeo
clreclly 01 'ndlre~IIY by any 01 the fcllowlnO
Such IoU 01 oamage ia exclud.o "\la/olus 01
any olher cause or eventlhat conlnbulea ~on.
currenlly or In any UQuen~e 10 Ihll loa5,
a, Ordinance or Law
Th. enlorcem.nt 01 any orOlnan~e or law
(II Regulallno th. ~on5ltuCIIOn, use 0'
repal/ 01 any property; or
(2) ReqUIting the IIallng oown 01 any
properlY, Incluolno Ihe ~oSI 01 remov,
'no Ita oec/la.
b, Earth Movement
(I) Any earth movement (olhellhan 5,n.'
Mle ~ollapul, such as an eellhQua.e
landslloe, mme aubsloen~e or earth
"nklng. 1151nO 01 shllllno, BuI,llon 0'
oamage I.ly lire or oplOSlon ruulta, we
will pey 10/ Ihal luulllng Ion 0'
damaoe.
(2) VolcaniC eruption, explOSion or ellu'
sian, But II Ion 01 oamaoe Oy lire,
bullolng glan bleakage or vol~an,~
aCtion results, we WIll pay lor lhat
resultIng Iou 01 damage
VolcaniC action means olre~1 lOSS or
damao' ,'esultlng 110m lhe erupt,cn 01
a volcano when 1M loss or oamage 's
cauaeo by'
(a) AI/corne volcanl~ clast 01 Dllcorne
aheCk waves,
(b) ASh. OUSI. or part,~ulale matW or
7
(11) LllvO IIc
All VOlcaniC urupllcl 101 occur 1'1'11""
any 1I111.hQur pl/IIO~ will CO"~IIIWIQ 0
alng'e OCCWencu
Volcllnlc acllen doe a nOI InCIUdU Ihe
cOil 10 remove IUh, dual or PQrliCUIOIO
maltel thai dOl/a nOI COUIO direct PhYB'
leal Iou 01 or damage 10 COVQreo
Property,
c. Gcvl/nm.ntol AoUon
eelzure or deatluclICn el properly by Clo,r
olgcvernmenlal outhellly,
But we will pay lor ocla 01 dulruCllQn
orlllled by govern menial aulhorlty aM
laken al the lime 01 Q lire to prevenl ,ta
aprud, II the lire WOUld be coverao UMer
thlB pOlle"
d, Nuclemr Homd
Nucluf rear.tlon or roolQlion, or roOloocllW
eontamlnlllion, however CQUled
But II IOU or tJomllge by lire leaulla, Wll /1111
poy ler thllt rnUlllngloal 0" domoga
e, Power Fllllurl
The IQllure 01 ~ower or other ullllty sarv'ce
aupplied to Ihe ductlced premlau,
however caused, 1IIIIelallure occura aWQY
from the desenbed premlan.
But II Iou or damage by a Covello eQUIl!
01 Loaa relUIlS, we will pay ler IMt resulllng
losa or damage,
" War and MIlitary Aellon
(1) War, Inchlclng undeclQreO or CIVil war;
(2) Wolllko aetlon by a mllllQry loree,
InClUding action In hlnaerlng or aelena.
Ing against an aClual or expecled
anllr,:k, by I1ny government, aoverelgn
or other authority ullng mllllary per.
aonne' or olher agenll: or
(3) Insurrection. rebellion, revolullon,
usurped power, or aClion la~en by gOY'
ernmental authomy In hlMellng or
delendlng agalnat any 01 theu.
g, Water
(1) Flood, aurlace waler, waves, lion,
tidal wavu. overllow 01 any beay 01
WGter, or the" spray, all whelher onven
by Wind or not;
(2) MUdsllde or mudllow:
(3) Water that books up Irom a Silwer or
dIGIn: or
(4) Waler unaer the ground sunoce preIS'
Ing on, or flowing or aee~lng through'
(a) Foundallonl, walls, 1I00r~ or
paved surIOCDS:
(b) Balemenll, whelhor pavecl or nOI:
or
(0) Door5. w,nclOW5 or ClhQ' c~e",nqG
Blll,I \- . 01 cla,"~VU uy '"V, ~"'C~";1l or SPIll"
~llIr It ,II' r~5ulla, WO will puy lor thol '"Bull'
,no loss or cage
2, We Will not poy ler IoU or clomogQ OQUlea by or
reaulllr,g Irom Qny 01 the !oiloIVlng:
I, II.olrlllal ApparalUsl ArlllIClally goner.
aled electriC cultenl, InCluding elect"e Irc'
"'g, lhat dllturbl eletlrlcQI tlevlclI,
appllancn or Wllea,
Buill IOU or damage by lire IIfIUlls, we Will
p,y lor thaI resulllng 101D or damag.,
b, Conllqulnllll Lounl Oelay, Iou 01 use
or 10lS 01 malket.
c, Smokl, Vlpor, Gill Smoke, vapor or gllS
Irom agrleullurQI amudglng or IMUllrlal
operllllcl's,
d, Malnllnanel Typu 01 Loul
(1) Wur ano tear:
(2) Rual, corrOllem. lungvl, decoy, tletell'
orallan, hltlden or la"nl delect or any
QUllllty In property Ihol CDUseD II 10
damage or dllStrOY Illell:
(3) Smog;
(4) Sellling, craCking, ahllnklng or
e~panDlan:
(5) Innels, b"tls, rodenll or other
'",mall:
(e) Mechanical bru~ooIVn, InCluclng IUP'
lure or burl ling CDuseo cy c~ntn'ugal
lorop: or
(7) The loiluwlng cllum 01 lOBI 10 per.
sonal property:
(I) Dampnua 01 arynua 01
almosphere;
(b) Changu In or ell/emu ot tem.
perature: or
(0) Marring or screlChlng,
Bul II Iou or damage by the "specllled
eausn 01 IOU' or bUllOlng glala brea~oge
ruulll. we will pay lor Ihal lelulllng 10la or
dlmage,
e, Sllllm Apparalusl ExplOllon 01 sleam
bOII"'I, a'eam p,pu, $learn englnea or
aleam lurblnel owned or leased by you, or
Operaled unaer your conlrol. 8ul,IIoII or
damage by lire or comCusllon explOSion
resulll, we will pay lor Ihal reDulllng 1011 or
damage, We will also pay lor 10Sl or
damage causeo by or leaulllng Irom Ihe
explOSion 01 \laDel or Ivel Wllhln Ihe fur,
nace 01 any hred velsel cr wllhln the lIulls
or pauagu Ihrough IVn'ch IhQ gaseD ell
combulllon paIs
I, Frozen Plumbing: W~w. Olher I'CU'elG
~"woer or moll en m~ie"a' thai lea.s or
Po
..,
1I0ws Irom plumblnQ ~~Ol all ccn.
dlllonlng or olher ec; nenl \~xc.pl IIr~
protective aystema) couaed by or ruulllng
Irom lreezlng, unleaa:
(1) You do your beallo malnlaln hunt In Ih~
building or slruClure: or
(2) You drain It,. ~Qulpment and shut 011
the aupply Illhe heatla not maintaln.d,
g, OllhonUIYI Olahonest or criminal act by
you, any 01 your partners, employeea,
dlreotora, trustees, authorized repreun'
laUves or anyone 10 whom you entruat Ihe
property lor any purpou:
(1) ACllng alone or In collualon wilh others:
or
(2) Whelher or nol occurring <luting Ihe
houra 01 employment
This exclualon dou nol apply 10 nCla 01
dll5ltucllon by your employeu: bullhUlt by
employeu la nol covered,
h, FaIn Ptelenu: Volunlnry pnrting with
any prcperty by you or anyone elu 10
whom you have entruateo Ihe property II
Induceo 10 dO ao by any IrBudulenl
acheme, Inck, deVice or Inlae prelenae,
I, Expond Properlyt Flaln, anow, Ice or
aleet 10 p"aonal property In Ihe op.n.
I. Collapnl Collapae, except aa provloed In
Ihe ,\Odlllonal Coverage lor Collapn, BuIll
lOll or damage by a Covered Cnuu 01
Lou ruulta allhe deacnbed premlua, we
will pay lor thaI ruulllng Iou or damage,
k, pollullonr We will not pay lor Ion or
damage cauoed by or ruulllng Irom Ihe
relean, discharge or dlapersal of .pollu.
tants" unless Ihe releaae, dlachArge or dla.
persal Is Ilaell caused by an'l of Ihe
"sp.cl!led caualS 01 loao", But II Ion or
damage by Ihe "specllled causss 01 Ion"
tasulls, we will pay tor the r..ultlng
damage caused by Ih. "apecllled cnuse
011081,"
\, Theflt We will not pay lor Ion or dnmog.lo
SlJslness Peraonal Properly caune by or
resulllng Irom Ihell,
BIJI w. will pay lor:
(1) Loas or damage IhIll occlJra due 10
loollng allhe time and place 01 a rlol or
CIVil commotion: or
(2) Building damage clluaed by Ihe crellk.
In~ In or eXIling 01 burglara,
~. We Will nOI pllY lor loaa or damage clluled by or
resulllng Irom any 01 the !ollowtng. Bul'! lOll or
damage by a Covered Cause 01 Loal resullS,
we w,lI pay Ie' thaI resu",ng 10lS or Camage
~
I, Wealh~r Con' Hlal Wllolhe, ccnclllcn~,
Byl th xclu~,~n only Ilpplles II weather
condition a contrlbulo In any way wllh a
cauae or event ..cluded In pllragraph I,
acovo 10 preduce 1I1e loa~ or damage
b, "'cla or Oeoil510nsl Acls or declalons,
IncllJdlng Ihe lallu" 10 act or decloe, 01 any
person, grclJP, organlZlltlon or governnl"n.
101 bOdY,
1/, Negligent Workl FalJlly, InadeQuale or
dlllecllve:
(ll Planning, zoning, development. sur.
veylnll, sillng:
(2) Oulgn, speclllclllIons, wor~manahIP,
ropall, conalructlOn, renovallon,
remOdeling, grading, compaction;
(~) Mol8nalo USDa In repall, cenolruClten,
renovallo" or rernOdellng; or
(4) Mlllnl8nBncll:
of parlor 011 01 Bny property on el ~'i :I',e
duacnbed prunllUS,
4, Buslneu Income and blrll Exp.nse !lxclu.
.Illnll. We will nol poy lor:
a, Any Exlra Expense, or Increase el BU~I'
nen Inccme lo~S, cllustJd cy or I8sulllng
Irem:
(1) Oelay 'n rebuilding. repairing or 'eplac'
Inq Ihe propetly or rllaumlng "opera.
Ilona", dlJe 10 InlUrlerence al Ihe
10cllllon 01 the rebuilding, replltr er
rllplacemenl by SlrlkerS el olher pe..
sons: or
(2) Suspension, lapse or concellllllOn 01
any IIcense.leea. or conlroct. BuIll tho
auspenslon, lopse or cancellallon 15
directly cauud by Ihe aU5penslon cl
"operallons", we will cover 5UCn le55
Ihal aHeels your BU5Ine~~ Income cur.
ing Ihe .penod 01 restorallon"
b, Any olher eOn5eQuenllollosS.
5, Valuable Paperll ond Records and Aecounl~
Recelveble Exclualonl, We Will nol pay ler:
e. Errors or emls~iona In procening or cepy'
Ing of Valunble Papers and ReeereS. or
bookkeeping, accounllng or cllllng errors er
omlUlons,
b. Electnclll or magnello Inlury, Clslurcance or
erasure 01 oleclronlo I8coro,ng5 e~cepl
IIghlnlng,
c. Allerallon. lalslliellllon, concealment or
OulluCllon 01 recoroB 01 accounls recetva.
Ote done 10 conceal lhe wrenglul giving,
loolng or wllhholdlng 01 meney, ser,ulllillS
01 olher properly,
d, Len er dnmllge lhal recUltes any auo,l cl
recerCs or ,nvlllllory compula.lien Ie prove
115 tactual eXlSlllnce,
~
C, LIMITS OF INSUAANC ll, PROPIiP' , LOSS CONDITIONS
1. The mOdi WIl '11111 p~y lor 1m 'di.1/110{jt1 11'1 11"Y 1. Abon"onfl1
one occurrllnce Id 1I1e a~pllc~ele L,n,1I clll,,;..r, Thllre can bll 110 abnnlJOnmllnl 01 any propetly
once dhown 111 !tIll Cllclornllon6. 10 ue,
2, The moel WII '11111 pay lor laos 01 or OJl11auu to 2, Appraldal
Ouluoor elgnd ellachllll 10 IlUlloll1ue 16 SICC'; II we ano you 0160greu on Ihe omounl 01 106e,
per 51gl1 1/1 any onll occurruncu. ellher fI1ny make wfllIun oomanll lor an
3, Tho Ihl1i1e applicablo 101M Coverago E.tun, approldnl 01 Ihe loee. In Ihle o~enl, each party
slons aM Ihe Fire DepntlmuJ\l SlIrvlCO Churge, will soloCI 0 compelenl ana ,mporllol oppraleer.
Accoul1le Rllcalvablo and PollulonL Clllon Up The two approlure Will eqleclnn umpire, II they
and ReJl1o~al Aoclllonol Cowragae ara '" aool. cannol ogreo, ellher may rUQUeellhal selocllen
lion 10 Ihe Lllmle 01 In5uranCD be made by a IUllge 01 0 ceurll1avlng IUflsole.
4, Building Llmll- Automallc IneraoeD lien, Tho appral5llrs will 51ale eeparalulY Ihe
amounl 01 loee, II Ihuy 1011 10 agrlle, Ihey Will
I, The IImll ollneurnncD ehewn ,n 1M Dllela' euomiltholr oillllrencee Ic Ihe umpire, A oecl-
rallone lor 8ullolnge 5hall UlIlcl11Btlcally ell eton aorued to by any two will bo blMlng, Each
Increodeo ollllUOI1O or eDcl' ~etlco ollhrllll parly Will:
monlhe oller Ineopllcn oalo ellhl6 PCIIC'I cy
Ihe some porcunt ol'ncreaso ae Ihal whiCh a, Pay 115 choson appraiser: ano
hae occurreo outing Ihe precaclng Ihreo b, !3oar Ihe olher e.paneos 01 Iho appraisal
montl1s 'n the ce61.01.ecnslrucllen lactcr, ana umplta equally,
u reperleo In tho pllcllcallon 01 a raccg.
n1211/j 'n~5penounl a~prol6al ccmpany IIlhere 's an appraisal, we will 511I1 r~laln our
b, The Company wl,1 a~lustlhe Ilmll fer 8",'c, IIgr,llo oeny Ihe claim,
Inge shown In Ihll Daclarallons page en 3, Outln In The Evant 0' Loes Or Oamage
aaeh renewal 01 Ihe pellc'/- You must eee Ihatthe lollowing ara aone inlhe
6. Buslnue Personal Property Limit event 01 loes or damage 10 Co~ered Property:
Susonal Incruse NOllly Ihe police il a law may have been
The Llmll o( Ins\Jranco Icr Eiu51nes5 Fer- I,
I, broken,
eonol Property Wllluutomalloally ,ncroaEe b, Give ue prompt notice 01 the 1055 or
by 2e~'. 10 pro\lllleler saasonal vatIQlIOn5, damage, InchJde a dasctlption 01 the prep-
b, Thld Inersuell Will apPI~ only ,f Iho L'""t 01 erty in~olved,
Ineurartoe Ihewn tor us,neES Pereonal
Property in thO Daclarallons 16 at leBsl c, As eeon a5 possible, gl~e us a OllECtlplIon
100% 01 your averBga monlhly valllOE cur, 01 how, 'liMn and where Ihe 1055 or
Ing tha leeeer 01: damege cccurred,
(1) The 12 monlhe immllolalely prececlng d, Take all res eon able sleps to prelect the
the dote Iholoss or oamage occurs: or Co~erad Properly from lurther carnage by
a Co~ered Cause 01 Loss. Illeaslble, set
(2) The pelled el limo ycu ha\le ceen ,n Ihe damaged property aSide nno ,n Ihe
buslnees as 01 the cOla the less er be 51 pOSSible oroer lor examlMtlon. Also
llamOQo occurs. keop a recora 01 your expenses lor emer.
gene-I and lemporary rupa'rs, ler oonSld.
0, OEOUCTIBLES erallon In Ihe sonlomenl 01 Iho claim, ThiS
1. We will not pay lor IC5S or damage in anyone will not Increase Ihe limit of Insura,1eo.
occurrence unlllthe amounl of Icss or carnage a, AI our reouest, gl\le us complele invenlo-
exceeds the Deductible Incwn In the Ceelara. ties ollhe call1oseo a,'d unaamaglld prop.
liOnS, We wllllhen pay the omo..nl 01 Ices or erty, Incluoe Qual111l1es, eosls, val..es ane
camage ,n uaess 01 Ir,a Deoucllcle up 101M amounl 011055 claimed,
applleacle urnll 01 Insurance, r, Pormlt us to Inspect the properly and rec'
2, No oe/j..ellble applies to ",e fellew'ng Acol. oros proving Ihe loss or oamaga, Also par'
lienal Co~erogee and Opllonal Coverogu' mil ue 10 laKe samples 01 damageo
a, Fire Oaportmonl Ser\liee Chargo: properlY lor Inspecllon, lasting ano
analYSle,
b, BUSlnees Income, g, II reQueeled, permll liS 10 Quesllon you
c. Extra E~pe"ee: under oalh al 5uch limes as may ce rea'
d. Meney ana SeCUtlIlOS, eonacly reoulteo aco..1 any mana' relating
10 Ihl5 ,n5uranco of your clalln. ,ncluo,n9
a, Exployee Dl5hOne5ly: ond your Oooke ono recoros, In such even!. -'
I, E~latlor GrOde Floor GI05S yo.., answers m..sl 011 s,gneO'
10
, ,:)
h, Send u~ a slgneo, SWO'" 110' '''I clloSI
oonlllnlng Ihe Inlo'" )11.... _ ,eouesl 10
InVUtlgale Ihe claim You musl 00 this
wilhln 60 oays oller our leoVIIS!. WI w'lI
lupply you Wllh Ihe neCQuar'1 lorms.
i. Cooperale Wllh UI In Ihe Invelllgallon or
senl.ment 01 Ih. cIOIl11,
I, Ruume," or plrl 01 your'cperallonl' 01
Quickly 01 posslbl.,
4. 1.'1111 ~atlon ~lIlln.1 UI
No on. may bllng a l.gDI Dellon ogDlnl1 UI
und.r Ihll InlurDne. unlus:
I. Ther. hal b..n lull complllnce with all 0/
th. lerml 01 thlllnsurDne.: anO
b, Th. Dctlen II brought Wllhln 2 y'Drs a/ler
th. Oate on wnlch Ihe Ollecl phYSical 1011 or
Oamag. occu"eO,
5, I.lmllltlon -Ellclronlc Media and Rlaordl
W. will nOI pay ler ony 10SI el eUllnels Inccrre
causeo by dlrecl phYSical leu 01 cr oama..e
to Ellelronlc Media anu RecorOs all.r Ih.
longer 01:
I, eo coneecuhv. oayslrcm Ihe oale ef alrecl
phYStr;al lass or oamage: or
b, Th. period, beginning Wllh Ih. oale of
direct phYSlcellou or oamagll, necellary
10 rep,\Jr, reculld ar repllce whh I.uanaol.
sp..d and Ilmllar DuallIY, other praperly al
th. ducrlbed premlslI due 10 ICII or
damage caused by Ihe sam. accurrence,
EI.tlronlc Meola ano Recoras are:
(1) EI.ctronlc dala proceulng, recording or
Ilorage mldla such aslllml, laces, allCI,
aruml or calls:
(2) Olla stored on such meela: or
(3) Programming recordS used for .Ieclronlc
aata proclIslng cr el8Clrcnlcally controilec
eQuipment,
IS. I.oas Plymlnl
In Ihe evenl or Iou or damage cover.d by Ihll
policy:
a, AI our opllon, we will ailher:
(1) Pay Ih. value 01 1011 or oamag.c
prop.rlY:
(2) Pay Ihe COSI of repalnng or rePllclng
Ihe 10Sl or clmag.o properly:
(3) TaNe all or any parl 01 the property at
an agreed or appraised value: or
(4) Repair, rebuild or replace Ihe property
wllh olher properly 01 like kind and
QUallly,
b, We will give nOllce 01 our InlenllonS Within
30 days ollar w. recalve Ihe sworn 110\8.
ment oIIQS~.
e, We ...,,11 nol pay you more IMn your "non.
CIOI ,nweSI ,n 1M CoverllO Properly
'.i
d, Wa Will 'liller' e Ihe vOlve el CDVtleO
Prop.. - II I~ ws:
(1) At "plocemenl COIl (WllhOut oedue'
lion lor ~epreclallonl, .xcepl III
provlCleil'n (21lhrough (ilcelow
(a) You may make a claim ler Iou or
oomage covered by IhlSlnsurance
on .n aclual COlh value casls
Inll..o 01 on a replacemenl cosl
blllll, In Ih" ev"nl you elec\ 10
have Iou or damo~e s"lIl.d on an
actuafllaah value baSIS, you may
11111 milk" a claim on a replDcement
coal callI II you nOllly us 01 your
Inl"nllO do 10 wllhln lea ilaye oller
Ihll 1011 or damage,
Ib) W. Will ncl pay on a replacement
cOel eUlslor any lell cr oomolle
(I) Unlll lhe losl or Clomageo
preperty 'I aClually repatteo or
replacao: OM
(II) Unluslh. rapaltS cr replac..
menl are mac. 15 SOOl' os
reuonablY POUICII aller Ih.
1011 or aamage.
(e) We will nlll poy more lor 10~S or
camall' on a replacemenl cosl
baslslhan Ihe IUSI 01:
(I) Tn" COSI 10 replaca, on lh.
lame premlSu, Ihe 10S,1 or
damageo preperly Wllh Olher
property:
i, 01 comparacle maletllll
ano Quallly: ano
II. IJaed lor Ih. uma pur,
pale: or
(II) Th. amounl you aCluolly
sp"nc Ihal II n.cusary 10
,epall or raclac. Ihe 1011 er
oamaged prep.rly,
(2) Illh" "Aclual Cash Value - Buildings'
opllon applin, as Shown In Ih. Declo'
rlllons, paragraph (') acove doee nol
Ipply 10 BulldlnllS. Instaaa, Wit will
(llflermlne Ihe volue 01 BUllOlnge 01
aelual calh value,
(3) Th. lollowlng property al oClual eOBn
value:
la) Uaad or second.hanc mercllBn'
dlSI held In sloroge or lor SOle.
_(b) ProP.rty 01 Olhers: ~
(e) '"ouaehold ccntenlS, except p.r,
sonal prop.rty ,n apartmenlS er
rooms lurn,sned by you U
lanOlord,
(d) MonulctlplS.
\I
(e) Works' /1, antlQ~U5 or raro 0/11'
cloS. In~,Jdln~ :hll1g5, plcl~rOS,
Slatuary, mar~..., brol1~es, por,
celalns and bnc,a'brac
(4) GIMS at Ihe cost of replucomonl wllh
salely glazing molOrlal II reQultoO cy
law,
(II) 'renenls' Improvemel115 aM Bellor,
menls at:
(I) Replaellmenl tosl II you make
replllrs promptly,
(b) A proportion 01 ye~r anginal coslll
you do not make repairS promptly,
We will delermlno Iho prepenlon,
ale value as 101l0W5:
(I) ~ulllply Ihe englnal cosl by lhe
number 01 oays Irom the lOSS
or damage 101M oxpltilllen al
thll lease, and
(II) Olvlde Ihe amount aelermlneo
In (I) above by 1M number 01
days Irom Ihe InSlallat,on 01
Improvemenls 10 the explta.
lion 01 tM le066
II ycur leue ccnla'n~ a renewal
OPtlcn, the expltatlon 01 the
renewal opllon petlco Will replace
Ihe BXt:lIIallon el lha leB~e ,n thiS
prooeoure.
(a) NOlhlng if otMrs pay ler repairs or
replBcement,
(ll) Valuable Papers ana Reccros. 'ncl~d'
Ing lhose which eXlsl on eleclrOntC or
magnelie media (olher Ihan pre.
packaged sollware prcgrams), 01 Ihe
coslof:
(a) Blank mBlarlalS lor raprcouClng
Ihe recoros: ana
(b) Labor to transcrlba or coPy Ihe
records,
Accounts Receivable:
II you cannol accuralaly eSlabllsh Ihe
amounl 01 accounls raca'voble 0~1.
slandlng as 01 the lime 01 loss or
damage, Ihe follOWing ",eIMO Will be
used:
(a) Delermlne Ihe lolal ollhe average
monthly amounls 01 accounlS
receivable lor Ihe 12 monlhs
Immedlalely precoolng 1M monlh
In which tne 1055 or oamage
occurs: ana
lb) AOIU51 lhal lolal ler any normal
lIucluallons ,n lhe a,,,ounl 01
occclJnl15 fUCCI\I ut;IIJ r~f t/'tJ Il~~tlt"
'1> whiCh Ihe 1055 or oomaoo
:urred or lor ony oomul1slrOIOO
vononce 110m lhe avuroge lor IhOI
monlh,
The lollowlng will be oeducleo Irel11lhe
10101 omounl 01 aceo~nls recQlyoCle,
however Ihol amount IS IIslocll5heo:
(a) The omounl of Ihe eccoul\lS lor
whiCh Ihere 15 no loss or oamage;
(b) Th~ amount 01 lI,e occounls Ihal
yOIJ lire able to re.eslabllsn or
coIlI,c I:
(e) An amounl to allow la, prooable
blld &:Jebls IhBI you ere normally
unab'" 10 cCllect; OM
(d) All unearned Inlerest one 5Or'ilCe
Chargee,
(7) Applloablll only to Ihe Opllonal
Coverages:
(al Money at ils lace value: ana
(b) Securllles al Ihelr value at Ihe
elcse of bUSiness on lhe oay lhe
loas 15 discovered,
e, Our payment/or loas of or damaQe 10 per.
sonsl property 01 clhers will only be for lhe
Bccounl of Ihe owners ollhe preperly. We
may adlustlosses with Ihe owners ef ICSI or
dumaged property II olher lhan ycu, II we
pay Ihe owners, 5~ch paymenls Will sallsly
ycurclalms oQulnsl ~s lor the owners' prop.
erty. We Will nol pay the owners mcre Ihon
their IInllnclal Inleresl In Ihe Covereo
Prcperly.
I, We may elect Ie delend you agalnsl 5~lIS
arising Irom Claims 01 owners 01 ~reperty,
We Will do thl5 at our expense,
g. We Will pay Icr tovered loss or oamage
wllhln 30 oays aller we receive Ihe sworn
stalement 01 loss. il: .
(1) You have eomplleo With all 01 Ihe terms
of thiS POliCY: and
(2) (e) We have reached agreemenl with
you on Ihe amolml of loSS: or
(b) An appraisal aworo h85 been
maoe,
7, Recovered Property
II ellher you or we recover any property oller
lOBS senlemenl. Ihal party mual give Ihe olher
prompl nOllee Al your opllon, you may relaln
Ihe preperty Bullhen you mUBI relurn 10 ~a the
amounl we pallllo yo~ lor Ihe property. We Will
pay re.:cvery expenses and Ihe expenses 10
repall 1M recovereo property, 5u~lecl 10 lhe
Ltm,l 01 In5urance
\2
8, Ruumptl~n of Operollano
We \VIII re~uco lI,e omoUl I yo
I, Suolness Income lose, olher Ihan Extra
Expense, \0 Ihe extent you CUll reeume
your "operollene", in wHole or III pari, by
ueln~ domu'1ed or undamaged ploperlY
(Including merchnlldlee or steck I al Ihe
deocnbe~ premlees or elsewhere,
:)
b, E.xlra E~penee loes 10 the exlenl you con
return "operallons" to normal and dlsccn'
tlnue such Exlra E~pense,
9, Vallancy
lithe bullclng where Ion or damage occurs hl15
been VIcIni lor more than 60 c~nsecullve days
belore thai 1055 or comage, we will:
I, Not pay lor any Ion or damage caueee by:
(1) Vondallem:
(2) Sptlnklolr leokoge, unless you have
protected Ihe syelem agalnetlreulng:
(3) BUilding glOSS breakage:
(<4) Water comoge:
(IS) Theft: or
(IS) Anempled Theft,
b, Recuce lhe amount we woulc olherwl5Q
pay lor Ihe loos or dAmage by , E%,
A bulllllng 15 vacant when II doee not cenlaln
enouQh buelnees personal properlY to cenllucl
cU51llmary "operallone",
Buildings under conslrucllcn ore nct ccnsld,
'ered vacant,
F, PROPERTY GENERAL CONDITIONS
1. Control of Property
Any oct or ne~lect 01 any perscn other than you
beyone ycur Ol/ectlen or cenlrel Will nel arteet
Ihle ,nsuronce,
The breech 01 any conolllon of thiS Coverage 01
anyone or more locallons Will not altect
coverage at any 10cOllon where, althe lime 01
IOS5 or damage, the breach al conolllan doe5
nOI eXls!.
o
2. Mortgage Holdero
.. The term "mortgage holoer" mcluoee
lruslee,
b. We will pay lor covereo lOSS 01 or damage
to buildings or slructureslo each morl~age
hOlder shown In the Oeclornllcns ,n Ihelr
oroer 01 preceoence, 05 Interosls may
appear.
c. The mortgage holoer hOs the rlghl 10
leCOlve lOSS payment oven Illhe motlgage
Mloer hOs slOrleO loreclosure or Similar
aCllon on Ihe bUllo,ng or structure
O. II hll \;1.:1., , '" '..' "." ' . , .
or COCiUUle yo: 'we 1011110 10 COJ11ply Wllh
the te 0/. J poliCY, Ihll mortguge
holder Will 61111 havo lhe righllo receive looe
payment II the mOllgage holder:
(I) floye ol1Y premium due under thiS pol.
Icy a\ our reQueet II you hove lOlled 10
do 50:
(2) Subnllto a Signed, 5worn slatemenl 0/
1085 within 60 days aller receiVing
nollce from US 01 your failure 10 dO eo;
and
(~) Has nolllled ue 01 any change In
ownerShip, occupancy or subtlanllal
change In risk known 10 Ihe mortgage
holder,
All ollhe terms 01 IhlS policy wllllhen apply
Olreclly 10 Ihe mOl'.gage holOer,
I, If we pay Ihe mortgage holoe, lor any 1000
or damage ano oeny payment to you
because 01 your oels or becouoe you have
lOlled 10 comply wllh lhe lerme 01 IhlO
pOliq
(1) The mOllgage holoers IIghls unoer the
morlgoge 1'1111 be Ironslerreo to US 10
Ihe e~lent ollhe omounl we pay: oM
(21 The mOr1gage holder's light to recover
lhe lull amounl 01 Ihe morlgage
hOloer's claim will nOI be Imp aI/eo,
At our opllen, we may pay te the morlgage
holeer Ihe WhOle pllnclpal on lhe mortgage
'~I~~ any accrueo Interes!. In Ihle even\,
your mortgage ane nOle Will be Iranalerrec
\0 US ano you will pay your remaining mell'
gage oecl 10 us,
t. II we cancel this pollc,!, we Will ~Ive wrlnen
nollce 10 the mortgage holcer al leOSl:
(11 10 days celore lhe eHecllve cale 01
concellallcn II we canceller ycur non.
payment 01 premium; or
(2) 30 cays celore the ellllClIVe OOle el
enncellallon ,I we cancel lor any olher
reason.
g, II we elect nOllO renew Ihlo pollc,!, 1'10 Will
give Wrlnen MIICO 10 the mOllgoge nOloer
QlleoSI '0 caya belore Ihe ll,prOllcn oate
cllhls pellc';,
3. No Benelll \0 Bailee
No person cr orgamzallon, olner Ihan ycu, hOv,
Ing CUSIOOY 01 Covered PropMlY w,ll cenellt
Ircm Ihls Insurance,
4. Policy Period, Coveroge Territory
Unoer Ihls lerm:
a, We cover 1055 or oamage commenCing:
(1) During Ihe policy pellco ahown ,n lhe
Ceclarollons: ono
13
(2/ Wllhln IhU 't;'V/a~u IUII,I<;', ", w",
rnpecllo p , 'IlY II' Irnnsll. whllo ,1'5
belween p",nIS na eovorOIlO
lerrllory,
b, The coverage le"Hory '5,
(11 The Unlled SlalU 01 A",o/leo IlnCluo-
Ing 'Is le",lolllu ana poee"~~lcn51,
(21 Puerlo Rico; ana
(0) Canada,
5, Lou Poyoblu - BUlllnua Peraonol
Property
For Covered Property In which bOlh you and a
Lou Payee shown In Ihe DeclarOllcn$, or a
schedule oltoched IhOrelO, Mve on 'neurablll
Inlettsl, we Will:
o. Adjual loases Wllh y~u: ana
b, Pay any claim lor Iou or do",oge jOlnlly 10
yeu and Ihe Losa Fayu as 'nlelnls may
appear,
G, OPTIONAL COVERAGES
II shown as applicable In the DeClarations, tne 101'
lowing Optlonol Coverages also apply, TheBe
coveragea are aubject to Ihe "rms and conClllons
apollcable to property covero~e ,n thiS POIIC'(,
excepl as prOVided below
l. Theil: II "Theil Incluced" la InelcateO In Ihe
Declarallons, ExCluslCn 6,2.1. '5 nCI appllcaCle
2. Ouldoor Signa
I. WII Will pay lor direct phYSICal ICU alar
damage 10 all auld oar Signa al Ine
oncrlbed premises:
(1) Owned by you: or
(2) Owned by olhers bul In your care,
cuatcdy or control.
b, Paragraph ,01.,3" Covered Causn 01 Lou,
and SlICllon 6, ExClUSions, co not apPlY 10
thll Opllonal Coverage, except for'
(1) Paragreoh e,1.o" Ocvernmllnlal
AClion;
(2) Parlgraph 6.I,d.. NUClear Huard; and
(0) Plrlgraph 6,1.1" War and Mllllary
AOllon.
0, We Will nol pay lor loSS or oamoge caund
by or resulllng Irom:
(1) Wear Ind lear:
(2) Hidden or lalenl delllCt;
(0) RUSI:
(4) Corrosion: or
(5) MechanICal bro.a.down,
d. The mOil w~ w,lI pay lor loa5 or oo",oge ,n
anyone occurrence 'a Ina L,mlt 01 Inaur.
., ..... '... .....4'....... ~ oJ
C.. .'aro,lona
e, TI', pro 1/15 01 thla Opllonal Cover aile
superUda all 01 her relurences 10 ouldoor
ligna In Ihle pollc'(,
0, exterior Groae Floor 018la
I, W. will pay lor direct phYllcal Iou 01 or
aamage \0 all e~lerlor Grade 1I00r and
buamanl glana, Ineluolng alllellenng and
ornamenlatlon, localed allhol described
premlaes and:
(1) Owned by you: or
(21 Ownad by olholrl bulln your Clre,
cualody or cenlrol.
b, Wa will alBo pay lor necauory:
(1) E~~enua I"CUlleO 10 pul up temporary
p181.. or bOlro up openlngl:
(2) Repair or replacemenl 01 encBBlng
Iram..: and
(0) Expenlea Incurred 10 remove or
replace obalructlons,
c, Parlgraph A,O" CQvered CauB" 01 Leu,
and Section 6" Exclullons, dO net apply 10
Ihla Oplional Coverage, axcept fer:
(1) Paragraph e.!'c.. Governmenlal
Action:
(2) Parlgraph 6. I,d" Nuclear Huard; and
(0) !'aragrlph 6,1.1" War and MlIllary
ACllon,
, a, We will nol PlY lor Iou or damlge cauaed
by or reaulllng Irem:
(1) W..r and lear:
(2) Hidden or lalenl delect:
(0) COlloBlon: or
(4) RUII,
I, Thla Opllonal Coverage suparsadlll all
IImllallonl In Ihll polley Ihll apply to aXle.
nor Grlda 1I00r gll55,
A. MOI,ey and Securlllaa
a, Wa will pay for loaa of money and aeculllles
und In your bualna55 while al a bank or
5Ilvlngl Inalllullon, within your liVing Quar.
lera or the liVing QUlrters of your parlne"
or Iny employee having usu and eu5Iody 01
Ihe properly, allha Oelerlbed premlsel, or
In Iranlll belween any ollhese places,
r8aulllng directly Irom:
(1) Theil, meal1lng any aCI of $Iaallng:
(2) DIIOPpearance, or
(0) Dellruellon,
14
3
b. In aadlllon 10 Ihe L,,,wallon5 an" E.c:~'
alOnS applicable 10 p' 1r1Y era~e, we
will nol pay lor losS:
(1) Rosultlnglrom accounting or anlh'
malic 111 orrors or om1S510n6:
(2) Due 10 Ihe giving or surreMenng of
properlY 111 any e)change or purchase:
or
(~) 01 properly contalnod In any monoy'
operated device unleu Ih~ amount of
money deposlledln IllS recordad by a
continuous recording ,nslrumenlln Ihe
devlc/!,
a. Th" moal we Will pay ler Icss In anyone
occurrence IS:
(1) The IImll shown in Ihe eeolarallons lOt
Inllde Ihe Premises lor money and
5eCutlllU while:
(a) In or on Ihe deWlbe<l premlUI: or
(b) Within a banI< cr savlnllB ,"SlltU'
lion: and
(2) The IImll shown ,n Ihe CectarallonS lor
OUIBlde lhe PremlsoB Icr money Bnd
UCUrllleS wI111e anywnere else,
d. All Iou:
(1) CauBed by one or more per60ne: or
(2) Involv'ng B slnglo Bcl or senes 01
relaled acls:
15 eonalllere<l one OCcur/once
e. Yeu musl keep recorae of all money and
securllles so we can venly Ihe amc~nl ot
any 10aB or damage,
5, Employee Dishonesty
e, We will pay lor dlrecllo5S 01 or oamage 10
BuSiness Personal Prcperty, Incl~dlng
money and ucunlles, reBulllng Irem eis'
honeat BCIS ccmmlllec by any 01 yo~r
employees aCllng alone or In colluslcn wllh
Olher persoM (e)cepl yo~ or your parlner!
wllh Ihe manllul ,nlenllo:
(1) Cause you 10 suSIBln lOSS or damage:
and BISO
(2) Obtain IInanclal berellllolner lhan sel,
llrleS, commlss,cn5, lees, oon~ses,
promollOns, awaros, prolll sMl/ng,
penSlonB or olner employee oenellls
earned In lhe normal course 01 emplOY'
menli lor:
(al Any employee: or
(b) Any Olher person or orga",~ellon,
b. We Will not pay lor lOSS or dama~e
(Il Resulllng Irom ony dlSt1QneSI or cnml'
nal ac' Inal yo~ cr any 01 YOllr partners
commll whelMr aCl,ng alone or .n COl.
luslon wllh olhe' perSenB
rf(J
(2) Tnll ;;riY ~rc~1 ,I "",,<;11 J. ,~ .t. ..,.,'
er. ,. or r ~nl 16'
(al I~n Invunlory compulallOn: or
(b) A prolll and IOS6 compulallon,
c, The most w~ will pay lor ioU or oamage In
anyone eccurrence IS Ihe Llmll 01 Insur.
anCe lor EmployU DIShonesly snown .n
'the DeciarallollS,
d. AIII<lB6 or domage:
11) Cauud by one or more persons: er
(2) InvolVing a 51/11)Ie ael or sellU of
relllled aclS:
15 conSldllred one oecUrrarlce.
a, We Will pay only for loss or damBge you
sU611lln thrOUgh aclS commll1ed or evenls
occurring dUllnll Ihe Polic'l Pelloe
Regatolees 01 lI'1e number 01 years 11'116
polley remBlnS In lorce or lI'1e numoer 01
prvmlumS paid, no Limit 01 InSurance
cumulateB 110m year 10 year or pl/IICO 10
period,
I, ThiS OpllCnal Coverage does h,Ot applY 10
Bny emplOy" Immedlalely upcr, cl5covery
by:
(1) You: er
(2) Any 01 your parmers, olllcers or Ollec'
lors nOl'n colluSion wun Ihe employee,
of any dls~onest acl commllted by Ihal
employee belere or Bller ~e,ng Mee oy
you,
g, We will PBY only lor covereO 1055 0'
aamaQe 015covered no later lhan one year
Itom lI'1e end 01 the Pollc'l Pellcd,
h, II you (or any predecessor ,n ,nwesll SUS'
talned IOBB or damage <lUllng Ille ~enccl 01
any pnor Insuranca Ihet you coulo have
recovereO ~nder Ihal,n6urance e)captlnal
Ihe lime wl\hln which 10 016cover 1055 or
damaQe hac e)plled, we Will pay lor 'I
uncler thiS Optional Coveraga. prov,eec.
(1) TI'1ts Opllonal Coverage became alleo,
live allhe lime 01 cance,lalion or term"
nalion olllle pllor In6urance, ar,d
(2) The lOSS or damage wO~ld have been
covered by Ihls Opllonal Coverage hao
II been In ellecl wl1lln lhe acts or events
oa~Slnglhe 1055 or Oamage were com.
milled or occurrecl.
I, The Insurance unoer paregraon II aoove IS
parI 01. not In aedlllon Ie, 1M L,mlt 01 Ins~r,
anoe apPlying 10 IhlS Opllonal Coverage
ana 'S hml\eO 10 Ihe lesser 01 1M amo~nl
recove'oole ~nder'
(1) Th15 Oclional Coveraga as el ,IS ellec,
live date or
(2) Tno pnor ,n5~rance haC ,I rema,nec ,n
eNecl
Ie
6, MechonlclIl Bruk"~wn
II, We will pay lor ,oct' '11\)010 COvll'otl
P'OPllrly cau5ed by ~" ACCldenl 10 an
Oblect 'The Object mU51 bll,
(1) Owneo by you or In your care, cU51cay
or conlrol: and
(21 Al the oe5cnbed preml~e5.
b, ACCldllnt meams a aUdden and accldenlal
breakdown 01 lhot Oblecl or a pari 01 Ihll
Obl'e!, Al the IImlllh. breakdown occu's,
II muat manlle5tlt5ell by phYSical damage
10 Ih. Object Ihat neceullalea repalt or
replacllmenl,
II, None 01 Ihe following la an Acclcent:
(11 Oeplellon, aeWlorallon, corroalon or
.r05Ien:
(21 Weer and IlIar:
(~) Leekoge at any valve, IIl1lr.g, ahall
aul, gland packing, 10lnl or
ccnMeCIIOn;
(4) Breakdown 01 any vacuum IUee, gaa
lube or bruan:
(5) Breakaown 01 any eleClrcnlC compuler
or eleClronlC data proceulng
equipment:
(e) Breakaown of any alruclUre or lour.da.
lion lupportlng Ihe Oblecl cr any oflla
porta:
(7) Thelunctlonlng of any 5alely or prClec,
lIye c,vlclI: or
(8) The e~ploalon 01 gaae5 or luel wllhln
thefurnaclI 01 any Ob,ect or within the
f1uu or pl5aage5 through which Ihe
guu 01 combuatlon paa5,
a, Objecl meana any 01 Ihe lollowlng
aQUlpmenl:
(1) Boller and Presaure Veaula:
(I) Sleam heating boiler5 and con.
denaate relurn lank5 uue wllh
Ihem:
(bl Hot waler hllBlIng bollera and
expanalon lank5 'JUO wlln Ihem:
(el Hot waler 5Upply boller5:
(01 Olher llred or untlred ve55ela ueed
lor malnlenance or u,."lce of Ihe
dlacarded prernleea bUI not uaed
lor proceulng or manulactutlMg:
(el Sleam boiler piping, valvea, tll.
Ilng5, Irap5 and uparalore, bUI
only II Ihey:
(I) Are on your prem'5U or
belween paris 01 your
premI5e.:
16
\111 l.....:nlillri .}IC"'.'.... ....'. .... -.... .
01 5leam: ond
J Are nOI pari 01 any olher ve5'
ul or opparalua;
(I) Feed waler piping belween any
ale am bOiler and 0 leed pump or
Inllo:lor,
(2) Air Conditioning Unlla - Any Olt con.
dlllonlng unlllhal hll5 a capacity 01
eo,ooo Btu or mora, InclUding:
(I) Inductor5, conveclors and COlla
Ihal make uu 0' 1\ ral"gerantono
lorm part ola cooling, humldlly
COnlrof or space hllallng 5Y51em;
(bl Inlerconnecllng piping, valvea and
IIllIngs ccnlalnlng only 0
relrlgeranl, Wtller, btlne or olher
10lUtlon,
(0) VesUls heRled dlreclIy or Incl.
recuy Ihal:
(I) Form pari 01 an absorpllon
Iype sY5lem: and
(II) Funcllon u a gllneralOr,
regenerator or concentrolor:
(d) Compre5sore, pump5, fana and
lJlcwers used 50lely wllh Ihe sys.
tern togelher with their otlvlng
.Iecttlc molera: and
'el Control equipment u5ed aolely
wllh lhe sy51em.
e. Oblecl co.. nOI mean:
(1) As BOllllr and Prea5ure V..5el5:
(0) Eculpmenlthat IS nOI under Inler.
nal vacuum or Inlernal preaaure
olher Ihan weight 01 conlent5:
(b) Boller u<<lnga:
(c) In5ulallng or refractcry maletlal: or
(al Electtlcal, reclprocallng or rolallng
apparalus wllhln or lormlng a part
ollhll boiler or veasel.
(2) As Air Condlllonlng Un1l5, any:
(I) Ve...I, cooling lower, reurYolr or
olher source of cooling waler lor a
condenur or compreasor, or any
water piping leading to or Irom Ihal
5ource: or
(bl Wiring or piping leading 10 or Ircm
Ihll Unll,
t, We will not pay lor an ACCident 10 any
ObJect whllll being leeled,
g. SU5penalon
Whenever an Oblecl la rOund 10 be In, or
expoUd to a dangeroua condlllon, any 01
our recreaenlOllVe5 may Immediately 51.15'
pend Ihe In5urante agaln51 1055 from an
-J
ACCIClenllo IhLlI Oblecl. ThIr 1n be ~(Il'e
by dallvefll1Q or mallow .1 "(Jllce 01
suspenelo" 10:
(1) Your lasl known LlddreBe, or
(2) The adllrus wera Ihe Oblecl Ie
locolall,
II we IUIpllnd your Insurance, you wllllle\ 0
pro rala relund 01 premium, Bul Ihe lue'
pension will be effective aven II wa hllva ncl
yel mada or ollerad II relund,
7, Inlormllllon SYlltemll
I, We will pay lor dlracllon 01 or dBmoo. 10
1111 "alaelronlc dllB proceUlng aQUlpmeni"
located III Iha de5crlblld premlue,
We will 01110 cover eQUlpmenllhal balcnoe
10 olhara IInd lor Wnlcn you lire laOBlly
IIl1ola,
b, Tha mosl we will pay lor Ion or oBmBlla In
anyone occurrenca la Ihe omeunl ol,neur.
IInce ehown In Iha Ceclelatlene lor Inlor.
mallon 6ystems, ThiS la In adcttlCn 10 Ine
~Imlll of Inauranca,
c. Ellle"IIOnll 01 CoveraOe
(I) Elllra Expanae
We will pay lor neceUllry ecclllcnel
axpanaelhal you Incur, lollcwlng e IOU
10 "eleclronlc dale prccaSSlng eculP'
manl" reeulllno Irom 0 CovereQ CBUU
01 LOll, 10 continue ncrmol cperellclle,
10 Iha extenl pOUlble, on your dele
procaulnO eQulpmenl CUring Ihe
"penod 01 raelorellon,"
(2) Newly ACQuired Property
We will cover "elaclronlc dole prcceu.
Ing eQulpmenl," elllclual caeh velue,
aellulred during Ihe pollC'1 pence lor e
period 01 JO eeys oller ecculslllon, II
musl be reported wllhln JO eBye 01
aCQUlelllon end addlllonal premium
paid, Until reporleo wllhln Ihe JO deye,
Ihe moel we will pey lor ell sucn Items
will be Ihe smllllar 01 Ihe lollowlng
amounls:
(I) 20 percenl ollhe cover aile amounl
ehown lor the Iype 01 properly
ICQUlred;
(II) 550,000,
(3) Breakdown
We will cover egalnst Olrecl pnyslcal
Iou or damage 10 Ihe ,neured "elec.
IrOniC dall proceB5lnll eoulpmenl"
Irom enort cirCUli, blOW oul. Olner elee'
Ineal dlslurbaneee wllhln 1M eleclllcal
apcaralus or mecnan,cal creooaown,
mognellc Inlury or eroeure wl1'1e mea. a
ane dolO are be,ng ,un t",cu~n 1M
sy~tam
.
~
d, Exelusu;ne
We rt JI pis, 01 lose,
(II To 'elllctronlc dolO preeesllng eaulp'
ment' Ihal yeu rent 10 clhere.
(2) cauud by or Ihlll resullS Irom pr'..
grammlng errors;
(3) due to proeeu 01 ropalr, u"/'ce or
malnllnllnee:
(4) 10 madla or dOla Ihat con I oe ,eplocea,
H, PROPERTY DEFINITIONS
1, "Eleclronlc dllla prccanlno aQulpmenl"
Inuns:
(II I~o nelwerk 01 machlna eomeenenle IMI
acelPte 'nlormallen, preClun 'I aceorr.l'
Ing 10 a plan 10 CroQuce a dUIIOQ rnulI.
(2) 1111 lorms 01 malellal or meeln on wnlcn
Inlcrmallcn ,e reccrced or slored, end
(3) dolll, prcgrome or ,nSlructlcns, ccn>eneo
Inlo , lorm Ihal con ce useQ In PICCdUlnll
eperallcna,
2, "OperlUllna" moons yeur CUBlnns OCIIVllIU
occurnng allno ouerlbed premlus,
3, "Period of RutoraUon" meane 1M pellcO ct
Umelhat:
I. eegln5 wllh Ihe dale 01 direct pnys'calloas
or oamage cound cy or relulllng Irom ony
Covereo Caun 01 Lou 01 Ihe oescllbBe
premlus; and
b, EndS on Ihe dale when the prcperty allne
dnerlbed premls" should Me repOllBe,
rebulll or replaced wllh reucnac1e si:B8C
and Similar quallly,
"Perled 01 ruleraUon" OOBa nel ,nclute or.'/
Increoeoo pelleo reeUlred oue 10 Ihe er.lerce.
menIal any oralnence or law Ihal:
(I) Rellulolu the conetruetlon, uee or
repair, er rellUlrea Ihe leallr.1l cewn 01
any prcperty: or .
(2) RaQulrU any Ineured or Clhere 10 loel
ler, monllor, clean up, ramove. eontam,
Ireal. dBloxlfy or neutralize, cr 'n ony
way rupend 10 or uSllsalhe .,illcts 01
"pollutonts".
The explrallon dale 01 IhlS pollC'1 w,lI nct cui
encrllhe "period QI reslorallon",
4, "Poilu Ian I'" means any aellQ, IICu'Q.gaeeous
or IhermBI Irrllenl or conllmlnonl. ,ncluo,ng
smOKa, vapor, sool. lumee, ac,es, alkaliS.
eMemlcale IIndwule, Wasle,ncluOU malellals
Ie bll recycleO, reconO.lione<:l or reclOil'nee
5, "Specll1lld CouSGe 01 LoU" meOM 1M
Icllowlng:
F,re: li9nl",ng, upl05,cn ",ndstcrm 0' n3"
smclCrt 3lfcrnll or ve"'lclelS (101 or CI'/II ccmmc,
, .
"
lion: VQnr.Ullltun; (0 ill' . 'lIt Ite,,' IlflJ tJ),III'ljlHtr'W\j
eqUlpmenl; 51nkl1cll ,llop'" vclcanlc aCllcl\,
lolling oblecls; welgl11 ~I 'II, Ice 01 sleet.
waler damage,
e, 51nkhole collapse means Ihe 51/cWen Sink,
Ing or collapu 01 land Inlo un<lltrllrOUn<l
emply spLIces wfaled by Ihlt acllo" 01
WilIer on IImeslone or <lolomlle, ThiS causll
01 loss <loes not InclUde:
(1) The cosl 01 IIIl1ng sinkholes: or
(2) 61nklng or collllPu 01 Illnd Inlo man.
made underground cavill'"
b. '.JlIlny 1,,;(JI'Jt;tb 1Jl:llb ;~., "'. ...,.1. ...oJ.. 4
.. 'age 10'
('I Per - 01 propmly In Ihe ope,,; or
(21 Thlt Inlenor 01 n t:ulldl"O or struclule, or
properly InSide a IJUlhllng or slruclure,
unlus Ihe 1001 or an oulsl<le wall 01 Ihe
building cr slrucluIIllsllrsl <lnmagerj by
a lolling COlee!,
c. Waler dllmage l11eans accl<lenlal dls.
Charge or leakage 01 WilIer or 51 earn as Ihe
direct resull 01 Ihlt brellklng or cracking 01
any part 01 B syslem or appliance con.
lalnlng waler or 5leam,
L!~.EtL.ITY COVERAGE
A, COVeFlAOeS
I, Buelnau L.lablllty
I. We '11111 pay Ihose sums Ihal Ihe 'nsured
becomu legally Obligated 10 pay as
damages beclluu 01 "bOdily Inluri', '~IOC'
erlY damag,", "~eI5cnal'nlury" 0' "ao'ler.
IIslng In/ury" 10 which Ihls Insuranoe
applies, We '11111 have lhe nghl ano oUIY Ie
delend any "SUII" seeklnlllhose camages
We may 01 our olsclellcn In'leallgale any
"ocourrence" and senle any Claim cr'5UII"
Ihal may resull. Eul:
(1) The amounl we '11111 pay lor carnages's
limited as oescnbed In SECTION 0
- LIABILITY AND MEDICAL
EXPENSES LIMITS OF INSURANCE;
and
(2) Our right ano cUly to oalenc 'linen we
have U5UO up the aCPIICnl:le Ilmll 01
Insurance in Ihe paymenl 01 lucge'
ments or ultlernents or meolcal
e~penses,
No olher ol:lIgollon or lIablllly 10 ~ay sums
or perform aots or sel'lICeS IS covered
unless e~pllcltly prOYldeo lor uncer
COVERAGE EXTENSION - SUPPLE.
MENTARY PAYMEN'rs,
b, This Insuranoe a~plle5:
(1) To "bodily Inlury" ano "property
damage" onlY II:
('1 The "bodily inlury" or "property
damage" 15 causeo by an "OCCUI.
rence" thai lakes plaoe In Ihe
"covelage lernlOr(; ana
(bl The "boolly tnlury" or "plcperty
damage' occur~ aUllng Ihe ~OIlO'f
pellod,
(rl) Td:
(a) "pe/sOhal Inlury" caused by an
ollense allslng oul of your busl'
nass, ekcludlng adverllslng, pub,
IIsMlng, bloaocasllng or Ielecast.
ing done by or lor you:
(bl "Adverllslng Injur't" causeo by an
ollense commllleOln IhI! cours~ al
aoverllslng your gcoos, PIOdUCIS
or services:
but cnly II Ihe oltense was commillec
In the 'c~yerage lel/nory" cur'ng Ihe
policy period,
c. Damages because 01 "boc:lly inlury"
InclUde damages clalme~ by any pelson or
organizallon lor care, loss of services 01
dUlh resulllng 01 any lime Irom the "bodily
Inlury",
d, "Property oamage" Ihal IS IO~5 al use of
langible properly Ihal IS not pflyslcally
In/ured will be deemed 10 occur allhe lime
of Ihe "occurrence" Ihal causea II,
e. Cover.ge Extension - Supplementary
Payments
In aadlllon 10 Ihe Llmll of Insurance, we will
pay, Wllh respeclto any claim 01 "sull" we
defend:
(1) All e~ponses we InCUr,
(2) Up 10 5250 for cosl 01 bail bonos
reqUlfecl because 01 aCCloenlS or IraHlc
law Ylolallons arising OUI 01 the use 01
any vehlole 10 which Eustness LIBOlllly
Coverage lor "bOdily 'nlury" BPpll1l5.
We dO nol have 10 lurnlsh Ihese bondS
-
(~) The cosl 01 bonos 10 release anaCh.
menlS, bUI only lor bon~ amounlS
wllhln our wmll 01 Insulance We oe
nOI ha'le 10 IUI",sn Ihese tena5
Ie
:)
(~) All reB~onabl~ 'H UL ;urlqa by
the In~ured 01 our IilQU~~1 10 a~~I~1 ue
In Ihe 'nVellIoallOn or aqlon~e 01 Ihe
clolm or "suII", IncludinG aClual'on 01
earnings up 10 $100 a day becau~e 01
lime olllrom wOlk,
(5) All COSIS la~.a aooln~1 Ihe In~U,.a 'n
Ih.'SUII",
(5) Preludgmunllnl.rnl oward.u aoalnal
lh"nsu,.d on lhal part 01 I hit luoomenl
w. pay, II w. mak' an offer 10 poy Ih'
Umll ollnsuranCQ, we will nOI pay any
pr./udgm.nl Internl baud on Iha'
per od 01llm8 oller IhQ offer,
(7) Allln,"ssl on lh. full amounl 01 allY
luogmenl lhal acCl'\Je~ alW entrv 01
Ih'ludgm,nl and belo,. we have palll,
oH'rld 10 pay, or de~oelllo In courllhll
plrl 01 Iheludo"""nllhOl'e Wl\hlll OlJr
Llmll olln~lJranc.,
r, Addltlon,' Cov"ag. -Inold.n'al Mlldl.
001 Sllvlael Llablllly
Oamaou b,oauu 01 "bOdl'y Inlur'('
Includ. Inold,nlal Meolcal Serilce~ ,n,ur'(,
Thl~ m.aM Injur( all~lng oul ollhe glvlnO
or lallure 10 glv, dunng Ih' pOIIC'( .elloO,
lhe 101l0wlnG aervlce~:
1, m'dlcal, surGical, oenlal, Nay or nurs,
Ing Dervlce cr lrealmen"ncluolno 1000
ano drlllk Given In Ihe ~rocee~;
2. prOVidinG orug~ or meolcal, denial ano
surOlcal su~plllS,
Thl~ coverage OOU nol a~ply 10:
I, ,~pllnses Incurreo by Ihe Ineu,.O lor
llral aid '0 olhers u provlced under
Medical E~plln~n,
b, any Ineurlo WhO enoagn In Ihe bUQl'
n851 or occuplllon 01 provlolng any 01
lhe servlcee 085cnbeo aoove,
c, Iny Inlureo WhO cau..s Inlury lor
whloh lIablllly II u~umso unoer Iny
conlracl or loreemenl II engloeo In
Ihe buslnln or occuplllon 01 prov'o.
Ing servlcll OllQcrlbeo aOove,
2, Medloel Ibplnue
I, We will pey mllOlool upenue as cncrlblld
below lor "bodily In,ury' cau6QO by an
Icclollnl:
(1) On premlsn you own or lenl:
(2) On waye ne~1 10 premlQlIS you own or
renl: or
(~) Because 01 your o.urallo"E,
prov'ded Ihal:
(I) The accldenl 10",5 C',lCU ,n IM'COV'
erage ler"lory. ana CUrIng lhe pOIlC'(
perloo:
'~
(b) Th, - '.p uu ule 1I1C'Jue" ,1nc
/lIP_ .ue 10 I/S wllhln oml yUill of Ihu
dntu 01 the UCCldU"I, nnd
(el The 'n'lUlld pereon 5ubmlte 10 e~am.
IMlu:m, al cur 1I~~ensu, by phyulclans
01 our chelce QQ alien 115 we leaEen.
IIlJly reqUire,
b, We will mllke IhulI payments lugarolus el
laull. Theu paymenlS will nol e~c"d Ihll
Limll ollnaurance, We will poy reasollable
upllnU5 lor:
(ll Flrsl aid althe lime ollln accloont:
(2) Necelsary medical, surqleal, ~,ray and
Ollnlal servlcifS, 'ncludlng ploSlhelle
dllvlcoa: ano
(~) Necessary omb"lance, hOSPllal. pre-
IlIIlIenal nursing Ind lur,ernl servlcee,
S, I!XCI.USIONS
1. Appllcabll 10 Iluslnou Liability CQveroge
_ ThiS InsurallCI COlli nOI apply 10'
I, "BOdily Inlury" or "p~operty camage'
e~peeled or Inlendeo Irom Ihe ~Ianceelnl
01 Ihe Insureo, ThiS e~clus,on dOQl nel
apply 10 "beclly 'n,ury' rifBulllno Irom lhe
use 01 reuoll4Cllllorce Ie ~lclecl .ereer,s
or property.
b, "eo~lIy 'nlvry" or "property damage' ler
which the 'nsured II ot::I'lialeo Ie ~ay
damaglll by /8IEon 01 Ihe assumplle" el
liability In I ccnlracl 01 agreement. ThiS
uclUSlon does nOI a~~ly te l,acllilY leI
Olmao":
III Assumeo In a conlraCI or agreemenl
Ihalll an ",nsureo contrac\", provldeo
Ihe "bOdily 'n,ury" or "pro~er!y
damagll" occurs sut::eec:uenl 10 lhe
e~eoulIon of Ihe conlracl or agree-
menl: or
(2) Thai Ihe Insureo woule have In lhe
Dbsence ollhll contracl or agreement.
e, "Soolly Inlur( or "property oamage" lor
which any Insureo may be held haOle by
reason 01:
(1) Cauelng or conl"bullng 10 the ,nlo~'ca'
lion 0/ any eerson;
(2) The furnishing 01 alcchollC oeveralies
10 a person unaer Ihe legal a,,"",ng
age or unoer lhe ,nllUllnce 01 alcohOl;
or
(~l Any IIIMe, orOlllDnce or regulallon
relaMg 10 the sale, gilt. a,sl"PuIlO" or
use 01 Ilcohel'c beverages
Thll exclUllon aeelles omy " you ar~ ,n lhe
bUSiness 01 manulaclurll1g, Olsl"oulll1g,
,,1I1"g, serv,ng 01 lurn,sn,ng Glceno",
peverages,
0, Any eClIgallon ollhe ,,,suree uneer G 'No'"'
Qf'S compensallon. OlSilCd11y te~e'dS cr
pj
unernploym. ;Of1,~.,'~allllf1 law 01
any ~Imllal law,
., "Bodily Inlury" 10'
(I) An employee 01 IMeln~ureo a/l~lnQ oul
01 and In the couru 01 employmenl by
Ihe Insured: or
(2) The spouse, CI"ilJ, parenl, brolher or'
Sisler 01 lhlll employee U II con.
sequence 01 (1) ~bove,
ThiS e~cIU~IOf1 o~plle~:
(al Whelher the In~ured may be lI11ble 115
lln employer or In any 01 her CllpllClly:
llnd
(b) To llny obllgllllon 10 shllle ollmllgu
wllh or repllY ~omeone el~Q whO musl
PllY dllmllges beceuu 01 lhe 'nlury
ThiS e~cluslon does not ap~ly 10 Illlblllly
auumed by lhe 'nsureo unoer an'lnsureo
conlrllcl:'
I, II) "Bodily Inlury' or "property ollmoge"
allsln.. oul 01 Ihe acluel, lllleged 01
Ihrealened Olscharge, olspersal. su~-
age, mlgrollon, releBse or escope 01
pollulanls:
(a) At or Irom any premlus, slla or
locallon whlcn IS or 1'1'05 at any lime
owned or occupied, or lenlee or
loal,ed 10, any Insutee:
(b) Al or Irom any premlsn, Slle or
locallon wnlch I~ or wa~ al any lime
used by or lor any In~uree or Olh-
ers lor lhe handling, stora~', el~'
po~al, proces~lng or Irealmenl 01
wllSte;
(e) Which aro or were nt any liI"e
Iransportee, haneleo, sloree,
Itealed. dl~poue 01, or procoued
as Wll5le by or lor any In~uteO or
any peroon or organlZBllon lor
wnom you may to legally respon.
sible: or
Id) Al or Irom any craml~os, slle or
10Cllllon on whlcn any In~uree or
any oonlrGClor~ or ~ubconltaClOr~
working Olteclly or mOlloctly on
any Inouted's bohall are porform.
Ing operallon~,
(I) IIlhe pollulanl~ aro croughl on
or 10 Iho proml~os, ~lle or loca.
lion In connecllon wllh ~uch
operallon~ by such Insured
conlraclor or subcontraclor: or
(II) Illho! operallono are 10 Ie 51 lor,
monllor, clean UP, remove,
conlaln, Irool. oeloxlly or neu'
Irallze, or In any way respond
10, or asses~ 1M e!leCla 01
pOllulanlS,
Sucparagraplla 101 and (01 III 00 nOl
apply 10 'coo,ly ,n,Iw/' or'p/eporly
20
1lnaQQ' a/l~II'O 0,,1 01 haal. slneoe el
.ml om a l'OallIQ IIru,
As udullln IMls Q~CIUSIOf1, a ho~lIle lire
meBns one which becomea uncon.
Irollablo or breaks oul, Irom '/I,her~ II
WaS Inlended lQ be,
(2) "ny lou, co 51 or ~xp~nse ollolng oul
01 any~
(al Requeal, d~f11and or order IMaI
any Insur~d or Olhers IUI lor,
monllor, C181111 up, rl/move, con,
lain, IrUI. delo~lIy or neulrallze, or
In any way reopond 10, or auess
Ihe ert~cl5 01 pollulllnla: or
(b) Claim or 'oull" by or on behall 01 0
governlnQnlal sulhorlly lor
oamageo becouoe 01 leallng lor,
mnnllonng, cleaning up, removing,
ccnlolnlng. lrullng. oelO~IIYlng or
neulrallzlng, or In any way
IIIconaln9 10, or assUOlng Ihe
elleclo 01 pollulanls,
Pcllulanll means any solid, IIQUIC, gOB'
eous or Ihermal IIrllanl or conlamlnanl,
Incluolng Imck~, vapor, SOOl.lumes, acloo,
alkalis, chenlloals and 1'1'8518, Wasle
Incluoes malellals 10 be rec'/cled, reCOndl,
tlonea or reclal/neo,
g, "Boelly InlUry" er "pro~erty oamage" ariS-
Ing oul ollhe ownerohlp, mamlenance, uu
or enlrullmenl 10 Olher~ el any allcrall,
"aulo' or wolercrall owned or operaled by
or renleo or loaned 10 any Inaureo, Use
Includes operallon and "loading or
unloading:'
ThiS oCIUllon does nOI apply 10:
(II A walercrall while uhore on preml8e~
you own or lent:
(2) A welercrall YiJU do nol own thai I~:
(a) Leu Ihon 26 lee I long; ano
Ib) Nel being used 10 earry peraons or
property lor a charge:
(3) Parking an 'auto" on, or on the ways
ne~llO, premlus you own or tent,
provldeo the "oulo" I~ nOI owned by or
renled or loaned 10 you or Ihelf1Surl,ld:
(4) Llablllly anumed under any "Insured
controcl" lor lhe ownership, malnle,
nanC8 or UU 01 lIIrcrall or walercrall:
or
(5) 'Bcelly In'llry" or "property oamage"
Brlllng oul 01 lhe operallon 01 ony 01
Ihe lollowlng BQulpmenl:
(II Cherry pickers and Similar oevlces
mounleo on aulomoblle or IruCk
Cna~81~ ana useo 10 rOISe or lOwer
workera: and
(b) All compra~5M5, r '~5 an<:
gunaralors, Ir din\, .praYlng,
welding, bullolng, cleallln\),
geophyelCal explorBtlon, Ilghlll1g
and well eervlclng equlpma,'I,
h, "BOdily In!ury' or "preperty <lamage' OriS'
itlg oul 0 :
(1) The transporlallon 01 "mobile eqUIp,
menl" by an "aula' owned or operate<l
by or rented or loaned 10 any Ineureo:
or
(2) The uee 01 "meblle equipment" In, or
while In pracllce or preparallon lor, a
prellrral1ged /Bclng, epee<l or oemell.
liOn eonleet or ,n any elunllng aCllvl',y.
I. "Bodily Inlury" er "preperty damage' ouelo
Wllr, whelher or nol <leclareo, or any act cr
condlllon Incldenllo war. War ,nCIUiJeS clv"
war, Insurrecllon, rebellion or ruvelullen
ThiS exelus,on applies only IC 11001111'1
IIssumed unoer a cenlract c;r agreemenl,
I,
"Beolly Inlury", "property oamage", "per.
~onalln,ury" or "adverllslng ,nlury" cue 10
rendel1ng or failure 10 render any preles'
elonal service, Thl~ Includes bul IS nel
IImlled 10:
(1) Leglll, aceounllng or adverlls,ng
eervlces:
(2) Prepatlng, approving, or lalling 10 pre.
pllre or approve maps, orawlngs, epln.
Ions, reports, eurveys, change oroers,
deslgne or specillcallens:
(3) Supervlsery, Inepecllen er engineering
eervlcee:
(4) Medical, eurglCOI. Oenlal. x.ray or nurs.
Ing services or trealmenl;
(e) Any heelth eervlce or IrUlment:
(6) Any ce~mellC er ',onsorlal ~ervlce or
trealmenl:
(7) Oplometry or opllcal or heating alo
servlce~ IneluOlng the prp,ecrlc,ng,
preparallon. IItllng, oemonslrallon or
dlsltlbullOn 01 ophlhalmlc len~es ano
elmllar producl~ or heotlng Bid oevlces;
(B) Ear piercing serv'ces; ano
(9) 5ervlce~ In the pracllce 01 pharmac,!:
bullhls excluslen ooes nOI apply to an
Ineured whose operallons ,nclu<le
lhose 01 a rlllall oruggl~1 or orugslore,
k. "Properly damage' Ie'
(1) Property you own, rent or ecr.upy:
(2) Premloee 'leu sell, give away or acan,
dOn, If the "properly damage' al1~e~
oul 01 any pari 01 Ihese premises:
(~) Property looneo 10 you.
(4) Persenal property ,n 1M care, cusleoy
or conlrCI 01 llil! Insured
(e) Thai parllC' pari 01 ralllprCl:urty en
Whl' ICU. any cOIHraclcr or ~IJb'
cont, ".:Ior werking directly or Inolrecliy
on your bel1ali Is performing opera.
Iione, 'I Ihe "properly dama~u' IlrlUen
oul 01lho5U cparalllm5: or
(6) Thai particular part 01 any plepeny
Itlal mU51 b~ ruIored, repOlreiJ or
raplaced becauu "your work' was
Incorrectly pertorme,j on II.
Paragraph (2) 01 Ihln excluelon <lOU nol
apply Illhe prernl5ee are "your work' al10
warq never occupied, ranled er Mid for
rqnlrtl by you,
Paragropha to), (4), (6) and (6) ,)llhlS e)CIU'
sian dl) nol apply 10 lIabllllY o5sumeO under
a Ildetrack agreemenl,
Porogroph (6) cl IhlS e)CIUSIOn doe5 nOI
IPllly to "I,JlOperIY oamage ' InCluOe<l,n lhe
"nrOOUCl5,compleleo eperallens hn~aro '
I. 'Property demaQe" to "your prCducl' OriS'
InQ oul 0111 or any part 0111
m. "Property domsQe" 10 "your work" allslng
Oul 0111 or any pari 0111 and Ineluoed ,n Ihll
"preduels.cempleted operallons hazaro,'
This Uclu510n dOes nol apply ,I Ihe
damaged work or tile work eut er which lhe
oamage arleu WiU perlormed en your
behalf by a subconlralor.
n. "Froperly damSQu' 10 "Impalled prepl/rty'
or properly Ihat hee nol belln phYSically
Inlured, arising cui 01:
(1) A deleel, celielency, Inaoeouaey or
dangerous condlllon In "your preouel '
or "your werk"; or
(2) A delay or failure by you er anyene
acllng on your behalllo perlerm a cen.
Iracl or agreement In accoreance With
lis terms,
ThiS exclUSion den nOI apply 10 Ihe 105S 01
use 01 other preperty ariSing out of sueden
and aC~loenlal phYSical Injury to "your
preducI" or "your werk" aller ,t has bll\ln
put 10 115 II lIenced use
o. Oomagll5 claimed ler any 1055, coSI or
~xpunse ,ncurred by you or others lor Ihe
loss of un, Wllherawel. recall. ,n5pecllon
repatr, replacemenl. aOluSlmenl, removal
or dl5pesal 01.
(1l "Your precucl:'
(2) "Yolir work;" or
(~) "Impalleo preperly:"
II SUCh prooucl, work er properly '5 w,lh'
crawn or recalleo Irom Ihe markel or Irom
uu by any person er organl:3l,on bllcaU5e
01 a known or suspected dill eel, oeliclenc'i
,naceouac,! or oan\Jerous cellO,llon ,n 'I
2'
p, "Per~Qnol InIU'1 "4QVUII16Ing ,nIU'Y ,
(1) Arl~lng oul 01 oral ( 'IUun ~ubllcallcn
01 molerlal, If donu~, or allhu Cllucllcn
01 Ihe Ineured Wllh knowlllogll 01 '16
lal~lly:
(:II A"llng oul of oral 01 wIIuen pul;lIeolllln
01 mole"al wholO IIr~1 publlCllllon loOk
place belorlllhll bllglnnlng Ollhll POIIC'I
periOd:
(0) A"llng oul of Ihll wllllul vlolallon 01 a
penBI Ilalute or ordlnBnce ccmmlttlld
byor wllh Ihe coneent of Ihlllnlure.:t: or
(4) For whiCh Ihll Inlured has allumed
lIablllly In a conlracl or agreemllnt.
ThIS '~clualon doaa nol applY 10 lIB'
blllly lor damagu that l/1e ,neurea
would have In Ihe ablOnc~ cllhe ccn.
IrBcl or agreement,
q. "AJverllalng Inlury" an5lng oul cl:
(1) Bruch 01 contract. Olher Ihan ml6ap,
prOprl8110n 01 aoverllslng 'OelS unl:e'
In Implleo cOnlracl;
(:I) Th. failure 01 goclll, proouetl CI ~er.
VICes 10 conlorm wllh aovertluo
Quallly or pllrformance:
(0) The wrong ducnpllcn 01 Ihe ptlce cl
goods, prooucll or servlcea: cr
(4) An offense commlneo by an Insureo
w/1ose bU5lneu ,~ adverllllng, troao.
cnllng, PUclll/1lng cr 1e1eC4ellng
e~clu5l0ns c.. d.. e.. I.. g.. h.. '.. k..l.. m.. n.
and o. do not apply \0 oamagl! oy lire c~
e~p105l0n 10 plemlaellenled 10 ycu. A IeP-
arale Llmll 01 Insulance applle! 10 1/1IS
coverage ea deecllbed In Secllon 0" Llmlll
01 Inlurance,
r. "Bodily InJuly" or "propelly damage" ails-
Ing oul 01 lerVICU lenoered oll/1e appllca-
lion 01 any plepalallon 01 1M use cl any
appliance In connecllon Wlt/1 eun lamps CI
lannlng lampl 01 Clhel,"aOlallng aevlces,
2, Appllcabl. to Medical E~peneee Coverage
- We will nOI pay upenles lor "coolly 'nluIY'.
., To any Ineuled.
b, To a perlon hlled 10 dO WOlk 101 01 on Mnall
01 Iny Inluled 01 e lenenl 01 4ny ,nlureo.
c, To a pillIon Inlureo on l/1al pall 01 premllel
you own or lenl 1/111 Ihe perlcn normally
oecupl8~,
d, To a perlon, whethel 01 nOI an employee 01
Iny Insureo, 1/ bene"ll 101 1M "boolly
Inlury" Ire paYlble 01 mUlt oe plovloeo
unoer a workels eompensallon or OI&aOlllly
oenellll law or I Ilmllar 'ow
e, To a perlon Inlured wnlle \ao,n9 pari ,n
IlnleIIC~,
I, InCludeo Wllh,n Ihe'pror:luCls,~omplllled
ooelallon~ nlUaro'
0, EorluQe~ un~er Eu6111V55 L,ao,,,,,
C IIalll!.
h. Due 10 \, ,wt1elhar 01 nol oaclaled, 01 any
ael 01 condlllon InCident 10 war. War
Includes Civil war, Inaurrecllon, rebellion 01
revolullon,
0, Appllcablll to bolh Bualneu Lloblllly
COYeroge and Medical E~pllnalB Coyeroge
- Nuclear Energy Lloblllty Exclusion,
This Insurance doea nol apply:
0, Undel BU5lnna Liability Covelage, 10
"bOdily Inlury" 01 "property damage":
(1) Wllh respaet 10 which an Insuled undel
Ihe policy Is also an Insuled undel 0
nuclear energy lIablllly polloyllsueo oy
Nuclur Energy Llablllly Insurance
AuoCl.llon, Mulual Atomic Energy
LlabllllY Underwnlers or Nuclelllnsur.
ance Assoelallon 01 Canada, or WoulCl
b. an Insured under any such polle'/
but 101115 lermlnallon upon exhauSllon
01 III limit ofllBblllly: or
(:I) A.sulllng 110m Ihe "ha.zardous ploper.
Ilea" of "nuclear l1Iolellal" ano wllh
respecl 10 which:
(0) Any person 01 olganlzalion 15
reQullad 10 malllloln IInanelll pro.
lecilon pur~uonl to Ine Alomlc
Enelgy Acl 01 ISe4, or any 'ow
Imendatory Ihereof: 01
(b) Thll Insured Is, 01 had Ihla policy
not been laaued woulo ce, enllllee
10 Indemnlly 110m Iha Unlled
Silt" of Ametlcl. 01 any agency
theleol, under al'y Igleement
entered Inlo by the Unlled Sllles
01 Amellel, 01 any Igency Ihereol,
wllh any pellon 01 olganlzlllon.
b, Undel Medlcll e~pense5 Coverlge, 10
expenl8a Ineulred wllh lespeCI 10 "boClly
InJuIY" lesulllng flom Ihe "hazalcoua prop.
ertlee" 01 "nuclear 11I11e11al" and Illslng oul
01 Ih. operallon 01 a "nuclear laclhlV' cy
any pelson 01 organization,
c, Undel Buslneu Liability Covellge, to
"bodily injury' or "ploperty damage" Inull.
Ing Irom Ihe "ha.zardous ploperlln" 01 II III
"nuclear malellal"; II:
(1) The "nuclear malerlal":
(a) IS al any 'nuclell laelllly" ownee
by, 01 opelaled by 01 on beMl1 01.
an Insul.d: or
(b) Hu been dlaehllgeo 01 ollpe'~eo
Iherlllrom:
(2) The "nuclear malellal" ,~ eonlllnea ,n
"spenlluel" 01 "wasle" al any lime pos'
seueo, hanoled useo, plocesseo,
~toleo, IllnSPOrleo 01 olsposee cl Cy
or on benlll 01 an ,nsureo, or
."
-:)
(3) The "bodily In/vrv' cr "Qloperly
dllmllQe" arises ov he Ishlno by
Iln Insvred 01 urvlcbd, mOI.rlllls, paris
or equlPmunt In connecucn wllh 1M
plllnnlng, conWuCllon, mmntenonCd,
oc:erollcn or use 01 any "nuclear 10cll.
11y"; but II such laClllty 's IccDled wltnln
Ihe Unlled 51ales of ~mellcll, liS leI'
IlIorles or posseulons 01 CanlldD, thiS
,)(cluslon (31 applies only 10 "prcperlY
dBmIQe" 10 such "nuclur lec,llIy' and
,nv ploperty thereat,
As used In thla exclusion;
"byproduct mlll,ria'" hDS the mllBnlnQ gl~en ,t
In Ihll Atomic Energy ~cl 01\9501 or In any IIlW
amendDlory Ihereol:
"hllza'C10U4 p,operlllls" Include ladloacuve,
10XIC or explosive properties;
"nuclell' laC/lily" muns:
(a) ~ny "nuclellr IUCIOr";
(b) ~n}' equipment or deVice oeslQned or used
lor:
(1) SeparallnG Ihe Isclopes 01 uranium 0/
plutonium;
(2) P/ocesslnG or utill%lng "spentlue''', or
(3) HandlinG, procur'nG 01 packDglnQ
"WB!le";
(c) Any equipment 01 deVice und for the
prccesslng, labrlcallnG or alloyinG 01 "spe-
cial nVCleal material" ,I al any lime Ihe 10lal
amounl 01 svch material In Ihe custcdy 01
Ihe Insured at Ihe premises where such
eQuipment or device Is 10cDled consists 01
or conlains more than 25 grams of plu,
lenlum cr uranium 2~~ or any comt:lnallcn
Ihereof, 01 male than 250 grams 01
uranium 2~5,
(d) Any struclUre, basin, excllvallon, premlus
or place prepated 01 useo lor the Btelllge 0/
dlsQosal of "waste";
and Includu Ihe slle on whlcn Ilny oltne lelll-
going Is 10ealeO, all opelallens, conOucled cn
such site and all plemlses used 101 sucn
operations:
"nuc/ee' ma/al/al" means "source mlltPrlal",
"special nUClear matelllll" or "byprOduct
matenal";
"nuc/ear rellclor" meons any apparatus
deSigned or used 10 sUBIIlln nUClear IIUlon In a
ull-supportlnG cnaln reaction or to contain Il
cnlle:ll mass olllUlonable materlol;
"property C1l1mage. incluoes alllorm~ of rOdlO-
ac:llve conlamlnalion 01 ploperty,
"aource marena" haa Ihe meaning given ,I,n
the AIOmlc En~rgy ,loCI 01 19S4 or ,,, any low
omenoalory Iner,lICI;
"speCial "uOIlSr matenill" hIle tne me~n,n'}
given 11'" 1M AlomlC Ener'}'1 ,loCI cl 19S4 or ,n
any 'ilW amenCillcry IMracl'
ij
'5Iil1'" IUtli" lI1elll\~'n1 I~ijl e'urnerll or lue'
componlln~ - 'lid lould, which haS blten
VBIIO or ex\... .uo 10 roollll.lon In 0 "nllelQBr
rUllclcr' ,
'waale' means any wlIsla mlllerllll:
(a) Contllll1lng "by-pIOdu~t malelllll" olhol
Ihan Ihelllhngs 01 WllslaO procJucBo by "1e
exl,acllon 01 cencentlllllcn 01 uronlum or
thOIlUM Irom any o/a ploCllsseo pnmal/ly
10' III "soulce mlllalllll" con lent; allo
(b) Relulllng Irom the opOlllllon by Ilny person
0' 01114nl%01l0n 01 OilY "nuclear lllelllt(
InCluded under pa/oGlapna (a) and (b) 01
Ihe dellnlllan ol'nuclOQr Illelllly"
C, WHO IS AN INSUREO
1, II you are cJeslgnated In Ihe Ceelll/Ollons ao
a, An il1dlvldual. you and your spauu Ille
In~ureds, cui ol1ly wltn /eepeclto Ihe con.
duct 01 a CUllness cl 'IInlCI1 you "' In., SOle
owner,
b, A paltnelsnlp or 10lnl venlure, you are Iln
Ineureo, Ycu, memoers, your partners and
their sPouus Ilre ol~o InSUIOdS, bul cnly
Wllh le~pect 10 the COnduCI 01 ycvr
bUelneu,
c, ~n organlullon olher Inan 0 pallnershlp cr
10lnt venlu", yov are on ,nsureo, Your
eXllcullve olllcers Ilnd directors are In.
sureos, cut cnly Wllh /uc:ecllo trell culles
as youl oHlcels or olrectols, Ycur sICCl<.
hOlder 0 ate alSO ,nlUltdS, bul enly Wlln
respecllO Ihelr lIablllly os stcckholaers,
2. Each of Ihe Icllowlng Is also an Insured:
eo Your omplayees, alher tnon your execulive
officers, cut only 101 acID wlln,n Ihe ~cope 01
their emoloyme,,1 by you. However, no
employee's an Insureo lor:
(1) "ecdlly Injury" or "personallnlury" 10
you or to a co.employoe while ,n Ihe
CQU/U of nls 01 ner employment. or 10
the spouae, chllo, parent, t:lolnel cr
elllar of Ihat co. employee os a cen.
seauence of sucn "bOdily Inlury", cr
"perecnallnluly", or for any OOIlGllllcn
to shale damages wltn or repay scme.
ana tlU WnO muSI pay aamage5
becouse ollhe Inlury:
(2) 'eadlly Inlury" 01 "peraonlll,,,/ury" ans,
Ing out of hiS 01 her plovlalnG or IIl,"ng
10 plo~lcJe pro less lanai neallh c~re
services; or
(3) "Property oamllQe" 10 prcpelly ownec
01 occupied by or renllla or 'caneo Ie
Ihal employee, any 01 YOllr clner
employees, or any 01 yovr pllrlners cr
memoers III you are a pllrlne'sn,c or
IC'nl venlurel,
2~
b, Any pernon (Olh( Ian your employee!. cr
any organllollCm ,lIle - ng on your real
enlale manaqer.
c. Any per50n or organlzallon having prcper
temporary cunlody 01 your propeny II ycu
die, but only:
(l) With re5pect 10 lIablllly arising oul ct
the maintenance or un 01 Ihal
properly: and
(2) Until your legal repruenlallve hu
bun appointed,
d, Your legal represenlallve II you die, but Ol1ly
wllh rnpeetto dulles u such, Tholl lepre'
5enlallve will havII 011 your rlghls and dUlles
under Ihls policy,
3, With rupeetlo "mobile eQUlpmenl" regl5tered
In your name under any malar vehlclll /eglst/a'
lion law, any pe/50n Is an In5u/ed while drlv'ng
SUCh eoulpment along a publiC hlgl,way Wllh
your permission. Any olher person or organl:a.
lion /e5Pon5lble lor the conduct 01 such pereon
Is also on In5ured, but only wllh rllspacl to
lIablllly arl51ng cut 01 the cJ;e/allcn 01 the eQUIp,
mllnl, and cnly II no olhe/lnsurance 01 any kinO
Is available 10 Ihal per50n or organilallcn 10/
thiS liability, However. no per50n or organllallcn
Is arl In5ureo Wllh re5peet 10:
a, "eoolly Inlury" 10 a co.employee cl Ihe
person driving Ihe eQulpmenl: 0/
b. "Prope/ty damage" 10 prope/ly cwnao by,
renled 10, In Ihe charge 01 or occuplee by
you or Ihe employer 01 any per50n whc ,n
an ineured under thiS provl510n,
No peraon or ClIganllallon ie an Inauree Wlln
reapecl to Ihe conouCI 01 any current 0/ paal
partnerahlp or 10lnl venlure Ihal In nOI Shown ae
a Named In5ureo In the Declar~lIcnn.
D, LIABILITY AND MEDICAL EXPENSES LIMITS
OF INSURANCE
" The Llmlln 01 Inaurance shown In the Declara.
tlonn ano the /ulen belOW IIx the moal we Will
pay regardle55 01 Ine number 01:
a. In5ureds:
b, Clalmn made or "5ulls" brougnl: 0/
c, Per50na or o/ganllBllonn making c,alm5 or
bringing "sulln".
2. The m051 we will pay lor the sum 01 all oamagu
becaU5e 01 all:
a, "Bodily InIU/Y", "properly oamage' and
medical eXpe"5e5 all51ng oul 01 anyone
"occurrence": and
b. 'Per50nal Inlury" and "aovertl5lng 'nlury"
su51alned by anyone person or
organllatlon;
la Ihe Liability and Meolcol Expenses Ilmll
anown In lhe Declarallona, Bullne mOSI we w,lI
pay lor all meolcol expensea because 01 "boelly
Inlllry" sustalneo by anyone person ,alne Meo.
'COI Expenses lim't snown ,n lhe Oeclorollons
a, The n)l1~1 WI! Will pay uncut flUSII'UbS L,ae,,,I't
Covet ,10' ..:lemegea becauu cl'prcpeny
llemugu' 10 ; nl5ea renleo 10 you ~nnlng cut
01 ony one lire or e~plonlon In Ihe Fire Legal
Liability limit ahown In Ihll Decla/allonn,
4, Al10regal, Limits
The moal we will pay lor:
., Inlury or damage under the "producIS'
complllleU op"allon5 11aurd" ollSlng Irem
all "occurrences' dunng Ih, pOlicy period
Is twice Ih, Llablllly and Medical EXpen5U
limit: and
b, All olher Injury or damage, Includlnp mllol.
col IlXpenU5, arl5ing Irom all 'occur.
rence5" dUClng Ihe policy period II twlc,lhe
Lla~llIly and Medical EJtpenU5 limit. ThiS
IImllallon dOU not apply 10 "property
damagll" 10 premlau renled to you analng
oul 01 lire or explosion,
The IImlta 01 thiS POliCY apply aeparately 10 eaCh
eonucullve annual periOd and 10 any remaining
pellcd 01 lua Itlan 12 monlh5, 51artlng wllh Ihe
~eglnnlng 01 Ihe pcllcy pencd ahown In Ihe Declara.
IIcns, unlU$ Ihe policy penod 15 eXleneeo aile/
iasuance lor an aoclllonal period alien Ihan 12
mcnlh5, In Ihol cau, Ihe additional penod will be
deemed pan 01 the laal preceding pened lor pur.
pose5 01 delermlnlng Ihe Umll5 01 In5uClnee,
E, LIABILITY AND MEDICAL EXPENSES
GENERAL CONDITIONS
1, Bankruptcy
BankruplO'1 or In50lvency 01 Ihe Insuree or 01
tile Insurad's ealale will nOl relieve U5 01 cur
obllgallcn5 u'loer lhia pollO'l,
2, Dutlea In The Event 01 Occurrenoe, CI,'m
Or Suit
a, You muat ale 10 Illhll WI are nOllfled la
aoon u practicable 01 In "occurrence" or
an oHlnal which may ruullln a claim, To
Ihe eXlenl p05alble, nollCI should mCluoe:
(1) How, when Ind wherl Ihe "occur.
renoe" or OHln5e look place:
(2) The names and addreun 01 any
Injured person5 and wilnu"a: ano
(3) Thl noMe and location 01 allY Inlury or
oamage an51ng out 01 thl "/lccur.
rence" or otten51,
b. If a claim la maoe or "5ull" la brougnt
agaln51 any Inaured. you mU5t:
(1) Immedlalely record Ihe 5peclllca 0/ Ihe
claim or "sull" and Ihl dale reCQlVIO:
ano
(2) NOllly ua as aool1 aa pracllco~le.
You mual see 10 'llhol V,'1 receive wllnen
nOllce 01 the claim 0/ "sull' .15 socn u
P'8CllcoOle.
24
c, You and any othm "we '0 I 'e<1 ",u~1
(11 Immlldlatllly eend ,.a COplll~ 01 ol1Y
oen'al1ds, noIICUS, aummona05 or
legal papllrs rucol~ed 'n cOMeCtlon
with the claim or "~ull":
(21 AuthOrize ue 10 oblaln recorda nna
olher IhlormBllon:
(01 Cooperale with us Inthll InvQ5llgGlien,
allltlemenl or dellln~e of lhe clOlln cr
"suit": and
(4) Anslsl us, upon our requasl. In lhe
enlorcement of any right agalnal any
pereon or olganllatlOnlhUI may be 110'
blelo the Ineured becauee ol'n,ury or
damage to which 11118 Ineurance may
also apply,
d. No InsuredS will, excepl atlt,elr own ceal,
vOluntarily makll a paymenl. as~ume any
obllgatlCn, er 'ncur any expense. elMr than
ler IIrat Old, w,lheut <)Ul' cel15el1t,
:)
A, Financial Raeponelblllty Lowe
la, When thiS pellC'1 is certllled as preel el
IInanelal ra5Ponslblllty lor the luture ur,eer
the pro~ISlons 01 any meter vehiCle IInan.
clal responsibility law, the ,n5urance
pmvlded by lhe policy ler "baolly ,nluri'
liability and "properly oamage" liac,l'ly w,li
ccmply wllh Ihe provl51ens el 1M law Ie lhe
eX18nl 01 Ihe coverage ano IIm,la cl ,nsu"
ance reOUlred by thai law,
b, Wllh respect to "mobile ecu,pmenl.' Ie
which lhls Insuraneo appllea, we Will
p'o~loe any IIBClllty, ul1lnsureo melellSl5,
unclellnsureo me101lS15, no.laull or elher
co~erage reoUl/ed by any maler vehiCle
law. We Will prov,oe lhe reoUlreo IIml15 lor
Ihose coverages.
4, Legal Action Agalnet Us
No persor, or erganlzallan has a light ur,ear Ihla
nOIi'.y:
., To jeln us as a party or otherwise bllng us
InlO a "SUIt" BSklnG lor damages Irem an
Insured: or
b, To sue ue on thiS policy unleS5 ail 01 'IS
terms have be on lully cempllec wllh,
A person or organlzallon may sue USia recever
on an agreed senlemenl er on a Ilnalluogment
agalnsl an ,"sured oblalnec aller an aCluallllal:
butwe 1'1111 not be hable lor oamagealhGl are nOI
payable under the lerms 01 thiS POIle'1 or Ihal
ore In excess of the applicable Ilm,l 01 ,nsur.
ance, An agreed selllemenl means a 5el1le.
menl ano release 01 lIao,'lIy 5'gnec by us. lhe
In au red ano lhe clalmanl er lhe cla,manlS leg31
represenlallve.
~, Separollon 01 Ineureds
Exceo' w'lh '050eCllo lhe L,m'ls cllnaurance,
ano any "9h15 or cutles 50ec,I,c311Y a5s,gnec ,n
~
Ihlll p:II,',IU tllIIlH' 11111111 IIH;I//lI'I, 111111'/1/"1"
311<:0 III:plle
a, Aa Ii cad' NlIl1lllcl 11l1ilJ/lld were Itlll CIII',
Nal11lld lt1eu/l1d: illiG
b, Se~3rll11)1Y 10 eoch ,nliured a\10lnlll whOm
Clnlln 's made or "sulI 18 lJroughl'
F, LIABILITY AND MEDICAL EXPENSES
OEFINITICN6
1. "Advertising Injury" meane Injury arising oul
01 0118 or more olthlllolloWlng offensu:
a, Oral or wnllen publlcallon 01 material IhOI
alanders or lI~ele a per~on or organlZallon
or disparages a per 5011 5 or organlzallon 5
gcods, ploduCIS or aervlces:
b. Cral Qr wllllen publica lion 01 malellal Ihal
Vlclates a peraons IIghl 01 Pllvac'(
c. Mlsapproprlallon 01 a<Jvllrtlslng loeall or
lIyle of dOing bUSiness: or
1, Inlllngomonl 01 cepYrlghl, IIlIe er slogan,
2, "Auto" means a land molal vehicle, Iraller or
~emilrBller deBlgned 101 Iravel en public "eacs,
Ineluolng any allaehed maChinery or eoulp'
menl, eut "aulo" doea nOI 'nclude "mocile
eqUipment" ,
O. "Bodily Injury" meons bodily Inlury, SICkness
CI al5use sustained by a person, Incluolng
oenth resulting from ony ollhese 01 any lime,
A, "Coverage Terrllory" meane:
a; The Ul1Ited Slate., 01 Amellea (InCIUOlng 'IS
le"lIolles and poasells,onsl, Puerle FICO
and Canoda:
b, Inlernallonal walerll cr Blrspaee, prcv,oeo
Ine Injury or damage doea nol cccur ,n 1M
ecurse 01 travel or transportallon 10 or Irem
any place nollncluoed In a, aceve: or
c, All parts ollhe world If:
(1) The inlury or damage allses cui 01:
(I) Goods or producls maoe er selo
by you In the territory oesclloec ,n
a, abo~e: or
(b) The aetlVlIlU 01 a perGon whose
home IS In Ihe territory desellbeo In
a, above, but '5 away lor a anorl
lime on your bUSiness: ano
(2) The Insured's responlllblllty 10 P,1Y
damages Is del ermined In a "aull' 011
the mellls ,n the lerrltory descllceo ,n
a. above or In a ael1lement we agree to,
~, "Impaired Property" meons tangible orop.
erly, alher lhan "your proouct" or "your work'.
IMI cannel be use~ or 15 less uselul because:
B, II ,neorpo'ales "yeur producl" or "ye~r
wc,"" Ihal'5 knewn or thoughl to 00 celee'
live, cellclent, Inaoecuale or oangereus or
b. Ycu have IBllecllo lullilllhe terms cl a cen.
Iracl or o~'eemenl.
2~
I' ~UCh PIUp"uly cun, " , IU~I';IU': Ie "~u ty
(ll Thu lupOlr, 'epl~. JlnQ odlu6tment d'
IQf110vnl 01 'your proouct ,f "your WOrk", 0'
(~) Your lullllllng thfl torlnB <:1 Ihe cont~acl or
ag/QQlntlnl,
&, "Inaured COtllrflot" mflnn~,
0, A lease of premlBaB;
b, A GIOelrack ograamQt1I:
e. Any eaumenl or license agrumenl.
excepl Ii' conneC'lIOn Wllh conslluCllon or
demollllon operallens on cr wllhln eo filet
01 a railroad:
d, An cbllgallon, ae raoul/ed by orolnanca, 10
Inoemnlfy a munlClpallly, e~caPlln connec'
lion wllh WO,k ler a munlCloolllY:
a, An elflvator mOlntananco ogreemflnt:
I. Thai pall 01 any clhar ccntrocl or ogree.
ment pertolnlf1gto your bUSiness (Including
an ,naemnlllcOllon 01 a muniCipality 'n con.
nettlcn Wllh work perlormeC Icr a munlc"
palltyi unoer whlt~h you assume the tort
lIeelllly 01 anolher party 10 poy lor "ceolly
Inlury' or "preperty com age 'Ie a thlrC per,
aon or oryanlzotlcn, Tort "utility mUns a
lIaclllly thol would ce 'mpcsao cy law In Ihe
aesence 01 ony contraCl cr ogreemenl,
Jl-n 'Insured controcl" ooe6 ncl,r.cluOe 1I,at part
01 any conlract or agreemenl;
(a) Thai 'noeml1lllee uny pe,scn or organl:J'
lion lor "eocily Inlury" cr "property
oamage" allslng oul 01 con5\luctlon cr
oemcllllon cperotlons, wllhln eo leet 01 any
rallrcac prooerlY ana allectlhg any 'ollroac
bJloge or Ireslla, 1I0CI<S, 'coc ceos, tunnel,
unoerpass or crossing:
(b) Thatlndemnllles an archileCI, eng,neer or
surveyor lor Inlury or oamage Ollslng oul cf:
(1) F'repallng, apprcv,ng er la,lIng 10 pre.
pare or opproye mGCS, crowlnge, eCln.
lens, 'eperIS, surveys, cnange oroe,s,
oeslgns or speclllcallons: or
(2) Giving clrecllens or ,nslrucllcns, or la,l.
Ing 10 g,ve them, lllhel 's Ihe pllmary
cause 01 the ,njury or oamage:
(e) Uncer WhiCh tho Insured ,I an archllecl,
engineer or surveyor, assumes Ilatlilly lor
an ,nlury or damage all sing cui 01 the
Insured's renoellng or lallure Ie render pre'
le65lonol eerVlCes, ,nCluclrg Ir,CSfl Ilalec 'n
(bi aCave and superv'ser,!, ,nscecllon c,'
englneellng serv'ces, or
(d) Thai Indemnllles any persen or orgal1l:o'
lion lor damage by lire or e~pleslon 10
premises rented or 10aneO to you,
7, "Lowdlng or Unloading," means Ihe hanclln9
01 p,operly:
a, Alter ,I,S moveo Irem the placo whore ,t,s
a"epluo ler movomenl'nlo ar onlo an ail'
crall, wawcrall o,'aule',
b, \"1'"'11) ,111$ 1/1 ...;, ";l~ \11' lJd \.' oj,., "oJ,.. ',,101" "
"0 ", or..
c, WI""j II ,QIl'1I moved Irom art alrcrall,
wolercralt or "aulo" 10 Ihlt plaae wherltll"
IInally oellvered:
bul'looOlng or ullloadlng" ooes notlne:uoe Ihe
movement 01 properlY by meana 01 a macMn.
leul deVice, olher Ihan a hanclltIJok, Ihatls nol
anOChed to the allelalt, walerclalt or "auto',
8, "Mobil. Equipment" meana ony ollhe lollow.
Ing Iypee 01 land vel"elea, Including any
'lIached machlnury or eQuipment:
., eulldo~ers, lorm machinery, lorkllfts and
olher vehicles ceslgned lor use pnnelpally
011 pUblic roads:
b, Vehlellls malnlalned lor use solely on or
I'e~l 10 premises yeu own or rent:
c, Vehlellls thol IIavel on crawler Iruos:
d, Vehlelas, whelher sell.propelled or nOI, on
WhICh are permanenlly mounted;
(1) Fower cranas, ahovela, loaders, dig'
gers or olllls: or
(~) Road construellon or resurlaclng
aQulpment SUCh os Graoera, scrapels
or 'oilers:
., Vehicles not oescllbed In a" b" c, or d,
acove Ihal ora nOI eell.propelleo al,d are
malnlalned prlmallly 10 provide mebllllY 10
permanently altaeheO equlpmenl 01 Ihe
lollowlng Iypn;
(t) Air como,ossors, pumps one gener'
alors, InclUding spreylng, weldln9,
cullCllng eleanmg, geophYSical explo.
rallon, Ilghllng and well serYIClng
equlpmenl: or
(2) Cherry plokers alld Similar oeVlcal
used 10 raise or lower workers;
t, VehiCles not desc/lbed In a" b" c, 0' d,
aeove maintained pllmanly Icr purposes
other Ihan Ihe Itansportatlon 01 persons or
cargo,
Hewever, sell. propelled vehicles With the
follOWing Iypes 01 permanonlly allacheO
aOUlpml1nt a,e not "mobile equipment" bul
wlllce consloered 'aulos";
(1) Equlpmenl deSigned p/lma/lly IeI',
(I) Snow removal:
(b) Road maintenance, but net cen.
strUtllO" er re5urlaclng:
(Il) Streel elllonlng:
(2) Cherry pickers and similar deVices
mounled on aulomoClle or Iruck chas.
SIS and used to raise or lower worke.s:
and
(~) All compressors, pumps ana gener,
alors. ,ncludlng spraYing, welOing,
bUilding Cleaning, geopnY51CJI explo,
rallon, lighting ana well serv,c,ng
equipment.
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8. "O~~urren':." m~Ill1U 1111 1I"",IOUl1' '''CIUO'''~
conllnuou6 or rUPuolUU u)~ I/U uesIOl1'
tlolly Ihl!l somu 9~I1uroll'Olll1nJI COI1OIIIOl1S
10, "ptrsonallnlury" means "'IUr'l, olhllr Ihon
"boolly Inlury', alls"'g OUI 01 enu er moru ollhe
following 0l1un6u6
I, FalsQ arr061, uolonllon or ,mpllsonmenl:
b, MalicIous pr060cuIl0l1,
c, The wronglUll!lVICtlOn Irom, wrongful onlrY
Into, or InvaSion ollhe right 01 pllvate cccu.
poney 01 a room, oWlllllng or premises U1I11
a pllr50n oecup'os, by or on eehall 01 liS
ownllr, lanlllorll or le6scr',
d, Oral or wllllen puellcolien el molllllallhal
slanoers or IIbulS a persen er or90nl~01l0n
or dlsporogos a pursen s ~r elgal1I~Ollon s
gocos, procUcls or surVleus or
II, Oral or Wrillen puellC,llion 01 male rial Ihal
vlololes a poreens righl el ",Ivae'l
11. a, "Prooucts - Complulud Oporollons
Huard" InelUQOS all "ccolly InJury' OM
"properly oamllgo" allslng oul 01 "your
proouel" or "yeur we,"' ocop\,
(1) Prcduels thai are sllll ,n yeur phySical
possesslen; or
(2) Work lhat has nel ,Ill ceen ccmpleleO
or aOanOcneo. .
Thll "codlly Inlury" or "preperty oamage"
mUSI oc'~ur oway Irom premises ,au cwn or
renl, unless yeur bUSiness ,ncluoe lhe UII.
lng, handling or OISlricullCn ol'yeur preO'
uct" ler censumplion en preml51l5 yeu own
Or renl,
b, 'Your work" Will be oeemed cempleleo 01
the earllul 01 Ihe 10110 wing limes:
(1) When all 01 Ihe work calleO fcr ,n your
conlract has been cempleleo.
(2) When all ollhe worK IC ee acne allhe
51UI has been cempleteo II ycur cen.
tract calls lor werk 01 mcre Ihan one
511e,
(:1) When Ihat part 01 the Wcrk cene at a
lob slle has been plJIIO ,ls,ntenOIlO use
by any person or crganlzalicn 01 her
Ihan another controcter or subcontrac.
tor worl<lng on lhe same prolect.
Work thai may neeo SQr~,ee, maintenance,
correcllon, repair or replaCemen\, bul
whiCh 15 olherwlse complele, w,lI ee treateo
u compleleo,
C, ThiS hazarO Ooe5 not ,nCluoe .'be~'ly 'nlury"
or "preperly oGma~e' arl5ln~ Oul 01'
(1) The Iransponal,on el properly, unlllSs
1M 'njury or ooma~e arl5e5 cui ~I a
COMlllen ,n or on a ~enlCle cre31eo cy
Ihe .'IOGO,ng or unloaolng , 01 ,\, or
(2) The e>l5tence 01 100'5 un,n$13l1eO
tou,pmenl or 3bllnOOMO or unU5eO
mi1terlalS
~
, 2, "Prop"rty OO,[11aoe" "IU3"5
a, PhYSical lry I... ,.nIlICle properly, InelUel'
lng all rusulllno 10SB 01 uall ollhal property
.All such lOSS cl use shall ce oellmeo 10
occur allhe lime qllhll phYSlcal,n/ur't Ihal
cauaeo III or
b, loon 01 uae cllanglble preperty Ihal's nct
phyalcolly InlUIllO, .All such less 01 un ,n411
b. 0""'''0 10 occur al 1M Ilnle 01 Ihll
"ocpurrenell' Ihal causeo II,
1:1, "Sull" meal'S a CIVil proceeoln9 In WhiCh
oomagn because ol'bcolly ,nlury , "proPllrty
oomage", "perBonal In,ury' or "aOVertlslng
Inlury" 10 whiCh Ihls Insurance appll.S arll
01 cged, "Sull" InCIUOU:
a, An arbllrallon precellolng 'n which SUCh
oamoll1l5 are Claim ell ano 10 Which you
musl submll er 00 suomll wlltl our eennnt
or
b, AI'y Olher allllrnallve Olspute resolullon
proeuClng In wh,r,n suen eamaglls are
clolm.C ,no 10 whiCh you submll Wllh cur
consent.
14, 'Your Product" means:
I, .Any gooos or prO<1l;ela, olher than leal
properly, manulaClureO, aolO. hanoleo, OIB'
ItlbuleO or olapouo 01 by
(1) You;
(2) 0lhllr5 traolng unoer yeur name. er
(:1) A perscn er orgal1l:allen whon CUSI'
nUB or 06sels ,OU have acoUlleo: aM
b, Containers (Olher Ihan vehlcle51. mate.
nala, part a or eoulpment IUl/115heO ,n cen.
nllcllon wllh such gccos or prceuClS
''(our preouet" lncluoea:
I, Warranlles or repreunlallOI16 mace al any
11m. With reBpeet lc Ihe IlInen, euallly,
durability, perlormanee or use 01 "yeur
procuct", ana
b. The provlolng alar failure to preouce warn.
Ings or InalruCllens.
"'(our proouel" ooea not Inoluoe venolng
machines or olher properlY renleO 10 or localec
Icr Ihll use of olhers bul net solO,
15. "'(our Work" meana,
a. Woro or operaliona perlormeo by you or on
your eenall; ano
b, Malenal5, POria or eou,pmelll lurnl~heo ,n
conneClion wllh such we/I< or operallOI16.
"'(our wcrk' ,neluoea:
a, Warranties or representallons maoe al any
lime w,lh respecl to lhe Illness. Quallly.
ouraC,i1ty. perlormonee er use 01 "your
wo,"' ano
b, Tne preVlo'ng alar lallure Ie prov,oe warn.
,ng5 er ,nSlruCllon5
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IN.\ ~.I& Brl AN
,. STATE AUTO. 1N6URIO C!2.eJ _
IIIfiJ ImJurarwo COll1pllnloll sOP '3lJi!'1LL 00
11
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HI':AHXlenu Q1UOl
1MaH~.tMJW~~~M
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1'llIS ENLJO/lSF.MI!NT CHANGt:S THE POL'CY, PlJl~SI!!llll!"'O IT CAREFUllY,
PENNSYLVANIA CHANGtS
'fl1l......"nlnl mlllllllql Iho Inlulonce prc'lhlod,
lit.. ~~5m or- Yl1IIK H'UIIT~ ANlI llunES UNDF.R
.~L1CY Common Polley C~ndlllcn Is ,upleee~
die' rallowlnu:
N5FER OF YOU/l /lIGHTS AND
IIIS UNDEIl nlls POLICY
rlghl3 onu uullel u,"I~r Ihll pOlicy mlY nul
lralllferred wlth/llll 0", w,lIIun cenlonl extlpl
till cu. u, u.oth Ul on InulvldUl1 NOr1ll1u
d.
yOU diu, your rights II1U <lullOI 1'1'111 110
furred 10 your I'~II ropr~5enllllY, bill enly
III Icllna w,U,ln Ill" leep,' 01 dUllee as 'lOll I
II rtpruunlallve, Unlll your leal I
DBlal/vo Ie appointed, anyone h.vlng ~roper
parary custody 01 your oropo/1'i 1'1'111 havu
right. III1d uullos but 0""( 1'1'101 rU5pocl tIl
~ p"'perty,
'.
dll. Ihls Polley will r~mlln In etleet u
did In 1. or 2, balow, whlchem Is loler.
Far ISO days 11I.r your death ruoordlel5 o(
lItl polley pUllcu lhown In Ul' Uoclor;lIons,
unllll Ihl Inlvron property I. lold priur to
IIIIt dlle: or
Until the Ind uf tho pollL"y period .1101'111 In
lItl OlcllrollOllO, unllss thl Insllroe PIOPlrty
II laid prior 10 that ~Ilo.
gl during lilo pf/lod 01 IIml altor your
III 'I lublect 10 011 PlOvlslon5 01 Ihls policy
udlno p.ym."1 01 ,ny pramlulll duo lor tl1u
ICY period Ihown In the Oeola~IIQns and Iny
lion at 1J101 period,
1I0wlno II added 10 the LOSS PAYMENT
l.all Condition ond supersedel Iny plOYlllon
Cllnltll'Yl
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NOTle!! 01'- ACCEPT ANel:: OR OENI.-.L OF
ClAIM
1. ~lcopt InpluyhJeu In J, bulow, WI will glvI
'leU nolle.. wllhln 15 wIll1"n~ dIVI, III., w.
"colvl . 'properly IlICutvu proof 01 10... IllII
Will , 't I!!
.. Accepl.,OUI Clllll1/ ' IIJ
b, Oeny vfiJr el S"I1: or
0, Nued n1liro IIm~ 10 dllenl1lne Whtll1.r your
claim _Ill hu m.p(e~ or donled.
II wu uln110ur claim, slIch nollco will be In
Wllt/ng. .. 1'1111 sllll ony policy f PDI\IiDn,
l'1JrJJlllon oj mluslon UIOU n I belli Ofdf<the
denlll,
II we nuls mOlU lime 10 dolunnlnl wtlIll1l1l'
'leur ell!,' should be sceep'ed or dInI4.. lItl
written 1'1'111 stale Ihl rmon WIly mOI1l
IIml II re rod,
2, II we h. not oompl~led o.r Inveslloatloll, WI
will. noUfy u Igoln In WIlling. within 30 dry.
alter till II ot the Inlll.1 nollee I'~
In I.e. lib ,enu theroafter Ivery 45 'J,
writlllT n CI 1'1'111 slolll why more' ,.. I.
ntlllul1 to stJUIlD your Claim Ind WIIIIt'lfOU
may' npl us to roROh I dlelclon on' your
011110. :
3, 'rill nUlloe prateuuree In " In~ 2. .,,~' t t
apply if. ~ hl'l' . reuoneble bill., d
by epeCIfI~nrOrmltlon. 10 sUlplel tI1It an t
Inand hi UdlJlently taUllU or tonlrillllt. to 'I
Ihe lOll' b II10n or qlher 1110011 Icllvltyr WIdIr "
such CI.l'C1ll1lltBlltOl' WI 1'1'111 notlty Y.Dt · t
dIIPalltlon~" your clllm wllhln I . '
lime reu Ie to IlIew hJlI Invllt r
Ih. clllm, fIr WD receive I proplrl .
plllof 01 10
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, 04-06-96 IO:2IAY FReM eRO PHS 464 ~
TO 917176972803
F /008
~ STATE AUTO~
-'IiJ InBuranOIl Compsnlllll
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_' AN INSURED !PI/lgnph CI II 1,"ln~ld 10
111II .. WI Inlum !ho pI,.onlll or ""9onllllloolol
thl IltllChld Schldulu Of In 1/11 OICll/lllonl,
. with 'UPlct 10 Ihtl, IIlblllty Itlllng out or
WI. opa'Dllon or Uti by you U/ l1;ulpmlnl
yQu by IUch pmonl,l 0' orglnlrtllonlll,
UII 'ollowlng Idulllonll ..clu,'onel
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THIS I!NDORSl!MENT CHANGES nil! POLIC'Y, 1lLIA_"IlAO IT eMIPULl 'Y.
ADDITIONAL INSURED ENDO~EMENT
LESSOR OF LEASED EOU,PilENT
",1. InllhnCl iloal nOI IpplYI
1, To toy - C,- 'IVtIICII WII pllCI IU., thl
Iqulpmlnt I uplrtli
2, To 'bodily Ill'/" or "~Plrty dlmlgl" llillng out
01 lhI'IDII' II01/flll1 or 111. pmon or or;Mlllllon
IhOWll In I .ltIchld Schldull "./"'!hI,
Olo/ntlon.. "" .
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