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TAM SYSTEMS, INC.
1'lnlntilT
: IN TilE COUltT 011 COMMON PLEAS OF
v.
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION. L.A W
PENNSYL.V ANIA
MANUFACTURERS' ASSOCIATION:
INSURANCE COMPANY lId/b/nl
TilE PMA GROUP
Defendant
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CIVIL. 1iN" It,. ,11
JURY TRIAl. DEMANDED
PRAECIPE FOR A WRIT m' SUMMONS
TO: L.AWRENCE E. WEl.KER, PROTHONOTARY
Please enter my appearance on behalf of the plaintilT for the above-captioned
action and issue a writ of summons upon the defendant. Please have the SherilT serve said writ
upon the defendant at the following addrcss:
Pennsylvania Manufacturers' Association Insurance Company t/d/b/a
The PMA Group
500 North 12th Street
Lemoyne, Pennsylvania 17043
By:
Respectfully submitted,
IRWIN, McKNIGIIT & HUGHES
;;~~/:~/L--
Date: July !it 1995
J es D. lIughes, Esquire
upreme Court I. I). No. !i8884
60 Westl'omfret Street
Carlisle, I'ennsylvllllln 17013
(717) 249.2353
AlIorlley for 1'lnlutllT,
TAM Systems, IlIc.
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Commonwealth of Pennsylvania
County of Cumberland
TAM Systems, Inc.
VI.
Courl of Common Pleu
95-3606 Civil
No. .._____._.____________.....__._....._ 19____
Civil Action - L~w
In ____.________._______________________________
Pennsylv~ni~ M~nuf~cturers'
Associ~tion Insur~nce Comp~ny
t/d/b/~ The PMA Group
500 North 12th St.
Lemoyne PA 17011
To ____P~~I}!1.'~y_~y_l!tl_~!!__~.!1_l}l1_~~_qtl.!r.tl!-.!!~__ASsoci~ tion Insur~nce Comp~ny
t/d/b/~ The PMA Groupl
You are he..eby no tilled that
TAM Systems, Inc.
.__A______._._.__._.___________.___________...___.____---------------.--.---.--------.-.----.-.---
Summons - Civil Action - L~w
lhe Plalntlll ha s commenced an action In _____n____________.___..____________________..____.....
agalmt you which you are required to delend or a default Judgmenl lIlay be entered agalnll you,
(SEAL)
Dale ______~_\!_l_L~!..____.____... t9_~_~
LAWRENCE E. WELKER
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TAM Syst~ms, Inc.
VI.
Courl 01 Common Pleas
95-3606 Civil
No, ____________________u___ _______ .____ 19_.__
Civil Action - LHw
In _.__._._._..__._.___._____________.___.______
P~nnsylvHniH MHnufHctur~rsl
AssouiHtion InsurHnc~ CompHny
t/d/b/H Th~ PMA Group
500 North 12th st.
L~moyn~ PA 17011
To ____~~;~!1.~y_~y_~[1_~~__t1!'_~!l_{~.c:~.!!rm'J!~_.ASsocitl ticn Insurtlnce Compttny
t/d/b/d The PMA Groupl
You are hereby no tilled Utal
TAM Sys tt1ll1S I 1 nc.
...-..............-...-----------...-------....--...-----.------------.-.---------....--.-.-..-.-.
, s Summons - Civil Action - LHW
the Plalnull ha commenced an acllon In -----.--,-------.-----.------...---....------------.---..
agalllll you which you are required to defend or a delaull Judgment lIIay be entered agalnll you,
(SEALl
Dale ______~~~.1.L~!__________.___ 19_~_~
LAWRENCE E. WELKER
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COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
TAM SYSTEMS, INC.
v.
COURT OF COMMON PLEAS
NO. 95-3606 Civil
PENNSYLVANIA MANUFACTURERS'
ASSOCIATION INSURANCE COMPANY
t/d/b/a THE PMA GROUP
Civil Action - Law
PRAECIPE TO PILE COMPLAINT
TO THE PROTHONOTARY:
Please enter a Rule upon Plaintiff to file a Complaint
within 20 days hereof or suffer the entry of a Judgment of Non
Pros.
COZEN AND O'CONNOR
BY:
~IFE~G~~~~~R, ESQUIRE
Attorney for Defendants
RULE TO PILE COMPLAINT
AND NOW, this L LI-I (" day of J-lt (l(
, 1995, a RUle
is hereby granted upon Plaintiff to file a Complaint herein
within 20 days after service hereof or suffer the entry of a
Judgment of Non Pros.
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TAM SYSTEMS,INC.,
Plaintiff
: IN TIlE COURT m' COMMON I'LEAS OF
v.
: CUMBERL.AND COUNTY, I'ENNSYL.VANIA
:
: CIVIL. ACTION. L.A W
PENNS\'L.VANIA
MANUFACTUREI{S' ASSOCIATION
INSURANCE COMPANY lIdlb/a
THE PMA GROUP
Defendant
9!i-3606 CIVIL. TERM
JURY TRIAL I)EMANDED
NOTICE TO DEFEN~
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint. order and
notice are served. by entering a wrillen appearance personally or by allomey and filing in writing
with the court your defenses or objections to the claims set forth against you, You are warned
that if you faUto do so the case may proceed without you and a judgment may be entered against
you by the court without further notice for any money claimed in the complaint or for any other
claim or relief requested by the plaintilT. You may lose money or property or other rights
importanlto you,
YOU SHOUL.D TAKE TillS PAPER 1'0 YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A L.A WYER, OR CANNOT AFFORI) ONE, GO TO OR TEL.EPHONE
THE OFFICE SET FORTII BELOW TO FIND OUT WIIERE YOU CAN GET LEGAL
HELP.
Court Administrator
Fourth Floor
Cumberland County Courthouse
Carlisle, I'eunsylvanln 17013
(717) 240.6200
TAM SYSTEMS, INC.
PlalntllT
IN THE COURT OF COMMON PL.EAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL. ACTION . LAW
v.
PENNSYLVANIA I
MANUFACTURERS' ASSOCIATION I
INSURANCE COMPANY lId/b/al I
TilE PMA GROUP I
Defendant I
CIVIL. 1995
JURY TWAL. DEMANDED
~
AND NOW COMES the plaintiff, TAM Systems,lnc., by and through Its attorneys,
Irwin, McKnight & Hughes, to make the following Complaint, and in support thereof avers as
follows:
1. Plaintiff, TAM Systems, Inc" is a Pennsylvania domestic business corporation,
with its principal place of business at 1248 South Mountain Road, Dillsburg, Pennsylvania 17019.
2, Defendant, Pennsylvania Manufacturers' Association Insurance Company t/dlblal
The PMA Group, is an insurance company authorizcd to do business In Pennsylvania by the
Pennsylvania Insurance Commission with a principal placc of business locatcd at 500 North 12th
Street, Lcmoyne. Cumberland County, Pcnnsylvanla 17043.
3, On or about July 5, 1994. within the applicable policy period, the plaint lIT traveled
to the work site oftheir client Agmark. Inc, to make repairs on a grain auger unit (a grain
transportation device) which plalntilThad recently installed,
4, Prior to July 5. 1994, the aforementioned grain auger unit had been in operation
and put to its Intended use by its owner Agmark. Inc,
5. While aftecting repairs to the grain auger unit. a spark from the repair instrument
caused a dust explosion within the adjacent grain elevator unit resulting in incidental and
consequential damages to the grain elevator unit In the amount of $21.656.52, The grain elevator
unit had previously been completely constructed by plaintllTupon request of Agmark. Ine.
whereafter the same had been put to its intended use by Agmark. Inc.
6. As a result of the dust explosion to the adjacent grain elevator. plalntift's client,
Agmark, Inc,. could not continue with its sale and shipping of grain until the grain elevator was
repaired, At the request or Agmark, Inc,. plaintilTimmedlately proceeded to repair the grain
elevator at a cost of$21.656,52,
7, Immediately after the damages to the grain elevator unit occurred, plaintilT
provided prompt notification to the defendant ofthe loss, and thereafter, delivered to the
defendant extensive claim documentation and fully cooperated with the defendant In all ways
required by the insurance policy in submitting a claim,
8. Nearly five (5) months after submission ofthe claim to defendant, the plalntilT
received an Initial response ll'om one of the defendanl's claim representatives, namely Susan J,
Fellclano, indicating that the entire claim was being denied,
9, Despite repeated requests by plalntilTfor coverage under the aforementioned
commercial liability policy, defendant has refused such coverage without basis under the said
pollcy.
gnJNT I - BREACII OF CONTRACT
10. Paragraphs 1 through 9 are hereby incorporated by reference as though the same
were more fully set forth herein,
II, At all times relevant hereto, plaintiff was the holder and owner of a Commercial
General Liability insurance pollcy issued by The PMA Group. Insuring TAM Systems, Inc, for the
period June I, 1994 to June I, 1995, A true and correct copy of this policy is allached to the
Complaint as Exhibit "A" (hereinafter referred to as "Insurance Policy"),
12, In exchange for and in consideration for the coverage set forth in the Insurance
Pollcy, TAM Systems, Inc. was required to pay, and did pay, to The PMA Group a premium of
$29.880,00,
13. Said Insurance Pollcy provides that defendant" , , , will pay those sums that the
insured becomes legally obligated to pay as damages because of 'bodily iryury' or 'property
damage' to which this insurance applies," (Section I, Coverage A, "Bodily Injury and Property
Damage Liability" (I)(a) of said Commercial General Liability policy,)
14, Said Insurance Polley specifically provided Completed Operations Coverage for
loss sustained to operations completed by the Insured,
IS. Said Insurance Policy does not exclude coverage for IlIcidents of loss of the type
the plalntiO'sulTered, generally or specifically. in any portion of the policy.
16. In the absence of a specific exclusion of coverage for incidents ofloss of the type
sustained by the plaintiff, all ambiguities shall be construed in favor of the plaintilTinsured.
17. As the insurer of plaintiff, Defendant PMA Group has fiduciary, contractual and
statutory duties toward the plaintllTto negotiate their claims in good faith in order to arrive at a
prompt, fair and equitable selllemenl.
18. PlaintilT has, at all times pertinent hereto, fully complied with all the terms and
conditions of the Insurance Policy and all conditions precedent to the plalntilT insured's right to
recover under said Insurance Policy have been perfonned or have occurred.
19. Defendant has, without legal justification or cause, refused, and continues to refuse
10 negotiate promptly or fairly and or pay the plaintilT any monies whatsoever for the damages
sulTered as a result of the aforementioned loss.
20. By failing to make payment to the plaintiff, the defendant has breached Its
fiduciary, contractual and statutory obligations to the plaintiff.
2 L As a result of the aforemelltloned loss, and defendant's rcfusalto IndemnitY the
plaintlO' for the loss under the tenns ofthe Insurance Policy, plalntlO'suOered actual damallcS In
the amount of52l.656.52,
WHEREFORE. plaintin: TAM Systems, Inc., demandsjudHment aHainst defendallt,
Pennsylvania Manufacturers Association Insurance Company Vdlb/a The PMA Group. pursuant
to the aforementioned policy of insurance. in the amount of 521,656,52. tOHether with lawful
interest, court costs, allomey's fees, punitive damages and such other relief as this Court deems
fair. just and proper.
22. Paragraphs IthrouHh 21 are hereby incorporated by reference Blthoullh fully let
forth herein.
23. Defendant has violated its fiduciary, contractual and duties of good faith and fair
dealing by actinH in bad faith toward the plaintilTllI violation ofthe policy's implied covenant of
good faith and fair deallllll,
24, Defendant has acted In bad faith toward the plalntllTby "[II]ot allempllnll in good
faith to elTectuatc prompt, fair and equitable selllements of claims In which the company's liability
under the policy has become reasonably clear," in violation of40 P.S, "'117LS(a)(10)(vl),
25. Defendant has violated its statutory duty of Ilood faith and fair dealinll by actinllln
bad faith toward the plalntilTln specific violation of42I'a,C,S,A, <4'8371.
26. Defendant had no reasonable basis for denyinllthe plalntifi'its benefits due under
the Insurance Policy.
27. Defendant knew or recklessly disregarded its lack of reasonable basis In denylnll
the plaintill's claim under the Insurance Policy,
28. Defendant's refusal to meet its obligations as to the plaintiff under the terms ofthe
Insurance Policy constitutes bad faith conduct by the defendant allainst its insured and Is,
therefore. actionable under 42 Pa,C,S.A, <4'8371.
29, All oflhe acts and omissions of the defendant pertinent and relevant to this
Complaint took place after the elTective date of42 Pa,C.S,A, <4'8371 (July 1,1990) and within
elTective period of the Insurance Policy (June I, 1994 to June 1.1995),
30, As a result of the defendant's bad faith conduct as to the plaintiff, and defendant's
refusal to indemnitY the plaint lIT for the loss under the terms of the Insurance Policy, plalntilfhas
sulTered actual damalles In the amount S2I,656,52.
WHEREFORE, plaintiff, TAM Systems, Inc., demands judgment against defendant,
Pennsylvania Manufacturers Association Insurance Company tld/b/a The PMA Group, pursuant
to the aforementioned Insurance Policy. In the amount of$21.656,52, together with lawful
interest, punitive damages, all court costs and allorneys fees against the defendant as this Court
deems just and proper, pursuant 10 42 Pa,C.S,A, 04'8371.
Respectfully s IlIed,
IRWIN, NI liT & HUGHES
. lIullhes
preme Court I.D. No. !i8884
o Westl'omfret Street
Carlisle, Pennsylvania 17013
(717) 249.2353
AlIorney for PlalntllT,
TAM Systems,lnc.
Dale: February ZSl:'1996
~
The foregoing Complaint Is based upon Information which has been gathered by my
counsel and myselfln the preparation ofthls document. The language ofthe document may In
part be the language of my counsel and not my OWII, I have read the statements made In this
document and to the extent that they are based upon information which I have given to my
counsel, they are true and correct to the best of my knowledge, Information and belief. To the
eKtentthat the contents of the statements are that of counsel. I have relied upon counsel In making
this verification. I understand thaI false statements herein made are subject to the penalties of 18
Pa.C,S.A. Section 4904, relating to unsworn falsification to authorities.
Date: February t 8. 1996
EXHIBIT" A"
I .
COMMON POLICY \)ECLA\{ATIONS
PENNSYLVANIA MANUFACTURERS' ASSOCIATION INSURANCE COMPANY
POllCV NO. 029400-87-38-47-0
NMlED IUSIJllm
II
pnODUCER'B NMlf
I
TAM SYSTBMS, INC.
124B SOUTn MOUNTIIIN ilOilO
DILLSDURO, PII 17019
I.,
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,I
POllCV I'EIIIOO: Flom 06-01-94 10 06-01-95
1201 AM, Slanda,d lima a, you, "'ailing nddlo" ,hown abo,a,
DU81NESS DESCnIPlION,
MILLWRIGHTING
NAMED INSUnED IS:
CORPORATION
IN nEIunN ran HIE PAYMENI OF HIE pnEMIUM, ANDSUDJECI TO All THE IEnMS OF IHIS POLICY, WE ACIIIEE WlIH YOU 10
pnOVIDE II IE INSURANCE AB STATED IN THIS POLICY,
IIIIS POLICY CONSISIS OF HIE FOllOWING COVERAGE PAIIIS ran WlIlCft A PREMIUM IB INDICATED, THIS PREMIUM MAY BE
SUOJECT TO ADJUSIMENT.
COMMERCIAL PROPERTY COVERAGE PART
COMMERCIAL GENERAL LIAOILITY COVERAGE PART
COMMERCIAL INLAND HARINE COVERAGE PART
PREMIUM
1,470.00
25,009.00
3,401.00
$
$
$
FonMB APPLICABLE TO All COVERAOE PAIIIS:
SEE SCIIEDUlE OF ENDonSEMENIS
TOTAL $
29,880.00
COUtHEnSIGNED --~k~bJ _ ..,.
1001.1
( J~j {~~. ;~'I(J//'l'
(Autho,'zed n.p,...nt.II,.)
__ BY
CI'02 (03 001
PENNSYLVANIA MANUFACTURERS' ASSOCIATION INSURANCE COMPANY
I'lmMlUl\Il'A YMENT SCIIEUULE
l'reIllIIlIllI'IIYlllenl'lIIe paYllhle 11I1I1.llIe III lite LIIIIIP"IIY IInllte .Iale. IlIIli",I,'II,
l'nYlllenl Melltm!: MONTIILY, 10 EQUAL PAYMENTS
Illlle Illle I AlIlIlunl Type
06/01/94 $ 2,988.00 POLICY INSTALLMENT
07/01/94 $ 2,988.00 POLICY INSTALLMENT
08/01/94 $ 2,988.00 POLICY INSTALLMENT
09/01/94 $ 2,988.00 POLICY INSTALLMENT
10/01/94 $ 2,988.00 POLICY INSTALLMENT
11/01/94 $ 2,980.00 POLICY INSTALLMENT
12/01/94 $ 2,908.00 POLICY INSTALLMENT
01/01/95 $ 2,988.00 POLICY INSTALLMENT
02/01/95 $ 2,988.00 POLICY INSTALLMENT
03/01/95 $ 2,988,00 POLICY INSTALLMENT
I'AVMENT PLAN CODE 0 onoss pnEMIUM $
TOTAL STATUTOnV SUnCIIAnOE
211,080,00
I'ouev NO, 029400-87-38-47-8 ISSlJllIlTO TAM SYSTEMS, INC.
ISSlJl!llllV PENNSYLVANIA MANUFACTURERS' ASSOCIATION INSURIINCB COMPIINY
Illlle 1I\lIell 06-08-94
l'IHIIIHMI7 (NIiW 7 HI)
m:SIl;NA'I'ION OF 1'lmMISES SCIIEnlILl':
PENNSYLVANIA MANUFACTURERS' ASSOCIATION INSURANCE COMPANY
1'00lCYtm 029400-07-38-47-0
Illltlt. nl.un.
tWo 110.
(Sll ^"I'II()I'II~AI[I'OlIt:Y 1'1I0VISI()NS rOil covtnAl1\.SAl'l'lICAI1I.t)
11I:IIHlllflTf.UI'Ilt.HIBl':n
t^IHlIll:flfl, CI1'Y, BTATHI
OCCUllAtlCY
001 001 1248 SOUTII MOUNTAIN ROAD, DILLBDURG, PA
17019-9710
OFFICE, GAIU\GI'l
, BIIOP
001
002 124B BOU'1'1I MOUNTAIN ROAD, DILLODURG, PA
17019-9710
003 1248 BOUTII MOUNTAIN ROAD, DILLBDURG, PA
17019-9710
004 1248 BOUTII MOUNTAIN ROAD, DILLBDURG, PA
17019-9710
PIPE BIIED
001
WAREIIOUBE
001
DARN
001 005 1248 BOUTII MOUNTAIN ROAD, DILLBDURG, PA
17019-9710
TOM'B DUILDING
1:1'11] 10190 I
ENUO\{SEMENT SCIIEUlJLE
PENNSYLVANIA MANUFACTURERS' ASSOCIATION INSURANCE COMPANY
CPD 2
CPD 3
IL 02 46
IL 09 10
XL 01 72
CPD 4
CPD SA
CP 00 10
CP 00 50
CP 00 90
CP 10 30
PPF 00 01
CPD 15
CPD 16
CG 00 01
CG 22 t3
GL27
GL32
1'7011
PGL 00 10
CPD 7
CM 00 01
PIM2052B
PIM3490
PIM4
PIM405
(03/90)
(03/90)
(06/89)
(01/81)
(11/93)
(03/90)
(03/90)
(10/91)
(10/91)
(07/88)
(10/91)
(04/92)
(03/90)
(03/90)
(11/88)
(11/85)
(02/91)
(11/87)
(04/91)
(04/92)
(03/90)
(10/91)
(01/90)
(01/90)
(01/90)
(01/90)
1'001(WNO 829400-07-38-47-0
INTERLINE FORMS
COMMON POLICY DECLARATIONS
DESIONATION OF PREMISES SCIIEDULE
PENNSYLVANIA CIII\NGES
PENNSYLVANIA NOTICE
PA CIIANOES-TRANS OF YOUR RIOIITS , DUTIES
PROPERTY FORMS
COMMERCIAL PROPERTY DECLARATIONS
COMMERCIAL PROPERTY DECLARI\TIONS(CONT'D)
BUILDINO & PERSONI\L PROPERTY COVERAOE FM
EXTRA EXPENSE COVERAOE FORM
COMMERCIAL PROPERTY CONDITIONS
CAUSES OF LOSS-SPECIAL FORM
PMA PROPERTY OPTIMIZER ENDT
OENERAL LII\BILITY FORMS
OENERAL LIABILITY DECLARATIONS
GENERAL LII\BILITY SCHEDULE
CGL COVERAGE PI\RT
EXCLIENGINEERS,ARCHITECTS (PROF. LIAD)
EMPLOYEE BENEFIT PROGIU\MS LIl\D SCHEDULE
ASBESTOS EXCLUSION
EMPLOYMENT-RELl\TED PRACTICES EXCLUSION
PMA SPECIAL BROl\DENING GL ENDT
INLI\ND MI\RINE FORMS
INLI\ND MARINE DECLARATIONS
COMMEROIAL INLl\ND MARINE CONDITIONS
CONTRACTORS EQUIPMENT COVERAGE
BUILDERS RISR & INSTALLl\TION COVERAOE
IlIRED EQUIPMENT COVERAOE
ELECTRONIC PI\Tl\ PROCESSING COVERAGE
TillS ENllllIlSEMENT ('IIANliES TilE l'Ol.ln', PLEASE IlEA II IT l'AIIEIIIIJ.\.\',
PENNSYLVANIA CIIANGES.
CANCELLATION ANn NONlmNEWAL
This elllllllbellll'lIll11lHlilks 11I"lIIll1re plllvilkd ullllrl Ihe rllllllll'llI[\:
JlllIl.EI{ I\NIl MAl'IIINEIIY ('OVEllAlIE PAIIT
IllJSINESS(IWNIiIIS l'III,ll'Y
I 'OMMEIH 'IAI. AIITO I 'OVEIIAI iE PAIIT
COMMEItl'IAI. CIlIME COVl!IlAliE I'AIIT'
(,OMMEIlI'IAI.IIENEIIAI. UAIIIUTY COVElIAlII! I'AIIT
{,OMMEIClAI.I'"oPEITY COWllAliE I'AIIT
(,OMMEIll'IAI.INIANIl MAIIINE COVEIIAClE PAIIT
FAIIM CllVl!IlAIiE I'AIIT
L101l01l1,IAIIILlTY COVElIAliE l'Aln
l'OI.UJTlON L1AIlILlTY ('OVEIIA<lE I'AlIT
I'I1ODII{ 'TS/mMI'LETED OI'EIIATIONS L1AIllLlTY ('OVEIIAllE l'AllT
This elHllllhClHclllllllr. 11111 upl'ly III (lIveruge plllvided rllr elllplllyee di.hllllrbly (CIII'eluge "mm A) IIr
I,uhlie elllplll)'ee lli.hlluebly (I IIl'eruge Fmlll. II UIIIII'),
A, The CANI 'FI.I.ATION 1'lIll1ll1l1l1l'IIlicy Cllllllillllll
is replarcd II)' Ihe rllllllll'llIg:
I', A 1'lIIl1ll1illll, furlllr IIr IlIss experlrllce IIIU'
lerlulllllllsuruhililY hus dlilllged SUhslulI'
Ilully m u buh.lullllul Clllldlllllll, rarlm IIr
IlIss experlelll'e lIIalerlallll illsuruhlllly
has hecllllle kllllll'lI durlllglhe pulicy pc.
rlud, NUllee Ilr cUllcellullllll will he mailed
ur Ilellvered ullea.1 fill da)", herure Ihe
elTerlive dale IIr I'allrellullllll.
CANCEI,I,,\'I'HIN
I. The li"l Nallled 1n.\lIred Shllll'lIIII Ihc Ucdu.
rullllll. lIIay rUllccllhis pullcy hy l\1illllg ur
glvillg lIullee IIr l'allrcllallllll,
2, CANI 'EJ.\.ATlllN OF l'oJ.\cms IN U'I!EC'f
FOIlI.ESS 'I'IIAN 611 IIA VS
d, I.IlSS Ilr rclllsllrulll'e IIr u Mlh,lallllnl de.
creuse III relnsmllllre hus IIccllned, whleh
111M Ilr decren,e, nllhe IllIIe ur callrella.
liun, shnll he cerlll1ed IlIlhe Insurlllll'e
Cllmlllls.~llIlIrr n, dlredly ufrreling In.
ruree plllides. Nlllke III' cuneellullllll will
he mnlled IIr dclil'crc,1 ulleu,1 fill dll)'"
helure Ihe clfrrlive dllle III' clIllcellnlillll,
We IIIUY cUlleellhls pulley hy IIInlllllg IIr de.
IIverlllllllllhe firsl NUllle.llllsllre.1 IITillell
IIl1lke IIr l'ulleellnlillll ulleusl 311 .IllY' helme
Ihe clkllive dllle IIr ruueellullulI,
J, l:ANCELI,ATlON (IF l'OI.ICmS IN EFI!liC'I'
mil 6lI11A \'S 011 MOllE
c. Mlllerlnl raUllre lu cUlllply wilh pulley
lel/ll>, clllulilillUS IIr Cllulrnclulll dUlie.,
NUllee ur caneellnlllln will he IIInlled ur
dellvercd nllellM 1>11 dllys herllre Ihe eI.
reellve dale IIr ellllCellllllllll,
If Ihl. pllllcy hilS heell ill efreel rllr (,11 <llIys ur
Illllre ur Ir Ihllpllllcy 1111 rellewlIl ur IIplllley
we iSSlled, we mny cllllcellhis plllil'Y IIl1ly rllr
une IIr mure IIr Ihe rlllluwlllll relllun.:
n, YUII hnve mnde II Illlllerlnlmi.reprelell'
111111111 which nlleel. the IlIslIrllhllily ur Ihe
risk, Nllllee ul' l'lIl1cellllllun will he lIIalled
IIr ,Ie livered IIllellsl 15 dllY. hefure Ihe
ellelllve 1IIIIe ur clIlIl'ellllllulI.
r, Olher rellSlIll. Ihllllhe 1Il'IlrllnCe Cum.
1II1s.\luller mllY IIppmve, Nllllee ur CIlII.
cellllllull 11111 he mlllled ur delivered III
lell.11tIJ dllY' hclllre Ihe elTel'llve dale ur
cllllcellallllll,
b. Yuu have rlliielllll PIlY III1/emlllm whell
Ilue, whelher Ihe premium ilpll'yllhle .II,
lel'lly III us ur 1111I IIgellls III i1l1l1reelly 1111'
,Irr II premium fi 1111 lice plall ur e~lell\11I1I
IIr l'mlll, Nlllke III' cllnl'ellalillu 11'111 he
mallellllllellsllS days helure Ihe cfke.
111'1' ,laic III' l'alll'cllallllll,
This Pllllcy mllY 111.11 he l'lIucellell frumllleeplllln
UPUII dlsCIlvery Ihllllhe plllley IVIIS uhlllilled
Ihruugh rrlludulelll .llIlemelll., umi&!i11ll15 ur
CUllcellh"enlllr rlll'ls mlllerllllln Ihe ncccpluncc
ur Ihe Ibk ur lu the hll/llrd 1I!;slImed hy us,
II. II! .11> 11(, H'I
('III'Yliglll, IlIslllllllre Servi...... Oml'e, 1111'" I'IHII, I'IH')
('IIPI'I ghl, IS(, ('ullllllrrdalllisk Scrvirrs, 1111',. I')HI>, I'IH')
I'lIge IIlr2 [J
4, Wc 11'11I11I1111 IIr dclllw IIl1r 1I11lkc hllhc I11s1
Nalllcd IlIsurcd's Insllllnlllllll nd,lrl's\ kllllWII
lu us. Nutlec ur cllllccllnllllll will sllllc thc
sl'cdl1e rcnsulIs rur l'IIlIeellntlulI,
5, NUllec III' clIIll'elllltlllll will stnlc Ihc clleellvc
dalc ur cllllccllnllllll. Thc Ilullcy I'crl,"1 will
clld II1111111111ntc.
6, Irlhls 11lIIIcy Is 1'lIl1ecle,r, we will sClld Ihc
I1rM Nnlllcd IlIsured II11Y I'relllllllll reflllld dllC,
Irwc cllllccl. lhc reflllld will hc 1'11I rnlllnlld
will hc relurlled wllhlll III hllsilleM dlll~ nner
Ihc elfel11vc dnle III' elllll'cllllllulI. Irlhe I1rsl
Nnlllcd IlIsurcd clIlleels, Ihe rcfulld IIIny hc
les\ Ihllll [1m rlltnnlld \\'ill he rCllllllc,1 wilhill
:111 dlll~ uner Ihe elfeellvc ,llIlc ur l'n lice 1111'
liulI, rhe eallcellnlillll \\'ill he cITecllve cvelllr
\\'e hnve lIullllndc ur IIllercd n rerlllld.
7. II' lIulicc Is IIInllerl, II will hc hy registered Ilr
I1rsl dnss 11I1111. rmur III' 1II1llllllg will hc sum.
dClIll'lIluf III nullec.
l'lllte 2 III' 2
II. Thc rlllluwllllllllC lidded IIl1d slll'ermlc III1Y
I'rllvlslulIS tlllhe cuntrnry:
I. NONIlI~NI~W^I.
II' \\'c dcrlde lIullu rCllcw Ihis I'ulley, \\'c \\11I11I1111
IIr dclll'Cr IITlllcllllllllec III' IIl1l1rellcwlIl, slllllllll
Ihe Sllcdne rcnsulls rur nuurcllcwlll, IlIlhe litsl
Nnllled (Mured nllensl (IU dnl~ herllrc Ihe eXIII.
rnllllll dnlc III' Ihe I'ullcy.
2. INCRt~^SE IW I'REMIIJM
If \\'c Inncnsc y"ur rellC\\'IIIII1Clllilllll. Ill' will
mnll ur dcllver llllhe 111M Nnllled IlIslllc,l:
n. Wrlllcn 1I01lec III' our IlIlellllu illl'll'nse lhc
f,relllllllll nllensl /i() dll)'ll hcrurc tllC cr.
clilve dntc IIrlhe I'rellllUllllllrrellsc; nlld
b. ^n cstllllnlc ur Ihc Inncnsc IIllcnst :Ill
dlll~ befurc Ihc eITcdlvc dnlc IIrlllCllllulII
IIIClellse.
^IIY IIllllec III' 1I0nrcllcwlIlur rCllc\\'nll'rClIIllI1II III'
crcnsc will he IIInlled ur dellvercd IlIlhc nrsl NlIlllcd
Insured'R Insl knuwlI nddrcR.\. If lIullec Is IIIlIlIcd, II
will be by relllslcred ur nrsl dllR.\ IIInll, 1'lIlur III'
mnlllng will he Rumdellll'lIlur ur nul Ice.
I '''l'yrl,\III, 11I\lIrnlll'C Selvlces !)Illl'e. IIIC" "IHh, I'IH"
('IIl'lril!lIl, IS() ('III1I1I1l'ldnlllhk Sell'in's, 111"" J'IHh, 1'lH'I
[I
11.112 "10 1110 H"
tl. 1l111U/1I0 291
(Ell. III HI)
JlI~NNSYLV^NI^ NOTICE
AIIIII~l1fnIlCe CUlllll11I1Y. II~ IIl!elll~, cllIllluyce5, ur herviee tulllrnl'lllI~ 1I1111ll! 1I1111~ hellllll, IlII1Y l'lIIvllle ~elvlrc~ IlIle~uce lhe
IIkellhuud ul IIIJury, denlh ur lu.." Thche hervlle.llIny IlIcllI~e nllY ullhe lullllWIIll! III lelllled ~ervlrc~ IlIchlclllllllhe 1Il'l'llrllllllll
IlIr. 1"'Ullllce, rellewlIl ul cUlIlllIlIlIIllI1I ul, lIl'ullcy ul 11I~l1fllllce:
I. Mlfl'el";
2. elllllllllllllllll ur IIdviee; III
3. illsl'eelllllll,
The "1lIsurnllce CUll,ullllllulI Sell'lrc~ li.cllIlllllln Ael" ul I'cnlllylvllnlo l'rovldes thollhe In.,urnnce CUIlll'nIlY, II~ lIl!clll5,
el1lllluyec. ur hervlre tllnlrotlur~ IIcIllI1l unll~ hehlllr, I~ nOlllnhle IlIr dnI1l011e. Irmn IIIJury, ~clllh IIr I..", uccurrlnl! II~ II rcsull
ul 1I0Y IIctllr OI1lI5.llon hy IIny 11er611n IlIlhe lornlshlnll ul ur the III1Iure 10 lurnlsh Ihcse servlrc~.
The Arl dues nulllllllly:
I. Illhe Injury, delllh III 10", ul'Clllred ~lIrllll! Ihe IIclunlllCrlorl1llllleC 01 Ihe sClIkeh lIud WII~ cnulcd hy the Ill'glll!enec ul the
III,urllnee CUl1IllIlny, II~ nllcnlh, 1'l1Il'lnyce6 ur hell"iee eonlrncllllhj
2. 10 con,"ltntlon sClviees relluire~ 10 he 11ellllrl1lel' ullder II wrlllen herviee conlrnel uol rclnle~ lu IIl'ullcy 01 Inlurnllce; ur
3. il nny ncll III omls.,lulIs ul Ihe hl~urllnce CUl1lllllny, lIs lIl!ellt5, clIIl'luyeel IIr ~ervlre cunlrnc!llrh lire Jn~ldnlly delermllled
lu eOIl~llIulc 0 crlllle, nclUllllllnllce, ur gm.., negligence,
[----
hLIlructllllltlll'ollcy Wrllen
AlIllch Ihe I'cnnlylvllnlll NUllre lu IIl1l1ew nnd renewul eerllncllles hLlurlnllllsks IUrnled In Itenn~ylvnnln.
~
1I,1I'11U/1I0 2111 (Ed. III HI)
~ " ~ 1 .. 1 J
THIS ENDORSE!'.1ENT CHANGES THE POLICY. PLEASE READ IT CAREFUllY
PENNSYLVANIA CHANGES
-,s '-::'\1"""1 "'Od III OS.'IOC' C'O, d.d .Od" I~' 101l0",,.n;:
3: _,' ~~.::J '.UC" '4EOt C::J"PAOE 'ART
::',''''E~C~. :' '.IE ::',EAAOE P~RT
::',''''EQC..l... '......1'.: 'f'A~ '~E ::'IEQ.lQE PART
'CC"""EaC~, .A:'!'f"( C:',E~AOE 'ART
~~A"'1 '::::'.EA~GE .ART
A. C'~, "s...'."C' ::'0"11:'12 ...~d" :~.
Bo .' lOa '.he',o,,,, Cov"19' 'I"
::~"""CI'I C,'fTlI ~J""'Q' PI"
:~"'~"C II ,"'I"d '.1",", Cov"19' Pin
Co,.."','c,,' P'cc.m C:'''19' P."
.~. TRANSFER OF YOUR RIGHTS AND
DUTIIS UNOEflI THIS POLICY Common Pol.
ev CenOlllon '. '.O'IC'O Ov I~' lollow,ng:
F TRANSFII'! OF YOUI'! I'!IGHTS AND OU.
TIES UNOII'! THIS POLICY
v OY' "gntl Ind dYlltI ynd" In'l ooilcv m.v
'01 O' "Inll.rr.o W'lnOYI OYI w"".n connnl
"C'OI ,n In. CIII 01 dlt,n of In ,no""2u.1
-.m.o ,nlYlld.
" 'au dll. YOYI ,,;nlJ Ind dUlItI Will b.
Illnltlflld 10 ,OUI l.g'l II0llllnllllV, bUI
aniI' whll. ICllng w'lh,n 'h. ICOD. A' dUll"
n YOUI '1911 "DI...nllllv., Unul your '19.1
,.o.tI.n'II'" 'I looo'nled. Invonl hlv,ng
c,oOllllmOOIt", cUllodV 01 YOUI PlOD''''' w,ll
nil" VOUI "ghll Ind duu" bYI only w,lIl ".
SOtellO lhll prOIlln'(.
" you dll. Ihll COVIII'I Pin will ","lln In
.H.CI tI plov'ded In 1. 01 a. bllow. whlChtv"
,IIItV
" FOI 180 d.y, .It" 1'_ dlllll ,...rdl_
olth. policy CIIflM tM_ in till DIClIrI.
lion I. unl.. ml In..... IWO","" II 1011I
01101 to tNl d.18: or
2. Unlll ml tncI 01 tile ......, IlItiM IIlown
,n \he D........ lItI_ lilt InlUlM
II""*'Y II ..w ... _ dIIt dftI.
Cov""'.... tile ...... of IiIllIIfIIf yo",
d"lIt II "1'lIm _ .11 ~ of mil polley
,"cllHIillI """'"' of IllY III'If'Iklm dUl lor \he
1I0lley .... IMwn III \lit Dtcllmion' aM
Iny.... Illn of \Nt.....
I, FOI ,OIY'lnc. o.ov'dld und., ,n.
Comm"C'11 lollnd l,1If,n. COv1l19' '1"
CommllC'l1 P'oo.rt'( COVIIIQ' '1"
FI,m CO'''lgl PI"
Th. lollowlng '1Ido.o to In. lOSS PAVMENT
lOll Conalllon Ind IUOtll~tI Iny prov'llon 10
In. con'It",:
NOTIC. 01' ACCIPTANCI 0" DINIAl OF
CLAIM
,. I1C'DI II o'ov'dld In 3. b.low. w. w,ll Q'"
you nOllCI. wltn,n , S ..o,_,ng dil'l IIIIf w.
.tc"VI I proptr'y ..teulld IIrool 0' 10... ,nl'
w.:
I. ACCIPI your clllm:
b. O.ny your clllm; or
c. NtIlI mOIl 11m. \0 dlll/llllnl whllh., YOUI
cl.,m Ihould be ICCIPIH 01 dlnlld.
II w. dillY YOUI cl.lm. lucll nOllCI w,ll b. ,n
wllun., Ind w,ll 11111 Iny policy 1I'0V'llon.
condlllon Of ..elution uHCI II I bllll 101 In.
d,nltl.
II WI ntlll mOlll tIm. to dlWlmln. whllhtr
yOUl CIIIIII 1Il0uld be 1Ce..IM or dllll.... thl
wl11ltn notIct will Nil ml ,._ why mOil
11m. II ...."...
2. 1/ _ '-. nOl com'.1N _ 11IYIIlit1l10n.
_ wllI notify you ..... in wriIlnI. within 30
dlY"'" N dill GIN In"'" "'*' . 1IfO'
vidM III 1... .... IIIlII lIIto"""" IVIfY ,.
cIty& TllI ___ nOlice will .... wily more
UIllI II ,... to IIWIIIitN YOlIf elt"" Ind
w'*' you /IllY ulllCt III 10 IIICII . dlClllOn
on YOlIf clIIIIl.
IL017Z11 II
Coovrittn. InlUllMt SIMctJ QfIIcI. I"'" '111
COIyll.IlL Isg CClIMlItCIII ,,,ell JIMca Inc. ,.n
,..., of I C
J '" '01 ct ~IOC'ClY'" ., I-l 2, ICO.. ~o
." IC:. I ..... ~h' I '1I1C"IC' :111 I.:'
::"'d:v,e.e:f'c: f'lIC,....t or ': ,...,:.c~ ,..,.
.'" -'wIld "lll .,.\,Ic:.....r".v :a..U~ 'f :~".
" :...:I~ ~o I~, ell :IV "'0" ~, ,:~.' 1'';11
J:~" :', ...~:., ,,,,c,' : "....I:..C.. N' ""II
..:! t" 1'-:'" ), ~... : ':Olll~" :1 "~w' : 11m
.\ ~.. '" I :,"Od ~, !l"'" '..10".0,. !Q '''Ow ".Ill
-In: ;.t:. :f ._, : I "'" If~.'"" 'te.",' I
:'::.' , t..~ .'to: :,::t:l' .:n
- .
1'... a 0' a
CoItYritll\ In"",nel lervlc. i:':':e~ '111
Copylilhf. 1111 CommIlCIIII"" Inc.. '"1
_. ,
tL 01 n" II
COI\'ll\tEltCIAL PIUWEltTV COVEltAGE IIAln
UECLAltA'I'IONS
PENNSYLVANIA MANUFACTURERS' ASSOCIATION INSURANCE COHPANY
POUCV NO, 829400-87-38-47-8
!lAMED INSURED
PRODUCER'S !lAME
'~'I
1-
TAM SYSTEMS, INC.
laB SDuru MOUNTAIN ROAD
DILLSBURO, VA 17019
. I r~'
L ~L _I
COVEnAOES PROVIDED: In.urance allhe do.crlbed preml.o. appll.. only lor covt,ao..lor which allmll olln.urance I. ,hawn, COINSURANCE
CLAUSE APPUESIF % IS INDICATED.
Prem, DidO, Umllol Cavt,ad Cau.e.
No, No, Caverage In.uranca 01 LOll Caln.uranca
DOl DOl DUILDIRD . sa, noD DPlCIAL ao ,
CORSTRUCTloR, JOISTEO HASORRY
DOl DOl DUS'RI88 PIR8DRAL PRoPIRTY . aD, 000 8P1CIAL 10 ,
DOl DOl EXTRA EXPERSI . a,ooo SPEC'AL
DOl DOl DUILOIRD . 10,782 SPlCIAL 10 ,
COftSTRUCTIO"1 RDR-CDHDUSTlDLI
DOl ODa DUSIRIS8 PIRSDRAL PROPERTY . 6,000 SPICIAL 10 ,
DOl 002 EXTRA laPERSE . a,onD SPICIAL
o Policy Is Dlankol Ralod, Soo Form CPD41l for slalomont of valusD,
THE REMAlNOER OF THIS PAGE APPUES IK] YES 0 NO
IF NO, SEE EXCEPTIONS, FORM CP05S
Valuallon:
Ilulldlnos
I!J Actual CDsh VDlue
o Replacement Cas I Value
I]
!luslnsn PO'DonDI Property
iii AcluDI CaSh Val us
o Roplacemonl Cost Valuo
Slock Opllon 0 YES iii NO
Deducllblo
Opllons:
^orood Value
Inllallon Guard
$250 unless olherwlse Indlcalod $ 1,000
I=J VES
o VES
1!1 NO
IK] NO
[] nulldlng
[J nulldlng _ %
o Porsonal Prop Ekp, Dais __.
o Pe,sonal 1"01' %
nuslness Income:
MonlhlyLlmlt oflndemnlty IJ YES I] NO IJ 1/6 I] 1/4 0 1/3
Maklmum Pe,lod o!lndemnlty (120 days) [] YES I] NO
Exlended Pe,lod of Indemnity [I VES [J NO I] 60DRysl] OODays[] 120 Days I] 180 Days
EkllD Ekpense Limits on Loss Payments [1100%.100%.100% IKI 40%.80%.100% I] 35%.10%,100%
Deductible __..~
ronM NUMIlEnS: Modo 0 pari ollhls policy 01 limo of Is suo:
SEE ENDORSEMENT SCHEDULE
CI'IH (n11101
, .
SlIPI'LEMEN'I'AL COI\1MEI{CIAL PI(OI'EI('I'\' COVEI(Am:
ImCLAI{ATI()NS
PENNBYLV/\NI/\ H/\NUF/\CTURERB' /\BBOCI/\TION INBUR/\IICE COHP/\NY
POLlCV NO 029400-07-38-47-0
COV[f\^OI'O 1'1I0VIIl[l), Il1Iu,oneo ollh. "..cllll.d pl.m\... Dpplles only 101 covo,o\l..loI
whIch n Ihl1l1 ollnllllnnco II ,hown.
_.- ._- ---_._..._-,._-~- _.~- .-...__._-,-- -,".--------- .----------.-.,-. - -.-"'-- - . . ~- u -
Pfll11. nldo, CO\iCfnue Llrnllol Covered Cnuul' ColnlUfnnce
No, No, Insuranco 01 Lon
._- -- --...-..-----...---.. - ..--.----,---- -_.~-_._--~.._..... .u -.----. ,,'-
lIUI 00) OU'LDIRD . an, nun orEC'AL 10 ,
CDROTRUCTIOR, ROH-COHBUUTIDL!
001 00) IIUDJHEBB rEROOHAL rRorERTY . 2&0, non SrEC'^L 10 ,
001 OU) EXTRA UrERUE . a,onn SrECIAL
001 001 BUD IRESD rERSOOAL rROrERTY . 3,&nO SPECIAL 10 ,
CONSTRUCTION' FRAHE
001 uo!t OUB'REBB rERSOHAL PROrERTY . tft,ono urlCIAI, 10 ,
CONSTRUCTIO"I OOR-COHOUST I OLE
CPO 4^ (03 IJ())
COI\fI\fE/{C'AL JI'W,'mn\/ UECLA/{ATIONS
MO/{TGAGE IIOW,ms
PENNSYLVANIA MANUFACTURERS' ASSOCIATION INSURANCE COMPANY
POLICY No, 029400-07-30-47_0
MOIl1'(IAllE 1I0LUEllS,
I'IU!M 111./10,
001 001"
001 002
001 003
----....-----.---... '4____,...,__
ADAMS COUNTY NATIONAL DANK
PO DOX 105
YORK SPRINGS, PA 17372
-.,-~_. ------..- -'------.--__'4 'h.~_ .._....
1\,\ (Ill \'II)
- . ".--. ~. "-. ----.- . - .. .
('()MMI'IHI^L l'IHlI'EIITY
IlUILIHNG ANI) l'E1tSONAL
PltOl'EltTY COVEltA<;E FOltM
\',"11111' 1'"11'1,IIIIIS IlIlhls 1'II111'Y ll'slril'll'llI'ClugC, IIc,"llhc l'ulile 1'"lky I'ardull}' III dl'll'IIlIllIl' lighls, 1I111h-,
ullll Ilhulls 1lI1llls 11111 1'111'1'1 l'lI ,
Thllllll\lunlllhls 1'"llry Ihe 11'11111, 'Y"II' ullll "Y"III" Icfel III Ihe NUlllelllllsllll'II shllwllllllhe IlCdUIUIIIIIIS, Till'
11'11111, "we; "liS" ullll"IIUt' lefcr hI I Ill' ('III11)1UIlY I'llIVhllll1( this III!III11I1I'C,
(llhl'l wlllds ulIIIl'hruscs Ihul nl'l'cur 111 IllIlIlullolllllUlks huvc sl'l'dlllllllllulun, IIcfl'llo SI'CTION II ' 1l1'1'I.
NITIONS,
^, COVl\lIAliE
(h) Mnll'lllIls, ellull'lIIelll, slIl'l'lIes IIIIlI
lellll'lIIl1lY \Irllelllles, 111I ur wllhln
11111 feel of Ihe dl'mlhcIll'rellllses,
IIsed for IIIl1klllg IIddlllous, nller.
nllllrtl ur rC(lulrs to the hulhllnl( or
strllclure,
\Ve wllIl'uy for lIireel I,h}'liil'ul loss of III Ilullluge
10 ('overed l'rol'e/IY nllhe 1III'III1sl's dl'mlhed III
Ihl' Ilerlnrnlllllll colIIsed hy or Il'SIIlIlIII\ fllllll nllY
('lIl'1'red CUllSI' IIf LO,"I.
I. 1.'1I1'l'll'd l'n11lcI1y
h, \'ollr II11SlllCM l'cn","ull'rol'l'11y 10'
culed III or on Ihe hllildlng demlhelllolhe
Dedurnlllllll or In Ihe ol'en (or 10 n vehl.
de) whhln 11111 feel of the demihell
premises, cOIIslsllIII) of the followlulI IIn.
les.1 olherwlse specllied In the Iledurnllolls
or Oil Ihe Yollr lIusllle,", l'ersollull'ropelly
. Sepurollllll of Covellll)e furlll:
('overed I'ropelly, 0' II,ed In Ihls ('overnge
1'11I1, lIIeUIIS Ihe rollowlllg Iypes of )Irll)1e/ly ror
which u L1l11h of ItI,urUIIl'e Is shown III Ihe
lJerlurnllolls:
n. 1I11l1dln", lIIenllllll) Ihe hlllldllll) or Mrlle-
IlIIe deserlhed In the Ilerlulnllolls, IlIdlld.
11111:
(I) COlII)lleled nd,lIllolls;
(2) I'erlllullelllly IlIsllllled:
(II) Fixlures;
(b) Muchlllery; IInd
(e) E(llIlplllelllj
(3) Ouldollr Iixluresj
(4) I'ersonlll propelly oWlled hy YOII Ihol
Is IIsed 10 1II011llnlll III !ervil'e Ihe
hulldlll!! or Mrllelllre ur lIs premises.
IlIdudlllg:
(II) Fire eXIIIIIIlIlshlll!! ell III pille III;
(h) Ouldollr flllllllUte;
(c) Floor l'lIve/llIgsj lIud
(d) Appllnllees IIsed fllr refll"erllllll!!,
I'enlllnlllll\, \'!lllklllg, dishwlIshlllll
III luullderllll(;
(5) If 1101 \'!lvered hy IIlhl'lllISlllnllee:
(I) Fllrnhure olld IixIUtes;
(2) MOl'hlllery olld e(lull"llelllj
(3) "Stock";
(4) All olher pcrsolllllplllpelly nWllcd by
ynll IIl1d \lsed III ynllr bllSllltssj
(5) I.lIhnr, Illlllerlnls III ser\'lres lurlllshed
III IIrrlllllled hy ynu nil ptlSnlllll prop.
erly of olhel~;
(6) Your \lse IlIlerestlls lenlllll illllllplllve-
Illellts ond bellerlllellls, Illlplnvelllenls
nlld bellerl1lenl~ lIIe fiXluws, IIllerllllnlls,
IrLltllllllllolls or IIddlllolls:
(\I) Mllde II )11111 of the hlllldllll( nr
struelute you OI'ClIpy hilt ,In nnl
nWII; III1lI
(b) You ol'll"lred or IIIl1de III )'(1\11 ex.
pert,e hul 1'II1111nlll'lI1111y ItIllOVC;
(7) I.ellsed I'molllll properly fnl which YOII
have II COlIlllIClulI1 rcspnllslhlllty In In.
.urc, \llIles.1 nlherwisc provhk'd fnr \III -
dcr l'ersollall'rul'crlY nr Olhl''',
(II) ^d,lIlinlls \llIder 1'III1"IIII('llnll, 11111'1'
1I11nllS 1I1111 rl'Jllllr.ln Ihe hllllllllll\ (lr
\11 111'1 III l';
('1'1111111111'11
('nl'l'lIglll, ISO ('llIlIllll'll'llIlllIsk Selvln's, 1111"" 111'111
I'lIge I nf III LI
t'. l't'I1IIIIIIIII'I'III'CI1)' IIf (lIht'I1Ilhlllls:
(I) III yuur curc, clIsludy m 1'0111101; uml
(2) I.llcaled In nr uulhe hulldllll\ ,Iemlhed
IUlhe lleclllrullous or In Ihe upell (nr
In u vehlclc) wilhlu \till feci nf Ihc de.
mlhed prcll1lses,
Ilnwel'er, nul' paYllle III fnr In~s nf nr ,111111'
nBc 1IIIIersunntlll'nl'Ctly nf nlhels wlllllllly
he fnr Ihe ncwunl nf Ihe nwner IIf Ihe
pmpelly,
2. t'rollcl1y NIII ellvcred
Cnl'ered I'mpelly lillI'S IInllllclmle:
u. Art'IIUIIls, hills, currellcy. lleeds, fnnd
slulIIl's m nlher el'lllelll'es nf dehl, IIInllcy.
IInlcs nr securlllcs, Lnllery Ilckcls hcld fill'
slIle lITe nnl securities;
b. Allllllllls, ullles.s oWlled hy olhers IIl1d
hllllrded hy you, nr If oWlled hy YUII, lIul)'
liS 'stllck' while IlIslde nf hlllldlllgs;
c. AulUlllllhlles held fur sllle;
d. Bridges, rolldwlI)1I. wlllks. 1'111 Ills ur nlher
p"I'ed surfllces;
e. Cllulrllhllnd, or I"nperty illlhe cllurse IIf
IIlegullrallspUlllltlnu nr lrode;
f. The Cllst nf eXClIl'lItlnllS, grlldillg, hackfill.
IlIgorntllllg;
II. Fllulldllllnns nf hulldlllgs, slruclures, 11111'
chlllery nr hllllers Iflhelr fllUllllulllllls ure
he low:
(I) The IIIIVesl hllselllellll111111; nr
(2) The surfuce of Ihe llrulllld, If Ihere Is
1I1111l1Semelll;
h. LUlld (1lIcludlllglalld ou whkh Ihe prill"
erly Is loculed), waleI', llruwlllg cmps or
luwlllj
I. Perslluulllmpctly while ulrhurue m
IVatcrhorne;
J, ('lIIl1gs, piers, whurvcs ur docks;
k. I'mpelty Ihul is CIIvercd lIuder uuulher
cIlI'cruge furlllllf Ihls ur ullY IIlher pllllcy
III which Ills Illllre speclfit'ully d,'scrlhed,
excepl for Ihe cxecss of Ihe UIl1I1UIII due
(whclhcr you call enllecl 01111 m 11111) fmll1
1I1lI10lhcr luslIl'llllcC;
I. Relullllllll Willis Ihlll ure 1101 IHIII IIf Ihe
hlllldh'lI dmrlhed IUlhe Ikdurnllllllsj
III. Ulldelllrlllllld pipes, lilies IIr IhIlIIlS;
II, The CIIsllolesemch, ICI,IIIce nlll'slull' Ihe
i IIfUl 111111 1011 011 1'II111uhle pllpel5 11I111 Ie'
cnrlLs, Indudluglhose which exi,1 1111
elcctmllle or IIIl1gllelk lIIedlll, exn'pllls
Ilrol'lded IlIlhe em'erlllle EXlell,siIlIlS;
II. Vehicles III' self'llI'nllelled IIII1Chlll"S (III'
c1UllIlIg ulrcrufl III' wlllemufl) Ihlll:
(\) Arc IIcellsell fm use IIn (Iuhlk rmllls; or
(2) Arc ol'el'lllell (Ir1I1c1lli1l1y IIwllY hOllllhe
deml,ed prellllses,
This IHIIUgluph dues IIl1t upply Ill:
(u) Vehicles ur self'llI'ol,elled IIIl1chiues nr
uulos l'OUIIIIIUufuclllle, plm'css Ill'
wafclulUsC;
(h) Vehicles ur self'llropelled lI1uchlues,
olher Ihun uulm, you hold fm sule; or
(e) Rowhollls or cUlloes oul of wllter ullhe
descrihed prellllses;
p. The followlllgpmpetly whilc lIulshle of
hulldlllllS:
(I) Orulll. huy, slruw ur IIlhcr 1'1 "I'S;
(2) FCllces, I'IIdlll m lelel'lsilln alllennas,
Includlaglhelr lead.iu wlrlul\. lIIasls III
Inwers, 61gllS (nlher thun 6iglls al.
luched In hulldlnl\s), Irees, slllllh~ ur
1,Iullls (ulher IhulI 'slllck" IIf lIees,
shruhs ur phillis), ull excel'lus pllll'lded
IlIlhe Cuvcruge EXlenslnll~,
3. Cllvercd CUU5l'S Of I.lIs,
See uppllcuhle Causes uf Lu~\ 1'U1l11us shuwu
In Ihe lleclarntlna~,
4. Addlllnuul Cnvcrugcs
u. Ilchrls Itclllnvul
(I) We will puy yuur eXl'ellse In lelllnvc
dehri~ nf Cnl'ered 1'llIpelly cnllsed hy
III resulllug frul11u Cnl'ercll ('allsc nf
Lus\ lhul uccurs dllrillg Ihe I,ullcy pc.
r1ud. The eXl'ellses will he palll ullly If
lher arc rcplllled In liS In wailiag wllhlu
IHI dU)1 uf Ihe dule IIf lllrel'lph)1Ilcul
luss ur dUll1ulle,
(2) The IIIl1sl we will pay undcllhis A,III1,
Ilunal CUl'eral\e Is 25% uf:
(n) The nll1nnnl lI'e pay fllr Ihe dircl'l
ph)~lcallus\ uf IIr dalllnllc III (~Il\"
ered I'llIpelly; I'llIs
I'age 2 Ill' III
('lIp)llghl, ISO ('1I1111111'rdlllltl,k Serl'ln'" 1111'" "Nil
('1'111111111I'11 LI
l'1' 00 III 10 III
(hI The dellllrllhle llIlllis 1'"lky al'l'll.
\'ahle IlIlhallll'l III dalllll!~e,
This Addllllllllll ('iI\'l'luge Ihll" 1Il'lul'l'ly
III r",l~ 11I1\'~IIIIt, 11I111111111 III a'W\1 Ihr
exlslellre, \'11111'1'111111111111111 l'ffl'll~ III
'1'1I1111111111~," 11111 WI' wllll'uyllllll'sllug
whkh I~ \'el 1'11I 11I1,.1 11111", 1'1111111' 1I11'K'
Ilurllllg lie "1'III1I1IulIl~' frlllll tI", 1111111 lit
1I'1I1l'T,
1I1111hl~ 1111I1111111111 II,"'~ 11111 a\'\'ly III
uuy addllllluulllehrl~ 1\'IIII1VlI hllll 1"11'
I'hled IlIlhe l.imll~ III I IISUI11II\'e ~e\'IIIIII,
(,I) Thll Addlllllllal ('lIwlage dlll'~ 11111111"
I'ly III ru~l~ Ill:
(II) I!KIIlIrl "1'III1I1Il1l1l~' flllm IlIud III
\VUII'I; III
The IIIl1sl we wllll'ay IIl1dl'llhl, Addlllllllnl
CIII'el/lge 1111 eurh dl'Sl'Ilh\'11IUI'IIII.elIs
$111,11011 1111 the 11111I111 ull rll\'l'led eK.
l'ell.e~ ml.lug 11111,,1 ('II\'Clell ('UlI!es III
,IlII IIl'rmrlug dmlng enrh ll'lllllule 12
IIInnlh /,ellllllllllhll /,lIlky,
(h) llelllll\'l',le~llIIe IIllel'lure 1'II11111ell
Inlllllll wall'l,
b. l'resemlllulI nf l'l'IIllI'II"
~. Cmerultl' EKh'IlSIIIII'
If II 15 neee&'nlY III nll'l'e l'1I\'Cled 1'lIIl,erty
frum Ihe delCllhed /,Ieml~e. 1lIl'le~CII'e II
frum 111\, III damllge hy 11 CIIl'eled l'nll~e
1111.11\1, we will /,ay 1111 III1Y dlll'l'1 /,h)~kul
III~~ III damllge III Ihal /,III/,ell)':
I!Kce/,lu~ IIlhelWl~e 1't11l'hled, IIII' fllllllwlng
Hxlellllllns nl'l'ly 1III'III1'erty IlIenlellllllll IIn
Ihe hulldlllg demlhe.111I the llednlullllllS III
III Ihe 11/,1'11 \111 11111 I'ehlde) wlthlll 1011 IeI'I
III Ihe demi 'cd I'lemlsr~,
If n CIIIII~urlllll'e /,ell'Clllllge III' HII':;, lit mille
Ill, II Vllllle lte(1l1llll1g (1elllld .ymhlll, II ~hllwlI
III Ihe llecllllllllllll~,)'III1I11I1Y eKlelllllhe III'
~urlllll'e 11IIIvlded hy Ihl" l'lIwlngl' I'arl 11,1
flllhll\~:
(1) While II i~ helug mlll'ed III while lelll-
(1l1l11li1y ~llIle.llllulllllhelll1\'ullllll; IIl1d
(Z) Ollly II Ihe 111'1 lit damllge Ill'cml
wllhlll III da>~ 1I111'llhe (1111(1elly 11l11~1
IIIl1l'ed,
II, Newly AI'lllIlled Ill' l'1I11~trnrh'd
l'wl'ert"
\'. Fire lle(1l1rtllll'nl SI'l'\ Ire l'llIll'Jle
Whelllhe Iile de(1arllllelltls \'lIl1ed III 1111'1'
Ill' /,lIIlerl CII\'eled 1'lIIl'ellr flllllllll'III"
eled CUIIse III 1.11&', lI'e \VII I'ay 11(1111
$1,111111 fill' )'11111' IInhlllly fill hIe de(1mlmenl
sell'ke chlllges:
(I) Ylln may eMend Ihe Inslllnlll'e 111lI1 n(1'
/,lIel III IIl1lhllng III n(1(1ly III:
(II) Yllllr ne\V hlllhlln\\1 while hdllll
hlllll 1111 Ihe delCl he ,I (1lemlse~; nlld
(hI IIl1l1dlnll' Y"IIIII'lllIhe alllll'ullllllS,
IIlher thlllllhe desrlllll',1 (1leIllISl'~,
Inlelldell fill:
(I) AS'lImed hy l'Ullhll\'lul llll"'elllelll
I'llur luluI\; III
(2) lle111llled hy hll'lIluldillllllre,
Nu l>edll\'llhle lll'l'liI'< IlIlhls AdtlillulIlIl
Cu\'crugc.
(I) Slmlllll liS!' ll~ Ihe hllihlllllt de.
sl'Ilhetlllllhe IlI'rllllllllulI'; III
(II) U~e "' II wlllehulI'I',
tI. l'ulIlIlllllt Clellu Ul'llIltlllelllllllll
The mull we wllll'ay fUI Ill" III dlllll'
IIge IlIlller Ihi, Exlell~illlll~ 2,~% llf 1I1l'
Llmltuf Ill'"lllllce fill Ihllhlilllt .111I11'11
III Ihe I>ecllllllllllll,', hili nullIIUle Ihllll
$2511,111111111 elii'll hlllldlnlt,
121 YUIlIllIlY exlemllhe 111'11I11111'1' Ihllllll"
)Illes III YUIIIIlII~I/ll'''' l'wllllall'lIll"
elly IUlIl'l'ly Illlhllll'lul"'lly UIIlIlY
IUI'1I111111 YUIIIII'lllIlre III her lhallIII Inlrs
ur eKhlhlllulI',
We wllll'IIY YUill cKI,el"e Iu eKIrIl\'1
'1'III1I1Inlll'" flumllllld UI wlllelllllhe dc-
mllred I'leml~el If Ihe dlsrlllItlte, dl~I'elslll,
lee)1l1ne, m1lllllllulI, lelell,e Ill' 1'11'11)11' uf
Ihe ")1I1I1I1II1I1I,'ls l'III1SClI hy Ill' II'slIlt~
flllmll CIlI'ell'd ClIlIse IIf Ln...., Ihlll\lCl'III'
dllllllglhe pulky )1erllld, The eK)lellse~ will
he )1l1hlullly If Ihey IIII' ICI'IlIII'tlllIlI~ III
I\TIIIIIII II'lIhlll IHII dlll~ III Ihe dllle \III
whldl the CIIl'eled ('III1,e uf 1.111\ IIC\'III~.
t'Ul'yrlgl'I, I~() t'umllleldllllllsk SI'IIII'I'~, 1111'" 1'I'Il)
I'alte ,lul III U
Thc II1Il~t we willllllY fllr II"" 111 ~lIl11'
1I1lC ulIJer tlll~ Exlell~llllll~ IU% Ilf Ihe
t.hnh Ilf III~Ulllllrc fllr Yllllr \Iu~llIe!;,\
I'CrMlIllllt'nll,clly ~hllwllllllh~ \ledll'
rllllllll~, hllllllllll1llle Ihllll $IUII,lIlIlIlIl
Clleh hllllllllll\,
(3) III~urollec UII~er thl~ ExtCII~11l1I fllr clIeh
ncwly lIellulre~ Ilr ellll~trUrtc~ t,rlll,ellY
wl\l cn~ whClIlIlIY Ilf Ihe fllllllwinll nr~1
lleeUI~:
(Ill Thl~ pllllry expin'..
(b) 311 ~ol~ expirc lifter Y"u orqulrc IIr
h~1l111 III CllIIslnl<'llhc 1'lUperly; IIr
(c) YIlU rel'llIt vulue~ III U~,
We wl\l ehorl\c Y"u lI~~llillunlllfcll1lulI1
fllr vulue! repllltc~ frlllll Ihe ~nlc ('IlU'
61ruetllln bellln! or YIlU oClluire Ihe
11I1l1,er1Y,
b. I'enlllllol EfTed! 1I11~ t'rlll,elty Ilf
OOle"
YIlU II1ny extcn~ Ihc IIISUlllllrc 1lllIllIl'plle!
III Yllur lIuxlnc!;'\ l'el'llllllll'lUperIY III np'
ply III:
(t) l'cr~1l1l1l1 erred~ IlWIIC~ by Y"II, y"ur
IlmeCIS\ YIlUlpllltllCI~ ur y"ur ell1IIIIlY'
ecx, ,.h S cxlell~llIlIlllIe' 1I11111Wly III
Ill!>.! ur 111I1I111ge \ly Iheft,
(1) l'cr'llllllll,rlll'erIY Ilf IIlhel' III 1"llr CIIIC,
eu~IIIJy Ilr e.l\Itrlll.
Thc 1I11l~1 WC willpllY fllr III!;'\ ur ~lIl11l1gC
ulIJcr Ihls Ilxlell~llllIl~ $2,~1I1I1I1 elleb ~c.
6criheJ prell1l~c., (lUlIIlIYlI1cIII fm IIl~x Ilf
m Jnll1l1gc tlltlC1"lllllllllllpellY Ilf IllhelS
w\ll Illlly bc fm Ihc II<TIlIIIII Ilf Ihe IlWller
Ilf Ihe Ilflll,ellY,
c, Vllhlllbte t1ullelll1l1lllll'I'lInh . CIlII
Ilf IIc5ellrch
YIIU II1IIY exlellll the IIISllfllllce Ihlllllpl,lIe!
III Yllur 1I1I~llIe!;,\ l'el~IlIlIlII'lllpelly In 01"
1,ly III y"llr cII~I~ tllll'~elllch, lel'llIce Ilr
le~llI1e Ihc III~I illflllll1l1lllll1 1111 1,,1 m
~lIl11l1gC~ Vlllllllhlc pllpel~ IIlul rccllld~, III'
r1uJllIg tlll1~c whidl exlsl IlU c1ectrlllllc Ilr
II1I1Ullelle II1c~llI, fllr whlrh ~lIpllcllle. dll
11111 exl,l. The II11ls1 we w\llpllY III1Jer thl~
Exlell~11l1I I~ $1,11I111111 elllh ,le~l'Ilhell
plellll~cs,
~. t'rut,elty (lfT.I'rell1lsl'!
YIIIIII1I1Y eXlclI~ Ihe IIISIIIIIIICC 11I1l1'h\c11
hr thl. CU\'('rlll\c l'urll1llllll'ply III Y"llr
11l\'Cle~ l'lupcrty, IIlhcr thnn ".IIICk,' Ihlll
I~ ICIIII'II1II1\1y III II IlllllIIIIII yuu ,11111111
IIwlI,lclI~C III Ilperutc, Thl~ \!xlell~llIlIllllc~
1I1llllllply tllClll'elC~ l'lllpclly:
(\) tllur UII II vehldc;
(1) (IIthc rllre, cu~lu~y III CUllllUluf y"ur
.ole~pem""; Ilr
(J) ^IIIUY fnlr Ilr exhlhhllln,
Thc Inll~1 wc willll3Y fur 11l!;'\ III ~lIl11ngc
III1~er thl~ IlxleMlllu I~ $5.111111,
c. (lutdllllr t'rlll'cl1y
YIlU IIIl1Y ell1en~ the ill~lIrullrC plllvl~e~
by Ihlx Cllveroge Forlll to Ol'l,ly III your
olll~oor fCllre., ru~illllll~ televixlllllllll'
tCIIIIO!, 6iglt~ (olher Ihllll xlgllx lI11lldle~ 10
buIIJlng.\), treex, ~hrllbxlllI~ 1,llIlIt~ (olher
Iholl ".Iock" of treex, xhrllhs \If 1,llIlIl~),
IlIclu~lngllehrlx renlllVIII eX\'ell~", rllllxe~
hy ur rexlIlIllIg frulll UIlY uf 1 Ie fu\luwlng
cau~es of lu!;'\ If Ihey lire COl'erc~ Cuuxe~
of I.u!;,\:
(I) ,Fire:
t1l Ullhlllllll\;
(31 I!xpluxluu;
(4) Illul or Civil CUllllnuliulI; III
(5) ^Ircrnft,
The 1111..1 we will (lilY fllr lu!;,~ UI ~III11Ugc
IIII,Ier \hlxllxlenxlulIl. $1,111111. hlllllul
lIIure thun $2511 fur III1Y ulle IICI', ~hrllh ur
1,lunl.
Bach uf Ihe~e \!xten.\lullxl~ 11I"lilluuullll~urlluce.
The ^JJlllullul CUIIJlllull, Culll~urlllll'e, 1IIll'X nul
lI(lply lu thcse I!xlell,lullx,
1\, gXCI.IJSlllNS
!iee Ul'pllcuhlc ClIlI'e~ uf l.u!;,~ FUlIIIII~ .huwn III
,hc Ileclnrllthlll',
1'1'11111111111)1 lJ
l'ill\l'" ulllI
<<'IlII.'''I',''!, 1',1 ~ f 1l1\lIlIt'HLII Pi. ~ l;""h l" IIII', !,Illll
C', WIITSOI'INSIIIl^NI'E
2, ^I'III'1I11111
The 1II11~1 we willl'ay rill Ill" or ,Ialllal\e III II11Y
olle olcurrellle is Ihe 1I1'I'Ikahle I.IlIIil or IIISur-
IIl1le shllwllllllhe Dedurllllolls,
If lI'e IIl1d Y"II dlslllllee IIl1lhe vallie ollhe
I'IIIJ1erly ur Ihe 1111I11I11I1 IIr hl\', eillll'l IIII1Y
IIIl1ke \\Tillen delllllnd rill IIn 1I1'1'rlllsal IIllhe
Ill,"', In this event, elllh I'liIly 11'111 Sl'lerlll
l'III11I'elenllllld IIIIJlIUIIIIIIII'l'rnlsrr. 'lIie 111'11
"I'Jlmlsers 11'11I selecllln uml'lre, If th,'y IlInnlll
IIgree, eilhel IIIny lellne~llhlll .e,,",IIIIn he
IIIl1de hy n Judge IIr IIl'l1urlllllVlnl\ Jurisdklllln,
The nl'l'rni.ers wlll.lule .el'lUulely Ihe vulne
of Ihe I'lIIl'erty nnd nmllllnl IIf Ill,", If they rnll
III ngree, Ihey will sllhmlllhell dilkl enles III
Ihe 1I1111'IIe, A decisilln nllleed 10 h)' III1Y Ill'll
will be hlr\lllllll' Illlch I'arty will:
The lII11s1 we wiIIl'ay rOI Ill\s 01 ,Ialllag" III uul-
dlllll .igns nlludled III bulhllllgs Is $1,llIllIl'el
sign III allY uue OClUllellle,
The 1I11111s "1'l'lIllhle lu Ihe C'ml'rll/\e Eslensllllls
lIud Ihe File l>el'lIl1l11enl Sell'lce (' IIl1ge III1lI
l'ullullIlIl Clenll UI' IIl1llRelllOl'ul A,I,lIllolllll
I 'uvelnges ale in nddiliulIlII the 1.1 III Its uf IUMII"
IIm'c.
l'IIYlllenls undel Ihe rulluwillll A,hllllllnal ('uvel'
IIges willllullnnell.e Ihe "1'l'lIlabl,' Lllllit uf Ill-
surunce:
II, I'ay its chusen IIl'l'tlllsel; III1lI
b. (Jelll Ihe ulhel eSI'enses IIr Ihl' 1I1'I'IIIIsIII
nnd ulIIl,lle ellual y,
If Ihele Is nn "1'I'IIisal, lVe will Mllllellllll 11111
1111101111 deny Ihe c1l1lm.
3. Uulle! In 'I1m EI'elll or Loss IIr 1I1111111l!e
I. l'leselvallllll IIf l'wl'erl)'; III
2, Dehlls Rellllll'lIl; hullr:
n. The sum IIf dllelll'h)~kallu" III damage
nnd de hIls lelltllVII l'Xl'ense eXleeds lhe
I.lmil IIr IlIsurllllle; III
II, YOllmusl see thallhe rollllwillg ure dllue
In Ihe evelll IIr Ill,", III dumllge lu ('IIveled
"lIIl'elly:
(I) Nullfy Ihe 1'"l1ce If IIlalV lIIay hllve
been hloken.
b. The de hIls relllllvlIl,'xl'ellse l'xleeds the
amllulIll'ayahle undel Ihe 2,~% 1I111i1l1lll1n
10lhe Deblis Ilelllllval Additlllnal Clive I'
nge;
lVe willl'a)' Ul' III IIn IIlhlililllllll $5,111111 rllr
endllllclllllln ill nllY line IIIClltlen,'e nlldel Ihe
Dehrls RcmllvlIl Addillllllnl ('IIvelllge.
(Z) (live us I'lIIml'l nlllice oflhe h,," 01
dnlllnge. Indude n (bnll'lllIn IIr the
l'lol'elly Invulved,
U, UEIIUC'J'lIlLE
(3) As soon ns 11I',"lible, gin' II' n dc-
snll'lllIn uf hllW, when 111\11 whele Ihe
lu,", III dnmnge uccllrred,
Wc will nntl'ay rnl In,"1 III dlllllage III 1111)' IIl1e
UCCllllelll'e 1I111111hc 1lI11nlllllllf Inss nl dllll1age
exceeds the lJeducllhlc .hllll'n In Ihe lJecllllll'
linn~, We will then IIlIY the IIl11nlllll nf In,"1 nl
dnll1uge In eXle,", n Ihe lJedllctlhle, III' tn Ihe
1I1'I'IItnhle Limit nr In~lIll1nce. IIllel IIn)' de(llItllnn
relllllled hy the Cnlnsllrnnce l'Illllllllun nl Ihe
Agreed Value Ol'llnnllll'uvelllge.
(4\ Toke nil len~lIl1l1ble slel" In (lInlelllhe
Cllveled 1'llIl'erly frtlll1utlhel dnmnge
by n Coveled Cnuse nf Ln,ss, If ren!lhle,
sellhe dntnlll1cd 11Il'I'elt)' IIshle nlld In
lhe besll'n,"' ble urdel fm cXlIlI1lnnllnll.
AI~n keel' n lecmd nf ynur eSl'ell~e~ rm
etnergelltY nlld tell1l"IIlIY lel'lIll~, fnl
eunslderatlun In Ihe ~elllelllcnl nf the
c1nlrn, This will 11111 I nrrc IIll' 11m Llmll
nf Insulllllte,
", I.OSS CON 1lI1'IONS
The rnllnwilll' cnndltlnll~ 1I1'i'ly in IIlldillnn In the
CnllllllUII I'll icy Cnllditlnll~ 1I1llllhe Cnll1l11elclal
l'rtIl'etly CundlllulI!,
I. ^blllldullllI"1I1
Thele cnn he IIn IIhlllllllllllllelllur nllY I'lnl'ellY
lu us.
l'i'1I11 III 111'11
1'1I1')lll\hl, IS() I'lInllllerdlll'H~k Scrvlrc~, lilt" II}IJII
1'lIl\e5uf III U
(~l ^tllllr IC'I"C~I, .\iI'C liS I'lllll(lklC III,
I'ClIllllks llf Ihe ~lllllllgC,llIl\lllll\lllllll'
IIgc~ (lrIll'Clly, Illdll~c 'I"llllllllcs, I'llsls,
\'IIIIICA 1I11~ IIl11lllllll ..f Illss ..111111I1'11.
~, We IIII1J IllljllslllISSl'S I\ilh I Ill' ..1I1I1'1S..1
11I~I..r IIl11l1gC,I(llll(lclly if ..lhl'llhllll\,lIl1,
If we (IllY Ihe "WIII'IS, SlIl'h (lIIYIIIl'II1s 11111
slItlsfy Y"llr dlllllls 111\11111>1 lis fill I Ill' llllll'
1'15' l"ll(lI'lly, We W IIlllll(lllY Ihl' 1I\1'lIelS
IIIl1re Ihlllllhcll nlllllldlllllllc"'~1 ill the
CllI'CIC~ l'rIl(lellY,
1', WI' IIII1Y clCl'llll ,ldcllIl YIIIIIIl\II111st ~lIils
llllsllllll'rtllll dlllllls III' llwllers III' "I lI(1elIy,
We 1111I ~lllhls II111ur ek(lCII~e,
(61 ^s 1I0CIIIIS IIII1Y he ICIISlIllllhly IC'llIhc,l,
I'crlllll us Illllls/'Cl'llhc (lIllI'Clly I'Ill"-
IIl1lhe Illss llr , 1111I111\1' 1111.1 CXIIlII'lIe
Y"llr hllllks 1I11~ "'l'llnls,
^ISlII'erlllll us 11I1IIke SlIlII(llcs Ill' ~1I111-
nge~ nll~ ulldlllllllge,I(ltu(lclly I'm III'
sl'edllln, lesllllg nll~ IIlllll)~ls, 1I11~
l'erlllll us Illlllllke clI"ics hlllll y"ur
,""ks 1I11~ ICl'III~S,
r,
We 1I11111l1Y fm ClII'C1 c~ 11Iss lIr ,I:IIl1l1ge
wllhl1l11 ~lIys IIncr we 11'1'1'11'1' till' SlIlIIlI
1II1I1If lIf 11ISS, If:
(I) YlIU hal'e ClIl11(1l1ed wllh II1111flhe Icrllls
lIf Ihls ClIl'erllge (llIrI; nlld
(7) Selld u.s IIslglled, slim II (lllIllr IIr IlIss
clllltallllllglhe IlIrllllllallllll Ill' re'luest
Illlnvesllgale Ihe c1nllll, YlllIlIIlIst .Ill
Ihls wllhln fill days IIncr lIur re'luest.
We will sUI'I,ly y"u with the lIeeessllry
flllIllS,
(Z) (nl We hlll'e reache~ IIgrcclllclIl wilh
)'lIU ulllhe UlIIllUlIllIf Illss; lIr
(H) Clll'llerule wllh us IlIlhe IlIl'esllgllllllll
ur selllelllelll ..r Ihe c1l1illl,
(b) ^II a(l(lralslllllwnt~ hilS hcelllllade,
8. Recul'l'red l'ru(lerty
If ellher Y"U llr we rCCllI'Cr nul' (I"'(lclly IIller
Illss selllelllelll, thaI (llIlty IIIl1slgil'e Ihc ..Iher
(lrlllll(llllulke, ^I yuur u(lllllu, Ihe I'tul'elly
will be relurned lu Y"U. YllU l1IusllhelllelulII
III us Ihe nl1luunl we (lnid Iu YllU rllr Ihc
(lroperly, We willl'ay rnuI'Cry CXPl'lISCS aad
the expellses III rC\lIIlr Ihe leClll'ele~ (lllI(lelly,
suh]eclllllhe 1.111I1 ur IlIsmnllce,
6, Vncllllcy
If Ibe bulldlllg whele Illss dllllllllle "I'Cuts
hilS heell val'llllt fllr I1Ime than 611 ellllsl'eullI'e
~a)~ hefure Ihatluss llr dalllage, we 11111:
b, We l1Iay eXlllllille allY IlIsured ullder 1I111h,
while nlllln Ihe I,resenl'e llf IIny ulher III-
sured IIl1d III sue 1IIIIIes as I1II1Y he ren-
sllnnhly required, IIhllUlllllY I1Il1l1er rehnillg
Illlhls IlISurnnee llr Ihe dllll1l, IlIcludlng an
Illlured's bllllks IIl1d leellllls, IlIlhe el'enl
ur all exnllllnalllln, 1I11111sllred's IIl1swers
IIIl1sl he slglled,
4, !.uss 1'II)lllelll
II, In Ihe evenl ..f IllS, or dlllllllge elll'ered hy
Ihls Cuverage Fllrm, 01 nur npllnll, we will
ellher:
(I) I'aylhe vlllue lIf1nsl ur damage~ I'rnl'.
clly;
II, Nnl (lay fnr ony Ins, nr d'"l1l1ge callscd hy
any of Ihe following eve II II they IIIC Cny.
ered Clluses of Loss:
(2) "ny Ihe eosl nf re(lalllllgllr replndng
Ihe IllsI or damuged (lro(lellYi
(II Valldallsm;
(J) Tnke nil or nny IlUltllf Ihe plo(lerty nl
nn agreed or nppralsed I'nlne; ur
t2l Sprinkler lenknge, ulllcs~ ynll hlll'e
pllllerled Ihe s)lilemllglllllsl r,,'e7illll;
(J) nulldlnllglas~ hlenkllge:
(41 Wnler ,Iamnlle:
(~) Theil; ur
(6) ^"elllpled Ihell,
(4) Ilel'n'rl rchnlld ur re(llllce IheJ"nllellY
wll'"ller prllpelly llf like kin IInd
qunllly,
b, We will give nnllre or ollr IlIlenllolls wlihlll
311 dllys aner we receive Ihc ~Wlllllpruof
oflns.s,
e, We will nolpllY you mllle Ihlll. y"nr 11.
nnllrlnllnleleslllllhe l'llI'C1e~ (lIIl(lelly,
b, Iledlll'c Ihe IImnuIII we wOllld nlhelwlsc
pny for Ihe loss ur dnlllllge hy 1~'!J"
"age II nr III
('n(llllg"l, IS() ('nllnlll'lrllllltlsk S''I\'in's, 111('" 1'11111
('(11111111111'11 II
1\ hlllldillllls l'III'alll l\hCII II dllcS 111111'1111111111
elllllll\h hllsllles. l'elMllIlIlllIIIl'erty 1111'111111111'1
rUSlllll1l1lY "l'ellllllllS,
IIl1l1dlllgs IIl10el 1'1111'11111'1111111111' 11111 I'IIlIslo.
eled vnrllnl,
If Yllllllell,e 1'1111111111' 1111'111'11'111111'111111,
Ihe eXlllIlIllllllllllhe lelll'lI'allll'lllIlI
/'l'IllId will lel'llIl'e IIIl' e'(lhlllllllllll' Ihe
ellse In Ihls 1'11I('edllle,
(.1) NlIlhhlll If IIlhelS (lay fill 1I'l'illlS III Ie.
I'lnrell1ell!.
r, Vlllllllhle l'nl'elS IInd Itel'llld" Inrflldllll\
Ihllse whleh exl,11I1I ele('lIl1l1le III 01111\'
lIelle lI1edlll (III her Ihllll (llel'nrknlled sllfi.
Wille 1"111\11I111'), IIllhe I'lIsllll':
7. VlllulIlIlIlI
We will delelll1ll1e lh,' vlllne III' ('III'I'lelll'llIl"
eHy IlIlhe evenllll' III" III dllllllllle ns rllllll\\~:
II, AllIl'llInl en,h value lIS III' Ihe 11II1e 111'111"
III IIUlI1lll1e, exec (II II' IllIIvl,led In It,. c.,
d" e, IIl1d 1', helllW,
(I) IlIl1l1k 1111111'11111, fill lel'llllludlllllhe Ie.
I'lIld'llInd
It. If Ihe 1.111111111' III,ullIlIl'e I'ur lIul 1<11 1111 6111.
Islles Ihe Addllllllllll Clllldllllln,
Cllln'"ll1nee, IInd lhe ellsllll IeI'" II IIr Ie.
I'llIee lho dllllllll\ed hlllldlnll (l1II(lelly Is
$2,500 III less, we wllll'IIY Ihe msl III'
hulldlllll lel'lIlrs III rel'llICClm'III,
Thl. I'mvlslllll dill" nllln(ll'ly IlIlho fill.
IIIWlllg evon whellllllaehed IlIlho hllll<l.
11Ig:
(2) Lllhlll 1IIIIIInsellhe III rll(lY Ihe leellllls
whelllhele I" II dU(llIellle,
I:. ^IlIlI'l'ION^I. CONIlI'l'IONS
The fllllllwillll mndillllll' 1I(1l'ly III IIddlllllllIlIlhe
ClIl1Il1IlIlIl'lIl1ey Clllldillllll' 1I11lllhe ClIl1Il1Ieldlll
I'ruJleHyCIII1IIIIIIIIIS,
I, CIIIIISIII'III1I'e
(I) Awnilllls urlllllll' l'IIWIIIIIl';
If II ('1I111,urllll('e I'ellelllage Is shmlllln Ihe
Derllllllllll1t., lhe 1'III1I1I1'IIIlllIllIlIiIIIlIlIlJlJllle"
II, We will nllll'IIY lhe full 111111111111 III' III1Y IlIss
If the vllllle of Clive led l'ruJlI,rty IIllhe 111110
III' IIIss IllIles lhe CIIIIISUln"le 11l'Il'elllllllo
.hllwlI fllr II In Iho IJOrflllllllllll' I, Illelllel
lhlllllhe 1.111111 III' IIISIIIIIIII'e flit Ihe 1"111"
orty,
(2) Af1f1l1l1l1les fur I cfrlllellll lilli, venlllllllllg,
eOllklllg, dl,hwllshlllll IIr IlIulldelllllll ur
(3) Ouldlllll e1lul'llllellllll fmlllture,
e, 'SllIck' y"u hal'O .IIld hullllll dellveled III
Ihe selling I'rlre les, dlsCllunl. IIl1d ex.
f1ellse. y"u olhelwlse would hlll'o hlld,
d, (1111" 1I1lhe eosl III' ICf1lalelllelll wllh
sllfely 1l11171nllllllllellnllf required hy Iuw,
11I'lellll, we will dell'llnlne IIII' UIIISI we
wllll'uy uslulllhe fllllllwlnll slcl's:
(I) Multll'ly lhe vulue Ill' ('IlI'I'le,II'lol'elly
ullhe 1111I1' uf IllSS hy Ihe l'1I111,urlluce
I'eleenlnlle;
I'. Teuunl's 11II1'1l1l'l'IIII'IlI, ullllllellellllenls
III:
(I) Al'lual rush I'nllle IIflhe Ill,sllll dUIII.
nl\ed I""l'euy If yuu lIIuke lel'lIllS
I'lUlIIl'lly,
(2) A I'lUl"lllllln Ill' yuur mlglnnl ensllf YUII
dnllnllllllke 101'1Ih, plUlIIPlly, We will
delelll1lne Ihe I'llIpmllulIllle vnlue "'
f"lIows:
(2l I>lvl"e lhe 1.111I11 uf InsIIIlIIIl'l' IIflhe
I'lnl'elly hy Ihe Illlllle "elell1lllled In
slel' (Ill
(.11 Mulll/lly Ihe 1IIIIIIlIIIIIIUIII uf Illss, he.
fore Ihe nl'plknllnn III' nllY Ih'''lIl'llhle,
hy Ihe ngure delellllllled III slel' 1211
III1lI
(II) Mulllply Ihe urlglllnl 1'11'1 hy lhe
Ilulllhel III' dnys frnllllhe In". III
1IIIIIIIIge lolhe eX1,1t nllulI uf Ihe
101lse; ulld
(h) I>lIide Ihe IIl1l11ulllllelelllllne" III
(1III1hu\'e hy Ihe IIl1l11h"1 uf dul's
I'rnllllhe Inslnllallun III' hlll'llII'e.
lIIenls lulhe eXl'ltnllunllf Ihe leuse,
(4) Suhllul't Ihe dedlll'lIhle frullllhe fillule
dl'lelllllne,lln slel' (.I),
We will puy Ihe IIU1llllul "elellllllle" In slel'
(4) UI Ihe 1111111111' Insurunl'e, whlrl.evel Is
less, FUI Ihe rClllultllll'l, Y"II will "'Ihel
hul'C In r"'y uUlllhel IIIsululI('e muhSlllh
Ihe In" )'II'lIsell,
('1'1111 111111'11
('lIl'yrlgl,l, ISO ('III1111I1'ldnlltl,k SI'I\'Il'l's, In('" 11/1111
Pugl' '/111'11I II
1<:11111I1111' Nil. I (1I1I11l'1I1"1IIi11111')'
Whell:
The 1'1I111e IIf Ihe l"lljll'llr
Is
The 1 'UIll>lIll1l11'e peln'lIli1ge
flit h Is
The 1.I1111111f 1 IISIII1I11n'
fmllls
The ()e~IIl'llhle Is
The nllllllllllllf hI's Is
10:11111I1111, NII..I:
Whell:
$1~1I,1I1111
The 1'lIll1e IIf plllpelly Is:
11"'11.1111.11(';1111111 Nil, I
lII~g.IIII.IIClllillll Nil, 2
$H,1I1111
$11I11,111111
HII%
$11I11,111111
mil
$ 411,111111
l'el511111111'IIlpellY III
I.lIclIllIIII Nil. 2
m,UUi!
S2511,1I1111
The l'lIll1sllllllll'e
I,elcelllnge fill h Is
The I.Il11h uf IlIslIllIlIl'e fill
IIlIlhllllgs 1II1111'elMIIIIII
1'lIIpelly 1I11.1I1'1I111111
Nils. IIIII~ 215
Slel' (I): $HII,1I1111 x HII':r, - $21111,111111 (Ihe
11I11111111111I nl1lllllllluf IlIslIIlIlIl'e IlIlIIeel
Y"III CUlllsullIlIl'e le11llhel1lellls)
Slel' (2): $11I11,1111111 $21111,111111 n 511
Slel' (,1): $ 411,111111 x jll " $211,111111
Step (4): $ 211,111111 . $2511 n $19,7511
t)lI'llJ
$IHII,1I1111
$1,111111
The \)e~ucllble Is
The nlllllllnl uf Iu!.s Is IIhlll'
01 LoenllulI Nu. 2
We willllay IIU I1Ime IhulI $1'1,7511, The
lelllalllillg $211,251115 IIl1ll'1ll'l'lell,
$ollI,1I1111
l'elsunoll'lIlpellY III
I.ueolloll Nil. 2.
Exolllple Nil. 2 (^~e'lIlUle IlIsurllnce):
Whell:
The value IIf Ihe plllpelly
Is
The COllIsulllllce pell'ellllllle
fOI his
The L111111 IIf hlsullIllce
for h Is
The \)e~Ucllhle Is
The 1I1110Ulllllf 111M Is
$2511,111111
~211,UU\!.
$511,111111
Slep (I): $2511,111111 x 911% n $225,111111 (Ihe
I1Ilnll1l1111l OllloUIII of IlIslIrallce 10 lIIeel
YUill Culnsulllnce le'lllllel1lellls nnd to
ovol~ Ihe pennhy showlI helow)
HII%
$21111,111111
$2511
$ 411,111111
Slep (2): $1811,111111 + $22.~,III111 n .HII
Slel' (3): $511,111111. ,HII n $.111,111111.
Slep (4): $411,111111. $1,111111 n $,\11,111111,
Step (t): $2511,111111. flll':!. ~ $21111,111111 (Ihe
1II1111111um nlllOllll1 uf IIISUtllllce 10l1leel
)'UUI CUlllSullIllce le1Illilelltl'llIs)
Slep (2): $2lI1I.IIIIII + $21111,111111 r. 1.1111
Step (3): $ 411,111111 . 1.1111 n $ 411,111111
Slep (,1): $ 411,111111 . $2511 = $ oll),7.\1I
We wlllpllY 1I011l0le Ihall $,"1,111111, The
Icmnlnlnll $11,11111115 1101 cllwled,
2. MIII1QIIIle 1I0lden
II. The ICII1I'I1II11IIlIl!\e hol~el'llIl'hllles II liS'
tee.
b. We wlllpllY fOI eoveled loss of III ~:lIl1nge
10 hllll~lnlls 01 slluclures 10 elii'll 111111111118e
hol~cl 5hoWIIIII Ihe Declllllllllllls III thell
III~et uf plel'e~ellce, liS IlIlelesls I1II1Y np'
pelll.
We will CIII'el Ihe $ol9,751110!.s III e.I'css
of Ihe ()e~uclihle, NlI pelllllly IIpplles,
b. If lIlIe L1l11h lIf IlIslIllIlIl'e IIpplle5 111111'0 lit
IIIll1e 5epmnle hellls, Ihls I'lIlI~1111I1I will
nllply 10 the lullllllf 1111 plllpelly III whlrh
Ihe Ibllh IIpl,lIes,
I'nge H Ill' III
e. The 1I1111lllllge hlldel hilS Ihe Ill\hllll Ie-
I'elve lo!.s pllYlllell1 l'l'ell If Ihe IlIollgnge
11lI1~el hilS MlIIle~ fOleclosllle III 5111111nr
IIcllllll IIIllhe hllll~"ll1l1r MIIII'1I11 e.
1'''1'111,1111, ISO 1'''lIIl11crdllllll~k Sellll'l's.IIII'" 1'/1111
1 'I' 111111111I'11 IJ
d, If lI'e ''''"Y 1'"11' dllhll 111"';III\C "11'"111 lIrl'
III he\'llll,e 1'"11 hllll' laile,I," l'llllll'ly wilh
Ihe lell11,' IIllhi, ('IIll'llIl\e 1'1lI1, Ih,' 111,"1'
gllge hllhlel will ,Iillhlll'e Ihe Ilghllll fl"
cell'e hI" 1IiIl'I11ellllllhe 11111llglll\" hllhlel:
(I} l'lI)~ III1Y III 1'l11i II 111 ,hl\' IIl1llel Ihl, ('Ill"
1'llIge 1'1lI1111 '"11 fl"llIe,111 )'1111 hllI'C
IlIlIe,\III dll ,";
(Z) SlIhllllt'lI ,Igllell, '11\1111 "lIlelllelll III
'"" lI'ilhllll,1I ,IllY' IIhel lerell'llIg 1111,
lice rrlllllllS III y"ur IlIlIme III ,Ill ,"; III1lI
(J) Jllls 1I11lllied II,' III III1Y dllll'ge III IIII'll'
elShll', lll'clIl'"lIey ur 'lIh,llIlIlllI\
ehllllglllll Ilsk kllllWllllllhlll11ll1lgllgl1
hilI del,
All III Ihe lellllS III Ihls Cllmllge 1'011 will
Ihen nl'l'ly ,lIleelly III Ihe IlIll1lgllge hili del,
1'. II we I'ny Ihll 1Il\lllgllge hllldel 1111 IIny 111\1
\II dlll11l1gl1 nlld deliI' IIllYIllIIIIIIII y"u hll'
l'nU'1I III )'IIUI 01'1, III 'eenuslI y"U hlll'e
Inlled III cullll'ly wllh Ihe lelllll IIllhls
Cllvelnglll'nrl:
(I) Thlll11urlgoge hllh"'I's Ilghls undel Ihll
l11urlgllgc will he 1IIIIIsIerrcd III liS III Ihe
cxlclIl,,1 the 111111111111 wc I'llI'; IIl1d
(Z) Thlllll\lllgllgll hllMel's Ilghllll leCIlI'el
Ihe lull 01111111111 III Ihe 1111111gnge hlllll.
el's c1111111 will 11111 he hlll'nllell,
AI IIUI "1'111111, we 111111' I'ny III Ihe 1I11"lglIge
hlllllel Ihe whllle /"llll'll'lIl IIl1lhlll11\11lgllge
I'lus OilY IICC1l1e,I IIlefl'sl, IlIlhls el'elll,
y"UI 1I11111gllge 1I11l1 1I11le 11'111 he 1IIIIIslene,I
III us 111111 y"u wiIII'UY 1'"111 lel11l1ll1ll1g
1lI1111gnge dehlllllls,
r. If we cllllccllhls IlIIlIey, lI'e wlllgll'e \lTII.
lell nllllcllIII Ihe 111\11lglll\e hlltllel IIllellsl:
(I) III dllys helllle Ihl' dlCllll'e dnle III
1'lIl1rellllllllllll we ellllrel 1111 1'"111 111111'
I'"YllIell 1111""111111111; ur
(Z) 311 dllys hel\lle Ihe elleellve tlnle III
l'IlI1cellnllllllll we l'III1I'el 1111 11111' IIlhel
lell!llll,
II. II we ciccI 11111 IlIlellew Ihls 1'"1"'1'. we
11'11I give Mlllelllllllil'e IlIlhe IlIll1lgul\e
hllltlel ullellsl III dill'S hehlle Ihe I.XI'IIII'
1\1111 dnle III Ihls 1'"l1ey,
U, IlI'llllNM, ('OVEIlAliES
II ,hilII'll III 1111. IkdulI,IIIIII"lhl' 1111111I11111\ 01"
111111111 ('III'eIUI\I's 111'1'11' Sl'I'"luldy III ('lId,lIelll,
I. Anu'I'd Vllhll'
II, The A(hlilllllllll ('IIl1dillllll, ('IIill'IIII1I1I'I',
tlIII'S 11111111'1'11' III ('IIIl'fl',II'IIII"',lv III
whidllhls (11'111111111 ('IlI'ellll\l' 1Il'l,lies, We
11'11I1'111' 1\III11\11e 1111 111\1 III \II (Inlllllge III
Ihllll'IIIl'ellY Ihlllllhe 1""II1I1II"l1lhllllhe
1.111111 III IlIsmlllll'e IIIIl el Ihl, ('Il\'Cllllle
1'11I11111 Ihe I'IIIl'erly he II IS III 1111' Agleetl
Vlllue ,hllWII 111I 1IIIIIhe l>edlllllllllllS,
b, II Ihe eX1'111I111I1I dale 1IIIIhls (11'111111111
('lIvelllgc shllwllllllhe Iledlllllllulls I~ 11111
eklelllled, Ihe A(hlilllllllll ('1I11l1;lillll,
CIIIII~lIrnllce, i~ lelllslalellllllll Ihl~ 01"
111111111 l'lIvelllge ekl'ire.,
e. The lell1lS III Ihls Ol'lllIlIal ('1I1l'III!:e "1'1'\1'
lilliI' 1IIIIIss III (Inllla!:e Ihlll"''('lIIs:
(\} 011111 IInel Ihe elfeclil'e dlllc III thl~
0(1111111111 ('IIl'elllge; nml
Ul 1Ie1l1le the Agll'ed VllhU' ClI'IIIIIIIIII tlnle
ShllWII IlIlhe Ikclnlllllllll' III Ihe I'II\ky
eXI'irllllllll dille, whkhel'ellll'l'IIIS n"l
2. 11111111111111;11111'11
II, The LlI1IIt IIf IlIsIIIIIII('e 111I l"ulleUr III
which Ihls 01'111111111 ('lIvellll!e 111'1,1 e,1 will
IIUIIIIIllllklllly IlInell,e hy Ihl' 1I1111111111"'I-
('elllllge ~hllwllllllh" I>edlllIII Irlll',
b, The 111111111111111 11Il'll'IISe will he:
It) The t.I11111111 IlIslllllllee Il'illlIl'l'lIed 1111
Ihe I1Il1sl le('ellllll Ihe I'lIlky III('el'lllIlI
tillie, Ihe 11lllky 1l11111l'elsary dllle.1I1 11111'
olhel 1,"l1ey ehllllge nl1lellllillg Ihe L11111t
III tllsurllllee, IIl11l'S
(1l The Ilel<'ellllll\e III 1I111111al irll'll'II'"
.hllwllllllhe )edlllllllllll', l'xl'lesled
liS II tledl1lll\ (exlIl1I(1le: H"I, I. ,OH), 1111I1's
1M The lIul1Ihel III (1111'S .11Il'<' Ihe hl'llill'
1I111!l"1 Ihe l'IlIll'III(1l1lky \1'111 01 Ihe
dlel'live dule IIf Ihe 1I11"IIlOl'CIIII1llllry
dllllllle ill1ll'lIllillg Ihe Limillll hl!UI'
tllICe, divided I,y ,\h~,
('1'1111 III 111'11
('lIl'yrll\hl, ISO ('lIl11l11eldllllll,k SI'II'kes, 111('" 1')1111
1'lIge '1 III III IJ
1'lIge III of III
1o:11I1II111t'1
If:
The IIpplkllhl\' 1.111I11
or III~urllll\'e I~ $11I11,01111
The nllllulIlllrlCellllll\e
InC/ellse I! 11%
The lIulllher of dll)~
since Ihe hellllllllnll
of Ihe pulky yenr
(or Inslllllllcy
din nile) I! t411
The 1I11101llltof IIlC/ea,e Is
$11I11,01111 x ,1111 x 1411 I ,111~. $~.2011
.1, 1I\'lllIl\'clllclIl eusl
II, Iteplncelllellll'usl (1I'11hlllll ,ledlleliulI fur
depredation) rcplu\'e~ Aclllul Cn~h Vulue
III the l'lSI CundltlulI, VUIUllllulI, ur thl~
Coverage I'll/III,
h, Thl! Opllunull'UI'elul\e due~ nlllllpply 10:
(I) I'rupelly IIf olhels;
(2) CUlllelll~ of all'shll'm'e;
(.1) MlIlIlIsnlpl~;
(4) Works of 1111. nlllhllle~ or rille 1II11deN,
Includlllg elchlng~. I'klure5, Mntunry,
mnrhles, hrunle5, purcelnlll~ nlld hrlc.
n.hruc; or
(5) 'Stock,' ullles-Ilhe IlIdlldlllll 'Shlck'
opllulIls showo llllhe Decllllnllol1.l,
r. You lIIuy /\lllke n c1nllll fur 105.1 or da/\lllge
cuvered lIy Ihlslllsuruuce Oil nil nclunl
rnsh value hasl! Insleud of Oil n leplllce.
/\lent cosl hasl~, In Ihe el'elll yuu cicci 10
have los-lor dnlllnge seOled Oil IIn nrlunl
rnsh vnllle hllsls, rou /\lay ~IIII/\lllke II
c1al/\l for Ihe n~~lIlunlll \'IIl'erulle Ihl~ Op.
liollnl Covernge pruvlde~ If yuu 1I1l11fy liS
of YOllr IlIlellllo do so Wllhlll 11111 ~lIys
liner Ihe Inslor ~u/\luge,
d. W,' \111101 pay ollall'pl:H'l'II11'1l1 ""I loa,
,I., Itl/ III1Y 10>1 1I/ dalllage:
III tJrlllllhe 111,1 or ,lallllll\c,IIl/"I'I'lly Is
lIeh/lll1y lel'uir\'~ 1I/ H'I,IIIl'l',I; all,1
(1) 1I11le5.llhe lepails or lel,IIIl'l'III\'lIll1le
/\lllde liS Mill/IllS lensolluhly I"Mlhle
nner the 1,1.\1 or Ilalllag\',
c, We will 1101 Ilay 1II0le fur 10\\ or Ilallllllle
OIlUH'plll\'C/\l\'1I1 msl hll~ls thlllllh" ICllsl
of:
III The I.hllll of IlIslllllllce IIppll<'ahle 10 Ihe
loslor dlllllllged 1'"IIIt,lIy;
(Z) The CIIslloleplaee, Oil Ille Nallle prelll'
l~e5, the loslor dUlllnlle~ Il/Olll'lly wllh
other prnl'elly:
(II) or cOIIII'"111"le l1Iulellllllllld (llIullly;
ulld
(hI Used fur Ihe SU/\le l'ull'o",; III
(3) The IIIl10UIII you ul'lunlly sl'ell~ Ihnl Is
lIece5.lnry lu rel'lIlr or rel,lnn' Ihe lo~1
ur dlllllul\ed I'llll'ellY,
II. U1mNITIlINS
I. 'I'ollolllllls' llIellll~ IIny sull~, 1Il(1I1~,
gnseolll nr IherlllullllJlnnl nr cnlllullllnulIl,
IlIdu~lull smuke, vU(lur, ~onl, fllllle~, ud~l,
ulkulI~, chellllcnl~ u"~ \Vu~le, WlIsle IlIdlldes
IIlnlerlllts III be recyded, reClllldlllnlled III re.
c1ulllle~,
Z. 'Slock' lIIeollllllerchun~i~c held In Mllluge
or fnr sole, rnw mUlerlnls un~ In'I'IlIce5.1 nr
nntshed gonds,lnclu~lng sUI'"lle~ umllu
their (lucking ur ~hl(lI,llIg,
1'1I(1)Tll\hl, IS.I] l'nllllllcrdullllsk Sl'II'I<'CI, 1111'" I'I'JII
('1'111111111I')10
l'lIMMI!lll'I^I.I'IUlI'E1tTy
EXTltA EXPENSE COVEI(A<;E FOI(1\1
Vnllnu\ l'",vi.IIIII\ IUlhl\ I'lIlky 1I,.1I1111'UI'elnge, Ilelllllhe elulle )lulky l'Illcfully Iu dl'lelllllnl' Ill\hl', dlllk,
IUIII whlll II nnd I, lIull'uVelel!.
Thlllll~lhIlUllhl, l,ulil'Y Ihe \l'UIII, ")UU" IIml ")'lIur" Ider tlllhe Nalllelllll'lIIed ,hll\l'lIll1lhe Dedlllllllllll,\, The
WUIlL. 11'11", 'u," IIl1d "ullr" refer Iu Ihe l'UIIII"lIlY I'ruvlllllll\ Ihl, IIL\lIf11l1l'e,
Olher \l'urds IIl1d I'hrll\e. IhullIl'l'ellllllllUUIUllullllllllks hale ')ledllllllellllllllt, llefl'llu SECTION I! . DEF),
NITlONS,
A, COVEIlA"E
.1. Addllllllllll CUII'flI"I"
II. Allcrllllllll' IIl1d NcIV lIulldlll"',
We \l'lIIl'ay Iur Ihe IIrWalllnd lIl'I'er.,U1Y
Exlrll I!xj,elt,e yuu Inellr due Iu dlleel
I'hr.;lelll hL'" ur dlllllllge IIllhe demlhed
(',eml,es ellused hy ur resulllllll hUlllllny
CUI'eled CIIIL,e ul Lur., Iu:
We wllll'IIY Ihe 1I1'lmllullIllIl'l'eSSIlIY Emil Ex,
I'ell,e yuu 5u,llIln dill' Iu dlll'l'II,h}~kllllll'i.' uf
ur IllIUlage Iu 1"lIl'elly IIllhe I'tellll,,'s desrrlhl'd
IlIlhe I>edllrllllulls, IlIdudllllll'l'ISulIlIllIIIIl'ellY
!lIlhe ur.en (ur In II vehicle) \l'lIhlll 11111 feel,
l'au.ed 'y ur lesulllllg IrUIIIIIII)' Cuvered Cllu,e
uILus\,
I, Exlfll Expelue
(II New huildlllg\ III slrurlllle., whelhet
eUlIIl'lele ur ullder l'IllIMtUl'llulI;
Exlrll Ex/,eu,e lIIellllS lIel'essalY eXl'ell.es )'UU
IlIeur dUI IIglhe "1'1'111111 uf le.lulllllulI" 111111
yuu wuuld 1I1l1 hlll'e illeurred If Ihere hlld heell
1111 dlrel'l I,h}slelll Ills, IIr IllIlIInge 11I1''''l'etIY:
II, Tu nl'llld ur 1II111111111e Ihe '"'\l'ell.lulI 1'1
hllllller.\ IIl1d tu cullllllue "u)lefllllllll''':
(2) Allctnllun\ ur nddlllulls lu l'xl,lllIg
hlllldlllll-\ III slrUrIUle\; 11I111
(.1) Mnrhlllery, Cllllllullenl, SU1'I'IIcs III
hlllldlngllllllerlll \ IUI'nlel UII III wlthlll
lUll leelllf the desrrlhed I'rellll'e, 11I111:
(II) lIsI:d IlIlhe l'lln'lrllrliulI, IIl1etllllulI'
IIr nddlllllll.; IIr
(I) Allhe de.rrlhell)lIl'IIII,c,; ur
(2) AI lel'llIl'elllellll'rellll,es III III lellll'u,
rory luellllulI', IlIcludlllg:
(II) llelunlllulI eXl'el"e,; 111111
(h) Cu,l, lu Cllul)l IInd lI)1ernle Ihe Ie.
I'llIeelllelll III lelll)lmnry 111I'11111111';
h, Tu 1II111111111e Ihe ,n'rCII,llIlIlIf husllles~ If
y"n enlllllll c(lII1IIlUI' lI)1crnllllll\"; IIr
I', (I) 'I'll lepuir IIr re)llal'e nllY )lwperly; m
(2) 'I'll lesenrl'h, re)llare m rl'~lme Ihe 111,1
illfllllnnllllllllll damnged I'Illunhle pn.
l'el5 nlld rCCIlIl1.~;
IlIlhc exlelll II tcdul'e, Ihe IlInllulllllf III~~
Ihnllllhetwl,e wlluhl hnl'e heell)laynhle
under Ihl, C(ll'ewge Fmm,
2, l:lJ\ctcd l:lIuscs Of l.(lSS
See nppllrahle Cllu,e, III LII~' F(lrrn n\ 5h(lWII
In Ihe lJecllltllllllll',
(h) IlIddellllllllllhe III'I'U)llIIII'Y IIf new
hulldlllg',
If surh dlrerll,h)~knllllss m dalllngu de.
IlIYS the 51olllllf"II/,elnllllll'; Ihe "I'Clllld
(If le5lmnllllll" \I'll heAllllln lite dnle "Ill"
ernllllll\" wuuld hllve ItCl'ulI1I 1111' dlrel'l
)lh}~lculllIs~ IIr damnge IlIld 1II1II1I'rUIICd,
h. Civil Aulllllrlty, We \l'illl'ay fill Ihe ue.
lunlulld lIece'i.'"IY ExlHl !xpclI,e yuu Incur
cnll\ed hy nrlllln IIf dl'lI nUlhllrily Ihal
prohlhil. nccess tulhc desrrlhcIll'rcmi,c\
ilue 1(1 direcl)lh)~klll hL\~ (If lit damagu III
)lwl'crly, lither 1111I11 III Ihe de'l'rlhl'II
)lrellll,es, I'lIu,ed hr (II re,uilllll\ fwmullY
Cllvered Cllu,e Ill' .(lS~, Thl,\ l'IlI'l'luge will
lI)1ply fllr IIpcIllIIllII UI'IIIlI'"l'll1~CeUlh'c
wceks Iwmlhe dnle II Ihlll nl'lllIlI,
(')I 1111 ~II 11I'11
('III')llltltl, IS() C(lmllll'ldullll,k Serl'll'cs, 1111'" IINII
1'1I1\e 11114 Ll
4. cil\"I'II~c bl"1I\11I1I
"011 ilia)' ".Ielllllhl' 11I'lIIl1l1l'e 11I1lI'hictl h)'
Ihi, I 'overuge I'arlll' lolllll":
I. ^111"1I"1I1
1I,\e allll )'olllll"lgll'" olllhe IIllUUIIII ullo,s,
,:hhulIIlIY IIIl1h wllllellll"IIII1I11II", 1I1I1I)I'
IIIlIl.1I1 ollhe 10", IlIlhl, 1'\'1'111, 1'lIl'h 1,,"I)'
will ,cII'IIIIl'llIllI,elelllllluIIIIIIHIIIIIII a(l'
(lIIII,et, The Iwo "1'llIli,el\ \Ii I ,dell 1111
UIIII,ltc, Iflhe)' l'lIlIlIotIlJ',fl'I', dlhet IIII1Y fl',
Ilue,llhat \l'lel'lllIa lu' ul/ule hy II jIlLlI\l' 01 a
rllllll havlllll JUII,L1irlloll. The "1'llIal",,, will
,late ,ellUlalel)' Ihe 1111I011111 0110", IIlh,'y fall
10 IIl1tee,lhey will ,"hllllt Ihelt ,IIII"fl'IIl'e~ III
Ihe UIIII'lIc, ^ ,led,I"lIl1glee,111I h)' III1Y IWII
wl\l he hllllllllg, Earh IHllly will:
II, )IllY Ii, dlll'ClIlI)lllIlIl,el; 1I11L1
h, lIent Ihe olhet e~I'ell'e' III Ihe "(11" al,al
1I11L1 ulII(llle e'lulIl y,
Iflhete I, 1II1I1(1(1tlll,al, We will '1lIllellllll Ollt
tlllht to deny Ihe dnilll,
1, llullcs II \'IIU IlIrllr E~lru E~l'ell'c
II. You IIIU,t ,ee Ihallhe 101lllWlllg IIle dlllle
il )'ou Inrur 1!~lln E~I'ell'e:
III Nllllfy Ihe 1'"lke II a law lIIay haw
heell hrnkell,
Ne\l I) ^"IIIIIt~'d LIIl'l1I1I1I1S.
II. ""11 ilia)' e~telld )'ollr E.tlll E~)lell'e CIIV'
erulle III a(l)lly 101"o)lelly III allY IlIrntillll
)'lIl1l1r'luite olher 111lI1I lair. Ot c~hllrltlllll'.
h, The IIIl1,t we wl\ll,ay lilt Ill" IIl1der Ihl.
1!~lell.llIlIls 11I% III Ihe I.Il11it ollll.urllllre
lilt I!~IIII I!~(lell'e shllwllllllhe Oedlltll.
111I1Is, hut 1I011l111le 1111I11 $11I11,111111111 eueh
Illellllllll.
e. hL,urullre ulldet Ihl, (htell,lolI 1111 enrh
newly ne,/ulled 11Il'l1l11l1l will elld WhCllllllY
III the IlIlo\\llIll nl\t Ol'rllls:
(II Thl, (lolley e~)llre.,
(Z) 311 da,. e~)llre lifter )'OU 1I1'lllllre Ihe
)llll)lerly; Ilr
(J) Yoa 1I0lily II' III how "IlU wallllhl.
coveralle 10ll)l)lly 10lhallllclIlllIlI,
We will challle )'IIU lllhllllllllal)lrelllllllll
Illlllllhe dale )'''U ""lllIlle the )lIllI'elly.
This E~lell.illllls a,ldilillaallllsurallee,
(1) (live liS \"11111111 11111 Ice III Ihe dherl
l,h).lcal liS' lit dallllllle, IlIdlllle a de.
sCl1(l111l1I1l1 Ihe (lIII(lc'ly IlIl'Ilhl'd,
(3) A, ""10 ", (lllssihle,lllve 11'" de.
mll'llon or how, whell, IIl1d Wltl'IC the
,lIlcrlplt).lcullllss IIr dUllIugl' IIC'
rUrled,
(4) Tllke 1111 lellsollllhle 51ep~ 1(1)111111"1 the
Cllveted 1'IllI,eIlY Itlllll rllllltu,llIllIa"e
hy IICuvele' Cllu.e III 1.11", If fellxlhle,
sellhe IlullIulle,lllIlIl,ellY I"hle nlld III
Ihe hcslllllS' ,Ie IIlllel 1111 ,'xullllllallllll,
AI," kcep n ICl'llld III )'llIlt C~I'ClIses lur
elllelgclIl'Y 1I1lIIcllIl''''"IY Icpahs, IlIr
1'111L,ldcIIIIIIIlllllllte '1'11"'11I1'111111 Ihe
c1l1lln, Tltl, will 11111 illcrell'" thc L111l11
1I1111'nllllll'c,
II, EXl'I.lJSIONS
See Ill'pllmhle CIIIl'C' III I.II~~ Fur III 'IS ShllW1l11l
II,e DcdullllllIlI',
C. I.IMI'I1i (W INSURANCE
The 11111,1 wc will 1"1)' IlIr IlIss III 11 "l' IIl1e UCl'ur.
lelll'C I, Ihe nJlJllkllhle I.hllll III 11l.llIl1neC ShllWII
IlIlhc ()eduratilllls.
The IIll1it IIppllcahlc Iu Iltc l'llI'CIUI\C E~lellsllllll,
III IlllditlllllIu Ihe L111111. III IIlSIl1UIll'e.
l'IIYll1enl. IIlldcr Ihe 1IIIIIlWilll\ ^d,lillllllull'llI'cr.
"11C' will nllllllcrense Ihe nJlJlIICllhle UlI1ltlll III'
SUtllIlCC:
I, Allernlloll' IIl1d Ncw IIl1i"lilll~'; IIr
2, Civil Alllhurily,
Il. I.OSS CONIlITIONS
(51 A, IIftCIlII. lI1uy he lellsllllaltly le(lulml,
I'ctlllll U, Iu Ills/'Cl'llhe 1III'I"'lly I"UV'
1111 Ihc IIIS\ lit 'alllage 1II1lI"X:IIIlIlC
)'uur hOllh 1II1lIICI'II11ls,
AI,ullL'lIll11 I/X lolllkl' SlIII/I,It', ul ,Ialll'
""ed IIlld IlIlIhllllllge,IIIIIIIICII)' lor III'
SI'Cl'llulI, IC5IllIg IIl1d IIl1aly,I" 111111
I!CIII/II III IUll1l1kc l'l1plc, frllll/ )'Ollt
lIIuh IIl1dlel'l111I.I,
The IIIHowllll1 Cllllditlllll,~ "I'Jlly IlIlId,lilllllllulhe
l'11I1I1lI"'11'0 ry ('ulldllillll' IIl1d Ihe l'lIll1l11ctdlll
I'llll'elly CUlldlllllll',
I'agc 2 III'''
('up)lll\hl, ISO l'lIll1ll1elrlulltlsk SI'lllrcs, 11I1'" 1'1')11
('I' 1I11.~n III III II
If,) Sl'ml U\ i\ ,,-ill.IIl'II. '\\\1111 IlItllll III 10,,'
l'lllllllilllllg Ill' IIIIIIIIIIIIIillII Ill' ll'II"I',1
III 11I1'l"llgIIIC Ihl' dllllll, YIIIIIIIII'IIIII
Ihls wilhln hllllll)~ nllcl 11m 1I"IIIl',I,
Wc will ,nl'l'l)' )'IIn Ililh Ihl' m'I'l'''llI)'
rlllln"
(7) l'lllll'l'IIIII' wllh "' 1111111' iIlI'C'llgIIIIIIII
III 'CIIII'IIICIlI "I I hI' dllilll,
tAl Ir )'1111 IIIICI\II III 1'11111111111' )'Ilm hll,lnl"',
filII 11111,1 Ic,nllll' 1I11111)'lIlll1r )'Ilm
"l'clntillll'" n, IllIir~ly "' 1"1l,lhlc,
h. Wc IIII1Y CXIIIIIIIIC IIny InMlll'~ 1111I11'1 IIl1lh,
\lhlle 11111 In Ihc I"c,cm'e IIr nny IIlhcr In.
51llcd nn~ III 51IC I lillie' II' IIII1Y he lell'
xUllllhly rClluircd, IIhllUlllllY I1Il1l1cr rcllIlllIlI
lulhlx In,ullIllcc m IIIl' 1'1111111, IlIdUllillg 1111
In,urc~'x hUllks 111111 ICCII"I" III Ihe Cl'clII
uf IIn cXllllllnllllllll, 1111 111'11I cd', nn,wclS
l1Iu,1 hc xigne~,
3, I.Il11l1s On Luss l'II)l1Icnl
Wc will nnll'"Y I1Il11e rill EMIli ESI.cnsc Ihlln
Ihc pClcenlllgex ,huwII In Ihe DccllIllIIllln,
IllIIc, Ihe Lllllllur Insllrnnl'c,
Whcn Ihe "pcllmlur ICSllllllllun" i,:
II. 311 ~II)'X III Ic,.., Ihe filXll'crccnlllge np'
plics,
h. ft(l dill" III 11'1', hili nllne IllIIn .lll dny.., Ihe
xccunilpclccnlnge npplicx,
c. More Ihnn (,II ~n)', Ihc Ihlldl'crccnlllgc
npplics,
EXlllllplc: The Llmilur In,nrnncc
Is SIIIII,1I1111
Thc I'clccnlllgcs xhllwn In Ihc
Dedllrnllllll' IIle 411%.HII%.IIII1%
The "I'criu~ ur Ic,lulnllun"
15 45 dn)"
The nnll.nnlur Exlla Expcn,c,
IncuIICIII, S~II,1I1111
Wc will nul pill' IIImc Ihun SIIIIIIIIIII
111111" HII% (I he pClcenlngc nPl'llclI'
hie rill II "pcrlml ur rcslmllllun uf
.ll.hll dill'), UI SHII,IIIIII, The Ie.
IIIl1lnlnl\ SIII,IIIIIII, nul 1'11I'1'11'11.
4. Lu,s Ilclcrllllnntillll
II, Thc nl1luulllur I1xlllI Expcn,c will hc de.
IClllllnc~ hn'c~ un:
(I) ^1I1'X\"'IN" Ihllll',ccI',llhl' 11111111111
IIpClllIIIg 1"l'cn,c, lhlll IIIIlIhl hlllC
hccn IlIl'lI11cll loy "UpCIIII\III1"IIIIIIII!\
Ihc "I'CIIllllllr Ic,II'1 III lUll" II nil dirnl
I,hl'" 1'111 Ill" 1II111111111lj'e h;1I1 IIccnllc'l.
Wc w\ll ~c,lurl [rllllll II' 1o.llIluf ,uch
cxpcn,cs:
(nl The ..all'lIllc \'lIlnc Ihllllclllaill' Ilr
IIny 1Ill'/'CIIY hllllghllur ICl1lpllllllY
n,e dill nil Ihc "pclimlllr Ic,IIIIII'
lIun." CUll'C "UI1Cfllllnn," nrc IC'
xUlllcll; 1111I1
(h) ^ny ExlllI EII'clI'c Ih:ll I, )'lIld rIll
hy nlher In'Ulllncc, l'xrcpl f",III'
xurnllce 1111I11, \11 ill e II ,uhJcct In Ihe
Xllllle 1'llIn, Icnll', (1I11,II11nll5 1I11~
1'!\Ivl, III" liS Ihl, II1MIIIIIII'C; IIn~
(1) All IICCCI.'lUY cXI'cl1'c, IhallcllulC Ihe
Ilxlrll I!xpell'c ulhcm!'c Il1currc~,
h, Wc will IC~UCC Ihc IllUlIlIlIl nr )'lIl1r Ilxlrn
1!ll'cu,c h", In Ihc exlclIl 1'"11 CIIII relulIl
'UI'ClllllulI" In ""'mlllllll~ IIiSl'lllllinue
such Exlrn I!xl'CI1'C,
c. If y"u ~II IInl rc,"me 'npcrallnus\' III ~II
nlll resulllc 'UPCIIIIIIIII'" "' '1lIick Y "'
pUlSihlcl we will pill' ha,cd nlllhe lenglh
IIr lime I wnull! hlllC Inkellln le,umc
"lIpCIIIIIOl'" 0' quickly os 11I'1.,lhlc,
5. t.IISS l'u)'IIIclIl
Wc will pDY rllr IIIIY In...' wlthlll .lll duys llficr
we rccclve Ihe prollr IIr 1111'1, If:
II, VIIU hllle enml,lie~ wilh IIl1nllhe ICIIl"
IIr Ihl, Cllverllge 1'11I1; 1I11~
h, (II Wc ICllch IIglcclIIClI1 wilh y"U IIl1lhe
IImllUIII nfllls.,; nr
(2) ^"l1pprnl'lIlnwllrd hll' hcell mudc,
". J1JWINI'J'IONS
I. 'Opcrntllllls' mcnll' yuur hu,lnc..., 1Ic11vltles
IIccurrlllltIII Ihe ~CSCI Ihc~ plcml'l's,
1, 'I'erllld uf Ilcslurntlllll' IIICllll' Ihc pcrllld
IIr IllIIe Ihlll:
II, IIc(,III' wilh Ihe dllle nf dlrCI'II'hyslclIlllIl\
1lI111111lllgc l'IIU'C~ hy "'11',"11 IIg f!\lm nllY
Clllcrcd Cnu'c nf t.1I" IIllhl' dexcrlhc~
preml'l"; nlld
('I' 1111 ~III11'11
('nl'l'dghl, ISO ('nmmCldlll tll,k SI'II'Il'l", Inc" I'/'ll)
1'lIgc ~ IIr 4 []
b,' Ellds IIl1lhc dule Whl'lIlh,' I'IIIl'clly IIllhe
Ibcrihel'I'ICllllscs shllul<1 hc l('I'ulrcll, IC'
hulll III ICl'lu('('" wilh Icu"'"ahlc sl'ccd
olld sllllilal 'Iuultly,
'I'clllld IIr leMlIIOIIIIU' IIIICS ulll iududc ullY
Intlensed I'elllld le'lullcll due III Ihe cllrllrl'c'
lIlenl IIr ouy ordillance III law Ihal:
(I) Reguloles Ihe clluslluclillU, use III ICI'i1II,
III le'lulle, Ihc lelllhl!l dllWII IIr allY 1'11I1"
elly: III
(2) Rcqullcs ouy IlIsulcd or IIlhcl' III Icsl rill,
IIlUnlllll, deon ul'l IClIllll'C. l'IIUlulu, Ircal,
delllxlry III lIeUllo l7.e. III III III1Y way Ie.
51'"ld Ill, III o..,e.., I hc enccl, IIr
"ll1l1ulolIls,'
The CXl'lllIllllU dale IIllhls \'"lky willlu,1 cui
shlllllhc 'I'crlllll IIr Icsllllalllu,'
3. '1'lIl1ulallb' lIIeallS auy 5111111, "'Iulll,
!luseuus III IhcIlIlallrllloul III l'IIl1lalllluaul,
IlIcludlng'lIlllke va rill, 'lilli, rUIllCS, adds,
olkolls, chcllllcnls olld wasle, Walle lududes
IIlUlellolsl1l he Iccycled, lecllllllIlllIlIC,1 III IC'
c1l1ll1tcd,
"ngc .. IIr..
('III')lll\hl, IS(ICIII1tIlICll'llIlllIsk SCI\'kes, hlC, I'NIl
('I'IIIl,~1l1l1'11 LI
I 'IlMMElll '1,\1. 1'lllll'I'IITV
t:OMMEltt:IAL PIUWEltTY t:ONUI'I'IONS
ThI5l'\lVelllge 1'1111 II 5l1h/ed IlIlhe IlIllllwin\l rllndl'IIIlII~, Ihe CII!nll\lIn I'nlky I '1IIllIiIhllt~ nllll nl'l,lknhlc I,ll"
l'lIl1dll 11115 nlld A~dlllollll l'llllllilhll'5 n l'IlII1I1\Cle 1I11'IIlI,elly CIlVCllIge 1'1l11l\~,
A, (~(INCEAI,~lliNT, ~IISIIEI'IIESIiN'I'A'\'I(IN I", NO IIENIiI'l'I"1'O IIAll.lo:Ji
lilt I'ItAUII NIIl'elM11I \II 1II~"\'I/IIII\ln. \111'1'\ p"'n ~"U, 10111'11'11
Thl~ l'ovelnllc I'nlll~ l'~hlln nny rille Illllnml rU~llIdy III CIIVl' c' 1'1 "I'C II I' II' I ICIIC II hlll1\ 115
hI' 1'"0 nl11 lelnlef Iy I' 5l'll\'ellll\e 'nil nl Rly' nlUrnnrc.
IllI\e, 1\ 511151'1'11 d I t"ll III nny, Illhel In5111e , U. O'l'lIIi1t INStlJlANCli
nllln~ I l1Ie111llenllonll II' mnl'ellllll l1Ii"el'le!elll
II 11111 l'IllIl lIel ellneelll "1l: I. VIlU 111111' hnve IIlhel 13~w"nl'e 5l1hJer\ IlIlhc
I. Thi5 l'lIvCIlIge 1'11\1: 5nll\e I'llIn, lernl~. e3n II \,n5 nlld 1'11I1' sllIn.~
n51 ~ IIISUllln~e 1111 el 1'\ 5 Cllwlnlle 1'11\1, II
z, The Cllvelcd l'wl'ell)': t"U II, we 11'1\ pllr IlUI 5 IIIIC "I Ihe ruveled
r~ "I dlll1lll~C, I III shllle Is Ihc 111111'11I111'"
.1, VIIIII IlIlcleslln Ihe ClIl'eled l'lnl'elly: III t '1'1 the 1I1~,1 cuhle I,hlllllll 11I5111\"'~C 111/' el
115 Clive I l'f I'nll 'enl5 IlIlhe I. 11115 II n.
4, A r1l1hll undel Ihis l'1I1'elnllc 1'11I1. rUlqllcc III III IIISUIIIIll'e l'nI'erlnll"n thc SIIII\C
IilMl,
II, CON'I'ItOJ. OF l'Il()\'EIlTV
1, II Ihelc Is Illhel 11I5ulnllre ClIVClinl\ Ihf, s311\c
t,"y IIcl III IIcfilel'llIl IIl1l' 11e1WIIIIII\el IhulI )'1111 Il!.~ III dlllllllgC) IIlhel 11IIn 11111\ de""i Ie I~
,eYllnd Y"III I lel'llnn III runlllll II' 11111 nlled I. IIhlll,\, we wi ~ I'"I' Ilnl(: lur I,e 1I1110llnl II
Ihi5 In511111nee, l'IIVClel \IIM III n'r,nfe n C"'C5S III' the
UIIIII~'I dllc Irnl1ll'r III leI In~lIll1l1ec
'l'he hlellch III IIny rllndilllllllll IhI5l'llvf,lIIge t'lIll I\'lwI el 1'"11 CIIII wi crllln il "1""1, illll ~e
11111111' IIl1e III nllllr IIIC'\lln1l5 will nll~ III eel CIIV' 11' 1111111111' I1Illle l'I1IlIlhe "1'1' Irllhlc 1.111\ I III
ern 'c 11111111' IIICIIIIIII I\' I Ie, II ,e Il1Ie II III!.~ IISUlllllre,
1'1 ~lInllge, Ihe hlellrh l,f r1l1l\M1I1I lies 11111 ex.
sl. II. l'OI.IC\' 1'lilllOll, COVliltMlE 'I'Imlll'l'OItV
c. tNSIJItANCli lINIIEIl '1"'0 Oil MllIlIi Ulldel Ihis l'lIvelll\le I'arl:
CIIVliltMmS
I. We cllvcr lo!.~ UI dlllllllgc runnnclIl'IlIll:
11111'11 ur IIlUle III Ihis 1'1IIk(~ C\'~eIDfc5 "l,ply In
Il'c Milne lo!.\ YI dlll\1l1fc \ 'C 11') 1111 Sill' nlllC u. P"I\"11lhe I'olley I'Cllod ~hllwllllllhe
1'"l1lhe IIrlllll 1I1lt1l1l1l ohhe lo!.~ or 1I1\1011C, kl' 1I1111101lS; DII~
II. \,E(iAI. AC'I'ION MlAlNST LIS b, Wllhllllhc l'OI'Clllgc lerrlllllY,
Nil nllC lilliI' hlioglllellllllll'llon 1111"11"1 U5 unller 1, The l'llVClllge terrllory 15:
Ihl5l\wellllle I'm I IIl1le.-: The 1ll'IIed SIIII~5 nl Amellrll (Includlllll
Thelc hilS I'eell fllllwl\1l'lialll'c wllh 011 nf thc II.
I. 115lerr IlIlle~ 1111 tm!.~c!.~IOIl5);
lel1ll5 nl Ih 5l'ovellll\e I all: IIl1d b. 1'lIl'lIollleo: IIl1d
z, IhC Orllo\'151110113\'1 wilhlll 2 Y~'ll~ oftel thc
I IIle Oil II' ,lch Ih~ trerll'h)~lell n!.~ III l'. ('l1l1l1dll
I 1I11l1l11e oeeUllel ,
E. UIlIiIlAU7.ATUIN
II we lidoI'I ~"Y levl~llIlIlhlll wnuld hlllllllel1 ~~
ruvClollc 111\' er thi1 CnrCI~I\C 1'lIp II'lhuIIIII i.
'I,mll) rCIIlI1\lI J\illl~' 5 ''')~ I" III III or dill I'"
I'C Imler vel II \ Ihe "1"llel1clIl'"VfIO~C II'
11I11 Cl II C I' "1'1' 1'111 Ih ~ COI'CIIIIlC 'or,
('I'III1IJ11117 HH
l'ol'yrighl,lSll l'ollllllell'llll Illsk SI'IVII'l'~, llll', II)H\, 1'1H7
J'Rgo t 012 0
I.
T1tANSIo"Jo:It (W IIIWITS 1lIIIU((:IlVJo:It\'
Ac;AINST O'WEItS TO tiS
If IIIIY pCIMlII III 11I111111111\111111111 III rill Wh\'1lI WC
IjlllkC "I\YllIcnl UII~CI Ihl~ CIIVCIlIgC 1'11I1 III~
I gl'l~ II ICCIIVCr dlllllllgC~ rlll"l""lllhcr, IIII~C
I It Ila ole IloMrcrred IIIII~ IIIIIC l,xlclIlllr IIl\r
paYIlICI\I. Thalllcl~lIn IIr IIIg111111111111111llllAI 1111
CVl'I\1h 1I1111~Cd~'l'Y Il' ACl'UIC 1111I I Illl~ III\d
III liAr dlllllllllllllllllcr 11~~ 111 hjll'lllr IhcllI, 1111
1'lIU 'l'IIY WII VC y"ur IllIhl~ IIgl1 I .llIlIlllhcr J1l1lty
III \\1 111111:
I. I'rlllr 11111111,\111 y"ur l'lIvclcd 1'llIpclly III
Cllvclcd IlInllllc.
2. Ancr IIlu~\ Iu fl'll[ l'uv~rcd ''TI'\'CIIY III Cuv.
prcd IIICIIIIIC 1111 Y \' IIIUIlIC ur I ~..lllill plllly
la UIIC ur Ihc rllluw Ill!:
II. SUIlICIIIIC hL\Urcd hy Ihl~ InAlnlllll'l';
b. A !lU~IIICM nrlll:
(I) OWllcd ur cUllllullcd!ly YUllj ur
(2) TllUluWIL\ ur CII11llul~ yuu; ur
c. Yuur Icnolll.
This will hill rCAlrld yuur 11I~lIroIlCc.
1'1I~c 2 IIr 2
('UPl1lghl, IS!! ('ullllllcrdIlIIU\k SClvlccA,llIC" 1'181, 1'187
(:1' 1111111I 07 88 0
( '(IMMl'lll'I^I.I'IWI'E1lTY
CAUSES OF LOSS. SPECIAL FORM
Wlllds nlld I'hrnses Ihnlnl'l'cnr 11I'lnlllnllllnllllll~s hal'e sl'edllllllennlng, /tefcr 10 Secllllll .'.. lJe Iillil 1111\1,
A, COVElltm eA\JSES OF I.OSS
Vllknlllc ncllllll dlles 1I111111dllde Ihe
cllslllI remlll'e nsh, dusl IIr 1'IIIIIculnle
mnller Ihal dlles nlll cnllle ,Ilrecll,hys.
lenl h)~s III dnlllnge IlIlhe demlhed
1'lIIl'eIlY,
Whell Sl'edlllls shllwllllllhe lJednrlllllllls, CIIV.
,'re,1 enuses of LII~s mellns 11ISKS OF DIIlI!CT
I'IIYSIC^" LOSS IInless Ihe IlIss Is:
I, Exdllded III Secllllll II" ExduslllllS: III
2. Llllliled III Seclloll C., I.IrnIlIlIIIlIlS;
Ihlll fllIlIlW,
e. Olllenllllellllll Aclloll
Sel7ure or deslrucllllllof I'rlll'elly hy IIIder
of governlllenlnl nlllhllllly.
But we willllay flllnl1s IIf deslluclllln or.
dered hy governlllelllnl nUlhllllly nnd Inken
ntlhe time of n lire 10 I'revelll ils sl'rend, If
Ihc Iirc would bc rnvercd umb Ihls COl"
erngc /'url.
d, Nuclenr IInlnrd
II. ExnUSIONS
I. Wc will 1101 I'ny for loss IIr dalllage cnused
dlrecllyor Indlrcctly by nllY of Ihe f1l1l01l'1ng.
Such 1050\ or dnmnge Is excluded regnrdle~s
IIf nny olhcr enu.sc or eveot Ihnl cOlltrlbutes
cllllcurrclllly IIr In allY selluellce IlIlhe IIISS,
n. Onllllllllcc IIr Lnw
Nudenr renl110llor rudlllllllll, IIr rndlllncllve
cOlllnllllnatlon, however l'IIused,
Bullf loss or dnllllllle by lire feslllls, we
will PIlY for thnl resulllllg loss or dllmngc,
The ellfnrcelllentor III1Y IIIdlllllllce or hiII':
(I) /teglllnllng Ihe ClIl"lrllclllIlI, use or .e.
I'alr of nllY plOl'elly: or
(2) /tc1lulrillgthe lellrlllg dowllof nllY
r.rop,crty, IlIcllIllllllllhe coslof relllov.
nglls dehrls,
b. Eurth 1\I0lclllelll
(I) AllY enrlh mUl'elllelll (1Ilher IllIIu
slllkhlllc colllll'se). soch liS nil enrlh.
'Iunke, Inlldsllde, mille subsidence or
enrth sinking. rlsllllllll shlfllng, Bullf
loss or dnlllnlle hy nre or eXl'lll5lou re.
sulls, we will pay fur Ihlll resulllllglo~s
or dUlIlage,
(2) Volcanic elOl'llolI, eSl'loslon."
elTuslon, lIullf lus.s III ,Inlllnl\e hy lire,
bulldlllgglllss brenkllge IIIl'l1kllllle
ncllon resulls, we wllll'IIY fllr Ihlll re.
sulllngllls\ IIr dllll,age,
Vlllcnnle OI'lllIlIlIIcalls dlre"lloss IIr
dnmage reslllllll'1' hllllllhe eflll'lllIlIOf
n vulenllo when I Ie Ill,,, or dnlllalle Is
enused hy:
(II) Ahbllrlle vuknnle blnsllllnlrbllllle
shuck WIII'es;
l'. O/T.I'rcmlse5 Senlce5
The fnllme of power IIr olher ullllly service
supplied lolhe descrlbcd I'rellllses, hillY.
ever cnused, If Ihe fllllure Ol'l'llIs nwny from
Ihc demlbed Ilremlses,
Dullf Ios.s IIr dlllllngc by n CIIl'ered Cnuse
IIf LIIS\ rC511115, wc will (lny fill Ihnl resull.
lug loss or dnlllllge,
r. Wllr And MillinI)' Aelllln
(I) Wnr,llIcllldlllll ulldcdarctl IIr ell'lI wllr;
(2) Wnrllke ncllllll hy nlllllltlllY fmce, III-
c1udlng ncUllllln hlnderillll IIr defentl.
Ing ngnlllsl nn IIclnlllllr l'sl'ecled
IIllnck, hy III1Y I\lIvernlllellll Mll'erelgu
IIr III her lIulhorlly usllll\ 1II11111ry Jlcr.
slIlIlIclm olher ngellls: IIr
(.1) /lIsUnel'lllIlI, rehelllllll, rCI'IIIUIIIIII,
IIsUrlled I'"wer, m 1I1'lllIlIllIken br
IlIlVerlllllCllllllnlllhllllly III hllltler "11 IIr
ddendlllllnlllllllslllllY IIf Ih,'M',
II, Wlltcr
(b) Ash, IllIslllr 1''''lklllllll' mllllcr: lit
(I') I.lIvallmv,
All \'1I"'"l1lc crlll'lllIl1\ Ihal ""I'1It wllhlu
IIny lfiH hllur l'ell",1 \\111 "III1'11I1I1c II
slllgle IICI'IIIII''''''',
(I) 1'111",1, slIlfnl'l' Wilier, \l'1lI'!". Ildes, 1111111
wnl'Csl IIl'elllllW IIf III1Y hlldy of Willer,
or lhe r sl'rllY. 1111 whclhl'l drll'ClI by
\\'lrlll nt 11111:
m MlIllslldc III IIIl1dllllw;
('I' III ,11I11I'11
('111'\,'111\111, ISO ('III11I1I1'ldlllltlsk SI'II'Il'l',I, 111I", 11)I!I1
I'lIge IlIf (, (J
. ...:.l...~.. .
1.\1 WIIIl'l Ihal hal'~~ "I' 101111I11 ",'\Il'l III
,huin: ur
C. bl'llI,illll III ,ll'IIIII hili"'", 'll'lIl11l'il'c~,
,ll'allll'lIltlne~ III ,h'IIIIIIUlhilll'~ 11\1 Ill' ,I III
lell,ed hy l"u, IIr IIl'elnll',luudl'lllllll
cllnlllll, lIul If Ill" III ,llIlIInl\e h)' Iill' m
Clllllhu"lilln e'I'III,illllll'Mlh" Ill' \liIIIIIIY
I'm Ihnlll',uhlul\ III~' III dUUllllll', We WIll
ul~ul'lIY fill III~' III 'Inllllll\e l'llllml hy m
le,uhlnl\ rrllllllhe e'l'lu, 11I1111' gn'l'~ III
fuel Wilhlll Ihe fUlllllce uf nny file,l l'e"cI
III wllhln Ihe lIue, III I'II"ngl" thlllugh
which Ihe I\n'e~ uf l'lllllhu,lillll I'll",
r. l'unllnullu, UI lel'ellled 'el'lllllle III leukn(le
Ill' IVIIlel 111111 IICCUI, IIvel III'l'I!.lllllr 1.\
dll)~ UI IIIme,
1\, Wnlel, ulhel 1i1Iuld" I'"Wdel III IIIl1hen
llIalelllllthalleak'llI 110m; flllllll,lulllhlng,
healla~, 1111 l'llndillonlllg 01 IIlhel l"IIIIII'
lIIent excel'l file I'llllerllve ')'!ill'lI")
Call,e hy UI leMIIIIIIg flUIII flee/illll, un.
Ie,",:
(01) Wlllel ullllel Ihe IllllUlll1 'U1flll'e IlIe~'.
11111 UII, ollluwinglll 'eel'llIg tlllllllgh:
(Ill Fllulldnllllnl, \l1I1I~, 111111" III I'lIved
,ur fllce,;
(b) III"ellleul', whl'lhel I'lIl'l'd IIluul:
III
(e) lluul', Willdlll\~ '" ulh"1 "l,eulug',
lIul If Ill'" UI dlllllllge hy nle, explu,11I1I III
'l"luklel leukRge le,ull', we willl'ay fill
11111 le,uhlllgl"';5 III 1I1I1I1I11le.
2. We willulIl/HIY fill Iu,s III dlllllage cllu,ed hy
01 le,uhlllg 11111I nny of Ihe rllllllwlng:
u. Alllnclally genelllled elel'lllr eUllenl, iu.
r1udlnll eleclllc [\Ie1ul\,lhat di,lIIlhs clee.
Irlcal devices, ul'l'lInuce, III wile"
Bul If lu~, ur dalllllge hy nre re,ulls, we
wiIIl'ay fur thaI re,uhlllglu" ur dnlllnge.
b. Ilclny, lu" uf u,e ur Ill'" uf lIIalkel.
c. SlIIlIke, val'ur III !,lns fllllllullrleuhurul
'lIIudglllgur Induslllulul'elullulIs.
d. (I) Wetll lI11d lelll;
(2) Ru,I, curruslulI, fungll', decny, deler!.
uraliun, hidden ur Inlenl dcfeclul any
'Iuulily IUI'IllI,eIIY Ihlll enuses h lu
dnlllnge ur deslroy hself;
(3) SllIug:
(4) Sellllnll, clacking, ,hrlllklnll ur eXl'an.
,lUll;
(t) Yuu du yuur hesl IUllllllnluill heul III
Ihe hulldllll\ur ,llucIUle; ur
(2) Vuu dmln Ihe equil'lIIelll IIllll ,huI ulT
the SlII'I,ly If Ihe helll I, 1Il1ll11l1illlalned,
h. DIshullesl ur crlllllllnlllrl hy I'uu, llllY uf
yuur I'lIltlle", eUll'luyee', ,lIleclms, Ilu,-
tees, aUlhurlzed lel'leselllullves III IInyune
tll whlllll y"u ellllu,1 the 1'1ll1'elty rllr any
pU'l"I,e:
(II Aclillllallllle III IlIcullll,lulI \lilh IIlh-
CIS; ur
(Z) Whether ur lIut uccurrlng ,hll illg Ihe
hllll15 Ill' eml'loyment.
This exduslllll docs notllJ1l'ly 101ll'ls of
destlucllon hy your employecs; hilI thcn
by cmpluyecs Is 1101 cuvcled,
Vululllnry Il8ltlllg wilh III1Y 1''''l'elly by you
llr nllY"lle clse tll whulll y"u hllve en.
11\I51ed the l"lll'Clty If Indoced lOll" 50 hy
any frnudlllcnl ,cheme, Illrk, del'lre IIr
false I'lelen,e.
Rulli, SIlOW, Ice or sleellol'e15ollllll''''J1-
clly In Ihe ol'en,
It. Collnl'se, exceJ11 115 J1"'l'lded helow III the
Addlt ou1I1 Cuvelage fur COIIII(15e, IIlIt If
105.' or dnllluge hy II C"vered Cuus" of
L056 lesulls ut Ihe deSl'llhc,II""lIIlseA, we
wlll J1UY flllthlll leslllllllglo56 "I ,IIIUlIll\e.
(5) IllSecls, birds. ",dellls ",olhcr uulmuls;
(6) Mechnulcul blellkdowII1 illrludlllll rUf-
lure or bursllllg cIIll,ed 'y ceulrlfullu
fOlce. lIowevel, Ihls tloes lIut nl'l'ly 10
nny rcsulllll\\ h15s 01 dlllllnge cnu,ed hy
elevntor col 511111;
(7) The followlllg call,es of 10" IUller-
sonnlJ1llll'elly:
(II) 1>1I11l11lleS.5 III dlYlle's uf 11111I115-
I'hele;
I.
J.
(b) ChulIl\es III III e,llellles lIf lell1J1cr.
nlurcj or
(el MurrllllllllsCllllchlllg,
1111111' Ill" III dalllllge hy Ihe "'J1edOc,1
cuuses Ill' 10,," or hulldllllll\lu" hreukulle
lesulls, we will J1I1Y fur Ihnl lesullllllllo"
01 dUlllnlle,
I'uge 2 "fit
1'lIp~r1ghl, ISO ('lIl11l11l'1dnlltlsk Selvlrcs, Inl'" I'J'1tI
('1'111 ,III III 9\
LI
I.
(2) AllY III" 1':1'''1',1 hl' III 1l',"lli"i\ 111111I
dill'I'II,hl,it':lIIII" III 11:lIlI:lilC 1IIIIIIIill
1I111'ICl'i'!II11 :11111'1111:1'. illdlltlilli\ Ihi!
Il'IIII.lu \\hillg, 11I:,"1"1 ur I ll\\l'I!\,
I li\l'haIHl'. llbp,.I....al. M'l.'/Iagl', llIigllllitlll.
Icll'II'1' III c"':lI'" III "1'"1111:1l1h" 111111'" Ihl'
disdlillg,'t ,lblll'lsal, M'"'/lagl', lIliglUliulI,
Il'Iell'c III 1''''''1''' i, it", Inlll",,1 h)' "")' III
Ihc "'I,,'rilil'III'''"'''' 111111"," 11111 il h",
III 11"11I111\1' h)' II,,' "'I'I'I'Hkdl''''''I'' III
11I""lc,"I1,. WC will 1':1)' IlIIlhl' Ic,"llilll\
d""I1II\I' 1':lII,clll,)' Ihe "'I'I'rilklll':lII""
III III","
.1. We wllIlIlIll'''Y 111I111" 1II1\:lIIIIII\C I'lIl1Sl'd hy
IIllcsulllllll rulllllllY III Illc 111111111'1111\. 1111111
Ill" ur dlllllllge hy II ('lIl'l'led ('III1'C IIf 1.11"
Icsulls, we wllll'ay 1'111 Ihlll 11',"111"11'11'-' III
111I1II1IgC,
II. WClllhcl nlllllillllll', 1I1111hls exrlll,11I1I
IIl1ly 111'1'111'5 If IIClllhcl l'lIlIdillllllS 1'11I11I1h.
Ulc IIIIIIIY WilY Ililh II ('1111'1' ur 1'1'1'111 cx-
chlllcd 1III'II111gllll'h I. nhlll'e 1I'l'rullul'e
Ihe Ill" III d:lIll:lIlC,
h. A('ls III dceislllns, Indlldillglhc f"i1I1IC III
IIcl ur dcridc. of nllY 1'1'1"11I, gllllll', 01'
gllll1111111111 ur I\\I\'I'IIIIIICIII"I hildy,
c. l'uully,llIlIdcllualc III defcclll'l':
(I) 1'llIlIlIllIg, 111111111\, IICI'c1I1I'IIICIII. 5111-
l'eyllIg,5i1ll1g;
(2) 1>1',11\", 5I'ceilil'al"'n" wOlklll""Shll',
lel'lIll, l'lIlI,lllIl'lllIlI, lelllll'nllllll, IC-
IIIl1dellllg, gUldllll\, 1'1111I1'''1'111111;
(.1) ^"Y IlInc"'" 111111" 1'1111'1'11 hl' III Il'.
,"111111\ hlllll:
(Ill I>clllY IIIIChlllhlllll\, ICl'alrlllgllllc'
1"111'1111\ Ihc JIIIII"'IIY III 11""11I11111
"1'1'1111111"', dllc III 1IIII'IrCICIII'C III
Ihe hll'lIlll1l1 of Ihc Il'IllIlhllllg, ICl'nlr
01 le"lnl'cllIenl hy slllkcI' III olhcI
I'CISOIIS; III
th) Susl'clIsllIlI, IlIl'sC ur I'nlll'Cllllllllllllf
nlll' IIl'ellsc, IClIsc ur l'lIlIlllI('I, 11111
If Ihe 'USI'CIISIIIII, IlIl'se IIIl'lInCclIlI-
lion Is dllcclly cIIIIscd hy Ihc sus.
I'clIslolI of "1II'CllllloIIS" wc will
COVCI 5111'1,111" Ihal IIlfcl'ls YOIII
IIIISllIc" IIICUIIIC dUlIlIglhc "I'clhlll
of 11'51011111011."
(4) ^IIY \!xllu EXl'cIIse cnllscII Ity 0111'51111.
IlIll fllllll MISI'CIISIOII, l"l'se III cnncell.,-
Ilun uf lIuy hl'cllsel'clIse III CU1l1ln1'1
heyund lhe "I'crl", uf rC5IlIIlIllnn."
(5) ^uy ulher ('UIISCIIIIClllllllln",
h. '.ellschold htll'f(,.tC"'I'IIII\C ','onn
(.1) MOlerlllls IIscllllIICl'lIll, CIIIISllIIl'llulI,
IcooVllliuIIIIIICIII'lllcllol1; or
(I) I'nrllgllll'h 11.1.11. O"III1I1I1!'C m Lilli',
ducs nllllll')'ly lulnslIl.IIICC IInllel Ihls
Cuverlllle 'mill.
u. lIuslucn hll'OIllC (AIIII E~II'II EXI"'IlSl')
CnICIII"C .'nllll, IImllll'" IIll'OIllC
(Wllhllnl Exllll EXI"'un') (''''1'11I"1'
1'0111I. or Extlll EXI'CII\C Con'lIl"c
'!Otlll
(2) We WIIIIIIIII'IIY fm lIuy Ill" ('lIl1scd hy:
(n) YUill CllllcclIllIg Ihe Icn\c;
(It) The 'U"l'cllslulI, IlIl'sc III cIIIII'ellll-
Ihm of III1Y IIcellsc; m
(c) ^oy olhcr nHlScIIIIClllilllln",
I'. t.Cl\lIt 1.I11111111y C",crlll\l' 1'01'111
(I) TIIIl hllluwlllg ExdllsllIlIs IIIIIIUIIII'l'ly
tulnsurllllce IIl1ller Ihls ('lIlcmlte 'mill:
(II) I'nlllgllll'h 11,1.11" Ollllllllllce ""
t.IIWi
(4) MllllllclIlIlIl'C:
uf 1'"11 UI IIl1uf III1Y 1',ul'crlY 1111 III lilT Ihc
dcscllbcd I'IClIIlscs,
4. SllcrllIl Exrlllslnlls
The fullllwlng 1""l'i\II", 1I1'I'Iy IIlIly IlIlhc
'I'crillcd CIIl'cllIge 1'11111I',
Wc Wlllllllll'"yllll:
(I) ^"Y luss nll"cll hy III re,"1111111 hlllll:
(II) I>IIIUIIII\' III Ibllllrllllllul "11111,hcll
~Itll'k"; lit
(h) 1'lIrllllllll,h 11.1.1'0, (hlll'llllncnllll
Mllun;
(c) 1'lIln(\llIl'h 1I.l.d,. Nlldcllr IIll1nlll:
(II) I'lItllll'lIl'h 11.1.1'., 1'11I11'1 Fulhnc;
nnd
(h) The IllIIc lellnllClllu "'Inudnce
"filllshcd slul't"
This cxrill,h'n lillI'S nnl ul'l'ly lu "XliII
EXl'cllsc.
(c) l'nlul\lul'h 1I.l.f.. WIIIIIIUI MIllIIlIY
^I'tlun,
('1'111,111 \Il'II
('lIl'ltl,~hl, ISl) ('IIIIIIIII'tdllllll,k SCII'It'l'S, IlIe" 11"111
1'lIl\c 1 1I1l, (')
(2) ('III1II'11l'llluILluhlllly
Wl'lI'ill II111ddl'IUI UII)' dllllll III ',,"ii,'
I'r IHI)' lIIlUHI~l'S Ihllll'lIl1l1l~ I~gllll)' Ii.
uhl~ IIII'")', slIl"'y I,)' 1~IlMlII III )'1I11t
1I~'lIl11l'lllllllll lillhllill' III II l'IllIlIlIl'11I1
lI~r~cllleul.
(.\1 Nudellr HlIlIIrd
W~ wlllulIl dell'ullulIY dllllll ur '~ull,'
IIr \"1Y uuy dUlIIll~l", Ills" cXl'eu,e IIr
IIhl !lulllIlI, Il'Mlllllllt llllllllllldcur rl"
ul'lllIlI III rudlullllu, nr "ullual'111'C l'IIU'
IUIIIIIIUIIIIII, Illlll'evcr 1'lIu,ed,
<:. 1.IMlnl'IONS
I, Wc will 11111 I'IIY 111I III~' III III dlllllll!lC III:
II, Slelllll hllllel\, 'lellllll'll'e', ,Ielllll cllllllle~
IIr "cllllllurhllle~ l'uu,cll hy IIr re51111luIl
lrolllllllY eoudillllu III cvellll1l51dc ~udl
ellull'lIIeul. Ilulwc willl'lIY lur III", IIf or
dUllIngc 10 such elllllpllleull'IIU,ed hy ur
re,ulllll!l lrom nil cx/,lu,11I1I of gll,es or lucl
wilhln Ihc fUrlllll'C 0 nllY !ired 1'C",eI ur
wilhln Ihc nue, III 1'1Is'\lIge' Ihlllugh lI'hkh
Ihc gn,cs of l'lIl11huslluIIIHls'\,
b. 11111 wnler hllllcl~ III olher Wilier hculllIg
e,!ullllllcnl enu,cd hy nr re~ulllnll. lllllllllny
wndllloll or cvcllllu,ide ~ueh hollers ur
eqlllplllclIl, olher IIHlII 1111 cXl'lo,lolI,
e, Thc IlIlcrlor 01 IIUY hlllldlug or ~Irudurc, ur
tOl'cr~ounlpllll'erly IUlhc hlllldlug or
~Iruclurc, ellu,ed hy III re~ulllug frlllllllllu,
SIlUW, ~Ieel, lel', ~lIl1d or dll,l. whether
driven hy wind III 1101, ulllcs.s:
(I) Thc hulldlug III ~lrul'llllc lirst ,u,lulus
dlllllUgC hy n <:uvcred ('"u,c 011.0",10
lIS 11I01 lit wIlII~ Ihlllu!lh which Ihc rnlu,
~uuw, sleel.lce, 'II lid or Ilu'l clllcrs; ur
(2) Thc 111", III dUIlUlllC I, l'nuscd hy ur Ie.
sulls 1lllllllhllll'llI!l Ilf SIlIlW, ,Ieet Ilr Icc
Illlthc hulldlllg Ilr ,lIl1l'llItc,
d. Ilulldillglllnlellnls ulIIl '1I1'l'lIes IIlllul.
Indled ns 1'11I1 Ilf Ihc huilllnll or ,Irlll'llltc,
IIIdc5' held fur sulc hy )'1111, cuuscd hy ur
resulllllg 1lllllllheO, l'x.'el'lu, I'lIlvldcd lu
C.5,n, he lilli',
c. l'lul,clly IhuII, 11I1"\1111 whelc Ihc unly
cvldcnec uf Ihc 111" IIr 1llllllllllC I, n ,hllll'
ngc dl,du'ed unlu~III!lluvcnlnry. ur ulher
In,lulll'cs whele Ihelc Is UlIl'hl'~il'1I1 cvl.
deul'e 111 ,hllw whnlluII'pellcd lu Ihe
prupelly,
f, (1IIIIl'I\IIII1III"'""I",UI' l'llu"'11 hy 1I11l'-
sulllng hOIll Il'l'il\hllll 'UIIW, Ill' ur ,Iet'l,
II. 1'lIIl'elly IhuI hilS hel'u I 11111\1 l'II ell lu n
I"...un ur lIlUI,lul'1' IInlshl,' 1111' dl'mllte.1
IlIemlSl's IIl1lhc hal" IIf ul""Ulhllrll~d III'
~lrul'IIIIII\,
2. We lI'ill 11111 IIlIY III1I1C 1'11I IllS, 111111 ,1:lIlIal\e III
l\lu~, thulls !lUlI IIf II huihlillg IIr SIIIll'tUIC IhulI
$11111 fill CIIl' Iplule, 1'"l1e, lllullll,le I'lule III'
~ulllllull uIIII, tlllllaul III sill III helllllll\ Jlallel,
J1I11I1I51e. IIIuver III Shlllll't, We \\11I11111 Jlay
IIIl1te Ihllll $51111 fllr IIl1lnss IIf III Ilamllgc III
hulldlllg glllss Ihllllll'l'UIS III II Ill' III1C IIIIIC,
This 1.111I1111111111 dlles 1I11111J1l'ly 111111\\ III
dlllllUgC by Ihc '~Jledlied l'III1SCS 111111",' ex.
l'CI,1 Vlllldllll~lII,
3. Wc WlIIlIIIll'lIY fllr Ill", III ur dlllllal\e lu Ihc
fllllowlug IYJlC5 of JllIll'elly Ullle5\ l'lIu\cd hy
Ihc 'sJlcrlned enu.e5 of loss' or hulldlnllllla5\
hrcn~allc:
u. Vllluultlc Jlal'el5 ulld Iceord~, slIeh liS
hUU~5 Ill' aecuulIl, mnlluscrll'ls, IIh,lrnl1s,
drawlll!ls. cnld IlIdex 5)",lelll', 1iI1ll, In/,e,
disc, dlUIll, cell ut IIlher dllln l'IllCC~\ lilt,
lecnrdlnll or ~Iorllgc mcdill, 1111\1 olhel IC'
cOId."
b. Alllmals. nlld Iheullllly If lhey nlc ~lIled ur
Ihcll dc~lrUl'llon Is IIIndc nCl'e~\IIIY,
c.
Fln!lllc nrtlcles ~lIl'h 115 !lln~'Wllle, ~lnlunlY,
IIInlhle8, ehlllnwlllc IIl1d l'orcellllllS, If bm.
kell, This le,llkllllll dues uIII 1I1'I,Iy Ill:
It) (IInss Ihulls IIlUlllr n bulhllllg or
,lrul'I\IIe;
(2) <:ulllnlnel5 01 l,ruJlclly hehl fur salc; or
(3)
I'holugflll,hlc ur sdenlilk 11I,IIUlllclIl
ICIISCS,
d, Ilullders' IIIncblnery, 1111115 111111 cqulplllclIl
)'OU owu or Ihululc elllru~lell hI y"U, whllc
UWIIY flllllllhc I,remlses demlhed IlIlhc
I>cc1nlnllons\ cXceJlllls l'llll'hlctlln I,nrn.
grnph C,5,b, ,eluw,
4, I'or IO\llIlt dlllllnllc hy Ihen'Jhe fllllllwlllll
11'lles ur I1tOI'Clly IIn' l'IlVCle IIl1ly lIJllo IC
IlIllls ~hllwlI:
II. $2,51111 fOI fillS) fllll\lIll11ellls 1IllIll\lUlIll'lIls
II hllllled wllh 1\11,
PlIge 0\ III h
('lIl'l'rlghl, ISO ('III11I1l,'r1dllllt"~ Sm'll'l", 1111'" 1')"11
('I' 111.11111I'11
II
h. S2.~11I1 1111 jl'IIClly. wllll'hcs, Illlll'h IIWI'C'
11I1'1115. jl'wds.I'Clld" 1"1',11111511I111 SCIIII,
1'11'1'11111,' SIIIIII'S, hllllillll, !\III1I, Sill'l'I,
1,IIItilllllllllllU IIlhcr I'"'I'IIIIIS 111111)1; III
IIIcllIls, This 1111I111 III'S 11111 1I1'I'Iy III jcwclly
III1lI wIIll'hl'S wllllh $11I11 IIr Ie" I'cr 111'11I,
c. $2,~1I11 I'm 1'"111'1115, dks. 1II11111s III1lI 1'11111I5,
d. $2511 I'm SIIlIllI'S, Ilrkcls, IlIdlllllllg IlIlIcry
llekcls held fur Silk, IIl1d 11'111''' III' I'mlh,
5. lIulldcl'll' IlIsk l'1I11'1ll"1' "'"l'IlIl.hllllll-
Ihllls
WI' will 1I1111'"Y fur Ill" III IllIlIIlIgI' IlIlhc 1111.
IlIwllIl\ tYI'I's Ill' IIIIII'Clll" if IIlhl'lllill' WI'l'lcd III
Ihis 1.111'1'1111\1' I'ml, \11111'1 i11'1\l.' 2,\ ,I" 4" 5.11I111
Ii. IIl1lcs, Ihc Ill,' m dllllllll\C Is II dlll'IIII'\1I11 IIr
1111. wlIlIl'sc III' II hlllllllllg:
lIuldllllr rlldill m lclclilillll 111111'111111', IlIchlll.
IlIg Ihclr 11'1111.111 wlrillg, 11I11\15 m IIIWCIS;
IIWIIIIII\S,I\III1CIS 1111111111I11"1"1111\; )'II111 Ii..
lillI'S; IIl1ldllllr SWI1I1I1I11I1\ 1'"111\; II'III'CS; l'iCIS,
II hili I'CS IIl1d 111I1'h; hClIl'h m IlilllIl\ 1,IIIIfllllllS
IIr 1II'I'III1CIIUIII'CS; IcllIllIllIl\ I\IlII,; wlllks,
IIl1d\VII)~ 1I11lllllhl'r I'lIlcII slldll....\,
Cllllul'SC UIICS 1I111111dllllc sclIlIlIll. II 111'1<1111\,
sllIllIkngc, hullllll!! III C'I'"I1SIIIII,
This ^ddilllllllll Cllvcrllgc wlllllllllllllCIISC thc
L1l1lhs III' IIISIIIUIIl'C I'IIIIIded IlIlhl, ('llIelllgc
l'ulI.
The fulluwlllg 1'IIIIIsIIIIIS 1I1'I'Iy Ullly lulhc
lIulldcl5' nl,k CIIVCrll!!C "'"111I,
II. Lilllllllllun I.d.ls ICI'IIII'cd hy Ihe flllluw.
IlIg.
d. lIuildlllg IIllllcdllls III1lI SlIl'l'lIcs 11111111.
IlIchcd liS I'lIrlllf Ihc huilullIg ur slruc.
lure clluscd hy UIIC"llilllg frllllllheli.
h. LillllllltiuII3.d.ls rCJ,llIl'cd hy Ihe fulluw-
IlIg:
U. IIl1l1de,,' 1Il1l1'hlllcry, 1IIIIIs III1lI CII"II"
IIlclIl YUIIUWII"' Ihlllllll' clllruslcd Iu
lUll.
(,. We will lIulI'"Y Ihe (IIIlluICI'"lr III1Y IldcI'1
Iu II s)'lllelllur IIl'pllllllec 1''''11I whll'h wlllcr,
ulhcr II11Uld, I'uwder III lIlulicn IIIl1lcdlll cs-
l'III'cs, \lul we willl'"Y Ihe l'IlIIIII rCl'lIlr IIr
rCl'llIce uIIIIIlIgcd /"'IIS III' lirc c'lllIglIlshlllll
ClllIll'lIlellllf Ihe 11111I111\1':
II. ncsulls III ulsduIIl\e III' III1Y IlIhsllllll'C frlllll
111\ 111111111I11111' fire 1''''11'1'111111 syslclII; IIr
h. Ix dlrcl'lly I'III1SCII hy hl'l'/IIII\,
E. ^1l1ll'J'ION^1. COVEUhI:E EXTENSIONS
I. I'rul,crty III Trnll\li. This EXlI'I,,11I1I "l'l'lles
Ullly III y"ur I'Crsllllllll'llll'Clly III whle Ilhls
fmllllll'I,lIe"
II. YIIIIIIIIIY e.lclllllhe II1SI11I1I1I1' I"nlhled
IIY Ihl,Cnvelllge 1'llIl In II I'l'l Y n )'I""
l,erM,"ul PIUI'CIIY (lllhcllhanl'flll'clIY In
he CUll', cus I1Ily nr 1'111I1",1 III' ynlll
511Iesl'cr&nIl5) 1I11111nslt 11I1111' Ihllll tllll feci
flnllllhe dC'l'Ilbcd I"ClIIlsI's, 1''''l'elly
IIIl1sl be III m nl1l1l1111ll1r I'l'hlde ynu IIII'll,
leuse m tll'clllle whllc IICIIII'I'III'"II1I. In
Ihe cnwrllge lerril"'y,
b. Lu,s", dUlIIlIge IIII1SIIII' l'a"\l',1 by m IC-
.1111 frUIlI ul1e nf Ihc fllllnll'llII\ I'III1SC& III'
Inss,
(I) l'irf,lIghlllllll~' 1'11'111"""', Wlllllslllllll
111111, rh'lllIl'lvll <""11I11'1111", m
IUIIlIlIlIslll.
Il' ,\IlIlI'l'IIlN^I. COVEIlM;E .l'IlI."^I'SE
\Vc willl'l\Y fnr IlIsslII dl\lIlal\c I'lIl1SeU hy III re.
.lIl1ll1g 1''''111 rl.k. nf dllel'll,h)~lelllln" Invnlvll1g
wlllll'se nf II hlllllllng IIIIIIIY 1'1\11 111'11 hlllldlll(l
I'l\used tlllly hy tlnc tlr IlIme III' Ilrc fllllnwlng:
I. Thc "'I'ceilic<l nluscs III' III,," III blcllkllge tlf
hllllding glllss, 1111 tlllly lis 1I'''lIc<I 1IltlllllSllll
Ihls CIIWllIgC 1'1111;
I1l Vehldc wlllslIIlI, 111"1'1 IIr II\'ClllUn,
l'nlll.lnl1l11ellll. IIcel<kllllll cnl1ll1l'l tlf
yuur vchldc II'ltll 1I1111lhl'l \'l'hlde tlr
IIhlel't. It uncs IInllllelln)'nlll \'Chide',
WIIIIII'I wllh Ihc nHIII bl"1.
(.11 Thcn nf 1I111'II111e IoIIII'.I'II'C 11I1';Il'kllgl'
hy [lIIml elllry 11111111 "'l'lIIl'1y IIIl'kcd
hlldy III 1'111"/';11 I 1II1'nl III I Ill' \'Chldc,
There IIIl1sl Ie IhlIoII' lIIillks tlf Ihe
hlll'Cll ellIIY,
I'. till' 11I,...1 wc \l'iIl)lllY rill III'" III dllllllll\e
IIl1der Ihl. E'Il'II,llIlIls $1111111,
2. III<ldCII <lcmy;
.1. IlIddell IlIsel'l tlr lerllllll UlIlIIlIgc;
.\. Welghl tlf )lenl'le IIII'WIIIIIIII'IIII'I'lly;
5. Welglrl III' rill II 1IIIIII'nlll'I'Is till II rlll1f;
(" Use tlf defcl'llle 1II111Crilll IIr IIIclh",ls 1111'11I1'
slIlIl'llllll, rellll1llclIlIl\ 11I11'111\\'1111111111' Ihc wi.
11I1"c 11I'e1l1S <llIIllIg 1,1' wiltse III' lhc
1'1I11,III1III11n, lelllll<lcllng IIr lI'nll\'l11 I 1111,
This ('uICIlIge E.lcIISIIIII Is IIlldillllllllllll\lIr-
nlll'e, Thc ^,ldllh"lal ('lIll1lilllln, l'IIll1sullIlIl'e,
dl1es 1I11ll1l'1'ly \lllhe EIll'lIsjllll,
('1'111,\1111I')1
('''I'rlll\hl, IS() ('''IIlIlIl'ldallllsk Sl'lvill'S, 111",. 1'1'111
1'111',1' ~ IIr II 11
2. Wnlcr 1l1l1ll1l1t1', Olhcr t.ltl"ld,. 1'III11h'I'
IIrMllIlCIIMlIll'I'IIIIIlIIIIIIl/t'"111"','"1
dalllagc cIIII,e,1 hy IIIle,"llln,\ hlllll"lIvele,1
IWllcr IIr IIlhcr IIIIU1d. IIIl\l'Ih'r III 1III1IICIIIIIII-
lerlnl dUlIIlIge hl~1 111'1'11I1. lIe willnl'"I"IY Ihe
rIl,lllIleur IInlnnd ICpllll'e nllY pIIIIII[ Ihe
hulldilllllll hlrUI1Ule In repllir IIIInlllge Inlhc
'l"lclIIllInppllnlll'c frlllll Ilhkh Ille Wilier III
IIlher suh,llInce e.enpe"
b. Sinkillllllll'llllnl"" "I lallll111111 III II IHnllllL.
IIml"IIl"llln,I\';Ivith'"
2. l'ulllnllllhJerl! dill" 111111111'111,1,' [I'"~ "1,11111I-
nllu tu:
II. l'cI'"l1ulplllperly lnlhc "pcn; In
b. Thu inlcliur uf u hulldlnn III ,IIIIIIIIIC, III
111lI/lclty lu,l<lc n hlllldlnll ur ,IJ nrlUlc, un,
cl\.lJhe IlInf ur un uul,ldc Willi uf Ihu
bllll Ing ur slmil11c Is nl,1 dlunnllcd hy II
fulllnll uhJec!.
3. Wnler dnmagc IIIUlln! ucrldcnlnl,lIsdlllrllu or
Icnkngc uf Wulcr ur sic 11111 II! thu dlrcrl result
of the brcuklng IlIl'Iucklull uf uuy 111111 uf n
s)lilem ur ol'pllnncu cunlulnlng Wlllcr ur
SICRII1.
.'. IlIWINI'I'IONS
'Spedlied CUU5es uf 1."~I. lIIellUS Ihc fnlluwlng:
I'lrcj IIghlulng; exphlllulI; wlndslllllllllr hull;
'1III1ke; nltcrnO ur vchlrlcs; rlul ur civil
cununullun; vundllll'lII; lenknlle frum lire cxtln.
gulshlng ellulpmenl; ,Inkhulc cullnpse; I'lllrnnle
nellun; filling ubJerts; wclllhl uf ,null'. kc ur
,Ieel; waler dumnge,
J. Slnkhulc collapse lIIenlll Ihc ,udden ,Inklnll
ur colln(lSe of Innd Inlu underground emply
'I,uces qeoled by Ihe nl1lou of wnler on
IlIIeslone or dolumlle. This cause uf 10\1 docs
uollnrlude:
u, The co. II uf mllng slukhnles; III
1':W",,,fh
('up)1lllhl, 1M) ('''lIIl11erlrlllIIUsk '" III..., III, '. I Nil
11'1,1
,'1'1
lIMA pnOPEHTV OPTIMIZlm ENUOIISEMENT
Thll endur5ementmodiliel 0011 enhan(c5lhe fulluwlng:
IlUILIlINU AND I'ERSONAL l'IUII'lmn' COV.:RAlm mllllt, Ct'lIlIlO
CAUSE OF LOS.~ . SI'ECIAI, FORM, CI' 11130
IlUSINESS INCOME, CP 0030 OR CI' 0031
'l1,c Ilulldlng ond I'cllunnll'rullcrty COI'cruge !lurm, CI' ooto Is modlned UI fullulI'Il
V ARIlI'ROI'ER1'V
Covered l'ropcrty, o. lIulldlng
Porogroph (b) II changed torcad:
(b) Malerlal!, equlpmcnt, suppllcl ond temporary slruetores, on or wllhln 1000 feel oflhe destrlbed premises, used for
making additlolJ.~, alterallol1l or repairs to Ihe building or strueture.
Cuvered l'ropcrty, b. Your IIwlncn I'ellolloll'roperty
The number of feet In the 11111 pllagrol,h II expanded 10 read: 1000 IllIlead of 100.
AIRIlORNE OR WATERBORNE I'ROI'ERTV
l'ropcrty Nol Conred
I'orograph I. 1.1 changed 10 read:
Personal prol'erty while alrburne or waterborne Clcepl when on an alrtran owned by you or while waterborne and
in regular ferry operallul1IllIlhe CoUlse of being moved by oIher mealll of Iralllportallon, and then 10 Include Oeneral
Average and Salvage charges for which )'Ou may become liable.
FIRE DEPARTIltENTSERVtCE CIIARnE
AddlUonat Coveragcs, c. Fire Ilcpartmenl Service Cballle
The amounl we wlllllOY up tulslncrealed to $S,llOO Il1Itead IIf $\,0110.
t'OLLUTlllN CI.EAN UI'
AddUlllllal Con'rugel, d.I'ulluUon Clellll Up IIl1d Removal
The mosl we will pay Is Increased 10 $2S,IIINl IllIlead of $10,1100.
NEWLY ACQUIREIl C()VI~RAllI,
Coveroge ExlensllJlu, u. Newly Acclulred or COlUlrutled l'roperty
This coverage extCIJ.\11I1I It changed to read:
II. Newly Acclalred IIr ('uulrucll'd l'IUpl,rty
1'1'1' 0001(41)2
I'oge IlIf (,
" ,
The IIIllStlhut \l'e \l'iIIpuy 11II11I~' III dllllluge uuder Ihls eslclLlllIuls $1lI,()()(), bUluul nllne Ihau $2~() lur auy une
luol. ^ 1001 Is denncd 115 RI'llllnhle hLllrUIIICUl, ~uch 05 II hRunncr, \\Tcuch, or powcr sow, u,led lupcllorllllng on
ol,eralloullr ncce5.lRry In Ihc I'racllce ul II vucllllon Ilr I'roles.llon wllh a rcplllcemenl coslol Ie&., limn $JO,{)()().
I;X'I'ItA I;XI'I;NSE
Eslrlll';spcllsC
This covelngo ellelLlllln 15 IIddcd liS 10Ilu\\1i:
YIlU may eslend Ihe Insurance l'IUvlded hy Ihls Cuverage I'ormlo apply 10:
The actual and nece&.lory eslra expense you Incur dnrlnglhe 'perlod 01 restorallon' due 10 direct ph)'llelllou or damage
10 properly atlhe delcrlbed prellllsell, Including personal property In Ibe open (or In a vehicle) wilhln 1000 reel of Ihe
described prellllses.
The most we will pay lur ellru expense In anyone occurrence under this Ellenslon Is $S,()()O.
Insurance under Ihls Ellenslon appliesllnly II loss ur damage to Ibe properlY described above Is ClIused by or relults
from a Cuvered Cause III Loss.
You musl resume all or I'arllll yuur uperalluns as quickly as possible. If you 101110 do so, we will reduce the amount
of your ellra expense loss Illlho exlent yuu con relurn 'operations' 10 Ill_ mal and dlseonllnue such extra expense.
No Deductible applies lu Ibis Ellenslon,
This coverage applies in addillon 10 policy IImils.
Dennillons used In Ihls coverage extension ore:
t. 'OpcmUons' meall5 your buslne.., activities occurrlng at the described premises.
Z. 'Period of ltellomUon' meaM tbe period 01 time Ihlt:
P. Begins with the dale 01 direct pb)'leolloss or damage caUled by ur resulting from any Cuvered Causc
01 Loss atlhe dc~crlbed Inemlsesj and
b. Ends on the date wben tbe property atlbe described premlsca should be repalrec1, rebuilt or replaccd
with reasonable speed and similar quality.
'Period 01 restoratlun' docs nUlloclude any Increased period reqllred due 10 the enforcement 01 any
ordinance ur low Ihal:
(I) Regulalestho construcllun, uso ur repair, Ilr requires Ihe partial Ul complete tearing down
01 aay prul,erlYi or
(2) Requires any Insured or IllhClltllte~t lor, monitor, clean UI', remove, cuntaln, Ire at, detoxify or neutrallw, or
In anyway respond 10, ur asse&.l Ihe e/Tects of 'pollut8nts'.
The explratlun dole ul this I,ollcy will nol cut ~horltho 'I,erlod uf re~loratlon'.
The loll owing excluslon.1 apply 10 this coverage e_.lion:
1. Any In(feaso or 10M caused by or re6ultlng frum:
1'1'1' lllllltll4 92
rage 3 off)
f~l't;'1
II. OelllY IlIrehulldhJH, rellllirillH IIr replllclllg the properly IIr rehumlllH '1I1'ellllillll~" due 1IIIIIIerference nl
the IlIcnllllnllf the rehulldlllg. repair urrepllleemenl hy hlrlken urlllher perwn~; IIr
b. Su.'I'elt,IIIII.llIphe III <'lIl1celllllillnllf IIny license, lell5e IIr tlllllrllcl. lIutlf Ihe 5uhpen~llIn, IIIp5e ur cancellatlulI
15 directly cllu.,ed hy the hU~i'enslllnof 'operalll1lt\' we will cover h~ch lu~\ lhatlllfel15 yourllu51nellS Incume
durlugthe 'perlud IIf rcstlllllllllll.'
Z. Any Extra I!xpellSe cllu.,ed hy or resulting from su.'pell5lon, IIIp5e or cnllcellellun of nny lIeel\5e, leuse or eonlract
heyond lhe 'perlud of leMurallulI.'
J. Any olher eUltleIIUelllllllluS.l.
I'XI'ANllEl> OUTIlOOR COVt(IIAGI'
Outdoor l'roperty
The mosl we will pay paragraph 15 replaced as follOlIl:
The most we will puy for loss or dumuge underlhls I!xtenslon Is $5,000, butlll~ more Ihan $500 fur any une Iree, shrub or
plant.
OUTIlOOR SIGNS
L1ml15 of huuruncc
The most we willl'ay for lullS or dumage tu uutdoor Ilgns uUached to buildings 15 changed to $2,500 Instead of $1,000 per
Ilgn In anyone uccurrence.
I'R()(W OR LOSS I'RHI'ARATION COVHRMm
LIISS Condlllolls
The fulluwing 15 udded lu 4. LullS I'ayments:
g. We will also puy up 10 $2,SO{) for your cml of conducting an Invenlory, your fee to an appraisal firm, und cost of pre-
J'urlng a proof of loss for a loss covered by Ihls polley, bUI we will nol pay for Ihe servlccs of a public adjuster.
Thl5 coverage ul'plles In uddltlun 10 polley Ihlllls,
IlISI'U1EU LOSS WI1'1I OOILHR ANIl MACIIINHRV tNSURHR
In the evenlllf a dlspuled luss helween us and your lIuller and Machinery Insurer,the filII owing loss ndJustmenl agreement
upplles;
If Ihere 15 damage 10 or deslluetlonof properly, al a location covered In Ihls polley and also covered In a 1I0ller Insurance
pollcy(les) and Ihere Is dlsagreemenl bel ween the Insurers regarding:
(t) Whelher lhe damage or deMructlun WUI cuused l1y a loss Insured by Ihe I'ropelly Section IIf Ihls /,ollcy or by a
cause IIf los., l1y Ihe lIuller Ittlurance pullcy(les), ur
(Z) The exlenlof pnlllell'allllllllf Ihls 11Illicy and of Ihe lIuller Il1Iurnnce plllley(les) In a 10M which Is htlured, partially or
wholly, l1y clther 11Il1lcy.
We will u/,"n your Wllllen lellue~l, fllY 10 you IIne-hulf oflhe amount o[ Ihlllo55 whkh Is In dlsagreemenl, but In no
1'1'1'1111111114'1}.
l'nHe 4 IIf (,
"",;,;",;r
cvcnllllurc 11.;11\ wc wlluld hnvc II/lid If therc hnd heen nil Illlller Irl\UranCC pollcy(lc~) In effccl, ~uhJcl1lu Ihe
flllluwlnll cundilhlll\:
(a) Thc alllllunt IIf lhc 111M which l~ In di~nllrcelllcnl, nficr IIInklngl'rnvl~lllIl\ fur any undlsputcd dnlllls IlDyahle under
lhe pulldcs and afier thc ahlnunt IIf the luss Is agrecd UllUn by lhc hl\urcd und the hl\Urcrs, Isllhllled 10 lhe
IIIlnllllUIll alllounl rClllnlnlngpaynhlc undcr clther lhc Illlllcr nnd Mnchlncry ur COllllllcfclnll'acknlle IlUllcy(les),
(b) The Iluller Insurcr(s) 6hnll silllultnneously IIOY lu lhc IIl\ured onc.half uf sold alllouot which 15 In disogrcnllncnl,
(e) The pOYlllcnts hy Ihc Insurers hefeunder and acceplance of Ihe SOIllC by the Insured signify the agreemenl uf lhe
Insurers 10 submit lu and I)fOcced with arbilratlun within 911 do)\! of such Iloynlenls,
The arbltralors will be lhrec In nUlllber, ene will hc appulnted by the Iluller Insurer and one will be Bppulnled by
us and B lhlrd appulnted hy COIl\ent of the other lwo. The decision by the arbllrators will be binding on lhe In.
surers and lhnt Judgcmcnl upon lhc nward IIIBY bc entered In any courlof cOlllpelenlJurlsdlctlun,
(d) You agrce 10 coollcrale In cunnectloo with Ibe arbitral ion bul nullo Intervene lhereln,
(e) The provisions of Ihls endurselllcnt will nul apply unless the olher pullcy(les) Issued by the Iluller Insurance
company(les) Is slmllsrly endursed, and
(I) Aceep1ance by yuu of alllounlspald 81 a resull of Ihls clause Including on arbitral Ion award, will not operate to
alter, wolve, surrender, or In any way affect yuur rlghta against any of the Insurers.
COINSURANCE EXCEYllON
Colnsul1lnee
Parallraph c. Is added:
c. Coinsurance docs nOllPllly to:
Property where Ihe 10\01 covered eomblned building and business penon. I property loss or damage II $10,000
or less.
AUTOMATIC tNCREASE IN IlUILUlNG LlMI1'S
Innatlon Guard
The fell owing Is added:
c. The Limit of Insurance for buildings will Increase up 10 8% anoually based on lha update multipliers pubilshed
by Marshall Bnd Swlfi In lhelr 'Valuallon Quarterl)" Illhe building limits In this polley have Increased over lhe
previous policy by 01 leaslIhe annualpereentBge Increase Indicated by the update multlpllen elTectlve Ilxty da)\!
Ilrlor 10 the effecllve dole of Ihls policy.
This paragraph c. docs nol npply IIlhe Innallon Ouard option 15 ehosen oalhe I'ruperty Declarations. The per.
cenlage Indicated by lhe updale multipliers will be adjusted pro.rata depending on the date of loss, boalcally as
~hown In b. above.
EXI'ANUEIl GLASS COVtmAGE
11Ie Couse or Loss Spcclnl.'orn~ el' tOJO, If attached lolhls polley Is modified as folio",:
Llmttatloo
1'1'FIK11l11l492
I'age S of 6
1'lIrogrol,h 21111111cllllcd III glvc 11I1110 gllll'! nJl'crllgc ilK filII. ,.:
Z. Wo will 1I0t (IllY II1111C fllr III!>.! IIf or dlllllOIlO loglu!i.! lhllt Is (1011 of 0 hulldlnll or slrudure Ihon S\l1O for coch (11010,
1'0110, multl(llo (111110 h~!ullullnll uIIII, rodlolllor filllor bcotlnlll'onol,lollluslo, luuver or shullor. We will nol poy
lIIoro tboll $I,OlNI for olllll!i.! of dlllllOIlO to hulldlllllllloM Ihal occws 01 any ono limo, nor more Ihan S5,OOO for
hulldllllllllu!i.!ln allY 11110 YCllr, This Limitation doos nolllPI,ly 10 Iou or dlllllllgo hy Ihe 'sl,oclfied cousos of loss'.
IIUSINESS INCOME EXlllNUlm
1110 1IU1lncu IlIcome Cllffrnlle .'onn, ct' OOJO or CP OOJZ,lf 1I110chod 10 Ihls policy Is modlfiod os folloMI
Exlended lIuslneu Incollle
(Z) (b) Is changod 10 road:
(b) 60 flIll1ocutlvo days oner Ihe dalo delermlned in (1) abOl'O,
\
PPP OlIO t 04 92
COMMEItCIALGENEltAL LIAUlLlTY
DECLAltATIONS
PENNSYLVANIA MANUFACTURERS' ASSOCIATION INSURANCE COMPANY
POUCVN~ 829400-87-38-47-8
NAMED INSURED
r
TAM SYSTEMS, INC.
1248 SOUTH MOUNTAIN ROAD
DILLBBURO, PA 17019
PRODUCER'8 NAME
I
-II
L
-.JL
-.J
IN RETURN fOR THE PAYMENT Of THE PREMIUM, AND SUBJECT TO All THE TERMS Of THI8 POUCY. WE AGREE WlTtt yOU TO
PROVIDE THE INSURANCE AD STATED IN THIS POUCY.
COVERAGES:
00 OCCURRENCE
DOWNERS ANO CONTRACTORS PROTECTIVE
o RAILROAD PROTEOTlVE
LIMITS OF INSURANCE
GENERAL AGGREGATE (Other Than Producta-Completed Operallona)
PRODUCTS AND COMPLETED OPERATIONS AGGREGATE
PERSONAL AND ADVERTISING INJURY LIMIT
EACH OCCURRENCE LIMIT
FIRE DAMAGE LIMIT (Any Ono Flro)
,MEDICAL EXPENSE LIMIT (Any Ono Peraon)
$
$
$
$
$
$
3,000,000
1,000,000
1,000,000
1,000,000
50,000
5 000
DEDUCTlBlES:
0 BODILY INJURY S
0 PROPERTY DAMAGE S 0 PER CLAIM
0 COMBINED HI & PO S 0 PER OCCURRENCE
THIS POLICY CONTAINS AGGREGATE LIMITS; REFER TO SECTION III. LIMITS OF INSURANCE FOR DETAILS,
COVERAGE PARTS ANO ENOORSEMENT8 TO THIB POUCYI
SEE ENDORSEMENT SCHEDULE
CPD16 (0390)
COMMmlCIAL GENERAL L1AIULlTY COVEllAGE PAlrl'
SCHEDULE
PENNSYLVANIA MANUFACTURERS' ASSOCIATION INSURANCE COMPANY
POUCYNO. 829400-87-38-47-8
SCIIEUULE or lI~unus
nA1El m:",1UIl
1'11['" UASllrlCATION a"ss f'flEUIUM
NO, CO!>! 11A~. TEnn. 1'IlE"'/O" mooucll pl1["'/O" PnOOUCll
-
0011001 CONfMcTOU - SUBCONTRACTED IIORK _ IH IIln TOTAL con
CONNECTION WIT" CONSTRUCT TON, IIER 1000 PA
RECONSTRUCTION, REPAIR OR ERECTIDN OF I 110,000 011 . .451 I . III I III I III
BUILDINGS - HOC
0011001 PREFABRICATED IUILDING ERECTION 11101 PAYIlOLL
ilEA 1000 FA
I 150,000 011 I 11.777 I I.U7 I U,075 I 5....
~(--- ).012lvl'" 1-,
EHlLOIEE IENEFITS 44444 I 110
I~ ~ ( e'~'
y'
HINIHUH POLTCY WRITING PREHIUH 1100 r-....c\,-:..,,'"
PREHVors HINIHUH ~IUH 1253
PRODUCTS HINTHUH ~IUH UII
.
"
TOT~L pnEHlses pneHIUH . 11,110
TOT~L PRODUCTS PRSHIUH I S,III
TOT~L ADVANce PhEHIUH . 11,001
!,)
...
CPO-IS IDJ9G)
COMMEltCIAL OENEltAL L1AUlLITY COVEltAGE I'OltM
Vurlo\l5I'lUVisIUI\.I In this policy restricl eoveruge.
!teud Ihe eut\re policy cnrefully 10 determine rlghls,
dUlles and whalls and Is nol covered.
Throughootlhb policy Ihe Word.1 'you' and 'your'
refer 10 Ihe Named huured shuwn In Ihe Declara.
IloI\.lo and any oIher pel50n orlllgunl7.allon qualify.
Ing os a Named IMored under Ihlsl,oliey. The words
'we,' 'lLl' and 'our' refer 10 Ihe company providing
Ihls \ruuronce.
The word 'IMured' means any l'erson or urgan17.a.
lion qualifying us such under WHO IS AN INSURUD
(SUCI'ION II).
Olher words and phrll5eslhal appear In quolallon
marks have speciat meaning. ReIer 10 DUFINITIONS
(SECTION V).
SECTION I . COVERAGES
COVEIlAGE A. DOOlLY INJURY ANn I'ROI"
Elll'V UAMAGE L1AlIlLll'V
I. huurlng Agreement.
n. We will pny Ihose SUI115 thallhe Insured be-
comes legnlly obligated 10 pay as damages
bcca\l5e of 'bodily Injury" or 'property dam-
age'lo which Ihlslnsorance applies. We will
have Iho right and duty 10 defend any 'suh'
seeking Ih060 damages. We may al our dis.
crellon Invcallgate any 'occurrence' and seUlo
any claim or 'sull' Ibal may resull. Dut:
(1) The amount we wilillDY for damages Is
limited 115 described In LIMITS OF IN-
SURANCE (SUl.'TION 1I1)i and
(Z) Our rlghl and doly to delend end when
we have used up Ihe applicable limit of
IlISurancc In Ihe paymenl of Judgmenls or
seUlemenls under Covernges A or D or
medlcnt expenses under Coverage C.
No oIher obligation or liablllty 10 pny sunu or
perform acts or services Is covered unleM ex.
plicltly provided for under SUI'PLEMUNTARY
I'A YMUNTS - COVURAOES A AND D,
b. This IlISurance nl'plies 10 'bodily InJur)" nnd
'plUperty damage' only II:
(1) The 'bodily Injury' or 'property damage'
Is cnused by an 'occorrence'tlmt takes
place In the 'covernge tcrrhury,' and
(2) The 'bodily InJur)" or 'properlY damage'
occurs durluglhe I,olicy period.
c. Dnmages becalLle 01 'hodily Injury' Include
damages claimed by nny penon or organI7.8-
lion IlIr care, IIY.>.I 01 services or death resulting
01 any lime from Ihe 'bodily Injury.'
Z. Exclusions.
This IIISUlance docs not appty to:
a. 'Dodily InJory' or 'property damago' expected
or Intended from Ihe staadpolnt of Ihe In.
sured. This exclusion does nol npply to 'bod.
lIy laJury' resulting from Ihe use of rell50nable
force to prolect pel50ns or property.
b. 'Dodily Injury" or 'property damage' for
which Iho IlISured Is obllgaled 10 pay damages
by reason of Ihe lWumpllon of liabllllY In a
coatract or agreement. This exclusion docs
nol apply 10 lIabllilY for damages:
(1) AMumed In a contract or agreement Ihat
Is an '1IISured conlrael,' provided Ihe
'bodily InJur)" or 'property damage' oc-
curs subsequent to Ihe execullon of the
contrael or ngreement; or
(Z) Thallhe IIISUled would haVllln Ihe ab-
sence of the contract or agreement.
Co 'Dodily Injury' or 'property damage' for
which nny IlISured may bo held liable by rea-
son 01:
(1) Causing or contributing to the Inloxlcallon
of any person,
(1) The furnishing of alcoholic beverages to a
persun underlbe legal drinking age or un.
der the InIluence of nlcohol; or
(3) Any slalute, ordlnauce or regulallon rei at.
Ing 10 Ihe sale, gin, dlslribotlon or use of
alcoholic beverages.
This exclusion applies only II you arc In Ihe
buslnes.1 of manulaelurlng. dlslrlbutlng. se\l.
lng, serving or furnishing alcoholic beverages.
CO UlIlIt II 88
Cllllyrlght, hl,urnnce Services Office,lne, 1982, t98R
Poge 1 0112
o
I' !'I"1
COMMI!RCIAL OI!NI!RAL LlABII.ITY
COVI!RA(l1! I'ORM
d. Any obligation of lhe InsureJ unJer a workm'
coml'ensallon, Jisablllly benefils or unem-
Illoyment compensallon Inw or noy similar
law.
c. 'Bodily InJurY' to:
(t) An employee of Ihe Insured nrlslng oul of
anJ In Ihe coune of employmenl by Ihe
Insuredj or
(1) The spouse, child, pnrenl, brother ur sisler
of thai employee as a consequence of (I)
above.
This exchl.\lon applies:
(I) Whelher Ihe Insured may be liable as an
emptoyer or In any other capacilY; anJ
(1) To any obligation 10 share damages wllh
or repay someone else who musl pay
damages because of Ihe injury.
This exclusion does not apply 10 liability ns.
sumeJ by lhe insureJ under an "InsureJ con.
Iract.'
(d) At or from any 11Iemlses, slle or Incallon
on which any InsoreJ or any conlrac.
Ion or subcontractors working Jlrectly
or Indirectly on any ht,ored's behalf are
Ilerformlng operation.,:
(II if lhe pollulanla are brought on or
to the premises, site or locntlon In
connectlea with such olleratlnns by
soch Insured. conlrnctor or subcon.
Iractor; or
(II) if lhe operations arc 10 tesl for,
moaltor, clean up, remove, contain,
treat, detoxify or neutralize, or in any
way reapoad 10, or aaseM lhe e([eda
of pollutanla.
Subparagraphs (a) and (d)(I) do nol apply
10 'bodily Injury" or 'preperty damoge'
arising oul of heal, smoke or fumes from 0
hostile fire.
As used In this exclusion, n hostile lire
means one which becomes uncontrollable
or breaks oul from where II was Inlended
10 be.
(1) Any loss, cosl or expense nrisiag oul of
any:
(a) Request, demand or order that any In.
sured or others lesl for, monitor, clean
up, remove, conlaln, trenl, detoxify or
neutrall7.e, or in any way respond 10, or
asselS Ihe e([eda of poliulanlai or
(b) Claim or suit by or on behalf of a gov-
ernmentat authorlly for damages be-
cause of lestlng for, monitoring,
cleaning up, removing. containing,
trenllng, detoidfylng or neutrnllzlng, or
in any way responJing 10, or assessing
the elTeda of poliutants,
I'oliulanla meatlS nny sulld, liquid, goseous or
Ihermal irrltnnt or conlamlnant, Including
smuke, vapor, soot, fumes, acld.'!, nlkalls,
chemicals and waste. Waste includes materi-
als 10 be recycled, recondltiuned ur reclaimed.
I
,
r. (I) "Dodlly Injury" or 'I'roperly domage" nrls.
Ing out uf the nctun', alleged or threntened
discharge, dispersal, seel'age, migration,
release ur escape of Ilollulanla:
(0) Al ur frum any tlremlses, site ur loention
which is or was nt any time owned or
occupied by, ur renled ur loaned 10, any
Insuredj ,
(b) AI or from ony premises, slle or localion
which Is or was al any time used by or
for any insured or olhm for Ihe handl-
Ing, sloroge, disposal, processing or
treatment of waslei
(e) Which are or were nl any lime trans.
purted, haadled, stored, Ireoled, dls.
posed of, or processed B5 wasle by ur
fur any Insured ur any person ur or.
ganl7.atlon for wham you may be legally
responsible; or
II. . Bodily inJurY' ur "properly damagc' orlslnll
uul of the ownership, lI1olntcnonce, use ur
cntruslmcnt 10 olhers uf any alraan. "oulo'
or watercrnn owncd or ul'crnted by nr renled
or tooned lonny ht,urcd, Use Includes opera.
lion ond 'Iondlng or unlnodlng,"
I'nge 2 nr 12
Cnl'yrlghl, In!UIIIIICe Scrvlce~ Ufficc, 1111'" l'iH2, I~HH
('0 00 tlI 11 KK 0
COMMlmC'AI. OENEllAL L1ADlLITY
COVllIlAOE FORM
This exclu.\lon docl 001 npply 10:
(I) A watemun while ushore onl'rellllsel you
own or rcnli
(1) A wnleman you do nol own tlmlls:
(0) Less Ihan 26 Ceellong: and
(b) Nel being U.led to cnrry "enom or
prnperly Cor 0 charge:
(J) Parking on 'aulo' on, or on lhe ways next
10, premises you own or renl, provided Ihe
'aulo'ls nel owned by or rented or loaned
10 you or Ihe Imured:
(4) Liability assumed under any 'imured con.
lract' Cor the ownership, malnlenance or
U.le or alraan or wateraani or
(5) 'Dodlly injurY' or 'properly dnmage' oris.
Ing oUI oC Ihe operation oC any oC Ihe
equipment listed In paragraph C.(2) or C,(3)
oC Ihe delinlllon DC 'mobile equlpmenl'
(Section V.B.).
IL 'Dodily Injur)" or 'properly damage' arising
oul DC:
(I) The Iramportatlon DC 'mobile equipment'
by an 'aulD' owned or operaled by or
rented or loaned 10 or y Insured; or
(1) The U.le oC'moblle equlpmenl' lu, or while
lu practice ur preparullon Cor, a prearranged
racing, speed or demolition coni cst or In
any stunllng activity.
I. 'Dodily Injury' or 'property damage' due to
war, whelher or not declared, or any act or
condition incldenlto war. War inclodes civil
war,lmurrection, rebellion or revolotlon. This
exclU.llon applies only 10 lIabilily al.~omed
under a eonlract or agreement.
J. 'Property damage' 10:
(I) Property you own, renl, or occupy:
(1) Premlscs you sell, give away or abaudon,
IC Ihe 'I'roperty damage' urlses out or auy
porI oC th06e premises:
(3) I'roperly loaned to you:
(4) Personal properly In Ihe cure, cU.ltody or
conlrol oC the Imured:
(5) Thalllarllculur part or reall'lUllerly on
which you nr nny conlrnl10rs or subcon.
Iractors working directly or indirectly on
your behnlr arc perCormlng operallons, IC
tho 'property damage' arllel oul or Ihose
operations; or
(6) ThaI parllcular I,art oC any property that
mU.lt be restored, repaired or replaced be.
cause 'your work' was incorrectly per.
Cormed on It.
I'aragrallh (2) er Ihls exclusion docs nel apply
IC Ihe premises arc 'your work' and were
never occupied, rented or held Cor renlal by
you.
Paragraphs (3), (4), (5) and (6) DC this ex.
c1uslon do not apply 10 liability assumed un.
der a sldelrack agreemenl.
I'aragral,h (6) oC Ihls exclU.llon docs not apply
10 'property damage' included In Ihe
'products.eompleted ope rot 10m ha7.nrd.'
II. 'Property damage' to 'your product' arising
out oC It or ant port oC It.
I. 'Properly damago' 10 'your work' arlslag out
oC It or any pori oC It and included In Ihe
'products.completed operatlom ba7.nrd.'
Tbls exclU.llon does nol apply If Ihe damaged
work or Ihe work out oC which Ihe damage
arises was perCormed on your bebalC by 0
subcontractor.
hi. 'Properly damage' to 'lrupalred propertt or
property thaI has not been physically Injured,
arising oul oC:
(I) ^ derect, deliclency, inadequacy or daa .
geroU.l eoadltlon In 'your product' or
'your work:' or
(1) A delay or Callure by you or anyone acting
on yuur behalC 10 perCorm a eonlract or
agreelllentln accordance wllh Itslerl115.
This exclusion docs nel apply to the lol.~ oC
use oC other Ilroperly arising out oC sudden
and accldentall,hyslcallnjury 10 'your prod.
uct' or 'your work' aner It bas been put to Its
Intended U.le.
II. Damages claimed Cor any 101.\ cosl or expeme
Incurred by you or olhers Cor Ihe loss oC use
wlthdrawnl, recall, III.\peelloll, repnlr, repla;e.
lIlenl, adjustment, relllovnl or dllposnl oC:
CO lllllllll AA
Copyright, (nsurnnce Service! Umee, Ine" t~A2,I~RA
Page) or 12
o
, I"
COMMERCIAL <lENEllAL l.IAlIlI.lTY
COVERAOIl HlRM
(I) 'Your I,rodudj'
(1) 'Your work;'
(3) 'ImllBired property;'
if such product, work, or prol,crly is with.
drawn or recalled from Ihe markelor from u.le
by any persoo or orgonl1.l111on beeouse of 0
known or suspected defect, deliclency, Inad.
equacy or dangerous condition in it.
Ilxcluslons c. Ihrough 0, do not al'ply to damage
by lire 10 premises rented 10 you. ^ separate limit
of Insurance applies 10 Ihls coverage as descrlhcd
in LIMITS OF INSURANCE (SECTION III).
COVERAGE U. PERSONAL ANn AIlVERTIS.
ING INJURY LIABILITY
I. Inswill8 AgreemcnL
a. We will pay Ihose sums Ihotlhe insured be.
comes legally obllgaled to pay as damages
because of 'personal injury' or 'adl'Crtlsing
Injury' to which Ihis coverage port applies.
We will have Ihe rlghl and duly 10 defend aoy
'sull' seeking Ihose damagcs, We may 01 our
discretion Investigate any 'occurrence' or of.
fense aad sellle any claim or 'suit'thatmay
result. Out:
(I) TIle amounl we will pay for damages Is
limited 05 described In LIMITS OF IN.
SURANCE (SECnON Ill); ond
(1) Our rlghl and duty to defend end when
we have used Ull Ihe ol'pllcable lImit o[
Insurallce 10 Ihe t'aymellt of judgmenls or
selllemeots under Coverage A or 0 or
medical expenses under Coverage C.
b. This hLlurullce ul'I,lIes to:
(I) 'I'cr&onalllljury' eoused by all ulTelLle
arising oulof your bo.llnel\.l, excluding
advcrtislng, publishing, hrulldcasting or
telecasting done by or for you;
(1) 'Advcrtlslng injury' cau.led hy an olTense
cunllnilled In Ibe course of udvertlslng
your good!, I,roducts or services;
but only If Ihe olTense was COllllllllled In Ihe
'coverage lerritory' during Ihe 11lIIIcy period.
2. ExcluslOlu.
This Insurance docs not apply 10:
a, 'Personal Injury' or 'adverlislng Injury:'
(I) Arising out of oral or \\Titten publlcalion
of malerlal,lf done by or allhe dlrectioo
of Ihe Insured wilh knowledge of Ita falsity;
(1) Arising out of oral or \\Tillen publlcallon
of material whose Iirsl publication look
place before Ihe beginning of Ihe policy
period;
(3) Arising 001 of the willful violation of a
penal statute or ordinance cOllllnllled by
or wilh the consent of Ihe Insured; or
No olher obllgallon or liability 10 pay SUIIIS or
perform acta or services 15 covered unless ex,
pllcltly provided for under SUPPLI!MBNTARY
I'A YMI!NJ'S - COVI!RAOI!S A AND O.
(4) For which the Insured has assumed liability
In a contrad or agreelllent. This exclusion
does nol apply to liability for damagea thai
the Insured would have 10 the absence of
the conlract or agreement.
b. 'Advertising Injury' arising oul of:
(I) Dreach of contrad, olher Ihan mlsappro.
prlatlon of advertising Ideas under an 1m.
plied contract;
J'oge 4 of t2
Copyright, IlIsurllllco Services gn1co, IIIC., t982, 1988
COllllllttt 88
.0
COMML!lICIAL ClEN\!RAL LIAUlLlTV
COV\!RAUI!FORM
(1) Tho faUure of gooti\, I)roducls III 6Clvlccs
10 conform whh advertised qualily or pcr-
rurmance;
(3) Tho wrong descrlJ1llon of the price of
goolb, producta or &ervlces; or
(4) An olTense commllled by an Insured
whose blLllaess Is adverllslng, broadcast-
Ing. publishing or telecMllng,
(3) Nece&.lary ambulance, hospllal, profes-
slqnal nursing and funeralservlees.
2. Elcluslons.
We will noll'ay elpenses for 'bodily Injury:'
a. To any Insured.
b. To a penon hired 10 do work ror or on behalf
or any Insured or a lenant or any Insured.
Co To a pmon Injured on Ihat part or premlscs
you own or rent Ihal the person normally u\:'
cuplel.
d. To a perlon, whether or not an employee of
any ll15ured, Ir benelill ror Ihe 'bodUy Injur)"
arc payable or must be provided under a
worken' compensation or dlsabUily benelill
law or a Ilmllar law.
e, To a pmon injured while taking part la alh.
leila,
r. Included wllhla Ihe 'products. completed op.
eratloll5 hazard.'
8. Blcluded under Coverage A.
h. Due 10 war, whelher or nol declared, or any
act or condhlon Incldentlo war. War Includes
civil war,llI5urrectlon, rebellion or revolution.
SUPPLEMENTARY PAYMENTS, COVERAUES
AANDII
We will pay, wilh respect 10 any claim or 'IUI\' we
derend:
I. All elpensC& we incur.
2. Up 10 $250 ror cosl or baU bonlls required be.
cause of accldenll or traffic law violations arising
nut or the use or any vchlcle 10 which Ihe Bodily
Injury Llablllly Coverage appllel. We do nol havc
10 rurnllh Ihele bonlls.
3, Tho cost or bonlls 10 release allachmenll, bul
only ror bond aRlounll within the appllcablellmil
or Irauranco. We do nol have to rurnlsh these
bonda.
COVERAGE C. MEDICAL I'A\'MEN'I'S
1. Inswillll AareemenL
8. We wlU pay medical expenses as described
below ror 'bodily inJIIr)" cIlLled by 8n acci.
dent:
(1) On premises you own or rent;
(2) On ways next to premises you own or renl;
or
(3) Because or your operations;
provided Ihat:
(1) The accldenllakc. place In Ihe 'coverage
lerrilory" and during Ihe policy period;
(2) The expenses are Incurred and reported 10
us within one year or the date or tho acci.
denl; and
(3) The Injured penon submllllo examination,
at our expense, by physicians or our chulce
85 onen as we reasooably require.
b, We will make these payments regardle&! or
rault. These payments will not elceed Ihe ap'
pllcable IImil of Insurance. We will pay rea.
sonable elpenses ror:
(1) Flnt aid at the time of an accident;
(2) NecC5Sary medical, surgical, x-ray and
dentalservlceB, Including prosthetle de-
vices; and
co 00 01 11 88
COI')'1lghl, hllurance Service. Qmce,lnc" 1982, 1988
I'age 5 of 12
o
~
COMMERCIAL OENl!ltAL L1AlIILlTY
COVmtAOE FORM
4. All reasonahle eXpCltlCS incullcd hy the Insured
ut uur relluest lu o~llsl us in Ihe invcstllllltlon III
dcfertle of Ihe claim ur 'soit; includinll nrtunl
lulS of earnings Ulllo StIlll 0 day hCCDlLle of time
olTfrolll work.
S. All co~lslaxcd agaln.lllhe insured In the 'suit.'
6. l'reJudgmenllnlerest awarded agulrtlllhe Insured
on Ihall'art of the Judgment we I'ay. If we make
an olTer 10 I'ay the applleuble limit of irtlurance,
we will nol pay any preJudgll1ent inleresl bascd
00 Ihal period of lime aner Ihe ulTer.
7. Alllnlerest on Ihe full amounlof any judgment
Ihat acaues aner entry of Ihe Judgmenl nnd be.
fore we bave I'aid, alTered 10 pay, or deposited In
court Ihe part of the JudgmenlIhalIs wltbln the
applicable IImll of Insurance.
These paymen~ willnol reduce Ihe limits of Irtlur.
once.
IllUvlde plUfc~llonlll hcnllh cnre servlcesj
III
(3) 'I'WI,erly damage'lo property owncd III
occul,led hy or renled or lonned 10 thai
eml,luyee, any uf your ulher employeell, or
any uf your I'altners or memhers (if you arc
a partnership or Joint venlure).
b. Any (lerSOn (other than your eml,loyee), ur
any orllanlt.otlon while acting as your real es.
laic manager.
Co Any persun or organl1.ollon having proper
temporary cuslody of your pWI,erly If you die,
bUI only:
(1) With respect 10 Iiabllily arising out of the
malnlenanee or use of Ihal properly; and
(1) Unlll your legal represenlalive has been
appolnled.
d. Your legsl relllesenlative If you die, but only
with respect to dulles as such. That represen.
lative will have all your rights and dulles under
Ihls Coverage Part.
J. With respect 10 'mobile equlpmenl' reglslered In
your name under any motor vehicle reglstrallon
lew, any person l.I an Insured while driving such
equlpmenl along a public highway with your
permlsslun. Any other person or organization reo
sp'Jnslble for the conduct of such person l.I al.lo
au Insured, but only wilh resped 10 lIabllily oris.
Ing out of the operallon of the equipment, and
only If no otber Insurance of any kind Is available
to tbal person or organization for Ihls liability.
However, no person or organization Is an Insured
with respect to:
.. 'Bodily InJur)" to a co-employee of the pertlon
driving the equlpmentj or
~. 'Property demage' to (1lOperty owned by,
rented 10, la Ihe charge of or occupied by you
or the eml,loyer of any person who Is aD 10-
sured under this provision.
4. Any or8anl1.ollon you newly Dequlre or form,
other than a pDrtnershlp ur Joint venture, and over
which you malnlaln uwnershlJl or majority Inter-
..~ will qualify as 0 Named Insured If Ihere Ia no
llIher similar Insurance available lu that organ-
b.ollon. However:
SECTION II . WIIO IS AN INSURED
1. If you are designated In Ihe Declarations as:
a. An Individual, you and your SllOlLle ore In-
sureds, but only wilh respect to the coaduct
of a business of which you ore Ihe sole owner.
b. A partnCrtlhlp or Joint venture, you arc on In-
sured. Your memberll, your partners, and their
sJlOuses arc al.lo Insureds, but unly wilh re-
spect to the coaduct of your business.
Co An organlzallon olher than a partnership or
joint venture, you ore an Insured. Your execu-
tive officers and directors are Insured.s, but
only witb resped to Iheir dalies as your offi-
certl or dlrectortl. Your stockholders ore also
Insureds, bUI only wilh respect to Ihelr liability
as stockholders.
Z. Each of Ibe following u al.lo an Insured:
.. Your employees, other Ihan yuur executive
officers, bal only fur DC~ within Ihe scope of
Ihelr employment by you. However. 00 em-
ployee is an Insured for:
(I) 'lIodlly InJur)" ur 'pCl6onllllnJur)" to yuu
or 10 8 co-employee while III the cuurse
of his or her empluymenl, ur the spuuse,
child, parellt, brolher ur sisler of Ihat co-
eml,luyee as a eortlequellce of such
'bodily InJurY' or 'pelsonlllinJury,' or for
any obllgDllon to share damages wilh or
repay someone else whumlL~t pay dam-
ages because of the IIIJury; III
(1) 'lIodlly InJurf III 'pcrsullallnjur)" lIr1slng
out of his or her 1'lIlvldillgllr fllilillgtu
1'lIge (, uf 12 ('ll(llllghl, Insurance Services Qmce, Ine" I11H2, 1988
II. Coverllge under Ihls provision Is alTorded only
unllllhe 901h day aner yuu aC1lulre or form tbe
organl711tlun or Ihe end of Ihe policy period,
whichever Is earlier;
COUUlll1l88
o
b. Cuverage ^ docs notnpllly tu 'hudlly InJur)"
ur 'prullerty damage' that uccurred hefore
yuu acquired ur furmed the urganll.l\llun; and
l'. Cuverage II docs not allply lu'pe1511aalln.
Jury' or 'advertising InJur)" nrlslng uut uf nn
ulTenae cummltted hefore you ncqulred ur
furmed the organlzatlun.
No persun ur urganll.l\tlon Is an lnaured with respeel
tu the conduct of nny current or Ila&t partnerahlp or
joint venture thntls nut shuwn nl n Nnmed lnaured
In the Declnralluna,
SECTION III ' L1MI'TS (WINSURANCE
I, The Limits of lnaurnnce shown In tho Declnra-
tloll.\ nnd tho rules below Iix Iho most we will pay
regardless of the numher of:
n. lnauredsi
b. Claims mode or 'suits' brought; or
e. Persull.\ ur urganll.l\tluna making claims or
bringing 'suits.'
2. Tho General Aggregate Limit Is the most wo will
Ilay fur tho sum of:
o. Medical expull.\es under Coveragc Cj
b. Damages under Covernge A, except damages
beenuse of'bodily Injury' or 'property dam.
age' Included In Ihe 'products.completed
operations hazardi' and
e. Damages under Covernge II.
3. The Products. Completed Operatlena Aggregate
L1mllllthe mosl wc will pay under Coverage A
for damages beenuse of'budily InJur)" and
'property damage' lacluded In Ihe 'products.
cumpleted operatloll.\ huard.'
4. Subject tu 2. nhove, the I'ersonal and Advertising
Injury Limit Is Ihe m051 we will pay under Cover.
nge II for Ihe sum of all dnmages because of all
'persunallnJury' and all 'advertlslag Injury' SILl'
talned hy anyone person ur urganlzatlun.
S. Subject lu 2. ur 3. abuve, whichever applies, the
Each Occurrence Limit Is the most we will pay for
the sum of:
a. Dnmages under Cuverage A; and
b. Medical expenaes under Cuverage C
hecall&e uf all 'budlly Injury' and 'pruperty
damage' arising uut uf any une 'occurrence.'
COMMERCIAl. OENEllAt. L1AIlIUTY
COVERAOI!FORM
fi. SuhJel1tuS, abuve. the I'lre [)nmnge Limit Is the
mo&t we will pny under Cuvernge A fur damngC5
beenILle of 'prullerty dnmage' to I"emlses rented
lu yuu arising uut uf any une lire,
7. SubJeeltuS. above, Ihe Medlcall!xpenae Limit
Is the most we willllny under Coverage C for all
medlcnl expenaes becall&e of 'bodily Injury" IllS-
Inlned by anyone IIcr&on,
The limits of this Cuvernge I'nrt apply separately to
each cunaecutlve annual perlud and 10 any remain.
log period uf leM Ihao t2monlhs, starting with Ihe
beglonlng of the policy period shuwn In Ihe Decla.
rations, unleM the policy period Is extended aner Is.
suance for an additional period of leM than 12
months. In Ihat case, Ihe additional period will be
deemed port of the lasl preceding period for pur.
poses of determining Ihe LImits of lnaurance.
SEC1'ION IV . COMMERCIAL (lENERAL
L1A8ILl1Y CONUl1'IONS
I. lIankruptcy.
lIankroptcy or lnaolvency of Ihe lnaured or of the
lnaured's estate will notlelleve IlS of our obll.
galloll.\ under Ihls Coverage Part.
2, Vutlelln 111e Evenl or ()ccWTCncc, Claim
Or SulL
a. You must see to It Ihnt we are nolllied as loon
na praellcable of an 'occurrence' or aD ef.
fenae which may result In a claim. To Ihe ex.
tenl possible, nollce shoold Include:
(I) How, when and where the 'occurrence'
or olTenae took 111 ace;
(2) The names nnd addressel of any Injured
persoll.\ and witnessesi and
(3) The nature nnd location of any laJwy or
damage arising out of Ihe 'occurrence' or
olTenae.
b. If 0 claim Is made or 'solt' Is broughl against
any lnaured, you must:
(I) Immediately record Ihe speclnca of tho
claim or 'suit' and the dale recelvedi and
(2) Notify IlS a5 soon as practicable.
Vuu must see to It thnt we receive wrlllen
nollce or Ihe claim or 'suit' a5 soon a5 prae.
tlcable.
COIIIIIIIIIHH
Cnp)Tlghl,ln.lurnnce Services Umce.lnc,. 19H2, 19HH
I'nge 7 of t2
o
COMMERCIAL lll!NEllAL I.IAI\II.ITY
COVERAll\! FORM
t. Yuu und any ulher Invulvcd In~U1ed mu,l:
(I) Illlllledlulely 6end 11.\ CUI,lc~ uf nny dc.
mun<l5, Illrtlccll, ftUlllmun~c~ nr ICllnllllll'CU
rceelvcd In cunncctiun with the r1nlm ur
"suitj"
(1) AUlhnrll.c \JJ lu ohlalnlcclllds and ulher
Infolmallon;
(3) Cooperate wllh os In the Invc~t1llntlun,
seUlemenl or dcrelL~e uf Ihe claim ur 'sull,'
and
(4) Assl.st lIS, ul,on uur requesl, Inlhe
enforcement of any right agaln.o;t any per.
sea or organl7.atlua which may he liable to
the I1I5uled becau&e uf lajulY or damage 10
which Ihlsln.o;urance may 0160 apply.
d. No In.o;wed! will, except atlhelr uwn cost,
voluntarily mnke a paymenl, assume aay ubll-
gatlon, or Incur any expense, other than for
lirst aid, \Iilhout our consen!.
3. Legal Action Allalnst Us.
No pellioa or organization has a right under thlft
Coverage Part:
a. To join \JJ as a party or olherwise bring \JJ lata
a 'suit' nsklng for damages from an Insured;
or
b. To sue \JJ on this Coverage t'art unless all of
ILl terms bave beea fully compiled with.
A pellion or organization may sue \JJ 10 recover
elll an agreed seUlemenl or on a linal judgment
agaln.o;l an I1I5uled obtained aner an actualtrlal;
but we will not be liable for damageft thaI arc not
payable under the terms of this Coverage Palt or
that ale In excess of Ihe applicable limit of Insur-
ance. An agreed seulemeat mea1l5 a seUlemenl
and release of liability signed by lIS, the I1I5wed
and the claimant or the c1aimanl'slegal repre-
6enlatlve.
4. Otber 11I5unlllee.
If other valid and cullectlhle In~urance Is uvnllublo
to the I1I5ured for a loss we cover under Cuver-
ages ^ or II of Ihls Covelage l'lIIt, our ohllgullOlL\
ale limited as folloll'li:
n. Primary IlL\ulUoce
This 11I5uraace Is IlIlmllry except when b. he-
low applies. If this insurance i~ primary, our
uhllgallollS 1I1e nut alfecled
unle6.\ IIny uf the (rthel hL,ulnnce I~ also 1111.
malY. Then, we will shale wllh nil that uthel
I1I5urnnce hy Ihe melhod dellllhed In c. he.
low.
b. Exce!.\ hL\UranCe
Thlsl1l5ulance Is excel! uver aay of the other
11I5urance, whether I,rlmary, exce!.'!, coalln.
gent nr IllI any (rther basis:
(I) That Is I'lre,l!ldended Coverage, llullder'l
Risk, 11I5tallallon Risk nr similar coverage
for 'your work;'
(Z) That Is Fire In.o;urance fur premlsel realed
10 you; or
(3) If the loss allses out of Ihe malnteaaace
or use of alrcran, 'autos' or watercran to
the eldent aot 6ubJect 10 I!xclu&lon g. of
Coverage A (Secllon I).
When Ihls I1I5UlanCe Is excess, we will bave
no duly under Coverago ^ or Ilto defend any
claim or 'sull' that any olher In.o;urer has a
duty to defend. If no otber IMurer defendJ,
we will undertake 10 do 60, bul we will be
eatltled to Ihe In.o;ured's rlghLl agalll6l alllbose
olher lrL\Urers.
When this In.o;uraoce 15 excess over otber In-
6urance, we will pay only our share of tho
amount of Ibe loss, If any, that exceeds the
aUIII of:
(I) The lotal amounl that all such olber 11I5ur.
aace would pay for the loss In tbe absence
of Ihlsl1l5urancej and
(Z) The tolal of all deductible and aell.11I5ured
alllounLl under all that other 11I5urance.
We will6hare the remalalag loss, If any, with
any otber 11I5urance thatIA IItrt de6crlbed In
thIA I!xcessl1l5urance provision and was not
bought apecllically In apply In excess of the
L1mlta of 11I50rance shown In the Oeclarallolll
of Ihla Coverage Pall.
c. Method of Sharing
If all oflhe olher IlL\urance pelmlll conlrlb.
ullon by equal ahures, we will follow this
lIIelhod also. Under Ihl6 approach eacb I1I5urer
contrlbule6 equal amounLl unllllt has paid III
npplleable limit of 11I5urnnce or none of tho
101.\ remnllL'!, whichever cOllies lilSI.
('uge 8 of 12
Copyrlghl, losuruoce Service6!!mcc,lnc., 1982, \988
o
co 1I11 lit \I 68
COMMmlCIAI. OI!NI!ML LMDlLlTY
COVI!M<lI! FORM
I( any of Ihu ulher IMorunce doos nolllormlt
eonlribullon by equal ahareA, we will conhlb.
ute by IImlta, Under this melbod, each hL~ur.
or'a ahore la based on the ratio of Its ul,pllcoble
limit of IMuranco lolhe 10101 U(II,l1cuble IInllls
of IMurance of allllL'urCl8,
S. l'remlum AudlL
a. We will coml,ulo nlll'rel1llulIIs for Ihls Cover-
ago I'arlln accordance with our rules and
rates.
b. PremlUIII ahown In Ihla Coverage I'orl os ad.
vance prellllum Is a deposit premium only. Al
Ihe cl05e of each audit period we will com.
pute Ihe earned premium for that period. Au-
dit premiums are dun and payable on notice
10 the fint Named (Mured. tf the sum of tho
advance and audit premiums paid for Ihe pol-
Icy term Is grealer Ihan the earned premium,
we will return Ihe excess to the firsl Named
IMured.
e. The fint Named IMured must keep records of
Ihe Infl1lmallon we need for premium compu.
tatlon, and send us copies 01 such times as
we may request.
6. RepreSllnlaUal\l,
Dy acceptlnglhls policy, you agree:
a. The statementl In tho Declarations arc aecu.
role and complete;
b. Those Ilalementl arc based ol'on represenl-
allons you made to us; and
e. We have Issued Ihls policy In reliance opon
your reprelenlallons,
7. SepUl1lllon or Insureds.
I!xcel~ wllh relpect 10 Ihe Llmll.l of Insurance,
and any rlghls or dUlles specifically assigned In
Ihls CovelPge I'allto the firsl Named tnsured, this
Insurance applies:
a. AlII each NOllled Insured were Ihe only
Named IMured; and
b. Separately 10 cadi Insured agolnsl.whom
claim Is mode III 'IUIt' is brought.
R. l'rullsrer or Rlllbll or Reronl)' A8alllSt
Olhol'l1'o Ua.
If Ihe IIL,uled has rillhls 10 recover all or I'arl of
allY pOYlllent we hove made under this Coverage
I'art, tllI",e rights ale Iran.,ferred to ILl, Tho In.
lured musl do nolhlng aRer loss 10 Impair Ihem.
Alourrequell,lhe In.,ored will bring 'suit' or
Ironsfer Ihose rlghls to us and helll us enrorce
Ihelll.
II. Whell We Uo Nol Rellow.
I( we decide nol 10 rellew this Coverage Part, wo
will mall or deliver 10 Ihe /irbl Named Insured
shown In the Declarations wrlllen nllllce of Iho
nonrenewal not less Ihan 30 days before Ihe es-
plration date.
I( 1I01ice Is mailed, proof of moiling will be suffi-
clenl proof of nolice.
SECTION V ' UEFlNITIONS
1. 'Advertising InJurY' meuns Injury arising oul of
one or lllOle of the following offenses:
u. Oral or wrlllen publlcntlon of Illaterlallhal
slanders or libels a person or organlzallon or
disparages a person's or organI7.allon'a goods,
products or services;
b. Oral or wrlllen publlcnllon of lllaterlallhal vi.
olates a perlon's right of prlvaCYi
c. Misappropriation of adverllslng Ideas or style
of doing business; or
d. Infrlngemenl of cOI')Tlgh~ tllle or slogan.
Z. 'Aulo' means a land motor vehicle, troller or
aemllraller designed for travel Olll,ublle roads,
Includlllg any allaehed machinery or equlpmellt.
Out 'aulD' does nul Include 'mobile equipment.'
3. 'Dodily InJurY' means bodily Injury, sldness or
disease suslalned by a person, Including dealh
relultlllg from any of these at any lime.
4. 'Coverage lercllory" means:
a. The Unlled Slales of America (Includlngltl
lercllorles and possessions), I'uerto Rico and
Canada;
b. International waters or airspace, Illovlded the
InJury or damage does not occur In Ihe cowse
of travel or lransportallon to or frolll any place
nut Included In a. above; or
to All partl of Ihe world If:
(1) The Injury Ilr damage arlles out of:
(a) ()oods Ilr productl made or sold by you
In Ihe IcrrlllllY described In a. abovei
or
CO tItI (l\ \I HR
l'1lJ1)Tlghl, In.,urance Servlres Umce, Inc" 19H2, t9HH
I'nge 9 of 12
o
COMMEltCIAL GENERAL LIABILITY
COVEItAOI! FORM
Ib) The uctlvillcs of u Ilelhlln whnse hume
Islnlhe lellllory demihed In u. ubove,
hUlls uwuy for n shmlllme un yuur
hu.llne55; and
IZ) The illSured's responsibility 10 IlaY dum.
ogesls del ermined in a 'suit' un Ihe merils,
In Ihe lerritory deserlbed In a, ohove or In
a senlement we agree to,
s. 'Impaired propert)'" meallS langlhle I'lllpelly,
olher Ihan 'your product' or 'your work,'lhal
cannot be used or Isle55 useful hecause:
a. lIincOlporales 'your plllJuct' or 'your WOl k'
Ihatls known or Ihoughlto he defectivc, dc-
ficien~ iaadequate or daogerous; or
b. You have failed 10 fulfilllhe tcrms uf a con.
lract or agreement;
if such property caa be reslored 10 use by:
a. The repair, replacement, adjuslment or re.
moval of 'your producl' or 'yuur work;' or
b. Your fulfilliag the terms of Ihe contract or
agreement.
6. 'Insured contract' mea lIS:
n. A lease of premises;
b. A sidetrack agreement;
c. Any easement or license agreement, exceplln
connection wilh cOlISlructlon or demolition
oJlCrnllollS on or wilhln SO feel of a railroad;
d. An obligallon. as reqolred by ordluance, 10
Indemnify a municipality, exce(1lln con.
nectlon wilh work for a municlpalily;
e. An elevator maluleuance agreement;
r. That pari of any other conlract or agreement
pertaining 10 ynur busloess (Including an
Indemnification of n municlpallly in con.
nectlon with work perfolllled for a munici-
pality) under whleh you nssume the lort
liability of another party to puy for 'bodily In-
jur)'" or 'properly damage' 10 a third person
or orgaalzatlon. TorI liability means a liability
thai wouM be Imposed by law In the absence
of any contruct or agreemenl.
(luge 10 of 12
Au'lnsureJ cOUlrul1' docs uollnclude Ihalpall
IIf uny conlract or agreement:
n. Thai Indemnifies any I'erson or organization
fur 'hodily Injur)'" or 'prol'erty damage' arls.
Ing out of cOll,lrucllon or demolition oper.
allOlll, wilhln SO feel of any ruilroad property
and affecting nny railroad bridge or treslle,
Irncll, road. beds, lunnel, undcrpa55 or eross.
Ing;
b. 1'hnllndemnlfics un architect, engineer or
surveyur for Injury or dumage nrlslng oul of:
(I) Preparing, approving or failing 10 prepare
or approve mnps, drawings, opinions, re-
porta, surve~ change orders, designs or
specifications; or
(1) GIving directions or IlISlructlons, or failing
to give Ihem, if Ihnlis Ihe primary cause
of Ihe Injury or damage;
c. Under which Ihe Insured, if an architect, en-
gineer or surveyor, a55umesliabillty for an In.
jury or damage arising oul of Ihe Insured's
rendering or failure 10 render professlonalser-
vices, Including Ihose Iisled In b, abovc and
supervisory, Inspection or engineering ser.
vices; or
d. That Indemnifies any person or organization
for damage by fire 10 I,remlses renled or
loaned 10 you.
7, 'Loading or unloading' means lhe handlillll of
prollerty:
a. Aner It 15 moved from Ihe t,lace where It 15
aecellled for movemenllnto or onto an air-
eran, walereran or 'nuto;"
b. While It 15 In or on nn nlrcran, walera-an or
"autojl or
e, While It 15 being movcd frum an alreran,
walereran or 'aalo" 10 the place where It Is
finally delivered;
but 'loading or unloading' docs uotlnclude the
movement uf propelly by means of a mechanical
device, olher Ihan n haud truck, that Is not ai-
tached 10 Ihe alrernn, walcreran or 'auto.'
8. 'Mobile cqulpmenl' means nny of Ihe following
Iypcs of Innd vehicles, Including any allached
machinery or cqu11lluenl:
Copyright, In.~urancc Services Qmcc,lnc" 1982. t988
o
COIlIl 01 11 88
a. Uull~ozm, f011ll mochlnelY, fOlkllns on~ olhel
vehicles ~eslgne~ fOI U.'D principally oIT I'uhlle
10atU;
b. Vehicles malnlolne~ fOI u.,e solely on or ne~
10 premises you own or relll;
c, Vehicles thallrovel 011 crawler IreotU;
d. Vehicles, whelher self'propcllc~ or 001, 1II01n.
lolne~ primarily 10 provi~c moblllly 10 pcrmo.
aelllly mountc~:
(I) Power cranea, shovcls, londera, diggers or
drills; or
(2) Road conslrucllon or resurfnclng equip.
menlsuch 1IJ gra~ers, scrapcl1l or rollersi
e, Vehicles nol described In n., b., c. or d. above
that arc aol self.propelled and arc maintained
primarily 10 provide mobility 10 pcrmanently
aU ached equipment of lhe following Iypes:
(1) Air compressora, pumps and generalora,
Including spraying, welding, building
cleaning. geoph~lcal explorallon, IIghling
and well servldng equlpmenli or
(2) Cherry plders and similar devices used 10
ralae or lower workersi
f. Vehicles aol described III a., b., c. or d. above
malnlalaed primarily for plUpuses olher Ihan
Ihe Iransportallon of persons or cargo.
However, self'prcpelle~ vehicles wilh Ihe 101-
lowlag lypes of permanenlly allachcd equip-
ment arc nol 'mobile eqolpmenl' but will be
consl~ercd 'aulO!:'
(I) Equlpmenl designed primarily for:
(a) Saow removal;
(b) Road malnlenance, bUl nol con.
slructlon or resurfadng;
(c) Slreet cleaning;
(2) Cherry pickers and similar devieca
mounted on aUlomoblle or Iruck clulISls
an~ \l.Ied 10 raise or lower workersi and
(3) Air compressora,l,um/ls and generato,a,
Including spraying. wel~ing, bull~lng
cleaning. geoph~lcal cxploralion, lighting
aa~ well servldng equipment.
9. 'Occurrence' means an accl~enl, Indu~lng con.
Ilnuo\l.l or repcale~ cxpO!ure 10 substantially Ihe
same general harmlul con~llloll',
COOOOIlJ8H
COMMl!IlClAI. ClI!NI!IlAL UAIIIUTY
COVI!IIA<lfi FOIIM
10. 'l'crsonallllJur)'" lIIelllL' Injury, ("her Ihan 'bodily
Injury,' allslng oUlol one or 1II0re 01 Ihe follow.
Ing oITell,es:
a falso arresl, ~eteollon or Imprlsonmenl;
b. Malldow IlI00ecullolI;
c. The "TOnglul evlcllon fron\ wrongful enlry
Into, or Invasion 01 Ihe rig hi of prlvale occu.
I'ancy 01 a room. ~welllng or premises Ihat a
/!CISon occupies by or on behalf of Ita owner,
lan~lord or leLmr;
d. Oral or wrillen publication of malerlallhal
slan~CII or libels a person or organlZltlon or
dlsporages a person's or orgsnlZltlon's gOOtU,
IlIo~ucts or servlccs; or
e. Oral or wrllten publlcallon of malerlallhal vi.
olates a person's rlghl of privacy.
11. n. 'Pmducta'complcted operallons hazar~'ln.
cludes all 'bo~lIy InjlU)'" an~ 'property dsm.
age' occurring away from premises you own
or rent and arising out of ')'DIU product' or
'yolU work' oxcept:
(I) I'ro~ucta Ihal arc sllllln your physical
possession; or
(2) Work that has not yet beeo complele~ or
abaodoned.
b. 'Your work' will be deemed complele~ atlhe
earliest of lhe following limes:
(1) When all of Ihe work calle~ for In YOIU
contract has been completed,
(2) When all of the work 10 be done at the sile
has been complete~ lf YOIU conlract calla
for work at more Ihan one slle.
(3) When thai pall of Iho work done al a job
silo bns been put 10 IIslnlended use by any
person or organization olher Ihan .nolher
contractor or luhcontroctor worklnll nn lhe
somo projed.
Work .hat Inay nee~ Icrvlce, malnlcnance,
correction, repair or rel,locemenl, bUI which
Is otherwise completc, will be treated.s
complele~.
c. This hB7or~ ~oes nollndU~D 'bo~lIy InjlU1
or 'propcrly domogc' arlllnll oul of: ,
Copyrlgh', In!lIrRncc Services Umce,llIc" II)H2, II)HH
"RgC II or t2
, ,
o
('OMMElI('IAL 11I!Nl!IlAL L1AIIILlTY
COVl!IlAllI! I'OIIM
(I) Thc IrUIL\IXlIlullon IIf 1''''(lcllY, unlcM lhe
Injury ur damage orifiC5 uul uf a cOlldilloll
III or 011 a vehiclc Clculcd hy lhe 'loading
or uoloading' of IIi
u, AllY \loUlL. IlIl'wdudll, l~hcr lhaa real 11101"
erty, maaufllrtured, solt!, handled, dlslrlbuled
or dlspused of hy:
(1) The exlilence of 100111, ullln.\lallcd cqulp-
ment or abandoned or ultll.5cd mOlerlolsj
(I) YOUi
(1) ()lherslradlng ullder your nomel or
(3) A (lellOn or organl7.allon whOle buslnelS
or IIIScll you have acqulredj and
(3) t'roducU or operallolls for which Ihe cllI-
slOcalloa 10 Ihla Cuveragc Pall III In our
manual of rulcslncludcspwducts or com-
pleted ollCmllolls,
b. COlllalncrs (oIher Ihan vchlcles), malerlals.
pBrta or equipment furnlshcd In eoanectlon
whh such Roods or I,roduw.
'Your product'lncludcs:
U. 'I'roperty damlge' meaM:
a. Ph)llcallnJUJ}' 10 laaglble property, Including
all resuhlngloss of use of Ihalpltlperty. All
such lusa of use shall be deemcd 10 occur 01
Ihe lime of the ph)'lilcallnJury Ihul caused hj
or
a. Warranlles or rcprcsenlalloM made al any
lime whh respect 10 Ihe fitness, quality, dura-
bility, performance or use of 'your productj'
ond
b. Loss of lI.5e of langlble properly Ihalls nol
physically Injured. All such loss Ihall be
deemed to occur atlhe time of Ihe 'occur-
renee' thai caused h.
b. The providing of or failure 10 provide warnings
IlIlns1ructloM.
'Your product' doel nollnclude vcnding ma"
chlneR or oIher property rentcd 10 or localcd Cor
Ihe usc of olhers bul nol sold.
13. 'Suit' mcaM a clvllproccedlng In which dalll-
agc because of 'bodily InJUJ}',' 'property damagc,'
'I'CI5uaallnJurt or 'advcrtlslng Injury" 10 which
Ihlslusuraaee applies arc allcged, 'Suit' Includes:
IS. 'Your wOlk' menM:
a, An arbltrallon proceeding In which such
damages arc claimed and 10 which you musl
submll III do lubmlt with our cIIMent; or
u. Work ur operallons pcrformed by you or on
your behalf; and
b. Malerlalll, porta or cqull'menl Curnlshcd In
coanectlon wllh such work or operallons.
b. Any oIher allcrnallve dlspule rcsolutlon pro-
ceedlngln which such damagcs arc claimed
and 10 wblcb you submll wllb our coMenl.
'Your work' Includes:
a. WarrnD lea or reprcsenlolloM made at any
time wllh respect 10 Ihe filness, quallly, dura"
bllilY, (Krfonnance or lI.5e oC 'your work;' and
14, 'Yllur product' meaM:
b. The providing of or Collure 10 provide warnings
or In&tUdloM,
I'ugc 12 lIf t2
ClIpyrlllhl, (murunce Scrvlccs gmrc, IIIC, 1982, 1988
co 00 0111 88
o
COMMI!RCIAL OI!NI!RAL LIABILITY
TIUS BNDORSI!MI!NT CtlANOI!S Tlln I'OLICY. PLJ!ASI! RJ!AD IT CARI!PULL Y.
EXCLUSION. ENGlNEEnS, AnCHlTECTS on SUnVEYOnS
pnOFESSIONAL LlADlLl1'Y
This endoraemenl modifies Insurance provided under Ihe following:
COMMI!RCIAL OI!NI!RAL LlADlLlTY COVI!RAOn PART
This Insurance docs not apply lu 'bodily Injury', 'property damage', 'personal Injury" or 'advertising Injury"
arising oul DC (he rendering or failure 10 render any profeMlonal services by or for you, Including:
I. The preparing, approving, or failing 10 prepare or approve maps, drawings, opinions, reports. lurveys, chango
orders, dellgns or speclficallonsj and
Z. Supervisory, Inspealon or engineering servlcel.
CO 22 43 11 85
CnJ1yrlghl, Insurance Servlcoa Office,lnc., 1984
o
! !',.!
l'ms ENIlORSI':MENT MOllIFIES S\JClltNSIlIIANCE AS IS AFl'IlJlllIW
IlV Tim I'ROVISIONS (W TilE COMMERCIAl. (it:NliRAt. I.IAlIIJ.I'IY COVIiRAlit: !'ART.
EMI)LOYEE BENEFIT PltoGllAMS LlAlIILlTY ENUOnSEMENT
SCllEUULE
Item 1,
Limit of htlurnnec:
$ 1,000,000 each $ 1,000,000 Aggregale
claim
$1,000,00 each claim
Deductible
Item 2.
Premlam Computation:
Estlmaled Number
of Employees
40
I!sllmsted Premium
$ 690
Item 3.
Annual Minimum Premium:
Role (per employee)
FLAT
$ 690
I. Coverage. Employee lIeneR! Liability
A. We will pay Ihno;e SUOlS Ihat Ihe Insured becomes legally obllgaled 10 pay as 'damages' beta\Lle of Injury sustained by
any of your employees, your former employees, or their beneficiaries or legal representatives, The Injury musl be
caused by a nesllgent act. errOI or omlMlon of the huured or of any other person for whU6e acta, errors or omlulon Ihe
Insured ~ lesally liable, In Ihe admlnlslratlon of your 'employee benefit prosraOlS.' We have the rlshtand duty 10 defend
any suil agalnslthe Insured seeking thlt'ie 'damages,' DUI,
1. The amount we will pay for 'damages' under Ihls endorsemenlls limited as described In Section IV _ L1mlll of
Insurance and Deductible In this endorsement.
2., We may, at our dlscrellon, Invcstlgate any 'claim' and sellle any 'claim' or 'suit' that may result; and
3. Our right and duty 10 defend end when we have used uplhe applicable limit of IlIIurance In this endorsement by
payment of Judgmenll or sctllements.
II. This endorsement applies only to c1alnu agalltllthe IlIIured which occur during tbe pollt)' period wilhln Ihe 'coverage
lerrltory.'
II. ElcluslOlllJ
Th~ endorsement docs nol npply:
A. To any dishonest, fraudulenl. criminal or malicious act,lIbel,slander, discrimination, or humiliation;
II. To bodily Injury 10, or slcknC&S, disease, or death of any person, or 10 Injury In or deatructlon of any tanslble
property,lncludlng the Ios.~ of use thereof;
C. To any claim for fallurc of performance of conlract by any lnaurer;
D. To nny claim based upon the Insureds failure 10 comply with any law concerning Workcu' Compclllallon, Unemployment
ID.\ucaoce, Social Security or Dlsabllky llenefilAj
E. To any claim based oron:
I) failure of slock, bond, or olher Inveslmenlto perform ns represented by an IlIIuredj
2) advice glvcn by al htlured to an cmployee to partlclpale or Dl~ 10 parllclpate In alock subscription plalll,
t'. To any claim which ruulls fromsn nellvity, act or 1lI111~llon of a third l'arly admlnl&lralor, a firm or pCllon,l~her Ihan
an cmployee of Ihe Imured, who administers the Imured's ellll'loyee benefilprogram
OL27 (112 91)
I'nge lur l
""'-'1
III. \\'hllls nnlnsured
A. If y"u IIr~ dcsigllnlcd inlhe IJcrlnrlllilllL~ ns:
I) An indivlduul, y"u nnd y"nr spouse ore Insured.'I, ~ulllnly wilh resl'ec1tolhe cundUL'lllf n ~u.~lne&.~ uf which yuu
lue lhe sule uwncr.
1) A parlnership ur juilll I'clllure, )'IIU nre anIrL~ured. Yuur mem~er~ yuur partnel6, nnd lhelr sl'ouses arc alsu
hLlured!, hut unly wilh respecllu lhe cunduct uf yuur ~uslne&.'l,
JI An orgalllr.allun uther thllll a parlnershlp or Jlllnl venture, yuu nre an IrLlured. Yuur execullve ufficer and dlrecturs
arc Insured." ~nt ullly wilh resl'eclllllhelr duties as yuur ulncers ur direclurs. Yuur Mllckholders arc 0150 Insured!,
hul ullly wilh resl,ect tu their In~lIity 05 sluckhulders.
II. Yuur empluyees aUlhuril~d lu oct in the admlnlslratlon uf yuur employee ~enefilllluglBms ore alsu hL~ureds.
Thlslnsuraoce dues lIut uPl,ly lu c1alnL~ arising uul of lhe conduct uf any pUltnenhlp or Julnl venlure of which the Insured
15 a I,artner ur mem~er and which 15 nut design 01 cd In this polley as a aamed Insured.
IV. I,hlllls of l!Uuronccl Ueducllble
A. The L1mll.l uf Insurallce shuwlI in this endorsement and lhe rules ~eluw fix the most we will pay regardle&5 of the number
of:
II Insuredsj
11 Claims made Ilr 'suits' ~roughtj IIr
31 l'cnlllL' or organll.allolL~ maklnll c1alllls or ~rlnglag 'suits.'
II. The Limit of InsulBnce shown In th~ Schedule 05 applicable 10 'each c1alm'ls Ihe mosl we will pay for 011 'damages' because
uf aoy one such c1alrn or 'sull' covered hereby.
C. The L1mll of l!Uurance shown In Ihe Schedule as 'aggregate'ls, subject 10" ., 'C provision res(ledlng 'each c1alm,'ls Ihe
m06t we wllIl'ay fur all damalles hereullder.
1>. We will deduct $1,000 from the 10101 amount uf allsum5 which lhe l..re4 will becume legally ohllgated to pay 00 account of
each claim alld we will pay for la;., only in excess of said amounl. InClpectl1'C of Ihe amount of any claIms, notice thereof
will be given by or on behalf Ilf the losured tu us or to any of our aUlkorlled agent!, in accordance wilh the terms of this
endonement. We may at our o(dun, Invesllgale such claim ur negotiale ur seule any claim, You agree, If WlI undertake 10
negotlale or seule any such c1ain~ 10 Julo us in such negotiation or senlemenlto the eldent of lhe amounlto be deducted as
I,rovided herein, or 10 reimburse us for such deductible alllount, If aad when W~ ra, _ daim.
V. AddlllonDI UennlllolU
When used In rderence lu lhi. en~lIrsement:
'employee bcnefillllogralll5' mealL' group life insnrance, group occident or health insurance, profit aharing plans, pension plans,
cmployee stock subscription plans, wurkmcn'. compcnsaliun insurance, unelll/lloyment eompelllatlon, social security, disability
bcncfits Insurance, eml,loyee travel, vacation, or savings plans, or any othcr 5 mllar employee benefits.
'admlnlslratlon'lIIeans
A. Olvlng coulL~ellu employec with rcspecllo Ihc employee bencfils prugroms,
II. Intcflllellngthc clIIl,loyee bencfits progranL\
C. The haadllng of records In ClMlnectlon with lhe ellll,loyce benefits programs, and
01.27 (112 9t)
Page 2 of 3
1>. ElTectlng enrnlhnenl,lermlnallun or cuncellulion of elllllloyees under lhe elllpluyee benentlllullrollls pruvlded yuu hove
oUlhorlzed 011 such acls,
'domoges' means only lIulSe domolles which ore puyable because of 0 claim tu which this endorsement oPI,lles,
'InJur)" meons Ihe Incurring of monelory Il''''~ ord/ur CllSls by Ihe In.~ured's eml,loyee resulllog from Improper 'odmlolslrotioo'
of the Insured's employee benenll'lllgrnm,
Vt. AddlUonul Coodltlons
A. Oulles In Ihe Event of Acl,l!rror or Omls.~lon
Upon the Insured becomlog owore of on oct, error or omission which may give rise to 0 'claim' under this endonement,
wrltteo ootlcc will be given by or on beholf of the Insuree!, In oeeordonce with 'Duties In the Event of Oecurrenee,
Claims or Suil' Condllion of COllOQ I.
B. Premium
The premium !loted In the Schedule Is 00 estlmoted premium ooly. Upon termination of each annuol period of this
endorsement you, on reques~ will furnish us a slatement of the lotol number of employees at the end of the period aod
Ihe corned premium will be compuled on the average of Ihe number of employeea at the beglonlng aod the end of such
period In aecordonce with Ihe rales set forth In Ihe Schedule. The earned premium thus computed, subject to tho Annual
MInimum Premium stoled In the Schedule, sholl be payable to us. The esllmaled Premium will be aediled against tho
earned premium developed for Ihe last onnuol period of this endorsement.
List or Employee Benont Program!
1.
%.
3.
4.
5.
6.
7.
8.
9,
10.
This endorsement changes the policy 10 which ills ottached and Is elTectlve on the dole Issued unless olherwlse stated.
m.2? (ll2 91)
Page 30f3
TillS ENVORSEMENT CIIANGES TilE l'OLlCV. I'I,EASI! REAl) IT CAREFULLV.
ASBESTOS EXCLUSION ENDOnSEMENT
Thla Insurance doel nol apply to:
1. 'Bodily Injury" or 'property damage' which Is allrlbuted to or Is alleged 10 hove been
caused by eXJlosure to mbestos or asbestos containing materials whlch ore manufactured,
lold, handled, maintained, repaired, removed, disposed of, lran.~pnrled, distributed or
hl.\talled by or on behalf of the Ill5ured or by others trading under his or Ita name: or
2. Aay loss, cos~ or expell5e which Is allrlbuted to or Is alleged to have been caused by
o health halJlrd related to nsbestos or nsbeslos contalalag materials including the
c1eaaup, repair, removal, conlalnmen~ Including encoll5ulatlon, or any other corrective
mellSures laken either voluntarily or at the direction of any governmental entity to
eliminate, reduce, controll monltorbor test for such heallh l1a7.ard because oC tbe exlslence
of asbestos within the lano and/or ulldlng which ore either owned, leased or otherwise
wilhln the core, custody or control of the Insured.
It Is agreed that the Company sholl hove no duly or obligation 10 defend or Investigate any
claim excluded by this endorsement.
This ~ndoraement changes lhe policy to which It Is allached and Is effective on the date
Issued unless otherwise slaled.
Effective Date oC thla I!ndorsemeot
This eodorsement Corms a part oC
POLICY NO.
ISSUBD TO
ISSUED DY
POLICY DATED
Date Issued
"
01.12 (NI1W 11 /H7)
(1;','1
'l'I11S ENUllRSI;m:NT CIIAN(iES l'IIE l'OLlCV. I'I,EASE REAl) IT CAREFULI.V.
EMI'LOYMENT.UELATED IlUACTICES EXCLUSION
This cndorsemcnlmodlfies Insornnce I,rovided under Ihe following:
COMMERCIAL GENl!RAL L1ADlUTV COVERAGE PART
I. The following exclusion la ndded 10 COVER-
AGE A (Sedlon I):
o. 'Bodily Injury" arising out of any:
2. The following exclusion Is added to COVER,
AGE B (Sedlon I):
(I) Rcfusalto cmploYi
(2) Tcrmlnatlen of cmployment;
(3) Coercion, dcmotlon, cvaluallon, rena.
algnmcn~ dlsclpllnc, defamallon,
haralSmcnl, humlllallon, discrimination
or other employmenl-relatcd practices,
pollclcs, acta or omissions; or
c, 'Peraonallnjury" arising oul of any:
(I) Refusal 10 employ;
(2) Termlnatloo of employmcnl;
(3) Coerclon, demotion, cvaluatlon, reas.
slgnment, dlsclpllne, defamation,
haralSmenl, humlllatlon, discrimination
or other employment-related pradlces,
policies, adl or omllSlonsj or
.
(4) Conscqucntlal 'bodily Injury" as a re-
aull of (t) Ihrough (3) abovc.
(4) Consequential 'pcraonallnjury" as a
result of (I) Ihrough (3) above,
This exclusion applies whelhcr the Insurcd
may be hcld liable as an employer or In any
othcr capacity and 10 any obligation 10 ahare
damagcs with or 10 rcpay somcone else who
musl pay damagCl because of the Injury.
1'701 t (0491)
lIMA SPECIAL IIImAUENING
COMMERCIAL GENERAL UAIIIU'I'V ENUOItSEMEN'I'
This endorsement modiOeslnsurance provided onder the folluwlng:
COMMERCiAl. m:NERAI; L1AIIII.I1'V COVt(RAlm !'AR1'
L1AIIILlTV FOR DAMAGE CAUSEU II\' .'IRE, EXI'WSION ANI) NMOKI~ COV.:RAlIF.
The last paragraph of the Exclusions Is changed tu read:
Exclusions c.lhroogh n, do nul npply to damuge by Iirei explosion: or Imoke or Imudge lelulllng fromlho luddon
and faulty operallon of a healing or cooking unltlhal had 8 smoke 1,1110 leading 10 8 chimney ur Iho oUllldo of Iho
building 10 premises renled lu you, A sel'arale limit of lruorance 81'plles lu Ihll cuverage as de&l1i1lCd In t.lMtl'S
OF INSURANCE (SEGflON III),
BROAUENEU COVERAlm HlR WA'rERCRA.'" \'OU 1)0 NO'!' UWN
The number of feel In exclU5lon g. (2) (a) Is Increased In Stlnslead of 26.
AUDITIONAL INSUREUS II\' CONTRACT, AllREEM.:NT, OR J'UMI'l'
I. WIlO IS AN INSUREI) (Section II) Is umended 10 Include as an Insured 8ny I,erson or IIIgnnlr.allun with whom you
agreed, bcCBU5e of a wrlllen conlract III agreemenl ur permll,ln provide lruurance IUch nlll afTulded under Ihl,
pullcy, but only wllh respect 10 your ul,ernlIUlL', 'yuur wurk' or facllltlel uwned or U5ed by you,
2, This provision doel nol apply unleM Ihe wrlllen cunlract, agreemenl IIII'ermlt hOl been fully eleculed ur
Issued prior 10 Ihe 'bodily InJury,' 'properly damage,' 'l,cuunallnJury,' ur 'ndverllslng Injury.'
3. This provision docs nol apply lu any persun III OIganllllllun whu II n vendur ul tho Insured for Productl L1a,
billty coverage. An AddltlunullllSured, Vendursl!ndlllsemenl II re1lulred 111I Ihls coverage.
4, This provision docs nolgranl mille cuverage Ihanls required by Ihe le,ms ul Ihe cunlrnct ngreemenl or permll,
aad Is subject 10 Ihe olher provlslullS of Ihls Imllcy.
SUI'I'LEMENTAR\' I'A VIII E NTli . COVERAm:S A ANI) 1\
ParagraplL,2 nnd 4 are amended lu read as fnllu\\1l:
2, Tho coat of bail bonll3 rOllulred becaulo ul IIcddellls III lIall1e law vlulllllon.\ 1IIIIIng uul ullho U5e nf any vehicle to
which Ihe 1I0dlly Injury Uublllly Coverllge 111'(llIes. We du nl~ have lu furnish Ihm bunll3.
4. All reasunahle expenseslncorrod by Ihe IrLlured 01 our requer.llo naalsl ullnlhe Invelllgnllun ur defense of tho c1nlm
ur 'sult,'lncludlng actunlluM ul earoln/lft up lu $2SlIa dny IlCcnuse uf lime lilT frolll wllrk.
NO'/lCE (n' OCCURRENCE
Where the Insured reJlurls allllfcurrencc IlIlhe (:III11II1II1Y which Inler Ilevclul'A IUln 8 IIRhllllY c1RIIIl, cnvered under Ihla
1'111. 1111 III 1141)2
1
Pagel of 2
(lOlIcy, failure 10 reporllhe uccorrence 10 Ihe Comlllmy as a lInblllly c1uhnln IIselr will nol be In vlulatlon IIf Condlllon 2
entllled 'Dulle51nlhe Evenl of Occorrence, Claim or Sull', 51nled In the COIllRlerclnl General L1nblllly Condlllons
(Section IV),
KNOWLEDGE (U" OCCURRENCI~
Tbe following 15 ndded 10 Parallrnph 2 of COMMl!RCIAL LIADlLlTY CONDITIONS (Sedlon IV):
c. Knowlcdge of an 'occurrence,' c1ohn, or '5011' by the agcnt, 5crvanl or clll(lloyec of any Insurcd will not In hself constl.
tUle knowledgc of Ihc hL~urcd unless nn IImccrllf thc Insured had received such nollce from the agenl, scrvant or
cmpluyee.
UNINTEN110NAL FAILUR~; TO UlSCLOSE IlAZARDS
The following 1.1 added to I'aragraph 6, RI!l'RESENTATIONS, of COMMERCIAL GENERAL LIABILITY CONDo
ITIONS (Section IV):
d. Your failure to disclose all hazards III prior 'occurrences' existing as of the Inception date of Ihe policy shall nol In Itself
prejudice the coverage olhcrwise afforded by this policy provided such failure 10 dl.lclose all hazards or prlor'occur.
rences' \s nollnlentlonal.
1'0 L 01110 04 92
Page 2 of2
COMMEI{CIAL INLAND MAIUNE ~OVEI{A(;E ItA In
UECLAI{A'I'IONS
PENNSYLVANIA MANUFACTURERS' ASSOOIATION INSURANOE COMPANY
POLICY NO, D:il9400-87-38-47-B
rnoOUcen'8 NAME
NAMED INsunED
I
TAM BYBTEMB, IMC.
1~.a BOUTH MOUNTAIN ROAD
DILLBBURO, PA 17019
-11--
I
L
-.J 1_
-.J
LOCATION or ALL PRtNISlS' SII PUIONATIOII or PRlIIISlI 1011.PULI
, INSURAIICB UNPBR TIII8 COHHBRCIAL 11I1.AIIP HARIIII COVIlIlOI "UT lPN,II1 OIlLY TO CaVUM" Ilia"" III THI8
PECLARATlOII.
COVERAGEI
LECTRONIC DATA PROCESSING (PIM405)
ONTRACTORS EQUIPKENT (PIK2052D)
UILDERS RISK/INSTALLATION (PIH34'O)
IRED EQUIPMENT (PIK4)
LIMITS OF
LlABILl1Y
SBB rORK
SBB rORK
SBB rORK
SBB rORK
.-oRMS ANI) ENI)()RSE~n:N'llll
slln nNDORSIlMUN'I' SCIIIlUlJl,Il
"'~~..'M..""._--"-",,
CI'UI (01 901
COMMERCIAL INLAND MARINE
COMMERCIAL INLAND MARINE CONDITIONS
The following condltloll.l apply In nddltion to the Common I'ollcy Condilloll.land al1llllcable Additional Con-
dltloll.lln Commercial Inland Marine Covernge Forms:
LOSS CONDITIONS
A. AIIANDONI\tENT
There can be no abandonment of nny propcrly 10
ns.
II. AI'I'RAISAL
If we and you disagree on the value of the prop-
erty or the amount of'loss,' either may make
written demand for an appraisal of the 'loss.' In
this even~ each party will select a competent and
Impartial appraISer. The two appraisers will select
an umpire. If they cannot agree, either may re-
quest that selection be made by a judl\e of a court
having jurisdiction. The appraIsers Will state sep-
arately the value of the property and amount of
'loss.' If they fall to agree, Ihey will submit their
dilTerence to the umpire. A decision agreed to by
any two will be blndmg. Ench party will:
I. Pay Its chosen appraiser; and
Z. near Ihe other expenses of the appraisal
and umpire equally,
If there Is an appraisal, we will still retain our right
10 deny Ihe claIm.
C. IlUTIES IN TilE EVENT OF LOSS
You Illnstsee that the following arc done in the
event of 'loss' 10 Covered Property:
I. NOllfy the police if a law mny haw been
broken.
Z. Give ns prompl nollce of Ihe 'loss.' In-
clude a description of Iho property In-
volved,
3. As soon as possible. give ns a descrlpllon
of how, when and where the 'Ios.~' oc-
curred.
4. Take all reasonable sleps 10 protectlho
Covered Property from further damage. If
feasible selthe damaged property aside
and In Ibe best possible order for exam-
Inallon. Also keep a recllld of your ex-
pc:ll.Ies, for cOll.llderatloDln the settlemeat
of the claim.
5. Make no stalemenl that will assume any
obll~allon or admit any liability, for any
'loss for which we may be liable, without
our consent.
6. Permll ns to Inspect the property and re.
cords proving 'loss.'
7, If requesled, rermlt ns 10 question you
under oalh, a such times as may be rea.
sonably required, about any matter relating
10 this Insurance or your claim, Including
your books and records. In such even~
your all.lwers must be signed.
8. Send ns a signed, sworn statement of
'loss' conlalnlng Ihe Information we re-
quest to settle Ihe claim. You mnst do this
within 60 da~ after our request. We will
supply you WIth the necessary forms.
9. Promptly send lIS any legal pap,ers or no-
tices received concerning the loss.'
.'j ,
10. Cooperale with II! In lhe Investigation or
seUlement of the claim.
D. INSURANCE UNDER 1WO OR MORE
COVERAGES
If two or more of this pollcy'a coverages apply to
the same 'loss,' we will not pay more Ihan the
actual amount of the 'loss.'
E. LOSS I'A YIlIENT
We will payor make good any 'loss' covered
under lhis Coverage Part wilhln 30 days aner:
I. We reach agreemenl with you;
Z. The entry uf nnnl judgment; or
3. The nllng of aa appraisal award.
We will nol be liable for any part of a '10M' thai
has been paid or made good by olhers.
F. orllER INSURANCE
If you hove olherln.~urance covering the 68me
'loss' ns the Insurance under this Coverage Part,
we will pay only the excess over what you should
have received fromlhe other Insurance. We will
pay the excess whelher you con collect on the
other insurance or nol.
('age t of2 0
Clltlllllll1ll9t
CUl'flil'hl, IltlUlooce Service~ !}mce, lne" 1991l
, ; , ~
~
(;. l'A1I1, sln'S Oil I'AII'I'S tmN~ltAL <':ONIlI'I'IONS
t. I'air or Set. In ca~e 01 'Ios.,' 10 uny llllll 01 u A. <':t)NC~AI,MI(NT, MISlml'lmSI(NTAl'lON
pair or ~el we may: lilt .'IIAUII
II, IIcl'l1ir or replace rny ~urllo re~lme lhe Thl~ <':overllge I'atll~ void In nny ca~c ollruud.
pulr or ~etlo It~ vlllue efllle Ihe 'Io""i or Inlentlonul concealment or misrepresentation 01
a material lacl, hy you or any other In.,uretl, al any
b. I'IIY Ihe dilferencc belween the value 01 lime, concerning:
lhe pair or act before and uner lhe 'h,..,: I. This <.:ovcroge Parli
2. l'orlA. In eose 01 '105.,' to any port or <':overed
I'roperty consisting 01 aeverolputls when 2. The Covered l'Ill11erlYi
complele, we will only pay lor Ihe vulue 01 the Your Inlereslln the Covered Property; or
lost or domaged port. J.
II. I'IUVILEGE TO AIlJUln' Wl'fIl OWNER 4. A claim under Ihls Coverage I'art.
In lite evenl 01 'loss'lnvolving property 01 olhers II. LEGAL ACTION AGAINST US
In your care, custody or control, we hove the right No one may Itrlng a legal odlon against us under
to:
Seule Ihe 'loss' willt the owner. 01 Ihe this Covenge Part unless:
I,
property. A receipt lor pOfi":ent Irom Ihe t. Tbere has been lull compliance wilh alllhe
owncra ollhal property wil aoll.ly any terms 01 this Coverage Parti and
claim 01 yours. The action Is brought wilhln 2 years aner
2.
2. Provide a delense lor legol ~locecdlnll'l you linot have knowledge 01 the 'loss.'
brought n~ulnsllcou. II ~roVl~ed. the ex-
pense 01 t.is de ense wil be at our cost C, NO IIENEFlT TO IIAILEE
and will nol reduce Ihe applicable Limit 01
Insurance un~er this Insurance, No person or I'rgonl7.allon, olher thon yo~ havlag
custody 01 Co,^-red Properly, will benelil rom
I. IIECOVERIES Ihls Insurance. ,
Anf recovery or salvuge oa a 'loss' will accrue II, l'OLlCY PEUOIl
entirely to our benelil unlillhe sum pal~ by us
hos been mode up. We cover 'IOSl~ commencing during Ihe polley
J. REINSTATEMENT OF LIMIT AI<TER LOSS period shown n Ihe Declarations.
E. VALUAll0N
The Limit 01 Insurance will nol be reduced by the
payment 01 any clolm, except lor lolal'lo..,' 01 0 The value 01 'll"operty will be Ihe leost ollhe Col.
.che~uled Item, In which eveol we will relun~ Ihe lowing amouils:
unearaed premium on that Item.
t. The aetuol cash value 01 thot propertYi
K. TRANSFER OF RIGHTS OF RECOVERV
AGAINST Ol'HEHS TO US 2. The cost 01 reasonably restorln~ Ihat
II any person or o1.onl1.ollon 10 or lor whom we ~"oJocrty 10 Its condlllon Imme ately be.
Oft -toss"; or
make paJ:enl un er Ihla Insurance haa rights 10
recover amages Irom another, Ihoso rl~hts arc 3. The eOliI 01 reSlaclng Ihol property wilh
translerred 10 us. That person or organ zatlon subslantlally I entlcat property.
must do evel)thlng necc5Sary 10 secure our rights
and must do nolhlng aner 'loss' to Impulr Ihem. In the evenl 01 '1~'lhe value or Ilroperty will
be determined a~ 0 Ihe lime 01 'loss.
I'ugc 2012
Copyrlllht,ln.mancc Scrviccs !lfficc, !nc., t99t1
CM tIt1 01 1091
o
CONTnACTons EQUII'MENT COVEnAGE
AliHEEMEN'J'
In relurn for your paymenlof lhe re1luired premium, \\'e provide Ihe Inland Marine coveruge described In tbls form durlngtbe
policy pcrlod subJcct to lhc:
1. Common I'ollcy Condillml'
2. COllllllcrclallnland Murine CondilloM
each hem tballs covcrcd musl be described below or on a schedule Ibatls a part of this form. ^ coverage amount m1l.\l be ahown
for cach hem. TMalathe moollhal we will pay for a 100110 thai hem. Tho moolthat we will pey for all covered property In the
cvcnl of one los., will be
Dcscrlbed lIem
001 FORKLIFT
002 BIICKHOE
003 FORK LIFT
004 POWER LIFT
005 POWER LIFT
006 BIICKHOE SlOB
TOTIIL
Serial
Number
52120
8925996
5235109
23250400
03-01-291
702833
Coverage Amount
$ 10.000
$ 9,000
$ 15.000
$ 30,000
$ 4.070
$ 70,000
$ 138.070
$
$
$
Manufacturer
CATERPILLAR
CME,
CIISE
JilL
OROVE
JORN DEERE
DEDUt"l'lBLE
We will not pay for 'loss'lo anyone occurrence ulIlllthe amount of adJ1l.\Ied 'Iou' beCore applylngtbe applicable Coverage
Amounts exceeds Ihe following Deductible. Wc willtheo pay tho amount of Ihe adJusled"loss'ln excelS of the Deductible, up
10 the applicable Cover ago Amounls.
The Deductible Is $ 250
COINSURANCE
You musI molnlaln a minimum coverage amount for each deacrlbed Item. Thla minimum coverage amounllatho Cull actual
cash value of the described hem. If Ihe ceverage amount atlhe time IIf Iou laleM Ihan tho minimum coverago amount, we will
pay only a part of 0 loss. Our I'arlof lhe loss will bc delermlned "y dividing Ihe cllveragc amllonl by Ihe minimum covellgc
amount. This perccntage will be uppllcd IlIlhe nnal adjusted 10M 10 determine Ihe amountlhat we will pay.
1'llOl'liRlY mVlmlw
Wc covcr only lhosc descrlhed lIellll for whlrh 0 cuverage amount Is ,hown. Ills 0 cundltloo thul otlhe lime this coverago la
eITecllve all described henu are In sound condlllon.
IIXTENSION O"COVI;JlAGE
We cover conlraclor's equipment al'lluired during lhe rullcy period fur 11/' tll 311 da)~ aner eodl lIemls acquired. You m1l.\l
provide us wilh a com/'lete deseril'llon of each II em wllhln Ihls 3(),day I,crlod and puy the addhlonall.rcmlum.
We cliver Ihese ileull for Ihelr nrtuIIII'lI,h vlllue. The um'lthlll we will (lilY fur 1111 ~uch hems will he the sll1aller of the fullowlngl
I. 25% III Ihe lolnl covelllge IIUII'III1I fur 1111 t1cwlhed hcm~; III _..___.~_..____
/'IM2052h (01 9(1)
I'uge I ul4
Coveruge for each Itelll ucqulrcd will end althe enrlieM of thc followinll:
I. when the newly acquired ilem is reporled to us,
1. Ihe end uf the reporllngperlod shown nbove.
J. the expirallon dale of this form.
We cover properly while It is leased, loaned or rented to ulherl.
I'ROPERTY EXCLUDED
We do nol covcr:
I. ,prollCrly Ihat is ootln sound condition when Ihls coverage II elTectlve.
1. 11Ioperly that Is walerborne. We do cover property that Is In \ra1l511 00 a regular ferry, IIghler or earnoal.
J. prollCrly that is underground, in calssoll5 or underwaler.
4. properly thai Is or will be a permanent part of a building or structure.
s. plans, blueprints, deslgll5 or speclOcatloll5.
6. self.propellcd vehicles that arc designed for highway use.
7. alrcran.
8. waleraaO.
9. tlrcs and tUbel mounled on vehicles. We do cover lires and lUbes mouoled on covcred vehicle&, if:
a. Ihe 1055 Is causcd by Ore, wlndslorm, then or vandalism.
b. the 1055 is causcd by a covered peril wblch also damages lhe vehicle.
PERILS COVERED
We cover direct phyalcallou to covercd property uoless lhe Iou il caused by a perlllhalls eleluded. Tho 1051 must be duo 10
an extcrnal cause.
I'ERILS EXCLUDED
We do not pay Cor a loss if one or more of Ihe Collowlng exclude~ perlla apply 10 the 1lJ.~" regardleu of other caUSCl or cwo..
Ihal con\rlbutn 10 or awavalo the Iou, whether luch caUln or elocllla act 10 produce tho 1011 before, allhe lamo limo... or
aRer the eacluded peril Wc do not pay Cor a 1055 lhal resulla from:
I. a dishonest or lIIegal act, alone or In collusion with another,by:
n. youi
b. othcrs who have an Interest In the propertYi
c. olhers to whom you enlrusllhe properlYi or
d. Ihe cmployces or agenla of a., b" nr e., whether or not they aro al work.
We do cover loss caused by dishonest acts by carrie II or olher ballees for hire.
1. m)'literious disappearance.
l'IM2ll52h (llt !Ill)
I'agc 2 of 4
....
,
3. . ailY cnu.,e wh,m the \lllly 1'lIllll Ihlll n Ills.' uceorred is IIn Inventury shllllnge.
4. dampness uf nlm05phere.
5. eidrcmes of tempernlure.
6. corrosion or rusl.
7. I,ining.
8. mcchanlcal breakdown or fallurc. If a fire or eXI,I05lon resullJ, we do cover the 101o.l caused by tbe firo or expl05lon.
9. electrical currenlJ, olher than Ihose caused by IIghtnlng,lhat damage an electrical apparatus or III wlrlog. If a fire or
explosion resullJ, we do cover the Iou caused by Ihe firc or explosion.
10. a proccss to repair, adJust, service or malnlaln Ihe covcrcd property. If n fire or explosion relullJ, we do cover tbe 101o.l caused
by the nre or eXI,I05lon.
II. the weight or a land when It cxceeds the designed Cilpaclly of a machine to \in or support the load from any p05ltloo.
12. wcar and tear to covered property.
13, grndual delerloratlon of covered property.
14. a faull or weakneM that is Intrinsic to the properly which causcs itlo break, 5poll, become defective or destroy IlIelf.
15. Insect or vermin damage to covered property.
16. delay, Iou of markct, loss of use, or business interruption.
17. obsolesce ace or depreciation of covered property.
18. war. ThI.I meaus:
a. declnred war, undeclared war, civil war,iusurrectlon, rebellion or revolution;
b. a warlike act by a mllltary force or by mllltary pmooneli
c. the destruction, sclzure or use of the property for a mllilary purp05el or
d. tho dlschargo of a nuclear weapon even If ills accidental.
19. civil authorily. This means:
n. a lelzure or deslructlon under quaranllne or customs regulatloMi
b. confucallon or deslruc\lon by order of a governmenl or public aUlhorilYi or
c. risks of contraband or illegal trnnsporlallon or trade.
20. nuclear baz.nrd. This means nuclear rencHon, nuclear radlallon ur radioactive contamlnatlonl
o. whelher conlrolled or uncontrolled; or
b. caused by, conlrlbuled to or aggravllled by a I,eril covered by this form. A Iou causcd by nuclear hauudwlll oot be
consider cd to be a loss cause by fire, explosion or smoke. If fire Is covered by this form, we do cover the loss caused by
a fire thai resulll from the nucleor hnzard.
We do not pay for such excluded loss even If thc loll owing contrlbotc to, aggrnvatc or cause the 1055: .
1. the nct or decision 010 person,group, orgnnllOtlun III governmenlal body. This Il\cludcs Ihe fallurc to act or decide.
I'IM2052h (Ill 9(1)
I'age 3 of 4
, "
2. n fault, dcfect or crror, negllgelltor 1I0t, In:
a. Illnnnlng. zoning, surveylllg, sillllg. grndlllg, cOlllllactlng.lnnd use, or develolllllent of property.
b. thc dealgn, bluellllnl, speclncallon, workmalllhlp, construction, renovation, remodeling or repair of property. This Includel
thc materials ncedcd to construL1. remodcl or repair the property.
c. maintenance of Ilroperly.
These apply whcthcr or notthc IlrOllerty Is covcred b~ this form.
3. a condition ofthc wealher.
4. Ihe collapse of a building or slructure.
TERRITORV WIIERE COVERAGE AI'PLlES
Coverage applies only whllc the properly Is In Ihc United States, Canada or Puerto Rico. This Includcs property that Is In transit
exceptio or Cram Alaska, HawaII or Puerto Rleo.
UEFINI110NS
I. The words you and your mcan thc pcrson, persons or organization named on thc declarations.
2. Ihe words we, us and our mcan thc company providing this Insuraoce.
3, Insurcd means you. WIlh respect to covered property Ihat is not used for buslncss, the word insured also meansl
a. your spousc;
b. your relatlvea If residents of your household;
c. persODB under the age of 211n your carc or thc care of your rcsldeot relatlvcs; or
d. your legal reprcsentatlve if you dlc while Insured by this form. (This persoo Is an lnsurcd only Cor tho covercd property.)
4, Business means a tradc, proCcsslon or occupation whether Cull or part time. This Includes:
a. the rental of property to others; aod
b. farrndng.
5. Dcscribcd premisea means Ihal part of the building and grounds which you occupy at the location Ihown.
Ci. TerlllS means thc condlllons, delioltlons, exclusions, IIrndtatlons aod provisions used in thll form.
7. Lou means accldcntalloss or damage.
l'IM2U52b (Ill 90)
1'080 4 of 4
llUlLnmtS' IUSK ANn INSTALLATION COVERAGE
AGlllml\mN'I'
COINSUItANt1~ CON'I'IlAC'I'
In return for your paymenl of the required premium, we 11Iovlde Ihc Inland Marine cuvcrage described In Ihls form duringthc
policy period lubJect to the:
I. Common I'ollcy Conditions
2. Commerclallnlalld Marine COlldillons
UESCRIIIE1.ll'Il0JECT
PREFABRICATED METAL BUILDING ERECTION IN SOUTH CENTRAL PA AREA
For cach locotlon or siluallon described below, tho eoverago amountlhown lithe mOltlhat 11'0 will pay for loaa.
Coverago Amount
S 300.000
I. For property at anyone construction premises.
2. For property In lransh.
J. For property 01 a temporary slorage location.
4. For all covered property In the event of a 101o.l.
5. 'Reporting the Compleled Value' Opllon Appllel
$
$
$
80.000
200.000
300.000
o ycl 0 no
I>EI>UCTIBLE
We will not pay for 'loss' In anyone occurrence unlil Ihe amount of adJusted 'los.\' before applylnglhe applicable Coverage Amounll
exceeds the followlog Deductible, We wllllhen I'ay the amount of the adJusled 'I06&'ln exce&s of Ihe Deductlblo, up 10 Ihe applicable
Coverage AmountJ,
The Deductible Is:
$
1.000
COINSURANCE
You must maintain a minimum covcroge a.llOunl, This minimum coverage alllllunt Is the full contract value oflhe described proJect.
If lhe coverage amount at Ihe lime of loss Is less Ihln the minimum coverage amount, we 11'11I pay only a part of a loaa. Our part of
Ihe loss will be del ermined by dividing the coverage &mount by the minimum coverage amount. Thll percentage will be applied 10
Ihe final adJ1l.\Ied loss to delermlne the amouotlhat we will pay.
This clause doel nol apply to property In transit or at a temporary storage location.
1'1l0l'ERTV COVEREIl
We cover the building under construction allhe described premises. We also cover all111alcrlals, supplies, equlpmeot,maehlnery and
nklures Ihat aro IIwned by you, or for which you lue legally lIable,that arc to be Inslalled by you or at your direction while Ihe
pllll'erty Is:
I. on Ihe described I'remiscs,
2. In transll.
J. 01 a tcmporary allllnge location,
We also cover scaffolding, cull,trul110n furnu and temporary slluctures but oaly while Ihey are on Iho delcrlbed premlsel.
Coveroge for Ihls properlY beghll whenlhe property Is 01 your risk which begins on or aner the effectlvc date of Ihll covcrage.
l'IMJ49l1 (lIl 911)
I'ogo lof6
" ,
This covcruge will cnd allhe eurlbt of Ihe fllllnwlng:
I. when the described proJecl is nbunduned wilh no inlentionto complete h.
2. once a hulldlng or r.tructure thut Is a purtor Ihe described l,roJect I~ occupied for hi Intended Ilurpose.
3. 311 duys aner cllIulructiononthe de!cribed prnjectls cOIIII,leted.
4. after your Interest In Ihe described proJerl end.,.
S. once Ihe described l,ruJect Is accel'lcd by Ihe owner or buyer.
6. once Iho described PIllJect is lensed or renled 10 others.
7. on the eXlllrallon date of the form.
LIMIT I>EDRIS REMOVAL COVERAGE
We cover Ibo COlt 10 removo lhe debris uf covcred properly caused by a eovered peril. 10 addhlon 10 covering Iho removal of Ibe
physical debrlJ call1ed by tho covered pcril, 11'0 will pay Ihe cost 10 olllract pollutanll from land or water aod remove, reature or re.
placc polluted land or waler If lhe relense, dlschorge, or dispersal of tho pollutonts Is caused by a eovcred peril thaI occurs during
the polley period.
We wliI not pay any expell.\es unless lhey arc reported 10 Wl wllhlo 180 doys aner the Iou to covered property.
Tbe mosllhal we wliI pay for debris removal expell.\e 01 eacb covered local ion Is 25 I'ereent of the covcrago amouot tbat appllea
to Ibat location, or $10,000, whichever Is lhe Icsser amount.
This extell.\ioo Is la addilioln 10 Ihe coverage amount shown.
Limits provided by this extell.\ioo of cover ago apply 10 a loss whlcb oceurs during the policy period. In no eve at sballllmlta of 10-
luraocc provided for under tbla extel1llon oC coverage apply to luhaequent or previous poilclel.
I'ROI'ERlY EXCLUDED
We do oel cover;
I. an existing building or structuro to whlcb an addition, alteration, Improvement or rellalr Is being made.
2. property stured al a permanent warehoWlo or storogo yard that you own, unless the property has bcco wlgoed to a lpeclfie
Job or project slto covcred by this form.
3. money. This moal1l currency, coins, baok noles, muney orders, lravelell checks, bullion and similar ltell1S.
4. lecurhlel. Thele aro aoy negotlablo or nonnegotiable ogreelllents In writing that have value. They loclude reveoue stampa
other stampa In current use, 10kel1l and tick ell.
S. accounts, billa, deeds or an evidence of debt.
6. a plan, blueprint, design or specllicalioll.
7. selC.propelled vehlclellhnt ore designed fur highway use.
8. alm.on.
9, watercran.
10. all animals, Including birds and lish.
II. lreca, grass, sod, shrubbery ur IlIonts,
l'IM341J1l(1l11J1l)
J'age 2 of 6
b. moehlnery, tools, equipment, ~uppHe5, or similar prol,erty thnl does nol he come II I'ermollelll I'lIrl of the demibed project.
This Includes eontrnclor's ellull'menland olher louis Ihllt belong lu a conlrllclor III n subcunlrnctlll hut does
nollnclude scarroills, Cllllllruclon fllrnl' Illleml'urllry structures.
13. penalties for:
a. nol completing the descrihed IlruJect.
b. failure 10 coml,lete Ihe described I'wJect on lime.
Co failure to coml,ly wilh the lelllu of II conlrncl.
I'ERILS COVERED
We cover direct physical Iou to covercd property unleu the 101o.l Is causer! by 0 peril that Is excluded. The 101o.l must be duo to an
external couse.
I'ERILS EXCLUDED
We do not pay for a 10M IC one or more of Ihe following excluded perils apply to the loss, regardless of other eausCl or evenla that
conlrlbuto 10 or aggravate the loss, whelher such causel or events oct to produce the Iou before, atlhe lamo lime as, or anor the
excluded peril. We do oot pay for a loss that results from:
I. a dishonest or Illegal act, alone or In collusion wllh onolher, by:
a. you;
b. othell who bave an interest in Ihe property;
Co othellto whom you entlll,1 the propert)'; or
d. the employe~ or agenls of a" b" or c. whelher or not they arc at work.
We do cover 101o.l caused by dishonest acts by carrie II or other balleel Cor blre.
2. Swlnding, irick, fraud or false pretense.
3. the acceptance of:
a. counlerfelt money or frndulenl post omce or express money orders; or
b. checks or promissory noles that arc nol paid upon presentallon.
4. mysterious disappearance.
S. any causo when the only proof that a loss occurred Is an Inventory shortage.
6. corr05lon or rust.
7. rot or mold.
8. dampness of atmosphere.
9. eXI,anslon or conlractlon due to a change In temperature.
10. rain, sleet, snow, Ice or freelJng to properly thai Is oUlsldo of a building. Wo dn cover 10M from Ihese perlllto propcrly In Iransll.
II. breakage of glass. We do cover glass breakage If Ills caused by fire; lightning; windstorm; hall; smoke; cxploslon; aircraft;
spacecran, self.propelled missiles and ob]ecls that fall from tbese lIell1S; vehicles, Including an accldenllo a transporting vehicle;
slrlke; riot; civil commollon; vandalism; thefl; allempted lhen; sprinkler leakage; Ilr collapse Ilf buildings.
12. mechanical or clectrlcal breakdnWll III lollurc, If a nre or exploslun resulls, we do cover thc Ins.~ caused by the fire or explosion,
I'IM3490 (01 90) I'age 3 016
( ;.
13. clectrical cUlIenl&, olher 1I1l1nlllllse "'llIsed hy lighlnlnl!, Ihlll dlllllllgu IIn elet'lril'lllllllllllrnlus III lis wiring.
rcsulta, wu do cover thc Il~"" caused hy Ihe n,e IIr e~llloslon.
,
If a nre III eXllllJ5lol1
14. clI,lh movclllenl. Thi5lncludcs:
II. CDrlhllunkc;
b. slnkholc;
c. lanlblldc IlIl11udnowj and
d. lhe r15lng, slnklog ur shinlnll uf Ihe eUrlh,
If a lire or explosion result&, we do cover Ihe luss caused by the nre or eXI,luslon. We do cuvcr Iou caused by carth hlovement
If Ihc property Is away frollllhe described premlsel.
15. vulcanle actlvlly. This meons lhe formation, erulltlon or erruslon of a volcano. II Includes asl~ cinders, dust, lava, &lcam and
olhcr products thol rcsult from volcanic activity. The formallon, cruptloll or crruslon of a vulcano II not an explosion.
If a nre or explosloo resulls, wc do cover the loss caused by the Iirc or explosion. We do cover loss caused by volcanic activity If
Ihc property II awoy from the descrihed premises.
16. waler. Thllmeans:
a. nood, surface water, wave&, tidal water ur the overnow of a body of walcr. Tills Includes spray that resulla fromlhcse,
whelher driven by wind or nul.
b. watcr tbat backs uplhroullh a sewer or drain.
Co waler below Ihe surface of the ground, This Includea water that excrla Ilreuure on or noWl, secps or Icab 1010 a bulldlog,
sidewalk, found allan or other structure or througb a door, window or other opening.
IC a Iirc or explosion resull&, wc do cover loss caused by the Iirc or explosion. Wc do cover lnu cnused by water If the property
Is away from the described premises.
17. boiler explosion. Thll mea,u all explosion or Imllloslon tbat occura Inside of a boiler. Connected III pes, nywheels, engloca and
otber machinery arc 0 part uf a boiler.
18. testing. If a lire or explosion resulta, we do cover the loss caused by lire or explosion.
19. seUllng, cracking, shrinking, expanding or bulging of a wall, ceiling, noor, roof, foundation, footing or pavemont.
20. tbc cost to make good or relllace Coulty or defective materials or workmanship.
21. a faul~ defect, deliclency, error or omission In a 1,lan, blueprint, dellgn or specllicatloll.
22. an ordinance or law tbal rcgulateslhe conslructlon, demollllon or repair of covered Ilroperty.
23. wear and tear to covered Ilroperly,
24. gradual delcrlorallon uf cuvered prnperly.
25. a fault or weakneM tholls Intrinsic lolhe plllperly which causelltlu break, 51'011, be como defcctlve or destroy haolC.
26. Insel1 or vermin domoge tll cuvercd l'lllllclty.
27. delay, loss uf market, Ios.\ of usc, ur buslnesslnlerrul~lolI,
28. obsolcscence or depreclallon uf CtIvcred I"operty,
29. war. This meOIUi:
l'IM34~1I (1I I ~1I)
1'lIgo 4 uf 6
~'---~._--'.-_._._--..- -
. ,
n. declared war, undeclored wor, civil wnr, Iruurreclion, rebellion or revolution;
b. a warlike act by a military personnel;
c. the dcslruction, seizure or use of Ihe properly for a military pUII'osei or
d. lhe discharge of n nuclear weapon even if It is accidental.
30. civil aUlhority. This means:
n. seizure or destruction undcr quaranllne or eustoll1S regulallonsi
b. confLlcatlon ur deslructlon by order of n governmenl or poblle aUlhorltYi or
c. risks of contraband or Illegal transportation or trade.
,
,
..
31. nuclear hazard. This means nuclear reaction, nuclear radiation or radioactive eontamlnatloni
a. whelher conlrolled or uncontrolled; or
b. caused by, contributed 10 or aggravated by a peril covered by this form. A loss caused by nuclear hazard will nol be
considered 10 be 0 105& caused hy nre, explosion or smoke. If nre Is covered by this form, we do cover the 1065 caused
by a file Ihat resulll fromlhe nuclear haZArd.
We do not pay for lueh excluded loss even if Ihe following contrlbule to, aggravalo or cause Ihe 1065:
I. Ihe act or decision of a person, group, organizallon or governmental body. This Includes the failure to act or decide.
Z. a fault, defect or error, negllgenl or 001, In:
a. planning, wolog, surveying, siting, grading, compacting, land use, or developmeot of property.
b. Ihe design, blueprinl, specification, workmanship, construcllon, renovation, remodeling or repair of property. This Includel
the materials oeeded to construct, remodel or repair Ihe property.
c. maloteoaocc of property.
These apply whether or ootlhe property Is covered by tbls form.
3. a coodltloo of the weather.
4. the collapse of a building or slructure.
TERRITORV WIIEIlE COVERAGE APPLIES
Coverage appllel only while the property Is In the United Slales, Canada or I'uerto Rico. This Includes property Ihalls 10 transit
exceptio or from Alaska, Uawall or I'uerto Rico.
VALUA110N
This replaces Ihe 'Valuallon' provision In the Commercial Jnland Morino Conditions. Tho valuo or tho property will be III actual
cash value 01 the time of 1061. This value lnclodes:
I. labor charges.
Z. trans(lortallon CO!II'
3. tho cosl uf Insurance.
4. taxes,
l'IM.\4~()(()1911)
J'age 5 of 6
, I
"....,.
..
IlEI'OItTlNIi TilE COMI'I.ETlm VAJ.lm
I. Ileplllts
If puge one Iudlcales 'yes,' thculhe follllwiullupplles:
Once the proJect Is completed Yllu must send us a Wlillcu replllt showiulllhe lolul comlllelcd value of the proJect. You must
rCl,ort Ihc 10101 compleled vulue, cl'en If II cxcccd., Ihc coverugc amount ,huwu. The rcpOlI does not change thc coveragc
umount.
2. I'remium AdJustment
The I'remlum shown Is an estlrllalc hused on the conlract value. Thc corned Ilremium will he detcrmined by multiplYing Ihe
completed valuc by Ihc ratc shown. If thc eurned prcmlum cxcceds the esllmated Ilrcmlum by moro tban S%,lhe addlllooal
premium will be due when the 11Iemlumls udJusted.
EXCESS COVERAGE
You may purchase excelS Insurance coveragc for Ihe described proJect. The excess Insurance coverage will not reduce the
coveragc amountlbown.
OCCUI'ANCY
Ooce the descrlhed project or one or more of lis buildings or slructures Is complcled, II most be occupied without our wrlllen consent.
1I0wever, machinery that Is part of Ihe described proJect may be sct up and operated for Ihe sole purpose of testing h.
DEnNI110NS
I. The words you and your meao the person, persolL~ or organllJltlon named on the declarations,
1. The words we, os aod our mcan the com puny providing tbls insurance.
3. Insured means you. With respect to covcred property that is not used for business, lhe word Insured also mcans;
a. your spouse;
b. your relatlvel if resldenlJ of your household:
Co persuns uodcr the agc of 211n your care or the caro of your resident rei olives: or
d. your legal rcpresenlatlves If you die while Insured by lhls Corm. (Tbls person ls an Insured only Cor Iho coverod property.)
4. D\lSlness means a \rode, profession or occupation whclher full or part llmc. This Includes:
a. tbe reotal of property to othcrs; and
b. farming
5. Described premises mcans that port of tho building and grounds you occupy atlhe Incatlon shown.
6. TelllU mean lhe conditions, del1nlllolL" exclu.,lolL" limitations and lllllvlslons used In Ihls form.
7. Coml,leted Value. This Is the actual valuc of a proJect when It Is compleled.
8. Conlract Valoe. This Is the cSllmaled tolal cosl of a proJcct before conslrucllun bcglllS.
9. Loss meallS uccldenlallo.\S or damugc.
10. I'ollutauls mealu any solid, liquid, gaseuus ur thermallrrllanls or contamlnanls, including smukc, vapor, sool, fumes, aelds
alkalis, chemicals and wasle. Wuste Includes materials tll be rccycled, recundltlolned ur reclalrlled.
l'IM34911 (UII)())
I'allc f> off>
IIIlum EQUIPMENT COVEltAGE
The coverAge Allluunl shuwn Is lhe 11I111\11111I1 we will (IllY fur n lus.1 IOI'IIll'etly cuvered by this endorsemenl.
Cover ago Amount
1. For cach leased ur hlrcd 11011I (auhJc~1Iullellu 2 and 3),
2. For allleascd III hired hCllls In the cvenl of n slnglc Iou (luhJcct to hem 3).
3. Fur allllenu leased or hired during Ihe policy term.
$
S
$
600.000
600.000
600.000
RUE ANI) PREMIUM
Cslllllated I'remlum
150.00
$
$
Annual Rato S _
Minimum I'remlum
100.00
Conlractors equlpmenl coverage Is extended al Collows:
I'ROI'ER1Y COVERED
We cover contractorl equipment that belongs to others which you lease or hire.
I. ReportJ
If required by us, you m1l.\laend us a wrlllen report showing the !otal annual 'Cost or IIIro' of all property covered by Ihls
endorsemcot. This rcport II due within 30 da)ll aner each aonlveUlry date or Ihe oxplratlon dato of Ihls coverage.
2. I'remlum AdJlIIlmeol
If the prcmlum you paid II Indicated al an eSllmato1theo the carned premium will be delerwlnod by multlclylo.lho annual
'Cost of IIlro' by the rale shown. The earned prem um thll excecda Iho oallmatod promlum Is duo Itlho I 11I0 tho promlum
Is adJ1l.\Ied. If Iho 10101 earned premium for each Iwclvo moolh period doea 001 exceed tho oaIImlted promJum, we will
reluro Ihe dllfereoce 10 you.
3. MInimum I'remlum
Thc minimum premlolllll 001 subJcct 10 a refund.
l'IM4(1l11J1l)
'ELECTRONIC nATA ItlmCESSING COVmtAGE
MiIlEEMEN'I'
In rei urn for your .'ayment of lhe required I,remlum, we provide Ihe Inlnnd Mnrlne coverage described In Ihls form durlnglhe
(,olley period subJeclto the:
I. Common I'ollcy Condilloll.l
2. COlllmerclallnland Marine Condhloll.l
COVEREIl 1'lllll'ER1'\'
Thll forllU protecU data processing equipment and compollents, dala and media, which you own, leRle, renl or eonlrol agalll.lt
any direct pbyalcall06S or damagc 10 It, unleSllIt II olherwilo limited or excluded under Perils Excluded.
I'ROI'ERlY EXCLUDEDI
Any I'roperty which you rent or leose to olherl when h'l away from your premises.
Any dala or media which can'l be replaced with olhers of the same kind or qua Illy.
Any supporting documentation such as accounts, bills, valuablc papers, records, deeds, manuscripts or other doeumcats ualeult
bas been convertcd to data media form and then only in that form.
COVERAGE AMOUNTS
Thc m~t wc will pay for a loss In anyone occurrencc Is thc applicable IImll shown below. Any amount paid will 001 reduce your
IImll for futurc loues.
lbe equipment b covered ror IIsI
o Replacement Cost
Equipment at FInd LocOUOIISI
Loe. No.
Addreu
Limit
100,000
001/001
1248 B MOUNTAIN RD, DILLSBURG, PA
S
$
$
Data & Medin al Fixed LoeaUoIISI
Loe. No.
001/001
Address
Limit
65,000
1248 B MOUNTAIN RD, DILLSBURG, PA
$
$
$
EXTIlA EXI'ENSE
Coverage may bc provided to pay lhe actual and nece5.lary extra expell.les you luslaln In continuing your business because
of dlrecll,hyaleall06S or damage to your equipment media or data. This damage musllake place while tbll agreemcnlls In
effect.
1'1 M411S (Ill 1)11)
I'age I of S
'" j
Hxlra exi,enscs ure any ol,crnllulI eXI'CIL'CS ynu Incur uver and nhuvc whntlt wuuld normally cl,,1 you tu conduct your operations
had nu domage occurred,
S
We \\'iIIpuy Ul'lllthl~ IImllnl nny onc lucnllun wherc yuur covercd ellull'menll~ localed,
Thesc experses will be paid flllm Ihe dole of the domnge for n~ Inng a~ II 5hould reasunably tnke lu repair or replace yuur
damaged dala, media ur cllvcrcd equll'menl. Yuu ugree tll resume your nurmaloperatloll\ n~ 5uun as IlllMlble. We will pay
Ihe amuunt you acluolly losc, bul uumure lImn the limit 5hoWII abuve.
'l'IlANSIT t.IM\'f
$ 5,000 We wllll'ny ul' to Ihlallmit fur nny equll'mcnl, dola or medln while In transit or al a temporary lucallon.
UEUUC'I'1I1LE
We will not pay for'loss'ln anyone occurrence unlll the amounl of the adJusled '105.\' before al'plying thc applicable Limits
of Insurancc exceeds Ihls Deducllhlc. Wc willlhen I,ay the amounl of thc adJusled 'loss'ln exceM of thc Deductible, up to thc
apl,lIcable Limit of Insurance.
The dcductlble Is
S
250
EXTENSIONS OF COVERAGE
NeWLY ACQUIRED eQUll'MI!NT . You may extend coveragc for oewly acquired equlpmcnt for up to 10% of Ihc highest
location limit, but no morc Ihan $50,000 for all such additional property. .
Insurance under tbls oddltlunal benelit for allllloperly will end when any of tbe followlnglirst occurs:
A. This form expires;
II. 60 da)1 after you acquire the properlY, or,
C. You reporl valuclto 0."
We will eharge you additional premium for values reported fromlhe dalc you acquire thc property. Bul, whea Ibla property Ia at
a temporary localioo or 10 transit, Itla luhJect to the Transit Limit.
NEW LOCATION COVERAGE. You may extend coverage glveo you under Covcragc Amounls to apply 10 any 0011' locatloo
you occupy otherlhan falll and exhibits. The mosl we will pay for these Ilenu otlhe new local Ion will be 10% of tho highest
loeollon limit. lIul no more Ihan S50,OOU 01 anyone location.
IllIurance uaderthls oddillonal benelit for all property will end when any of the following nrst occurs:
A. This forlll expires;
II. 60 days expire after you add a new loeallon, or;
C. You report values to Ill,
The premium may bc adJusled If Ihe rale at the new location Is dlITerent from the old. Bul, when moving Ihls properly, It Is
subject to Ihe Transit Limit.
ImMOVAL. Losses that resuh whcn you're forced to remove covered property from premises that arc endangered by a loss Is
cuvered under this agreement up to 0 limit or S5,OOIl. You must let us know In \\Tltlng wllhln ten da)1 ancr you move Ihe!o Items.
DEIIRIS ReMOVAL. The cost uf remuvlng dcbrls uf dnta, media and covered equlpmenlthal's deslroyed or damaged by a
loss Is cuvered under this agreement ul,lo a limit uf S5,OIl0.
I'EIULS COVE lUlU
We cuvcr dirccl ph)1lcallos., unles., the luss Is cno.led by n peril Ihat Is excluded, The Ios.\ musl hc due to an external cause.
l'IM4115 (OI911)
I'agc 2 or 5
I" '. I
_......-
-
AUIlITlllNAL CllVEI{,o\(jE . COI."^I'SE
Wc 11'11I pay for dlrecllOloS caused by ur result lug flllm risks of direcl physirallusslllvulving collal~'e uf all or Ilarlof a building or
slructurc cawed only by one or morc of the fullowlng:
A. Fire, lightning, wlndslollll, hnll, exploslun, smoke, nircran, vehicles, rlol, civil COllllllolion, vandallsll1, breakage of glas.'I, failing
ohJects, weight of snow, Ice ur slcet, waler dnmagc; all only as covered In Ihls coverage form.
U. IIldden decay;
C. IlIdden Insect or vermlll damage;
D. Weight of people or peRonal prol,erty;
E. ' Weight of rain that collects on a roof;
F. Use of defective material or melhods In construction, remodeling or renovation If tho collopso oceOll during the coOlIe oC
the construction, remodeling or renovallon.
Collapse does notlnclade sellllng, cracking, shrinkage, bulging or expansion.
This Additional Coverage will not Increase lhe Coverage Amount! provided In this Corm.
PERILS EXCLUDED
We will not pay for loss or damage cawed directly or Indirectly by any of the following. Such loss or damage II excluded regardleu
of any other cause or eventlhat contributes concurrently or In any sequeoce to Ihe loss.
I. Mechanical breakdown, Including rUI,lure or bursllng caused by cenlrlfugal force;
2. Faulty, Inadequate or defective:
a. I'IBoolng, zoning, development, ~Ulveylng, siting;
b. Design, speclncatlons, workmansb p, repair, conslructlon, renovation, remodeling, grading, compoctlooj
Co Materials used In repair, constructlOl~ renovation or remodeling; or
d. Malntcnance;
of part or all of aoy property on or 01T the described prcmlses; unleu lirc or explosion cnsuel and theo we will pay Cor that
'resulting loss or damage.
3. a. Wear and Icar; obsolescence or dellreclallon
b. Rust, corrosion, faogos, decay, deterlorallon, hidden or lalcnt defect or any quality In property Ihal causellt 10 damago
or deslroy Itself;
Co Smog;
d. Relense, discharge or dlsl'ersal of conlamlnanls or pollulantl;
c. Sellllng, cracking, shrinking or expansion;
r. Insccts, vermin, billL'I, rodenls ur othcr animals;
4. Ulshnnesl or criminal act hy you, any uf ynur partners, employces, directors, trustees, authorlzcd representallvca or anyone
10 whom you enlrust Ihe properly for any purpose;
n. Acting alone orin culllL,lnn with uthers; or
1'I~t<I(J5 (III ~ll)
I'age 3 of 5
b. Whether Ilr not Ill'CUllin!! durin!! Ihe hours Ilf em(lluymenl.
This exclusion dues noln(l(lly tu ucls uf deMructlun by yuur em(lluyeesj bUlthen by em(lloyees Is uut covered,
5. Vuluntary l!lullng wilh nny I'ro(lelly by yuu ur nnyune else 10 whom yuu have entru.,ted Ihe (lrll(lerty If Induced 10 do 10
hy any fruudulent schcme,lIlck, dcvice ur fnlsc prelensc.
6. Artlnclally genernted elel'lIlc currenl, Includlug elecllle nrclng, Ihat disturbs electrlcnl devices, a(lpllancel or wlrcs or
elctrlcal or mngnelle InJury,
Uutlf loss or damagc hy nre results, we 11'11I pay for Ihat resultlnglos.\ or damage,
7. Delay,loss uf use or luss uf mnrhl ur bu.,lnes.\ Inlerrul'llun.
II. War ond MlIIlary Action
a. War, Including undeclared ur civil warj
b. Warlike at1lon by a mllilary fllrce, Including action In hindering or defending ogalnsl on octual or expected attack, by
any governmenl, sovcrelgn ur other aUlhorlty using military personnel or olher agcnta; or
c. Insurrection, rebclllon, revulutlun, usurped power, or action taken by governmeolal oUlhorhy In hindering or defending
against any of Ihese,
9. Governmental Aclion
Seizure or deslrucllon uf (lroperty by order of governmenlal authority.
Out we 11'11I pay for acta of destruction ordercd by governmental outhorllY and takeo at the time of a Iirc to preventltJ spread,
If the lire would be covered under thll form,
10. Nuclearllaznrd
Nuclear reaction or radial Ion, ur radioactive contamination, however caused.
Uullf loss or damage by Iirc result, we \\'111 pay for Ihot rcsultlng loss or damage.
11. I'uwer Failure
The failure uf (lower ur other utility service suppllcd to the described premises, IlOwever toused, If the falluro occurs away
from the described l"emlses,
Uutlf loss ur damage by a Cuvered Peril resulls, we will pay for thai resulting loss or damage,
12. I'rocesslng operations, ur Ihat which occurl while covered property la being worked on.
Out If luss ur dAmAge by a Cuvered I'erll results, we 11'11I ray fur thAt resultlnglos.1 ur damage.
13. The fulluwlng CAu.,es uf h~'5 tu equll'menl, data ur media:
n. lJampneM ur drynes.1 uf 1I1mus(lherej
b. Changes Inur extremes uf tem(leralore; ur
r. Marring or malchlng,
14. I'rll(lerly thai Is missing, bUllhere Is no (lh)'Sleal evidence to show what happened 10 1t,Iuch allhorlogo dllclllled on laking
Invenlury.
15. 1'lII(lerly lhal hilS hccnlrnnsfClled to a I'ersollor 10 a 1,Iace outalde Iho described premlselon the basis of unauthorized
IIlSllul'lIuns,
1'11>1,1115 (lIIIJII)
Page 4 of S
-" '...
V AI.lJA'1l11N
The los., IllIlt will be pllld will he Ihc nl'lulIl cash value of the pllll'erly ntlhe lime of Ihe 10M or dllmnge. We will subtrnct fill
depreclallun on Ihe equlpmenl and willnol pay any mUlc Ihanll would cosllo replllr IIr rel,lace Ihe equlpmenl with similar
clJollllllenl.
or
If the hox 011 page I is checked, you may he pnld for Ihe rcpnlrlng or rcplncement CI15tof the dnmugcd properly wllhoUl
sulrtractlng for depredation.
I'llr dalo, we will pay the actunl cllstllf rel,roduclng the dota, If you replace or reproduce II. I'llr media, we wllll'ay lhe actual
coal of repairing or replacing Ihe lIIedla wllb material of the I8mo kind or quallly. If this media Is not replaced, 11'0 wlllpay Ihe
nctual cosh value of hlank media,
COINSUIlANCE
COINSUIlANCI! . AlIllenu thut ore covered hut notlndlvlduully IIs1ed and described mlLsl be hl,ured for Iheir lotal volue os
of the time of loss or you will Incur 0 penally.
The penally Is Ihat we will pay only the pl'Oportlon of any loss to these Items Ibattbe Coverage Amounl shown on Page 1 beall
to their lotal value as of the lime of loss.
IlEnNITIONS
I. Data I'roccsslog equlpmentmealls a network of machine components capahle of occeptlnglnformatlon, processing It
according to a plan and producing Ihe desired results.
2. Data means fads, concepts or instrucllons converled 10 0 form usable In data processing operations. This also Incllldel
progranu.
3. Media means materials on which dala are recorded, such os magoetle lopes, disk packs, paper tapes and cards.
4. Actual Calb Value means the cost to repolr or reploce equlpmentwilh similar equipment, bUI depreclotlon will be
subtracted 00 the equipment.
S. Replaeemeot Cost means the costin repulr or replace equlpmenl wilh similar equipment with no deduction for depreclatlon.
6. Loss means accldeotalloss or damage.
7. The words you and your mean Ihe person, persons or organization named on tbe declarallons.
8. The words we, us aod our mean the compony providing this Insurance.
9. 'Insured means YOlL Wilh respect 10 covered I'roperly Ihatls nol used for business, the word Insured also means:
a. your spouse;
1'lIge Sof S
b. your relatlvellf relldentl of your hnuseholdj
c. persons under the age of 211n your care or the care of your resldenl relatives; or
d. your legal representative If yoo die while Insured by this form. (This person Is an Insured only for the covered property.)
10. Uuslncss means a Irade, profes.,lon Ilr oecupallon whether full or part time. Tbls Includes:
u. the ren'al of properly to othersj nnd
b. farming.
II. Described prcmlses means Ihlltl'art of the building and grounds which you occupy ottbo location shown.
12. Ternu means the condlllorl'l, dcfinlllons, eKelusllllL'I, limitations and provisions used In lhls form.
13. Loss means accidental los., or dnmage.
l'IM41l5 (Ul 9U)
,).-
.. '-" .w
TRlS POLlCY CONTA1:"/5 IMPORTA.~ COVlIlAGE EXCLL'SIONS
THIS HELPS EXPLAIN YOUR POLlCY
PLEASE READ THIS NOTICE CAREFULLY
T1w pohcy ceOlaUII a PollUllol !..IclUlloo &lilt III ....'*10. !.Iehulol U ",.U U oUlar
UChIlIOU.
PMA bu 00 oUllt obll.aUOI or hlblllly to pay lUlU or perfo,. acu or IIlYle.. 11.II_
covua.. II uphClUy proVIded.
If llII Collllllltclll 0aItaI Liability OCCIUTIaCI COYVII' Po.... CO 0001. II .IIIUM
10 YOut policy. poUUllOI II uclu" by UCIUlIGa P.
A.bello. eovu'I' II uclu" by "'bellOI !.IclUl101 ....1"1 -, QL U. If J'UI pnYlOlII
polley cUd IIlIt eOIWII lAu UclUlIO" lAu IItVII U IIlIU" 10 yal IMI UIIt. II I rMllcUOl
II COVIlII"
If you bave laY qllllUO-. pi... cOlllel yaw II. broUr or PMA a."....IIU~
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COMMERCIAL
EXCESS LIABILITY
POLICY
Ill/I, 1'1'1'1
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926 Cllf>!llllllt Street, Phlladelphln, PA 19107
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nllll1\1 fJll\,Pllltlll'lIlal f'Illlly III 1'11111111 ,',' Il'dlln' 1'111111111 1I1""i
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11'11I11'11. Il'iHll1fl (II 1I1IH"I'oI';I' .....lhlll II" 1 liP rll'ihlflv 1111111111.,1
ulllu'III'tllwd
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:1 1j,""II',,'IIII:I.1111l'11 It lillll'l
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linn I" ill IV I I;limlll r.1I11 ,1'1 ,'.n 1I11"~ ;11'1'1' ,I II 'II' II \\1' 1'11"1 1",1' 11111
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1111'1'111;("\\1'1111:11I
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111';111,,,",, ,1\;UI:lb'" 1111111'11111" nl IIlI' "1'111 111'111
11 11111 111l1l1"1111l1V 11l111'1l'IlIII'1I1i'; \..Iu'" \\1' I, I I' 11'~I'IIIIIIIlII' /1111'111111
IIlln'i""""I' lI\illl,II,II' 111111" P 1~'IIlPllI .,1 HIt '"ll1hill,1111l1l Jlllllllq
1111'''''1 .11 l'f'IIII'IIII'III'1 II'll'IllI-ul"llllIllh'l ~ ,II 11111111 I n,t! I'~ II'
lUlU IIIMJCI 1111'1 "1'11111"1111,1" In 11,IUIl' IlId 'lUll'; Pl'IlI111111 .Illlul
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Ul',IIII'11 Il'i':IIIIlPO;I ""11"11,,.11111' 1111' ;111Illt, ,1+- !\IIH1lHIIIII 111'111;1111 I'
ih 11111"1' j': 11';".1111', \\,. \\'111 1"Ullllll!"I' II,. 'II' 'Hl't1ltU It' t. 111111,\,
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lIlI' 1"'~1Ill'1I11111' I\PIIl'WI ^\I11'1'1I,1h' 1.1Iwl 1111'; II'tlUl'l'tllUllil \..,lIlIlt'lI
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11'1Il1''''h'111'PI'",IIIlI1..hM.1I11
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11';ldllltl 1,1 .It,lntllluul. !III'Hlllf';IIlIt'111 In ,,1111'1" (\1"" 11..111. Ih..lkllfl
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lh'ilhU!lI'IIUI 111"1'1"';1'111111'1+ I".."
Ihl 1II1IIIlIlIflillll1:lll'II;III'.t lIulll'l' 11'1' pl'nl 11Il II" " I'," II
nll~ 111111' 1"1<;'"'0;';1''' 11,111111, ,I ,.,j IIII'I ''''... '1"" ,I
I. .lll~II(1I",.111I ,11'~jl' 1',1'11, ,II" " I "'Iull ..1 III'" II" I
'"
(II 1II1IIUII'\Ollallnllll~ 1111""1'".1\ J 1'11"11" iUI',I". l.till,lll,
hllllj,.IIIII!lII~ iltllll':lIlllll111 "'I I' ",; 1I1;lh'IIIII'; 1'1'1' ,.,
l'qIlIIlIlU'1I11II f IllIIll'llum VoII" ,\," 1,1.1111111111 I '1I1'lIu' 111'11
1lIOIIIIh'II'IIIII' 1'1'1'1,11111I1111 II",!" I UI~ 1Il11 h';III,11 IMt 1"11
II!'H/lItI,1nIilVI"II"'11ll'1I\\'IIIIItII!II"/lIIII',IHI:III"II'1 ^II'I'II
lil.II'lh'lfllllll"" II' JllI.,....r:"I"'1 "II ';'llad,1,lIl1'i "ll 11l'1l'1l
till" .11'1'111'0; nnl" 11I1'"'I""'j' "W'UI" III 'It'" !tll' I,. If
I,ll IMy llllll 'UI~ 11I1'1"'II,lIu'I."I
111I1\t1''''111I1i1111111 "nilI'! 1III'I'I"'~' d,lIll,llll' "'1' 1".1" .llIlnllll', "1'101,,, I'
II~t' 1'1II1111111I1Mhllllllll'"'I""h
'.1'110111\',
, ,
I
'H 111'1' ^
I" I'
"
,1,1,'to!
t II' ,. I ~ ".\1 , " tI '" , " I I .111 pI I" 1'" , . I"" " I I", "",",', I' I It It'l ,I..
, , I, d' I" ".1111""', 11"-'1"11'01 r' tll" II . "I "I, . II" I,' III \',It" II
I, ,I I, '''I'!'\ Illhlll" ''1\''1 'ii" 1'1" "II II" lI'I'Io-"lllIlj 111'.1",1111"
'1'1,1""
,I It,.., 11',1 pi 1'lIl1d 1111"11'.1'\1' .11., ""'''111', 1"1111111\' 1111 IInllll
I"" ""I.. \'I,III111IlIl' ^Illll11l11111 hl',"IIII<,' ,1,1-1.11.1>,
III." "wIHI' 1"P""';I''I 111111I11'111,\ 1111' II" 1111'.101111111 "'II'Ip.lln
d' ".' 111'\ III ",'llIhl"lhIHhlltl III dll"ll' ,. ..1111.. I 111'''111 'dill fill h,"1
'''I 1"1t 111'1' '; 1l11';IIIIIHU', 1111"1'" 11"1 I 111,1'1" ,111 ""llullI'nltlll'''l
I
11111"'.1111111',11111'111'1111',11'1111" Il't
" 1..".tI,. ll'n lIu' lull 11111"11111111 111', III00q''',,"1 11,.11.\1 11I11"llh', 1'1111\
..'II,.. j'l",,"11'1I1 ,U!lIIIo.tl"I' \'," 111,,'1' 1,,1 ,,1I""'d I"p I~ fl'lk,-"';11
, " HI' "llIllhl' ,1111'"1111 ,11,tlI.II,I" I,,, II..' ,,,,1,1111"1,11111,,,,, "I" I"""
',", ,I ';1 "IIf 11111 111.tI1!1 "I 1I1':IIII^I/'1
I, I't,. l'I'hplfI"lllIlll'Il",1 ;1\'.:11111',1 :1111111"'11" 111',1111';1 1"'111:1111;111 III
It "j'II,,""'1I1 \\I'jl.1y II \\t' IIq\1' ,llll,lI 'II" 1';1~ UIP :1I'1,llI'"ltln 11111I1
"I "".' I' .lIl1 ",'1.1 \~ III 1'1'1 11,1.,. .1I1~' I"" /' I' III' tll'I" II.'" 11":1 II 1'~lllI I'll
Itl" 1','lUIlI 01 IHI'" itlll'I 11111011"1
11, I, '1'1' "'P''ll'-'''' 1101'<; 1l1l11111 11l'i1'
, ,~.. II""; ,1I1,11''1li'II''I''i "' PilI 1'1I11,1, I"" .lI III" Ill' wl'll,: "IIlI'I'IV
dll"III'.HI
III lit II l'llll,pl1 ..I "111 ""11110'1"" 1'1<"10"\" """, .11.1111"1 '11I'1
, '1"'11'.1"; .1111'1 .,ll'd Itl ;I'''''' lilt 11 III" "I "11'1 :11111
1,'1 lit" "'1'1'11"'1111" 1 IIhp,1 ill P II,,,,'
I, II ,,- 1'J.I"""'Il';"" d1lldl'l"'IIII"1>1 \"1'" h. .....1,,11'
'",'It,III""'1
..11,III,t",,!,
1.ll"l,j"I"
,,!I
"I. "I
'''''''.1111111,',"1'''11'1''''
. .,,,,, 1.1I'"h f., I ,,11'1
'"11111""" I Kn lIG1nll
I )!;CI1J'iltJtI lfhll:td 1'1It1ll1
rllln I .11 1I/111UV II^"IIII Y
^',u"'11 tl11IU'1 1"1111".11111
, II.II:lIIIIUI" 1111'1'1'1111"1 111,11111"1.1.1", I, It
I'lltJl'I,
'"11 "',1111I;111'11:11' 1Ill',Ill'; ""1111'1111"'11 ,I ''''11.111111111',11 11111,'1111
ill IIYI'" U111I I 1I\.1II'II;t'
'1IIIIIn'lIt.1ll'lIill" "111'11:\1 "wh',1I I" "~I 1111 1111,1
'lIith"litl'" II,hl' t1IJ1II1l':UlllUI'; 111.I'lllh, l'l '" I'", MWIIl'
lit 11j~,' I" III ;111)' I;IW 11111('11"1"'1) 1111'1' ,.1
~11I'1I1 111I'1" 11II';ttl!! Ilt'~ It'I'1 l'II'lItI"III' !." 'I 11111I1111111"11 '"1111,,,
1ltlllhl. \\huh hnt; 1'1"'1111';"11 n. 1"1"1""1 I , I",klllllll III ;1 111111"1'
"',lllnl
w;II,III" 1111'.111" .1Il) ~\;1'.1t. 111.111'1/.111 PII' '1"'"II'y 1"'11111' 1111111"111
.1t1d 1I',,"lIlItll 1tl11111"" "11"1 IIltlll IIV .111\ I' "'"1 II' ""1"11I...111,,"..1
1I11y 11I/1'111:11 l;ll'1hly 1I11'11111,'d \',1111111 III,' tI, '""It,IIl!l1 '11111 I" II I" III
ly"ItIllltll l'il'f1l1lnphllj 'II ,:llllu"I"11
IlIldl,,'II;1llhl,'''II11',1l1''
III 1l1l)'lllllll'itlll'illlrll
1;11 1I1l\" l'qUiplIlI'''1 III "1'\11 .. dl""L1no"I 'I1'tllll! I,ll "'1' I! 11"'11
1I1111<;H'(tI'I'~\ 1lllll,ltlilHIl PI pllll111ltltl'I 'hi pHil I";':I"q 1" lI,d"
1Il1l'qll'nl hll.1 1II11'lh.-llllltlllll 1'1"" ""111111:'1 ~lllll ,',1'1"
PI .111)' 1"IIIII'IIl"IlII'IIII'..I'l' W.PIII!" 'I, 1"III''''.',llIq, 'lhll' 11'1"1
III ,,110\'11111"1 "1'1'1111 IHtIIr',ll lilli" < ,I II al nlly lUll" lit.. II,' II
alllUlIllI till;1H It '";lll'n II III lIu' . 11 t. "I "lillI' 111'.1111'11 011111"
IIlI'llll' '''I \'lh..", 'al' 111"111'1"111'111 "I ,1".11 I' ".1111 .111'11. I'll' I I
t,llIl 10lll.1!lI'i 11I1111' III III :'1, lILlIll '.lllllIlnIlHIIIl P' lit 11l"1111
...n III ,IIlV tlllllhlll;III'ltlllll'll'Il' .d ""''''111;111 ;".11 111,1111' "t
'111\1""111;1;11)
HI .IIIY '.11111 hllll, h.I',11l "It 1...llInll I" II....... nl 1,1.1' P l-lo'I'III'"
1I111'iI'III1l11lu' ';lnr,UII' HI 1Il"1'''' ,II "I . ,. It.
:lIIlll11rltttll"llhllli1h' 1111 '0'.1110 It ,"It nlll, . ''''Qtllllll ... 1"'II"d 111
"lll'lnluUl't !'tlwllll ll'd lit! '1/111 "11,1 ;lIld ,111'1"111I':1"'"''''11''1 ."t'"
l'I'I'llIhllll';,
. nil' "'.11 1t1,11 1111' HII' Ill'; ;111\ .11'1'11.'''' I 1'111"11111 11.",11<1 ',11
1,1111 11111'11',11 11';';11111111.1',1'11 '.III'pl'lllll1l' I. "'I II' I' Ih1l' III III I ,'tit I,"
1I111h, ill III jl;>lnlll':',UIII.,II'I' 111;11"11'11
l'l11'IlII"j.I"""I"II'
III' ,,1.'111 Inl'lIl',
':,'tlll"" p.., 11,1 Ilt'IHy tIIl1 II \' I'll" ,. ','I" 4111"'1111.111 )'"11 l'lIlllltl)\lll"
",.I"'''I''''lv 11:1111.111".1111 ,I" 101"111 11l.lqd'lllllllllhllllllll'il'III'I"l;lt
1.,t"'P'I',qtl'III',llh';I.llllnll, 1111" "lit' 11"11.'1,11 h:IIII,I,,11 IIlh!lltl'II..,
",'0111'1"1"'" "llll'IM)' IlllllI\-ltll!l1j1 l'llll,Ii'\"I"; .l1l"in"l1l1l111;lIllluI
till" .'111",. 1111111'11 "mI'III~IIl"IIIII)' \"11 Ihll .11'1 ill,' III 1lI l!t',",l""
',II', III _III' I", Ih,1 I'llthl)' "'III')' I'd
,',dli I.., I"'t 1111 1I1ll'II'U", I'llII111Ulld,II,\, lilt' 1'1'.1111"1 ""illIl111l11t1
I"" """IIIlIIIl~ III 11dll"III".illlI1lIp"\ Ill' It, Illllllll\' 1:1I",I.IUlI'd 11\' ""V
"II.' I" I' "liP' "ltJ.\lII/,"I""
h~ 1'1 "dor' ,
l'U'llh J"I
I'" I~"'I" "!'111'1 1111'111" .111) ""', II.. 111I,,1 '1111'1111;111 III .1QQlll!llhl
1111111 It I,ll' '11111' It I n,I\' Ittldf'llvI1I111I"I!l;1Il1 ". 1.'11.",11"';'1111 \\111'111/'1
"I,III"I"'I'I',II"II','IIII,1lI '!lI'II"IIIII' Illll,t '1ll1l1P Il'ld".I~llItll','hq'"
11111..1"1111'11',111.11111' 11U',m~ 1I11'hll"llt11tl,ltI;I'lt ,.I......tlqlll'.ll\itl
1'.1'"1,1." 1"111' ll"l ',IU"llIlIllIlI' 111'1111,1"""', 1"'"11' 1111111'; ,\lIlIIIl'IUlIl,
lIull' 110-.1 II tll! I1I1Ip,! ilIlV IIPIIlII"" 1'-"fI".1 III 11'1,1 ",,111""1' pnllll'''l
.tlllltollll," 11'11111111111'; tll' 11I;1Ill''' lit "1'1"\1'1,'
I t\1 I,' ,'.ltI", '. 1111"1",111 l hUIII'
I, II'," 11111' ".I.',IIt1'. III'HII"II ;Iq 1111" ", 1'1,1 ;1'\ Ill..dllu'" 1,\ III'nl"ill
1"'11' 'Ill II ".<I',II'II'l III it'! :lqu','" h I', II'. III '.~'1hll'l
" 1III,I.,tl\111I11I1',1111'1' IIWIII'I an, UI'.'ll,'1 1\1"'1' ".11", :11'"lu VIII 11I11h'.
hlll'l'" tlt,IIl' I"
II" 1,.,1\ 1'l'II" 011' \ 1111',111'\ illl' ,j" ~ l'It' I 1'1111 1I11t1, '11\ lilt I III' '11.111111 .
lit. I 01'1 """<;IIIII;II'I'!\
,\ 1''1 f"l "ll.ll.Ihllll~'t'Il"I'IIIJ" IfllIlPl'l "I 11.1111.1'1"
!11 '1111'1"1'1"1111 \'_hl.1l 11I11111'1'.11'11,1'" 1111'. IHI" .'1'\ ,11"11 ,lit
II>' 'I"'t! lI"dl'l 11111I h'd' l'III"l!) I, 1"'1,1\ 1,,,11' ) I',' 11"1111\ tllI'l,l
., 1"," 11""''''111111 CllMI'^,lY h"'I' 11I1'''''' Ihl'l I'"IIrV ,,, tlllUlIlI1111I!lV IIn !'11'!lUh'lIlllIlI VU:III'llt'lI""ltl ,1I11t BI'I'Il'IIIIY "I
l'IIIII""lplll:1 I'^
r"
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\ '~~jJ' _, ~.-'b._l--:: __ n._
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7(jif!tA,,. A I ( ,(IX~r
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11'1 !1,"I,1
06/07/9"
00-,0
.-.
fl..
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RENEWAL ur
L~9JllO-87-J8-47-B
l' 'I I' 'i /\
t'mlMLllCIAI llMIIIlEI.I.A POLle\'
DECLA IlA TIONS
ITEM I. NAMf;11 tNSUfUdl ANIJ I', (I, AllIlkhSS
I Nil. Slrrrl. TII\\'II. 1"'11111)'. Slnld
POLIC\' NO,
659~00'87-)B-~7-8
1'ltllIlUCl\RI
TAM SYSTEMS, INC.
12~B SOUTH MOUNTAIN ROAD
DILLSBURG
PA 17019
ADDITIONAL NAMED INSUREIlS:
Till! NAMEIl INSUIWIl IS I X I 1'll1ll'ORATlON I I "ARTNI!RSIIII' I ) INIlI\'IIIUAL I I OTIII!R
IIUSINI,SS Ill' TIII~ NAMEIl INSLlREI> IS: BLDG CONTRACTOR
ITEM 1. I'OLlC\' I'ERIOD: FROM 06/01/9~ To: 06/01/95
'101 ^ M ""'''Nil 11~lr ^1 1111 ^III1N'" III lilt N^MEIIINIIINII' ^' 51^HIIIlINl'IN
IIEM .1. OCCLl RllENCE l.1 M IT: S 1,000,000.
ITEM 4. OENI!RAL AllllRFllATE LIMIT: S 1,000,000.
ITEM ~. I'ROIlUCTS/COMl'l.I!l1!1l OPERATIONS AOORHOATl!t S 1,000,000,
IThM h, SELHNSLlllEll REn'NTION: $ 10,000.
III'M 7, I'RhMILlM: FLAT CHARGE - NOT SUBJECT TO AUDIT
hlllllllll,.II'II'IlIIUIlI 1'(1)'111111' III Adl'lIl1n' S ~, 10).
Allllllal MIIIIIIIIIIll l'rt'llIll1ll1
s
~, 10).
1,026.
Entllcll Ptelllllllll nl IlIl'epllllll $
IIH...l H, IllIIW~IlIIIl' "<\SI II:AR Nil INSlIRl'R liAS l'ANl'L1.1 EI) ANI' SIMILAR INSIIIlANt'l' ISSLII',II
III IIII-, NAMIiJ It~SlIllI'lI, NIIR IIH:L1NIJI III ISSLlI, suell INSLJRANt'I', LlNII,SS ollll,llWISI',
SIA'II'IlIlIRI'IN:
III,M IJ, su, AIIActll'l) HIIIlIRSI:MINI SI'IIL1IULI: Hill I:NIIIIIlSI:MI:NTS MAllh "Alii III' IIIIS
l'ol.lc\' A I T1MI: 01- ISSlJL,
O~IUlNI\I
t'JI~'\ I All' 'of "\ d 1'111
1'.., I, ,j ~
('JIII..t, ,11,111) Numbl.'l
omJ 1\'111,,1
'"
THE PMA GROUP
219300-8718~78
11/01/93 TO 11/01/9~
WI
In
TltE PMA GROUP
829~00-8738~78
06/01/94 TO 06/01/95
1111 TilE PMA GROUP
159~00-8738478
06/01/9~ TO 06/01/95
III
!'l! "1, t '\I' q't' ., '.,';
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,
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,
J\/~ /\ i\ ,j r, ,,,;1;'
IIEl '\,A !tATI ONS (CONTI Nl lEIlI
SI'IIEUI'LE A
SCIIEIl! 'LE OF UNDERLYING INS1IRANCli
h,,,- .,11'..1111
~lllhl.lI,1 \\..,ll'I"
t "11I1','1\',111"\1 ^ IIlII'It'~CI"
Il;lhllll,
",'IUllIJr) ClllIIl'l:lllllhlll
(i1l11l'llll l.ubUII}
hlrluJlll1
IX I ('I'IIU;I(III,II
I X I ""IJUCI\
t X I ('1111l1'1~'1~J III'CIUllilll\
I X I 111.""'11.11,\ AJurtl\l\hll' IlljUI)
I X I t 'l'I,"i"II. ('1'll.al'~" 6. UII~':II'hl'lIIJ
,u",tIl,,~th' l.1.!hllll}
1'.'1"" ",
81 II,' ^(lhJwl'
UI b) 11i~C:Jle:
hi b)' PilClSt.e
hi bJ Atchlclll' ,
hi b, lJi'uJI:~ ,
81 II, Oi'''''\t! ,
111Ilill,11.I,lhllll)
1'411 1"" '1"'1'1"'1.'1"
1101111111'
, 100,0001'01\11 IHhltlll
, '00,000 ".Ilh Cllll'''')\'\:
I 500,000 I"II,} 1111,11
P;lU 1 "..-I'IIII'II')l.:'r\'
1,I..hllil,
Lldllltchknl
...ull tllll'h',h'..,
1",IIt') limit
(jcll",.1 ^",'Itrilll.: lUll,,', 111.!1l P"..hlfl'
(t1Illrl'Icll {J1'l:f,IIII11I'" 3 . 000 I 000
r'l"luw alld ('1''"1'1\'1''11
UI'tUlh1tl' "1'Ifl:l':\II' 1 ,000,000
11~"'lllloll '" ^lh'l:llhilll'
hlIIU) 1,IUlll ,
fath Onllrt>:lIt" t 111111 ,
1,000,000
1 ,000,000
U,,,U1~ hllllt) t 1,111111\
, 1.',.dl,IHI-h-1l1
111111'\.'11, U,IIlI,II" 11,11'11111
''.,111 iHlhh-lll
('1'1111111..,,1 ~llld,' llllll! III .11..1 JllJ
1 t 000 I 000 ,'.nll IIHhk1l1
1'11.'111
,,-.
fl."
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;. \ - /, . I i1'li
I~N\lOltSI\MIiNT SClllilUJLI~
ITI!M #9
I'OLl(,\' NO. 659400-8138478
Endurscmcnt
Numbl'r
Ucscrlpllull
12/92-PENNSYLVANIA NOTICE
12/92-BROAD FORM PROPERTY DAMAGE EXCLUSION
12/92-CONTRACTUAL LIABILITY-FOLLOWING FORM EXCL.USION END.
01/92-PENNSYLVANIA CHANGES - CANCELLATION & NON-RENEWAL
12/92-PENNSYLVANIA ASBESTOS EXCLUSION
12/92-COMMERCIAL UMBRELLA COVERAGE FORM
IL0910
LIS
Ll6B
L91
L99
UM0002
1'11111',1" 'I" "1'1'
1..ltMt
.-.
fl."
COI\II\H:nCI,\1. Ul\lnnELLA CO\'EUAGE FORM
\'lIrlllm 1'1Il1'ISIIIm 111 1111\ 1',,111) "11,1 III,,'rlll:l' 1111111 1('\1111'1 ""I'l'III~", Ill'lI,l IIll' l'IIII1I' 1'"11..)' ..1111'11111)' h'
1I11l'llIIlIIe rI~hll. ,llIlIl'l nll,l willi' 1\ l'l,.".It'tI 1111,1 II 11,'1 l'l1\'ell"1.
Thlllll~hllllt 11111 11I.II..y IIIl' II 1'1,1' ',\"'"" 1I11t1 ")"'111" Il'Il'r h' Ih,' Nllllle,l 111111I",1 Ih"WII III lite III"1:11 III hlll\, Th,'
"llltl" """," "11"''' nlld "1It1f" l\'Itl Itl IIIl ('111111':111)' I'IU\'hllll~ 1111\ IIIMItIlIll'l',
I h.. '\t'ltI "1II\1I1l"'" II II'U "', UIII 1'.'1'''11 "' "Ipllll/nllllll 1\1I11111)'11I~ 11\ IIlIh IIl1,kl SH"IIClN II \\'l1l1 IS AN
INSlJlll'.1l It'l l"""III~l' II 1111,1 1111) 1"'151'" l\"ulllYIII~ III IUI'It ulllkl "1I1"kIIYIII~ I 11\11I II ml'" lill ('II\,'rll~l' A,
Ollll'l wm,ll IIll1t phrllsl'l 1111I1 "1'l'e:1I III IIUllllllill1l l11arks huve SI'el'llIl lIIelllllll~, R"'er h' IIIl' IlI'.l'lNITIlJNS
Icdlllll III Ihe plllle)' .Iaekel.
111 ....111111<:111111111 III Ihe pll)'IIIl'1I1 III prellllulII 11111\ ill rellallce ul"'" Ihe slllll'lIIellls III 1111' Ikdnrnltlllll 1I11t1
IlIhjl'c1 III the LiIlIlI III L1l1hl I II)'. I:xcluslolls. ClllltllllollS. nllll Illhcr lerllll III this I'IIl1c)'. We 1I~1l'I' wllh
lite N'lIlIe,l IlIsured tll prlll'lIll' I'll\'erll~e liS '11111111'1:
I. INSURING AGREEMENTS
COVERAGE A Ihlllllll'llIl'+IIrlll I.'l1l'ern~el
W,, will pll)' lholc IUIIIS. III exccss III Ihc nllloulIl pn)'nhle IIl1der Ihe lclfllS 01 nil)' "\11l1t.rl)'III~ IlIsIIIIIII..e."
Ihlll Ih. IIISlIreil hcrllllll" le~lIl1)' I1hllpnlcil 111 po)' os i1011111pes herausc of "IIIJur)'" 111 whlrlt Ihll 11I11Ir-
II II l'l' "I'Plies. prlll'ittetl Iltlll lhc "'lIl1lrll)'IIIP I11ll11nllre" aim al'plles. I1r \l'lIuhl nl'pl)' hul Illr IIIl' eXhllllslll1ll
h)' tlte lull nllll clllllplele l'u)'lIIl'lI1 III lis "1'l'lIrllhle IImlls Ilf IUSlllnllec. All thl' prl1\'lsllIIlS \ll1I1t'r Ihe
"\IIlIlcrl)'m~ I 11511I II IICC" nl'l'l)' \lllIler 11115 C11\'elll~e except ns I'rl1vllleil III lite lerms nlllt CI1I11 II II 11115 III IIl1s
1".lIc)'.
COVERAGE II IlJlllhrdhl I.'lll'crll~el
A, We 11'11I pa)' lhl1se SUIII\ lhlll lite IlIsurml hecnlllcs Icpall)' ohllgnte,l III pa)' as dnmo~es, III eXl'l'SS
III tlte "selHllsure,1 rclellllllll" stnll'll III lite Declarallllll. because Ilf "IIIJur)'" III whlclt Ihls 111511I-
IIl1l'e applies. This IlIsurnlll'e applies 11111)' tll "iIlJury" II'hlch IlCCUIK III Ihe "l'l1vI'rn~e lelrlhlr)'."
1\, 11'1' huw Ihe lI~III 1111,1 till I)' III 11.."'1111 r11l1l11S llr "Mlils" u~nlllsl III\' IIISllll'1I S"l'klll~ slI..II IIIIIIIII~I"
wlll..II nre C11l'ell',1 h)' IIl1s I'"ll")' 111,,1 III I'll)' IIlr lite ",lell'IISl' eSl'ellse." 1111\ lI~hl 111,,1 ,1111)' IS
IIl11l1l',1 III Iksn il"'ll III lit,' s,'dlllll e1l11l1...1 DeI,'lIse III CIIIIIII\ 111 SlIlls ulI,h'r ('III'l''''~''' 11,
Co Ill' hllll' 1111 II11II~IIltllll III"kl CIII"IUP' II III lII11k.. 1''')'1111'111\ IIr h. pcrlilrlll "," 1'1 \,'1 \" '" "1<1'1'1 :"
1'""'lIkd fl' I 11I"lel 1'"1"~llIplt, A, l,,"t II, """l'".
1>, TIIII IIISIIIIIIII'<' 111'1'11\'\ III "III.1l1r)''' IIl1ly II:
I. The "IIIJIII)''' IS I'nllSed by 1111 "IlCl'lIIreIlCe" Ihal Inkcs plllce III lite "1'1II'l'llI~I' telllhll)'," all,1
2. Tile "IIIJllry" "..rll15 IllIrlll~ Iltl' I'IIl1l')' l'erll"l.
I>EIlENSE Oil CLAIMS Olt "SUITS"
Al'l'UCAnl.E TO ClJ\'EI\AliE A
II.. hll'" lit., I leltl '''"I 011111 h. ,"''''1111 111,,'11 II", 1111"1, III lI11hllill' "I IIIl' "lllllll'llj'llIf 1I1S!1I 11111 r" Itll'l'
10\\'11 \'\II:I\IShtl'Iol' 11111 ,..11"'""'111 1111,1 I'U)'III1'1I1 III III "l'l'lIrnh'" illlllll ,,1 111'11111111',
.. II '! \ t"!' '~' t., I . I 'I" 1 II' '.
I'"
I 1" 1~lq:
I
I
I
:
...
'I.'
, 'jV' I \
.:' \ '/, It
WI' will 1111)' '"I ull ",ldeUsl' l'XI'l'USI'" IIIll'\' 11111 c1111)' III Ill'Il'llIt 11l'~ltls, WI ItIllr ItIllkl' 11I11'sllplIlIou 111 nil)'
dllll\l I1r "SlItI" liS "'l' lhluk "1'1"III'"111l', II "'I' "Srll'lll' 11111 lI~hl 111 c1e1"lul wlll'lI Ihell' I' 1111 dill)'. WI'
\\'111 I'll)' 11111)' 110111 "I'" "'IIS\' "'l'l'lIse" "l' 1111'111.
I f We pllll'l<le II 11l'l1'IIS", Ill' Itlllr IIl1'esll~1I11' nil)' c1111111 I.r "51111" nl I1Ut dllcrellllU, We 11I11)' sdlle slIl'h
1'1111111 IIr "11111" wllhlll IIIl' A 11I1111 III III IIISlIralll'l' aVllllahle nl Ihe Ii 11I1' III II". xelllelllell\.
AI'I'L1CAIILE TO CO\'ERA<lE II
\\'1' hal'l' 110., lI~hl 111111 11111)' III c1e1I'IIII dnllllX 111 "xlllh" n~nlllsl Ihl' 1I1SII\(,,1 sl'dlll~ dlllllll~"S I'nrnhh- IIIUkl
III" I1ISlIllIlIn', Ih'"I'll'l. "I' 11'111 hllll' 1111 dill)' III ,lefelld 1111' IIIslII...1 lIflll1lsl 1111)" 1'111111I III "Xliii" !l'eklll~
dlllll"~CS 111I "IIIJUt)'" h. "hll'h Ihls IIISUtllllce dl1es 1101 al'l'l)'.
WI' \\'111 I'a)' IIIr all ",leleUle espellse" I1l1re our c1l1ly tll c1eh'lIll hefllll, We ilia)' lIIake 11I1'l'slIfnlioll 111 au)'
1'1111111 ur "slltl" as \\'e IIl1l1k apl'roprlnle, If We exercise our rlfhl 10 c1c1elld whell there Is 1111 dul)'. we Will
I'a)' 0111)' Ihnl "llelellll' l'xllCUle" We IlIl'ur.
We ilia)' 11I\'eslifalc all)' claim or "slIll" nl 011I c1llrrellou. We ilia)' lellle SlIch dnilll IIr "slItI" wllhlll 1111'
AmoulIl 01 Iusurallee a\'IIt1able al lht lllllC 01 the selllelllelll.
UNDER 1I0Tll COVERAGE A AND COVERAGE 0
A, WI' hllve 110 c1ul)' ur l,hll~lIlulu III tlelellll or IIIVelllfllle au)' dlluu III "SlItI" Ullt COI'I'lI,.t h)' thiS
1'"111')',
II, Our rifhl III dUl)' h' dclell,1 l'ucls Whell We hnve usecl "l' the al'l'lIl'lIhle 1111111 of IUSIIIlIlIce nVllllnhle
h)' Ihl' 1'0)'lIIeut 01 all)' l'Illllhluolu'lI ot jllll~lIIeull III sclIl.III.1I11 as rroVlclecl ullcler SEl'lIUN IV -
LIMITS 01' INStlRANCI'.. Thlh nl'l'lIes holll III claims allcl "sulIs' l'ellcllUp nl Ihe IIl11e the pl1 II e)'
III11t1s IIle exhlllllletl h)' plI)'III1'lIt, as Well ns thllse suhllllllccl I1r lIIed lhell.nlll'l,
C. Whell we CIllltllll Ihe .lclellSe 111 n c1allll ur "lull." We will I'")' Il1r 011 "lldl'lIle eXllCllse," II h)'
lIIuloal Ofrcellll'1I1 or l'Ilurl llIuer the "illlurecl" anumel coulrul 01 the uelellse bcloll' lhc nppllcllhle
Lilllll 111 tllsurallre available ullcler Ihil pullcy II exhauateu. \\'e wilt rehllhune the "'murecl" fllr renSI1I1-
able "uelellle expellse." luhjerl tll all the terllll allu Cllllulllulls 01 Ihll policy. III ellher calc. however.
the 8mlluII\5 we 1'0)' will 1I0t recluce Ihe AlllolIlIl of Iusurallce avollabte. as I,ruvhlell ullcler SECTION
1\' - LIMITS 01' tNSIJ\lANcl" lhe 1I1110llUt ul I're-,llIclflllelll lulelesl will he 1111I1,,",1 ns IlItllcllh'll
IIl1der Ihe tldllltllllU 111 ",lekllse eXpellSl',"
II, As Sill' II liS I'rllrltl'llhll 111"'1 "l' l'l'II1IUe nwale 11001 1111 AIIII1II1II III IllXUlnlllT 1I1'1Ii1l1hh Is ",hlllls,,"tl
h)" 1'")"1I1l'1I1:
I. WI' Will 11"111)' )""" ", 1111)' "UI51:III.hll~ r\ntlll! 11II,1 "sulls" IIIr whllh Ihl'Il' " "" 1I1111111hll'
AIIIIIIIIII "' IIIIornllt!': 1111.1
2. \"1\1 \l'11l thl'lI ntrllllfl' III assullle CIIIIIIIII, 01 )'IIur expense, III lhe dl'll'1I1e III su..h r\1I111l5 111111
"sull&" apalllsl )'I'U III all)' lither Insurc,1 whell IIur rlfht IIr dull' III Ilch'lllt Ihelll 1'11115,
J:, We will nsslst I hI' IlIhllll'll III lhl' llnllsfer IIr cIIlIlrlll IIr lhe dekllle III dnillls nllil "sulls" ullller
1'0lnFral'h C, llr II, ohlll'l'. \111111 !u..h arrnllFelllenls arc l'lIl11plcled, lI'e \1'111 Ink<' 1111 llt'hllll 1,1
1111)' IIISUII'll thllse xll'l'x 110111 WI' IIl1l1k al'prllpnnle:
I. 1 II 1I1111c1 II c1dllllll 111,11'"11'"1 III 1111)' r\1I1111 1.1 "xu II": III
J. I II thl' t tllIlllllhd tkfl'lI~r 111 II dallll III "htlIL"
I' 1,~ '111',11' IH' t~jll.'j.' III 'I
.-.
-.,
I \'
I, ,
[VI/\
~ t. \ n ~ C '
~c ;1", 11
\'\111 n~rel' Ihul I' II I' lukl' slIch ~Ieps. Wc dll lI11t Will VI' 1'1 ~II'" III' 1111)' 1.1 11111 rl~hls IIl1d"l Ihl~
1IIIIIralln' I'IIl1c)' IIr 111111.'1 ol'I'lIcnhl,' low,
.1. III the 1'1'1'111 )'1111 11111 II. 0~~1I1111' till' "r1c'I'II~C CXI\ell~I" wllhlll n rcosllllnhll' 1111'" "' lrllllskr.
011)' ensll 1111'1111\',1 h)' 115 \1'111 I,,' rCllllbllrlell h)' Ihl' IlIsllrl',l,
~, All)' II,~W r1ullll III ".lIil" 11111'1' IIl1r 1'"111')' 1111I11. 111I1'1' hcclI I'XhOIlSII'II Will III' 1('1111111',1 III till'
1II~lIrl'll "" ....11I1"<'1" hlllldllllr 111111 r~I"'II'I'.
I,. III nlll' IlIri'IIII'II1111 "1I1'lIk till' Ullllcll Slot..~ "' AlIIl'rlcu IlIIrllldill~ II. 11'llIlIIIIl'~ 01111 I"15S('551"II.I.
"111'11,', RI.... III ('olludo.. \I h,'r,' ""' IIIU)' he 1'lel'clIl('d h)' Inll'. 1'11'11 ""1111 h:llln' "I "III 111'11I (1111 )'llIr
11111 this lI~rl'(,IIII'III:
I. YIIII IIIlIsl allllll~l' tll IIIveslr~ole. ddellll III seltlc all)' doilll IIr "sllll."
2. \'\111 Will lI\1t IIInh. 011)' sclllelllelll wllllllut our cllllselll.
,I, Wc will I'u)' 11111)' lh\l.e e.\I'eoses 11I\'11111'11 "Hh 11111 (111151'111.
II. WilD IS AN INSURED
COVERAGE A
IlIsorell. 111I0llr)'lIIr as slIch IIl1der "lIllllerl)'illr iIlSOrllllce."
CO\'ERAGE II
A. If )'110 nre IIeslplllkd III Ihe Ikdllrolllllls ns:
I. All IlIdil'htuol. )'1111 :11111 )'\llIt SPIlIlS., arc IlIsllreds. hili IIl1ly wHh tesl'ect III dUllln~I's IIICIIIIl'd
os u reslllt III nllll ollSllIr 1'111 IIf lh,' l'IIII1II1l'l III II blllllless which Is nil IlIslIrl'll IIll1tl'r till'
1'1I11()', III whll'h )'1111 atl' the SlIlc IIWller.
2. A I'atlllershlp III jllllll I'elllllre. III \\'hlch )'\111 arc all IlIsured. \'nur lIIelllbcrs, )'0111 I'urtllers, 01111 Ihclr
IJ'OUICI ore alslI IlIslIrells, but IIl1ly wHh respect 10 damages IlIcUlled ns n result III allll orlslllr 0111 IIr
the COlldllcl IIf )'lIl1r husllless.
.1. All IIrgnll17nllllll other tlmll 0 I'Utlllershlll ot jlllllt I'ellllltc. III whil'h Y\lll nrc nil 11l5ll1cII. \'lIl1r
c~el'lI11I'e "rrln'15 111111 IIIICdll15 Uti. IlIslIrclb. hili 1'111)' \l'lIh rcsl'crl III t1ll'lr IIl1lh's III )'IIl1r II II I I'C15
olld llireclllls, \'11111 Sl"rkh..hlers lire ulsII IlIsllrells. bill 11111)' "lth rcslll'l'l III Ih,'11 Iluhllll)' lis
SIIIckhllhl,'ls.
II, I-,udl "' lhl' IIIIIIIlllllr I' Ills.. nil 111111I",1:
I. As rcsI'.'ds I" till' lISl' .., II "1111"11',1 1111111":
III AII)'IIII\' IIslllr II "l'lll'l'lI'11 1111111" )'1111 ""11. hitc I,r bllrlll\l' IlIdlldlllg OilY 1'1'151111 III IItrull17nllllll
Je~ally tesl'IIl1slhl\' lor sllch 05" I'rllI'JIIClI It Is "11h )'IIl1r 1'\'111I15&1\111: nllll
hI All)' IIf Y"llr l'xcl'lIll1'\' l'fIll'l'ts, dlrtctllll, parlllers. 1'llIplllyel's IIr sllll'khllltlrr<. \lI'rrallll~ 0
"c\lvered 011111" YOII "\I 11\11 IIII'll. hitI' IIr hlllrlll\' \\'hlle II Is hrlll~ IIsl'd III )'\1111 1II15111CS5,
NIIII,' IIf lhl' fllllllll'lllr il 1111 11I<lIIcd 111111,'1 1111 Ill' Ihl II hI""':
(II IIIl' \1\1'11"1 \II 1111,1'1'111' "'I' 1111111 II'h\llll )'\111 hill' 1'1 hllll\l\l 0 .....'"1'11'11 1111111," IllIs 1',1""1'11\111
d\le< 11\11 "pl'l~' II III.' "wl'l'll'll 11111\1" Is II "ltall,'I" '"11111'rll'd 1\1 II "WI'I'Il',1 :lIlh'" )'1111 \1\1'11.
I~I SIIIIII'IIIIl' "'1I1!' a "lIl\el"" 1111\11" \lIlli" he "' sill' II \lIII~III" III II hll'1I11'\\ I" "lIl1lr. "'11'/1'111".
tcpulrillr III I'alklll~ "alll\l<" 1I1111's, thai hll,'lle<, " Y"IIIS,
t\ . II't, I
I"" I \ I~'!' n t \ ""1', I 01 "
llM nUOl
...
fl."
\'
~. 1',\\1'1'1 11\ 1\""'1'. 'I I hi tilt ll"'~ III II "111\1'1\,11 uUl". II \'lIl1t \ 11I1''''Yt'I''''. "llld limn ~nlll t'\I'lllll\ t' 1111 II I t \,
hili 11111) 111I "", II II hill Ih. 111'1" 1.1 111"11 "1111'111)'1111'111 h~ )1111, 1111\\1'1'1'1. 1111 l'IIlI'IIII"'\' I' 1111 111\\11",1
".r:
III "Ihllhly 111.1111)" III "1"'''"1''11 111.1111)" II' )'1111 III II' II Il' "1111'11')"'1' \\,11111' III III. 1I1111~.,
III Ill' III 1Il'I "llIl'h'Y'II"1I1. III II... II'"I1M', dllhl. 1':111'111. hllllhl'l ," mh'l III lh,,1 III-
1'lIIplll)I'I II', " 11111""1"1'"1\' III ~lIdl "hllllll)' 111.1111)'" III "1"'111111111 111.1111)." III III' 1111)' IIhll
fnlll'lI III ,11:111' 11"lIlllf'" \\'lIh III III 11'1':1)' '"1111'"111' "I", whll 11111,1 1''')' ItaIlHlfl'\ '"'I'III1'C 1.1
Ihl' 111.111I)': III
1'1 "II,"hly 111.1111)" III ""1'1"",,.1 11I.lIIIY" oIIl'lIIf 1'"1 III hll III hl'l l'IIII'llhllf III Illlllllf III
I'tlwllk l'tlllt'flSHIIIllI !it't\'II't'''; III
1'1 "I'II'l'rrl)' <I"llIlIf"" h' pllll'crt)' II\\'lIc<l III III'ClIllIc<I h)' III 11'1111',1 1'1 1IIIIIIc,I III 11".1 ellll,tll)'I"',
nil)' III Y"III Ilthrr l'IIII'"')'I'el. IIr 1111)' III Y"llr parllll'rl I'r lIIelllll('l\ III )'1111 1111' II 11II1I1I1'15hll'
llr J,'IIII 1'1'1111111'.1
,1. !'.xcI'pl al rl'IIll'r1 III 1111' 1111' IIr n "l'lIvcred alllll":
al All)' I'I'rlllll IlIlhel thall )'lIl1r ellll'lllyecl Ilr all)' Ilrfallllallllll \\'hlle ncllllf n, )'IIIlr renl
eslnk IlInllllfer.
hI YIIIII eAel'lIl1v,' llllil'l'r, 011<1 dlredlln 1111' 1I\1\11l'ds. hili 11111)' \l'lth 1"'l'cI'1 III Ihl'll
<llIlIel 01 )'11111 1I11ln'l5 Ilr <llredlln, \'1111I IllIckhlllllen ore IIlsl1 ill'"11'II,. hili 11111)'
wllh rl',pI'd III lhl'lr II"hllll)' ns Ih'ckhlllllell,
4, All)' persl'lI III II1fllll17nlltlll hUI'llIf lefal lelllplllnr)' cllstlld)' III )'1111I I'rlll'l'rl)' II )'1111 die.
hili 11111)':
nl WIlh ICSpl'cl III lIohllll)' orlllllf 11111 III Ihe lIIallllcllallce III 1I1e IIf Ihul I'rllpl'rl)': alld
hi UIIIII Y"llr Il'fnl II'rrl'ICIIlnlll'e hili hl'clI nl'l'"1111ed,
3. Yllur lefol rel'reselllnlll'l' II )'OU die. hill IIl1ly \l'lIhresl'ed III dillies nl 101'h, Thnl reprelell-
In III'. \1'111 have nil )'1111I rl~hl. alld dullCl ullder IIl1s l'llIlCY.
c, AllY lII~allllallllll Y"II lIe\l'l)' n"411lre III 1111111 <lurlllg Ihe polll')' perind, olher Ihall 0 p"rlllenhll' Ilr Jllillt
I'clllllle, alld 1"'r1 \\'hlrh )'IlU lIIullllalll lIIajllrlt)' llwllenhlp llr lIIojl1llly IlIler..I. \\'11I hI' deelllell III he a
Nnllll'll 11111111,.1 II 111\'11' I, 1111 lllhl'r sllllllnr 111'"10111'1' nl'nllnhll' It, thol "rfnlllllllhlll.
1I1'\\'\'I'er:
I. L'1I1'l'llIfl' 11111"'1 11111 prllllllllll 1\ 1I111l1 <Ii'll 11111)' 1111111 1111' ISHlh dll)' nlll'l )'1111 nl',\lIlrl' IIr
1111111 IIII' "1,'"1111"111111 "' 1111' 1'11,1 III 1111' 1'11111')' ""11,"1. \\"lrhevcr i, 1'11111.'1. 11111." a<l,k.1
tll Ihl\ ,'"11,) h) \'II,IIItl..lIl\'lIl:
}, ('II\'l'rn~c .1111'1 11111 "1'1'1) h. "llIjlll)''' Ihlll (1CI'lIIrl'<I Iodllll' Y"II nlltllll..<I III 11111I11<1 Ih..
IlIf111l1711111l1l,
Nil pCISIIIl IIr IlIfUIII1ulIIIII I, nil iIlSIlIl'" \\'llh trhl1l'r1 111 Ih.. C111l1hll'l tlr all)' Cllltelll lit 111111 11Ortllenhil' I1r
JI1I1II VruIUII' Ihul " 11111 IhllWII ilK 11 NlIlI1ell lllllltrd III Ihe IJrrlnrulh'"I,
111. TERIUTORY
i\"l'lIl'.o\IlU 'Ill (1I1'11l-\IlI' .0\ "Nil ('(l\,UlAlll-. It
1111\ 1'"11' I "l'l"h'\ h. ",1'111111'111 ..," IIml hlll'l1l'1I IIU)'\\ h"I\' 111 Ihl' 111111<1,
1'11'1111'1:" I,!, 'I;' Ill! II
. ; It,
l'~t UIIIIJ
...
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."", ..
j I"
\; ,r.
, ~ r'
1\', LIMITS or INSURANtT
Al'I'L1L'AItLl' 'Ill L'(I\'I'I~Atil' ^ ANII 1'(I\'I:HA'i1' II
A, 'I hl' L.IIIIII~ III 11I>lIlallll' ,h"wlI III 1111' Ikdllrllllllll~ 111111 IIIl' IIIII'~ hl'llIlI ~IIIII' IIIl' 1II11~1 Ill' 11111 pa)
IIII1IN 1111' 1"1111' III Ihl> IIISlIllIlIl'e I"fnroll,'s~ III the 1I11111h,'1 III:
I. 11I~1I11'lb:
2. Clnllll~ 111:1011' I" "Mills" hlllllfhl:
.I, l'l'I~1I11S III l'I!,1I1111111lll1lS lIlaklll~ r1'"I11~ III hrlllflllf "SIIIl~,"
II, 'II", L.1I1111 III IIISIIIIIIIII' ~11l"'0I II~ III\' (kll\'llIl AHIl'fllh' 1.111111 I~ Ih,. 1I11'~1 \l',' \llll pal 1111:
lJalllnfe, llllllel CIII\'llIfl" A II lilt II. IIlher 1I1U1I oIlIlIIlIfe. 1'l'l'nll~I' III "IIIJIII )":
I. IlIdlllll,,1 wllhlll "Ih,' plllllllds-clllllpleled "1'eralhlll' Iralnlll." IIr
2. Arlslllf IIl1t III thl' O\l'lIer,IIII'. "l'cratloll. IIInllltellnllce. lIhe. 11Indlllf "' II II I 1111111 IIf. Ilr elllrllstlllelll
tll Illhl'lS III nil 01110: ami
The llell\'ral Afl:rl'fnl<' 1.111I11 " 1l'lllIced "l' enrh I'aj'lIIelll \l'I' IIInke IlIr SlIch dlllllnfe~, lhl~ lelllll'l'd
1111111 will tlrell he Ihe 1.111 lit III IIISlIralll'e nvnllnhle 111I IlIllher dnlllls. IlIjllrll's 111111 Ilnlllllfl'~ III whidl
Ihls 1111I11 "1'plle"
Co Thl' 1.111I11 lit IIISIIIIIIIl'\' ~Inll'd ns Ihe 1'1l1t11l1'1~-CIlIIIl'II'I<'d OI'e'"II1lIl~ A'!fll'fllli' 1.111111 1\ the lII1lsl
We will I'")' 1I1111el CII\'I'rllfe~ A 111111 HIli':
IJnlllllfl'~ IlCcnllil' III "III.1l1r}''' IlIrllllle,l III Ihe "I'rulhll't~-....ml'lele<l Ilpernllllll~ halllrd,"
'III\' I'rudlll'ls-ClIlIlI'lell'll OI"'rnl"'II~ Affrefnle 1.111I11 Ii redllrelt h)' euch I'alllll'1I1 w,' 1I111'1' IIlr SlIch
dlllllnfes, This lelhll'l'lt Ihllll will Ihen he Ihe Anll1l1l1l III III.llrnncc u,'allohl<' IIlr 11I1l1r.'r dnlrll~.
111.111111" ulIll Ilnlllllfl" III which IIli. lillllt "1'l'lIes,
(), SlIh.lerl III pnrllflnl'h II. III c. IIhlll'I'. whldl\'l'Cr nl'I'lle.. III wllh re~I"'ct tll "lIIjllr)''' nll~lIIf IIl1t "' III\'
Il\l'lIershll" "l'ern 111111 , 1IIl1l11lellUlll'e. lI~e. IIladlllf III ulIlIlndlllf. IIr elllrusllllelll III IllhelS III 1111 uIIIIl. IIII'
Oecllllellcl' L11111t " thl' 11\11.1 we will pay lor lire SUIII of <lalllafes under Covernfe~ A 111111 It hel'UIISe
III Ihe "IIIJllr}'" nllshlf 11111 III all)' IIl1e "lIccllllellcc."
E. TIle 1.111111, III Ihls 1'"111')' "1'1'1.1' ~1'I'alUll'I}' tll ench cnll~I'ClIlil'I' nllllllat I'crllllt nl\ll tll nil)' rl'lIInllllllf
1,.'111101 III "'" ""'11 I ~ III 1111 IIrs. 'Ialllllf II'IIIr Ihe hefllllllllf "' th,' I'"lh')' I'rl h.oI ~lrll\lll III Ih., IJI'r1a
rlllltlllS 1I111l'" IIle' 1'"llr)' 1"'11,"1 IS 1',\ Ii'I II ""I nller i&SlIlIlIre '"I nil 1\11<11111111:11 1'1",,"1 III Jt-ss 11"," I ~
1\1'"1h\, III 11"'1 rll.e. Ih.. 1I00.hllllllal I'erltlll will he de,'llIeol pari III IIIl' III~I I'11'Cl'lhll~ 1'1'''1111 1111
1'11I1'IISI'~ III Ilcll't1ll1l1ll1~ Ihl' Lilllll III J 11'"10 II l'l',
I" ""11.\ "III1'\ltll'II11'" 1'1I\'l't,'d 111111,'1 lhls I'" It 1'.1' IS 111.11 l'II\'lH'd III wlrlll<' III III pall 11111" I 1111)' 1'""1
"'l'l'~~ I" \lllIhll'lla I'"hl')' l~slIl'<I hy II~ III IIle 11I~\III'd, 11\11 lIahilll)' \\'111 Ill' "" fll'al<', Ilrall tlr,' fll'a\l"i
It 1\1 II III IllIhrlil)' \lllIkl allY ~lIclr I'IIItI'Y I~sued hy u~.
V. SELF-INSURED RETENTION
IMIII" We arc rl''1Ulled III IlIlIh' IIl1l' I'nymellls uuder IIlls I'111lI'Y. YIIU will I'"}' 1I\l' n 1111I11 II I slllll'd III Itelll (,
III till' Ikdnrnllll\l' IIlr 1111.1' r1allll lilt whlrll iu,urnlll'C Is l'rOI'''II'I' lu l'llVernfl' II,
\'I. E:>i l' I.lJS I ON S
AI'I'L1l'/\IIL1', I II (,1l\'U(~ljl' A ~NII ('II\'J,I<Alll, II
IIII~ 111\1111111'1 dill'S 111'1 al'l'l. I,,:
A, "Ihlllll)' IIIJurl''' "' "1'1"1'1'11)' dalllllfe" I'AI'I'l'ied 1'1 illll'lllt,'d /rlllll Ihl' ~11I11I11'1I1111 "I IIIl' 111\1111'11.
This exrlmlllll dlle~ lI1lt 1I1'I'll' ", "hlllhly IlIjUty" III "l'tIIperl)' dallln~r" lI'slIlIillf /rlllll Ih,' U~l'
III lI'n'"l1l1hll' 111I1(' I" 1'11I1('11 I"'ISIIIIS '" ptlll'erly.
I'q~ l , 1'1' 1'1'. !"l _I' '111 'I
"
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II, "Iujur)" 1111 11'1111'1, \III 111'"1.',1 " 1I1011~lIk.1 h' I'll) .11I11I1I1'I'\ h~ l..lISIII1 "I Ih, II\SIIIIII'111l1l III 11111111111
III n c:",,\llIl't III :lfllTlIll'1I1 C\U'1'1 \\ h~'ll':
II I hI' .111111111'" '" 1I1.111t) 1Il'l1l1l"0I slIlo"''I"CIII tll III<' \'flt-l'Il\'\' .11I11' III Ih., 1'II111rlll'l III
1I~1l'1'11I11I1 1111,1 Ih.. Ihllllll~" III IIIJllr)' 1\ 11111 IIll1rr\\' I'" N1'111111'll III thIS 1'1111..)': III
21 Ihl' hlslIIl'd 11'1111111 h:II'I' IllIhll1l>' IlIr slIrh tlljllry III IIII' IIl1selll'e III Ihl' I'llllllo,l IIr
1I~1l"'lIh'lIt,
C. AllY IIlol1plllllll 111I1''''''01 1111,1"1 1111) 1'( Ihe IIIIIIIII'III~ lilli's:
I. 1;11I1'111)'1'1'" Ildll..ml'lIl 11I1'l1l1ll' Sl',,"rll)' Ad 11',.IU,S,A.1 III 11)14 liS 111"1 III h"Il'IIIII'1
alllelllled. III
2, All}' filSl pall)' I'rlSt'"111 IIIJIII}'. IIUlllllllllllle 1I11-lallll. III1I11Slltl'oI 1II11I11mls. ulI.lerIIlSllte.1
mol",1111 lnw IIr all)' slIlIlIar taw.
D. All)' 11IIII~alloll III pn)' expellscs ullder nil)' lIIedlral pa)'mellts nll'era~c.
E, All)' ohllgallllll tll relmhllrse nil IlIsoll'r ns prllvlded h)' the lerms III Ihl' "Elldllrlelllelll 1111 Mlllllr
Carrier Plllleles III IlIsornllrc IIIr I'uhl1l' Liahlllly Ullder Srcllous 29 nllll 30 III the Mlllllr CarrlN
Act 01 1'180" or ulldN Ihe lerlllS III all)' similar emlllrscmelll required h)' I'e.lerlll IIr sink slntule.
1'. "llIjur)''' ntl5ill~ I'ul 1,1 all)' rnclII~ cI'elll 111 Wiliest,
G. "'"jur)''' nllSllI~ IIul III Ih,' relhlerill~ IIf '" fllHure III rellder 011) prulessilllllll serVI\'l's IIr nil)' elllU
or 011I15'11111. lIIalprncllre 111 mlslllke III n I'rolesllnunl nalUle or Icrvlcel III a fhluclnr)' I'lIl11mllll'oI
h)' or 111I hrhllll 01 nil)' IIlSlltelt.
II. I, "1\01111)' IUJury" III "prllpell}' dllmll~e" wlllrh Is nllrlhulcd III IIr Is alle~elt h' hilI'" hcell
cnnsed h)' I'XP"Sure tll nshrsllls III nshl'stlls CIllllallllll~ IIInlerlals which nrr IIInlllll11l IUled.
sold. halldled. mnmtainelt. repaired, lI'II\l1l'ed. IlIspllsed Ill. Irllllsplllled. dlslrlhuled III
IlIslalled hy 111 Oil hehllll III allY IllslIted IIr hy nlhers Iradlug IIl1der his IIr III IInllll': IIr
2. AllY 101s. COlt. nr expellse whlrh Is allrlhulcd tn. 111 Is nlleged tn have heen cnusI,.t h}'.
a heallh ha7nlll rrlalcd 10 a.hestlls IIr 85helhl. clllllailllllg malerials. IlIcludlllg Ih. c1eallllp.
repair. removal. clllllnlmllelll. IlIcludlllg 'lIcapsulallllu, or 1111)' IIlher correrllve mensores
Inkell eHhrr \'lIll1l1ll1rll)' IIr nt lhr 1Illl'cllllll 01 nil)' 1'11111)'. III l'llmlllllle. relhll'e. llllllllll.
11I1I11Ihll. III h'sl 1.11 slllh hellllh h:lIllld heronse III Ihe eXlSlcllrc III IIshl'sllIS ll'llhlll 1111'
1111111 nmll", 1111)' huihhll~ Illlllh IS IIII'llI'd. le:t~c<l III nlherwiSl' wllh,1l Ih.. IlIrl'. lus"..I)' III
Cllllltlll III UII)' IUSIIII,.I,
I. I. "1\...111)' lII.1ur)''' III "plllpell)' <I"IIII1~C" nllSlII~ 11111 III II", IIchl:tl. nlll,~,'<I III Ihll'1I11'1I1'<I
"ISl'hUI~C. <llSpl'rslll. seep:l~l'. IIU~ral\llll. rdca~e lit eSCllpl' III p"IIUIIIIIIS:
ul AI'" 111I11I 1111)' prellllSes. slle IIr l"cullolI Whldl IS or \I'IIS 01 UII)' 1II11l' 111\'llI'd
"r o"ul'le<l h)', IIr rClltc<l III Inoued 10, UII}' IlIslIIe<l;
hi Al nr ItllIlI nil)' preIllISl's. sill' "r 1111'011,," whldl Is or \\'ns nl nil)' hllll' usell
h}' "r fill nil)' IIIsurl'll IIr "Ihl'rs I"r Ihe IIlIlUIIlIl~. slllln~I'. dlsl",sol, prnl'l'sslll~
"r ltelllllll'lIl III I\osll';
\'1 Wh'lll lilt' "I \\l'It' III IIU)' 111111' h 1I1lSIIII1 1..<1. 11:11111"'''. Slllll,.I, llt,:tlr<l, III'IIIISI'<I "I, .'1
prlll'l'ssl'll. 'IS II usl'.' to)' .'1 'I" 1111)' iIlSIlIt.<I \II UU)' I\('ISIIII I'r or~ulIlIIIIIIIII I111 II Ihllll
)'I'U ilia) h" Ir~:tll)' It'sl',,",,hlr: III
,II At III 11\1111 1111) I'"'IIIIS"S. sill' \II 1\ll'lIhllll 1111 Wlllrll 1111) II IS III I'll. \I' UII)' 1\11111:11 hus III
sIIhcOlllrnl'llIlS Il'llrklll~ ""I'rll}' IIr Itllhrcrll}' Oil 1111)' 1I1S1I11'<I's hdlllll. nil' 1l('11o'1I11111~
"p,'rlllhu,,:
"11)111 I "II. '1'1 \ 1'" "." ,- It' "
." 'J, \1 PII"
I!M IKl{l!
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Iii II 1111' 1'"1111111111,, 111\ 1I11111flll 1111 III III IIII' 1'11'111111'1. Ilk III 1111'111""1 II, 11111
th'dh'lI \Hth ~lIrh IIPl'llllhlllh h~' ~udl III~Ull'll. utllll nfhll III Kuhn111tf lit Itll; HI
IIIi II III" 1'1'1'11111111" 1111' II' 11'11 IlIr. 1II11111hll. <11'1111 "I', 11'11'"\'<'. ....11111111. '1\'111.
IIdll\ll~ "' 111'11 It III 11l', III III nil)' wn)' 11'11'"1111 III. III 1111<'11 1111' 1'111'111 III
('Olllllilllll,
l'I llllll III.. 111 IlIlIt W"I" 1'11111"1111'11 III nil)' ('rul'l'll)' lhnl u:
Iii I~'IIII' llilll'I'"lh'lI III 111111'11 II), hllllllh'll III IltllllliL'1I 111I 11111\1'111,,"1 111111. 1111111 III
11"11I 1I11~ tln1\'\',,',1 n""l";
IIIi 1,1I,,'rll'I" III Ihl' ....IIISI. "' 1IIIIIsil II)' III I'" ""'11111 III nil)' 1115111"11; III
\till helllf Itllll'lt. IlIspllsed Ill. trealed IIr prlll'ess"11 III IIr IIpllll nil)' .....l\'.'H'lt IIl1h'."
II Hefllle 1111' 1.lIl1l1ll1l1ls IIr nil)' pll1perl)' III which the pothllllllls nre cllllllllllrll lire'
1II1l1'ed hlllll tile plnl'r where 1I1l')' are arccpled h)' 1111)' 11Isured IlIr 1II11\'eIllCIII 111111
III Ulltll nil)' ......I'l'rell allh':" IIr
~I Aftcl Ihr I'II11111allls III 1111)' I'lI1p<'lt)' III which till' plllllllllllls nre Ctlllllllllell all'
1I11.\'ed !r1'"1 1111)' .....'\'..red nlllll" h' Ihe plllCl' whet<' Ih,,)' air !tllall)' ddll'elt'll.
llispusell III III nhnlldllll"d h)' all)' IlIsured,
SlIhpnrafrnphl II n I 111111 11111\ II 1111 11111 111'1'1)' 10 "hllllll)' IlIjlll r" or """,pelt)' dlllllllf""
arlslllf uIII IIf helll. smok., III 10m.. I rOIll n hl15111c lire,
As ",,'d III lhil "UIIlSIIlIl. II hlllllle till' lI1eulIS III'" whll'h h"CtlllleS 1I111'1,"trollahl. UI
breaks 11111 hlllll where II wns 1II1.IIIled h' he.
2. All)' 11151, l'IIsl IIr CXI"'IIS" IlIlSlllf 11111 III nil)':
01 Iteqllcsl. dellllllll' or Ilrllcr thai nil)' IlIsured I" IIlh.H lesl tllr. 1I111111111r. c1Cllllllp.
remo\'r. ..lIl1lnlll. trcnl. 1Ic1llxll)' I'r lIeulrllllze, IIr III all)' WII)' resplllI,1 Ill, ur
lIuell thc ellrds III pollillllllls: IIr
hi Claim ur "51111" h)' IIr 1111 hellall uf all)' penoll ur elllity fllr dlllllafes hccallac
uf tesllllf IlIr. 1III1I1Ih'rlllf. <I,'nllul'. rClllllvillf. 1'1l1l11l11l1l1f, lieallllf. dclllxll)'IIIM III
IIclllrulllillf. IIr III 1I11~ WII)' Il'II'I'"lhlf Ill. UI n..esllllf till' elll'ds III 1'II11111111ts,
l'I,IIulllll15 IIIt'nIlS nil)' ..'1111. 11I11I1d, fa"'IIIls III Ihelllllll 1111111111 I" .. 1111 III 111 I 1111 lit. IlIrllldlllf
Slllllk.,. \'1I1'"r. 111111. 11I1I1l", II. Ills. IIlkllhs. ..hl',"lrlllh 111111 1\ Illh'. WIIsh' 1111 h,,"', 111'11111111,
It' hl' ITryrlrd. tcnlllllillllllt'lI 1'1 Inlalllu'll.
SlIhl'lIll1l'flll'lI, 11111 1I11I'lIfh \11'111111 .Ill 11111 IIPI'.\ III IIII'lh, hlhll(:lIIII. 1111111,. nh:lll"
fUS"S IIr 1I1h\1 ,lIl1lhll 1'"111111l1l1h Ihul lire lIel'lIe,1 1111 III 1"1111 111'11I III\' 11I'llIltlll'll'lllll'lIl.
h)'dralllll' "' IIll'rhnlllrll 111111'111111 III U "l'I1\'rr,'d nlllll" III ,II I'utl,. If III\' 1'"11111alllh I'HIlIIt'
ur alc dlschllrfed, IlIsl'.'ned IIr rdl'nsed IlIrecll)' !rlllll U ",'III'('I\,d nlllll" I'Urt d.'ilflll'll hy lis
lIIallulndurcr III hllhl, Shill', rercll'l' IIr dISI'"s. III IUch 1'lIl1l1tllllls.
SlIhl'nlllflnl'h! 11111, IhlllllVh \1111, 1Ii'IIII", 1111 nllll IIfl ,h' 111'1 npl'l)' tll II111dl'II11 lhul
1'1'111I 11\\:1)' I""" 1'11'1111"" 1'"I1\'d h)' III 1t'IIil'd III 11111' "11I11I1\'d" 1\ Ilh 11'11'1'11 111"1',,1111111111,"
11\1' III III "pUll n "j P\I"l~'d 11111\1" II:
III lilt, 1'"11111:1111' "I IIHI 1'1111"'111 1IIIIIIIIh thl' 1',,11111:1111, 1111' 1111I11I1I1,d :III' "1'''1, I"'"
'"ll1l'll III .1:lIl1av,-d :1'. n Ir!olllllll lilt llllllllltWlIltl" PI 11\1' III thr "UI\llt't1 1I111p";
(21Ih,' dIHIIIIIP'. d"I'IHIII. M"'l'lIfl'. IlIlfllIlllIlI, rl'll'II'" III 1'\1'111'1' lit 1I1l' "1'"11111111111" "
lum"d 11111'111)' hI' "lth II I'seI , 11\1'1111111 III d'"lIlIfl"
1.11111\' "llIlIhl)' 1111111\" III "prlll'l'll)" dllmnp'" "111,1 II II It III I'" l'IIIIIiIl'IlllIld"1 1'111111'1111'1"
11r'1, It II III II r' III 11m ("tIl'"'11.
I' 'I t I I' I ~'I \ I 'j '/ " III Ij
., 1"11'11,1
.'
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i U../ \
I Ill! i ~ \ l' t .
J. "111)111)''' 111I \\'hll h 11111' IIISlIII'" 11111) hI' hdll IIl1hk h) rellMIII 111:
I. l'1I115111~ III 1'1I11111hllllll~ h. I\Il' 111111,111'11111111 III 1111)' I'l'rMIII:
~, Thl' 1IIIIIIshtllf III 1I1l'll11l.1I.. hl'll'llIfl'S III n 1'('151111 1I1H11'I Ih~ k~1I1 Itrlll~llI~ lI~l' III III1,h'l
Ihl' 1II111\('IIl'l' III 1I111.hlll: III
.\, All)' stllllll~, IIllhllll\II'l' I.r 1I'~1I111111111 rellll\lI~ III th~ hille, ~t11, ,lIllrlhlllhlll III \151' III
nlwhlllll' h.'I'erllf"s,
'I hts ~SCIIISillll 111'1'111" 111I1)' If )'1\11 1111' 1\1 I hi' h1l5111l'ss III 1II1111111nr1l1TlII~, 11I51rlhlltlll~, sl'IllIlf, 5CII'llIf
1'1 1IIIIIIshtllf 1I11'1.h..II.. ""'1 "111ft'"
1\, "I'mperl)' d:lllll1fl'" Ill:
I, I'rllpcrt)' )'1111 IIII'll:
2, I'rlll'erl)' )'1111 Il'III, 111'1'111')' III wlllch 15 III )'lIl1r cnre, cus\llll)' 1Ir Clllllr1l1 If:
III \'1IU IIflel,.1 III pIIII'id(' illslIlnlll'l' 1111 II: IIr
hI SlIch I'rllpl'rt)' IS 1111"111'11 h)' nil)' pem", III IIIfllllllallllll clllllrlllllllf nil)' 11I511lell III 15 lII11lcr
the CIlIIIrIlI III 1111)' IIIMned,
L. "1'1I11'('rl)' dUlllllfl'" III ")'1'111 1'1I1l11lrl" nrlslllf 11111 III II III 1111)' 1'lIrl III II,
M, "l'ml'''II)' Ihllllaf('" III ")'1I11l \\'III~" IIllslllf lIul IIf II IIr 1111)' 1'"11 IIf It 1I11c1 IlIdudl'll III Ihl' "plllllllds
l'Illlll'lded IIperllllllllS hlllnlll,"
Tills eSrlll5l1l11 Ihll's 11111 111'1'1)' II th~ dnlllllfed \\'llIk IIr Ihe II"lIrk 11111 III II"hlch the ,III IlIl1f l' nrl51's "'liS
tll'r1I1IIl1L'11 1111 )'Illll Ill'hllll h)' n slIhwlllrlldlll,
N, "I'rllpl'lt)' c1l1ll1l1fl'" III "IIlIPllill'd I'lllp"lt)'" 111 plllpell)' lhlll hn5 111'1 heell ph)'slclIlI)' 111.1 III L'd, nrislll~ 11111 Ill:
I. A Itl'lecl, c1c1ll'lelll'l', IlInlll'IIUIII')' III 1IIIIIfellllls 1'1111111111111 III ")'lIl1r I'rlllllld" IIr "l'IIIll \\'lIlk"; 1\1
~, A delll)' or Inllllre h)' )'IIU I,r 1111)'11111' acllllg 1111 y"ur hehalf \I. perforlll a ClllllrllCt III npeelllelll
III IICClllllllllce \\'lIh lis tenus,
This csrlUShll1 Ihles 111.1 npl'l)' III Ihe IlIss III l15e IIf 1I1her I'llIperll' nrl5111f 11111 I,r 5111hlrll 111111 nl'I'"ll'lItlll
l'h)'SIl'1I1 IlIjur)' hI ")'1111I 1'11I"lId" III ")'1I11l II"lIr~" nlll'r II hilS hcell 1'111 tll lis illklllll',1 1"1',
0. 111I1ll1I~I'S dlllllll'd fill 1111)' h.ss, l'Ilsl 111 l'xprllll' 11I1'1I11l',1 h)' )'1111 III 1I1hel! 1111 Ihl' IlIss 1.1 11M', "'111111111\\,111,
11"1'1111, 11IS1'1'dlllll, 11'1'"11, Ill'llIcCIllIlIl, 11l1IU511l11'1I1, rl'II1ll1 III III IIISI'IISIII Ill:
I. "Ytlul pll1dud":
.? "Your WUI-h "; lit
,1, "llllpalrL'd prlll'l'rl)":
if slIch prl\lllll'l, \I'I.rk, IIr 11I1'I'~rl)' 15 11"11\1111011'11 IIr recalll'c1 hlllll lhe 1II0rkel IIr hlllll \151' h)' nil)' pelSlIlI or
IIrfulltlullllll he"lIl1Sc III II kllllll"lI IIr slIsl'eclecl Itclcrt, Ileflclelll')', IlIadcllUal')' IIr dnllfl'IIIU5 CIIIIIUIIIIII III II,
1', "IIlJllr)'" lilli' h. \1'111, \\'hdhcr 111 11111 Ikclllrecl, III nil)' nrl IIr 1'1'11111111111 IIlchll'lIl III Wllr, Wllr IIICllllle!
l'Il'lI 11'111. iIlSIIIII'l\l,,", II'''dllllll, 11'1'11111111111, rllIl IIr 1'11'11 1I1111'SI.
l}, AllY "1'1'1 ~IIIHII 11I.1111)" '" "^,IIl'r\l~III~ 111,111I)":
I'll H" t 'I! "I' I ..' ~ III 'I
I', '"It 1'".,
I'M ''''l
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I. AIISIII~ 11111 01 Mal 01 WlIllclI rllhlll'nlloll 01 1I1111cIIIII, II ,hll\(, h)' IIr nl Ihl' 11111'1111111 III th,-
11I511r.d Wllh klll'\\"'II~,' "' 115 Inl!II)';
2, Arl!llI~ 0111 1" 01111 III wrlllclI pllhllcnlloll 01 IIIl1le 1111 I whole frnl 1l\lhlll'nlloll IIIok I'lncc hcloll'
Ihc hc~llIlIllI~ III Ill<' pollc)' I'Crlod:
J, Ar15111~ 11111 01 1111' \\1111111 \'lolnlll'lI of II rCIIIII 51nlllll' III IIrdlllllllce' CIIlIlIIIlIled h)' "' \\'lIh Ihe ....1111'111
01 nil)' 111111I I'd: 01
4, 1'llI whll'h 1111)' IIISIIIC,I has IISSIIIIIl'II Ilnhlllt)' III U cOlli lUl'l or n~rcellll'lIl. This 1'1..IIISIIII1 dlles
1111\ 111'1'1)' III IInhllll)' 101 ,lallln~cs Ihul nil)' IIISlIled wOllhl IIII\'e III Ih,' nhsem'., 1.1 Iii.. rOlllrlld
1'1 npeelllelll.
It "Aeh'erllllll~ IIlJllr)''' atlSlll~ 0111 01:
I. Ilreach of Clllltrlll'l, 1I1her 1111I11 IIIlslIl'plllprlalioll of ad\'erlls!lI~ hlens IIl1der 1111 11111'111,.1 clllltral'l:
2, The lallure III ~oods. plI\(IIICI5 IIr s,'r\'!ces 10 cOlllol1II wllh ndvcrllsl'd Itlllllll)' IIr tWrlolllllllll'e:
J, The wrllll~ ,ll-ICIII'II011 01 Ihe price of ~ol1lls. prl1llllcls III SCI\'ICCS: or
4, All "lIrrellsc" CllIlIlIIlllcd h)' nil)' IlIslIrcd whose hllslllcss is nd\'erllslllg, hrnndrnslill~, 1'llhIl5hlll~ or
tt'II'cnstlll~,
S, "lIodll)' iIlJllr)'" III "prlll'l'rl)' dnllln~e" urlsiu~ 11111 01 Ihc 1'll'lIcrship, lIIallllcllllllrc, "l'I'IUtIOIl. lise, nllll
IlIad!lI~ or 1I1110udlll~, I.r l'lIlrllsllllclIl h. 1I1hcn III wnll'rcrnll lll'er 50 leet III lell~lh ,'r nil)' nlrl'lnll:
I. 1I\\'IIcd h)' UII)' IIISIIII'd:
2, Charlercd 1\'111111111 1'11'\1' h)' IIr Oil h"'llllf III nil)' luslIrrd; IIr
,I, Ow licit ulld "I'ernled h)' nil elllph')'t'I' III nil)' IlIlurcll.
This exclllsiOIl ,Joes 1I0t al'I,I)' 10:
I, A Wolercrall while nshnre Oil prellllses you owu or reut; or
2, L1uhllll)' assullled ulldcr all)' cOlltrod or n~reellleut,
'1. All)' IIhll~ullnll nl Ihl' IIISIII"lt llllll,'r U \\lIrkers t'lIl11 1"'11\;1 1I0u. ltlsnhllll)' beucllls, 1I111'1II1'11I)'lIIellt
CI'IIII'I'IISulll'lI lul\', "'Ill-rul "llIl'lnyc"5 Iluhllll)' III u slnlllal SIIIlI', h'llerut 01 hlt'ul lul\', This
I'HIIIIIIIII Ih.I'S 1101 nPl'ly h' Itllhilll)' )'1111 USSUIIIC IIl1ller nil\' 1'I1111111rt III IIpl'clllelll,
l), "lIodlly 1II.lUI)''' h. all 1'lIll'lnycl' whllt' 1'11I1'111)"1'11 III \'11,111111111 1'1 III"' I\'lIh )"'11I nl'llllll kllll\\'It',I~c III tll..
ul'llllll kllowlc,ll'I' III UII)' III your 1'11'l'lIl1l'l' 01ll1'c15,
\" PIIIIIII\'c Ill' CH'lIIplllt)' dnlllu~l's,
1'!I.'IHI' 1""\ I,llPI!,lj fll.'
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TillS l:l'\llOIlSE:\IE'\T C1IAl\la,S TilE 1'01.1('\', I'I.EA"I-: IIEIIII IT [',\1mI'! iLl. Y.
PENNSYLVANIA NOTICE
All 11I~\1Inlln' ClIlIIl'all)', II~ afl'III" t'IIII'III)'I'I'~' III M'fI'l... l'lllllrllrllll> 1Ir1l11f I'll Ib ""'mil, ilia)'
1'11I\'1111' sefl'II'I's h. rl',hll't' 11,1' Ilh'lIhllll,1 IIr 11I.1\11)', Ikalh III h'>5, n...", 'l'II"l'l" Ilia)' 1III'IIIdl'
nil)' III II... Illllll",lIlf "' Il'la"',1 '1'1111'1" 11I1'1,11'111 hI lhl' al'l'lh'nlh'" "", ISSl,allll', 11'1I1'\'al "'
l'lIlIIIlIUllllllu III, n 1'"1'1') III lII~lIIalll'e:
I, S\1I"I')'s:
2, CI1I150Ilal11lu Ilr ndl'it'e; Ilr
J, IIlSl'CclIlIllS,
lhe "lllsllrnllce ClIllsullnl1l1ll Sefl'lres EXe1ll1't1111l Acl" uf 1'I'IlIlS)'II'nIlID pru\'hks Ihnl III<' 11I~llInlll'e
CIlIIII'DIl}'. II~ n~ellls, ellll'luyees III ser\'ice l'lllllraclurs lIel1l1f 1111 lis hehalf, 15 11111 IInhle rll' dnllln~e5
frum Illjury. death III tuss IIceuIIlllf as n resllll uf Oil}' al't IIr ulIIlSSlOII h)' all)' rerslIlI III Ih,' f\1llllsh'
lll~ uf ur the lnlhlll' lu fUlIlI5h these sefl'lces,
lhe Act dlles 11111 01'1'1)':
I. If the IlIjur)', dcnlh IIr IIls~ o('cUlled durjll~ the actual perfnrlllllll"" ul II... 'l'r\ ll'e~ nll,l wns
cn05ell h)' lhe lIe~lIfellce I.f Ihe Illsurnllee CUlIIl'all)', 115 lI~elll" elllplu)'ees ur ''''\'1...' rnlllrnl"
tnrs:
2, lu Cllllsullnl1ulI ~er\'I('es re'llllled III he rerfllrllled ullder a wrlllell ser\'ice CIllltrnct 11111 relnll'd
lu a I'" I lc}' uf IllSurnlll:e; ur
.1. If OilY aels III I1Il1lssloll~ uf lhe Illsurnllee CIllllpallY. lis lI~ellls, emplu)'ee~ Ilr ~efl'ICl' clllllractots
arc judlclall}' dele rill hied tll cllllslllule a crime, nctUDI IlIollee, Ilr gruss Ilc~lIgellee,
This elldUtselllenl chan~es the I'ulley tu which II Is allached alld Is effeellve IIn the date Iuued
onless ulherwhe stated,
1'[I<o..II\'e 1IIIIe lIf lhls elllhlrSl'Il11'1l1 06/01/94
1111, ellllllr"'IlICIII IlIrlll' II rart III
!'OLlCY NO,
659400-87-38-47-8
ISSUED TO
TAM SYSTEMS, INC.
1248 SOUTH MOUNTAIN ROAD
OILLSBURG
PA 17019
ISSUED DY
PENNSYLVANIA MANUFACTURERS'
ASSOCIATION INSURANCE COMPANY
!'DUn IJATElJ OG / 01/94
!lllle ISSUl'd
06/07/94
I I"',' I '.11 II', I ~ III
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TillS ENIlOltSnn:\T I'IIM\t;l':S TilE ('OU(\', I'I.EAS\: !tEAIl IT ('A!tEFI'\:I.\'.
IlltoAI> FOltM I'IWPEI{T\' DAMAGE
EXCLUSION
II IS lI~re,',1 thnt bl hlSllI1I I; I' ,,,""',,",1 nlllj 11'1'1111",1 h)' IIII' 1IIIIII\\IIl~:
K, "l'rl1l'erl)' oInllln~,'" h':
I. I'rlll','rt)' Y"11 1'\111, 1l'1I1111 "'1'111')':
2, I'rcllllles YIIII sell, ~II'I' n\ln)' I1r IIhnlllll1I1, II Ihe "l'rl1l'ert)' 11l1I1I1I~e" nmcI 11111 01 nil)' I,"rl III lhllSl'
I'relluses;
.1. l'llll'erty IlIolll'll h. )'1111:
4, I'crslIllol plllrcrt)' III Ihe enle, I'lIslllol)' 111 1'11111 III I III 1111' 1I1111red:
5, Tlml I'nrlll'ular 1'011 III 1"111 I'llll'crl)' 1111 \lhlrh )'I1U I1r 011)' "I1l1lradorl IIr slIhwlllractllls \l'lIrldll~
oIllecll)' IIr lIullrecll)' 1111 )'llur helloll 111" I.crllllllllng l'l'elallolll, II IIII' "I'IIIlll'rt)' dOlllnpl'" nrlsCl
lIul 111 IhlllC "l'eIOlillll!: IIr
6, Thnl I'lIrllrular pllll ,.1 1111)' I'IIIl'l'Il)' thai 1II1151 hI' rcsh'fed, rrl'"lred IIr rrpllll'l'll I",crllls,' ".1'1111I II IIr ~"
\\'ns IlIrllrrecll)' l'erll.rllll'll 1111 II,
I'lIfl1l!rllrh 1 III Ihls 1'51'111511111 dlll'l lI11t IIPI'I)' II Ihe "rellllses all' ")'1111I \llIrk" IIl1d wrrr 11I'1','r IIrl'lll'led,
rellle,l I1r hd,1 II1r felllnl h)' )",",
I'lIrn~rlll,h ,\, 4, 5 allol II III IIlIs 1',\dIlSIlIlI 0111 111'1 ol'PI)' III linhllll)' onllllled 1I11ller II sllldlllrk 1I~Il'I'lIll'lIl.
1'lIrll~rnph b 111 Ihls 1'\1'111511111 ,h1l'S 11111 oppl)' III "l'rl1I"'ll)' oIalllll~I'" IlIctlldell III lh,' "plllllllcts' ('(\llIpl<ll',1
ol'ernllllllS hll7nrd,"
This 1'II00l1rSrmcIII rhnll~es Ihe I'IIlil')' III IIhlrh II Is allached allll Is elll'Cllvr 111I lhe dale IUIII'II
IIl1kSI 1I1hl'rwIs,' slnlcll,
HIl'lIIl" ,Ink "' Ihls "11,1.11511111'111
06/01/94
11111 1'11011111"111"111 111111I5 II 1'1111 III
POLIcY NO,
659400-87-38-47-8
(ssuan TO
TAM SYSTEMS, lNC,
124B SOUTH MOUNTAlN ROAD
DILLSBURO
PA 17019
ISSUED OY
PENNSYLVANIA MANUFACTURERS'
ASSOCIATION INSURANCE COMPANY
POLICY (I.l\TEII
06/01/94
06/0'{ /94
!Jnll' 151111'11
1'111' I "" . I' \ 1\" I'~ t
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TillS ENIIOIlSEME~T l'IIA~(;(':S TilE I'OW'\'. PLEASE IWAII IT ('AltEFl'!.!.\'.
('ONTIlAlTlIAI. 1.1 Alii 1.1'1'\' FOI.LOWING FOItl\l
EXCLllSIOJli ENUOIlSEMENT
bl'lIl""" II I~ Ilclcll',1 1I11c1 1"1'1111'1',1 10,1 Ill\' tllllll\\'III~:
1\, "111.1111,1" 1111 11I1I..h II,., 1II~1I1l'c1 I~ 1,IoIl~nkll h' 1'",1 11~1II11~1'~ 10)' ICIl~III1 III I h., 11'51111I1'111111 "' 1111101111)' III nil
"11I5Urc,1 ClIl1lrucl," TIoI~ C~dIlSIIIII ,hIes 11111 01'1'1)' ", lIalollll)' fllr dOlllo~ei:
1. Th~1 the IlIslIled \l'lIl1ld hnve III the alosellce III Ihe clll1lracl or ogreelllel1t: III
2, ASSUllled III a clIl1trnd I'l ngrcelllel1l thnl IS 011 "ll1sured C1l111rocl" I'rllvlded Ihl' "blldll)' IIIJur)'"
IIr "l'llIl'ert)' dalllugl'" IIccurs slllosc'luel1t III Ihe execulIlll1 llf thc I'lllllracl IIr agreelllellt,
"tllsuled ClIl1lract" lIIeallS:
a, A lense III plellllses:
h. A shlctrad agreelllcllt:
Co All)' enselllel11 nr IIcellse ngreelllel1l. ex,'el'l III cllUl1eclloll wllh clllIslrllcllIlII llr delllOlllllll1 "l'ernllulIs
1111 IIr \l'lIhlll 511 leet III II rolllllnd:
d, All IIhhgullllll. os relllllred h)' llrdll1al1,'e. III IlIdellllllf)' a lIIulllell'olll)'. excel't 111 Clll1l1Cclllll1 \l'llh \\'nrk
tnr a mUl1lcll'alll)':
e, All elel'alllr lIIull1tel1nl1ce ogreelllelll:
I, Tlml pari III nil)' nlh('r ..nlllrad nl o~reelllel1t l'ertalnll1g to )'nllr busllless (hlcllldll1g all hlll('IIII1If1.
..nllllll III n 1II11l1lripnlll)' III nllllledhlll \1'1110 II'IlIk IlCrlnrllled fur u IIIUl1lcll'~llI)'l 1I1111er \\'hlrh YIII1
II~SUllle the tnrl 111110(111)' III allother I'orl)' In I'D)' f(lr "Iolldll)' IIIJnr)'" III "1'1II1'ell)' dlllllngl'" III II
Ilolr,l perSIII1 m nrglllll/lllhll1, Tml IIl1hllll)' 1111I\ \1'1111 hi hl' 11II1'"51'd 10)' lu\\' 111 the ahsel1n' ,'I 1111)'
t',,"lruft 01 ui!rcl'llIl'lIl.
'\11 "1"'11I1'11 ..III11rllcl" 11.1(" 1111\ 1IIr1l1dl' IIl11l I'"rl III nil)' clll1lrucl III IIgl<'I'll1elll:
a, Thai Il1dellll1llles UII)' l'el51111 IIr nrglll1l1alllll1 1m "hlldll)' II1Jllr)''' IIr "I'rnl'erl)' dumage" IIrlslug
11111 IIf clllI!lrllcllllll IIr d1'1II1111111111 IIp('rullnl1s, \l'lIhll1 511 feel IIf IIU)' rallrllnd I'rlll'erl)' n,"1
nllecllllg nu)' rullrlllld hrlllge "' treslle, Irul'ks, IlInd-beds. IUl1l1el, ul1derpass nl crllsslllg:
h, Thai 11111('11I111111'5 1111 nllhll('c1, "II~III1'('1 Ilr SI1lI'c)'lIr IIIr IIIJllr)' lit ,Inlllngc IIrhlllg 11\11 III:
It ",\ I\'t 'PI' 111'1" t.l,'
"
...
w.!
r, r. [I '/VU\ ~ rt~'i HI[;
III I'repnrlll~, nl'l'rll\'llI~ 111 Inillll~ ", I'rel'ar,' nr "1'I'rll\'" IIIDl'i, dIIlWIII~S, 1'11111111111, 1"1'111\5
sorveys, ehall~" I1Ideli, IleM~IIS III Sl'eclllcnllllllS: III
(2) (lIvlll~ direl'lIlllIs 111 Illstllll'lIlIlIS, III falllll~ III ~II'l' thelll, if lhal Is lhe I'rllllar)' l'nllit'
III Ihc IIIJur)' III ,1:lIl1l1~":
l', lhlller which the 11l5llll,.I, II nil IIIChil"l't, ellCII"'cr .., SIIII'I')'llr. a!SIIIII('~ Iinhllll)' Iilr nil IIIJIII)'
..I 1IIIIIm~(' IImlll~ ..Ill ..I I h.. 11I~1II1'II's rellll.'rlll~ ..I 111111111' ", 1,'lIllcr 1'1 11 h'liI 11 II II I il'l 1'111 I"
IlIdulllll~ Ihllse Iisled III h, ah"I'I' 111111 sUl'erl'lsllI)" IIIspccllllll .., ell~llIeellll~ ~ell'll'Cs: III
"
II, Thllt IlIdclllllillc! 1111)' perSll1I Ilr ur~lIl1ilallllll Illr Ilamll~r h)' lire tll preml!es rellted Ilr "'nlled tll )'1111,
Thl! elldnr&cmelll ehallgel tho I'"lle)' to which II I. allached alld II effeellvo 011 the dole lUlled
IIl1less otherwlso !tDted,
1'11I"live dnle Ill' thli elllhllSl'mell1 06/01/94
ThIS ellllllrscmellt Illrms II I'"rl III
POLICY NO,
659400-87-38-47-8
ISSUED BY
PENNSYLVANIA MANUFACTURERS'
ASSOCIATION INSURANCE COMPANY
POLICY IJATI:Il 06/01/94
IJnll' Jssllell
06/07/94
I'l'~ ~ ,. I '.1 I ' ,'\ I \\ p~ II!, .. ,I :
ISSUED TO
TAM SYSTEMS, INC.
1248 SOUTH MOUNTAIN ROAD
DILlSBURG
PA 17019
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TillS ENl!OIlSEMEr\T I'IIANliES TilE I'OI.Jl'\', PI.EASE ilEAl! IT CAIlEFIII.I.\',
I'ENNSYLVANIA CHANGES.
CANCELLATION AND NONIU~NEW At
!
i
~ '
A, TIll' IlIlInwl\I~ CANCELLATION Cnlldlllnll I~ lel'lnn'd h)' IIll' 11Ilhll\'lIIf:
I. lhl' 1'lr~1 NOIIIl'11 111\11I1'" ~11I1Il'1I III Ihl' Ilcdarnllllm ilia)' ralll'l'i lhi! 111.111')' h)' \\'lIll11f 1"
1l:1\'1I1~ lIulln.' ,,' flllln'lIlllhlll.
!, CANCEI.LATION 01' POLICIES IN EI'I:ECT I'OIl LESS TIIAN lJ() lJA YS
We mn)' enllccl thh 1'1I1il')' h)' IIInlllrlf IIr delil'.rlll~ In till' I'lrsl Nnllled IlIlUted lI'rlllclI IInllre
01 call1'ellallllll nl "'nIl .III da)'s helllle Ihe elfccllve dale nl callcellalillll,
,1, CANCELl.ATION Of POLICIES IN EffECT I'OR bO DAYS OR MORE
II 11m I'l'"c)' has heell III elfect Inr 6(1 tlay. nr IIIl1te nr If 11111 pnlley Is a relle\\'at nl a 1'"l1e)'
We Iuued, we ilia)' I'nllc.1 thl. 1'"l1l')' IIl1ty Inr nile IIr IIInre nl lh. InllnwllIg realllll~:
a, \'nll hnl'e lIIade n mall'rial ulISrel'teseulaliulI whirh IIl1ecl~ the IIIsurahlllly III lhl' IIS~,
Nnllc. nl enlll'l'ilnllllll will he lIIalled 1lI dellvcrell at Icast 15 tin)'. helllre the clr.'dive
dnte III ealll'ellnllllll,
h, \'nll hnv. fnl"'d to ra)' a rrellllllm \\'hell dlle. whether the prelllllllll I. paynhl. IlIterll)'
In Us 11I n\IT afellls IIr lIulltecll)' lIIuter n prellllom flllallce rlnll IIr eXlell5l1l11 III rl<'llit,
Nnll,,' l.f cnllcellallllll will hl' lIIalll'd nl I.nsl 15 dill'S helnre Ihe elfel'lh'e tlnll' "'
I'III1Cellalll1I1, '
l, "","ulllh1ll, Inch.r I1r IlIss cxperlclIl'<' mnlerlal III illlurllhllll)' hus challgl'li suhslnllllall)'
I1r a sllhslllllllnl 1'1111111111111. fnl'tl1r 1lI Ims esrl'riellce mnlerinl III 1III\lTahlllly has
hecnme klll1\\'1I tllltlllg lhe rl1l1c)' pellnd, Nnllce nl callcellnllllll will he mailed n/
delll'ered at leu.l 611 days hcfllle Ihe elfecllve dull' III cancellnlllln,
d, LI1" nf rcinSUtnllce I1r a suhsl:lIIl1ul decrease III relllsuralll'e has nccUrled, which h.ss 111
decreale. nl lhl' 1I111l' III cllllcl'llnlll1I1, .hall he cerllfled In IIIl' IlIsuranre 1'lImmlsshlller
ns 11I1l'ell)' 1I1"'l'lIlI~ lllllll'l'e 1'"11l'1l'5, NI1lil'e or rllllcellnllllll \\'111 he mllllcll I1r 11l'iIl'l'Il'11
nl ,"nsl lJ(I da)'s hdllll' I Ill' d Inlln' Itall' III call1'dlalillll,
l', Malellal 111111111' h. ....1111'1) wilh 1"'IIl')' lellm, l'IIIIIlilllln5 111 C11l1l1nl'III:11 Illltle~, Nl.tln'
l.1 r:IIICl'lIalll1l1 Will hl' 1Il11lll'tI III Ih'lll'l'rl'll III "'a51 f1II Ila)'s hdllll' II,., l'ih'IlII'I' .Iah'
III call1''''IIIIIIIII,
I Ill" \ 1'.11' '..\1 11'1,1':1 I . t I
I'. /"It 1'.1,1
1'1'
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I, Oilier reaiO'" thnl the IlIhlllalll'e L'1l1ll1l111l11l1l"r 11I0)' npl'""'", Nlllll'e \If ealll'ellllllllll
wtll he lIIalled III IkllVl'lClt 01 leull bll Ila)'s bclllre the e/leetlve dale Ilf l'nllccllulhlll,
Thll pili 1<')' ma)' nllll he I'nlleelled hllm IIICCpllll1l 111'011 dlscuver)' thnt Ihc 111I11 C)' 11'01 uhlallled 1I111l1l~h
frnlldulelll slulcmellll, Illllluhllll IIr l'ulIl'collllelll Ilf fadl IIlalerllll Iu lh. occel'lallcc III Ih., risk Ilr III
the hUla III nlllllllcll I')' III,
~, Wl' I\'ill 1111111 ur Ild111'1 1'11I 11111111' III Ih!' I'Irll Nnllll'd 11IS1I1I'd'l Inll mlllllll~ 1I11111elh ~III1\\'1I III
us, Nulll'c ul 1'II111'ellulll1l1 1\'111 alaiI' Ihe sl,<,dII l' r.asulII 11\1 1'01l!'cllallulI,
5, Nullec III enlll'ellallulI I\'ill slale Ihe c/lecllvc dote uf enlleellollulI, Th,' pultl')' pcrlllll 1\'111 clld
UII thai dale,
b, If this plllle)' II l'ulleclled, I\'c 1\'111 IClld the Hrst Namcd IllSured all)' prcllllum rcllllul due, If 1\'1'
calleel, the refullIl will tll' prll rolo omt \\'11I b. returlled wllhlll IlJ bUIIIIOII dOYI aller Ibe effecttl'e
date uf callecllallllll, If the Hut Nalllcd Ill5ured callcels, thc reflllld 11I0)' be leiS IlIRII I'ru rala nlld
11'111 he relurlled wllhlll .In da}'h aller Ihc crfectlve dale uf calleellallllll, Thl' enlll'ellutI\l1I will he
effeetivc eVell II I\'e IlRve lIul mOlle 1\1 ufferell n refulld,
7, If lIutirr ii mallt-d, II \\'111 bc h)' le~IIIl'rcll Ilr first dalh 11I011, I'rullf uf IIInillll~ will l~' suffidellt
I'roof uf IIl1l1ce,
II, 'I hc fllllll\\'llI~ II ndd"l\ Ulld hllpcrlellel all)' plll\'ISluIII tu the cUlllrar)':
I. NON RENEWAL
If We del'ldl' 11111 III tellel\' thli I'ollc)', we \\'111 lIlall IIr delll'el wrlllclI I\IIltre Ilf IIl1mclI.'wnl. Ilatlllg
Ih,' sl','c1flr reOlllllS lur 1I111111'II,'\l'ul, h' Ihe hilt Named tlllure,l 01 tenst (ill IIII}'S belulI' lhe eXI,lrnllulI
dall' III Ihe pull(')',
2, INCREME OF I'REMIUM
If we III<leasc y"ur relle\\'al I'rellllum. \\'1' 11'11I mall or deliver III Ihe l'Iut Namcd IlIsurell:
0, Wrlllell 1I11t1l'e ,.1 IlIlr 11111'111 II' IlInl'nlC Ihl' premium ul Il'all till 1111)'1 hefllre IIIl' l'/Icrltl'e
dol" uf till' I'lellllUIII IlIrI"IlI!': 111111
h, All estilllllh' III Ih,' IlInellS\' III I..all .Ill ,lu)'1 helme Ihl' dll'rlll'l' Illlk ul premllllll IlInense,
"II 'dU I"" ',\\1 1111'1." : ..I I
1\ 11.;\11'.11"
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All)' IIl1lter III IIl1nrrll~wnl lit trll~wnl l'U'IIIIIIIII lllcteole "'III ht' 1Ilhlll,tI lIt tlelll'etrtl III Ill\' l'ltlt
Nnllled IIIIIlIr'\'1 Inll kllllllll rllhltl'u,11 1II1\h'\' II IIIn IIrtl , II will Ik' h)' tt'~II'rr\'d lit 11151 I'III~~
11I1111, I'rlllll III lIIulltn~ \\'ill h., 1IIIIIelcnl I'rlllll IIf 1IIIIIec,
This eudllllelllenl chnu~el Ihc rulll'Y III which II II allnched olld II elfuetlve on lhe dole 'nul'''
lIuleu ulhcr\\'llc Italed,
U 1<'1111'<' dnl.' 1,1 IIlls t'U,11I1 S"IIII'ul
06/01/94
Till', ,'lllh'rscIIICul 1\lllllS II pnll \II
pouey NO,
659400-87-38-47-8
ISSUED IIY
PENNSYLVANIA MANUFACTURERS'
ASSOCIATION INSURANCE COMPANY
poue\' 1l,\TEIl
06/01/94
06/07/94
IJnlt' ISSlIed
1'" '111,11' Ij,'& HlLII:' 1,'1 I
ISSUIlO TO
TAM SYSTEMS I INC,
1248 SOUTH MOUNTAIN ROAD
DlLLSBURO
PA 17019
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I'ENNSYLVANIA . ASUESTOS EXCLUSION ACKNOWLEI>GEMENT
As 1Ilrl,cll'll h)' Ihc I;,'mmllllwcnllh III I'elllllylvanhl Inlllrnnce I>cpnrtmenl, we nllvlse )'1111
Ihnt Ihe c.:III1\1llercla\ Umhrelln c.:o\'ern~e form pari of the plllle)' lilted belliII' IlIcllldes
all exclllslun lur 11111 nUrlhuled to asheslos or asbestos eonlalllln~ materlnls.
II)' y"ur sl~nalllre )'UII ocknllll'led~e Ihol Ihe exelullnn II pari IIf your poUe)'.
Inlllrell:
Unlel
Pull!') NllmhenJi.li9-400-A7-3B-47-a
1'1.!hdMI~ l'H'. 1I0rIJJI
.
I, James D, Hughes, Esquire, hereby certifY that on this date a true and correct copy of the
Complaint was served by Orst-c1ass United States Mall, postago propaid In Carlisle, Pennsylvania
17013, upon tho following:
Pennsylvania Manufacturers' Association Insurance Company tld/b/a
TilE PMA GROUP
SOO North 12th Street
Lemoyno. Pennsylvania 17043
IT & IIUGlIES
Dated: Juno 24, 1996
TAM SYSTEMS, INC.,
Plaintiff
: IN TilE COUIn' 0/0' COMMON I)LEAS OF
I CUMBERLAND COUNTY, I)ENNSYLVANIA
I
I CIVIL ACTION - LAW
I
:
v.
PENNSYLVANIA
MANUFACTURER'S ASSOCIATION
INSURANCE COMI'ANY t/d/b/a
THE PAM GROUP,
Defendant
95-3606 CIVIL TERM
JURY TRIAL DEMANDED
PRAECIPE TO SETILE AND D1SCQ~TINVF.;
To Lawrence E. Welker, Prothonotary:
Please mark the above-captioned case settled and discontinued and Issue a Selllemenl
Cet1lf1cale,
Respectfully submitted,
September 10. 1996
Attorney for the plaintiff,
TAM SYSTEMS,INC,
_T'"
IN TilE COURT 01' COHHllN I'I.US 01'
CllKBEIlLAND COUNTY, PENNSYI.vANIA
CIVU. ACTION - lAW
95-3606 CIVIl. TERM
JUlY TRIAl. DF.HANDED
TAM 8Y8TI!ItS, INC.,
PLAINTIFF
V.
PENIl8YLVANIA HAHUFACTUREll' S
ASSOCIATION INSURANCE lnU'ANY
t/d/b/. THE PAM GIOUP,
DEnMDANT
PIABCIPE ~ SE1TLE
Mm DISCONTINUE
'-AW O'PIOI!I
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WI.' pow,,," ',.,o'....OHA~ IUIIDINO
eo WElT POIolFRET STREET
CARLI alE, PENNSYLVANIA IIOU'3222
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FAX 11II114. ,135<
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