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IUOINI L..COON
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PLAINTIFF (J e n{) ~ ~ dJ .
~~~'~,l!hJNtJ~S. ~
ADO. DEFT,,-
:::~~ 0 Z 'iD~1Jffm1~/ND ~
MUNICIPALITY WARD/CITY WARD __. r I OTHEA_....__....
~~~~~ (0~ 19_ ATT'Y:-..---~.-&mt5q4a1t1J
INDICATE tyPE OF SERVICE: 0 PERSONAL 0 PERSON IN CHARGE [J OEPUTIZE IJ CERT. MAIL U POSTED II OTHER U LEVY U SEIZED' STORE
ALLEGHENY COUNTY SHERIFF'S DEPARTMENT
ROOM 111 . COURTHOUSE
PITTSBURGH, PA 15219
Phone: 31515.4700
JOHN M. IIeNAMAJIIA
Chl,1 Depll~
CASE ,~Cj-4~~~3 -
~PIRES W-=J.
. SUMMONS/PRAECIPE
J COMPLAINT ONLY
[J NOTICE AND COMPLAINT II"
11 REVIVAUSCI FA '1"
U INTERROGATORIES
U EXECUTION. LEVY
[J GARNISH!!E
18_~ I, SHERIFF OF ALLEGHENY COUNTY, PA do hereby d,putlz, the Shlrlll QI
County to .XKUt8 thl. Writ and mlk, return th.rlo' .,cording to law.
MOTIt ONLY "'"-ICAILI ON Wlltl1 OP IXICUTION: N... WAlV... 0' WATCHMAN _Any deputy '~'r," levying lJptln or 111.,;h1nG Iny prop.rly und.r wilhl" writ may
.. urn. without. wltah",." In GUltodv 0' whom.,., II found In poI...llon. .fIIl' notlfylng plrtOn 0' I~ or ,neehnll"t, wIth out Mlblllty on, tl'll plrt 0' IlJCn deputy
"'AIln 'or any loll, dldl,tC:tlon or r.ITKJIlIII 0' any IUCI't property b.for,.".,ur. III, tnltto',
Now,
Seize, levy, advert'.a and ..II all Ihe per,ona' property 01 Ihe defendanl on the prlml.., located al:
MAKE
MODEL
MOTOR NUMBER
SERIAL ~UMBER
LICENSE: NUMBER
SHERIFF'S OFFICE USE ONLY
I h.rlby CI,.T"V and f11IlU"N that on lhe "'2...- day 0'
7 O'Clock, A.
.19%
I .,. "Ned In the m.nn.~ DeltCrlbild NIow:
o elrlndlnl(l} ptl'lOnaUy liNed.
o Adult 'amily m.."bt~ with wl'lOm Mid o.r,l1dlmCI) r..ldl(l). Naml . A"ltlo".""p
o Adult In chlrgt of Def.nd,nt'l r..,cllne. wno refUllcf to glVI nlm, or relatlonlhlp.
CJ Mlnagtr/Cllrk 0' pllC' 0' IodglnQi In which ".flndant(a) ,..jdl~).
o Aglnt or PII'lO" In chi.,.' of D,rlndlnt(J) orlal or Ulu,l plICI 0' bUlin"l.
o OIM'
o ProPlrty POlled
O,tendlnl nol ro"lnd blO'~':
[J c.rtlntd Mill [J AIIC,I __.
o ""gul.r Mall Why:
Moved
[J Unknown [J No "'nlMlr Cl VlClnt
Ll Inv.lop. Rtlurntd___._
rJ Olhar___.____..
[I Neither RIJCI'I~I or tnlJlJloPI returned: wnl tllplrtcl__
You lIe heleby notilled thaI on 19,_.___. levy was made In Ihe case 0'-_,..,.______.
~:lbe~:;?'~ __------'-----------.., 19____ .., al... -. o'clock,
ATTEM"T~_._ --' _,_____....1 __....... ,_,____._...1., ___._ . ....) ._....,... ...........--/---.-----_
NOV 2 319M
NDtIni SeeI
....-., Ohn,~PI.CiIo
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, .......~~'ih"rlff.. Vellliw . Sh"rl'f
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IUOINI L..COON
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ALLEGHI!NY CO~y SHERIFF'S DEPARTMENT
ROOMltl.COURTHOUSE
PITTSBURGH, PA 152111
Phone: 3110.4700
JOHN II. lleNAMAIlA
CIlIllIllllll~
.
flUINTIP' P fJ1I() U) ,"7f11J
~:'~~~ .'"[1'&, ~/CL(l
ADO, DEFT.
GARNISHEE t27. F 1i
ADDRESS G.t ~r' i~' 18 I
. MUNICttilPlITY ARDfCITY WARD
DATE: _
PHON .
INDICATI tyPE Of SERVICE: 0 PERSONAL 0 PERSON IN CHARGE 0 DEPUTIZE 0 CERT, MAIL 0 POSTED 0 OTHER 0 LEVY 0 SEIZED' STORE
Gf7Mdif'
/.
CAS ..q~1'
~PIRES I
SUMMONS! ' ~'1.. Q
COMPLAINT ONLY l J I
II NOTICE AND COMPLAINT
o REVIVAUSCI FA
o INYERROGATORIES
o EXECUTION. LEVY
[] GARNISHEE
11 OTHER
~~J-
111_
ATT'Y:
Now. 18_ I, SHERIFf OF ALLEGHENY COUNTY. PA ell> "".by d.pull.. IhI Shirl" 01
_ County III .llICU" IhI. Wrll .nd mIke return thel.o' ICcordlnllllll.w,
-
NOn. OIlI.Y "'...Ie.... ON WIIIT 0I1X1CU110l1, N,I. WAIY.II 01' WA1Q1MAN. Any dopuly eh."~ """.. upon Of .n...... .ny ~'ope'ly undor wltllln wri' mill
1.-.... withOUt. __"man, In OUl~ of wholMVlf I. rounct In poelMllon. .,.., ",~fyIng "1*" of I~ o. anect'lm'"t. with out Ilblllly on the plr1 of lUG" tdftPuty
"""" for MY IoU. dellNGtIol"I 1,)' ,.mQlIII of any IUGh pl'OpIrty befOre Il'I.rI"', 'al' th.reof,
Bel_, levy, ldY'rtl.. Ind ..II illlthl per'onll properly 0' th, d,"ndlnl on thl pr,ml", loclted It:
--
MAKE
MODEL
MOTOR NUMBER
SERIAL NUMBER
LICENSE NUMBER
--
I .......y ClJlllPY IInd III1UIIN "'.. on lhl
SHIRIFF'S OFFICI USI ONLY
I m~ C.--
. of. __I 1t~ It
/1.31;...... A.~d_ "Add'''' Iolow, Counly 01 AlIllIhlny, P.nnly"'.nl.
. MI, IIrved In ,h. mm,' DllCrlbtd below:
o DeI.nd..~", ",,,..,,,e/IV .."'.'
o lIIIun _IV _ wi'" w.... OIId llehInd.rII\Il ...Ide(ol, No... . 1I.1..lo....~
o ~ullln oh,,1 of Defend""" ....Id.ne. who refulact to INe narM or ,elltian.hip.
o M....."CI... of ~I... oIlodglne In which OIlend.nl(o) ...Idell),
~ Of ...." In eftl" of, Deftndlnt(l) otlal 011 UIl.lel pIlCl of bUll""'.
001"'"
o ""peny ,....
Daf'lnd~' (WI fDunO Dea_l: 0 M1w1d
o c.tift. M.lI 0 ........
o ".gul'" MIll WIly:
p,L7~ u
f)VLlV'
o Unlcnown 0 No An..I'
1:1 Irw,,, Allurnad
o VIIe."t
[] OIl'll'
o Ntllhar RlClllpt or ,nvllope '1IurMd; wrll ..pintd_..
You Ir. h.,lby nOllll1d Ihl' on --
SIIe h.. be.n MU!>J -' ~
JIlM. lIB' .. s.Q!1.~ /:'Jtu
AnlMPTI C) .
_. 19_. IIVY wa. made In Ihe case ot
,19___, a' __._ o'clook.
J___,____J -~--_.
'-
MAY :2 7 1995
~lotnr!ui :.:c?at
~I" ~, Q'~I"'n. NallW PuI'Jlo
~.,lttlt,lJn,)h, A1l1fllllnv CClJr1ty
~cc ,,' '-'-w'l'~)ldrP'!'j.JlJnp I". tgqft
~i_IC'O,y~'.j~~-t7uO~-o~ ow. S"erltf
!PInk Cap'! . Annrndy
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6, Defendlntl have enpaed in, and continue to enpae In, a continuous and substantial
coune of business within the Commonwealth ofPennsylvanla.
7, This action is brouaht punuant to 42 Pa,C,SA ~7S3I,.... known as a declaratory
judpnent act,
8, An actual controversy exists between the parties named herein and the declaration
sought will substantially aid in resolvins the controversy,
9, Defendants issued to Penoco, a Commercial General Liability and Asbestos SpUlial
Liability inIurIIICC po1k:y (lithe policy") which remained in effect for the period of May IS, 1990 until
March 24, 1994, The policy, identified as No, 14211, was in force at all relevant times to this action.
A copy of the policy is attached hereto and incorporated herein by reference as Exhibit" A",
10, This policy was purchased by Penoco after an extended consultation with and
recommendation by Crais Wisotzki, President of McDonough,
1 \. The Defendants were acquainted in detail with the specific nature of Penoco's asbestos
abatement business, Prior to issuance of the policy, Defendants required Penoco to complete a
Jenathy asbestos contractor spplication which supplied the Defendants with information concemill8
the qualifications of the company employees, the materials and equipment employed by the Plaintiff
in the asbestos abatement process, and previous asbestos removal contracts,
12, Penoco purchased the insurance policy for the express purpose of providins coverale for
loases incuned as a result of the removal of asbestos by chemical means,
13, On October IS, 1992. Cumberland Valley School District instituted a civil action
alainst several defendants includinl Penoco, The suit was filed in the Court of Common Pleu,
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Cumberland county, PA, cue No, 2189.1992, The suit involved work performed by Penoco which
hid COIIIIIlfII'ICe in June of 1990. A copy of the Complaint is sttIChed hereto and incorporated herein
by reference u Exhibit "8",
14, An Amended Complaint wu filed in this action November 30, 1992; a copy of the
Amended Complaint is attached hereto and incorporated herein by reference u Exhibit "C",
IS. The Complaint and Amended Complaint allese, amons other thins., neslisent
performance, breach ofcontracl and breach of warranties on Penoco's part,
16, 8y letter dated November 25, 1992, ERIC notified PenlJco that it wu denyins
coverlie and lepl representation for Penoco in it's impendins lawsuit asainst the Cumberland Valley
School District, A copy of ERIC's letter of November 25, 1992 is attached hereto and incorporated
herein by reference u Exhibit "0",
17, ERIC ceased paying defense costs on December 9, 1992,
18, Consequently, Penoco wu forced to obtain legal representation on its own to defend
the above referenced suit filed by Cumberland Valley School District,
19, If judgment is entered asainst Penoco, it is believed and therefore avened that the
amount ofsuchjudgment would be 1 loss within the coverase provided by the policy.
20. lethe Defendants contend that the insurance policy does not provide coverage for the
losses claimed herein, then the policy itself is illusory,
21, Accordins\y, pursuant to the CllCpress and implied terms of the policy, Plaintiff believes
and therefore avers that Defendant is required to defend the action on behalf of Plaintift", to bear all
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24. Penoco flu pIid all premiums due for the coverlle and otherwisc ..tilfted all condition.
IIId C\1Venant. and performed all thinas required under the insurance C\1ntrlCt,
25, Penoco flu put Defendant's on notice of the underlyi"i claims involved and has tendered
thesc claims to the Defendants for defensc,
26, AIthoush requested to do SO, Defendants have failed and refused to defend and indernnifY
Penoco apinlt the underlying claims,
27, In the event this Honorable Court deems that the claims for which Penoco seeks
insurance C\1verlle are covered under the insurance policy, Defendant's refusal tll defend and
indemniJY PenoC\1 constitutes a breach of the insurance contract,
28, As a direct and proximate result of the Defendant's beach, Penoco has paid or become
obligated to pay in excess of$14,ooo in legal fees and COlts to defend the underlyi"i claims, which
fees and costs are expected to continue to accrue for the foreseeable future,
WHEREFORE, Penoco requests this Honorable Court to enter a judgment against the
Defendants in an amount in excess ofSI4,000, exclusive of interests, costs and attorney's fees,
Respectfully submitted:
CALDWELL &. KE~
/
Dat.: 9-/~. H'
,
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l ERIC]
Environmental Risk Insurance Company
A..................",""..
COMMON POLICY CONDITIONS
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All c-r... 'Inllnellldf4 In Ihll poIlqI'''lIIbltc110 Ih. following condllionl.
A. CANCILLATlON D. INSPICTIONS AND SURVIYS
,. Tilt filii H.mtcf 'nlllrtcf thown In lilt W. h.... Ih. ,Ighl bUI "' nol oblig,"d
DecI"lllonlllWY c.ncel IIIil poIicw ~ 10:
1Nl.1int Orllll',ver"" 10 IIlldWnce wrll. ,. M.k. Inlp.Cllonl .nd IU'IItV' .1 .ny
Itn nodc. of Clncell.lion. linlf;
:a. W. ""', CIllCellhil poUCW IIw mailing 01 2. Giw WOlI "ponl on lilt condllion, w.
d.Il_..",g 10 Ih. fl"l H.mtcf Inlu"d 10M. .nd
w,,""" nolict 01 ctncellllion 111.111: J. lI_m.nd ch.ng...
.. 10 dlV'lItlOl' lilt .IItc1i.. dI.. of My InlPKtionl, IIIIWV10 ltpoftI 01 ,_
o,,"lI.lion if w. -. lor non. maM'llo"".I... only lO InlulIblloly .1Id
ply"","1 of ".m,"m. or IhI p..nliym, 10 lit Cha'g"'. W. Ck.I nol
It. JO d.WI bafor. lilt .IIltC1lvt dllt make wItty InlPltCloOnl. W. do nolll'....
01 canctlllllOl\ if w. _I'or .ny ~'1lI plrlOln' lha ..\y II' .ny 1""WlII 01
olhtr ".con. o'g.n"llion 10 p,ovlel. 10' "'II h..llh 0'
J. W. will m.i. 01 d.Ii_.. .000r nOlic,', 10 iI'flyO' wOIk." or lhe pllllhc. And w. do
Ih. linl H.med In,""d I I." m"hnll nOI w.".nl Ih.1 condlllon"
IcIdr"l known lO UI. ,. A" ..I. or he.llhl..l; 0'
4. HOlic. of c.ncell.lion will II.1t Ih. 2. Comply wich I.WI. "lIul.lioM. cod.. or
.lftC\lvt dllt 01 CMClIII.1IOl\. The pohCW lI.nd.,d'.
plr~ Will .nd on 11II1 dltt. , Thll condilion .pplitl nol only 10 UI, bul
So "Ihi' pobCW II one.lltcf. w. will Mnd .110 10 .ny '1Iing. .dv'MHY. ,.1. "tv'lll
lilt f,nl H.med Inlu,.d .ny p..m,llm or Ilmil., o'lI.nll.llon which m.U, In.
"'IIM dll.. " w. c.netl. .lhI ,.,..nd IulInet in'p""lon,. III"'YI. ,.pu," 0'
will II. p,o r'll. II Ih. I"" H.m.d ftComm.ndllionl,
tnlll"d unCll1, lilt ..",nd may III 1..1
Ihln pro '11'. Th. Clnetll.lion will b.
."tcti", _n il w. hlvt nol mad. 0'
olf...d I "fllnd.
.. If nolict it nltiltcl. proof o. mailing will
lit 1ll11ICi.nl prool 01 noliCl.
.. CHANGIS
Thi, poliCW contaiN .11 lIIt'lIr"nltn"
1II1_.n WOlI.nd III concerning lilt Inlll"
.nc. .1101""'. Th. finl H.med IMII'tcf
lhown in Ih. DotcI.rlliOllI il .utho,,,..,
'0 mlk. ch.nll" in Ih. ..,ml of Ihia
policy willi 011' conllnl. Tllil pollcy'a
1"11II Cln III .mendtcf 01 w.i.... only IIw
.ndo,..",.n, iUII.d lIy '" .nd m.d. .
pin O'lhil poIiCW.
C. IXAMINATlON OfYOUAlOOICS AND
II.COROS.
W. INlV ...min. .nd .lIdil yOlIr booka
.nd ItCOlelt .a IIIty It'." 10 IIIil poliCW II
'nv ".... ""ing 'h. poliCW "'iod .nd ....
10 &h," Y"" .1I.tw.,d.
I. PIIIMIUMS
lh. li"I N.m.d Inlllltd IlIown in Ih.
D.e1I1.li.n,:
,. " 'ttpOn,illl. for ,lit p.ym.nl of .11
p..m,"mt; .nd
2. Will lie ,". p.y.. fo, Iny Itl..rn pit.
ml..",a w. Ply.
P. TRANSfER 0' YOUR RIGHTS AND
DUll1S UNDI1I1HIS POLICY
YolIr ,Ill"" .nd dllli.. und", Ihi, poliCW
m.y nollle 'r.M..".d wllholll 0'" Will-
Itn conwnl.lc,pI in IhI c... 01 "fllh o.
.n Indlvidy.' naNd IRIlI..d.
II yOlI di.. WOlI' ,11IhU ancl cIlI'i.. will lie
Il.nI'."tcllO yOlIt 1.1 "pr_I.Ii", bill
only will" acting WIIIIin lilt HOpi 0' d..I."
II wour ..... "pr_lIw. Unlil VOlIIItV...
"p'lIIn,.li", It .ppoinl"'. .ny_ h_
ing prO"' ttmpo..,y c"'lolIy of YOll' pr"ll"
'Ry will "- Y"" 'ithl' Ind dllli.. II..,
only willi r""ClIO 1"" P'Op'R.,.
1\,00""15
IftWI,_ WIlt''''. w. "- UtMlI llliIlOllcv It" '_'M_ '""lM. .noI. if '...1"" 'v
t"'. .... 'hit "'lev ......,..U ... .... """16. ....."'.'.i''''~ 'w ..., ...tN"". """"''''1'',
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QUICK aEFERENCE
COMMERCIAL GENERAL LIABILITY COVERAGE PART
READ YOUR POLICY CAREFULLY
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TIlt CoINIIIICIII Oeneral LIIIlllly Cov.rlOt Pili In your poley conll"l 01 OIcIl,atlOne. I COVIIIOI FOlm (tither CO 00 01
Of CO 0002). ColMlOn Poley CondlllOlll and EndoIMllIInll, II appliCable. FollOwIng II a Quick 1lII'''"IIC'' Ind"x.ng olin"
ptlncIpal provlliOna contllRld In elCll Gllhe componentl maldng up th. Cov.,ag. Pa", bled in I.quunllul O,Clll'.UXCllpI 101
.11I provlllOnlln lhe Dacllllliona wlllch may not lit In .he ..quenee lhown.
DeCLARATIONS
NamacllnlUlld Ind MII_ng Addte..
Poley P.tIOd
DelCrIpIlon 01 Bullne..
Umtl ollRlUlIIlCI
Formtl and EnctoIl.tlllnII ~ng 10 th. Covllag. PI" 1I11t111 oIIISU'.
COVeRAGE 'ORM (CO GO 01 or CG 00 002)
SECTION 1- COVEAAOES
Covllage A -1IodI1y InjulY and ProPl"~ Dlmage UallIllIy
In.uring AGIIetlll'"
Excrullona ,
Coll.rage 8 - P.lIOnII and AdllerUllng InJury Ulbi.t~
INUring AGII.ma'"
EXclulionI
Cov.rage C - MICIcII PI~m."'.
IRlUring Agrllmant
E.aullona
Dele... Colli
SECTION 11- WHO IS AN INSURED
SECTION 111- LIMITS OF INSURANCE
SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS
8ankrup\Cy
Dull.. In \he Ev.'" 01 OccuR.ne., Claim 01 Sull
Legll Ac\lon Againll UI
Othll InlUlIIlC.
Premium AuclIt
Rlpt.llnll\lonl
S.patllion oI1R1U'1CII
T,anller 01 Rlg/lII 01 Recov.ry Agllnll O\htlllO Ut
WII.n W. Do Not R,new (applicable '0 CO 0002 only)
VtN, fIlghIlO CIIim and "OccuR.ne," In/olmalion l'~ 10 CO 00 02 only)
SICTION V - EXTENDED REPORTING PERIODS 18PPIC1bIt 10 CO 00 02 CIIIIy)
SECTION VI- OEflNITIONS (SECTION V In CO 00 0')
COMMON POLICY CONDITIONS (IL 00 17)
Canctllllion
C/IIngI'
Examnatlcln 01 YOUt IIookI ifill RICOfdt
IlIIIpacUOIII and Surv,~.
Pr.mIuma
T,anSf.r 01 VtNr Alg/l1I and 011... under 11ll. Poley
NUCLIAR INIRGY UAIILITV DCLUSION INDORSIMINT (11OId 'orm)
INDORSIMINTS (It Any)
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(.,~rtaN. -.- 1tMtt. 1M., 1112, I....
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CGOOOl1185'
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COMMERCIAL GENERAL LIABILITY COVERAGE FORM
VIIIou. plOvI.101ll1n 111II policy re'lrIct cov.rlO'. R.ad!h. .nllre policy c.relully 10 d.l.rmlne rlOhl'. dulloland wh.1 is nnt'
II noI covlltel. Co.1I 01 ClIIIIII. rllCluce th. IInlill 01 lhill"..,ranc.. .....
ThIouQhOullhl. polieV IhI wordl -YOU"1llCI "YOUr"1I1.r 10 Ih. Namld Inlured IhOwn In Ih. D.cl.r.llonl. The wordt "W'". "lis"
and"our" ro'" 10 Iho Company providing 1lllllnsurance.
The word "Insureer meanlllt't person or org,nil,Uon qualltvlng 'lauch undll SeCTION II - WHO IS AN INSURED.
OIh1r WOfClland pNasellhal appear In quol.,lon mark. hav. sp.Clalllllaning. Rtf., 10 SECTION V - DEFINITIONS.
SIECTlON 1- COVIERAGIES b. "Bodily Injury" or "prop.nv darNOO" 'or wlllch lhe
COVIRAG. It.. eODILY INJURY AND PROPERTY Insured II obIIgal.d 10 pay damaOOlllw roallOn Of
DAMAGE UABIL"Y lhe allU~llon 01 Mabll~V Iii a contrllcl 0' 1IQ,eo.
1. Inlurlng AgrMlll.nl. ~~ .lClulion doll no. apply 10 liubilily lor
I. W. win pav \hOSlSURII lhallhllnlurtel btcotnI.
....a... obl....1tCl1O ..." al cia........ btcIu.. of (') ASlUmtd In a cont,act 0' IOrlOllIInt IhllllsllR
.." -r'" ...... ..... "inlUrlcl cont,acl"; 01
"\)Odlly 1n1U'Y" or "PfOPlInv damage" 10 whil:tllhil
Insullnce appli.l. No OliW, obligation or lllbilllv 10 (2) Thallh.lnsured would have In thl absonce 01
paV sumll or perform acll 0' S~rvlcll II covII.d Ih, contract or agre,menl.
unless .xpllCIIIy provided tor undll DEFENSE c. "Bod,1y Injury" or "plopeny dollNge" 10' which any
COSTS - COVERAGES A AND e. Thillnsurancl Insured may bl huld lIabl~ by roason 01:
applies only 10 1lOd11V Injury" and "propenv dam-
ao." which OCCUlt du'lng Ih. pollcV PI,Iod. The (1) Causing 0' conlllbllling to Ihe Inloxlcallon 01
"llO<llly injury'or"plepeny damaoe" muSI bI caus.d any PI,son;
by an "occurr.nc.". Thl .occurr.nc." muSI lake (2) Th. lurnishlng 01 alcohOlic IIovI'''OOS 10 a Ikl'.
placl In Ihl 'COverlOe lorrilory". We wUI have Ihol son unck1r Iho looal drinking noe 0' und"r Ill.
righl and duly 10 delend any 'suil' seeking IhOse inlluonce 01 alCohOl; or
damages. Bul: (3) Any slalute. ordinance 0' regulallon relaling te......
(') Thl amount w. win paV lor damagll and d.. Ihe salt. QHI. di"ribullon 0' use 01 alCohOlIC
lensocosllcombintd is limilod as d.scrotled in blverages.
SECTION III - LIMITS OF INSURANCE: ThiS .xcluslOn applies only II you a,o Inllle business
(2) W. may InvIlUgate and stnll any claim or 01 manu'acturlng. dlsllibuling. SOllino. survinO or
.suit" al ou, dilCllliOn; and 'urnishing alCOhOlic bevo'agus.
(3) Ou"ighlanddulylOd.,.nd.ndwh.nwh.nwe d. Any obligollon o. Ihe Insured under a WCldlers
hav. u.tcf up IhI appllc:abIllimil o'lnsu,ance in compensollon. di..bill.y tMlnoltlS 0' unomptoyll\(/'"
payment of judgment.. senleme"'l or cltlln.. compensallon law 0' any slmi'a, law.
COSIS. or ae"y coiftllnallon Ihoreol undll Cover- .. "Oodily Injury" 10:
agel A or 0' medlcel..penses und., Cover.
Ilgt C. (') An l~y'l ollhe Insured :I,iling OUI o. 3nd in
It. Damages bleaul. of 1Iodily Injury'" Include dam- lilt course o. emplOyment IIw 1l111I11su,01l; 0'
ages cJalmlcl by 111'1 PIrson 0' organlZaliOn 10' (2) Th. spouse. child, parenl. IIIolhlr 01 sister of
call. loss o. services or (I.alh resulting al any lime lhal I~yee as a consequc:nco 01 I') abo_o,
Irom Ih. 1Iod11y Injury". ThiS .xcluslon appllos:
c. .p,ope"y damagl" lhal illos. 01 u.. 01 IaIlQItlII (') Wlltlher tilt Insur.d may billable as ..n om-
plOPInylhalIs no.physic:allyInjured sl1aIlbe deemlcl plOyero, in any Olller c:lpac:~y; and
10 occu, al ,Ilt lime of IhI "oCCurr.nce"lhal causlcl (2) To any ollllgallon 10 SlIall dalllllOfl with or
II. repay someone elS. whO must P.1y dOlIl\3OllS
2. IElclullon.. blcausl 01 IhI Injury.
ThIe ineurlllC' doll not.., 10: Thls Ixclu.lon doIs not apply 10 Nobility assumtd
a. "Boclily Injury" 01 "JIRltlIrlv damage" .xpet:11d 0' by IhI insuIICl undll, an "insured conl,acl",
Inf.nclld llOmlhe III/IdllOInI of lilt lnsu,teI. Thia (,. '(1) "1IodlIvInjury"cr"prepenyd:llllllOf"lVi!li"OOUI_.
'xcluslon dOli notlPlllV 10 "IlOIl1Iy Injury'" lllUnlng . of lhe lICl~l. altlgld 0' Inrealonlld lIise""rOl.
110m !hi u.. of teasonabllIOrc.10 prollct persons dIspersal. lllease 0' .scapo 01 pollUl:lntl.
01 PRlJIIftV.
CL _.,.._
C"""",,. Intiw_...... N. '.2. ,....
20112
."'"
. . however. wh.rev.r~ntv.rOCCllmnv. Ind '
by whom.v.r COU'II. llItgod 10 hlV. bo."
cou.ld.
Pollulnnl m.an. Iny sold. lquld. gll.OU. or
Ihorlllll I""anl OrCOllllmlnetll.lneludng 1ImOkt.
vlpor. 100I. 11I""1. acldt. 1"'11. Chlmlcll.
IInd w..... WII" IneWtI mal.III'1 '0 be
recycl.d. rlCOndlllonod or recl~lIIICI:
(II) AI or from preml... ~ own. I.nl or oc-
cupy;
(b) AI or lrom an~ III. or IocIIlot1 u'ld by or lor
you or OIh.,. for Ih. hllldNng. "orag..
d'POIa'. PlOCtlling or lrellment 01 wil,.;
(c) WhIch lrIallnyUme IraNpotlld.llandl.d.
llOrld. lrealld. dapollld of. or ptOC.llld
II will. by or 101 you or InY JIllson or
o/VInIJllIon 101 wllom you IIII~ be legl~
reaponelb": or
(d) AI or lrom In~ Ill. or Iocallon on which you
or any contraclotl or IUbconlraClOfI work.
ing directly or lnellrec:tly on your behalf are
IIII10lmlng olllrallonl:
(I) IIlh. pollulanll are broughl on or 10 Ih.
"11 01 lOcalion In conned Ion wilh luch
OJII'a1lont; 01
(II) Illh. olllrallonl.r.l" I.Sllo,. monitor.
cleanup. remov.. conlaln.lleal. dOlox.
lIy or neulralz. Iho pollulanll.
(2) An~ loll. COSl or ,xJII'lSO allslng OUI 01 any
governmentol dlrteUon 0' lequ.Sllhal you lesl
lor. monllor. clean up. remove. contain. Ire.I.
d"oxll~ 01 neulralz. pollu'ants.
Poll/.an.s means an~ sold. liquid. gaseous or Ih",
lIII'I,lil.nI 01 conl.mlnelll.lncludlng 11110II.. vapor.
1001. lumes. aclcIs. alk.... chemlcall and was...
Wasl, Inclucles ma'erlalS '0 bo rteycled. ',concll.
lionod or reclaimed.
g. "Oodly I,*,ry" or "property d.mage' .rislng OUI 01
Ihe OWnership. mainl.nene.. Ult 01 .ntlUslmen..o
Olhe" 01 any allcrall. 'aulO' or waltrCla'I OWned 01
_rartel by 0' IIIlI.d 01 loaned 10 any InSUlld. Use
Include. ollllallon and "IOIdng or unloaclng".
TIll. exclusion do.. nol 'JlPIy 10:
(') A wal.rera'l whl" alllore on premll.1 you own
01 "Ill;
(2) A w"lrell'l ~ou do 1101 own 11.31 I.:
(') lell th.n 28 1111 long: .nd
(b) Nl:lllltlng useello carry III/SOIll or ptOJIIrty
'01 . ChIlQll;
(3) ...rIllng In '11I10" on. 01 on II.,) wa,. n.xl 10.
prtf'l\l... you own 01 renl.lJfO\IlCltd Ih. ".ufo'ls
IlOf OWIltclIlw 01 renleel 01 lOaned to you Of Ill'
irIIufeel:
. ~
-.
,......
C~.".1lII
1'"""\
(4) ll. ..I~ llSUmtcf Unellr In~ 'naulld COnllllct"
lor Ihl OWntllhlp. malnlll".nco 01 UI' 01 11I1'
crall 01 wDlorerlll; or
(5) "8od1y Injury' or "ProJlItI~ dllNge" lrislng out
of Ih. _rlllon of .ny 01 Ill. tqulpmlnll"H
In IIIl1gr.p/l I. (2) or 1.(3) of Ih. deUnlflon of
"mobile equipment" (SOCllon V.,).
II. 'Bodly Injury" or "PIOllltI~ d.maoe' allllng out of:
(') Tllllrl/llpotlatlon 01 "mobile 'qulpment" by In
"lUlo'owned olGperll.d by or "nteel or Ioll1tld
10 In~ lnau"d: or
(2) TIl. UII 01 "rnoIlIIt equipment' In. or whll. In
prlellc. or pr'lIIrallon lor. I prOl"angGCl rae,
Ing.apeeel or dC/molllon COnttll or In Iny lIunt,
lng 1CI1v11~.
I. "IIod1y 'lI/U'Y' or "JltOJlItI~ dDmego' dul 10 WIF.
wh.,II" or not dtelar.d. or .n~ lei or COnelllion
lncIcIetll lo Wit. War Incluclel cMI Wit. InsurrectiOn.
rlbelllOn or rtlIOlullon. Thll ,xCluslon 'pplI.. only
10 labl'I~ allumed undor I controc. 0' IIglo.lIIInl.
I. 'P/OPIn~ damag.'Io:
(1) Prolllny you own. IInl 01 occup~:
(2) P/lmllOI you 1.11. glv. Iway or abandon. It Ih.
"prolllny damag.' ollsll out 01 an~ IIlItI of
lhOse premisel;
(3) ProJllny lOaned 10 YOll;
(4) Personal propetly In YOUI ca/l. CUSlody or
conlrof;
f(5)lrllallllrllCUlal pan 01 lealptOlllny on wllleh
\.. 'v yOU 0' any conlrlClOII 0' Iubconlractoll work,
Ing dlltelly 01 IneIIltelly on your bellall are
IIIrfolmlngoperallonl.lIlh. 'prope"y damag.'
ari..1 OUl 01 111011 olllralions: or
(8) Thai particular pan O'.ny p'OJIInylhal muSI be
resto,.d. Itpal,od or replaced bocauSl "youl
work' wal Incorrectly POl1olrnecl on II.
Parll9raph (2) O'lhil.xclullOn does 1101 'ppIy IIlh.
prlml... a/l ")'Our work' and w.re never occupied.
IImod 01 h.1d lor rental by you,
Pllag'Ip/l1 (3). (4). (5) and (6) 01 IllIs 'xC"'sIon do
not apply to lablll~ assumed unell, a aIcIt.IIllCll
egrllmen..
PIlIO'_ (') of Ihia .xcluslon clotlllOI IppIy 10
"propeny dlmag.' lnelucltclln Ih. ~IS'CO/Ilo
pleled operallo.ns Ilaurd',
~PrOJll"y d.meoe'to "your ~.. arising oul 01 II
C/o, .ny pan 0111.
l "Property dI"'IOt' 110 "your wo"" arising out 01 /I Of
any Ill" 01 II Ind IncluclfClln the "proctucts.CO/Ilo
IlItlld ClPfllllons IIaurd'".
TIlII '""'llon clot. not IppIy Illho c1i1nOQtcl wo'"
01 lhe .0'" out 01 wIlleh tilt dlrnege .lil.. was
JIIlfolmtd on )'OUr belllllllw a SubcontllClOI.
C'''"... -..- ....... ...,. ttN. 1114
hll'
~.... ...."....
-
-
'..
-
~-_...
-
-..,.,.... .
.-..
m. lptOjlt"Y damage. 10 .lmpalFtcI ptOp.tt(' Ot prop.
ott~ IhIIl hili nOI bltn pI'I~IIc'Il~ Injured, Iriling Oul
01:
(' 1 A .'ICI. dtlJcltne~,lnIdtqutcy Ot dlllQllOUl
condlllon In "YOUr ptOducI. 0' ~our WOtk.; or
(21 ^ d'la~ 0' 1IIlurtllw you Ot Inyo", acting on
your llth"lO perfolm I conlrlel Ot agrllm.nl
In ICCOtdane. wMIl HI ,,""'.
TJIlI.xc"llon ClOtI nol apply 10 lilt loll 01 u.. 01
OI1ltr JIlOPIlly atl'lnQ oul 0' sudden IncI accIdtnlal
. ~llcaIlnjuty 10 "YOUr plOduCl. Ot "YOur wotk" "Ier
· i111U lltI.n put 10 i1IInl,ndtd u...
~ Oamaotl elllmtcllOt an~ loll, COlt or .Xpelll'
o Incutrlel ~ yOU 0' Oln.rl 10' "" loll 01 u... wlln.
drawll. tICIIl, Inapoctlon, repall. rtpllct/lllnl. ICI.
jull/lllnl, llmoVlI1 01 dllPOlll1 01:
(11 "Your ptOGIcl":
(21 "You, WOlfe"; or
(31 .lmpII"d PlOpell(';
" Mh produCt, work, or propttt~ II withdrawn Or
reclnlel Irom Ihllllltktl or 'rom ult by an~ person
Or orglnilllllon lltIClU.. 01 I known 0' "'Ipeel.d
dtl,el, d.'lei.nc~ ,Inad.quacy 01 dano"O\ls COndl'
liOn in iI.
O. "8ocl11y injury" or "prOpt1l~ damag,' 0' any loss,
COil 0' 'xpon.. 01 Iny nature wIIlIl,ver Irlslng 0'
IlItQId 10 arlt., In whOl. Ot In pall, Olll 01 III.
lII.tarClOus propettl.s 0' IlbeslOs or asbestos-
COntaining malerla.., .xc.pt pullUanllO suell cov-
erage II i. .peciIICIlIy1TroTCSiifTlie'lri'sUiiCfUnil.;
ow ^SQtl.lo. S~"eillTt1alldily cnao1se""!.llf1lf.1l:lICd-
norUlO. --.
.
ExClusions c. lIIrough n. CIO nol apply 10 damage ~ II"
to pr.mill. "nltcllO you. ^ Itparatelimll 0' ,nluranc.
applies 10 IIIls cov.rage II descrlOed in SECTION 111-
LIMITS OF INSURANCE.
COVI!RAGI! 8. PERSONAL AND ADVERTISING INJURY
LIAIILITY
1. Inlurlng Agrllm.nl.
I. W, will poy IhOse SUlllllllallllt lMu,1d lltIcom..
IIQIIIy 0IIli01l1d to pay as umog.. lltIcause 01
"perSOnal injury" 0' .ICN'"lslng Injllry" 10 wlllcl't IIIls
Insurallct applies. No Olhl' Obllgalion or Hlbilily 10
pay sums 0' p.rform leIS 0' servlC.. II cov"'d
lIIlI... .XploCilly provlcltd lOt under DEFENSE
COSTS - COIIERAGES A AND B. W. willllav.
'hi riOllllnd Cluly 10 Cltl.nd any "su~' 1I.1e1ng lIIOS.
damages. Bul:
('I Th. amounl WI will PlY lOt damages and cleo
"Me CO'1S COII1IllnId IS lmilld U C1tscrilllcl ,n
SECTION 11I- LIMITS OF INSURANCE;
(2) W, may 1nv..llgate and IInl. any Claim 0'
"su" II ou, c11lCtlliOn; Ind
(3) 01/, ,IgIII and duly 10 del.nd 'nd wlltn WI IlIv.
CL 1IO,'t-"
I"""'
u.ed up lilt Ippltcabl. IImlf 01 inlurane.1n lilt
payment 01 jlI~menll. sulIIll,"IIIIII or ""'ona.
COilS OIlny comblnllliOn IIIClrllO' unclor COvllr.
ag'l A 0' B or m.dlclll oxpcrnllllunclll, Covu"
agee.
b. Thla Insuranc. app/IOI 10 "pOrlonallnjury" O~ __.
CIU.ed lIy an ollon..:
(' 1 Commltled In III. .covOInoo lorlilory'durinO 1110
polICy period; and
(21 AriSing oul 01 Ih. conduCl 01 YOUr busino..,
oxclucling 1CIV0rl'slng. publiSllino. IIro,ICIC;lUI.
InQ or l'lucllsling CIOn. by or lor you.
C. TIIII InIU'enc. IppIit. 10 '1CIV'lIlslng injury" only W
caused br an ol"",s. COlMllllod:
('I In 111I "COveraoo 10"llOry' ClullnQ 1110 policy
perioCl; llId
(21 In Ih. coutS, 01 Idv.ttlsino your good., prod.
UClS or so",Ic...
2. ExelullOnl.
This Insurane. does nol .ppl~ 10:
a. 'Persona' Injury' or 'advertising injury';
(') Arising OUI 01 oral Or wrillen publlealion 01
mallrial. II CIOnu b~ 0' (II 1110 dill/Cllon 0' IIIe
,nsurod willi kllOwlllC!O' 01 11$ la/sily;
(2) Arl.lng OUI 01 o,al or w,illon pullllCalion 01
malttial wllos. li'SI pybliC:Jlion loole pI:JCl/ bl/.
lOll 1M bllo'nnino 01 Iho poliCy pe'lOd;
(3) Arising 0111 01 '"0 will'ul viol:ilion 01 :J potl\ilj'-'
SlalulO or ordinllncu commillod by 0' willi 11\0)
consolll 01 III. Insu'Ud; or
(4) Fo,wlllcll III. insured has assumed lIabilily In a
ConllllC. or llglloll1llnl. l"l1is uxclusion dollS 1101
apply 10 11101111)' lor damagus III'" Ih. insured
would IIIvo in lhllll~cnce ollho com'Jl:1 0'
agll.l1lIInl.
b. . Adverlising Injury' arising oul 01:
(') Broacll 01 COnl'lICl. Olhu, 1II.,n misapprop'~liOn
01 lldvOrl'lino iClollS unclClr an implied COnt'acl;
(2) Till lailure 01 goods. prOClUCII 0' .."'leas to
confo,m w~II adv.rliSed CllIlll~y 0' p'rlo,m.
anc.;
(3) TII. wrong desc'lptlon 01 lilt price 01 (IClodS.
products 0' seNlCes: 0'
(4) An on.n.. commlll.d by In Insured whOSe
1IuIln... is lClv.rlIS.ng. lltO.1dC;lsling. jll.Iblisl'\o
'ng 0' lel.casling.
COVERAGE C. MEDICAL PAYMENTS
1. 'nsu,lng AgrHm.nl.
a. W. wi. pay mtdicll .xpenses as clesc'ibed llcllw
,., "tIocl11y injury' Cau~ed lIy an lICcicfolll: ......
(') On pr.mls.. )'011 own o".nt;
(2) On way. tIIxl 10 pr.mise, vou own Ot rfnl: Ot
CIfVIlO/lI. ......_.,..., Int.. 11117, I'"
40117
e. Pro.judgment lnterSll Iwardod aaaln.I lho In.urlld on
Ihal pari 01 I'" judQmonl wo pay. II wo makl In oller 10
pay Ih. .ppIlcallllllml\ ollnlUranc., w. wUI noI pay any
pre,judgmentlnlerSlI bll.1d on IIllII period 01 limo .llor
I'" on.r.
7. AI 'nI.rell on the lun .mounl 01 any judgmonl llllll
ICOl\IlI IlI.r Inlry 011110 JudGm.nt IncI boloro w. havo
paid. 011. rod 10 pay. or dlpo.lled In courl Iho pari 01 lhe
juclamentlhal I. wilhln lhe applICable Umil 01 InlUratlCO.
Our duly 10 p,y 1""1 co.t. oncl. whon our Ilmll olln.uranc.
II U'ed up by damaoo., cIt'elll' COIl' or IIolh comblnad.
SECTION 11- WHO IS AN INSURED
1. n you .re dlllQlllted In lhe Declllrallons II:
I. An Indlvldull, you anel your .pouso ar. InSured..
but only wllh ro.pecl 10 1110 concluel 01 a bu.ln.1I 01
which )'OU Ire tno .010 owner.
b. A parlnershlp or jolnl v.nluro, you are an insurld.
You, rnemtltrs. )'our plrlners. .ncllh.1r SPOU'I.
.re lli'o InsuredS, bul only wllh respect 10 1110
conctucl 01 )'our buslllllss.
C. An oraanlzatlon other Ihlln a parlnershlp or joint
v.nlure. you aro.n Insurod. Your .x.culillo olllcers
and d,rtclors a'l Insurods, bul onl)' wllh respecllO
Ih.lr dutlos as your olllcors or dlreclors. Your stOCk.
hOld.rs are also Insureds, bul only wllh rcspecllO
Ihcir Ilabllll)' IS slockhOlders.
2. Each 01 I"llo"owlno Is also an Insured:
I. Yourl'~lo)'..s. Ollltrlhan)lOU' .xocullve ollletrs.
bul only lor aclS wllhln the scope 01 Ihll.r 'mplOlf'
llItnl by)lOU. How.ver, non. 01 Ihl.1 .~y...1I
an in.urld lor:
(') "Bodily Injury" or "ptr.onal Injury" 10 yOU 0'10 .
Co..mplOy.. whlll In lilt cou,.. 01 hll or nor
emplo)'m.nt; or
(2) "Bodily Injury" 0' "ptrsonallnjury" arlslno out of
hil 0' nor providlnQ or lllIlno 10 provlcle protll'
.Ional hlaMh care "",Ices; or
(3) "Properly dameo'" 10 properly owllld 01 OCCU'
pltd by or renlld 0' loaned 10 Ihal ImploylO.
11ft of YOU' olher Imployees. or Iny 01 rout
parlnerso, llItmtltr. (If )IOU III lparlnershipOl
joint vlntu'I).
b. Any person (Ollltr lhan YOU' Imploy.e). 0' any
oroanlz.Uon while ICIIng al )'OU' r.I' ..111. man.
.r.
c. Arrt person 01 OtgaIlIzallon havlno prOptr le"1lO-
,ary CUllOdy el )IOU' PRlpctrl)' W you diO. but onllt:
(') WI'" retptClllO ..blIlly .,1I1nO out of \III /N1n-
lenanel or u.. 01 lhal prOptrl)'; .nd
(2) UnliI)'OU' leaal repre.entallv' has tlten IP'
polnlld.
d. You, ItQaI ,eprl..ntallve " you die. but ontt willi
,,,pee. 10 dutlel .s such. Thll. repreSfnlaUv' wit
hair. an )'OUt rlQhl'lncI dulle' uncle' IIlls Cow,.
Pari.
Co,yrlglll, "'.ur_ ...... ... 1111. lto4
~
(3) Bee.u.. 01 )'OUr OptraUOM;
provld.d lhal:
(') Theoccldlnl Ilk.. pllC.ln lhe "OOver'OII.r.
rII01Y"onct durlno 1110 polle)' period:
(2) The .xpen... .rolncu,,1d .nd repot11d 10 UI
wllhln 011I )"" 011110 dati 01 Ihe occJdenl: .nd
(3) The Inju,lId person .ullmll. 10 .xamln'llon, .1
our expen.., by ph)'llelalll 01 ou, ChoICe u
oll.n a. w. 'lIsonabl)' rfCIUlro.
b. W. wHI make I"'.. pa)'llItnt. 'OO.IdI... of taull.
Th... .,.)'mtlnll will noIexclOd the Ippllcabllllmil
oIlnsur.ne.. W. wll pa)' "asonable.xpen...'or:
(') FI,.,.id.I lhe Ume of anlCCldont;
(2) Nocllsary medICal. .u'alcal. Hay anel d.nlal
..",Ie.., includlnQ pro.I"'IIo cIIvlco.; .nd
(3) Hee....ry .mbulanee, ho.pHII. proll..lonal
nureinO,'nd lulltral .."'lell.
I. I!xcIUllon..
WI will no. pa)' ,xpens.. lor "Ilodlly Injury":
a. To .ny Insured.
b. TO. po,son hl,1d 10 do wol1l 10' or on behall 01 any
Insu,od or a lonanl 01 .n)' Insured.
c. To . porsonInjurldon Ih41p'rI olpremiso.)'ouown
or "nt 1h4111lO person normally occupies.
"" d. TO I porson. whtllltr 0' nOl .n .mplo)'ee 01 any
InlurlCl. W beneli.. lor the "Ilodll)' Injury" art pa)'able
or mull tit PRlvldtd uncler. wol1lere compensalion
or dl.abll.)' belli'.' law or. .lmIla, law.
.. To a porson Inlured while laklno parlin alhlellc..
I. tneWldwllhln the "prOduCl.-complelld operallonl
h.xarel".
a. Exc:tudld uncllr Coverage A.
h. Cu,'o w.r. whol"" or not dtcll,lCI. 0' an)' ael or
condlllon lrIcidenl '0 Wit. War includts civil war.
inlU"eellon, rttlt"lon 01 ""...Ion.
DlFlNII! COSTI - COVERAGES A AND I
WI wII pay a. pari o. and not in addlIlon '0 ou, ImI. of
lnIur.nco wIIh "aptCI to .ny cl.im 0' "lull" WI cltlend:
1. Allxpenae. wllncut.
a. Up 10 1250 lor COli 01 ban bondl .....,Irld becaull o.
accidelll. or ".flle law vlol.lIOna .rlllng out 01 lhe u..
ot an)' IleNeIe 10 which lilt Bodily Injury llabllily Cover.
. app/III. W. do no. na-e 10 lurnlsh I"'Sf bondI.
I. Th' CO" 01 IIonell 10 "..... .lIlChmellll, "'" only 10'
bond omounl. w.Nn .he 'PfIIIcIll" fImI\ of inluranc..
W. do llO\ have 10 Iurnilllllll" 1IOnd..
... AI ,..aonaIIIXpenHllncurrld by I'" IIlIUfId II ou,
"'" re~"'o ...111 UI in the ""'"llQallon 01 d"en.. oI.he
cltlm 01 "sull", IncUl'"O ICIUaIIDII 01 .a'ninQI uP 10
"00. cia, because of U'III Oil I,om wotfl.
I. AI _. 'axld lOalnS.1I11 inIU,1d in the "lUll".
-
CI.1GDIUIflt
1'""'\
hlU
"
. S; Ww; r.eptCt 10 'mobIle equlpm'1I1" rtIJIII.rld In your
name uncler lIlY molOl v.llit:l. regilllaliOn law. any
pellOlllt an Inlll/tdwhllt dllvlng IUch .qulpmtru along
a public highway whh your pelmllltlon.Any ollltr PI'son
Of OIganlzlllon rttpOlllllle 101 \he COncIuCI 01 Mh
pellOllll allO an inlultel.llul Only wllh "lPtcllO labllily
lilting 0Ul 01 lilt Optrlllon ollhe .qulpment. ancl only
~ no olher InIUIIIlCfI 01 any klncI II Iva,lIlllt 10 lhal
pellOll or O",anilalion lor Ihll Uabillly. Howh.r. no
pellOll 01 ClIOanilalion II an In'UlteI wilh /t1P1C11O:
a. ~ Injuty" 10 a co..mploy.. 01 lilt pelson
clIlvlng lhe equipment; or
b. 'PIOpt"Y damage' to propeny OWnlcl by. /tllleel to.
In llIe Chi",. 01 ot occupltcl by you 01 lilt 'mpIOyer
01 any petIOlI whO It an InlUlVd undtt lhII provi.
lion.
4. Ant orolnlzlllon you ~ acqul/t 0I1onn. OI/ltt Ihln
a pI/IntflllIp Of joInl v.nlut.. Illd OWt YwIIlch you
mainlaln OWlltlllllp Ot majolily Intlllll. wUI 1M dttmecl
10 lit a NatIltCl IllIUttel ~ lIl4Irt I, no OI/ltr I,milar
InIurlllCe avallabl. 10 llIal olganiza.lon. How.VII:
a. Cov.rage undtt IhI' provlllon II anolcltcl only unlll
lilt 901h day a"" you acqulr. 01 101m lilt OIganiza-
lIOn or. lho .ncI ollhl polley pe,iod wlllcnGvII II
.arlIer:
b. COVII. II clot, not apply 10 "bodily Injury' or
"prOptny damage' 11III OC:CUlteel lItfo/t yOll ac-
qul/"d or lOlmeClllIt olganiZation; and
C. Covalag. B clots not apply 10 "ptlsonallnjury" or
'ldvaniling Injury' ariling oul 01 an oll.n.. comm,l'
ItcllItlo,. you acquired or lOlmtcllhl olganiZaliOn.
No petIOlI Of organlzllion II an NUleel wilh re~ClIO 1M
conducl 01 tny currtlll ot past panntrship 01 loll1l _'Illurt
11lal1l1lOl .hown II a Namtd InlUrtcl in lilt DlCtarallonl.
SECTION 111- LIMITS Of INSURANCE
1. Ttlt UmilI 01 Inluranc. lnown In 111m 3 01 lilt Oec:Ia,a.
lionI Illd In. rultl lItlOw lill IhI moll w. will pay
rlOlftlltll 01 IIle numlltr 01:
a. IllIUttel.;
b. Claltnlllllclt or "SUI.' btoughl; Of
c. P.tIOtllororoanlzllloflllNklngclalllllOlbtlnglng
"SUI,'.
I. Ttlt OIneral Aoortgal. L1mi1lt lilt moll w. will pay 10'
IhI 11I"1 of:
a. MtcIlcaJ 'Ipan... Unclll Cavil. C:
b. Damaotl and cttl.nu COIlS comblnIcI UNIt, Cav,
"11II" andCav.,. 8. 'IC.pI damagellltCautt
of l<tjwry ancI damaae Inclwclllcf In IAt 'JItOdlICII'
~IICI OptratiOnt hazard"; and
C. Damagel and cttltllte cotl.. comlllned, fo, an
"tIocll1W ~ry" and all 'ptOpt1ly damagt' in ,.spect
01 covet. IIfOlcltct uncIer lilt AstleslOt Special
LlIlIiIlIy IinclorHlllIllllIlllCllto 110..10.
elL .'1..
r-.
'3. Tno ProduClI.Compltled Optrallonl AgorCOn.. LImil
II Iha mo" wa wiU pay undtr COVI/I ago ^ lor d:un;lQotl
ancl del.n.. co... combinod lIocllll... 01 Ir~u'y alld
datnllll.InC:\uCllldln lilt "Jlloducts.complulodoplllolllolll
nazatd".
4. Sub/.ClIO 2. above.lh. PlllOnalond MvOrlll1nQ Injury_
Llml. II lilt mo,' w. Win pay UnclOl C~orollll 0 lOr IllI/
lum 01 011 domaCIII and dulunlo CO$IS COlntlinlld blI'
caUIG 01 all'parsonal injury' nnclOII"OCIvllrlilino injIJry'
IUllalntcllly any on. polson or OlOllnizlIlion.
5. SuD/eClIO 2. or 3. abOve. whlclltvlIlIpplilll. lilt Each
Oc;curr.nc, Umil II lilt moll we w~1 plIy lor 11111 tum 01'
a. Oamaoa. undtr Covllag. ^: and
b. Mlcllcal 'lpan"l uncler Cov,rag. C
lItCause 01 an "tIo(;lly Injury" ancl "properly dalllllgl'
IIISinQ OUI 01 any 011I "OCcurr.nce': nnd
C. Oamagal Illd elIl.",e co.... comblntcl. lOr II
"Ilodlly Injury" ancl all "prOpelly dlltnllg.' covor...
pulsuanllO lilt ASllUslOI SpoCia, Li.:Iblllly EnclolS"
melll allaCneel he'1l10.
a. SubjeClIO 5. abOv.. IhI Fit. Damaoe Llml. il lilt moSI
w. will pay unci., Covtlall' II 10' damage. ancl dlll.n..
COlli comllinedllllc:ause Ol'prOpOlly ""mao.'10 premo
,.., renl.dlO you a,lslng oul 01 anyone lirll.
7. 5ubj.ClIO 5, abOv.. 1118 M.dlcal Expenlo Llmil illllt
moll w. will pay uncl., Covtlag. C lor all modlcal
expenses IlUcaus. 01 'bodily injury' suslainud by any
Ont pelSon.
Tn. Umhs ollhll Cov..rage Pan apply separately 10 Asbts. """
101 AIla"menl Acliv~los which begin du,ing Ill. policy
period al a Proj.Cl 54. doserilll/d "I a 5pecilic P,oj.Cl
Enclotl.melll alulclltd h.IOIO. Slallill!)wiln 1110 Ileglnningol
lilt polley pe'iod lnown In lilt Decla,allons. IInleSS lilt
policy Plfiocl il OllOncllcl alltl Issuance lor an adclilional
pe'lod. In lhalcaSl.11It lIdCIiliOnal peliod will be dounlO" pall
01 1M policy period in which lilt plojocl began 10' pu'pases
01 delerminlng lilt LimitS Olln.uranu
SECTION IV - COMMERCIAL CENERAL LIABILITY
CONDITIONS
1. Bankruplcy.
Bankruptcy ot IIltolv.ncy 01 tilt insured or ollllt In-
SUllO" ......wIlI nol IelieV' us 01 our OIlliOnlio'" undtt
Ihi. Cov.rag. Pan.
2. Dull.. In Tilt Ev.nl Of Oceurllnc.. CI.lm Or Sull.
.. You mull I"IO~ Inalw. a.. nol~i'ClpromptIyOlan
'OCCUlt.nc,' when may resuI In a CIOlil1l, Nolie.
IhOuld 1nC~:
111 How. wlltn .ncl wn... lilt 'occurr.nc,'.
place: ancl
(2) Th. nama~ and addrelses 01 any InjuI... per.
SOIll ai1d willltsses,
b. "a clllm I. illicit or "IU~' II brOlIORl llQ.insl Iny -
inII.!ItcI. you mus. s.. 10 Illhal w. ,''cow,, pr~
w'~lIn noliC. olin. cl;llm 01 'su~'.
CO"rItIN. 1nI..._ Sofo... 1nG,. III'. ,....
hll'
-.,
, .
C, You oncIan~ olher Involvtel In.urtel mu..:
(1) IrnmodIalol~ IInd u. copltl 01 Iny d.mand.;
nollCtl, .urnmon... 0' leOlIl Pipe,. rectlvtel
In connec:llon wllh lilt claim Ot 'sull';
(2) Aulllorize u.lo obtlln rlCOrd. and olh" Inlor,
mallon;
(3) Cooperal. wllh u. In Ih. Invtlllglllon, IItllt-
menl Ot dol on.. o'lh. clllm Ot '.ull'; IIld
(4) A..,., u.. upon our requtl', In Ih. an'ore.llltne
01 any righl agalnsl any pellOn or organlzallon
which may be labl. 10 Ill. Insured boclUII 01
Injury Ot dlmagt 10 which IhI. lnauranc. ma~
allO apply.
d. No lnaurtdt wi', ,xc'plt' Ih.lro.vn CO", \/Olunearily
maIlo a payllltnl, llSUIllt Iny oblQlllon, or Incur
any .xpens., olher Ihan lor IIr.. Ild, wllhoul our
CO/IItnt.
I. Ltga' Acllon Again" U..
No perlOn or o~anlzadon hll I rlghl und" Ihl. Cover.
age Pill:
a. To join u. a. a pa"~ or olh.rwlll bring u. Inlo a
.IUII. a.lUng 10' da""gtl I,om an Insured; Ot
b. To suo u' on .hl. Co_trag. PI" units' aN 01 lis
I.RIlI hav. bttn lully COlT1lII.d wllh,
^ pellOn Ot organlzallon may SUI u. 10 rtcO\ler on an
IlIr..d IInl.men! or on I linaljudgm.nt agalnSl In
Inwred obtained an" an aClual trial; bul w. will nol be
labIo lor damagos Ihal are nol Plyablo under Ih.ltnns
01 Ihls Coverag. Part 0' Ihal art In exctss 01 Ih.
I!lPllCabIo lmil 01 Insuranc.. An Igreed ..nl,m.nl
me_ a ..nlement and relea.. 01 labilty slgn.d by us,
Ill. Insured and Ih. clalmanl or the clalmanl's logal
roprts.nlallvo.
4. OIher In.urane..
II OIh" vald and collecllble Insuranc.l. available to the
Insured lor a Ios. w. cover under Coverages ^ 0' B 01
INs Cov". Part. OIIr obllgalions art lmiled as 101-
Iowt:
a. Primary Insuranc.
TIll. lnauranc. Is primary 'XCLP' wh.n b. below
applI".1I Ihl'lnsuranc.I, primary, ou, obllgalions
8" noIallected unl.ss any ollh. Olher Insurance Is
1110 primary. Th.n. we will sharf wllh III tho'll olh"
ilIllltal1C4l by Ih. melhclcl dlScr,btd In c. below.
b. Exc.ss Insurance
This InsurallC. Is ..cess over any 01 Ih. olher
Insurane.. wh.lher prllllllry. ..c.... contlng.nt 01
on any othOl balls:
(') Thill' Fir., ext.nded Coverag., Build"', Risk.
InSlallalion Risk 0' similar cov.'ago lor ")'0111
work.;
(2) Thall, Fire Insuranc. lor pr.mises renltel 10
you; 0'
-.
........
-
CL IOOllt'l5l
1""\
(3) II 'h. loss IrllI' oul 01 Iho malnlc,"anc. orUl.
01 alrc,.". .aulo.'or walorctaU10 Iho .xle", 110I
,ubj'C11O Excklslon g. 01 Coverlgo A (StcIOn
I).
Wh.n IhI.lnauranco I. ..C.... we wi' hal/O nowly
under Cover. ^ 01 B 10 dOI'nd any clIIm or 'IU~'
Ihal an~ OIher inaultr ho. a ~Iy 10 de,.nd. II no
olher In.uror delond., wo will undollak. 10 do ...
bul we win be .nlllled 10 Ih.lnsured'a rlghl' agaInal
an 111011 Olh.r Insult,.. Wh.n IhI. InIurance II
OIC... 0\1" olh.r Inlurane., w. wlU pay only ou,
.hart 01 Ih. lmounl ollho 10.., II any, thll.xCttel.
Ih. sum 01:
(1) Th.lOIa' amount tlltllllUcll o'h" IneurlllCt
would pay for Ih. loll In lilt abl.nc. III IN.
lnaurance; Ind
(2) Th. lOll' of an dtduc11b1t IIld ....J1II\nd
amount. under .. Ihal OIl1tl Insuranc..
W. win Ihart Ih. remaining 101'. II any. willi anw
other InlUranc. llIal ,. nol d.lCrIbtd In thla Exctll
Insuranc. provl.lon and WI' not boughl .peclflcally
10 apply In ale.., ollh. Limits 01 Insuranc. shown
In Ih. Dtclarallons ollhl. COl/Orage Pa".
c. Melhod 01 Shlrlng
II aU oIlh. olher IllIuranc. permilS COnlrlbullon IIw
equaISh.,... w. willlollow Ihl. malhod allo. Under
Ih,s approach tach insur" conlribulll tQ.Ial
amounlS until It has paid ilS appUClIblo lmil 01
In.urance 0' none 01 Ill. lOSS remains, whlchl'l"
comll Iiral.
If any ollh. olher Insurance doll no. permit colllri-
butlon IIw equal sha.... w. w,U cont'ibult by 1,,*..
Under lhl, rnolhod. .ach Insuref' share is based
on the ratio 01 ill applicable lmit 01 Insu,anc. 10 lilt
10lal appkabl. llmilS ollnsuranc. 01 a_Insurers. .
5. PremIum Audit,
a. W. win COmpul' an pramlums lor lhl, Cov.rag.
Part In ICCOrdance wilh our rulll and ralt'.
b. Premium Shown In this Coverage Part as advance
premium Is a deposil pr.mium only. Al Ih. CloSt 01
each auclII period wo will comput. lilt .amed....
mium to, .IIal period. Audit pr.miums ... clIt and
payabl. on nollC. 10 the lirsl Nlmod Insured. II IIlO
sumo' I". acIvanc'lnd ludll pr'mlums pllld loti'"
policy I..m 110""" than III. .arned pr.mlum. WI
will rolum the .xc... 10 Ill. IIrs\ Natntd Insurld.
c. Th. Ilrsl Named Insured must kttp record' 01 tilt
InfOtlnallon w. n.ed fo, pr'mlum compulatlon.1tld
sond us copies 1\ luch time, as w. may rtqUtSI.
eo "tpresenlallon..
By ace.pllng this poley, you 10''':
a. Th. slalament' In Ih. Decla,allona a', accurat.
and compltlt;
b. TIIo.. .Ial.manes art based upon repr...ntallOnl
you mad. 10 us; and
Co,vrlghl, "'.ur_ s.m., hi . '''', .-.
""'
I
~
c. Wt IlIvt luuecllllll policy III rtUIIICI upon your
rtpr.l.ntallolll.
7. IepIrallon Ollnlurecla.
Except wllh rlapect 10 "" Umll. oIlnaurlllCl, Ind any
rIQIllI 01 cluIItl 1I*I1Ica~ aulQneclln Ihll Cov.ragll
PlIrt 10 lilt liral Namad In.ured, In.. insurancl eppI,es:
a. AI II ,ach Namecllnsur'd w,ro Iht onl~ Namad
InaurlCl: and
b. S,parattly 10 'ICIIlnaurecl Igalllll whom claim II
macII 01 "lUll" II blOugnl.
I, Tranlllr 01 fllghtl Of Recovtry Against 01"''' To
U..
" Iht IlIIUred "" IIghll 10 recovlr al 01 pitt 01 In~
pa~tnllll we hlV' mIde under InI, Cover. Pan.
lno.. IiOhll .,tllWII,,1d 10 us. Tnllnaurld mus. do
nolhing 11I,r 10.. 10 ImpalI Inlm. ^' OUI requlsl, Inl
Insur'd will btlng "aull" or Ifonster thos. rignlS 10 us and
IItlp u. ."'ore. III.m.
IICTION V - DI'IHITIONS
,. "Aclvll1lling Injury" means Injury allslng OUI 01 one or
mort 01 Inl 10llowlng olllnleS:
I. Oral 01 wllllln pubiclllon 01 malll1l1l11al .landers
0' ~IlIIS I pellon 0' organlzalion 01 dispalage. a
pelson" or o,ganllllion'S goods. ptoduCIS 01 serv.
,CII:
b. Oral 01 wllllln pubicallon 01 malellaltllal vlolales a
person'. rignl 01 privacy;
c. Mi.approprlaUon 01 advlrtlslng Ideas 01 sl)'le 01
CIOing Duslne..; 01
d. 1"'"/101me/'ll 01 copyriglll. Ii". 01 slogan.
2. "AuIO" mean. I land mellor v.lllcll.lfaller or IImHIIII"
d.stg"'" lor Irav.1 on publIC roaels. including any al.
lacll4ld macninory 01 equipment. Bul "aulo" dOts nol
inc"Cle "mobile tqlllpmenl".
3. "Boctlly Injuty" mew bOclIly Injury. sickness or dllas.
au.Iii"'" by I person. including doaln resuling 110m
any oIln..1 II any lime.
4. "CoverlQlllttllory" mellll:
.. TIle Uniled SlallS 01 """/tal Oncludng 1111111110-
rIe. and possesslolll). PutIlO Rico and Canada;
b. InI.malional wallra 01 allSpacl. provldlClln.lnjury
or c111NlQ' CIOes nol OCCUI in In. cour.. 01 Iravel 01
I'lnapoIIallon 10 0' 'rom any plac. nol Includld In I.
1IlOv.;Ol
c. AI plttl 011111 WOIllI II:
('I TIl. injury 01 clIINge III"s out 01:
(I) 000dI or ptOduCII macII 0I101d by you In
"" "'tIIOIy c1tSCllOlClln 1.1110_1: 01
(II) ",.IClMli.. 01 a PtIlOll wnosellOmlllln
lIIIl.nIIOIV CIISCI\Ilt4 in I. IIIOv'. 11II1 is
Iwl, 'or II/IOt1Iinl1 on rowt IlIISlIlIII; and
(2) 1M Nl,IId'. llI;lo~>> ~I ~ AI
^
d'lllrnlned In I "sull" on lhl morlll, In ""
lerrltory c1tscrlbuCl In Q, abOvo 01 In "..llIumalll
WI DOree 10.
5. "Impaired property" meansllnQIblo property, 0111., IIIan
"Your ptodUCI. or "VOur work". \lUll CUIlIIO' bO us~ 01 i,
kill USllul Iltcau..: "'.
a. 1IIIIl:Orpotllla "YOUI product" or "Your work" IIIal is
known or Ulougnl 10 b. dulcClivo, ClIlIlClllnl. Irladcl.
quail or ClangorouS: 01
b. You "'vellilod 10 luNIU 1111 lorm. 0' II conlract or
agro.manl;
If suell proptln~ can blrellorod 10 uso by:
I. TII. repall. rtplleemenl. adjuSlmcnl 01 re",oval 01
"Your proGiCl" 01 "YOUI work"; or
b. YOUI lulUlng 1111 181"" 01 Ino conlraCI or agr...
melll.
e. "Inaurtd conltlCf" meana:
a. ^ I.... 01 prlml..S;
b. ^ sldelrlCk agr..mont;
C. An .allmenl 01 lIc.n.. agreement in cOMICllon
willi vlllicle 0' peelc.trian p'ivalO rall'oaCl crossinos
III g,aeIl:
d. Any Oln.r ..SllMnl agreomonl, OXCllpl in conncc:.
lion Wllh conslruCliOn or dll,nobl.Ofl ope' al;ons on 0'
wilnin 50 lOll 01 a rail'oad;
.. An ind.mnillclllion 01 II municlpably as ,.qui'lId by
Oldinanc.. IXC.pl in connechon wlln wo,k for __
munic:ipll~ly;
I. An llevllor mainllnanc. ao,oomonl; or
g. Tllal pan of Iny olner conllacl 0' 1I910emanl PI'-
lainlng 10 your busln... Unclll' whic:h yOll ".sume
In. 1011 liablMly 01 anolll., 10 p;ly dllmaollS lIoJcault
01 "\lodI1y Injury" 01 "Il'GpIll\y dall\OlOO" 10 a llIllCl
pGllOIIOI OIganlJalion. il Ihe conllaCI or aor.omenl
Is rnacIo pilot 10 In. "Iloclily inju'Y" or "proptlny
damagot". TOll b3bl.ly means a .abilily Ihal _let
be Imposed by law In III. absonce 01 any conl'",I or
agre.mant.
Art "lnsurlCl conIracl" doIs nol incluclo Inal p;ln of any
con\lac\ OIagr..men!:
a. TnlllndlmnilllS In IICNIICI, eoo,.,.er 01 tuMyOf
101 inillry or damage arising oul 01:
(') Prtpallng. approving 01 laiHno 10 proparl Of
approve maps. d,awlnos, Opinions, 'IJporIs.
surv.ys. cnllnoe 0'111111, dIISIOns or $pIIC1,,,,a.
liOlII; 01
(2) Gilling cI'lCliOllI or 11II1l...::l.:l:'li . ....~.;
0-' I,*" , J..... .'Ie "".-..n ......... .
il\jlIlY 01 CYlI\IOt;
\I. UftdtlwflidllflliMul..jUtlaollCl.~.'
.1InrtyOl. I.' ....s '.-lW lOt ~ II ....-
IllSinO OUI Of 111I j"""..... rullOll/ltlO II I.WIIg ..
,tJAW praNaioNI"~_'.1tlCWng IIIOU .....
..
::..-~
. "1 ~ - -- ..... ... ~ .-..
''''1
-...--. ,P-..'.........-- . ~
~ ~ . .r_.....~ ... ..._~..,.... .....__. - .. ........,. ._. .....
,
"
-.
In a. abovI and supeMaory,lnspedlon or.noln.or. '
'''9 'OMe"; or ' ,
C, Thll Indernnill.. Iny peraon or organlzauon lor
damage by llrllo prlml.O, rent.d or Io.ned 10 you.
'\.olldlno or unlolldlno" mean. "" handMng 01 property:
a. Allor 1111 movecl 110m tho ploc. whero ills acceplod
lor movement InlO or onlo an alrc,all, walorcrall or
-auto";
b. WhIle II I. In or on an llreran, wallrerall or "auIO"; or
c. While 1111 being moved Irom an alrerall. wal.rcran
or "aulO" 10 the ploeo where ills linally deMvered;
bul "Iolldlng or unlolldlng" do.. nollnclucle Ih. move,
me", 01 plOporty by mean. 01 . mochanlcal clevlee.
olher Ihan a hand lruck. Ihal Is nol anaChed 10 Ih.
a!rerall. walercrall or "auto".
I. "Mobile equlpmOnl" means any 01 lh. lollowlng Iype. 01
land vthlcl... Including any anached machln.ry or
equipment:
a. Bulldo"rs, larm machln.ry, lorkln. and olher
_ohlcles doSlgned lor use principally oil public lOads;
b. V.hlcles mainlaintd lor uso solely on or n.xt to
pr.mlst. you own or renl;
c. V.hlcle. Ihal t,av.1 on craw'" treads;
d. V.hlcles, whtfher ..It-propelled or nor, malnlalnld
pnma'lly 10 P'ovld. mobiHty 10 pennanenlly mount.d:
(') Power cranes. shovel.. loaders, diggers or
drills: or
(2) Road construction or reSUrfacing equipment
IUCh as g,ad.rs. scrape" or IOlIer.:
I. Vehicles nol d.scribed In I., b.. c. or d. above that
III nolstll-prOptIItd Ind are molnlalntd primarily
to prOvide mobilty 10 perlNnenlly allach.d equip.
menl 01 the lollowlng types:
(1) Alr compr..sor.. PIIl111' and g.n.rllor.. In-
cluding .prlylng. w.ldlng, bill/ding elfln/ng.
geophyIlCII.xplOrallon. Igh\/ng and w.II lilY'
Icing equipment; or
(2) Cherry p1ck.rs .net 11m'" del/Ic:.. used 10
rll.. or lower WOrk",:
I. V.hIcIeS nol deacrlbed In a.. b,. e. or d. ItIove
malnlilllltd primarily lor purpol.S OIher Ihln th.
ttlMpollatlon 01 pe'lOnt 0' c;argo.
How._er, ItIt-proPtIltcl_.h1Chls with lilt following
types 01 PtrlNnenuy .Uaclltd equipment are not
"mobile equlpmenl"1lul will be considered "aulos":
(1) Equlpmenl cltSlgnto primarily lOf:
(') Snow removal:
(b) AoacI rnalnl.nanc.,1IuI nol coMtl\lCllon or
IISurflClng;
(C) 8Ir.., e"anll'lQ:
(2) Ch.,ry plek'rs anet slm;,.rdt'llelS mountfdon
-
.
.
....
C\ IOOI'loMt
r-
aulomobiloor lruck chassl. andulecllo rill.. Of
Iowor wOrk.II; and
(3) Alr compr....rs. IlUlI1I' and ooneralors. I~
cludlng .pr.ylng, w.lcllng. building Cleaning.
oeophySlcal oxploraUon, Ighllng and wOllION.
ICing equipment.
9. "Occurrenc.. mean. an aceldonl, Inckldlng contlnuou.
or rep.aled .xpoauro 10 .ubSlanllany Iho sam. go",r",
harmful condlllOns,
10. .Porsonallnjury" molnslnjury. othor Ihan "bodily Injury'".
arfslng out 01 Ollt or moro ollho lollowlng ollonse.:
a. False Irr.st. detention or Imprisonment;
b. Mallclou. prolecullon;
c. WlOnglul.nlry Into. or eviction 01 a penlOn 110m. a
room. dW.lllng or pr.mls.. Ihat th. perlOn occu.
pl..;
d. Ora' or wrilt.n publcallon 01 mat.rlallh" .landers
0' lboll a porson or organlzallon or disparages a
person'S or organlzatlon'l goods. products or "1'1-
ic..; 0'
.. Oral orwrillen publlcallon 01 maleriallhat 'Ilolat.. a
p.rson', rlghl 01 privacy.
". a. .ProcluCls.completed ope,allons hazard" Includos
all "bodily Injury" and "property damag." occurring
away I'om premllOl you own O".nllnd IrlslngOUI
01 "Your product" or "you, wo"'" .xC.pl:
(1) Producls thai are slillln your physICal pos..s.
lion; 0'
(2) Work li'lal has nOl Y'I been complel.d 0' aban-
doned.
b. "Your wo"," will be d.omed compl.l.d at Iho .arl-
... OIlh. lollowlng limes:
(1) Wh.n all 01 the work called lor In your contrllCl
has be.n comp""d.
(2) Wh.n III 01 th. work '0 be done Illh. III. has
be.ncompl.t.d II your cont'acl cans lor work at
more Ihan one III..
(3) Wh.n 11111 pall 01 th. work dMt ..ajob III. II.
be.n pullo II. lnI.ndtd u.. IIw Iny parson 01
organlzallon olher lhan anot"" COllfrac1Or Of
.ubcont'actor WOrklng on the ssme proj.ct.
WMt lhal may Ilt.d ..Ivie.. malnl.nenc.. correc.
lion. rspalr or replacem.nt, bill whiCh I. oth.rwl..
COmple.., wi. be treal.d as COmpleted.
c. This "liard clots nol Incluclt "tlod1'J Injury" Of
"proptlly dalNlO'" arlslng out 01:
(1) The tranapollallon 01 property. unlt.llho Injury
Of damage ari..s out 01 I condlllon In or on a
-.hlelt creatH by Ih. "loading or unlolldlng" O'
N:
(2) The .xfSl.nc. 0110011, unins"'itd equipment
or allindOntd or unusld marerlaJI;
COfr..",. In._ ....... ..... "". ,..
..",
~ f'\
THIS ENDORSEMENT CHANGI:S THE POLICY, PLEASE READ IT CAREFULLY
-
IL 002' 11 IS
NUCLEAR ENErIGY LIABILITY EXCLUSION ENDORSEMENT (Brold Form)
TIlls .ndora.m.nl modIlltllnsuranc, pIOvld.d uncler th, followfng:
OUSINESSOWNERS POLICY
COMMERCIAL AUTO COVERAGE PART
COMMERCIAL GENERAL LIABILITY COVERAGE PART
FARM COVERAGE PART
PRODUCTs/cOMPLETED OPERATIONS LIABILITY COVERAGE PART
LlOUOR LIABILITY COVERAGE PART
POLLUTION LIABILITY COVERAGE PART
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART
RAILROAD PROTECTIVE LIABILITY COVERAGE PART
SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORI( DEPARTMENT OF TRANSPORTATION
t. TIl,lnsuranc. dots not IppIy:
A. UncIor Iny lIabllly Cove'Ig', to "bodily Injury" or
"property darnag.":
(') Wilh respect to whiCh an "nsured" under Ihe
poliCy,s also an Insured under a nucl.ar energy
labill)' polley Is.ued by Nucl.ar En.rgy Uobll.
lIy Insurance Assoelolion. Mulual Atomic En.
ergy Llabllily Und.rwrile,., NucI.ar Insu,anc.
Assodallon 01 Canada or .ny oltllelr .ucces.
sors or WOlIId be an Insured und., any suCh
policy bul for 1I.I.rminatlon upon exhaustion 01
ilS ."'t 01 lability; or
(2) Resunlng from Ih. "hlzardou. propertllS" 01
"nucl.., mate"ar and willi r..peCllo whiCII (a)
any porson or organization Is requi,'" 10 main-
tain flnanclat proltCllOn pursuant to th, Alomic
Energy Act 01 195~. or aor law amendatory
ther'ol, or (b)lhe "Insured" Is. or had this polley
nol b..n Issued would be. 'ntilled 10 Indtlnnily
Irom III. Unlt'd Slates of Americl. or any
1gency III.rtol. und,r any agr..menl ,nt.red
inlO by III. Unlt.d S"'II 01 Amellca. or any
1gency Ihereof. with any perwon or organiza-
tIOn.
8. Uncle' Iny M.dlca' Payments coverag., 10 'll'
pens.s Incurred wllh "spect 10 "bodly ,njury" ".
suning Irom Ih, "haza,dou. pIOpertles" 01 "nuclear
mal,lIar and a"slno oul 01 lilt operation 01 a
'nuclear laclftly' by any person or organization.
C, Under any Llabllly Coverage, 10 "bodIly Injury' 0'
'property darnaC/l' /tsulling from Ih, 'haza,dous
p,openl,,' of 'nuclear mal'''ar.lI:
(1) Th. 'nuclelr rIIlIt.lIar (I) II II Iny "fIuc"ar
-. lacllly' owned by. Of Opt,ated by or on behalf
of. In 'nsured'" or lb) has be.n dscha,ged or
dspe"'d I"''''rom;
(2) Th, 'nuclear mal.lIar I. conlalntclln "sptnt
au 21to I", MI
lu.ror"W..I'" Itlnytlme po....sed. handled,
used. proc"'ed. .Ior"'. Iransported or dS,
posed 01 by or on beha" 01 an "Insured"; or
(3) TIle "bodIly Injury" or "property damage' allses
out 01 lh.lurnlshirtg by an "Insured' 01 sorvic...
mat.lIlls, parts or .qulpment In conntClIon
wilh Ihe planning. conSlruclion. mnlnlenance,
operlllon or use 01 any "nuclear Ilclllly". bu. II
such 'aclllly Is !Gcaled wllhln Ihe Unlled Slates
0' Ame,jca. i1s lornlorios or possession. 0'
Canada, tills ellcluslon (3) applies Only 10
'proptrtydamage" 10 such 'nuclear lacilly' and
Iny property Ihereal.
2. AI used In Ihls endorsemenl:
"Hazardous propertl.s" Include raclloacllve. 10xlc or
exploslv, properties;
"Nuclear malerlar means "source mal.r1al", "Spt(.ial
nuclear mal.lIar or "by.product ma'eriar;
'Sourc. mal.lIar, '.peclal nucl.ar matellaf. and "by_
product material' hay. Ihe meanings glv.n Ihom in III'
Alome Energy Acl 01 '954 0' In any law amendalory
IlItrtol;
'Spt", fu,r melns any lue' 'lement or luel component.
sold or Iqulcl. which has be.n us.d or .llpos.d 10
raellallon In I 'nucltar "aclo";
"Wasle' means .ny wast, mal.lIal (a) containing 'by_
product male liar OIlier than III. tailings 0' wasl.s pro-
duced by the exlractlon 0' Concenlrnllon 01 uranium or
IlIGlIum 110m Inyore P'OClSlI'd prlma,11y lor lis 'SOVret
mattn.r contonl,and Ib) resulling 'rom III. oper"iOn IIw
Iny person 0' o'ganlllllon 01 any 'nuclear lacilty'
Inckldlcl Uncle' Ih, flrsllWO PlIrlO,aphs ollhe c1tfinlllon
01 'nucl,.r 'acllly'.
'Hue"., 'acl.,y" means:
(I) Any "nucl'l' ,.lctO";
(b) Any equlpmenl 0' deviCe c1tSlgned or used lor (')
C",riQIIl. /,....._ ServIet. ...., ltu. ltl~
".",
--,
,.....,
ASBESTOS SPECIAL LIABILITY POLICY
NOTICE
'- 'HIS POLICY IS NOT SUBJECT TO THE TERMS AND CONDITIONS OF ANY OTHER INSURANCE POliCY AND
"- CONTAINS PROVISIONS WHICH MAY BE DIFFERENT FROM THOSE 0" ANY OTHER INSURANce POLICY. THE
COMPANY'S POLICY LIMIT OF L.IABILITY MAY BE IMPAIRED OR EXHAUSTED BY DEI'ENSE COSTS OR UY DI\aotAGES
ARISING FROM ANY AND ALL PROJECTS ENOORSED HEREON, THE COMPANY M^INT AINS THE RIGHT TO DENY
APPLICATIONS FOR COVERAGE IN RESPECT OF SPECIFIC PROJECTS. THIS POLICY SHOULD DE CAREFULLY
READ IN ITS ENTIRETY AND DISCUSSED WITH YOUR PROFESSIONAL INSURANCE J\DVISOR.
I. INSURING AGREEMENTS or any corYmlnaUon 'horeolln respect oIl1proj.
In COIlIIdIrallon 0I11Ie payment 01 \he pr.mlum, In tcIlwlliChllogincluringlhll POllcy PtrlOctlho.
r"tnCt upon lilt 1I01lllllnll maclt by Iha Named tit In. Umllol LlIbIKly I" OII\1n lI~m 3(11) ollllt
InlUrtdlnlh.AItlIlIOIAballmenIConlraclOtAppllca. o.clataUOnt, 1000rdlO.. ollho numbClf 0111\0
lion Ot FtclKly Own'''1 Glnllal """"CllIon,lh' Albll' lUred" ProJtc:1 SII.. Ot ClalmlarlSing In"..
101 Abat.mtnl Specillo Prollct Application,"" any Irom,ortlltnunlberolporson.o,orgallilaliORI
Ollltr supp!t"",n\aly InlolmallOn penalning Ih.,.,o. all maklng Claim..
01 which I. a"acn'd ner.1O and incorporalod noroin,lho 2. Th. Deductibll ^mounl applicable 10 .ach and
COmpeny IgIIII II 'ollowI: .v.ry Claim IIguln.lln. Inlurocl .hallIIln.
A. COVERAGE amount se, OUI in lI.m 4 011110 DeclataliOns.
1'no Company may apply Inll Deductible
Th. Company will pay on tlthall 01 Ih.ln.urtd all Amount 10 Dam.g'l or 10 D,'.nlt COlli or
.ums which Ih. InlUred IIICOmt. legally Uable 10 any combination "loreol. The Declucl,b11
pay a. Damagll 10 Third Panlll beC.1USI ot Mounl is pM 01, and nolln addition 10, Iht
Bodily Injury or Propony Damag., lIeun.r In. Umil 01 UaMly SIl OUlln 110m 3 ollhe Ot.oc:tata.
ItnCltd nor Ixpeel.d Irom thl Sla/1dpl)lnl 01 Ihl lions. The Company, alllS sole olOClion, m.1y
Inlured, occurring during tne courl" 01 Ihe In- Oil her:
lurlCl'.pelformanel ot AlblllO. Aballm.nl Ac.
tlVltI... Th. A.b.1I0. Aballm.nl Actlvltl.. (a) payanypar1orallollhoDlductibloAmollnl
mu'l bIOIn du,lng Ine Policy Period at a Projtcl \0 olt.CI SlIlIllme'" 01 any Claim. JIld upon
Sill C!ascribed In . SpecillC P,oject endors.mom nolilicatlon ollhe aClion laken, Ih. NamlCl
allICn.d hll.IO. Inlured Shall promplly 'eilllllurso IhtCOflIo
DEFENSE P'lny 10'Sl,ICh pall Ollho DllCluChble Nnourll
B. as has blIon paid by Iho Company~ or
Th. Compeny Ihall have \h. tlghl and duly 10 (b) I C
def.nd any and all ClaIm. a"alnt' In. In.ured 10 upon receipt 01 noliee 0 any lalm, ot al
.. any time Iherealle,. call upon Ihe NamecI
which Ihillnsuranct applllS, wn.lhllla'SI.lraL41' In.ured and require said Namect Inlured
Ionl or grOUndle,.. and may. in ill sol. discrll'ion. 10 pay o~er and dllposi. willi ,no Company
i~'"IO'" and ..lilt .ueR Clllm.. Th. Com. all 0' any pall 011111 OlldUCbble ^mount.11)
peny'. dUly 10 del.nd snat IlIminal. wn.n Ih.
Company..Umllolllabllly,...oullnll.m30Ilh. be held and lIppHed ~ 1/1, ComP'lny in
Declaralionl,lIU lII.n .xpendlcllhrougn payllllnl respecl of SUCh Claim.
01 judgmentl, ..lIlomtIllIOr O,'.n.. CO'" or any II. DeFINITIONS
comtlinationlhlltOI. Tn.llalt,I.11It Company .nall A. A.bllfo. AIlIt.m.nl ACtlvlly mtanSln. r.moval
..1111 and CGOperal. In Ih. ordeny I,an,'er O'lh. 01 .sIllIlO. 0' DSllelto..contalnlng mRltriall per.
d.t.n.. dUlY \0 In. Inlurld or 10 anolner In.ullr al tOrRled ~ lilt Inlurect 81 a ProjlCl Sill and III
Ih. lnauted'. requell. C1esc,illld in In. ^sboJSIOS AIIi110menl SpecillC
C. LIMIT 0' LIABILITY; DI!OUCTIBLI P,oj.cl "PP.calion sign.d by Ihe Nam.d Insured
1. Th. Com...n.... ll\IIlimum po..... .alliiN lOt or by hi. ao.nl. Alb.1I01 AII.lOmonl Aclll/lly
... . -,.. dOli nol lneludt ,oinsulallon 0' 'nelo,"r. no,
DMlag.. Ot Del.n.. Coell Ot Inr comlllna. dOtl II IneluClt Eneap.utatlon .xcoptlnaolar as
lion 1/101801 btclllll o. a. IOCllly Injury Ot eneaplulallon il pellormtcl on a lempo'OI,., IWIIiI
Propeny Dam.g. 8111ing 0111 01 anr one Oc.
curr.neUhalllle lilt Llmil 01 U.lliHlv I" 0111 in to, Ih' Pu,post 01 IIl1eclino Ih. '.movOl' pIOC...,
. A"""O' AllIltmenl ACtivity .1\;111 be de.mtet 10
Iltm 3(a) 01 lilt D.clltatiofll, rlOl'dltll oIlh. ha_. IIIgun II a Proj.cI Sit. allh. lime Nllhe
number olln.uredl Ot Clalml 8IIslng lhell' Inlutect IIIgillllh' .Slabashmont 01 a '''l9IIaItd
'rom. or In. nutNllI 01 ",'IORI or organlJaliOnt Alia' (al delintd in 29 Codfl 01 f .de,al RegufllliOl'll
mailing Cla""l. TIl. Compenv'1 maximum S
poliCy latlllly to, DaNg.. Of Dtf.n.. COI" IClion '926.58(1)) by lhe iMlallalionol P'OhrCI,_.
.'-
-'
-
-'
UI..I '''''1
I.I!
,
---,
A~BESTOS SPECIAL LIABILITY POllCV
NOTICE
/""".
...
'HIS POL'CY IS NOT SUBJECT TO THE TERMS AND CONDITIONS 0" ANY OTHER INSURANCE POLICY AND
CONTAINS PROVISIONS WHICH MAY BE DIFFERENT FROM THOSE OF ANY OTHER INSURANCE POLICY. THE
COMPANY" POLICY LIMIT OF LlABILITV MAYBE IMPAIRED on eXHAUSTEO BY DEFENSE COSTS OR OY DAMAGES
ARISINQ FROM ANY ANO ALL PRQ,JECTS ENDORSED HEREON. THE COMPANY MAINTAINS THE RIGHT TO DENY
APPl.ICATIONS FOR COVEAAGE IN RESPECT OF SPECIFIC PRQ,JECTS. THIS POLICY SHOULD BE CAREFULL V
READ IN ITS ENTIRETY AND DISCUSSED WITH YOUR PROFESSIONAL INSURANCE ADVISOR.
I, INSURINQ AGREEMENTS orlnyCOrnblnlllonlll.reol'",HPtClofl.""'i-
In COIIIIdt'111On of lilt paYIIlt'" 01111. Pf.mum, In tel. wIlIcII btg/n during Ih. POlfCY"rlodllla.
re'lftC. upon llIe 1I11.m.nl. mad. by Ih. Named be Ih. UmlI 01 UlblIIY'OI OUI In lI.m3(b) of 'lie
'IlIUNCfInIIleAtbe'IO'Aba"lIltntConl'ac,orAjlplIcI' Dtclarlllona. "Olrdlo.. 0'111. IIUlIlbtr 01 In-
I... Ot "lCIIly Owne,.. Gen"ll App'CI.fon,lh. AIbe., .urldl, Pro/tel SII.I Of Clllml lrillng IlItrt.
10. Abel.menl Specjllc: PrOJect App/Ic:lllon Ind Iny Irom,O,.II.IIUIIlbt,olperaonaOfO/VllnlzlllDnl
Olhtr IIlppIomenlllry 'nformallon penl''''ng Ih,relO, IU making C'I'm..
Of wIIIcIl" IlIac"ld h""o Ind lncorporl..d h.,,'n, Ih. 2. TII. 0eclIct1bl. Amount Ippllcabl.,o .tch IIId
Company oar... I' Iollows: ,v.ry CllIm aga/nll'hl In.urld .hln be lhe
A. COYERAGI! amount III OIl. In 111m 4 01 Iho Declarallon..
Thl Company may IppIy Ihl D'clIc:'lbIt
Th. Company wi. Ply on behllf 01 Ihl InlUNCf III A~Uru 10 DlmlO" or 10 DII.n.. COSIl Ot
'ume wNc:" Ill. Inlurld become. 'eol")' ..bl, 10 Iny COll1blnalion Ih.roof. Th. D'cluelilllt
pay I' Dlmao.. 10 Th'rel PI"'" because 01 A~unt I. pan 01, Ind nOl /n addltfon 10, lhe
10CI11y Injury or Prop."y DamIOI. nellh., In. LlII1iI of Llabllil)' SeI oulln lI.m3 01 Ih. Dtclata.
Ilnded nor 'IlPtelld "om .11. lIanclpo/nl 01 Ih. lions. Th. Complny, allls SOl, OleCllon, ma)'
In,uNCf. OCCUrring dunng Ihl COUrs, Of Ih, In- 'ilhe,;
IUrtcl'. performance 01 A'bellO' Abal.menl Ac.
'lvll'... Th. ASb'"01 Abal'lIltn, Act/vltll. (a, Plyanypartorallo"".D.ductibl.Amou,,,
muSI begin dunng Ih. POlicy Period a. a prOJtel 10 .fI.ct S.lUomen! 01 any CllIm, and upon
SII. delCrltled in a Sped'ic PrOj.ct Endors,menl nolilicallon 01 Ih. lellon lakon, III. Hamid
alllcll.d her.lO. 'nlUred SIlINPIOmpl1y rtlmtJurs"he Com-
pany lor lIUCh part 01 Ih. OeclIc:tibl' Nnou'"
B. DIPINSI as ha. be.n paid by Ih. Company: or
Th. Company .h.. lIav. Ihl rlGhl .nd duly 10 (b) I
del.nd .ny and III CI.Im. 'OIInal the In.urtcllo upon rtc. Pt Of nolle. 01 .ny CI.Im, Of II
WIlIcIlIIll,'nlura/lCl appllll. Wh"II.r lals., "I~. Iny Ume 11I""11." can upon Ih. Hamid
lent or 0t0U1ldItI... Ind ,",)'. In IIIIOIe dllC'lllon, lnaurld Ind rlqU/re .ald Hamid InlUrld
/ny"'~'1 Ind lllIfe 'UCII Clalml. Th. Com. 10PlyoveranddePOsllwithlh.Company
PI""I duty to del.nd 'han I.,mnal. whln Ihl .. or Iny part 01 Iho Otductible Amount, 10
Company'. UmlI01 Ll"bifily, '''OU' In 111m3 of Ihl be IItId Ind'!lPItel by Ih. ComPlny In
Dtcfarallone, .... be." Illpencftclllltough Pl1IIII'" rllPlCf oflUCh CII"".
01 Judgme"'I, '''Ilement. or Def.n.. Coil. Of .ny II. DEFINITIONS
comtlI''''Uon",.ItOf. Ther..".,.'IIeComPlny SIll. A. AIt,..,OI Abltllll.nl Acflvlly me.ns Ih. re~val
.....1 'nd COOperll. In the Otdtrly I,ansl., 01 Ihl 01 ISbill.. 0' aSbeSIoS.eontalnlng mal'tlals per.
dellllSt dul)' 10 11l"llIUrtel or 10 anolher Insure, a. lOtmtd IIw the InlUrld II I ProllCI Sill and as
Ih. In,urld'. rtquHI. deSCribed In III. ASbellOl ^tIal'IIltN Specillc
C. LIMIT 0" LlABILlTYj DIDUCTIILI P'Ojlcl AppIca'lon Ilgnld by Ih. Nlmtct In.urtct
t. TIl. ComPln.... maximum -..... I.bllly lOt or by hi. IICItnt. A'IltIlO. Ab'"m.nl ACllvlI)'
· .,...... clot, not Inc-. rtlntvlaliOn Of IncIO.ur. no,
Dem't.. Of Oll.n.. COlli or any COmbltl4l' cto.. IlII1dudt InclPlUllllon 'IlCOPt insolar IS
lion Iho'M' _.u.. Of .M 10CI11y Injury 01 EnclPlulatlon Is petlormect on lI.mpo,ary bali.
Property Dam... ariSing 0111 01 any One Oc- lor Ih. purpose of '''teI'ng Ih. rell1O\'.' process.
.urren.. 'h.. b,'he Llml Of Ll.bil.y SII 0111 In A'bellOI AIM",",nt Acttvlly Ihl' be lIt'med 10
111m 3(a) Of Ih. Dtc/;lrallont. 'I(Iardft.. 01 lilt h'vI ~ II . Projfel SII. al Ill. lime 11I.llhl
IIUIIlbt, 0' In.urtct, Of Clalllll ari"ng Ih.,I' In,urtclllegllll Ill. eSfablShment 01 I'Rfgulal.d
fl'Om, tlr ,". IIUmborOf pe'lOlII Oto'O'ntllllone Are.- (as lItlintcl In 29 Code 01 Ftel.,al """"'aIlOns
mMlng Clllml, TII. ComPlny', maximum S _..-
POlley ..tllll)' for Oamag.. 0' Defln.. CO'f' ICll0n 192'.58(." br Ih,'nSlall",ion Of p'oleclivo
Atl"I!IIII1
'''S
~
...........,
.
.'
,
bInI.,. lnet malerlll. required 10 be Inlllllld be.
lore Ih. a'bello, removal proc... ICluall~
commence.. ".....to. "Mttm.nt AcllvllW shall
be c1..mecllO be complelocl at Iho IIIrll..1 01 Iho
lollowing 111'1II':
,. When" 01 \he WOItI caU'" lor In Ih.lnlUred'.
contrlCt ha. tIt.n CO"ll""d.
I. Wh.n I. 01 \h. work 10 be done allhe Project
Site hi. been compIeltd II IhI lnaurtcf'l con.
trlct CIII. for work al more Ihan ono PrOject
Sit.,
3. Wh.n thll patt of the WOrk to be done II \h,
Project Sit. hu tIt.n pullO Ita Inlendtcf u"llW
llRW perlOll or otgllRilalion olher lhan anoth.r
corc'ICtOtOl SUbconlrlClorworklng onth.14I'IlI
Project Sit..
... Wh.n \here II I t.rmlnallon of I 'RlglIllled
At..- (a. cfelintd In 29 Cod. 01 Ftcftrlll RIglI'
IlIlion. S,cllon '11211.58 ('11 by Ih. romoval 01
ptOI.clive barrlor. .ncl maltrlalS whICh had
lI..n requlr.d 10 tit Inllalltd.
WOrk Ihal maw ne.dllrvlc., malnllnanc.. correc.
lion, repair or replllC4lmenl, bul which Is otherwill
CO"lll.I.. will be lreal.d al compl.led.
B. IocIIIW Injury mallll slckne.s, dllase or d.alh
relulling Ihe,,'rom 10 a Third Panw ariSing I,om
thaI person's Inhalation or 'ngeslion of aslleslol or
.SlleSlOs-conlalning malerlals during Ih. cours. 01
Ihe InlUred'. perlormane. of Asbello. Aba...
m.nt Activities al a PIOJecl Sit., A1llUcn IocIIIW
Injury Is d..med 10 ha_. occuII.d al and only alln"
lime oj IUch IAQISllon or inhalalion.
C. Claim l'IIIalll. wrill.nctemand,lnc~dngalawsult.
tly . Third P.ny ...king Damall" Irom Ih. In-
.1Irtcf in respeel 01 BOdily Injury or Prop.ny
Dlmla', Each such demand by an Indivioual. 0' by
a lamily or hOlIS.nold group. shall constilul. a
..patall and dllinct Claim, ancl Ih.U rtqllire
paYl'lllnt by Ih. InlUrtcf of a "palal. DtduCblllll
Amount.
O. Compeny means EnvlroMltntal Risk Insurance
Company, I Risk RellnliOn Group.
E. Dtmaa"l'IIIanscompelllalOrydamages, wfIl1htr
paid in s""'l'IIInl 01 Claim. or SatiSlacliOn 01 judQ.
ment., on account of BOdily Injury or Prop.n~
011II10' bul dOl. nol Inc~CI. Iin", penaRI,.,
PUnitiv. 0' ...mpIaIy clamages, lI.b.. or olher
.Mancad dill', criminal 0' conuaclllal CIo1mages ftOI
COSIS III,Rdant 10 complianc. wllh an orCIt, lI'ant-
ing inJuncliv. 0' OIh" equitable rell.,.
F. Dll,n.. CO"' l'IIIa1l all COli. ancl 'Ipense. In-
ClIrred by Ih. Company In COMt4:\IOIl wilh \h,
Inv.SllOIlion. ..lIltment ancfCl,'.nl. 01 lIlY Claim
IncluCllng. bul nol .miled 10, IllS and ,.plns.. 01
Illorneys. Inwtllgalor.. aclJu.",. anCI 'Ipe"..
~'IISlllI
,,-,
"
O.f.n.. CO"I do nol Inclucte snlariD. 01 Dn~
omplo~e' 01 Ih.Inl"roCl or ollh. Compan~, OVII'
h.acI ollhO In.ureel 01 oIlh41 Compan~. lIor llny
COli or 'Ipan.. plllcl or incurroct by IlIu InlUrN
wllhOUllhe prior w,I\lon conlOlll OllhO Company.
O. Enc.paulaUon mellnl Ih. ptoeo., by wlllc:h as. ,
lleSIOl-contolning 1IIII"lIal, Olt .prllyOCl with a
subllanc. which binds lho malolrlala tOOlllhllr and
lorme In OUler COating. 10 COmplulO IhO romovlII
ptoeoss.
H. Enclo.ure mean. Ih. proc.ss by which IsblIIO.
containing mal.rlal i. ollclosod wilh air lighl tI;U,itrs
10 pt.v.nl libo, 'lCape.
I. OCclI"enc.1'lll1ns an lCddenl or .."..01 lIlillocl
accidenlllalllng place al a PrOject SIl. dlIring Ihlt
porlormanc. 01 A.tltIlO. "bllllmonl AcUvllll.
Il8QInnlng clurlng Ih. POlICy Porlod whiCh rosu.sln
BOClII~ InJlIry or Prop,n~ Otmall',
J. Policy Perlocl moans Ih. po,iod Sill oul in lI.m:! 01
Ihe O"c:laralions.
K. PrOjecl Sill means Ih. area wllhin or upon a
SlIuelur. In whiCh Ihulnsured pollorms ASll.II0.
Abllom.nt -'CUvlll.. whICh c:ommenco dlI';ng \110
PolICy Porlod and wllic:h a'o porlOmllld PlIrsuanl 10
a COlllra(.1 desc:rllled in a Speeilic: P,ojuel (ndorso.
ment allar-hed he'olo. ProjoC:1 SIl. includos any
"Aeoulaled N.a' wilhln 0' W,lhoul a SUuelu,o as
lI1allerm Is defin'din 29 Code 01 F,do,al RUQIIla.
lions SteUon '926.58 (e) in ellllC:lall111 inceptiOn
dall 01 Ihl, POMCf or as arnondlld dlI'ing lh. hIImo.
any insu,.Cl ptojllct.
L. Prop.ny Damaa' means Ih. c:onlamlnallon 01
tangibl' ptOptny ownecl, renllld or Ie..oct by a
Third Pany, and loll 01 uso 'esulfing Ihorelrom.
c:aused by Ih. depositing olasllOslo. or asllttlos-
conl8inlng mall,lals onlO such propeny during IIle
c:ourse 01 Ih. In.urod', IlUtlotnt.1nco 01 A.lItIlOS
AlIallm.nl ACUvIU" al a Projoct Sill. All such
Prop."~ Damlll' is c1eomed 10 havo occurred al
ancl only al Ih.lim, 01 Ih. cteposlling 01 asbtslol 0'
aslltSlos.containing malerialS.
M. Third Pa"~ meanuny person orellllly who is nol:
(1) an In.urod; (2) an u"llloye.. ow"er. partne,.
di'tclo,. sharenolder or olllce, 01 an Insured; (3) I
..laliv. tly blOOd or ma'ri. 0' a pe'llOn reSlCllng In
Ih. hOU.llholCl 01 any person or enlily mentionod In
(') Of (2) h.lIin; (4)wllh respact 10 any PrOject Sit.,
a con"actor 0' sullConlrlClo, of Ihllln.urOClllCling
as such or any 'mplOy... owner, pan"",. d,IICtOI,
shareholder or olllCerlher.ol; (5) a relaliv.1Iw blOOd
0' marriage 0' I personrGsidlng Inlh. nout.nolclOI
any pe'SOIl or .nlily mellliOned in (4) herein; or (G)
wllnltspecllolPro/8Ct Sit., anow",'o, manage,
01 Ihll Projeet Sill. or '"lIlOy.'. partne,. dreClOl.
offica' or SharehOlder '""eal. whil. acting In SUCh '
capaclly II lilt PrOjecl Sit..
,.15
'"
.'
.
III. EXCLUSIONS :
Till Company 'II" nol be IIbII to clellnd or paV
Dlllnll CoItI or makllnv payrntlnl for Damlllllln
coMlCliOn wilh Iny Clllm dlrlClly or IndlrocllV Dllld
\!pon or llllaino out 01:
_ A. locIltot Injury IUIl.red bv anv pallOn 011111 IlIln I
TlllrCl 'Irty,
8. '1OII.I1Y 011II1111 to:
1. P.rsonaJ propel1V owlllCl, renllel to or In 1111
core, cultOCly or conlrol ollh. InlUrlel.
t. Propel1V ownICI. renllel to or occupltd bV till
InlUreel.
3. Preml'., IOld. glvln awlV or abandOned bV
111I Inured il 1111 Prop.I1V Oamlll' arll" Oul
01 anv pal1 ollila. pr.mllIl.
4. Propel1V IolnlCllO the InlUred.
5. Proptl1V al I Project 511' Ihll mull III ra'
IlOrad, repalr.d or replaced blClUlI 01 ",.
InlUrld'llallur, to per101m A,b..to, Abat..
m.n. ACllvl".e In accordanCe willi 1110 con.
trlde r.ladng 10 the Project 5111.
I. TIll' partlcularpal1 01 rel,propal1yonwlllclltll.
Ineurecl or any conlraClOr or lubCOntractOr
working CliIKlly or inClirlCllV on btlla. 01 "'I
Ineurad II pe"ormlng Albelloe Aballm.nl
AcllvllI.." Ill. Propal1y Dlmall' arlles oulol
IhOlI Aelllltol Alllllmln' Acllvlllll.
'. . C. Ant Iallure 01 Ill. Inlurld In compl.ung Inv con-
lract re"lIng 10 I Project 8111 In a dlNlly manner,
InclllCling but nol 'ml.d 10. re,abaltmtnl, .co.
nomIC claims IlIalnst thl InlUrld and anv pecu.
nlary lost lUll' red as a result 01 III. Inlured'l
1CIIvi1l1l.
O. IOCIIIV InJury or Propel1V DIIIIIge OCQ.IlIlng alllr
COftlPlttlonOIIIl.lnsur4lCl'e ASlltSlO' Abat.m.nt
Actlvlll.. II a ProllC' 511..
E. Ant Claim bV anv Inlurld agailllt anvolll.r parson
01 .ntity wtlo IS IIso an llIIUrld undllllll Poley.
,. Ant laIlIlty ISt\IIMd Ilw an Ir\IIIrtd IInder any
contract 01 aot..menl whiCh _Ill 1101 IIava II'
laclled DUI lor laid contracl or agre.llI4nl.
O. Ant Db'gatlon 01111I InlUrld vndlr WOrkl" com-
peRlatlon. Cli..llllly tlIntlilS, vn.ft1ClIOymenl corn-
pensllion, .qlIOyQf' lallllly or Iht llmilar taw.
H. TIll Inlulld"lntlnllonal-'OlaIlOn OIanv F IcIIral,
51111 or lOCaI..a..,,, or llOUlltiOn 01 Older 01 IIf'1
compIllnt govlrnmentlllutllOllly.
I. TII. movlmlnl,lflftIPOllluon. stoFIQ' ordl~
01 IIbeSlOl Of asbeslos-conllinlng mat.lIa" lrom
or ""'Iy IromOfOUlsl6l0l'III'Aeou..ledN..' (IS
111I' ,arm I. dlIlnId In 2t CoclI 01 ,..,11 A.Ia'
liOns Sadlon 1921.51 (.)).
J. Thl actvll Of I'~ or ""1"lnICI 1II1dl.,....
III.ase. 'SCapl. Iranspott. dlspolal, ptOCtsSlng or
ASI,.IISlllI
-'
1"'"'\
1,..lmlnI 01 ,nv IlIbllanco wlllcllll or II "Ileged 10
bo 1011e or conlllmin4dng In any mannor wha\llv.r.
provideo, nowever, Ihlll 111I. I!_elllllon Iha" nol
.pp1v 10 '110 In.ured'l lIandhng of allllllO. or
'lboIIOI-COn!aining mlllerlalllOltly al 0 ProllC'
511. and dullng IIIu COU,.. 01 hll Il'l"OIln4nc. 01
ASllllIOI Ablllm.n' Acllvlllo..
IV. PEASONS INSURED
Eacll oIllI.lollowlng I. an In,urlClllndor Ihlllnsuranco
10 III. .IIUn! 101 10llh billow:
A. IIlhl NamlCllnlurod II dllIlln4lldln lI.m 1 011110
OtClltoIlORI.' on Indlvldvol, 1110 pellOlllO Cllsig-
nalld, lIUI onlv willi IIlpocl 10 III. corQICI 01 "
lIUslntSl 01 whiCII II. I. Ih' 1010 proptIOIOI InCllho
lPOUst 011110 Nlmed Inlurld willi rospocllO 1110
conduCt 01 IUCh a lIUslno...
B. 111111 NamlClln.ureclll delillnalod In lI.m 1 01111.
[)fCIa,.llons II a partneralllp or joln! VllnlUre, 11111
plIl1",'IIIip or joln' v.nlUre 10 deslQno1l0d and ony
pannor 01 mlmltlOr 1h00eol Ind lIiS spouso .1IU1 only
wllh rolpeCI to IhO COndUCl olSUc:h a bulin....
C. 11111. Named Insvrtd is dGslonaled In 110m' olllle
D,cII'ldonl a. other Ihan an Individual. panMr-
slllpor joInl v.mvll.IIIO oroonlzalion sod.liQnalOO
"nd any ...cullvo ollieo" Oiroelor or IhalOhOlCIC'
Ihll.ol wllllo acllngwllhin Iho .eopt 01 lIiS Clulill'lIs
sucll.
D. M't .mploy,,(Olllll Ihan .I.cutive ollieors) 0111111
Nlmed In.vrlCl wllllO ac:tlng wllhln IlIe 1C0pII 01 his
dull" as such, llUllh. IMUranc. allordOd to SUCh
.mpIoy" do.1 IlO\ apply \0:
1. 8Od1IYlnlv~IO'noIl1t,.rnpIOy"0I111'NamlCl
InsurlClllriSlngou' 01 or in IhO COIIISll OIlIis .m.
plOymtnl.
2. Prop.l1y Damag' 10 prope"y owllld 01 OCCU
pl'O by or re",oll or 10.11II0 10 an '''1Iloy.. 0"
III' NamlCllnlvrecl or. II '"0 NamlCllnsvII'
IS a pannersllip 0' jDim_.nlull. any pa"nor 0
member '"01001 or III. spoust of Iny 01 ""
loragoing.
V. CONDITIONS
A. Air Monlloll",, RIPOnlnll, DoCvm.ntatlon
TIll Named InllvrlCt, SI ilS COli, lhall III'" cor
clUCl8d. on lIS lItlllll air monllOling l.slI II 'vo'
proJIC' "" in ano .lOlInd.. all.. whtll A....t
'01 ADI"",,n' Actlv"lt. are 10 bt par10,n~"
llelore. du,ing and ,II" SUCII acWhiol and II It
compllllon 01 '"' proilCt. ^" IUCII \tSlinG III" l
conduCt.d In accordance willlllandardl _OIl'
by III. c:ompanv. Till NamlCt Inlvr.d shal. all,
cofll9llllon OIlUCh prolllCl. tOlWlIld 10 Iht Cor
pany Iht IlSU1l1 01 such It''l, llonO willi Olh
,nlorma\lOll pertll'*'O \0 UI.ldtnlll't 01 III. perM'
conduCting IUCll IISIS and analyJil1Q SUCh rtsull
TII. Namecllnsurld Sll'" porma""nlly lNinl;,
InCl secure IIi clOc:Umanlallon 01 such monitor"
"
,
~
.
and ""Ino .nd Ihlll fOlW.Id, on 'h' Company"
requlll, allauch cIocullllllllllon 10 Ihl Company.
8. Compliance willi Law
Thl InlUrld 1"1" CO"" wi'" III ,.elIral, 81111
and Iocalllall.llll and r.gulaUona and aU orellrl o.
COmptllnt govlmmanllll IUlhorily peneiRlng 10
eslltllOI lIballllllnl.
C. Nollel'O tile Company. Out I.. of Inlurld
ThllnlUred s"llllnvnadlaltly noU'y Ih. Company
01 any Clllm, uW.lllIIlnV c1rCUmll.nctlOI whleh
Ihl Inlurad II Iwarl, lIItl may rllll.ln a CI.Im.
Such Clrcumalanctllncludl, but .rl nollrnted 10,
Ihl 'OllOwlng:
1. ,.,., vllIIlI obIlrv.llon or t.., rtlllll from alr
monilOring al. Prolac:t Sill inclc:lllng clePOlil'
Ing OIlIlMI.lo. or alllellol-conlalning maltri.
.1. b,yOnd Ihllmmldlatl .rllln which MIMI..
101 AtNlltmlnt Acllvltll. III Dllng parformed.
0' Indicaling .Ibllloa lill.r concentralions in
Ihl air In 0' 'djaclnt 10 Ihe Immediale .rea in
whleh AltNltlOI AlIaltment Aclllrll'" are
being performed boyOnd Ihe Ihen app~cabl.
PermllSible Expolure Levels lpecllllld by Ihe
Unded SIalts Oa:upaUOnal Sa'"Y and Heahn
Mminlslralion.
2. Entry InlO Ihelmmedlaltlrea whlre AllIelto.
All.l.m.nl AcIl_1I101 arl laking place by any
perlOn Olh.. Ihan Ino.. parsons emplOyecllo
conduct AIlIttlOI Allallmlnt AcllvlUI. 0'
air monilOrlng ancll/lo.. parsons aulhorlled 10
supervise, Inspecl or approvI auch aCIJvilies.
3. Any Olh., c1rcumallnc. I.ading Ih.lnlurad 10
realOnably blM.v. Ihal Pro,,"y Damao. 0'
80C111y Injury may haVl oa:urred. or lIlal I
CIIIm Is ..11y 10 be macll.
SUCh noUce shall Include COP" o. III demands,
nollel., sumlftlna.. or Olh., !tOil papers. Ind
ClIlIIII 01 III CI.lml. IncluCling elal. reCtivlld. Th.
Inlured shill oIIIlIn or IUlhOriJI Ih. Company 10
ObIain a. aucll 'ecorCll, cIoC:umIllIl or ollltr Inlor.
matlon .. Ih. Company eI..ma penlntlll 10 \Il.
inv.sligallon and cle'enal of Iny C'IIm. Slllllcoop-
.fIlI wllh Ih. Company In Ihe Inv..llgaliOn Ind
Cltllllll Ind .hlll...illlh. COmptny In lilt pr...
..llalion Ind .",orC'IIIIn1 oIlny righl egainlI Iny
"rlOn or organlulion whidl may III laIIIt 10 Ih.
InlUred on accoulll 01 IIo4IIIV InjUry 01 PrOlllny
Dam.... Th.lnsu,ICI, Ixc.plal his own Ixpana..
llIalI not VOIuIlIarlly USUlN III't oblQaliOn 0I1lIaIlI
any paylllllll, .xcePtln 1Ispac:1 01 lirsl '"', wilhOul
IIIe Corn,.,.)'" prtor wrill.n CONelll.
O. '.elnapectlO"
TIl. Com,.n)' mav,llut II nc.' requI,tcf 1O,InIpac:I
anv 'rejeC. ''It Ih""'" COIl'tIItUon " \lit lito
lUted'. AIIIe"o, AIII.."'.n. Activit", llauch
,rejec"It.. Any such inspectionu,. inlhe na""e
AIt..111III1
1.1. ._..._.-__. -___._
1""\
.01 .udils and dO no. constllul.. nor mny IhOY be
deemecllO conalilulO. sololy In.puclions, Thl In-
lured shal romain IOloly rUlponllble lor compll'
anct wilh 011 ponlntnl hUlIllh and SIIIOly requlro.
montl.
E. Comptny'. RI,"I 10 Rljeel
COVlrllOlls .1I0rdoel ,llncoptlon h.,eunder only
With re'PlICI 10 projllCll dulC,iblld In Specllic I'rol'
Kl EndOraollllnts OllachCld ""rolo. Covoraoe in
respecI 01 othorprojKls moybe providoclOnly upon
Ihl N.med Inlu,ocf'. ApplIcalion, opp,ovOellly 1110
Comptny, and Ihe CompanY'1 ..suance 01 a
Spac:llic I'rojOCl Endorsomonl. Thl Company 10'
lailll lIle "OhIIO rejOCl .UCh I\ppIIcallon lIIlO rolu..
10 issue such EndOlSOh'lolnt.
F. 8.nkNplCY
Ba'*Nptcy or InlOlvency 01 IhO Namad Inlurecl or
Ih.. Nllned Inlurocf', lI.alll doos 1101 ro'"_,, Ihu
Company 01 any obliQlllions horllundor, nor m:lY II
,ncroaso or IICcllluralu such oblloallons.
G. Rlpresonllllonl
By accepting Ihis Polcy. Ihe Named Inturld GOO
alllntu,edl agro. and contirm IIlallll" nlalumelllS
In Iho Ooclarallons art INC, Ih:lllhO rop,osenla.
lions made by Ihe Named Insurod in Ihll ASbeSIOS
Abaltmenl COnl,aclo, App'C:ltiOll or In Iho f'1IC1"r
o.no,'s OenlJ,al Appticalion. an" In Int' MOOSIOS
Allill,m.nl Sptcilic "roloel Applicalion(S) aro INU
and correCI and !hal Ihll Company has issulld ane
.ndOrsed Ihe PoMcy In Ill'anc" upon wch Slalo'
meNS.
H. No RI.hl of A..Ionmenl
No Inlurtd may I,anll., 0' asSIgn any righl or
ollllgalions herounder withoul 11111 .xpr..s prIG'
w,llIlIn consenl 01 Ih. Company and endorsed
h.reon.
.. Prtmlurn Audit
,. The Comptny wiN compule all premiums 10'
Ihll PoliCy In ICCOrdallCll willi ill rule' Ind
,Ilel.
2. Th. Advlnce and Deposil shown in .Im 5 01
lilt Oeelarallon. il . O.posil ~. Tilt pr..
mlum II 1ll11jac:110 audll II any lime until IUCh
111III as .u projOCll .ndO,.... hlr.on are com.
pitied Ind bill8cl. ^' Ih. close 01 IUCh ludlI
pariOd, Ih. Company will COmpul' Iho .arntel
premium lor Iha. poriOtJ, i\udil p,omluma are
U and PGyablllO Ihe Comptn)' on notice \0
lilt Named Inturtcl.1l lhe sum 01 lilt Advanco
Ind O.poIlt Ind Ih.audil pr.mlUml paid lot Ihe
Policy PeriOd II orealo, Ihan Ihe .a,neel pre.
mium, III' Com,.ny will rtlllth Ihe OX cess 10
Ihe NIlIIICt Insu,tcI.
3. Th. NllIItcI Inlurtcl must k.ep reco,CII Of lilt
InIOtmltion netclOCllor premium cOfllllUlalion
and..nd Ih. Comptny copies III suCh lime liS
un
.-... ,'. --..- .--........
'. .
.
~
Ill. CompanV may requ'lt TII'I. lneWt all
tIlllngl, 'K.lp/I, Ilatomonll, checklllncld'o1l1,
r'lallng 10 pro/.ctl 'r'GotIGd horoon.
oJ. AU.llorlaallon
-
By ICCOP/lne. oIlil/l Po'C)', III. Nlmed Inlu'td
Igrool 10 Ict on bohlll 01 all Ih. 'nlurtdl wllh
rOlpoc.lo III. giving 01 noliCe 10 Ih. Company as
provtcl.dln COllCllllon C,llle payment 01 p'omull1l
and Iho rec.,vlng 01 any rolurn pt.mlUIl1l Ihal may
btcome Clue uncltr IlIIs Policy, Ind III In'urtell
...llIat III. Nlmtellnlured IlIall 10 Ict on Ihol,
blllI.a..
K. Acllon Agltnll lilt ComlHlny
No IClIon IhaN 'elC/llnal 1110 Com",ny unit.., ..
I COllCllllon IlttCtcIonl Iher.lo, 1110 Inlured 111011
Illve tully COmpll.d willi I' 01 III. I.rml and condl,
Ilona Of 111I1 Po'C)', or Unlll Ih. lmount of Ih.
Inlured', Oblgallon Ihlll havo boon lully anclll.
nal~ dtl.rmlnod "llIor by wnll.n agt,omenl boo
Iwftn Ih.lnlured, Ih. c:lalmanllnCIlho Complny,
or by final/Uelgm.n. aQ.1lnll Ih. Inlurtd aller Ih.
lCIuallnal 0' Ih. 'Sluts Ind Iho lime 10 appeal
Iher"rom lias .xpl,teI wllhouI an appeal having
bo.n lak.n or,il any app.al has been lak.n, Ih.n
until aller luch appeal has boon I/nally dele'minod.
Nollllng COnlalntel htreln shall glv. any person or
orgaNZallon any righll. join Ih. Com",ny as a co-
dtl.ncltnt In any claim IgalnS! Iho 'nsured 10
dtlermine Ih.ln,urtd', labilily.
L. S.parallon of In.urtd.
I!xCtp/ wilh relJltCllo Ih, LlmlI 01 UablUly. and any
rtglllI 01 dull'l 'P.Clllc.ny ISalOned In Iho Inaunng
Agrttmtnt 10 Ih. Namtelln.ured, Ihll Insurlne.
IPP/ltl:
1. AaIf'acIINIIntd 'n.uI'tCIWtrtlhtonl)t Named
InlUrtcl; Ind
2. Stpe'IIIl)tlo.KII,nlUrtdlClllntlwhomCIt""
II madt.
Y. Chlnge.
NoUct 10 Iny IOtnl Otknowltcfgt 1IO......d by any
IOtflf 01 Oflltr IltllOn ICIIng on boha' 01 III. Com-
PIny 1Ila. no',"tCf I walwror I Cll.anoe in any Pill
oliN, Poley Of I Slop Ih. ComPlny from IIs.lllng
Iny rlghl u""" lh. II"'" Ind condillons of 111I,
Policy. no, 1"'1 Ih, I.rms Ind COIIcIIllons O. Ihl,
"
I"""'.
POlcy be WI/ved or chaogqd oxcop/ by wnll.n
'ndorsomenl or lkIorslgnod by an llulhonzOd Com.
PIny repraltntlllvo IndllSUOdlO 'orm II pM ollhil
PONcy.
N. FII.. and FraUdul.n. Clllm.
IIlh. Inlurtcl Iholl commll IrOUdln prolf.rlng any
CI.'m unclor Ihls PoNey wllh rospocllO Iho amounl
IhtreOf or Olll.rwfso, Iho Insurane. allordtd uncIt,
Ihl, Po'C)' Ihl" bocomo void wilh regard 10 luch
Claim mad. by Ih. InlUred.
O. COnfOrmity
Any I.rma 0' COncllllonl 01 Ihl. PoNey whIClI .r.in
conllcl willi Iny Ipplcab/o 1I0Iul.. 01 lilt SIO/' II
Ih, IImt Ihl. Poley I. IllUed whor,'n Ihi. PolIcy i$
COnlllUtd I" h.reby amondOd 10 con'orm 10 IUC"
lIatul...
P. Subrogation
III". InSUrtcl1l1S rlghlS 10 reCOver all or PM 01 any
paymtnl Ih. Complny has mado horounder, lhost
nghl' Ire IranSlorr'd 10 Ih. Company. Tho I...
lurtd "-'51 do nolh/ng 10 Iml>'lir Ihem. Al Iho
Company', requell, Iho Inlured will bring Sui..
e."cul. luch documenls as may be requirod by Iho
Company anCI help Ihe Company 10 enro'ce il.
ngllls.
O. 0111" II'lluranc.
1. This lnsurane,Is primary, and Iho CompanY'1
oblfgallons are nol Ollecled by O'hor inluranc.
IvlllllbrelO Ih.lnsurtel unl... any 01 I,.. olher
Insurance " IIso primary, IIlher. Is olher pri_
mary lnaurane, avallabl. 10 Ih. In.urtel. Ih.
ComPlny'. obligalfons Ire a. ser OUI In 2
bolow.
2. If III Of Ih. Olh.r Insuranc. perm/Is COntribution
by equal sha,.., 11I1 Company will 'ollow Ihls
mtlhod also. Uncte, Ihls approach. lac" Insuror
contnbul.. equal lmounts Unlll II "as JII/d liS
IllPIlcablt Iml 01 Insu,ance or none Of Ihllo..
"malne. whIChever comos IitSl. " any Of lilt
0111., Inauranc. dot. not Iltlmil COnt,ibuliOn IIw
equal....,.., III. Company win COntrlbulo by
Iml.. Uncte, 11111 molhod, each insur,(. sha,o
" bI'teI on lilt ratio 01 Its applicable 'mil Of
Insurance 10 III, 10111 Ipplcable ImlS 01 insUl'
Inc. of III fneu,.rs.
. ,,,"
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""""
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A......' I.'. Ie. I""
".."., J, ..".. ....".
......., 1.'. ... .,...
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"e. IN ,...
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1'''1 .....,.,
A~' .. RAIn."
CUMlDtNlD V.u.u:y SCHOOL
D%STRICT,
Plaindtt
Y.
~
JM '1'HI COUM' 0' COMMON P:LIAS
CUMBIJUNID COUNTY, PENNIVLVANXA
NO. 2119-1992
CIVIL ACTION - tAW
HM.L-JCIMUlU. ENVIROJnllNTAL
SERVICES, INC., PEMOCO, INC.,
ABATIKPT TECHNOLOGIES, IlfC.
and COMMJ:RCIA:L CASUALTY
INSURANCE COMPANY,
Defendant. I
.. .. .. .. .. .. .. .. .. ..
MM'Y~
YOU HAW BEEN SUED IN COURT, It you wbh to defend
a9ain.t ~e clai.. .et fort~ in t~e followin9 page., you .uat take
action w1~1n twenty (20) day. after this complaint and Notice are
.erved, by enterinv a written appearance personally or by attorney
and f111nv 1n wr1t.1n9 with t.~e Court. your def.n.e. or objection. to
t~e olai.. .et fort~ a9a1n.t. you, You are warned t~at if you fail
to do 80 ~e oa.. ..y proceed wi~out you and a judqaent ..y be
entered aVain.t you by the Court. wit~out further not.ioe for any
Roney cla1.ed in the Co.plaint or for any ot~er claim or relief
requened by t.~e plaintiff. You .ey 10.. .oney or propert.y or
other rivht.. 1aport.ant to you.
YOU SHOULD TAU THIS PAPER TO YOUR LAWYER AT DNCI. IF YOU DO
NOT HAVE A ~WYER 0Jl C>>nIOT AFFORD ONI, GO TO OR TELEPHONE THE
OFFICI SI'l' PORTH BILOW TO rIND OUT WHIRl YOU CAN GET LEGAL HELP.
ctJMIIJU,MD COUMTY tAWYD RlFlRRAL aDVICE
Court A4a1n1.t.rator
4th 'loor, cuaberland County Court.hou..
. Car1ble,'A 1101.3
(717) 240-6200
\
TRUE COpy FROM
1ft Tllt!lMnr wtJotrCl(!~ I he' . RECORD
Illf me ..., Of lie . ,., 1111'" HI mr IIInd
T'* .J.t~ HI Court.. ClI//l$jf "
.. ..~~.!;~~~i 'I.';
"..;;:t; -
o.tel
U October U92
MOADS 'IJNON '-;; /" /zy
IYI .~~~
Charles E.-Out.~all
Jennifer J. Patton
One south Market sq., 12th '1.
'.0. lOx 114.
Harr1aburv, PI. 1'101-1146
(717) 233-"31
Att.orney. for 'laintiff
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cont.lnue. to be lnvolv.d in tb. provblon of .1...ntaZ'Y and
..oondaZ'Y .duoatlon.
2. Def.ndant Hall-Jell1br.lllnvlroNl.ntal S.l'\'lc.., Inc.
(b.r.lnan.r "Hall-Je18r.ll") 1& a cOl'Poratlon b.li.v.d to b.
lnool'Por.t.d in Delavar. and r.,l.'.r.d to do bu. In... in
,.nn.ylvanla, havln9 a 1'e91et.and offic. of 150 poplar Str.et,
'1 tt.bur9b, All.,bany County, P.nn.yl vania 15220 and a .&111n,
addr... of .14D w..t 15tb stra.t, Lavr.nc., oou91a. County, Kan.a.
61041. Dafandant Hall-JC1l1brell v.. at all ralevant tl.a. and
contlnua. t.o b. a provid.r of archl tactural and an9in..l'1n,
..rvlca. for a.b..to. abat...nt and h.ld It.alf out a. bavin9
partlcular .xp.rti.. in .aid fi.ld,
3. Det.ndant Panoco, Inc. (h.r.inatt.r "'.noco") i. a
'.nn.ylvania cOl'Poration havin, it. principal plac. of bu. in... at
a7.. w..t COll.,. Av.nu., Stata Coll.,., C.ntr. County,
'.nnsylvanla UI01. Det.ndant. '.noco va. at all r.l.vant t.l... and
oontlnu.. to b. a 9.n.ra1 cont.ractor involved ln the budn...,
in~~~ &111, ot a.b..to. abat...nt. an4 h.ld lts.lf out a. havln,
particular exp.rtl.. in .aid bu.in....
4. Defendants Abat...nt T.chnologi.., Inc, (h.r.inafter
"Abat...nt T.chnologl..") ls a cOl'Poratlon b.ll.v.d to be
lncol'Porat.d In o.or,la, bavlft9 It. prlncipal place of bu. In... at
1705 ..11 M.ade Court, Sult. 160, tavr.nc.vUle, Cobb COllnt)',
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0.01'91. '03U, .nd & ..U1n9 .ddl'... of 1'7D5 '.U. M..d. ~. '160,
Law.no.vUl., Gv1M.tt county, 0.01'91& '02U-5155. Abat...nt
'l'.Clbnol091.. va. at aU I'.l.vant t1... and oontinu.. to b. 1nvolv.d
in th. ..nufactul'., tOl'aulat1on, .al. and d1.tl'1but1on Dt a.b..to.
I'..oval pl'od\lct. and h.ld 1t..U out a. h.v1nv p.zot1oulal' .xp.zotb.
in th. .....
5. Def.nd.nt co..udal Ca.ual ty In.ul'.nc. Co.pany
(h.r.in.tt.1' "COIIIIezoc1a1 Ca.ual ty") b a 0.01'91. cOl'pol'aUon,
h.vln9 it. l'e9btezo.d off1c. and pl'1no1p.l plac. ot budn... at 160
'l'.ClbnolO9Y PaI'Jtv.y, Norcl'o.., Cw1nn.tt County, 0.01'91. 30092,
cO"'l'o1.1 Ca.ualty w.. .t all r.l.vant ti... and continue. to b.
.n 1n.uranc. cOllp.ny actin9. ~n~.r 1.1J.a. a. .ur.ty for contractor..
B.
e. On 01' .bout Janu.ry 11, 1990, Plaint1tf C\Iab.rlantS
Vall.y .nt.red into . wr1tt.n A91'....nt (h.r.attel' "Atl'....nt.)
with Def.ndant H.U-le1_r.11 pUI'.uant to whioh Def.ndant H.n-
Xi_r.ll .9I'e.d to prov1de arch1t.ctural and .n91n..r1n9 ..rv1c..
for a coapreb.n.1v. a.b..to. abat...nt proj.ot to ba cOllpl.t.d
dUI'ln9 the luaaer ot 1990, .uch proj.ct id.ntiti.d .. projeot ,HIe-
512 (01-00011) (h.rain.tter th. .Proj.ct.) and .ncoapa..ift9 .1x (6)
ot Plaintiff C\Iab.r1and v.ney'. .l...ntary .choola. Azotlo1a 14 of
the A9r....nt ..t forth the ba.1. of co.pan.at10n for the
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pel'fonano. of .uv1o.. by Def.ndant Hall-X1I1bI'.11. A tl'\l. and
OOI'I'.ot oopy of the AVr....nt 1. att.ched her.to .. Exhibit NA".
7. Aaonv the a1x (') ele..ntary .choole .nco.p....d
und.1' the Pro~.ot V.I'. H1ddl..e. El...nt.ry School (h.r.1naft.1'
"Hiddl...x"), locat.d at 250 North Hiddl...x RO.d, Cal'1bl.,
CWlberl.nd County, P.nneylvania 17013 and Spol'Unv HU1 11...ntal')'
.ohool (h.r.in.ftlr "Sport1nv Hill"), looatld at 210 Sportinv Hill
Road, H.ch.n1o.burV, cuab.rl.nd County, P.nn.ylvani. 17055,
., Pur.u.nt to the AVr....nt b.tve.n Plaintiff
~.r1and Vall.y and Del.ndant Hall-Xiabr.ll, by and throuVII it.
'ro~ect Man.ver Jlannie RObinson, Defendant Ha11-Xiabrell prlpared
a compreh.n.ive a.be.to. ab.te.lnt plan for Plaintiff cuaberl~nd
Vall.y. The plan, identifi.d by Defendant HaU-X1l1brell a. Pl'o~ect
Manual A.b..to. Allata..nt (hereinaftar "'rojlct Hanu.l"), and dated
reblNal')' 13, 1"0, .et forth the rlqu1re..nt. for the Project, Th.
.roj.ct Manual .plc1f1cally incorporated the 1976 Id1t1on of AlA
Docuaent A201, Cenera1 Condition. of thl Contract for Con.truction
and ..t forth, int.~~ 1Ua, Suppl..entary Condition., detailed
dravinv. and .pecification.. A true and conect copy of the
Project Hanu.l 1. attachld her.to .. Ixhibit "a".
t. The Project Manual revaal.d a d1v1aion of \h.
Proj.ct into \hr.. (3) di.tinct packave. a. fOllow.. Pl'oject 'RK-
SUA .ncOllpa.a1ft9 'haull Ele.entary School, Hampd.n ElI..ntary
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.ohool an'Mldd1eaa. l1...n~al'Y .ohool (hel'.1naf~eI' "Mieldl....
'~o'.et")' ,~o'.et IHX-1121 .neo.pa..1nv 'ilY.~ 'p~inv El...ntal'Y
.ohool and Mon~oe 11e..ntuy 'ehool, and '~o'.et IHJC-SUC
.neo.p...inV sportin9 Hll1 School (h.r.inafter .Sportin9 Hll1
'~o'.et.),
lD, Thu.aftu, Def.ndan~ Hall-lCiJlb~.ll p~.para' and
'i.tri~uta' an Addandua to the 'roj.c~ Manual, id.ntifild ~y .ai'
Def.ndant a. Addand\IJI Ho.l (h.rdnatt.r "Addandua.) and datad Much
1, 1190, A trua and corrac~ copy of tha Add.nd\IJI 11 attachad
har.to a. Exhi~it .C",
11, On or a~out March 21, 1990, Daf.ndant 'anoco antuad
lnto writt.n contract. wlth 'laintiff CWlbarland Vall.y whara~y
Def.ndant .anoco contract.d to ..rv. a. tha 9.na~al contractor and
to furni.h all of tha .ata~lal. and p.~fora all of the ..~..to.
abata..nt work in accordanca with the .rojact Manual and
.peclflcally to co.plate wlth 9004 .atarlal. and rla.ona~l.
workaan.hip a.~..to. abat...nt a..oclat.d wlth the Mlddl...x and
lport1n9 H111 Proj.ct. fo~ the oontract prioe of on. HWldrad rorty-
rour Thou.and light Hundrad s.vanty-riv. Dollar. (S144,.'S,DO) and
li9hty-Thre. Thou.and Thr.. Hundr.d Tw.nty OO11al'l ($13,320,00)
re.p.otiv.ly, 'I'l'\Ia and corr.ot oopi.. of the r..peot1Y. contraot.
C.uoh oontraot. inoorporatint the Projaet Manual and Addandua
attached a. Exhi~it. ".. and .e.) ar. attach.d h.rato a. Exhibit
.D.,
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12, On or &!lout March 21, 1190, Detendant Co_erdal
C..ualty, in order to ..cur. the pertonanc. by Detendant ..noco ot
the ten. and oondition. in the contract toyemint the Middl..ex
Pro~eot and in .xchante tor valuabl. con.ideration paid to
Det.ndant Coaa.rcial Ca.ualty, .x.cuted and deliver.d to 'laintiff
C\laberland Valley it. ..aled and written Pertonance Bond, "'1137-
01073-D (herdnafter .Middle..x Bond.), A true and oorreot copy ot
the Middl...x Bond i. attach.d h.r.to a. Exhibit .1.,
U, On or &!lout March 21, 1990, Detendant Co_erdal
Ca.ual ty, in ord.r to ..cure the p.rtonance by Det.ndant '.noco ot
the ten. and condition. in the contract 90v.rninq the Sportinq
Hill Pro~.ct and in .xchanqe tor a valuable con.ieleration paid to
Detendant Co...rcial Ca.ualty, executed and delivered to .laintift
C\laberland Valley it. .eal.d and written Pertonanoe Bond, fPpal
37-0109'-0 (hereinatt.r .Sportinq Hill Bond"). A true and correct
copy ot the Sportint Hill Bond i. attached hereto a. Ixhibit .'.,
14, In aocordance with the tel'll. ot the oontraot lIIetw.en
Plaintiff CWlber1and Valley and Detendant ..nooo qoy.min9 the
Middl...x Pro'.ot, attaoh.d a. Ixhilllit .0., Det.ndant ..nooo wa.
authoriaed to ooaaeno. abate..nt aotivitie. on 3un. t, l,tO and
continu. .uch activiti.. throuth AU9\l.t 3, lttD,
U, In aooordano. with the tena at the tor.,oin,
contract lII.tv.en 'laintiff CUaberland Vall.y and Def.ndant 'enoco
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,ov.m1nt ~. .porUII9 HUl 'ro~.ot, aUach.d .. Exhibit "D",
Del.ndant '.nooo ",a. a\l~orh.d to co...no. oat...nt acUviU., on
Jun. 11, 1..0 and continu. .uch act1viti.. thro\lth Auqu.t 3, 1..0.
1.. Th. abat..ant activiti.. cont..plat.d pur'\lant to
~. contract b.t",.en PldnUII C\laberland van.y and Defendant
'.no~o ep.cilically tov.rnlnt the Middl...x Pro~.ct lhcl\1dad
r.aoval of approxi.ately 22,072 lquar. I..t of vlnyl aab..to. tl1.
( h.r.att.r "VAT") and .a.tlc down to the bare concrete ln n\lll.ro\l'
looatione thl'ou9hout Mlddl...x, .0.. ot the locatlon. involvint
r..oval of carp.tlnt a. ",.11.
17. Th. .bat...nt actlvltl.. cont..plat.d pur'\lant to
the contract bet",..n 'ldntiff CUllbu1and Vall.y and Def.ndant
'.noco .p.cifioa11y tov.rnint the Sportinv Hill Proj.ct inolud.d
r..oval of approxl.ately 7,37' .quar. t..t of aco\l.tlcal pla.t.r
c.l1ln9 and "'all. ln nuaaro\l' 10catione thro\ltho\lt Sportin9 Hl11
and raaoval of approd.at.ly 61' .quar. f..t of a.be.to. board
lneu1atlon in on. ar.a. Addltlona1 actlvitl.. cont..pl.ted
pureuant to the contraot incl\ld.d ruova1 of approxl.at.ly 4,"4
equare t..t of VAT an4 ...tlo down to the bar. ooncr.t. in nIlMI'OU'
location. thro\l9ho\lt Sportinv HU1, .011. of the location. lnvolYlnv
r..oval of carpetinv a' ",.11.
11. Pur.uant to the t.n. 01 the contract. b.t",..n
Def.ndant '.nooo and Plaintiff C\aabuland Vaney, Defendant '.nooo
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delivered pre-work .ubaittal. for the Mlddle..x .roject on or about
April 17, 1..0 and dellv.red pre-work .ubalttal. for the 'portln,
Hill Projeot on or about May 1', 1..D to Defendant Hall-Kiabrell,
.uah pre-work .ubalttal. lncl\ldln9 a cc.plete ..tedal. 11.t of all
it... prope..d to tHl f\lrniahed and \I.ed ln .dd 'rojecU.
1.. Pur.\lant to the teraa of the cont.ract. betw.en
Defendant ..noco and 'laintiff CUIlberland Vall.y, Defendant 'enoco
,
d.l1vered product .ub.lttal. to Defendant Hall-Xlabrell, lncludin9
product data, .aterlal laf.ty data .h.et. (hereaft.r "MSDS") or
thelr equlvalent and prOduct .a.pl...
20. Thereafter, Def.ndant 'enoco proceed.d with the
Mlddle..x and Sport1n9 Hl1l .roject..
21. At variou. t1... .ub..qu.nt to co...nce..nt of the
Middl....x and Sportln, H111 proj.ct., Defendant Hall-X1abr.ll,
Defendant 'enoco and .lalntlff CUIlberland Valley a,reed to aodity
the contract. 90vernln9 the Mlddle.ex and Sportln9 Ml11 Proj.ct.
vi. e19ht el) ..p.rat. Chan9. Ord.r.. A true and corr.ct copy of
.ald each .ald Chan,e Order 11 attached hereto collecUvely a.
IXhiblt "9".
22. Pur.uant to Chan,e Orden relaUn9 to the Middle.ex
and 'Ponl", HUl Project., attach.d a. ZXhillit "0", Detendant
"nooo reaoved .pproxi..tely ... additional .quare teet 01 carpet
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f~oa Mlddl.... and pe~fo~.d a.b..to.abat...nt of 10 l1n.a~ f..t
of pl,. 1avtln" , .udd.d jolnt Uttin,. and , vlbration jolnt
oloth., and ot app~oxl..t.1Y 6,30D .quar. te.t of VAT and .a.tlc ln
va~lou. locatlon. ln sportln; Hl11, .0.. of th~ locatlon. involvlnv
r..oval of carp.t a. w.ll.
n. Pur.uant to the afor...nt:ion.d All. General
Condltion. of the Contract for Con.truction, the contract docua.nt.
whlch con.titut. the .ntir. a;r....nt ~.tw..n D.f.ndant '.noco and
'laintiff CUB.rland Valley concern in; the 'roj.ct ar.,
coll.ctiv.ly, tho.. docua.nt. attached a. Exhibit. "a", "C", "0"
and "0" (h.r.inafter the "Contract Docua.nt.").
24. Pu~.uant to the Alr....nt b.tw..n Def.ndant Hall-
Xiabrel1 and 'laintiff ewab.rland Vall.y, Def.ndant Hall-Kiabr.ll
aonitor.d the p.rforaanc. of Def.ndant '.noco durin, the Middl..ex
and Sportin, Hill .roject. and in.pected the progr... and quality
of the on,oin, work by Def.ndant '.nocO at .aid 'roj.ct..
25. Pur.uant to the Contract Do~.nt., no portion of
tb. a.b..to. abat...nt work r.quirinl sUb.it'al., in~.r al1&, pr.-
work and produ~t .ubaittal., va. to b. coaa.nc.d until Def.ndant
Panoao'. .ub.ittal. wer. approv.d by Def.ndant Hal1-Xiabrell.
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U. '1'0 ...let in the r..ov.l 01 VA" and ...Uo at
Middle.ex and .pol1:il\9 H111, Delendant .enooO .eleotad and u\111.ed
a produot known a. Ka.tl-.01v.
27. '!'he Ka.U-.olv uUUlad by Dolendant .anoco va.
..nutactured, .old, .uppllad, dl.trlbuted or otharvl.a placad lnto
the .treaa of coaaerce, by Defandant Abata.ant "achnolotla..
21. '!'ha Ma.tl-.01v va. app11ed by Defandant .enoco in
.uob . .anner, ln .uob quantltle. and for auch 1en9tha of ti.e .0
a. to cau.e aubatantlal prop.rty d"'9a at Mldd1a.ex and .portil\9
Hill and ra.ult in .tron9 lin,arln9 and noxiou. odor. at Middl..ax
and sport in, Hl11, .uch odon genaratin9 co.p1ainu at variou.
ti... by chUdren, ta.ch.r. and adJIin1atrator. and generally
uncI.rainin9 and t..porari1y preventing the habitability ot
Midd1e..x and Sportin9 Hill,
2.. Def.ndant Ha11-Kiabrall purported to i..ue a
Certificata of Sub.tantial Coaplation for the Midd1e..x .roj.ct on
0lL' about "119\I.' 11, 11.0, and pul'ported to ie.ue eertiflcate. ot
IUb.tant1al eo.p1et10n fOI the Sportin9 Hill Projact on Auqu.t 14,
1"0 and ~uqu.t 17, 1..0.
:>>0. Detendant .enooo t.Ued to aohleve U..ly
aUbetanUa1 coapleUon of the Midd1...x and .portiJ19 Hill ,roject..
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U. On or abollt october 2, 11'0, pur'llant to thl
Contnot Ooo\&llant. and a. put of It. ,re-Requblt.. to ,1nal
Aco.ptano., Def.ndant 'enooo ..d. an .xpre.. vrltt.n Cllarant.. of
vork r.laUn9, !nhr aUa, to the work involved 1n the Middl...x
and .portln9 H111 proj.ct., provldln, .Ilch vork a. fIlarant.ed
a,ain.t d.f.ot. ln ..t.rial. and vorkaanlhip. A true and corr.ct
copy of the Cllarant.. 1. attached h.r.to .. Exhiblt "H".
32. 'ollov1nV the purported :Laluance of the certiticat..
of Sub.tanUal Co.pletion, 'laintitf CWIIbarland Valley bec... aware
of aub.tant1al detect. in the voraanahip of Del.ndant '.nooo,
whlch oau.ed 'laintitf CUIlberland Vall.y to incur .ub.tant1al
d..ave..
33. 'robl... r..ultinv fro. t~. .for...ntioned d.t.ot.
und.rain.d and .v.ntually te.porarily prev.nt.d the habitability of
Middle..x and sportinv Hill,
34. After di.covery by 'la1ntift CUab.rland Valley that
the worlalanabip at t.h. Middl..ax and sport in, Hill Project. v..
,.n.rally defective and not 1n accordanc. with the Contract
DooUII.nt., Plaintiff CUJlber1ancl Vall.y vav. writt.n notic. to
Def.netant '.noco and Def.ndant Hall-X1abr.ll,
35. De.pit.e Plaintiff Cuaberland Valley" rep.at.d
de.ancl. on Defendant 'enceo anc1 Defendant Hall-JCillbrell, .aid
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r"
b. 'a.nul'. to ad.quat.ly d.t.l'lIin. U the a.b..to.
abat...nt vOl'k at the Middl...x and Sport1nv HUl 'I'ojact
.it.. eo.plat.d by Defandant '.nooo va. pl'oc..d1nv in
aClcol'danc. with the C::ontl'aet Docll..nt.. pllr.llant to
paragraph 1.5.3 of the .\91'....nt;
e. 'a.nul'. to ad.quat.ly vuard 'laintiff C::waberland
Vall.y a,a1n.t d.t.ct. and d.fiCl1.nc1.. in the a.b..to.
abat...nt vork of Def.ndant '.noco, plll'8llant to 'aravraph
1.5.3 of the .\91'....nt'
d. 'ailur. to I'.j.ct a.b..to. abat...nt work by
Def.ndant '.noeo not in confol'llano. with the C::ontraClt
Doell..nt.. pur.uant to 'aravraph 1,5.9 of the A9r....nt;
.. Upon r.vi.w of Def.ndant ..noco I. pr.-work and
product .ub.1ttal. pUI'.uant to 'aravraph 1,5.10 ot the
AVr....nt. Def.ndant Hall-JCillbra11'. taUur. to taka
appropriate action to .n.llr. the II.. of non-def.ct1v.
a.ba.to. r..oval product. in the Middl...x and Sporting
HUl 'roj.ct.;
t. Failul'. to .tf.Cltiv.ly .onitol' Def.ndant '.noco'.
vork perfo....nc. durinv tn. Middl...x and Sporting Hill
'roj.ct., pur.uant to 'ara9raph 16,1,1, of the A9re...nt;
g. 'ailur. to ad.quat.ly d..ign the .ubj.ct
a.ba.to. abat...nt 'roj.ct;
h. 'ai1ur. to ad.quat.ly provide .n9in..l'in9
..rvic.. for the .ubj.ct a.b..to. abat...nt .roj.ct, and
i. Oth.l'Vi.. failin9 to provide ..rvic.. and fulfill
1'..pon.ibUiti.. pursuant to tn. .,.cU1c t.raa and
eoncUtion. of the A9......nt a. 1101'8 .p.cifically ..t
forth in the A9r....nt. and it. ottl.1' 1.9a1 and
prof...iona1 r..pon.ibiliti...
U. 'laintiff CWIb.l'lan4 Vall.y fulfilled all of it.
Ob1i9ation. and r..pon.ibi1iti.. pul'.uant to the Agr....nt,
42. A. a dir.ct and prox1.at. r..u1t,of Def.ndant Hal1-
lillbl'.l1'. bl'.aClh ot the -'9r....nt, ,laintiff CWIb.rland Vall.y h..
and will ineur .igniticant d"'9.. and 10...., a. afor...ntion.d,
in .xe... of T.n Thou.and Dollar. ($10,000,00).
- 14 -
.
.
~
,...,
4.. .,.oifioally, Def.ndant ..nooo .at.rially b~.aoh.d
~. ~.ra. of ~I Contract Dooua.nt., 1nolu41n9 It. 1.pl1.d dut1..,
in thl followln, .ann.rla
a. 'al1url to ad.quat.ly fa.111ar1l. it..lf with
~. ..tubl. to 1M r..ov.d in t.b. Middl.... and .ponin,
H111 'ro~IOtl, purluant to 'lot1on 00100-3, .ar.,raph
1,5.1 of the 'I'O'lct ManuIll
b. 'aUurl to oo.pl.tl t.b. Middle... and .pon1n9
H111 'I'ojlot. in a rl..onabll, ooapet.nt, pl'opar and
workaanl1kl .Innlr Ixplot.d of a 'Inlral oontractor ln
thl co..unity and t.bl oon.truction indu.try;
o. 'allurl to proaptly rl..dy all d..a,. or 10..
to .chool proplny o.u..d 1n wholl or ln pan by
Deflndant 'Inoeo, it. .ubeontr.ctor. or anyonl dlrectly
or indirlctly ..ploYld by .aid Deflndant, pur.uant to
Para,raph 6,2.4 of t.bl AlA Olneral Conditlon. for t.bl
Contract tor Con.truction Ind Slctlon 00800-4, 'ara,raph
10.2.5 ot t.bl pro~lct Manual.
d. laployalnt of unfit peraon. or Plraon. not
.killld 1n thl ta.k. 1..19nld Ind techniqu.. rlquired in
t.b. Mlddll'.. and spon1ng Hll1 'ro,ect., pUl'auant to
Slction 01010-', Plra,raph 1. 1.4,' of the proj ICt Manual:
I. 'al1u~1 to .uparv1.1 the activiti.. of ev.ry
pha.. of t.bl I.b..to. abate..nt work takin, pllcl on thl
Mlddll.IX and Sponlng Hill Pro~eet. in conjunction with
the architlct/ln91nel~" on-.ltl rapre.lntativl, purauant
to Slction 01041-1, Para9raph 1,3.1.2 of t.bl Project
Manual,
t. 'ailurl to anaure ooapllanoe of thl .a.pl..,
..te..1Il., and lqu1paent wit.b thl 'I'O~.ot "anuIl',
.paoiflcation. and to In.ure theb .lI1ta"l11ty tor U'I ln
the o~plltl pertoraanc. ot t.be Kiddl.... and Sponln,
H111 PrO'lot., pur.uant to SIot10n 01300-5, Para9raph
3.3.1 ot the 'I'O'ICt Manual,
t. 'allurl to providl only.atlrial. and equlpent
t.bat were 1'.00ln1l1d a. "ain, .uiUlIle for thaiI' lntlndld
u.e, pur."ant to 'Ictlon 01510-1, Paragraph 2.1,1 of t.he
'I'o,eot. Manuall
h. 'al1ul'I to coaplet. the a.beato. abate..nt .0
a. to ..kl M1ddle'lx and sport.ing Ml11 habitable and fit
tor thelr 1ntendld u.. by ,la1ntiff cu.be~land Valley:
. 1. -
I
~
f",
oon,..ln.n'. andIo~ .ddlUya. whlch I'.nduad l'
un8~l~la ln oO~I'.a of It. fo~a.a..bla U..f
'>>. Det.o' in the ~.Un..an' ot Maa'1-.01Y .deln,
tl'_ . '.11\&1'. to ..aMya .WI.to.no.. ln \h. 'I'oduot vhlch
1010\114 o.~.. 01' oontdb~t. '0 atdn1", .nd/Ol' l..y. ·
.'I'ont 11n,.l'ln, .nd nox10~. odol' .tt.1' .ppllo.tlon ot
the product'
o. Det.o' ln the t..'1n, ot 1Ca.'l-.olY .riel",
fl'_ . '.11~1'. too d.t.ot the 'I'...no. ot .WI.t.noe. 1n
th. 'I'od~ct whlch would o.~.. 01' oontr1but. to .t.1ni",
.ndlo~ l..y. . .\1'0'" 11n'.1'1n9 .nd noxiou. odol' att.1'
.ppUcaUon ot \h. pl'odUO\l
d. lAck of ad.qu.t. v.min9. r.,arcUn9 th.
tor....abl. u.. ot M..t1-.01Y ln th. ..ba.to. ab.,...nt
vork at \h. M1ddl...x and sportln, H111 proj.ct.,
a. lAck ot ad.quaU varnln9. I'.,ardi", th. .tI'O",
11",.l'in9 and noxlou. odor tollov1n9 th. tOI'....abl. u..
ot Ma.tl-.01v 1n th. a.b..to. .b.t...nt work at the
M1ddl...X and Sport1nq Hill proj.ct., and
t. lAck ot ad.qu.t. pr.cautlon., In.tl'\lctlon., 01'
v.l'ni"9., .ddr....d to \1..1'. .nd oon.ua.l'. ot M..ti-.olv
r.,ardln9 it. .at. u.. .nd/ol' \h. n..d for po.t-
appHc.tion pr.cautlon.ry ....ur.. includlnq but not
11.1t.d to r..pir.tory prot.ction and v.nti1atlon,
53. Th. product Ma.tl-.01v va. ln .uch d.t.ctlv.
oonditlon .t the tl.. lt l.tt the control ot Det.nd.nt Abat...nt
T.o!\nolOV1.., vith no .WI.tantlal ohan,. ln \h. con41tlon ot the
pl'oduot OOO\ll'l'ln, bafor. It va. for....ably u..d ln \h. a.ba.to.
abat...nt VOI'~ at the Mlddl...X and sportln9 H111 Proj.ct..
14. Th. afol'...ntlon.4 4.f.ot. ln the 'I'oduct Ma.ti-
.01Y, val'. . .WI.'anUal faotor 1n cau.1", pldnt1ff C\Plbarhnd
Val lay to .~ff.1' the ator...nt10n.4 da..,.. and ha~.
- 11 -
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~
II. At alll'.l.vant tl..., Def.ndant HaU-JU,ur.U .ad.
.xpl'." witt..n and i.pU.d waZ'l'anU,.., a. ..t fol't.b below, t.o
'laint.iff cuab.Z'land Vall.y wit.b I'.,al'd t.o the pl'ovi.ion of .aid
.uvic.. encoapa.dn, t.b. Middl...x and .poZ't.1n, HUl Pro~ect..,
Jcnowin, the purpo... tor whicb it.. '.l"'Iic.. wu. t.o b. u.ed by
Plaint.ift cuab.Z'land valley and knowln9 that. plaint.ltt CUabll'land
Vall.y would I'.ly on Def.ndant. Hall-~lul'ell'. .kill and jud...nt.
in pl'ovidl"9 .u~h ..rvle...
". In partlcular, Def.ndant. Hall-JCillbr.ll ..d. an
..pr... wlt.t.n I'.pl'...ntatlon pur.uant. t.o Para,raph 1.5.3 ot the
A'r....nt. wlth t.be Plaintlff cuab.rland Vall.y, attach.d II Exhibit
MAM, t.hat lt would .nd.avor to qua I'd Plalntlff C\lab'l'land Vall.y
a,aln.t d.t.ct. and daficiencl.. ln the a.be.to. abat...nt work ot
Defendant. "noeo.
60, At. all rel.vant tl..., Defendant Hall-Xlabrell al.o
provided Plalntlff Cumb.rland v~11ey wit.b i.plled warrantle.
r.,ardin, .ald .ervlee. of t.be d..l,n and con.truction of a.b..to.
abat...nt. work at Mlddle.ex and .porti"9 Hl11, lncludl"9 but not
U.ited t.o an I.pU.d Warranty of HabitablUt.y, an %.pU.d Warranty
of Rea.on~ble Workaan.blp, an I.pli.d Warranty of Merchantabillty,
and an I.pli.d Warranty of ,1tn... tor a Particular P\lrpo.e.
n. PlaintUf
for.,oi"9 .xpr... and
cuab.rland Vall.y r.U.d upon
i.plied warrantl.. 1n contract in,
1:h.
wlth
- 21 -
"....,
tj
would ~alY on Defandant panoco'. .kl11 and j~dvaant ln p~oYldln9
.~cb .arvlc..,
61. In partlC\lla~. Def.ndant panoCo .a.sa an axp~a..
wdtteJ\ w.nanty ln secdon 4.5.1 of tha AlA Ganal'al con41tion. for
tha contract for con.t~ctlcn .. folloW.'
Tha contractor warrant. to tha ownal' and tha A~chl~act
~hat all ..tarlal. and a~lpaant f~rnl.had undal' thl.
con~r.ct w111 "a naW ~nla.. oth.rwl.. .pacif1ad, and ~h.t
~t'i~;: ';::.!;':':';€Yi.:r&}:~~I:~:~:~:EP:.~
~~ :~~;id;;.d d~f.e~iv., Thil warranty 1. not li.itad by
tha provilion. of paragraph 13.a (a~ph..l. .ddad).
,to sactlon 13,2 of the AlA canaral condltlonG for ~ha
contr.ct for con.t~ctlon prov1d.', l~~.r J11l, a. folloW.1
13.2 CQUZC'l'1Olf or woJUC
13,2.2 1f. within ona ya.1' aftar tha Dat. of .~.t.ntial
coaplatlon of tha work"..ny of tha work 1. fo~nd to "a
dafactlva 01' not 1n accordanc. w1th tha contract
1)O~t., tha cont~actor .hall proaptlY aftar raoalp~ of
a writ.tan n~lca fr01l the owner to 40 .0... .Thl.
~UlJat.lon .haU .~rvlva teralnatlon of tha contract..
'l'ha ownar .haU ,1va .~ch notlca proaptlY attar 4l.covary
of t.ha condltlon,
, . .
'70. A44ldonally, Defandant panoco. .a4a an expra..
writtan G~.l'antaa of work. attach.d a. Exhibit -H -, 9Ual'ant..inlJ
tha work a..oolata4 with the Hiddla.ax and sportlng Hill Projact.
t.o be fra. fr01l 4af.ctlya ..tar1al. and workaan.hlp.
- 24 -
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~
71. At all ~.l.vant ti.... Def.ndant '.noco al.o
p~OYided plaintiff cuab.~land Vall.y with i.pli.d wa~rantl..
r..ardin, th. a.b..to. abat...nt wo~k at Middl...x and Sportln,
Hill, includin, but not li.it.d to an I.pli.d Warranty of
Habitability. an I.plied Warranty of Raa.onabl. Worlcaan.hip. an
I.pli.d Wa~ranty of M.rchantability. and an I.pli.d Warranty of
Pltn... for a 'articular Purpo...
72. 'laintiff CWlberland Vall.y reU.d upon tbe
101'1,oin9 .xpl'." and i.pUed warranU.. in contractin9 with
Def.ndant .enoco and in allowin, Def.ndant .enoco to perfon
a.be.to. abatl..nt wOl'k at Middle..x and Sportinq Hill,
13 . Defendant '.noco br.acbad tha for.e,oin, .xpre.. -and
i.plied warrantie. by fallin, to utilil. .uitabl. a.be.to.
abat...nt pl'oduct. and t.chniqu.. whicb would not cau.. property
d."ge and l.av. .tronq lin,erin, and noxlou. odor., and by failin9
to pre..nt to 'laintiff cuaberland Valley Middle..x and Sportlnq
Hill a. habitable to tbe public followin, the a.b..to. abate..nt
wOl'k.
. 74. A. a dire~ and proxiute r..ult of Det.ndant
'.noco'. breach ot the tore901n9 expra.. and i.plled warranti..,
'laintift C'uaberllnd Valley hu and will .u.t.in d..a9.. and 10....
in an a.ount in ex c... ot Ten Thou.and Dollar. ($10.000,00) in
re..diation ettort. at Middle.ex .nd Sportlng Hill.
- 25 -
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r'i
." .0
'I. In It. noraal u.. the product Ha.ti-Iolv wa.
d.t.ctlv., a. stat.d pr.vlou.1Y h.r.ln, .ucb produot oontalnin9
d.l.t.dous and noxlou. .~.tanc.. known to Det.ndant Abat...nt
T.ohnol09i.. to b. d.f.ctiv. and haratul to hwaane .xpo..d th.l'eto,
.uch pl'oduct not .ultable 01' tit tor the purpo... and u... tOI'
wh1ch .ald product wa. int.nd.d.
". At all rel.vant ti.e., .the purcha..r. and u..re of
the product Ha.ti-Solv for u.. 1n the Middl...X and Sportin9 Hill
Proj.ct. r.lied upon the for.90in9 expr... and i.plied warrant i..
of D.f.ndant Alb..to. Abate.ent.
80. The defective condition. of the product Ha.ti-.olv,
a. .tat.d previou.ly herein, cOllpd..d aaterial br.ach.s of -the
.xpr... and implied warrant i.. by Defendant Abate..nt T.chnol09i...
11. A. a d!rect and. pi'ox1aate r..ul t of Defendant
Abat...nt Techno1091e.' breach of the fOl'l901n9 .xpr... and bpl1ed
varranUes, plaintiff CUaberland Vaney has and vill .u.tain
da"9.. and 10.... in an amount in .xc... of T.n Thou.and Dollars
($10,000.OD).
WHEREPORE, Plaintiff cumberland Valley d..andl judv-ent
in its favor and a9ain.t Defendant Abat...nt Technol09i.. tor an
allO\lnt in exc... of Ten Thou.and Dollar. (UO, 000. DO) includift9
int.re.t and co.t..
- 27 -
.1"',
o
... The o.i..ion., ne,li,ence and carele..ne.. by
Defendant Hall-Xiabrell in the provi.ion of the .ubject .ervice.
constituted unfair .ethod. of co.petition and unfair or deceptive
practice. or act. within the .eanin, of Section 2Dl-2(4) VII, XXV,
XVI and XVU of the Unfair Trade PracUc.. Act and con.uer
Protection LaW. 13 P.S. 201-1 et .eq.
". Under 13 P.S. section 201-'.2, thi. Honorable Court
i. .tatutorily e.powered to impo.. treble daaa,.. upon Def.ndant
Hall-Xiabr.ll.
... Aa a dir.ct and proxi.at. re.ult of the violation.
by Def.ndant Hall-Xiabr.ll of the ,.nn.ylvania Unfair Trade
practice. Act by Def.ndant'. u.e and ..ploya.nt of unfair ..thod.
of coap.tition and unfair d.C.ptiv. act. or practic.., plaintiff
cumberland Va11.y ha. .uff.r.d a.c.rtainab1. loss.. and daaa9.. in
.xc... of T.n Thou.and Dollar. ($10,000,00),
WHEUFORI, pur.uant to the ra..di.. provid.d in tha
"M.ylvania Unfair Trad. pracUe.. Act and Con.uar prot.ction
Lav, Plaintiff C\Iab.r1and Vall.y d..and. judvaant in it. favor and
a,ain.t Def.ndant Ha11-X1abr.11 for an amount total in, thr.. ti...
plaintiff'. actual da..,.., r.a.onab1. attorn.y'. f... an~ co.t.
and inter..t for an a.ount in .xe... of T.ri Thou.and Dollar.
(t10,DOO,OO).
- 2t -
,
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below that expeoted b1 Plalntlff O~.~l.nd Valle1 pu~.uant to the
Cont~aot Doouaent. wlth .ald Defendant.
'3. The 0.1..10n., ne911gence and ca~ele..ne.. by
Def.ndant '.noeo ln the provbion of the .w>>~eot a.be.to. abat...nt
oon.titut.d unfair ..thQd. of co.petltlon and unfai~ or d.ceptlve
praotio.. or act. withln the .eanln9 of Seotion 201-2(4) VII, XIV,
XVI and XVII of the Unfalr Trade Practio.. Aot and Con.a.r
'rot.otion Law, 73 P.'. 201-1 et ..q.
'4, Und.r 73 P,5, S.ction 201-1,2, thl. Honorabl. Court
1. .tatutorlly ..powar.d to 1.po.. trebl. da.a,.. upon Def.ndant
'.noeo.
'5. A. a direot and proxi.ate r..ult of the violation.
by Def.ndant '.noeo of the '.nn.ylvanla Unfai~ Trad. 'raotic.. Aot
by Def.ndant'. u.. and e.ploya.nt of untal~ .ethod. of co.petition
and unfa1~ deo.ptive aot. or practice., 'laintiff Cumb.rland Vall.y
he. .utt.red a.certa1nlble 10.... and da..g.. ln .xc... of T.n
Thou.and Dollar. ('10,OOO.OD).
'WIIIRZrOJII, pur.uant to the r...dle. p~OYid.d ln the
P.N\.ylvanla Unfair Trad. Practic.. Act and Con.u..~ 'rot.oUon
taw I Plaintlff Cumb.rland Vall.y d..and. jUdqa.nt ln it. favor and
a9aln.t Defendant "noeo for an a.ount total1f\9 thr.e U...
Plalntiff'. aotual da..,.., r.a.onabl. attorn.y'. f... and co.t.
- 31 -
.
~
r-,
. a. ,dUnt to hi..., ..ploy and a.CN". ooap.'.n'
and p..ope..ly t..ain.d pe...on. who oould prov1d. thorou9h
and appl'Opl'1at. infol'lMUon and .tudi.. to plan and
oon.tzouot, .onitor, .up.rvi.. an4 prop.rly ov...... th.
Middl.a.. an4 .port1n9 Hill ...oj.ot.,
b. ,a1l1n9 to p..ope..ly d..19n and con.tzouct th.
Middl...x and 'porUnv HUl proj.ct. in a r.a.onabl.,
coapet.nt, propel' an4 vorasnlilc. "M.r .xp.ot.d of an
archit.ot/.nvine... in the co.-unity and in the a.b..to.
abat...nt in4u.try,
o. ,dl1nt to properly ded9n and con.tzouot the
.roj.ot .0 a. to r.quir. the prov1.10n and ut1li.ation of
propel' a.b..to. abat..ent t.chn1qu.. and .uitab1.
a.b..to. r..oval pr04uot. .0 a. to .n.ur. that Midd1...x
and Sportin9 Hill would b. fr.. ot all d.t.ot., ino1ud1n9
prop.rty da.av. and .tronv 11n9.r1n9 and nox1ou. odor.
that und.l"Idn.d and ta.porarJ.1y pr.vented their
hab:l.tabUity,
d. Ina4equate review an4 1IIprop.r approval of
Def.ndant '.noool. pr.-worle and product .ub.itta1.
.p.cit1cally with re9&rd to the product M&.t1-.01v:
.. I.proper approval of the u.e of the product
"'.ti-.olv by Det.ndant '.nooo in the M1ddl...x and
SportinV Hill 'roj.ct., 9iv.n the 1nt.nd.d u.. of the
facU1tia.,
t. "aUur. to r.c09n1l. and appr.ciate the d.teot.
of the produot Ha.U-.o1v 1no1udJ.n9, inter al1&, the
product'. .tron9 11n9.r1n9 and noxiou. odor po.t-
appUcaUonl
9. Approv.l of the u.. by Def.ndant '.noco of an
un.uit.bl. produot, Ma.U-.olv, 1n the M1dd1.... and
'port1ng Hill Proj.ct., .uoh u.. oau.1", d.t.ot.
inclul\lin9, int.1' &U.a, pl'Op.rty da.a9. a"d a .tron9
11ng.ring and noxloua odor, .uch d.t.ct. undera1ning a"d
t..porarily prev.ntJ.nV the habitabJ.1J.ty ot MJ.dd1.... and
'porUnV HUl,
h. "&1U", to properly aonUor, .upel'Y1&. and
ov.ra.. the Middl.... and Iport1n9 HUl Project. in a
rea.onul., coapet.nt, proper and worlcaa"UIc. ..nn.r
..peot" ot an archit.ot/.",1n.er in the co..unity and
the a.ba.to. abit..ant induatryl
i. ,&1U", to properly ao"itor, .uperv1&a anet
ov.r... the Nieldl.... and 'porU"9 HUl 'ro,.ot. to
an.ul'. OOllpliance with the Contract Docu.ant.,
- 33 -
.
1""'\
,
tf*'tt
,. 'dUn9 to pl'op.l'1y .onitol', .upervll. and
ovu... the Middl...X and Spol'Un9 H111 proj.ct. .0 a. to
.n.Ur. that Def.ndant P.noco utili..d proper ub..to.
abat...nt t.Chniqu.. and .uitabl. a.b..to. r.aoval
product. in coapl.tint th. proj.ct.,
k. 'aUln9 to pl'op.l'1y .onltol', .up.rvll. and
ov.r... the Mlddle..x and Sportln9 H11l Project. .0 a. to
.n.Ure that Mlddl...X and .portin9 HUl would b. rand.r.d
habitable and fit for ~.lr int.nd.d u.e by the Plalntiff
CWIb.rland van.y aft.1' coaplet1on of t.h. abata..nt wOl'k:
1. 'al11n9 to aake adequat. vl.it. to th.
Mlddl...x an4 Sportin9 Hill Proj.ct dt.. .0 a. to r...in
,aailial' vith the pr09I'e.. and quality of the vork don.
by Defendant Penoco and to deterain. in gener.l if the
vork va. proc.edin9 in accordanc. vith the Contract
DocI.III.nt. ,
.. FaU1n9 to propuly In.p.ct the vOl'k cOllplet.d
in tbe Middl..ex Pl'oj.ot and Sponin, Hill Pro:lecu .0 ..
to ensure that the vork wa. complet.d in a wor~anlik.
..nn.r .0 a. to I'.nder Middle.ex and SportJ.n9 H111
huitable and fit for their int.nd6ld 1,1.. by Plaintiff
C\l1IIb.rland Vall.y att.r compl.tion of the abate.ent work:
n. I..uanc. of a C.rtiflcat. for paym.nt, .uch
C.rtificat. con.titutin, a I'.pr..ent.tion by Def.nd.nt
H.ll-J(iabreU to PldnUff C\llIIber1and Valley th.t t.h.
quality of ~. ..b..to. abat...nt worle by Defendant
'.noco va. ln accordanc. vit.h the Contr.ct Docu..nt.:
o. 'al11n, to take the n.c....J'Y action. and .t.p.
to pl'oaptly, ti..ly .nd pl'op.l'ly a.end and corl'.ct
d.'.ct. in the Middl.... and sportin9 Hill proj.ct ..
tb.y al'o.. and .ft.r Plaintiff Cuab.rland Vall.y
di.cov.r.d and notifi.d Def.ndant Hal1-Xiabr.ll of .aid
d.f.ct., and
p. oth.rwis. taUlnt to provide ..rvic.. and
IUllill r..pon.ibiliti.s pur.uant to the .pecific tera.
and condition. 01 iu A9r....nt vlth Plaintiff C\IIIIb.rland
van.y.
.t. A. a dir.ct and proxi..te re.ult.of Defendant Hall-
JeiJlbraU '. neg11gence, c.r.l..sne.. and r.ckle..ne.., Pl.intifl
cu.b.l'land Valley b.. and vill .ulf.r ext.n.ive da..,.. and 10....
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"....,
a,aney, bl'..ched lt8 duU.. owln9 to plaintiff C\Iab'l'hnd vaU.y by
.ln9 n.,U,.nt, 0....1... and l'.ck1l" ln .ach of the foUowln9
pal'U~uhl'.1
a. ral11n, to ad.quat.ly fa.l11aI'1.. It..lf wlth
the ..t'l'lal. to . l'eaoY.d ln the 'I'O,.ot,
b. rl1111\9 to b1l'., ..ploy and ..enal" oOllPltent
and qualifi.d pel"on. to p'l'ton tb. aotual a.b..to.
a"at...nt ln the Mlddl.... and sportln9 Ml11 'I'O,.ct.,
c. rai11n9 to co.pl.t. the Mlddl.... and 8pozotlft9
HUl Proj.ctl ln a I'.a.onable, co.p.t.nt, PI'Op,1' and
wOl'kaanllk. .ann.1' .xp.ct.d ot a9ln.ral contl'actor ln
the co..unlty and a...to. abatl..nt ln4\l.try,
d. 'al1ln9 to co.pl.t. the Mlddl.... and Sportln9
Hl11 .roj.otl ln a way that would I'.nd.r the Mlddl...x
and Spordng H111 .chool. hablubl. and fit tOI' th.lr
lnt.nd.d u.. by the 'lalntltt cwaD.rland Vall.y:
I. Ut11haUon ot 1.prop.r allb..tol abat...nt
t.obnlqu.1 ln co.pl.tln9 tb. Mlddl.... and sportln9 Hl1l
'rojlot., l\lob t.chnlqul. oa\l.lft9 d.t,c'l at Mlddl....
and Sportln9 Hl11, lncludln9 prop.rty 4a"ge and Itroft9
111191r1ft9 and noxlou. oeSor. tbat undenlnld and
t..porarl1y prlvlntld the habltabl1lty of Mlddll". and
Sportll19 H11l:
t. Utl1l.atlon ot an un.ultabl. a.b.lto. r..oval
pl'oduct, MaIU-Iolv, ln co.pl.tln9 the Mlddll.l. and
Sportln9 Hl11 projlct. thlrlby oau.lft9 dltlct. at
Mlddll.lx and Sport1n9 Hl11, lncludll19 property da.age
and Itroft9 l1ft9lrln9 and no.loul odor. tha' und.nlnld
and t..porarl1y prlvlntld habltabll1ty,
,. lnolullon of an un.ultabl.produot, Maltl-,olv
ln ltl pr.-work and produot .ubll1ttala to Defendant Hall-
Je18rlll ,
. b, I.proper approval ot the u.. of thl prod\lot
Ma.tl-.01v ln the Mlddl.... and 8portlft9 Hl11 Proj.ctl,
91vln the lnt.ndld ua. ot thl taol11tll"
1. ra11ur. to I'loOCJnl.. and apprlo18t. the det.ot.
ot the produot MaaU-.olv lncludl"9, {..tar aUa, the
produot'_ .tro"9 1111911'1"9 and noxlou. odor POlt-
application'
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"-,.
lOll. Def.nd.nt
Ab.t...nt
'l.ctlnoloVl.. ,
..
the
..nuf.ctur.~, fo~ul.to~, ..ll.r .nd dl.t~lbuto~ ot ..b..to.
ruov.l p~odllct., lncludlnv the p~odu" M..U-.olv, to~ u.. ln
lndu.trl.1 ..ttll\9' ow." . duty to the for.....bl. U"I'I .nd
ccn.yae~. of It. product..
10.. Det..ndant Ab.t....nt. 'l.cbnolOV1.., by and tholl9h it.
dilly .utho~h.d .v.nt,., ..nant., ..ploy... .nd/or p.l'lonn.l aU of
who. .ct.d at all ..tarlal tl... ln the COIl~'. and ,cop. of th.ir
..ploya.nt av.ney, br.ach.d It. duty owlnv to Plaintlff CUmb.rland
VaU.y a. . for....abl. u..r/con.WI.r of It. product., parUcularly
the produot Ma.tl-.01v, by beinv n.vllv.nt, car.l... and r.ckl...
In .ach of the followinv p.rticulara:
a. F.llllra to ld.ntify, pr.v.nt and/ol' .11.inat.
the pre..nc. of cont..inant. .nd/or additiv.. which
or.atad o~ .nhanc.d the .taininv cau..eS by .nd the .tron9
Uft9.dnv and nodou. oeSor a..oclat.d with the
application of the product Ma.ti-.olv:
b. F.11ur. to .uttichntly warn I'Ivard1n9 the
tor.....bl. u.. of the product M.ati-aolv in the
Middl..ax and Sport1nv Hill proj.ct.:
o. Fa11ur. to .uttioi.ntly warn ot the .tl'onv
11nV.l'ill9 an4 noxiO\l. odor toUowinv the tor....ul.
u.av. .nd applicaUon ot the product Ma.ti-.olv in
a.be.toa uat...nt pro,.ot.,
.d. Fa11ur. to .uttlci.ntly t..t the produot Ma.U-
.01v to d.t.ot the pre..no. of .Ub.tanc.. in the product
Which would cau.. or contribut. to .ta1n1n9 .00/01' l.av.
a .tronv lil\9.rin9 and noxiou. odor .ft.r tor.....bl.
.pplication of the productr
.0 F.Uur. to pl'cnI1d. .d.quat. pr.c.ution.,
In.truotlon. 01' v.J'llinv., .ddr....d to u..r. ot the
product M..tl-.olY uv.rdinv ita ..ta u.. and/or the n..d
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111. Und.~ the t.~ of the Middl...x Iond, .ttach.d a.
Ixhibit -.-, Def.ndant. Panoco and co.a.~cial C..u.lty did -bind
th....lv.., th.l~ h.l~., .x.cuto~., adainl.t~.to~., .uee..aora and
...1vn., jointlY and ..va~.lly- to Pl.1ntlff CUab.~l.nd Val1ay for
the p.~foraanc. of the contract Docua.nt. ~elatlnv .p.clfic.lly to
the Middl.a.x .roj.ct.
111. Th. Mlddl...x Bond turth.~ provld..,
Whan.v.r (..noco] ah.ll be, and daclared by ovne~ to be
ln default Wldar ua contract, the OWnar hav1ng p.rtol'llad
ovna~l. ob11gat10na th.r.",ndar, (co_e~cl.1 Ca.ualty] .ay
prOMptly r...dy the d.tault, or .h.ll p~o.ptly
1) co.pl.t. the Contr.ct ln .ccord.nc. vith it. t'l'lIa
.nd condition., or
2) Obt.in . bld or bld. for coaplating the Cont~.ct 1n
accord.nc. with lta t.raa .nd conditlon.....nd arr.ng'
for a contract batw..n a\lch bidd.r and (C\IIUl.rland
V.ll.y] .nd .ak. .vailabl. .. Work
progr.........\Itflcl.nt tWlda to pay the oo.t of
cOMpl.tion 1... the balanc. ot the contr.ct prlc..."
117. Defandant '.nooo faUad to fulflll the tara. and
condltlon. of tha Contr.ct Docuaanta ralatln, .paclfically to tha
Mlddla.,x .rojeot, vharaby .lalntltf C\IIUla~l.nd Valley va. ca\l,ad
vr.at d.lay and da..,e .nd va. forcad to and dld axpend l.rga .ua.
of IIOn.y ln vork, labor, .nd ..rvlc.. cOllpleting the Middle.ex
Proj ect. '
111. Dafendant Coaaerolal Ca.uaUy,
notiU.d of tha 4efault of Dafand.nt 'anoco,
undertake the cOllplatlon of the Mlddla,.x Pro'ect.
.11:houth duly
dld not iuaU
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121. Under ~b. ~Ina of tbl .ponin9 Hl11 Iond, attacb.d
a. Ixhlblt -'-, Def.ndant. P.noeo and coaa.rc1a1 c..ua1ty oSld
-jointly and ,Iv.rally, blnd th....1v.., th.lr b.lr., .x.cutor.,
a4alnl.~rator., .ucc...or. and a.81,n.- to Pl81nt1tt CWlber1and
Van.y for the p.rlonancl of the Contract DoCWI.nt. rl1at11\9
.paclflca11y to th. .ponln, Hl11 proj.ct.
123. Paravrapb .1x (') of the sponln, Hl11 Bond furth.r
provld..1
To tb. 11_1t of the ..ount of thb Iond, but .ubj.ct
to co_lt..nt by the OWn. I' of th. Balanc. of the Contract
prlc. to .1tl,atlon of co.t. and da..v.. on the
Con.tructlon Contract, ~e Surety 1. ob119ated wlthout
dupl1catlon tor:
'.1. The r..pona1bl11U.. of tn.
Contractor tor correctlon of defectlve woric
and coapl.tlon of the Con.tructlon Contractl
6,2. Addltlonal 1.,al, d.d,n
prof...lonal and delay co.t. r..ultln, froa
the Contractor'. Default, and r,.ultln, fro.
the actlon. 01' taUure to act of ttoe sur.ty
under para,raph 41 and
6,3. l.lquldated da..,e. J 01' if no
11quldated da..ve. are .peclI1.d ln the
con.truot1on Contract, act\lal da.a,.. ca\l.ed
by delay.d pertoraance or non-perfonance of
the Contra~or.
124. Def.ndant "noco taUI. to 1\111111 the te.... and
COndition. of th. Contract Docua.nt. relatin, .paciflcally to tbe
'ponin9 HUl P1'oject, wh.reby plaintiff cuaberland Vallay w..
oa\l.ed 9reat delay and da.a,e and w.. torc.d to and cUd expend
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17011. 'lalntlff ~.~land Vall.y va. at all ~.l.vant t1... and
COI\Unll.. 1:0 1M involved in 1:h. p~ov1elon of .l...nury .nd
..condary .ducation.
2. Def.ndant Kall-JC1I1br.llllnvironaantal ..rvlc.., Ino.
(h.~.1naf1:.r "Kall-Kll1br.ll") 1e a corpol'a1:10n be11eved 1:0 b.
1ncorpol'at.d ln Delavar. and ~.91.t.l'.d 1:0 do bu. In... 1n
,.nn.ylvanla, hav1n9 . re91at.l'.d offlc. of '!SO poplar Stl'..t,
,ltt.bul'9h, Alla9h.ny County, ,.nn.ylvanla 15220 and a uU1n9
addr... of 4140 w..t 15th stl'..t, Lavr.nc., DoU91a. County, K.n.a.
66041. Def.ndant H.U-JClabr.ll ",a. at all I'.l.vant U... and
continu.. to b. a provid.1' of arch1t.ctu~al and .n91n..r1n9
..rvlc.. for a.b..to. abat...nt and h.ld It..U out a. haYll19
particular .xp.rtl.. ln .ald fl.1d.
3. Def.ndant '.noco, Ino. (h.r.inaft.r "'.nooo") 1. a
,.nn.ylyanla oorpol'atlon h.yln, it. p~in01pal pl'o. of bu.ln... at
274. W..1: Coll.". Av.nu., St.t. Coll.,., C.n1:r. County,
..nn.ylvani. U'01. Del.nd.nt ..nooo va. a1: aU I'.l.yant tl... and
oonUnu.. to b. a ,.n.ral contr.oto~ lnyolYa4 1n the bu.in...,
ift~.r 111a, ot a.be.to. ab.t...nt and h.ld It..lf out .. h.vlng
p.rticul.~ .xperti.. in .aid bu.1n..~.
, .
... Det.nd.nta Ab.t...nt T.ChnolCl91e., Inc. (h....in.fter
"Ab.t...n1: T.ohnOl041..") i. . oorpor.tion beli.ved 1:0 be
1noorpol'.1:ed in a.oI'91., h.vi", it. pl'inoipal plaoe of "line.1 at
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17DI ..U ....d. coun, 'ult. 110, I.awl'.no.vUl., Cobb Count)',
a.ol'91a 30243, and a ..111n9 .ddr... of 17D5 ..11. ....d. Ct. '160,
I.awl'.no.vlU., awlnn.tt Count)', a.oI'91. 302U-5155. Abat...nt
.,.ohnol091.. w.. at .U I'd.v.nt ti... and oontinu.. to b. involv.d
ln tha ..nuf.otur., fozoaul.tlon, ..1. .nd dl.trlbutlon of a.b..to.
l'aIIOYal pl'ocluot. and h.ld It..U out a. havlft9 partloul&1' .xpartb.
ln the .....
5. Def.ndant Co...rolal Ca.ual t)' In.urano. co.p.n)'
(h.r.ln.ft.r "Co...robl C..u.lt)'") 18 a O.ol'q1& oorporat10n,
h.vir\9 it. r.,i.t....d otUo. .nd pl'1noipal plao. at bu.1n... at leO
".ohnolO9Y ParJcwa)', Mororo.., Gwinn.tt County, 0.01"91a 30092.
Co...roial Ca.ualt)' w.. at all r.l.vant tl... and continu.. to b.
an 1n.uranc. co.p.n)' .otinq, int:.!' Al1A, a. .ur.ty for contractor.,
Be ~nenl..1.etoD~an4
t. On or about 3anuary 1" 1"0, Plaintiff Cuab.rland
Vall.)' .nt.re4 lnto a writton A91'....nt (h.r.att.1' .A9I'....nt.)
wlth Def.netant Hall-lClur.ll pur.uant to which Def.ndant "all-
lCi~r.ll agr..d to provide archit.otural and .ft9in..rift9 ..rvlc..
tor . ooapr.h.n.1v. a.b..to. abat...nt proj.ot to be oOllpl.t.d
during the luaaar of 1"0, .uch proj.ot id.nt1tl.d .. Pl'oj.ct 'HIC-
112 (01-00011) (h.reinatter th. .P1"oj.ot.) .nd .noOllpa..lng .ix (')
of Plaintiff Cuaberland YaU.)". .l...ntal'y .ohooh. Artiol.14 ot
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.~ ,.
the Af~....nt ..t torth the ba.i. ot co.p.n.ation tor the
p.~toraano. ot ..rvio.. by Det.ndant Hall-~iabr.ll. A true and
correot oopy ot the Afr....nt i. attaoh.d h.reto a. Exhlblt "A".
7. AIIon9 the .ix (I) el...nt.r)' .ohool. .nco.p....d
WId.~ the '~o~.ot w.~. Mlddl.... Il...nt.r)' .chool (h.r.lnafter
"Mlddl...x"), locat.d at 250 North Mlddl...x Road, carlbl.,
cuabe~land County, 'enn.ylvanla 17013 and Sportln9 Hill Il...ntar)'
School (h.r.lnafter "Sportln9 Hlll"), locat.d at 210 sportln9 Hll1
Road, M.chanlcsbur9, CUMberland county, ,ennsylvanla 17055.
.. Pur.uant to th.' A9r....nt b.tween Plaintiff
cuab.rland Valley and Def.ndant Hal1-Klabrell, by .nd throu9h It.
'ro~ect Manager Jeannle RObln.on, D.f.ndant Hall-Klabrell pr.par.d
. co.pr.h.n.lv. asbe.tos abate.ent plan tor 'lalntlft CUaberland
Valley. The plan, ldentifi.d by Defendant HaU-K1Jabr.11 as Pro~ect
Manual A.b..tos Abat..ent (h.r.lnaft.r "project Manual"), and dat.d
F.bru.r)' 13, 19110, ..t forth the r.qul~...nt. for the proj.ot.. Th.
P~o~.ct. Manual .peclflcally lnoorpo~at.d the 1971 Edlt.lon of AlA
Docuaent A201, Gen.ral Condltlon. of the Contract for Constructlon
and ..t forth, inter Ala, Supple..ntar)' ConcUtlon., d.taU.d
dravlftCJ. and .p.clflcation.. A true and correct copy of the
'ro~.ct. Manual 1. at.tachad h.r.to a. Exhlblt "I",
t, The 'ro~.ct. Manual r.vealed a dlvblon of t.he
'ro~ect lnto th~ee (3) di.tlnct P.O"9.. a. t011aw.l 'roject. 'MK-
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I. .e
aUA enco.pa..1n, 'hauU l1e.ental')' School, Ha.peten E1e.entaI'Y
.chool and M1ddle.ex Ine.ental')' School (hel'e1naftel' "M1ddle.ex
'I'oject")' pl'oject 'HX-5121 enco.pa..ln, S11vel' spl'1n, Ele.ental'Y
School and Monl'oe 11e.ent~1'Y School, and 'I'oject 'HK-512C
encoapa.dn9 sport1n, Hll1 School (hel'einaftel' .sportln, Hll1
'I'oj ect") .
10. Thel'e.,tel', Defendant HaU-JC111bI'eU pl'epued and
d1.tr1buted an Addendu. to the 'I'oject Manual, 1dent1f1ed by .a1d
Defendant a. Addenda No,l (hereinaftal' "Addendu")' and dated March
1, 11'0. A true and correct copy of the Addenda 18 attached
hereto a. Ixhlb1t "C",
11. On or about March 21, 1990, Defendant penoco ental'ad
1nto w1ttan contracta w1th Plalnt1ff CWlbedand VaUey whareby
Defandant penoco contractad to .erva a. tha ,enaral ccntl'aotol' and
to furnl.h all of tha .aterlal. and parfora all of tha a.be.to.
abate.ant work 1n accordance wlth the project Manual and
.pac1flcally to coaplete wlth good .aterlal. and rea.onable
workaan.hip a.be.to. abate.ent a..oclated wlth the Middle.ex and
Spo~1", Hill .roject. for t.he cont.ract price of One Hundred Forty-
Four Thou.and 11tht Hundred seventy-Five Dollar. ($144,'75,00) and
li9hty-Thr.e Thou.and Three Hundred Twenty DoUar. eSU,320,OD)
re.pact1vely, True and correct cople. of th. re.peathe contract.
e.uoh contl"acta incorpol'at1n9 the Pl'oject Manual and Addendu.
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attached a. Exhibit. "B" and "C") are attach.d hereto a. Exhibit
"D".
U. On or about March zi. 1110. Def.ndant Co..eroial
Ca.ualty. in ord.r to ..cure the perforaance by Defendant .enooo of
the tera. and OOndition. ln the oontract voverninv the Middle.ex
'ro~ect and in exchanve for valuable oon.ideratlon pald to
Defendant Co~erclal Ca.ualty, executed and delivered to 'lalntiff
CWlberland Valley It. .ea1ed and written 'erforaanee Iond, '''B:37-
01073-0 (herelnafter "Middle.ex Bond"), A true and correct co~y of
the Middle.ex Bond 1. attached hereto a. Exhiblt "E".
13. On or about March 21, 1"0,. Defendant Co..ercill
Ca.ualty, ln order to .ecure the perforaance by Detendant 'enoco of
the tera. and condltion. ln the contract voverninv the Sportinv
Hill .roject and in exchanve for a valuable con.ideration paid to
Defendant Co..eroia1 Ca.ua1ty, execut.d and delivered to 'laintiff
CUaber1and Valley it. .ealed and written "rtoraanc. Bond, "'B,
37-010"-0 (hereinafter "'portinV Mill Iond"). A true and correot
copy ot the Sportinv Hill lond i. attached hereto a. Exhlblt "p..
,
14. In accordance with the te,.. of the contraClt between
.laintiff Cullberland Valley and Defendant "noco 9ov...ninv the
Midd1e.ex 'roject, attached a. Exhibit .D., Defendant "nooo v..
authorhed to Co...nce. a-'ate..nt acUvlUe. on .June '. 1110 and
continue .uch .otlvltie. throutb AU9u.t 3, 1"0.
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11. In accordanc. vU:h the t.n. of the fore90in9
oont~act betveen 'laintiff CUaberland Valley and Defendant 'enoco
90vernin9 the Sportin9 Hill .roj.ct, attach.d a. Exhibit "D",
Defendant ..noco va. authoril.d to co_ence abat..ent activitie. on
June 11, 1"0 and continue .uch activitie. throuvh Auqu.t 3, 1"0.
lS. Th. abat...nt activit i.. cont..plat.d pur.uant to
the contract b.tween Plaintiff CU.berland Valley and Def.ndant
'.noco .p.cifically qov.rninq the Middl..ex 'roject included
re.oval of approxl.at.ly 22,072 .quare t..t ot vinyl a.b..to. tile
. ( hereaft.r "VAT") and lIa.tic down to the bar. concr.t. in n\lll.rou.
location. throuqhout Middl...x, .0.. of the location. involving
~..oval of carp.tinq a. v.ll,
17. Th. abat...nt activit i.. cont..plated pur.uant to
the contract betw.en Plaintiff CUaberlancS Vall.y and Defendant
'.noco .pecifically ,ov.rnin, the Sportin, Hill proj.ct included
re.oval of approxiaately 7,37' .quar. f..t of acouatical pla.ter
cel1ln, and vall. in nuaarou. location. throuvhout 'porting Hill
and r..oval of approxillately S., .quare fe.t of a.b..to. board
insulation in on. ar.a, Additional activitie. cont..plated
pur.uant to the contract included r..oval of approxi..tely 4,'14
.quare t..t of VAT and .a.tic down to the bar. concrete in nu..rou.
location. throu,hout Sportin, Hill, .o.e of the location. involvint
re.oval of carpeting a. vell.
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11. P\lr.uant to the ten. of the contract. between
Defendant 'enoco and 'lalntiff CIlIIbuland Va Us)' , Defendant penoco
dellvered pre-work .ubalttal. for the Klddle.ex .roject on 01' about
Aprl1 17, 1"0 and dellvered pre-work .Ilbalttal. for the sportln9
Hl11 project on 01' about Kay 16, 1..0 to Defenda.t Hall-Klabrell,
.uch pre-work .",b.lttal. lncl\ldin9 a co.plete aatedal. U.t of aU
1t... propo..d to b. furn1ahed and ",..d 1n .ald .roj.ct.,
19. pur.uant to the t.n. of the contr.ct. b.tw.en
Def.ndant P.noco and pla1nt1ff C\lab.rland Vall.y, Def.ndant '.noco
de11vered product .ubM1ttal. to Det.ndant Hall-Klabrell, incl",d1nt
product data, ",at.dal .at.ty data .heet. (her.att.r "MSDS"1 01'
th.1r equivalent and product .a.ple.,
20, Thereatter, D.t.ndant .enoco proc..ded w1th the
K1ddl...x and Sport1n9 Hill 'roj.ct..
21. At varlo",s t1... .Ub..qu.nt to co...nc..ent of the
Middle.ex and 'portin9 H11l Project., Det.ndant HaU-Kiabr.U,
Det.ndant ..noco and plaint1ft CUab.rland Valley a9re.d to aodlfy
the oontract. tov.rnin9 the Middl...x and 'portint Hill 'rojeot.
vie ei9ht (II .eparate Chant. Order.. A true and correot copy of
.aid .aoh .aid Chante Ord.r 1a attaohecl her.to coll.ctlvely a.
Exhibit "0".
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22. Pu~.uant to Chan9. O~d.~. ~.latin9 to the Middl...x
and .po"i1\9 Hll1 '~oj.ct., aUach.d a. Exhibit "0", Def.nd.nt
..nocor..ov.d approxi..t.1y ... .dditional .qua~. f..t of c.rp.t
fro. Middl...x .nd p.~fo~d ..be.to. .b.t...nt of 10 lin.a~ f..t
of pip. la991n9, 7 audd.d joint t1ttin9. and . vibration joint
cloth., and of .pproxi..t.1y .,3DO .qua~. f..t of VAT .nd ...tic in
.,ariou. location. in Sportin9 Hill, .0.. of the loc.tion. involvin9
r.aoval of ~a~p.t a. w.ll.
23, Purau.nt to the afor...ntion.d AlA C.n.ral
ConcUUon. of the Contr.ct for Con.truction, the cont~.ct docu..nt.
which con.tltut. the .ntir. .9r....nt b.tw..n Def.ndant '.noco .nd
Plaintiff CUIlb.rland V.ll.y conc.rnin9 the '~oj.ct .r.,
coll.ctiv.ly, tho.. docum.nt. att.ch.d .. Exhibit. "''', "e", "D"
and "0" (h.r.inaft.r the "Contr.ct Docu..nt.").
24. Pur.u.nt to the A9r....nt b.tw..n D.f.ndant H.ll-
Xiabr.ll .nd 'l.intiff CUaberland Vall.y, Def.nd.nt Ha11-Xiab~.11
.onitor.d the p.rforaanc. of Def.nd.nt '.nooo du~lft9 the Middl...x
and Sportin9 Hill proj.ct. and in.p.ct.d the proqr... and quality
of the 0"9oin9 work by Def.ndant 'anoco at .aid 'roj.ct.,
2'. Pur.uant to the Contr.ct Docu..nt., no portion of
tha alba.to. ab.ta.ant work r.qui~ift9 .Ub.ittal., inter 1l1a, pr.-
work and prOduct .ubaitt.l., v.. to be coaaenced until Defend.nt
"nooO'1 .ubaittal. vere approved by Def.ndant Hall-Xlabr.ll.
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26. To a..1at in the re.oval of VAT and .a.UQ at
Middle.ex and IporUnq H111, Def.ndant ..noco .elect.d a~ \at11i1ed
a pr04\act known e. M..ti-.olv.
27. Th. M..U-.olv \at.l1i1ed by Defendant. ..noco va.
..n\afact.\ared, .old, .uppli.d, di.t.ribut.ed or oth.rwi.e placed lnto
t.h. .t.r... of commerce, by Def.nd.nt. Ab.t....nt. T.chnologi..,
21, Th. Ma.ti-.olv v.s .ppli.d by Def.ndant. ..noco in
such . ..nn.r, in such qu.ntiti.. and for .uch l.nvth. of t.i.. .0
a. t.o caus. .ubst.ant.ial prop.rty da.av. at. Middl...X and sport.ing
Hill and r.sult ln stronq linq.rinq'and noxlous odor. at Middl..ex
and sportinv Hill, such odors v.n.ratlnq cOlllplalnts at v.riou.
ti... by chUdr.n, t.ach.r. and adllinistr.tors and V.n.rally
unde~inin9 and t...por.rily prev.ntinq the habita~ilit.y of
Middl...x .nd sportinv Hill.
2'. Def.ndant. Hell-Kiabr.ll purport.d to i..u. a
C.rtlfio.t. of SUb.tantlal Coapl.t.lon for the Mlddl.... .roj.ot. on
or about. Augu.t. 15, lttO, and purport.d to i..u. C.rtifieat.. of
substantial Coapl.tion for t.h. .portinq Hl11 .roj.ot. on Auqu.t 14,
1"0 and Augu.t 17, 1"0.
30. Def.ndant .enooo fal1ed to aohl.ve tl..1y
.ub.tantial coapl.tion of the Midd1...x and .porti1\9 HUl .roj.ots,
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31. On 01' about octob.r 2, 1110, pUl'auant to the
Contl'act Docu..nt. and a. part of It. 'r...Requ1alt.. to Flnal
Acc.ptanc., Def.ndant ..noco .ade an expre.. writt.n Guarant.. of
wOl'k r.latinq, in~.r &11&, to the work involv.d in the Middl...x
ancl sportinq H111 .roject., prov1d1nq .uch work a. quarant..d
aqa1n.t d.fect. in .aterial. and workaan.h1p. A tru. and corr.ct
copy of the Guarantee 1s attachecl her.to a. Exhibit "H".
32, FOllowinq the pUl'pol'ted is.uance of the Certificate.
of Sub.tantial Completion. plaintiff Cumb.l'land vall.y became aWlI'e
of .ub.tan~ial d.fects in the wOl'kman.hip of D.f.ndant P.noco,
which cau..d Plaintiff CUmb.rland Vall.y to incur .ub.tantial
da.aq...
33, Probl... r..ultinq from the afor...ntion.cl d.f.cts
und.rain.d and .v.ntually t.mporll'lly pr.v.nted the habitability of
Middl...x and sportinq Hill.
34. Aft.r discov.ry by plaintiff CUab.rland Vall.y that
the worJcaansh1p at the M1ddl...x and Sportinq H111 .roj.ct. va.
q.n.rally clef.ctiv. and not in accordanc. wU:h the Contraot
Doou..nt., plaint1ff CUmb.rland Vall.y 9av. writt.n notio. to
Def.ndant '.nooo and Def.ndant Hall"Xlabr.ll,
35, c..pit. plaintiff Cuab.rland Vall.y'. r.p.atecl
cl...nd. on Def.ndant ..nooo and o.t..'ldant Hall"IUabrdl, ..1el
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Defend.nt. h.v. f.U.d .nd/or r.fu..d to .".ctively ...... .nd
r...dy the d.f.ct. ...ocl.t.d wlth the Mlddl...X .nd Iport1nv Hlll
,roj.ct..
36. A. . con..qu.nc. of the f.ulty, d.f.ctiv. .nd
nonconforalnv wor~n.hlp by Def.ndant. ,.noeo and H.ll-Klabr.ll,
'l.lntlff C\lab.rland V.ll.y ha. .u.taln.d, and wlll contlnu. ln the
future to .u.taln, at Mld4l...x .n4 sportlnv Hlll .ub.tantlal and
dlr.ct and con..qu.ntl.1 lnjury an4 da.av. lnclu41nv. but not
11.lt.4 to the fOllowln,:
a. 1.0.. of u.. of portlons of Mlddl...x and
Sportln, Hl11, an4 t..porary co.pl.t. 10.. of u.. of
sporu'n, Hl11:
b. 1.0.. of labor .Ulel.ncy a. a r..ult of
co.plalnt. .t...ln, froll the 0401':
c. Incr....d utll1ty and .alnt.nane. .xp.n...:
d. Inv..t19atlon and cau.. of orl,ln .xp.n...'
., "...4hUon CO.t.,
f, D1alocaUon CO.t.,
V. .Dl.lnutlon in v.lu. of Mld41..ax .nd .porUn,
Hill I
h. Labor .xp.n... r..ultlnv fro. aonltorlnv,
......1nt and r...dlatlnv the probl..., an4
1. Oth.r dlrect .nd con..qu.nU.l injuri.. and
d...,.. r..ultinv fro. the faulty, d.f.otiv. .nd non-
oonfor.ln9 worka.n.hlp by Def.ndant '.nceo.
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tmHfil
Dr.aeh of Contnct
(Cumberlnnd Valley v. Hall.Klmbrell)
3'7. CUIlb.r1and Vall.y lncorporat.. Pan9raph. 1 throulJh
3. a. if ..t forth in full.
3.. pur.uant to the A9r....nt b.tw..n Def.ndant Hall-
~lmbr.ll and plalntlff Cumb.rland Vall.y, attach.d a. Exhlblt "A",
D.f.ndant Hall-~ll1br.ll a9r..d to provld. the n.c....ry
. .rchlt.ctural .xp.rtis. antS advlc. both ln the de.19" and work
pha... of the Mlddl...x and Sportln9 Hl11 proj.ct., .xpr...ly and
lmpll.dly warrant1n9 that .uch exp.rtl.. and adv1c. would con fora
to a r.a.onabl. .tandard of car. 1n the lndu.try,
39, D.f.ndant Hall-Xlmbr.11 p.rform.d It. contr.ctu.1
dut1.. 1n a poor, c.r.1..., and unworkman11k. mann.r, contrary to
the .xpr... and 1.p11.d t.ra. of the A9r....nt and oth.r 1.9.1
obU9at1on..
40. Sp.eUlcaUy, o.t.ndant HaU-Xll11br.l1 lIIaterl.Uy
br..ch.d the terlll. of the A9r..1II.nt, lnc1udln9 It. 1.pli.d dutl..,
in th. fo110win9 ..nn.r.l
a. Fal1ur. to .d.quat.ly vl.it the Mlddl...x and
lportlnv Hill 'roj.ct .it.. to b.co" 9.n.ra11y fa.iliar
with the pr09r... and quallty of the a.b..to. abat...nt
"01')( co.pl.t.d by o.t.ndant '.noco, pursuant to 'au9raph
1,5.3 of the A9r....ntt
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b. ,allur. to ad.quat.ly d.tenlne if the ..b.lto.
abate..nt work at the Mlddl.." and sportln9 Hl11 'ro'eet
.1te. eoapl.t.d by Def.ndant '.noeo wa. proe..dln9 ln
aeeordanc. wlth the contract Doeu..nt.. pur.uant to
'ara9raph 1.5.3 of the A9r....nt:
e. Failur. to ad.quat.ly 9Ual'd plalntiff cuuuland
Valley a9a1n.t d.f.ct. and d.flcl.ncl.. ln the a.b..to.
abat.lI.nt work of Def.ndant P.noco. purluant to 'ara9raph
1.5,3. of the A9r....nt r
d, ,al1ur. to r.,.ct a.b..to. abat...nt work by
Def.ndant '.noco not ln confonane. with the contract
OoculI.nt.. pursuant to 'ara9raph 1.5.9 of the A9r....ntl
.. Upon r.vl.'" of Def.ndant '.noco'. pr.-work and
product .ubllittals pur.uant to 'ara9raph 1,5,10 of the
"9r..II.nt. Def.ndant Hall-lCi\l\llr.ll I. failure to take
appropriate action to ensure the u.. of non-d.f.ctiv.
asb..to. r..oval product. in the Mlddl...X and sportin9
Hill proj.ct.1
f, Fal1ur. to .ff.ctlv.ly .onltor D.f.ndant 'Inoco'.
work p.rtormanc. durln9 the Middl...x and sportinq Hill
'roj.ct.. pur.uant to 'ara9raph 16,1,1, ot the A9rl.mlnt:
9, Fallur. - to ad.quately d.el9n the .ubj.ct
asbe.to. abat.m.nt proj.ct:
h. Fal1ur. to ad.quat.ly provide .n91n..rln9
..rv1c.. tor thl .ubj.ct a.b..to. abat..ont 'roj.ctl and
i. Oth.rwl.e tailln9 to provld. .ervlc.. and tultl11
r..pon.lbilitl..' puuuant to the .p.cUic t.n. and
concUo:ion. ot the A9r....nt a. 1101'. .p.cUically ..t
torth in the A9r....nt. and it. oth.r 1.9al and
prof...ional r..pon.ibiliti..,
41. 'laintiff CUlllberland vall.y fuUill.d all ot lts
obli9ation. and r..pon.ibi11tl.. pur.uant to the o\9r....nt.
42, A. a dir.ct and proximate r..ult ot Def.ndant Hal1-
IUureU'. breach ot the A9r....nt. 'laintiff cuuuland Vall.y ha.
and vl11 1ncur .i9n1t1cant da.a9.. and 10..... a. ator...ntion.d,
1n .xc... ot T.n Thou.and Dollar. ($10,OOO.OD).
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46. Sp.c1f1cally, D.f.ndan~ ,.nocO .a~.rially br.ach.d
.~h. ~.~I of ~h. con~rac~ Docum.n~l, includin9 itl implied du~1.1,
in ~h. followin9 .ann.rll
a. ,ailur. ~o ad.qua~.ly familiari.. i~l.lt w1th
th. U~.da11 to b. r.aove4 ln ~h. Middlel.. and .po..t.1"'1
HUl 'roject., punuan~ ~o s.ction 0010D-', 'ara9raph
1.5,1 ot ~h. 'roj.c~ Manual,
b. Failur. to co.pl.~. ~h. Middl.... and spor~in9
Hl11 ,roject. ln a ~...onabl., co.p.~.n~, prop.r ancl
workmanllke mann.r .xp.ct.d of a gen.ral contraceor in
the community and ~h. conl~ruc~ion indu.try:
c, Failur. to promptlY .....4y all 4a.a9. ~r 10.1
to Ichool prop.rty cau..d ln whole 01' in part. by
D.tendant 'enoco, i~. lubcontractorl 01' anyone dir.c~lY
or indlreoCly e.ployed by lald Defendant, pur.uant to
.ara9raph 6,2,4 ot the AlA oeneral eoncUtlonl for the
eoner.ct for conltruceion and Secelon 00100-4, 'ara,raph
10.2,5 of the 'roject Manual.
d, ElIploya.nt of unfit perl on. or p.rlonl not
Ikl11ed ln the talkl al.19ned ancl technlquel r.quired ln
ehe Middle.ex ancl spordn, H111 projectl, pursuant to
Section 01010.', 'ara,raph 1.1.4,1 of the 'roject Manual:
.. Fal1ur. to .up.rvi.. the actlvit!.. of .very
pha.. of the alb..~O. abat...nt work ~akin, plac. on the
Middl..ex and sportlft9 Hl11 Project. in conjunction with
the architect/en9in..r'. on-.lt. repr..entativ., pur.uant
to Section 01041.1, ..ra9..aph 1,) .1, 2 ot the 'rojece
Manual :
f. 'aUur. to .n.ur. compUanc. of th. la.pl..,
.at...lall, and .qulp.ent with ~h. .roj.ct. Manual'l
Ip.cUleatlonl and to .nlur. their lultabU1ty for UI. in
the co.pl.t. p.rformanc. of the Middle... and Sportlng
Hl11 'rojecu, purluaflt to s.ction 01)00-5, 'ara9raph
),),1 ot ~he .roj.ct Manual'
9. 'aUur. to provide only ma~.da11 and equip..nt
that ".... "'C09ni..d a. b.l"" l"itab1. for th.lr intend.d
".., p"r."ant to ..ction 0151D-1, 'ara9raph 2,1,1 of the
.roject Manual: .'
h, ,ailur. to co.pl.t. th. a.b..to. abat...nt .0
al to uk. Middl.... and 'porti"" Hill habltabl. and fit
for th.ir int.nd.d u.. by 'laintiff C\laberland Vall.YI
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Under' "02(.) or the R..tatement S.cond or Torti
(Cumberland Valley v. Abat.ment T.chnoloal..)
4t. plaint1ff
pua9raph. 1 throu9h 41.
h.nln,
lncorpol'at.. h.r.ln
a. thou9h .ach ".1'.
by
fully
r.f.r.nc.
..t forth
50. At all tlm.. I'el.vant her.to, Def.ndant Abat..ent
T.chnolovi.. w.. in the bu.lne.. of .anufacturln9. foraulatln9.
..Uln9. 61atr1but1n9 01' oth.I'W1a. placln9 into the .tna. of
cOII..rce the product M..tl-.olv. and w.. conddered a lIerchant
wlthln the ...nln9 of section 2314 of the '.nn.ylvania UnUon
co..ercial Cod.,
51, When .anufactured, fonulat.d, .old, di.tribut.d or
otherwi.. plac.d into'th. .trea. of co...rc. by Def.ndant Abat..ent
T.chnolovi.., the produot Ma.ti-.olv "a. ln a condition "hich "a.
def.ctiv. and un.uitabl. to u..r. 01' con.u.er. in general. and to
entitie. in the po.ition ot 'laintiff Cuab.rland Vall.y in
particular,
'2, Said d.f.ctive condltion conai.ted, 1n~.r 111&, ot
the toUowl"91
a. Def.e. in t.he ,.n.ral tonulaUon .and
.anufacture of Ma.t.i-solv, in that it contaln.d
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oontaalnant. and/o~ additiva. which ~.nd.r.d it
~n.~lt.bl. in co~ra. of it. for.....bl. ~..,
b. Def.ct in the ~ef1ne..nt of M..U-.olv .d.l",
froa & failure to r.mov. .ub.t.nc.. in the product which
would c.u.e o~ cont~ib~te to .tainin, .nd/o~ la.ve a
.tron, linter in, .nd noxio~. odor aftar .pplic.tion of
the prod~ct'
c. Defact in the t..tin, ot Ma.ti-.olv uiain,
tro. . tailure to dat.ct the pr...nc. ot .ub.tanc.. in
the product which would c.u.. or contribut. to .t.inin,
and/or l..v. . .tron, 11n,.rln, .nd noxious odor .fter
.pplic.tion of the product.
d. Lack ot .d.qu.t. w.rnin,. r.,.rdin, the
tor.....bl. u.. ot M..ti-.olv ln the ..b..to. .bat..ent
work .t the Middl...X and sportin, Hill proj.ct.:
.. Lack ot .d.quat. warnln,. r.,.reSin, the .tron,
lin,.rin, and noxious odor fOllowin, the for.....bl. u..
ot Ma.ti-.olv in the a.b..to. abat....nt work at the
Mlddl...x .nd sportin, Hill proj.ct.: and
f, Lack ot .d.qu.t. pr.c.ution., in.truction., 01'
w.rnln,., .ddr....d to u..r. and con.um.r. ot Ma.ti-.olv
re,.rdin9 it. ..t. u.. and/or the n..d for post-
.pplication pr.c.utionary lIl.a.ur.. includin, but not
li.it.d to r.spiratory prot.ction and ventilation,
53. Th. product Ma.tl-.o1v w.. ln .uch daf.ctlv.
condltion at the ti.. lt l.tt the control ot Det.ndant Abat...nt
T.chnologi.., with no .ubst.nti.l ch.n,. ln the condltlon of the
product occurrln9 betor. lt wa. tor....ably u..d in the a.b..to.
.bat...nt work at the Mlddl...~ .nd sportin, Hill proj.ct.,
54, Th. ator...ntion.d det.ct. ln the product M..tl-
.olv, w.ra a .ub.tantial t.ctOI' ln aaudn, plaintUf Cullbuland
Valley to .utt.r the afor...ntioned da.a,.. and hara,
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WHI~lrO~I, plalntlff CUaberland Valley d..and. jud9..nt
ln It. favor and a9aln.t Defendant Abate.ant T.chnologl.. for an
aaount in exc... of T.n Thou.and Dollar. ($10.000,00) lncludln9
int.re.t and co.t..
~
Breach of Warranties
(Cumberland van.y v. Hall.Klmbrell)
51. plalntiff Cuab~rland Vall.y lncorporat.. by
r.ference para9raph. 1 throu9h 54 a. thou9h ..t forth ln thelr
.nUr.ty h.r.ln,
16, At all ral.vant tl.... Defandant Hall-~l.br.ll wa.
ln the bu.lna.. of provldln9 .ervlc.. for the d..19n and
con.truotlon of a.be.to. abat..ant work, lncludln9 but not 11.ltad
to ,the d..19n of plan. and .peclflcatlon. for the a.ba.to.
abat...nt work.
17. A. a lican.ad archltectural/an91naarln9 flr. ln tha
Coaaonvealth of Penn.ylvanla, Defendant Hall-~labr.ll held It..lf
out to PlaintUf C\Ulber1and Vaney a. havln9 expert he ln tha
d..19n and con.tructlon of the .rojeot.
. .
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... At all ~.l.vant tl.... Def.ndant Hall-Kl.b~.ll .ad.
.Mpr... wdtt.n and 1.p11.d wuranU... .. ..t forthb.low. to
'lalntlff Cuab.rland V.ll.y wlth r.,ard to the provl.lon of .ald
..1"110" .noo.pa.dn, the Mlddl..ax and .portlnv HUl .roj.ot..
knowlnv the purpo... for whlch It. .ervlo.. w.r. to be u..d by
'lalntlff cuaberland Vall.y and knowlnq that plalntlff Cuaberland
Valley would rely on D.f.ndant Hall-Klabrell'. .kl11 and judV.ent
ln provldlnq .uch .ervlc...
'9, In partlcular, D.fendant Hall-Xl.brell .ad. an
.xpre.. wrltten r.pre..ntatlon pur.uant to Paraqraph 1.5.3 of the
A9r....nt wlth the plalntlff Cumb.rland Valley. attach.d a. Exhlblt
"A", that lt would .nd.avor to Vuard plalntlff cu.b.rland Vall.y
a,aln.t d.f.ct. and d.flclencl.. ln the a.be.to. abat...nt work of
Def.ndant '.nooo.
60, At all r.levant tl.... D.f.ndant Hall-Klabr.ll al.o
provlded plalntlff cuaberland vall.y wlth llpll.d war~antl..
r.,udll19 .dd .ervlo.. of the d.d,n and con.truct1on of ..b..to.
abat...nt vo~k at Mlddl...X and spo~tln9 Hl11. lncludlnq but not
11.lt.d to an l.pll.d Warranty of R.a.onable Wo~kaan.hlp and an
l.pll.d Wa~r.nty of Fltn... for a Partlcular Purpo...
61, Plalntiff Cuabarland Vall.y r.U.d upon the
fOJ'eCJoll19 .xpra.. and 1.pU.d wananth. ln contract1119 with
Def.ndant Hall-Kiabr.ll and ln allowi", Def.ndant Hall.Kl.b~.ll to
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d.al9n and con.truc~ the .ubj.ct a.b..to. abate..nt work at
Mlddl...X and sportln9 Hl11.
'2. Def.ndant Hall-~labr.ll br.ach.d the for.901n9
.xpr... and lmpll.d warrantl.. by fal11n9 to d..19n, con.truct and
.up.rvl.. the Mlddl...X and sportln9 Hl11 proj.ct. .0 a. to .n.ur.
utl11la~10n of .ultabl. a.b..to. abat...nt product. an4 t.chnlqu..
whlch would not cau.. prop.rty dama9. and l.av. .tronq llft9.rln9
and noxlou. cdor., and to .n.ur. that Mlddl...X and sportlnq Hl11
would b. habltabl. to the publlc followln, the a.b..to. abat...nt
work.
'3, A. a dlrect and proxl.at. r..ult of Def.ndant Hall-
~l.br.ll'. br.ach of the fore901n9 .xpr... and lmpll.d warranti..,
plalntiff C\lJlb.r1and Vaney has and wlll .u.tain da.a,.. and 10....
ln an allount ln .xc... of T.n Thou.and Dollan ($1D,OOO,OO) in
r...dlation .ffort. at Mlddl...X and sportln, Hl11,
WHERErORl, 'lalntlff CUlIb.rland Vall.y d..and. judqaent
ln It. favor an4 a,.ln.t Def.ndant Hal1-~labr.l1 for an a.cunt ln
exe... ot'T.n Thou.and Dollar. ($10,000,00) lncludl"9 lntere.t and
co.t..
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.., In particular, Detendant 'enoco .ad. an .xpr...
wl'1tt.n warranty in S.ction 4.5.1 ot the AlA a.n.ral Condition. tor
the Contract tor Con.truction a. tOllow.,
Th. Contractor warrant. to the Own.r and the Architect
that all .aterial. and .quip..nt furnl.h.d under this
Contract w111 b. n.w unl... otherwla. .pecifi.d. and that
:~~ work w111 b. of aood ~~~~~~. f~~~ ~::~ ~~~:: ::d
f~f~~ and in conformanee . h. j~~~~~: ~~~~~!~~g
~~~.~~~~~~':,~a ~:~o:r~:~:lO" ~::::o::;u :~;;m:::~';r ~:~~ ~a ~:~
:~ :=~=~dered d.f.c~ive. Thi. warranty i. not limit.d by
the proviSion. of Paraqraph 1],2 (e.pha.is add.d).
69, S.ction 13,2 of the AlA Cen.ral Condition. for the
Contract tor Construction provide., int.~ AlJA, a. follows:
13 . 2 COARZCTION OF WORK
".
13,2.2 It, within on. year att.r the Dat. of substantial
Coapl.tion of the Work.. ,any of the Work i. found to b.
defectiv. or not in accordance with the Contract
DoCUMents, the contractor .hall pro.ptly after rec.ipt of
a wrltten notic. fro. the Owner to do .0".,Thi.
obllqaUon .hall .urvlve tenlinaUon of the Contract,
Th. Owner shall Vlv. .uch notlce prollptly alter d1acovery
of the condition.
10, AdcUtionaUy, Defendant '.noco .ad. an expr...
writt.n Guarante. of work, attached a. Exhibit "H ", 9uaranteeift9
the work a..ociated with the Middle.ex and Sportinv Hill 'roject.
to be tree tro. defective ..t.rial. and work.anahip,
71. At all relevant tiMe., Defendant 'enooo al.o
provided 'laintift CuMberland Valley with i.plied warranties
- 24 -
.
~
'''~'''~!
('
f',
'-1'."-
" I'
ra,ardln, tha a.ba.to. abata.ant work at Mldd1..ox and Sportln,
Ml11. lna1udln, but not 11.1tad to an l.p11ad Warranty of
~aa.onab1a Workaan.hlp and an Imp11ad Warranty of Fltn... tor a
Partlcular Purpo.a.
72. plaintiff CWlbarland vanay raUad upon tha
fora,ol"9 axpra.. and 1.pUad warrantla. ln contracUn, wlth
Defendant .anoco and ln anow1n, Dafandant .anoco to partor.
a.ba.to. abata.ant work at Mlddl..ax and sport1n, Hl11.
73. Datandant .anoco braachad tha tora,oln, axpra.. and
lmpllad warrant1a. by fa111n, to ut111za .u1tabla a.ba.to.
abata.ant product. and tachnlqua. whlch would not cau.a proparty
da.a,a and l.ava atron, Un,arln, and noxlou. odora. and by faUln9
to pr..ant to plalntlff CUmbarland V.llay Mlddl...x and Sportln,
Hl11 a. habitab1. to tha publlc fo110wln9 tha a.ba.to. abata.ant
work.
74. A. a diract and prod_ta ra.ult of Defandant
'anooo'. braaoh of tha fora901n, axpra.. and 1.pllad warranti...
Plaintiff CUu.rland vanay ha. and will .uataln d...,.. and 10....
,
ln an a.ount in axe... of Tan Thou.and DoUar. (tlo.OOO.OO) ln
r...dlatlon affort. at Mlddl...x and Sportln, Hl11.
- 25 .
.
~
('
,.,.,
(
.. .1
71. In lta nonal u.. tho product Ma.ti-Solv was
d.faot!.V., a. .tated pr.vloully herdn, .uch product containlnq
d.latlu'lou. and noxious .ub.tanc.. known to Def.ndant Abate.ent
T.chnoloql.. to be def.ctive and harmful to hu..n. .xpo.ed thereto,
.uch produot not .ultab1a or fit for tho purpo... and u.a. for
whlch .ald produot wa. ~ntendad.
7t. At all relavant ti.a.. tho purcha..r. and uo.r. of
tho produot Ma.tl-S01v for uoa ln tha Mlddle..x and sport1nq Hl11
.ro,ect. ra1lad upon tho foraqolnq axpr... and lmplied warrantl..
of Def.ndant A.b..to. Abata.ant.
10. Th. d.f.ctlva condlUon. of the product Ma.tl-.o1v,
a. .tat.d praviou.ly hareln. co.pri..d aat.rlal breach.. of the
.xpre.. and 1mpUed warranUe. by Defandant Abate..nt T.chnolOCJi...
n. A. a dir.ct and proxi.ate r..ult of Def.ndant
Abate..nt Technoloqi..' br.ach of tho foraC)01n9 axpr... and i.pU.d
warranti... plaintiff CUab.rland Van.y ha. and will .u.tain
da.aq.. and 10.... ln an a.ount in axe... of T.n Thou.and DellaI'.
($10.000.00) .
WHEREFORE. plaintlff CUaberland vall.y d..and. judq_.nt
in it. favor and aqain.t Defendant Abata.ant Technoloqi.. for an
aaount in exo... of T.n Thou.and Dollar. ($10.000.00) includlft9
int.r.st and costs.
- 27 .
.
,.~Y-a.-.a
. '. .
.
w. D ~. :II ., .3 U .. L. I Ill. tIC . N ""'...-.... " ... I .- ~ -r:' w;or
U/wt6'" "1\6 M PI': GRC'J 'dI'-IC 1r'!\.MICE _1
EUC
SYNDICA:l"}!.INC.
Po8l.1\" brllllCl II. Irltntl'l.'1I mo'no Ni"fu.~ 1
~~.,~~iie,;v.v- - '~_ ~~~ ~
....~ ' , (;, ~p' ,C.t'" <e:. ..) Ie
\it~r.~'*"-'."-- ....:.=-- ..:." -
~~i.~~~;:J.~'1 .~:, .
-..----.-.-.
"!\,,,,,,,,,,.,\lI'II~'llIln\'" h.""I'I\\' 1.'~~I'\I:~
_.~ .
~p. TJL!.rAX N4D Cl~TU':n:t: ~.l~
Novambor 25, 1992
I4WAl4 B1Anadk, II';.
J~~oll~.~, RAY~Aek, Nol1.~,
Wlll1")I, 'l/'QUIIV , Blallal"ll1.
102 z...\ Colleg_ S~ra.~
Stat~ coll.ga, p~ lGOOl
ewn~rla:ld vall.'! ~oho,?l tllnrl.ot: v. '11"0.2"( In(,/,
NC_~_~"8"2.", CJ v q. '''"C"~.~.O,~ ~T~li're"~AAi~l :f~~I'.\.!-.Y,LCl_~,~!~
~l!_.__Q~_".:!_~-9_"_L
C.ar Mr. &l.narlk:
~Ol
I am wr,itlng ln turt)lO:: reapcn'. to rnn~ 1'1lIno'. letter of
.1uly ., un 1n which tilt ni6uuU.tJ t!lU sue I'rov14.
~apr..ont.tlon t~r Panoco, Inc. r~i.r~~n9 a law suit 11104
against it by th. c~~erl~nd Vallwy sohool District. Mr.
PC/no ..11.04 mo to 411:001; any C01"UolI?On4'm:.. tc:r YO\.u."
.ttentlon.
~. you know, Whon wo ~aoelv.4 H~. 'eno'. l.tt.~, no
oomplalnt haO bG.n tl104. Thus, it ~AG lmpQ.slbl. to fully
ovaluate plainr.1U'. claimlil 19dnj'!':: ~al'looCl an~ t:JUC a9r~l!lcS
co pro'lldo coun..al p\luual'\t t.!) my 19:1:01' of July 2t, un
for '.noco until ."".fn l; lmfl, H tor-'I. U it w.lt cS.nel:1ll1ne4
'Chat pldnUU" chima do taU 'loll ~"'1,1l f.ha pol1cy tetllloll an4
oon4hlon. .
~\ thi. point, a Comglaln~, h.. ba.n fl\.~ And w. .r. now
ablo to evaluate plalntl~f" ol&\m. allalnst "'flOCo,). ....4
on that ev.luat1nn, W. ~aY' 4.~a~M~'~4 ~bAt \ho.~ 01A1M' ar.
no~ .ub'.Ct to cover.go \lA4tr tho e~~~r~1.1 oanoral
Lla.bUlt.y covorag. FOUl conulft11d \In4.r POUC}' nUlll"'." 14211.
We will, ~bo~.tor., be wlthdr.wln9 from ponoo~" d.t.n...
'11"...... 1I""ft w., fv.., II)
1.".:.....~.'" ......:..,.J.f" Jl"IUl
~~~\\~~W"\fr{lMnrtftJln!?;'t"f.~ftJ''''1~:''''' ~";\'''';'W'>,~'';w';.r~r.:~' :"~p;.,,~,. 0'(' " ',' ," .' I' '
" ~, .i""~,.',~ l'l~' i'.. "il" I. [,"r "'!'r'I"~." ,"'ll'f.l"V~(.,,;tfI' " r 1', ,
. ')l .'..,... .,.', 'I". ~ ;.', . '" j "'>' .. '., ", .,!\.
':~I'" .. . I "' ,
.
I4w.~4 Ilanar1k, I*q.
J~b.lir.r, Rayb.c~, Nol1'~1
Wal.b, Younv , 11anarlk
Noyombtr 24, 1992
tao- 2
~~. b.... for thl. 4101.10n ar. II tollow.,
In &ndydng wh.th." the lna\lrftr h.. . duty CO defond, on.
.\lat flut look to t.he chim ,n.4C11 _'ldnat the In.\&Ud. When
an 1ndlv14\l41 pu);ch.... in.uranoe, they proOut" not onl)' thl
inll\lut'. d\l';Y to 1nciemnUy Whon the olalmG faU wlth1n tht
p~11cy cov.r.~e, but al.o prot~otion ftg'ln>>~ gtoundlt'.,
f.l.. or fraudulent C1Alm. ~e9.r.ale.. of th~ In.llr.r'.
ulUmace duty t.o PAY, In dltt61'Rllnln9 whel:hor tholre 11 A
d~ty to delend, 1:h. tOCIl" i. Qr. ,;he chinl, riot. th,' AOI;.",&l
facU. After d!..:errling t,he t4lct,,iI a\lGt~od ir. t.he 01111m, the
dochlun IR'JI~ b. mado Whet~.r, 1f thoU l!IlCU ",'care fQllnd to
be tl'll., the po11.::y would ~ll'O'/lc:24t eov6U'1e. If 1~ ~Iould,
th.n t.h..S'. 1, & cilley to t\.tenc1. 1n other 't'OL'd', 1f the
t.lc~ual al1egaUon. ol! the (Jolupla1nt; on ~u f"co ..tAte.
cl.\m to whloh the policy po~en~lAllY a~p11e., the ln~l.lrer
mun defend. p":'''\l.~a!_~hl\l~.2l'.!.. '!!I'.\I~~.n,~?,~~.!t.',lJ'p.",~, 3~:! Pa,
Super. 231, 2J4, ~O, A,~Q 8,7, 8~9 (1980/.
The SchOOl Dl.tr~r.1: filed 1ta ComplAint 1n October of 1~92,
Thu., it 1. n~~ pos'L~le to evaluate !~IC's duty ~o 4.ren4.
'rho Compla\nt clearly fo~\,\u. on hUlIl c4Iuud by the Masti-
.olv. tftrdgraph. 28, 30, ~l, ):! and 35 of thn c~pl.in~
'WMIarlz. the elaln,,, "gll1rlGt l'C:UQCU I
2.. Th. Ma.ti-3Qlv was .pp~led by o~t~nd.nt
Penoco in .u~h ^ II1ft/1Mr, ion "..~h q\IlUlti Ues an(\
for .uoh loI19,:h. of t1mlt '0 ". t.o (,"l~'G
.ub.tAnt.la~ pS'op.rty d.~~. at M1411..ex ~nC
,port,ln9 H1\1 an4 ro.ult In atronQ llr.gor1h9 &n4
noxiou. odor. at MiCdl.wex and sport1n9 Hill, .uoh
04"'1" ven.ratin.., oomplaint. at v.::l01,l. Ume. ~y
ohi14ron, toeAchor. .nd ",4t1l1nJ.ltrii\;I>&'. an'"
, qeneully \ul4.:rnIJ.nln9 .n<l t,"m~Clh&' 11)' prevwnUn9
the ~Abltab111ty of Mlddl...~ an~ Gpor.:in9 Hl11.
110 . 110
30. Daf.n4ant penoco fAl104 ~o achi.v~ t\mely
.ub.tantlal complaclon of the Ml~~leA~X ^n4
Ipo&"tin9 Hill Pl'4.,j"iCtS.
...-...... "" '~'''''''J''-'''-'\ 'JO --.' ,- .'
~"".'ft:1("'''''>'' ,..,." ,~'-""'''''~''.~., ;...'!tr"'.',Ylftl'- ""',."'J.....~I,~'=...h...II":'f "."'!," ,""',,~;;TIT1"'''' ..., .\..... .
,
14war4 11anarlk, I.q,
~~bo11r.r, Rayback, NollA~,
Wa1.~, Yo~ng , Blanarlk
Nov~mbtr 24, 1992
'a9' 3
31. On Qr About OctQ~.r 2, lt~O, p~,>>uAnt to tho
COn\~Act Doc~n~* and .. part ~f It. ~rG-
lteqi.&ldtu to Find I.ClC.ptl.lIce, D41t..n~.nt 'OhOCO
",.de An .x~r... wl'htOll OUfnanteo or wOl'k
r.1atinq, JJl~!.r ~, t.o the wo"k, ~nvolvo4 ln th.
Middle.ex 4u4 ij)Q~nv Hl1l 'rQjtotl, pruvlcUlIg
.l.Ich wOl-k A' 9~ar"n\:"'od I\gainle (.\IttGtOtIJ ln
m."'or1.1. And WOrNII<lnfoh111" .. .
32. FoUow1.n9 th~l purpo&'ted 1uul\no. ot t110
Cen1flo.te Of Su}jSl:/lll':.1.\l cor\p::'~e1.oll, r1A1ntUt
Cwnberhnc1 Va\hy baet-'"" l\~'IU;' of ..'~blltant.1.'1
dflfcClte 1r. the Wo~"lull.nsll.!.p of !:i~!.0I1I\nt :?C'n<.lQo,
whl011 caufl\ll(1 Ph1ntl,tt Cw:\herl&n~ valle:r t.:;, 1nc\lt
lubatantlal dAm4ioa.
. II .
~5. D..pit. Pl_intl~~ cumb.rlan4 vAll~Y'a
a-ez>aAud ".mAI\c1a on tI"fendant '('/lOCO al"l~ v.tenc1ant
HaU-J(1m))rell, .&14 l.)(.fenc1ant.. hlav" hUed .,nd/ol'
r.fu.1:4 to eUect1v~:'y U$ess l\nd u:~."j)' thll
det.cU tI..ool.ted '~1th tn" ~llC\:1luex all(\ Sportlrlg
11111 .!'oj.cu.
Here, it 18 importlnt eu r,ote tholt .eran.yl.....n1. 11 . "hQt
pl.adln9" atat. 1n wh1c:h p].llntUf. Ate n~\Ah'o.s to plea4
.peoUlcally the facu underly1fl9 tn,,~::, ClA1.ma, 'rhe..
paragraph' oontain the only fActo "nd811y1n9 plaint1ff'.
olalml tbe U.. of MA.t1-.clv o~~.e4 propvrty dl~~. Ir~
l1ngerJ,ng, lIox1ou. o4ox., l'~')Oco'. faUu:" to Ichhve
t1-.1y, .~bet.ntl.1 oompletlon ot tn. ~rojeot, ~enoeo"
deleolivo work and 'anoco'. f~11urO to honor it. gu.r.nt....
Th. 'touobnona tot 4.,0141n9 whllth"l" an lnaurer h.~ a duty to
4efend 1. tb. polioy lang~.ge, Mer.. there are .ev.ral
relev.nt pou.oy plo'lli.1ona wh1.c11 uxcluc1e phlntlff', 01.111I.
Ia-olll ClOyerage.
'lU'i tha projaClt appl1od1oll .ubllliue4 to ""XC l1aU thx..
.oboo . fo~ tb. Cumberland Valley ach~l ~l'trlot pro,.ct,
.ohaull &lementary, H~~.n El~ment&tY, and Mid41..ex
11ementuy. T!lvre 1. no rehrenet .Ln thfl (Iug1nal pro,.ct
" .
,
,~
I"""
.
14wax4 Ilan.rlk, I.,.
J~bal1rar, ~a~bac~i Nol1.~,
.wa18h, Voung . I ~nArlk
NoyQmber 24, 1992
.av. 4
.ppl1C&tlon or any .ub,.qu.r.t .ppl!cat1onl to t~. spo~tln9
H.LU alenlfln\.ary lu11001. A(:corcUn'11Y, tll4\ w(.rlc. putor/llo4 at
IpOI'Unq H111 Ilhrnent&ry school h no~ .ub~e<:t to tM polley
and BRIe h.. no duty to defend .qalnR~ clal~' tel.teG to or
ar181n, uut of that ~rk,
..oond, ..ra,r.ph 2(/11) exol~4.. from oov.r~gel
"proplU'ty cSaIl\&ga" ';0 11111ldn4 propeny or propGlny
that ha. not been phy.loal1~ l~pA!red 8r1$ln9 cut
Ofl
(1) "defoQ\., cSdj,o~.lIcy, 1f1a~otJuacy or dangerous
ocm:\1t1.on 1n "your prO\1u;t" (Ir "yol.lr work" I
or
(2) A "elay or hnl.l~'e '01 YOl.A CI~' ":Iyone ac;Ung on
your l.I"hlU to p"dorm a COIIUAct or
119r..mant in "C~c;~'4olrl'a 'I/1\.h 1~:i toO/mat
'1'h1.a axclu.lc.n dOQlI not apply to t~.1'J los.l o! US"
of other ,~oper\y drl~ir.v out ~~ ~~o $u~~cn an4
aQaid.ntal. phyaleal lr.jury "0 "your pro~u~t." or
"YOIII wcnll." Iher lt ...u bOelll PU\~ \;,0 1u j,nUMO~
u...
~ny property 4all\ftCJ. 0&"".4 by a ~11l.\IU to OO/f.p1ete "he worK
in . tlrnelY, .u~.\.ant1.I IlIann.r oo"",,).t\,;\:ot1 . dalay OJ'
'allure by ~'ha !nlluucS or lJOI'Ilaor.e .cdn~ 01'1 ih b~ha1f to
~wrform the eo~~rac~ or .It..ment ln .~oordanc. with It.
Cerm.. ThiA', 01.1'111 ar1a1n~ un4tr ~hat -:.')lII:UClt, b1l3f14 on
I" Alhge4 hHun to 1J0000p.\eU tl.e work ,HI. Ull\4Ily a:l"
aubatahc181 f..hlon (or .~ ochar btea=h 01 ~.trar.t~.. or
promi.e. mild. under t~.t oontract), Are ~xolud.4 ty
Jlara9upb 2 (l'Il) .
In a4dition, par.,ui'h 2 (IU: exclut1.. I t:on, CCI'Iltug.
plaintlff" ol.1m. chat 'anO~Q" WOl~ we. defectiva.
'....OUJlh 2(b) of tbe COIMIucl.1 a.mo....l UabUity c~..,.ara-3.
rorm ,rov14.. \~.tl
Thl. In'\Iranc. doa. r.~t Ip~11 tOl
. . .
.
. "
.
U'.w~
...',.
..... ....." ..."~ .......
.. -..-.. .. ....
...
Idward .1an.rl~, leq.
~uba11c.~, a.~bao~, Noll.u,
waleh, YoulI~ .. ahnt\r1k
November 24, 11'2
Pa9' ~
b. "Bodily inj\&ry" or "propertV da,il!\~'" for
which tho ih'U~.4 1. oDllga~.a to pal ~amAg..
b~ uason of 101141 aU\lmpt1ofl or \tAb! ity 1n a
cont.ract 01' agccom4t"t.
That p'~'9I'aph aKol\l~'. eovwra~e tor Any 1.sumptlon of
liAbility In a c:onttoftQ\: or .iln~ment $\:oh AS guanntoo.
h.uecl by t.nc.c.:l 1;0 tho Scl'll',lol Dhcr1oCt,
'Uttl'l.t, the eo~w.ro1al General Li!otllt.y Covelago Form
whioh IIttftchu to PenCleQ polley m./I)ber 142ll eontAln.
pollu\:10n Itx~ludon "f" wMcl) stAt.ell:
Thi. lnauranee doo_ not ~pply tOI
C 1) "BodUy .1n'u~'y" 01' "property dl:lmi'i1,)" arhlng
out of t.he aCl;ulll, allC,o~f,trj oz thr.,ateliec1
dhchar9o, d1api('rllla~. roJ.e.Utl 01' eltCl\I'O Clf
pollu;An~., however. Wh~l~VQl ~f whvnuver
ocounir.~, a,,4 lIy wt,onlovftr C~IJSf~ or allogc~
to have been c.~~.4.
PollutAnt matln. ,my ,'o1i~, :U~\,\I~. ga.eolJI or
tharmal .in 1\;cmt. or o;-nt;l\rn1.nant, .tnolu411\~
.moke, v"POto, '(I~,". {II"'...., L\01(\., a:'ksl1l,
ohamica". a04 w...e.. W"ate 111clu~el mat.eria1
to be recycled, reo"n41t.1oned or rOQlailllod.
Ca) M. or from p&..1t,1.e~ you "'.m, lo"cmc or
ocoupy,
Cb) At or fro~ any tita or luoation USed by
O~ fur you or ct~.rl for t~. han411n~,
atorago, di.po.ol, ~:oc~..1"~ or
t.re4~ent of WAlto,
,eJ WhIch are at. .ny tlme u.nG)Y.ll'ted,
handled, .to~ed, t.reated, dllpo.ed of,
or proo..*ed .. wa..te by or for yo~ or
any ...r:IOh or Qr9.1I1&a~lon for whO/ll you
m.y be legally r..pon~tbl., Or
',U At or: 1.0ff! allY .lte en" lOO,UOII on Whlch
you or any con~r.oto&. Qr *ul~ont:'Gturl
wVI'ki"9 d1neU)' or 1ueUrtctly ~n )'0\&1'
behalf .ro Ferformln9 ovotatlonll
. ''1 v ..
.
,--
,
, .
. -
~
'L''-'
("I
Idwac4 .1anatl~, S.q.
~~bal1r.~, ~.yb.ck, Nollau,
Wal.b, Yo~n9 , Dl&n~rlk
November 24, 1992
Page ,
U, 1~ '-he pollutanU are bl'ou'lIht on or
~o th. .1 foe 01' 100aU.on 1n
oonnect.loll w1th .u.:h oper.1\t 10na, or
tU) U tl'lo op.t...~l.:>n~ II!:. \:Q tnl: fur,
Monl\:or, olelln oJp, ~6m.,)\'e, CQn~a1I1,
tnat, ".tolC1ty ",r Mu.,:ulhG the
pollutant:...
(2) "r.y 10..., GOI\: I):; oxpon'lll uh!,n'J out ot any
9~v.l'nm.ntal dl1.'C,c"l~:1I uc '&OC1'AO'~ that ~'O\:
t.... for, nlon1tClL', chi"" up, l(;:IIIO'J~, contain,
u.at, deto~1ty ':lJ.' neuua111.\I l~" p:>ll~tf\IiU.
1'011uunu rr.unro ,1mi' lIuli<1, ll>:j'.'.lc1, 9,~seou,
or thermal 1tr1tAnt or contaminnnt, In:lu~1nv
.:IIolt,a, v.por, a~ol:., flolWtll, 1lC':~<1S, _1",(a111,
chem1Q.l~, 4nd WAst.. Wan~e l~a~ud~~
InAter 1al.:l to ~e U~cycl'J", r'll;:or.<:H 'aol\et.\ or
r.cl.1U1Cld.
10. noted, rtl..oll.bl~' I'\.H&d, ~ho :131,,'.11 A,.c::e~ in th~
COIlIpla1nt an buet1 \(I\')lly 1)0 tho. h~rr.l c.I.:''',~ by thct ":o1aat1-
aolv" .olvant wh10h w'\s \l3ed by l":I~I'::' cl,\r j,n',j \.ne A!lbe.t().
")Jat,,mont pSQject c:ond\olcf.o::c.'l ~.,r th~ S=I~:,O:~ o~.tr.i.ct. '),'hh
.olvent 111 a ""ollut"nt" o!\]; d-.: Un34 \ll~',hll: ~1'I(' p?11cy.
~ooo1:'dln91.y, tM poll~t1or. e:<o:l\ls!.on 11,\ U r:reQludl'l cover.ge
for .ny c1a~1I\ f\r1:11n~ oul; ~h'l UM ~If l"lllllt!.-l',;)'lv.
Her., 1\ 1, wor~h nQtln9 that, anli~4 som. court.,
S'annllylvan1a courU l'IAve 'hAl<1 t.h.t t'l. aUnl.1l1s4 "pol~\lt10n
exo1u.1cm 01.\1.... 1e '..nMl!:)J.~uou. and, th.,etor., muat );le
lnterpreu4 ... writtan. ~<?,!!!, ,..,9,(' H9.~!~.1..,1.M.S.4im-tlm.'-~..l.
v..J.~_:~XAn.\.u..s2.~' _~., ~,~" :lnC'a. supflr.
IIUTI--x'Ul.! Jfi:"~.221'.!l'l % M. v. Mal"',. ~.. n2Y..unClC'-~O,
)). Pa, IUpu.- r; U7 ~.t4-.lf20 'liO'\)";- ~J"t'ALc!.!j\li~
AcOordingly, 'anr.tY4...tnl& cou:U will n~Jt "stlu991e to
0''''1:-. aftlb19",1tY 10101f tor the p"'~'PQ'4Il of un4U9 covoug.
wh.ra nonG eIChu." A,g. ae 12, 481 A,2d at n~.
'l'l'IU ",,,,1,e o! Clc.neUlJct\Ol\ 18 tullY _r,pl1l:ublC1 in c1tterllllnll\?
whatbal' . paU10IJlar a\lbuar.co 111 . ilolluunt IJn4er tl'le
110](. l. c.1.a.t~~j1.~~:\.~Lln1.U.~.J,\~"-' \I~
~ iL'~'<Xl...1.' c:.~':91.)~4f;-u-:-s.',Ct.
,1.' IJQ\ltl'. )~. "b.,3', 1992 u.s. I>1.t. texla U461.
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Walth, Yo~n~ , >>lAnarik
NoY.m~tr 24/ 1992
. Pa9- .,
Har., ~.a4 .. written, th~ u~Amb1~uou. 1.ngu~9' of tho
poU\ltlon exolull\.on claorly vxundl6 to ~lutl.801Y, thv
e"bet.noa whioh Ql\uaecS tolle 11l1rm l,/(lmpltllllecS of 1n the
Complaint &oalnat '.noco.
'1ftany, the .lfol\ldon 1n rU'a~uph 3(n) "PPUrI t.o applY t~
the olelm. the lohoo1 D1.tr1o~ lo.t U.. ot .9hool roa~ and
b\l114lngs a. . ~e.u1t of PenQCo'. c~nduct. ~h.t p.r.~r.ph
exolud.. tliOlft o\)yea&'iol
Dameo" clalmo~ tor any 10../ co.~ or ~xp.na.
1nc:ulol.'e4 br rf,)U 0&' 0';.11-,1';.1 re.r the 1,I'IS of \I.e,
wlthcS,:..,..al, recall, 1IVJ~.ct 101\/ r.--pa1r,
",eplacooment, AlSj\,\~\.It;llllt, romt)vla:t. or. (Uap~'8Al of:
(1) "your procS\lct" I
13l "your work", or
(3) "lmpahec1 pro~wll;~"1
it Iluch prOc1\lc:t, work or P&Of.:!l't~. H wlth4ta'"r. or
recalled fl'om ~h. malle",!: or Cl:OI;l U>fd bf Ant f"non
ox ol'~_nlzatlon tec:au!o ~~ _ know~ or s~'peote~
d.f.ct, deflo1.ncy, lnad~qu&~y or ~~n~~roa.
conditlon ~n It.
The acbool bullcU1I9' at Mld~l~lIl)lC alld spoP;tln~ Hl1.1
Zlamonuxy School. would "'l)POU tu kill "llllpa1.u4 propOlt)'''
'II.' cSaUnition on plge II ot tOO Cc.vou". FOHJ) whioh w'"
wlth4rawn frOla "'.. "bG::J"UU 01 & kru)wn C.f elJar-"cted datect,
4eUclancy, lna".quacy or dan'Joroua o~lvlU lon 1ft 1t," Th\lt /
ocverage WQu14 a180 b'lS vrt!c\u~e(\ \On401' t,1118 prQy1t1on,
Tha,!o~.iolng 11etln9 o~ p~ovil~~n. W~lC" 11~lt or preolude
C1overag... 1.0 not naoell.tu..lly ex!,au.Uvt, )loth1n9 cClnulnOd
bo~.ln .hall be de.meG a wllvel' or oomprom1'. of ~~!C'.
~10bu, ~a"wuu... 01' c:h,ferl'u ..nd lIo~hlny .tloUl prCl~1\l4' IIue
fx~ft 1'''1.1.1'19 .d4ltl0nal 1.tUf' wlth la.~ct to ..tter. Qt
ooyarage.
....4 on tha ,~v" it 1. Qut conolu,lQn that pl.~ntll'"
olalN a,aln.\:. P.noCo ." ...:. tonh 111 thO cornplaln~ Whi0h
b.. baen tl1ed 1n the ,,~ov.-c~ptjon.4 oa,. &1'0 .xclu~.d fro.
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unable to form a belief al to the truth or flllity of the remaining allegltionl
contained in parlgraph Ilx 18), Tho.. Inegltionl are therefore denied and Itrict
proof thereof demlnded It trial,
7, Denied, The Inegltlonl contllned in plrlgrlph leven m conailt of
conclullonl of IIW which require no rl.pon.e, If, however, they are deemed
flctUII, thay Ire dlnied,
8, Denied, The Inegltlona contllned In plrlgrlph eight (8) conailt of
conclullona of IIW which require no reapon.., If, however, they Ire deemed
factuIl, thev ere denied,
9, Admitted,
10, Denied, After rellonlble Inveatlgltion, defendlnt ERIC il uneble to
form I belief II to the truth or flllity of the Inegltionl contllned in peragrlph ten
110), ThOle IlIegltionl Ire therefore denied Ind Itrict proof thereof de mended It
trill,
1" Denied, After tellonlble investigltion, defendlnt ERIC II unlble to
form I belief II to the truth or flllity of the Inegltlonl contlined In plrlgrlph
elavln 111), ThOle Inegltionl Ire therefore denied Ind Itrlct proof thereof
demlnded It trill,
12, Deniad, After rellonlble inveatigltlon, defendlnt ERIC il unlble to
form I belief II to the truth or fallity of the In8gltlonl contlined in parlgraph
twelve 112), ThOle allegltlonl ere tharefore denied Ind .trict proof thereof
c1erNnded It trill.
13, Admitted,
.2-
14. Admitted,
115, Denied. The IlIegltlon. contllned In plrlgraph flhaen 115) c:on.l.t of
conclu.lon. of Ilw which require no rl.pon.e, If, however, they Ire deemed
flctull, thlY Ire denied,
18. Admitted,
17. Admitted,
18, Denied, After rel.onlble inve.tigltion, defendlnt ERIC I. unlble to
form I ballef I' to the truth or fll.lty of the IlIegltlon. contllned In plrlgraph
elghte,n (181. Tho.e IlIegltion. .re therefore denied Ind .trict proof thereof
de minded It trill,
19. Denied, The IlIegltions contlined in parlgraph nineteen (191 con.i.t
of conclueion. of law which require no r..pon.., If, however, they Ire deemed
flctual, they Ire denied, It i. .pecifically denied that the amount of .uch judgment
would be I lOll within the coverlge provided by the policy, To the contrary, the
project out of which the litigation aro81 is not covered by the policy, In addition,
even if the project i. covered by the policy, any judgment would be .ubject to
variou. e)Cclu.lon. contained in thl policy,
20, Denied, It is denied that if the defendant. contend that the in.urance
policy doe. not provide coverage for the 10.... claimed herein, then the policy I.
iIIulory,
21, Denied, The IlIegationl contlined in paragraph twenty-one (21)
conlilt of conclulions of law which require no r..pon..., If, however, they are
d..med flctual, they ere denied,
- 3-
22, Denied. The allegltlon. conteined In paregraph tWlnty-two (22)
Clon.l.t of conclu.lon. of law which require no re.pon.e. If, however, they are
deemld flctual, they Ire denied,
23, ERIC Incorporlt.. by ref.rence It. anawer. to the 11I.getlon.
cont.ined In parlgrlph. one (1) through twenty.two (22) II If fUlly lit forth herein,
24, Denied, The 11Iegltlon. contained in paragrlph twenty. four (24)
con.l.t of conclu.lon. of Ilw which require no r..pon.., If, however, they are
d.emed flctual, they Ire denied,
25. Admitted,
28, Admitted,
27, Denied, The IlIegation. contained in paragraph twenty..even (27)
con.l.t of conclu.lon. of lew which require no respon.e, If, however, they are
deemld flctual, they are denied,
28, Denied, The allegation 1 contained in paragraph twenty. eight (28)
con.i.t of conclusion. of law which require no response, If, however, thay Ire
deem.d flctual. th.y are deni.d,
NEW MATTE"
29, Th. project .pplic.tion submitted to ERIC by Plaintiff in applying for
the policy at illue in this ca.e listed thr.e Ichools for the Cumberland Valley
School Di.trlct prOject. Schau II Elementlry. Hampden EI.mentary. and Mlddl..ex
EI.menttry,
-4-
3. PlalntlfJ, Penoco, Inc, , obtallned albeltol abatement Inlurance coverage
from defendant, Envlronmentall Rllk Inlurance Company (ERIC), on or about May 15,
1880. Defendant, McDonough Caperton Inlurence Group, wal the broker In that
tranuctIon,
4, Plaintiff, Penoco, Inc" entered Into a contr~ct with the Cumberland County
School Dlltrlct for the purpole of asbeltos abatement In 1992,
5, leter that lame year, the Cumberland County School District tiled a lawluit
againlt, among othe,., plaintiff, Penoco, Inc.
e, Subsequently, plaintiff, Penoco, Inc.'s, claim for defense and coverage was
ultimately denied by ERIC,
7, Plaintiff, Penoco, Inc" now seeks relief from this Court In the form of a
declaratory jUdgment action and more specltically:
(a) Declaring that the claims for which Penoco, Inc.
seeks Insurance coverage are covered under
the Insurance policy;
(b) Defendant, ERIC, under the terms of the policy
of Insurance at issue, is obligated to defend or
COver the plaintiff for any claims or lOllel
arising out of Itl conduct on the Cumberland
County School District project;
(c) COlt of this action be awarded to plaintiff,
Penoco, Inc,; and
(d) Such further relief a8 the Court may deem
pro~r end eppropriate.
., /0'., I 2
Ii,' ,';'r;;"~ 'If,j'/,W',ln:: ' ,I
I. DElllIRRlR: PA. R, CIV. p, R. 1QZItIlW
8, Paragraphs 1 through 7 ahall be Incorporated by reference al If let forth
In full,
9. At all relevant times, defendant, McDonough Caperton Insurance Group,
was the insurance broker on the transaction between plaintiff, Penoco, Inc" and
defendant, ERIC,
10. Defendant, ERIC, iaaued a commercial general liability policy to plaintiff,
Penoco, Inc., as the named insured. The polley number is 14211 and the Initial policy
period was from 5/15/90 to 5/15/91.
11, The subject polley defines "Company" as Environmental Risk Insurance
Company, a risk retention group,
12, All of the rights and duties between defendant, ERIC, as the insurer, and
plaintiff, Penoco, Inc" as the named Insured, are contained in said Polley No, 14211 and
flow directly between those two parties,
13, Defendant, McDonough Caperton Insurance Group, is not a party to the
Commercial General liability Policy No. 14211,
14. Plaintiff, Penoco, Inc" now seeks relief as a named insured under the
subject po'icy iaaued by defendant, ERIC,
15, Plaintiff, Penoco, Inc., now seeks relief under the subject policy to which
defendant. McDonough Caperton Insurance Group, is not a party,
16, Plaintiff, Penoco, Inc" now seeks relief where even if granted by this Court,
defendant. McDonough Caperton Insurance Group, could not be held liable,
",101"",t
3
30. Admitted in part; denied in part. It is admitted only that the oriainal project
spplicalion did not specifically identitY Sporting Hill Elementary as an individual project, It ia denied
that Sporting Hill Elementary was not referenced on any subsequent applicationa, To the contrary,
documentlition exiata which establishes Defendant ERIC's knowledge about the Sporting Hill
EIernentary project and that Sporting Hill Elementary was reviewed in detail durins construction by
a representative from Defendant ERIC, By way of further answer, see Reply at Paragraph 29,
31, Denied, The averments of Paragraph 31 are conclusions of law to which no reaponae
is required. To the extent a responae is required, the averments are denied, It is specifically denied
that bee.lae the Sporting Hill Elementary project was not identified in the origilUli project application,
the work performed at Sporting Hill Elementary School is not subject to the policy and Defendant
ERIC has no duty to defend against claims related to or arising out of that work. To the contrary,
and for the reasons stated in Plaintift's Complaint, as well as Plainlift's Reply to ERIC's New Matter,
the work performed at Sporting Hill Elementary is subject to the policy and Defendant ERIC has a
duty to defend aBainst claims related 10 or arising out ofthal work,
]2, Denied. The said policy speaks for itself.
33. Denied, The averments in Paragraph 33 are denied in that they lUempt to characterize
the Complaint. To the contrary, the Complaint speaks for itself.
34. Denied. The averments ofParaaraph 34 are conclusions oflaw to which no response
i$ required. To the extent a resJl<'nae i5 required, the averments are denied. It is specifically denied
that "Masti-Solv" solvent is a "pollutan'" as defined under the policy.
~
35. Denied, The averments ofPlII'1IlVIPh 35 are conclusions of law to which no responlC
is required. To the extent a response is required. the averments are denied, It is specifically denied
that the pollution exclusion applies to the alleged damage caused by efforts usociated with normal
ubestos removal,
36, Denied, The said policy speaks for itself.
37, Denied, The averments of Paragraph 37 are conclusions oflaw to which no responlC
is required, To the extent a re'ponse is required, the averments are denied, It is specifically denied
that exclusion at Paragraph 2 (m) has any application or relevance to the instant litigation, By way
offurther answer, any delay was unexpected and unavoidable; however, all work was performed in
strict compliance with the design professional's requirements, The only consequence of tile additional
time was the requirement that Plaintiff pay liquidated damages, No claim has been userted; no
damage of any nature has occurred IS the result of untimely performance by Plaintiff and no coverage
is beina soupt pertainina thereto,
38. Denied, The averments of Paragraph 38 are conclusions oflaw to which no response
is required, To the extent a response is required, the averments are denied, It is specifi(.a1ly denied
that the exclusion at Paragraph 2(m) has any application to this litigation for the reasons stated in
Paragraph 37. By way of further answer, Plaintiff is not seeking reimbursement for liquidated
damages paid by Plaintiff.
39, Denied. The said policy speaks for itself
40. Denied, The averments of Paragraph 40 are conclusions of law to which no response
is required. To the extent a response is required, the averments are denied. It is specifically denied
3
licensed insurance brokeral!e tlnn in Pennsylvania, Defendant. Environmental Risk Insurance
Company, Risk Retention Gruup ("ERIC"), is a duly licensed insurance carrier,
On or about June, 1988, Penoco contacted Defendant Wisotzki, the President of McDonough
Caperton, and requested asbestos abatement insurance .:;overage. A meeting took place at Penoco' s
offices concerninl! this coverage. At that time, Defendant Wisotzki represented to Penoco that
Penoco would not be able to obtain "Cadillac insurance" because Penoco had not been in business
long enoul!h and did not have sutlicient net worth Defendant Wisotzki directed Penoco to seek
lesser insurance which Penoco did through Commercial Casualty. Defendant Wisotzki informed
Penoco that the coverage obtained through Commercial Casualty was "no good" and only a "piece
of paper".
In 1990, Penoco had increased its net worth and contacted Defendant Wisotzki to obtain
"good insurance" In February of 1990, Defendant Wisotzki again visited Penoco's office concerning
!tsbesto! abatement coverage. At this time, Defendant Wisotzki was aware that Penoco was using
chemicals in its abatement process Defendant Wisoll.ki advised Penoco to purchase ERIC because
it was considered the "top of the line" and "Cadillac" insurance for the asbestos industry.
Penoco relied on Wisotzki's representations and purchased. a policy from ERIC, effective May
IS, 1990, through March 24, 1994. Penoco purchased the ERIC policy for the express purposes of
providing coveral!e for losses incurred as a result of the removal of asbestos by chemical means
On October IS, 1992, Cumberland Valley School District instituted a civil action against
several defendants, including Penoco. An Amended Complaint was filed by Cumberland Valley
2
law will not permit rac:overy by the plaintiff, Patton v, ReDubllc Steel COrD" 342 Pa,
Super, 101,492 A,2d 411 (1985),
In the inatant action, the plaintiff has failed to plead any theory of law which would
aupport recovery againat defendant, Craig W1sotzkl, in his individual capacity, At all
relevant times subject to plaintiffs complaint, Mr, W1sotzkl waa acting within the courae
and acope of his employment as the president of McDonough Caperton, Moreover, Mr,
W1aotzkl waa an agent of McDorlough Caperton, Mr, W1sotzkl at no time acted
individuaUy or on his own behalf,
Agency is a consensual fiduciary relationship which exists between one peraon
who acta aa an agent and agrees to act for, and under the direction or control of another,
the principal, Restatement (Second) of Agency S 1, Mr. W1sotzki as an employee of
McDonough Caperton, was under the control and direction of McDonough Caperton in
its relationship with the plaintiff, Moreover, averments of fact, such as agency, are
admitted for purposes of preliminary objections in the nature of a demurrer. ~ ~
LOl$inaton Lumber & Millwork Co. Y. Pa. Publishina CorD., 451 Pa, 154~.301 A.2d 684
(1973),
Accordingly. plaintiffs claim is against defendant, McDonough Caperton, and not
against ils agenl. Mr. W1sotzki, Therefore, plainliffs complaint should be dismissed as
to defendant, Mr, W1sotzki, for failure to stale a claim upon which relief may be granted.
,. nIOIt,
3
~
.
,
II. IN THE ALTERNATIVE, PLAINTIFF'S COMPLAINT SHOULD BE DISMIUED
FOR INSUFFICIENT SPECIFICITY AS TO ITS CLAIM FOR FRAUD PURSUANT
TO PA.R.CIV.P. 1028(a)(3).
Plaintiffs complaint alleges fraud as against the defendant, McDonough Caperton
and Mr, W1sotzkl, Moreover. the plaintiffs complaint falls to plead the neceaaary facta
or elemen~ to support such a claim, Pennsylvania Is a fact-pleading state and requires
that a plellding define the issues, and every act or performance essential to that act
must be set forth in the complaint. CItv of Philadelphia v, Kane, 63 Pa, Commw. 643,
438 A,2d 1051 (1992). Rule 1019(a) statea that the material facts on which a cause of
action or defense is based shall be stated In precise and summary form. As a minimum,
a pleading mUllt set forth concisely facts on which a cause of action is based, Cianfranl
v, Commonwealth, State EmDlovees Retirement Board, 505 Pa, 294, 479 A,2d 468
(1964), MOleover, a complaint must not only give the defendant notice of what the
plaintiffs claim is and the grounds upon which it rests, but it must also formulate the
iHues by summarizing facts essential to support a claim, Sevin v. Kelshaw, 417 Pa,
Super, 1, 611 A.2d 1232 (1992), In addition, allegations of fraud must be pled with
particularity, Pa,R.Civ.P. 1019(b),
The elements of fraud are (1) a misrepresentation; (2) a fraudulent utterance of
it; (3) the maker's intent that the recipient be induced thereby to act; (4) the recipient'.
justifiable reliance on the misrepresentation; and (5) damage to the recipient proximately
caused by misrepresentation. Sevin v, Kershaw. sUDr~.
IJt,.... f
4
~
Plaintiff has .imultaneously filed a declaratory judgment action /n this Court
entitled, "Penoco, Inc, v, Environmental Risk Insurance Company, et ai," at No, 94-5933,
"amlng McDonough Caperton as one of the defendants, Both lawsuits arise out of the .
.ame uan.actlon or occurrence and arise from the same set of facts. Pla'ntlfr.
complalnta atem from the subject insurance policy IsaUed by ERIC, Further, plalntltr ..
easentially aeeklng defense and coverage under the subject policy and ,. therefore
requesting the same relief as to both laWlulla, Moreover, the previous act/on, docketed
at No, 84-5933, has not been dismissed or discontinued by this Court,
Therefore, the instant act/on should be dismissed or stayed because of the
pendency of the declaratory judgment proceeding currently before this Court,
IV, IN THE ALTERNATIVE, PLAINTIFF'S COMPLAINT SHOULD BE DISMISSED
FOR NON-JOINDER OF A NECESSARY PARTY PURSUANT TO PA.R.CIV.P.
1028(A)(8).
The instant lawsuit, as well as plaintiff's complaint filed at No. 94-5933, result from
the denial of a defense and insurance coverage by plaintiff's insurance carrier, ERIC,
"
However, plaintiff has failed to name its insurer, ERIC, in this action. The defendants,
McDonough Caperton and Mr. Wisotzki, as its agent, only performed brokerage services
and did not act as an insurer, nor were they a party to the subject policy.
Under Pennsylvania law, a party is necessary and indispensable only when its
rlilhts are so connecled with the claims of the liligants that no decree can be made
'11:1OOO,J
6
,
,
between them without Impairing !Iuch rights, Commercial Banklna CorD. v, CUID, 297 Pa,
Super, 344, 443 A.2d 1154 (1982), In the absence of Indispensable parties, court lacks
jurlldlctlon over matters before It. Hart v, O'Malley, _ Pa, _,647 A.2d 554 (1994),
ERIC Is the Insurance company who Issued the insurance polley to the plaintiff,
Moreover, ERIC Is the party who ultimately denied plah,tlffs coverage and defense
claim., Aa auch, ERIC Is Integrally connected with the plaintiffs, claims agalnat the
defendant Inaurance brokerage that Its rights could potentially be prejudiced and/or
Impaired by any decision In this ca.e, the basis of which will be the entire transaction
aurroundlng the subject Insurance policy, Including ERIC, the Insurer, plaintiff, the
insured, and defendants, the broker. Therefore, In order for this Court to reach a full and
tlnal resolution of plaintiffs claims, ERIC Is a necessary and indispensable party to this
action.
Therefore, plaintiffs. complaint should be dismissed, or in the alternative, amended
to Include ERIC, a necessary and Indispensable party,
Respectfully submitted,
MEYER, DABRAGHrB)' LER,
BE~K~& ECK
/'
1'/
! . By -,q-.,-~-,.__,
DONALD' EB ,
MIKE ADAMS, SQUIRE
~
--:;r 7r f
Attorney to, Defendants,
McDonough Caperton Insurance
Group a/kJa Acordia Insurance
and Craig Wlsolzki
."..,
7
~
,
covel'llge and caet of defense from ERIC, This claim was ultimately denied by defendant
ERIC,
Thelnlblnt declaratory Judgment action walllled and the plaintiff now '"lee rei,.,
from th" Court, alleging that under the terml of the Inaurance POlicy at /saue, the
defendant, ERIC, " obligated to defend or provide coverage to the plalntfff for any cia"",
or lot... arlalng out of It I conduct on the Cumberland County School D"trIct project,
Defendant, McDonough Caperton, only acted aa the Inaul'llnce broker In the
....n..ctIon between the plaintiff and the defendant, ERIC, and waa nover a party to the
lnaul'llnce POlicy at ISlue, The re"ef now lought In thla action by the plaintiff cannot be
properly ....rted or ultimately satllfled by McDonough Caperton, a non-party to the
Inlurance contract. Accordingly, plaintiff hal failecl to state a claim Upon which relief
may be gl'llnted aa agalnlt defendant, McDonough Caperton,
II. ARGUMEtU
THE PLAINTIFF'S COMPLAINT SHOULD BE DISMISSED FOR FAILURE TO STATE
A CLAIM UPON WHICH RELIEF MAY BE GRANTED PURSUANT TO PA.R.CIV.P.
102'(A)(4).
Preliminary obJeclions may be filed on Ihe grounds of regal insufficiency of a
PIe8ding, which is in effect a demurrer, Pa.R.Civ,P, 1028(a)(4), I/\/here the preliminary
objeclion ialn the nalure of a demurrer, il will only be auslained where the alleged faCia
PI1JQQ, ,
2
~
. ,
clearly faU to state a claim under any theory of law, SnYder v. City tJf PhllldeIDh'-. 129
Pa, Commw, CI. 89, 564 A.2d 1036 (1989), The question presented by a demurrer is
whether, on facta averred, the law states with certainty that no recovery ia po..lble,.
F14her v, WGT-Central. Inc" 163 Pa, Commw, CI. 551, 641 A.2d 681(19904),
It Is clear that the plalntlff has failed to plead any theory of law which would
enable It to recover against defendant, McDonough Caperton, The plaintiff has filed the
Inlhlnt declaratory Judgment Ictlon baaed upon an Inluranc:e polley IlIued by the
defendlnt. ERIC, The subject policy defines 'company" aa Envlronmenta! RIIk
Inlurance Company. a rlak retenllon group, Moreover, all of the rights and the dutlel
which exist between the defendant, ERIC, aa the Insurer, and the plaintiff as the named
InaUred, are contained In the lubJect policy and flow directly between these two partles,
The defendant, McDonough Caperton, acted only as the insurance broker on the
tranaactlon between the plaintiff and the defendant, ERIC. McDonough Caperton la not
the insurer under the subject policy, At no time was the defendant. McDonough
Caperton. a party to the subject policy,
In the instant declaratory judgment action, the plaintiff is seeking recovery all a
named Insured under the subject policy, The plaintiff alleges that defendant, ERIC, under
the terms of the policy at issue, is obligated to dofend or provide coverage to 'he plaintiff
for claims arising out of its conduct on the Cumberland County School District project.
Plaintiffs claim for relief Is by definition against the insurer of the subject policy because
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5, Paragraph 5 I. admitted,
8, Paragraph 8 I. admitted in part and denied In part, To the extent that the
allegation. in Paragraph 6 refer to a defendant other than McDonough Caperton, no
re.pon.e i. required, It Is admitted that McDonough Caperton has engaged in a
contlnuou. cour.e of business within the Commonwealth of Pennsylvania, All other
allegation. are specifically denied,
I
7, Paragraph 7 is denied. The allegations contained In Paragraph 7 cor.taln
legal conclusions to which no response is required, To the extent a response Is
required. those allegations are denied and atrlct proof thereof is demanded at the time
of trial,
8. Paragraph 8 is denied, The allegations contained in Paragraph 8 contain
conclusions of law to which no response Is required, To the extent a response is
required. those allegations are denied and strict proof thereof is demanded at the time
of trial. In addition, McDonough Caperton specifically denies that any "controversy"
exista aa to it.elf in this action.
9. Paragraph 9 is denied, The allegations contained in Paragraph 9 are
specifically denied as to McDonough Caperton.
10, Paragraph 10 is denied, The allegations contained in Paragraph 10 are
denied as stated and strict proof thereof Is demanded at the time of trial,
11. Paragraph 11 is denied, The allegations contained in Paragraph 11 are
denied as to McDonough Caperton in that, after reasonable inve.tigation, this defendant
is without knowledile or information sufficient to form a belief as to the truth of the
allegations contained therein, therefore, the same are denied and strict proof thereof i.
demanded at the time of trial.
fl200Illa ,
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12, The allegation. contained In Paragraph 12 are denied a. to McDonough
Caperton In that, arter reaaonable Inve.tlgation, thl. defendant la without knowledge or
Information lufflclent to form a belief aa to the truth of the allegation. contained therein.
therefor., the lame are denied and .trlet proof thereof la demanded at the time of trial,
13. Paragraph 13 Ie Idmltted,
104, Plragraph 104 il admitted.
15, Plragraph 151s denied, The IlIegations contained in Paragraph 15 contain
conclullonl of law to which no response il required, To the extent a rllponse la
required, tholl allegations are denied and strict proof thereof il demanded at the time
of trial.
18. Paragrlph 18 is denied, The IlIegatlons contained In Paragraph 18 pertain
to a defendant other than McDonough Caperton to which no responla II required,
17, The allegatlonl contained in Paragraph 17 pertain to a defendant other
than McDonough Caperton to which no responle is required,
18, Paragraph 18 is denied, The allegations contained in Paragraph 18 are
denied al to McDonough Caperton in that, after reasonable investigation, thil defendant
is without knowledge or information sufficient to form a belief as to the truth of the
allegations contained therein, therefore, the same are denied and strict proof thereof is
demanded at the time of trial,
19. Paragraph 19 is denied, The allegations contained in Paragraph 19 contain
conclusionl of law to which no response is required, To the extent a rllpoRle is
required, those allegations are denied and Ilrict proof thereof is demanded at the time
ot trial. In addition, McDonoUflh Caperton is not the insurer of the policy at illue,
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20, Paragreph 20 la denied, The allagatlona contained in Paragraph 20 contain
conclualona of law to which no r..ponae ia required, To the extent a reapon.. II
required, thoae IlIegltiona .re denied Ind atrict proof thereof la demanded It the time
of trill,
21, Plrlgrlph 21 is denied. The IlIagltlons contllned in Plragraph 21 contain
conclualons of Ilw to which no response la required, To the extent 8 reapon.. la
required, thoae allegations are denied and strict proof thereof is demanded at the time
of trial, In addition, the IlI8Oltions are apeciflcally denied as to McDonough Clperton.
22, Paragraph 22 is denied. The allegations contained in Paragraph 22 contlin
concluaions of law to which no response is required. To the extent a response i8
required, those allegations are denied and strict proof thereof is demanded at the time
of trial.
23. Defendant, McDonough Caperton, incorporates by reference its answers
contained in paragraphs 1-22 as if set forth in full,
24, Paragraph 24 is denied, The allegations contained In Paragraph 24 are
denied .s to, McDonough Caperton in that, after reasonable Investigltlon, this defendlnt
is without knowledge or information sufficient to form a belief as to the truth of the
allegations (;(lntained therein, therefore, the same are denied and strict proof thereof is
demanded at the time of trial,
25. The allegations contained in Paragraph 25 are denied as stated and strict
proof is demanded at the time of trial. In addition, McDonough Caperton has no duty
to defend plaintiff against any claims.
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28, The allegationa contlllned In Paragraph 28 .re denied aa atated and .trlct
proof la demanded at the time of trial. In addition, McDonough Caperton haa no duty to
defend and Indemnify plaintiff agalnet any clalme,
27, The allegatlona contained in Paragraph 27 are denied a. to McDonough
Caperton, and atrlct proof Is demanded at the lime of trial.
28, Paragraph 28 ia denied, The allegations contained In Paragraph 28 contain
conclualona of law to which no responae is required, To the extent a reeponH la
required, thoee allegations are denied and atrlct proof thereof Is demanded at the time
of trial,
~EW M~rrER
29. Defendant, McDonough Caperton, Is not a party to the policy between
Environmental Riak Insurance Company and Penoco, Inc. identified as Polley No, 14211
and identified as exhibit "A" in plaintiff's Complaint.
30. Defendant. McDonough Caperton, is not a proper party to this action
pursuant to 42 Pa, C,S,A. S 7531,
31. Defendant, McDonough Caperton, cannot be held liable as a matter of law
for the relief Penoco, Inc. is seeking in this declaratory judgment complaint.
32. Defendant, McDonough Caperton, in its capacity as a broker, has no legal
duty to provide defense or indemnification under Policy No, 14211 and identified .s
Exhibit "A" in plaintiff' a Complaint.
33, The plaintiff had previously negotiated insurance coverage through other
.gents and had reviewed insurance policies and coverages and, hence, was famili.r with
the s.me,
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34, The defendant put the plaintiff In contact with the Environmental RIIk
Inlurance Company, who IlIued a policy and .ubmltted the .ame to the plaintiff,
315, The plaintiff reviewed the laid policy and had no que.tlons with regard to
the lCOpe and extent of the coverage.
315, The plaintiff then proceeded under the terms end conditions of the policy
that wa. IlIued with full knowledge of the extent and limitation. of the coverage, Hence,
the plafntlff'a claim in thl. matter I. barred by a.sumptlon of the rl.k,
JURY TRIAL DEMANDED,
MEYER, DARRAGH. BUCKLER,
BEBENEK & ECK
By (/1tJ
DONALD W. BEBEN . ESQUIRE
MIKE ADAMS. ESQUIRE
Attorney for Defendant,
McDonough Caperton I~urance Group,
now known aa Acordia of Pittsburgh
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