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Home My WebLink About96-00290 DOUGLAS, DOUGI.A.'i .. IKIUCiJ.AS J7 W, HIGH ST, MaUl CARLISLE PA 17013 TIlLEPHONE 717.24.1,17110 WII.I.l^M I', IXllJOl.^S, IlSQ, Sup..mo CUU'I 1.Il,' 37926 In the urt of ommon Pleas 0 Cumbe~and County Pennsylvania Plaintiff vs No.1.. c.;)'ltJ Civil Ttrm The Ohio Casualty Insurance Company Defendant Civil Action Law for Declaratll'Y Judgment Ju TrialDe~ded JSOID YOU HAVE BEEN SUED IN COURT,IF YOU WISII TO DEI'END AGAINST 'Hill CLAIMS SET FORTH IN THE FOLLOWING PAGES.YOU MUST TAKE ACTION WITIIIN 'IWENTY DAYS AFrER TillS COMPLAINT AND NOTICE ARE SERVED, IIY ENTERING A WRllTEN APPEARANCE PERSONALLY OR BY ATIORNEY AND FILING IN WRITING WITlllllE COURT YOUR DEFENSES OR OIlJECTIONS TO TilE CLAIMS SET FORTIl AGAINST YOU, YOU ARE WARNED THAT IF YOU FAIL TO 00 SO, TilE CASE MAY PROCEED WITIIOUT YOU AND A JUOOMENT MAYBE ENTERED AGAINST YOU BY TIlE COURT WITIlOlJl' FURTIIER NOTICE FOR ANY MONEY CLAIMED IN TIlE COMPLAINT OR FOR ANY OTIIER CLAIM OR REUEF REQUESTED BY TilE PLAINTIFF, YOU MAY I.OSE MONEY OR PROPERTY OR OTIlER RIGIlTS IMPORTANT TO YOU, YOU SHOULD TAKE THIS PAPER TO YOUR LA WYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, Coon Admlnlsll1llor Fourth Floor Cumberland Counly Coun IIouse Carlisle PA 17013 717.240,6200 \.. ---_. DATE: \ - \<1 - ~5 Complaint Complaint 1. The plaintiff, Larry Lee Associates, Inc" is a Corporation with a place of business at 219 N, Pitt Street, Carlisle, Cumberland County, Pennsylvania, 2, The Ohio Casualty Insurance Company Is a business entity, to be determined, licensed to do business In the Commonwealth of Pennsylvania, with offices located at 136 North Third Street, Hamilton, Ohio, 3, The plaintiff Is a business who purchased an Commercial Umbrella Liability Policy from the defendant to Insure their business from Liability, A copy Is attached hereto, 4, On January 20, 1994, a vehicle owned by the plaintiff corporation was Involved In a motor vehicle accident here In Cumberland County, 5, While the plaintiff contests liability, litigation Is going to be flied against the plaintiff with respect to said accident, and It Is the position of the plaintiff that they are covered by their policy of Insurance, 6, Counsel for the defendant has Indicated that they desire to rescind the contract of Insurance with the plaintiff, This Is considered by the plaintiff to be anticipated repudiation of the Contract of Insurance, 7, The defendants failed to acknowledge and act promptly upon written or oral communication with respect to claims arising under the aforementioned contract of Insurance, 8, The defendant failed to promptly Investigate all claims arising under the aforementioned contract of Insurance, 9, The defendant did not act In good faith to effectuate prompt, fair and equitable settlement of this claim, knowing that their Insured may be held liable for damages, 10, The defendants have compelled the Insured to Institute this litigation to enforce coverage due and owing the Insured, 11, The defendants failed to promptly provide a factually sound explanation of the basis In the Insurance polley In relation to the facts or applicable law for denial of the claim or for the offer of defending the Insured, 12, The defendants Impliedly and/or expressly warranted that they would, In good faith, provide Insurance coverage to the plaintiff In accordance with the contract and abide by the terms of said contract, 13, The defendants have wlllfuliy and maliciously withheld benefit under the contract of Insurance from the plaintiff, 14, The defendants, In bad faith, are denying coverage to Its Insured without thoroughly Investigating the foundation for Its anticipated denial of coverage and In not fully Inquiring Into the possible basis which might support the Insured's claim for coverage, 15. The plaintiff respectfully requests the Court to Order the defendant to provide coverage and a defense to the plaintiff In accordance with the contract, 16, The actions of the defendant are recklessly, wantonly and wll1fully done for the purpose of causing harm to the plaintiff, 17, Having full knDwledge of the aggravation, frustration and inconvenience which the plaintiff Is forced to endure, the defendants did recklessly, wantonly and wll1fully fall to take reasonable and necessary steps to handle the claims resulting from the January 20, 1994 auto accident In which the agent of the plaintiff was InvDlved, 18, The defendant did recklessly, wantonly and willfully, failed and refused to resolve the claims of the Insured and handled said claims with reckless Indifference to the rights of the plaintiff, 19, The conduct of the defendants was outrageous, oppressive and recklessly Indifferent to the rights of the plaintiff, 20, As a direct and proximate result of the defendants reckless, wanton and willful disregard for the rights of the plaintiff the aforesaid Injury did occur. 21, The plaintiffs hereby request all remedial relief as provided In 42 Pa,C,S,A, 88371, Wherefore if is prayed fhaf judgmellf be ellfered ill favor or fhe plaillfi!! /lIId aNaillsf fhe defenmlnts in an amounf in excess of f/lllf requirillg compulsory referm( fo /ITblfmtion,/f is further requesfed fhaf defendallf be ordered fo provide covertlge ill accord/lllce rvifh fhe attached confract of insurance, A jury frial is hereby demanded, Respectf~~~y sUbJltted, i l - , ' \N Wll1lam p, Dougla Esq, Allorney for the pi tiff COMMONWEALTH OF PENNSYLVANIA ) COUNTY OF CUMBERLAND 88:. ) LARRY V, L1m, being duly sworn IICCOr~ing I .llIw. dCJloscs IInd SIIYS Ihullhe IIVerlllenls of Ihe within CllIllJllllinlllre Irue IInd cc$rrec. olhe 11c7st If IIfl.li.,tlllt's)l. ,owledge, lnfonnutilln und belief, ~ .,)' tk/ / --\.. / ( ) /' ,'.. LlIrrYV, Lee '" Sworn Illllnd subscribed before me lhis /1 /I. ,2 '-} ~ ( .01 t J ') ,,' 11 'I ~7 I dllY (,2"'/1) !~" I t1 NOlllry IlOTAIIAL IUL JUIQ II, LAY _MY MUI CARLISlE 101IO. ___ CClUIm MY COMMISSION uPlm JUNE ,... .1996, J' Tt:le Ohio Casualty Groupofinsura~cecoinp;nles or CIllo CuulIt, Iftl. Co. POUCYIIO. 110 ( ) 50 51 12 12 DIIIA LIe Assocl.tel. IIIC. .5 COMMERCIAL UMBRELLA SCHEDULE OF UNDERLYING INSURANCE CInIIr. ~ Nu"., and PIricHl 1'tPt of Policy '- LCommlfC,*lG~,-," ~llty) ... Includlllt: L!l Completed OpIlIlionI [J Producll o ContrlCtUll LIIblllty o I'IIIOI1IllnJury o Btluty , Blrber Shop LIIbIllty o ConlllClOll' LiIbIIty o Funlfll DilKtOll LIIbIlIty o ....lIrinIriIn LIIbIIIty o CondomInIum D &. 0 LiIblIIty o EmpIoo,w IIII1IIhI LIIbll1ty o Uquor LiIbllIty !WII or !WIlD IMUIlID " ( , III 0111'" .... CO. 110 . .. a II ar-I " ..,...... 'l -"7'., ApplIc.... Umlll 0' Amount of 1_ I'lIrMII (lpMdona .'.000.000 ElchOccu_ '2.000.000 GenIlIl~ f'1oduclI.ComplIlId 0pentI0na ".000.100 Agg/lgl1I I'MonIIlrVi &. AdIwdIIng LiIIlllIty . EIch Occu_ IIocfIy 'r;uv UIbIIIty -,~ - pIlIOIl . ,IICIlOCCUIllllCl C~~~) . -.. OCCUIllllCl OR IIocfIy Injury and PlopIfty Ollllllll combInId U._.ooo lICIloccu_ . Agg/lgl1I . PIr LocIlion IGl111llh111lll1lgll LlIblIIty Only} o Blandin! Work.,.' Compenlltlon Ind EmploY"I' Ulblllty Bodily Injury by Accident BodilV Injury bV Olselse BodllV Injury by Disease CMIIgI B.Emp/oyeIl' LIIbility . each accident . policy Iim~ 1199181J1te} . each employee Other o o o An "X" marke<l in a 0 indicates lhose coverages are proVided in tho Underlving Policies as lisled, CG 80071192 BRANCH OFFICE COpy " (t) ~I . , U - POLICY NUMlilH ' ~15~ : J axo ~) 5059112 12 The Ohio Casualty Insurance Company ,-- TNolI_, _, 0N0_ -.. I ,~. HAA"" ClATI RICIIVIO IHS'ICTIDH RID, DATI: 'ROM: COMMI"C'AL UMI"ILLA POUCY DIClAIIATIONS AIUNG ADD"I" AGENT'S NAME' MAILING ADD"E" 37 04 5557 LlIT1 Lae D/'/A Lae Assoclltes. Inc. '.0. lox 108 Clrllsll.'A 17013 IlIIIU"ID /I rl on I'OLIc:Y ""100, ThIs .In Ion:e from -" 10 _ In IlIUm lot lIle PIVINftt oIl1le PNmIum, Ind 10 IIlIle IInnI oIl1li1 , M Umlta of Inaurance PolIcy Aggrwgltt Umlt........................... ..... .... . .............. ...... . I........ Self 'IlIUrwd Rltlntlon IEIdI Occunwnce or <m.nse not . 1.000.000 c:ov.r.d by undttfyfng It1IUl'lnCtJ.................. .............. ...... .... ........... . 10.000 U IrIIUIlInc:e - 8M Sehedule AtucMd PNmlum Compulltlon: Eltima~ Flit CIllrve Rltl per TOIlI AdvInce PNmlum $600. ...- Minimum PNmlum:. 100 'n thI_t of cencellatlon 'bv the f1m NIII'lId InlUrwd, the COll1plnv IIlIUNllln not I... thin. 100. II the Minimum PNm'um, FormIlnd encIol'lllllll1l1 ItlleMd to mil poUcy It time of lllue: C& 80 0711 92..- ..CG 80 28 10 . .. "CG 81 55 III 89'" . CG 82 35 07 87" -tG 82 49 07 87 v CG 81 75 01 89" '..ue Date 04-o7-93lll1~t Harrlsburq Branch Office By Authorized Representative CG B00610 88 BRANCH OFFICE COpy OCD,DC~; .~I ~T 13/ II_ '3" ~(/f" MOV27t16 AGENCY MAIL 'IllER , 62 12 , - - , H.o. ""'~ IMIIICIAL UMllllUA lUCY DICLAIlATlONl HAMID INII l I Lal D/~ '.0 Clrl INaUIIID II, I'OUCY "" In _101 1 To: ~ .z.." 4s;Ic c4<:, Code #: ~A~h,A .. 04 5557 c. ST AGCY .'211Iv, oc_ Umlta of Inaurance Paficy Aggrwgate Umlt..... ...... ....... . . "' . ...................... . .... .. .............. . Self IIlIUNd Rltentlon IElch OCCUrmlCI or ~ nol . I .000,000 COYeNd bv Underfylng .nlUrlne.t..................................................... . 10.000 U IIIIU,.nce . See Schedule An-chid PNmIum CompuUltlon: Eallrnelld Flit Chi.,. RIUI per foUlI AdvanCl Premium $600. ...- , ' Minimum Pllmium:. fOO In the _t of cenc:elletlon by the flllt Nlmed InlUNd, thl ComPlnv thin ,.U1in nOII_ then. 100. Minimum Prwmlum, I Fonnl Ind II1dorMmInta In-chid 10 lhll policy It time of laul: CIl80 07 t1 92.- ,Cll 80 28 10 . ~ ~CG a1 55 0lI 89.... . Cll 82 35 07 87- "(G 82 49 07 a7 v ell a1 75 01 89- I..ue Date 04-o7-93lilt(J.t Harrlsbura Branch Office By Authorized Representative CG BO 06 10 Bll OCQ..CtmJl; BRANCH OFFICE COPY lithe LARRY LEE ASSOCIATES, INC, : IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNA, V, THE OHIO CASUAL TV INSURANCE COMPANY NO, 1996. 290 CIVIL TERM CIVIL ACTION. LAW RE: DECLARATORY JUDGMENT ACTION CERTIFICATE OF SERVICE It is hereby certified that a true and correct copy of the Complaint in a Declaratory Judgment Action was served by certified mall, return receipt requested, deliver to addressee only, on January 22,1996, on The Ohio Casualty Insurance Company 136 North 3rd Street Hamilton, OH 45012 The return receipt card is attached hereto, '~-_"""""'~_'d__,~_...",~ . "n _.,.. "_~~_""_' '. ,L Wllliam p, Douglas, AMv.,,*~'." I , I ( I \ " "., (:J f; f-r; - i~'>: e ~~~7 ~o -~ fief".! \..J ~", l L:';: " ~r- r.10~ ( ~ <:::> : ~In C~ c..,. i..: .HH f":;: -II' , I i11~ a:, ":.1; :,~! ~1.. I" ,- -', t:,' II. I_~ ,.1 U U, U ~ . THOMAI. THOMAI . HAPEIl BY, Dougl.. B. Mlrclllo, elqulre Idlntlllcl1/on No. 3B610 306 North Fron. StrOl' P,O. BOl 999 Hlrrllburg, PA 1710B.0999 LARRY LEE ASSOCIATES, INC., Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNA. NO. 1996.290 CIVIL TERM CIVIL ACTION - LAW DECLARATORY JUDGMENT JURY TRIAL DEMANDED v. THE OHIO CASUALTY INSURANCE COMPANY, Defendant ANSWER. NEW MATTER AND COUNTERCLAIM OF DEFENDANT THE OHIO CASUAL TV INSURANCE COMPANY 1. Denied. Answering Defendant Is without Information or belief as to the truth of the averments of Paragraph 1 hence here are denied and proof demanded at time of trial. 2. Admitted. 3. Admitted In part and denied In part. It is admitted that Plaintiff Is a business which purchased the commercial umbrella liability policy from Defendant to insure their business from liability pursuant to the terms, conditions, and exclusions of said policy. It Is denied that a copy of tha policy was attached to Plaintiff's Complelnt. 4. Admitted. . ... 6. Denied as stated. It Is admitted that litigation has been flied against Plaintiff with regard to said action. It Is denied that Plaintiff is covered by the commercial liability policy Issued by The Ohio Casualty Insurance Company and/or that Plaintiff Is entitled to coverage under the policy Is subject to recision. 6. Admitted in part and denied In part. It Is admitted that counsel for Dafendant has Indicated that the policy Is subject to recision based on the assertions and/or concealment of facts during Plaintiff's procuring of the policy. The balance of the averments of Paragraph 6 state a conclusion of law to which no responsive pleading Is required hence herein denied and proof demanded at time of trial. 7. Denied. It Is denied that Defendants failed to acknowledge or act promptly upon written or oral communication with respact to the claims arising under the aforesaid contract of Insurance. 8. Denied. It is denied thAt Defendant failed to promptly Investigate all claims arising under the sforesald contract of Insurance. 9. Denied. It Is denied that Defendant did not act In good faith to effectuate prompt, fair and equitable settlement of this claim as Plaintiff Is not entitled to coverage pursuant to the terms, conditions or exclusions of the policy and/or because the policy Is subject to recision. 10. Denied as steted. It Is denied thet Defendants compelled the insured to Institute the litigation to enforce coverage under the policy. - ;>, - - ~ 11. Denied. It Is denied that Defendants failed to promptly provide a factually sound explanation of the basis In the Insurance policy In relation to the facts or applicable law for denial of the claim or for the offer of defending said Insured. 12. Denied. It is denied that the averments of Paragraph 12 state a conclusion of law to which no responsive pleading Is required, hence it is denied and proof Is demanded at time of trial. 13. Denied. It Is denied that Defendants have willfUlly or maliciously withheld benefit under the contract of Insurance from Plaintiff. 14. Denied. It Is danled that Defendants acted In bad faith or denied coverage to Its Insured without thoroughly Investigating the foundation for its anticipated denial of coverage or did not fully inquire as to the possible basis which might support the Insured's claim for coverage. 15. Denied. The averments of Paragraph 15 state a conclusion of law to which no responsive pleading Is required, hence It Is denied. In the alternative, Defendants deny that they are required to provide coverage and/or a defense to the Plaintiff pursuant to the terms, conditions and exclusions of the policy and/or because the policy is subject to recision. 16. Denied. It Is denied that Defendant has acted recklessly, wantonly, or willfullV to cause harm to Plaintiff. - 3 - .. ~ 17. Denied. It Is denied that Defendants recklesBly, wantonly or willfully failed to take reasonable and necessary steps to handle any claims resulting from an accident on January 20, 1994. Any and all averments of Paragraph 17 are denied. 18. Denied. It is denied thst Defendant recklessly, wantonly or willfully failed to refused to resolve the claims of the Insured or that Defendant handled said claims with reckless Indifference to the rights of the Plaintiff. Hence, It Is denied and proof Is demanded at time of trial. 19. Denied. It is denied that the conduct of Defendant was outrageous, oppressive or recklessly Indifferent to the rights of Plaintiff. 20. Denied. It Is denied that as a direct or proximate result of any acts or omissions of Defendant, Plaintiff suffered any Injury. It is specifically denied that Defendant acted recklessly, wantonly or willfully or disregarded Plaintiff's rights. 21. Denied. The averments of Paragraph 21 state a conclusion of law to which no responsive pleading Is required, hence It Is denied and proof demanded at time of trial. In the alternative, It is denied that Defendant is liable pursuant to 42 Pa. C.S.A. 18371. NEW MATTER 22. Some or all of Plaintiff's claims may be barred by laches. 23. Defendant's obligation is to provide coverage and/or a defense for Plaintiff subject to the terms, conditions and exclusions of the policy of Insurance, a copy of which Is attached hereto and made e part horeof as Exhibit" A. " - 4 - .. .. 24. Any liability of Defendant for coverage, said liability being denied, Is subject to the limits of coverage as set forth In the declarations sheet attached to the policy at Exhibit" A." 25. Defendant is not required to provide coverage and/or defend Plaintiff based upon Plaintiff's misrepresentations. 26. Plaintiff Is not entitled to coverage and/or defense to the extent that there Is not "underlying Insurance" with regard to the policy at issue. 27. The excess policy Issued by The Ohio Casualty Insurance Company provides as follows: 13. Representations By accepting this policy, you agree that: a. The Information shown In the Declarations Is accurate and complete; b. The information is based upon representations you made to us in your appllcatlonls) for this policy; c. We have Issued this policy in reliance upon your representations; and d. That this policy is void in any cause of fraud by you relating to it. It Is also void If you intentionally conceal or misrepresent any material facts concerning this policy in your application for this policy or otherwise. 2B. The policy at Issue Is void based upon Plaintiff's fraud, Intentional concealment, or misrepresentation for material facts concerning the policy in the - 5 - . . application for the policy Including, but not limited to Intentional concealment and/or misrepresentation of ownership of automobiles by Plaintiff. COUNTERCLAINl 29. Paragraphs 1 through 28 are Incorporated herein and made a part hereof as If set forth in full. 30. The Ohio Casualty excess policy provides that It Is void In any case of fraud by Plaintiff or if Plaintiff Intentionally concealed or misrepresented material facts concarning the policy In Its application for the policy or otherwise. 31. Plaintiff Intentionally conceeled, misrepresented, or fraudulently misrepresented material facts, Including but not limited to the ownership of vehicles. 32. Said concealment, misrepresentation, or fraud by Plaintiff was false. 33. Plaintiff knew that the concealment or misrepresentation of material facts or fraudulent statements were falsa and/or made them In bad faith. 34. The facts Intentionally concealed, misrepresented, or fraudulently misrepresented were material to the risk being Insured. 35. If Defendant hed known about the informetlon thet Plaintiff concealed, misrepresented or fraudulently misrepresented, It would have caused the Insured to demand a higher premium or effected Defendant's ability to evaluate the degree of the risk, or would have resulted In Defendant not haVing insured the party. 36. The Information concealed, misrepresented, or fraudulently misrepresented was relevant to the risk assumed by Defendant. - 6 - . 37. Plaintiff concealed material fact, or has made a material allegation contrary to fact, or had made a misrepresentation to material fact In such conceelment, ellegation or misrepresentation was material to the acceptance of the risk by the Insurad. 38. Based upon the concealment, misrapresentatlon and/or fraudulent misrepresentation by Plaintiff, the policy Is void both pursuant to the terms of the policy and/or pursuant to common law. 39. The policy Is void and canceled from Its Inception upon discovery that the policy was obtained by fraudulent statements, omissions, or concealment of facts material to thaacceptance of the risk or hazard assumed by Defendant pursuant to the terms of the policy. 40. Defendant requests this Honorable Court to rescind the policy from the date of inception. WHEREFORE, Defendant requests this Honorabla Court to enter an order rescinding the policy effective Its date of Inception and hOlding that based upon Its recision, Defendant Is not liable to Indemnify or defend Plaintiff. THOMAS, THOMAS & HAFER Date: February I.).., 1996 a 0, Esqu re Attorne .D. # 36510 305 North Front Street P. O. Box 999 Harrisburg, PA 17108-0999 (717) 255-7238 A TTORNEYS FOR DEFENDANT - 7 - . . . . . t :-j I I I I I 1 " " 'I I \ I. I i I 'F. I t , I I I [ 1 , I i . I , ! ; , , ; , Exhibit A ."."H_.....~.".~".',.;_,_" '~U~"_4_'_~"""""'",-,,_____~_.._.... "_, " . , <.t '. ... " . " I , !0 The Ohit, Casualty GrOUJjoflnsuranceCompanles IIlANCH O"ICI: 0IIt Polh WDoda OHi......... 2000 Ung..........IlOld. SullO JOO, HI_rg. M 17110.~, 717/157."', 'AX: 717/1167.1847. M.ilng Add....: P,O, 10. .1, H""lburg, PA 17112 lollY 22, 1995 JOSI'H ,. JOYCI, CPCU, ',.,,<h fM".,., . Joseph P. Joyce, CPCU,beina first duly sworn, says thlt he is Brlnch Manlaer of Ohio Casualty Inaurance Company of the City of Harrisburl, State of Pennsylvania, and thlt he ~as full authority to act on behalf of Ohio Caaualty . r:L(~ Insurance Company. Joseph P. Joyce, CPCU says that he has caused to be prepared In eract duplicate of policy number BXO (94) 50596212 issued by said Company in favor of Larry Lee D/B/A Lee Associates, Inc. for the period 02-14-93 to 02-14-94 and that said copy of said number BXO (94) 50596212 is hereto attached. II~ JOSRPh P. oyce CPCU STATE OF PENNSYLVANIA COUNTY OF DAUPHIN . - On this 22nd day of May A.D., 1995, personally appeared before me the above Joseph P. Joyce, CPCU, personally known to me to be the same person described in and who executed the foreaoing instrument, who after beina first duly sworn, acknowledged to me that he executed the ssme. - . .' ,\ NOTARIAL SEAL \, JOSEPH J, MIHALlCH II, Nelar( Public .." Susauenanna Two, Dauc~ln COUNy My Commlss!o~ EJip,res Acg, 16, 1997 The OhIo C.sullty In,uranc, Com pin.,. . ~, American Inlur.ance CamPln.,. . Americ," fire & Cuualty Company The Ohio life l",uTi"U ComPlnv . Ohio SKUflty In,urance Comp.nv . OCUtO Budlfl. Inc. IIlAMI . · II\.. \JIIIV \...CI:>>U~llY l.JrOUDof.l,uuran~eCompanl.. _'. .J\. ' ( -i~. "" IUMID lNIU~' .10 ea...~ ~ r.. Co. , , 1/1I1. r.. Aalcll.... I&. ~...o. III (14) . D IZ 'Z .-, .5 ' " , . ' ,.. ..t" ., '.' . ..' .... ., " . COMMI"C'AL UMI..ILLA "." '.' 'ICHIDUU:OII ' " UNDI"LYINCI'INIU"ANCI CInIIr.JIIIIay NurnMr ."~ f'IlIo4 1tpI of I'aMcy . ..--......."--.LIIWlIIy . " ..' ", ' ,." , VVIl1"~....... "...: . '" \ " ...... , '"' . ".. .' 'II -...." 11lIII..' _ """ ..' """._.'," ': '...,':...,' ~..., '. u -.- j,." . .. ,... " .. . _" . ".. .tD'. ,........, 'II f'~...., ';" ,. -.......'.'."'1'''":'1. .~.'.... '. ,," '. '.'. . - -'-'5,,~, _.~~."'",'" I ';1.... r......~.Ib."':>:"'i":,~~; ::/:, ':.. ' :." . 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":,. ,... . .... ~~ .... ... ..' -, "'~. .. . '.. . " .,. ( o POUCY NUMBER: COMMERCIAL UMBREUA EXCESS UABIUTY THIIINDOIIIIMINT CHANOIS THE POUCY. PLEASI READ IT CARE;ULLY. PENNSYLVANIA CHANGES ThIs lIldorsament modlltellnlUranc. provided und.r lh. followfng: COMMERCIAL UMBRELLA EXCESS UABIUTY POUCY A. TIlt CANCELLATION Policy 'Condnlon II replaced bylht followtng: CAHCILLATlON 1. TIlt llrIt Named lnaured lhown In the DtcllII. IIana IIlIY CInctllhla policy by wrttJng or gMng natIct of canctlIItlon. .. CANCElJ.ATlON OF POUCI!S IN EFFECT FOR LeSS THAN eo DAYS W. IIlIY canctl Ihll policy by IIlIllng or dlllv.r. Ing to Iht IIrat Nlmed Insured wrltt.n notlca of CII1CIIItIlon .1 IlIIt 30 dava btfort the 1ff1Ct1v. dat. of canctlltllon. a. CANCElJ.ATlON OF POUCIES IN EFFECT FOR eo DAYS OR MORE " this policy hll bltn In IffICt for eo diva or mort or" thfl policy II I rtI1IWIl of I policy w. 1Isutd, WlIIlIY Clncll Ihll policy only for on. or mort of the following rtllOnl: I. You IIIv.lllId. . IIlII.rIsI mlarapr...nlll/on which Iff.CII the Inlurablllty of Ih. rllk, Nollc. of c.nc.II.lIon will b. mlll.d or dlllv.red III..S1 15 dlYs before Ih. Iff.cllve dat. of canclll.l/on, II. You hlVI flied 10 PlY I pramlum Wh.n dUl, whtther the pr.mlum Is PlYlbI. dlrlClly 10 us or our 111I111I or IndlrlClly und.r I pramlum flnInc. pltn or men.... of credn, NOllc. of Clncllllllon wil be lIlIied II '..11 15 dsva btfora the 1ff1Cl1v. dal. of Clncllllllon, c. A conditIon, flclor or 1011 .xp.rl.ncI IIlIIIr1s1 10 Inlurablllty 11I1 chlnged subllln. IlIIly or I IUbSllnt1l1 condnlon, fsctor or loss txperl.nc. IIlII.rIIl 10 Insurability his be. COlTll known during lhs policy period. Nol/cl of Clnclllll/on will be IIlIl1ed or d.,Iv.red sl 11I11 eo diva before Ih.lff.ctlv. dill of Cln. cllllllon. CG81750188 d. LOll of r.lnsurance or llUbIIInIlIl dlCrllll In rIlnIUranc. hu ClCCUIrId, whlcIt 1011 Of' deer..... II the time of carotll'ltlon. MsII be c.rIlfItd 10 Iht lnauranca Commllllllrllf II dlrtctfy IffICIlna In.forca poIlcIII. Notlca of cancllllllon wiD be mIlIld or dtIlvtr1d II 11111 eo diva bIfore the tfrIcdve dIl. of eM' ctlllllon, ., Mllerlsl fsMuII to comply wtth policy tItTnI, condnlons or COI1tIIc:tuII dUllll. NoIlca of cancllllllon win be mIlIld or dtIlvtr1d It IlIlt eo dava before the tIfKIlvt dal. of can. cllllllon. f. Other IIIIOIlI \hit the 11lIUIII\C' Comm/s. Ilon.r IIlIY IPprave. NotIca of canctlIItIon will be IIlIMId or dlllvlrld It IIIIt eo clava btfore tht tfftctlvt dII. of CIIlCIlIItIon. Thls policy IIlIY 1110 be cancellld from InctptIon upon dllcovery \hit \hi policy WlI obtalntd through frluduf.nt 1IItlll1ll'Q, orrlII'011l or con. clllment of fsCIIllllllrlsl 10 the ICCtp\lnc. of Iht rlak or 10 the huard .lIUmed by UI. 4. W. will mill or dlllvlt' our notlca 10 the Itrll N.med Inlurld'l 1IIlllllilng Idd..... known to us, Nollc. 0/ cancllllllon will 11I1. the IpICIfIc rtllOns for Clnclllltlon, 8. Notice of Clnclll.llon WIl...1I the Ifflctlv. date of Clncll/.llon. Th. policy ptrIod will end on Ihll d.t., - ,,/I Ihls policy Is Clncll/ed, WI wll ..nd the Itral Nlmeellnsureel Iny pr.mlum refund due. "WI Clncll, Ihe refund will be pro 11II Ind will be rllumed wfthln 10 buslnlll diva sftlt'th.lffec. Ilvl dill 01 Clncelllllon. If the Itrst Named In. sureel canclls, Ihl refund II1IY be 1111 Ihln pro rail Ind will be rllumtd within 30 dava IIt.r lhe efflCllY. d.11 of Clncllltllon, The canclllll/on will be lff.ctlYe .ven If we IIIv. not mtd. or of. flreel a refund, Includtl Copyrlghlld Mall/lal OllnluranCl SaIVIClI Ofti... Ine, wilh ill pI/million, Copyrigh', InlU'III.. SaIVletl Oftlcl. Ine.. tlllG Copyrlgh., ISO Commarelll Rilk SaIVI..I, Ine.. IllIG Psge 1 of 2 , . 7." IlClllcIIs mIIed. IR wit III by ,.."llIlred or ftral c:lUI mal. "roof 01 maMlng will III luIllcl.nl proof 0I1lCl11c1. .. Tilt WHIN WE DO NOT RENEW polley condition Is IIplICld by tilt following: t. NONRINEWAL II we dtcld. not 10 ~ this polley, w. wUI maM or dtllYsr wrlltIn IlClIIcI 01 nonrtnlWll, ItIlIng tilt IPICfIc IIIIClI1I for nonrllllWll, 10 lilt Flral NsrnId IIlIUrId It 1tul1lO days befor. tilt Ill' pillion dIIe 01 tilt policy. TIlt faIowIng ... Iddtd and 1UpIrIId. any po,1I1a.1I10tllt contrIry. C. INCllEAI! OfIIIREMIUM II we IncrIuI your IIneWIl premium, we will mal or dIIlver to tilt first Nsmad 11lIUrId: I. WrllItn IlClIIcI 01 our InlIl1l 10 Incr.... the premium It IIut eo dava btIore tilt tlItcttvt dill 01 tilt ptImlum Inclllll; and II. An IIIlmale 01 tilt IncrIau 1111111 30 dava before Ih. .fleellv. date of pr.mlum In. CNIM. Any IlClIIcI 0I1101Ven1W11 or l'IrlI'Aal premium In. er-. wit III IllIIId or dlllvtrld 10 tilt f1rat NImId IrtIUNd'l Iulknown addllll. II nOClc. II maItd, . wi! III by raglItsrtd or flrIl cIuI mall. "root 01 msllng wi! IlIlU111cltnt proof 01 nollce. D. "olley Condlllon 20 Is rapllCId by tilt following: 20. VOAI fIJght 10 ClaIm and OccUlTlnc. Intomll' tIon II we callCll or elect not 10 rII1IW lhll policy. and tilt flrIt NImId IIlIUrId 1111 1I1Id. I wrttl.n rlqu.1I for Iou Inlormatlon within tin dava 01 lilt f1rat NImId IrtIUNd'l rICIlpt 01 our mldl.rm cancilla. tIon or norllnlWll notIc., we 111I11, within 30 diva fram tilt dIlt 01 rICtIpI 01 thll WfItlen rlqUllI, =:=: f1rat NsIl1ld II1IUfId lilt foUowlng 1011 COl1750118 I. Information 011 cloud cIalml. Incfudlng dal. snd d.lCrfptlon 01 OCCUITIIIC., and lmounl 01 paymentl, "any; b. h1farrnallon on open cIalll1l, Iricludlng' dII. Ind dllcrfpClon 01 occurrenc.. amount 01 payment, " Iny. and IIl1ClUnt 01 rII'l'VII, " Iny; c. Informallon or notJcH 01 OCCIIrrIflCI, Includ- Ing dIl. and dllCllpClon 01 occurrenc:e and amount 01 rIIIrVII, If any, W.1hal1 pravld. 1011 InformaIJon to lllI first HamId IIlIUlId for IIll11lthrH Vllra or tilt perlod 01 time during which we hive prcMdId ClCMI'IClI to tilt first NImId 1I1IUfId, whIcMver 1111II. Amountl IIItrVId ... bued on 0lI' JIIllglnn. They ... IUbjICl to chsnge and Ihcdd naI III regarded IIlMlmatlllllllmlnt wi.... . W. compll. "cIalm" Ind '0CCUIT'InCI" InIarmItIon for our own buIInIu purpclIII and IllIl'clII r'lllOI1Ibl. car. In doing 10. In proWling lhIIlnfar. malIon 10 tilt fIrIt NImId 11lIUrId. we make no lIP' rlllntllIonI or welTll1tllllo 1nIurId.. InIlnrI. or olhsrs 10 whom Ihlt information Is fumIshId by or on bthaIf 01 any 1naurId. CIr.clllltlon or non. renewal will III tlItcttvt ...... " we InIdYIrtll'llly provtd. InacculIlIlntormltlon. ~ lncIudll Copyrlghlld Mallrlal Of 1nlUIIIlce 11I..1011011101, Ino, with III ~rmlllion. Pag. 2 of 2 Copyright, Inlurlllel IIIrvlOII 011101, Ine" tlllll Copyright. ISO Commllelll R1lk 11I..1..1. Ino,. II11ll ( (.~ .. - . l ( COMMERCIAL UMIIRELLA LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION. EMPLOYERS LIABILITY FORM A Thll andOlltll1ent modlfln lnaullnca provided undar the following; COMMERCIAL UMBRELLA LIABILITY POLICY Thll lnaullnce ~ not apply to "bodl/y Injury" to: t. An ImployM of the InauNd Irlll"ll out of and In till COUIN of amplCl'(ll1al1t bV the InauNd; Z. The apou... child, parent, bnlthar or llltar of that amployaa al I COllMquanc:a of t. ~ Thiluclualon IpplIaa; t. Whathar the InlUlId may be llabla "lIn am~ or In anv other capacity; IIId 2. To Inv obligation 10 aha,. damagaa with or IIP8V lOIMOna alae who mUll pay dalNgH bacaUII of the Injury. Thla uclullon dON not apply to liability IUUmad by tIIalnlUlId under In "lnlUNd contllct." . - . - CG III 156 08 89 IndudII CIlPYrithted mlltriII of Intu,.nc. 8etvic. otncl. -,th hi ~". Copyright, lneuflncli 51Mc11 otflct. Inc., 11M ~ 'n;"';>~ IIOUCY NUMIIER: COMMERCIAL UMlIllI:LLA EXCESS LIAIIILITY '" THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULL'f. DAMAGE TO LEASED PREMISES EXCLUSION CCl'JWIIQe A doM nOl .pplV to Injury or dntructlon of rul proptrty IIl1ed 10 In InlUrId. ;i . - . - J 1I2 35 07 B7 OCo.DI " .~ COMMI!RCIAL UMIRI!LLA I!XCEII L1AIILlTY POLICY OCCURRENCEIAIII QUICK REFERENCE READ YOUR POLICY CARI!FULLY - DECLARATIONS PAGES Nlmed Inlullld Ind MIlling Addlllll Pollev "-rlod Dncrlptlon of Bulln," Ind Loelllon Covellgtllnd Llmlll of Inlurlne. Schedule of Underlying Inlurlne. SECTION I . COVERAGES Beginning on Pege Coverage A . Inlurfng Agreement ...,................. 1 BodllV Injury Ind ProptrtV Dlmlg. LI.blllty Exelullonl ............................. 2 Coverlg. B . Inlurlng Agreem.nt ............... .. .... 15 "-lIon.1 .nd Advenlllng e.clulion.. ............................. 8 Injury LI.blllty SECTION II . DEFENSE AND SUPPLEMENTARY PAYMENTS. . . , . . . . . . , . . . . ... 8 SECTION III. WHO IS AN INSURED............. ........,.,.,.... .....",,7 SECTION IV. LIMIT OF INSURANCE........"................, ........ .... I SECTION V. COMMERCIAL EXCESS POLICY CONDITIONS ,) Appella .........f.......,................ t......................... . Bankruptcy............. ............ .... . . .......... ........... ..... 8 Canc.'latlon ...............,.............,....................... II' . Ching.. ............................................,..,........ 1.1 8 Dutlelln Th. Event of Oeeurlllne., CI.lm or Suit .. , . . . . , . .. . .. , .. .. . . . .., 8 Eumlnltlon of Your Boob and R.cordl . . . . . . . . . . . . . . I . . . . . . . . . . . . . . . . . . Inlplctlonl and SUrveyl , . ..,.. . .......... . ...................... ..... 8 L8g11 Action Agllnlt U. .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 10 Malnllnlne. of Und.rlvlng InlUrlne. , . . . . . . . . . . . . . . . .. . .. , . . .. .. . . . ... 10 Other InlUl'lnct ............................................ ..... ...10 PNmlum Audit............................................. ..... ...10 PNmluma.. ......... ..... ............... ...........................11 Reprellntltlon. .................................................... 11 SlpIl'ltlon of InlUrtdl .... . .. . . . . . . . . . . . . . . . . .. . . . . . . . .. . . . . . . . . . . .., 11 Sole Agent..................................................... ...11 lIInlftr of Rlghll of Recovery Agllnlt Oth.1I To UI ........... . . .. . . . . " 11 lIInlftr of 'lbur Rlghll Ind Dutl.. under thll Pollev . . . , . , . . , . . , . . . . . , . . .. 11 When WI 00 Not Rlnew . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 11 Wl\en We Intend To PlV A Lou . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 11 Vour Right to Cltlm Ind Oeeurrlne.lnformttlon .....,.....,..,.....,..., 11 SECTION VI. DEFINITIONS......,....................,...............,.. 12 ENDORSEMENTS (If any) Includll coPvrlghted mltorlll 01 Inlullncl 5lrvlc.. OlllCl, with It I parrnlaalon, Copyrlgh., InlUllnCI Slrvlc.. OlllcI, Inc., '112, ,. ) CG 80281088 COMMERCIAL UMBRELLA , EXCESS LIABILITY POLICY OCCURRENCE BASIS Vlriou. prov/.lon.ln lhl. policy re.lrlcl coverege. Rlld the entire policy clrefully to aetermlne right., dutlll Ind Whll IIlnd I. nOl covered. Throughout thl. policy the WOrdl "you" and "your" ref.r to the Nam.d In.ured Ihown In the D.claratlan., Th. wordl "WI," "UI" Ind "our" refer 10 the Company provld. Ing thll.ln.uranc., Th. word "In.ured" m..n. any peraon or orglnlllllon qUllifylng I' .uch undlr SECTION III . WHO IS AN INSURED. Oth.r WOrdl Ind phra"l thlt Ippear In quotation mlrka have ,plclll mllnlng, Reflr to SECTION VI - DEFI- NITIONS. SECTION I . INSURING AGREEMENTS COVERAGE A . BODILY INJURY AND PROPERTY DAMAGE L1ABILlTV 1. Inlurlng Ag....m.nt WI will PlY on behllf of thlln.ured for "ultlml" nit loll" In Peal of thl "retained limit" Cluaed by "bodl. Iy Infury" or "property dlmaga" to which thl.lnlur. InCI Ipplin, No othlr obllgltlon or lilblllty to Indamnlfy or perform ICt. or Hrvlc.. II covered un. leu Ixplicltly provld.d for under SECTION II . DEFENSE AND SUPPLEMENTARY PAYMENTS. COVERAGES A Ind B. Thl.ln.urancl Ippll.. to "bodily Injury" or "property dlmage" If: I. Th. "bodily InJury" or "property dame g." WlI cIUaed by In "occurrenc"'; b. Th. "occurrenc." look pllceln the "cOVlflge ter. rltory"; Ind c. Th. "bodily Injury" or "property damlga" oc- curred during lh. policy parlod of lhl. policy, CG 802810 88 ) d. Thl "bodily Injury" or "property damage"II co. vlred by "undlrly/ng In.uranc." II thawn In the "undarlylng In.urenc..., .. Thl "bodily Injury" or "property dlmega"11 co- vered by thll policy but I. not covered by "under- lying In.urlnc." or Iny othlr "underlying Inlurance" IVllllbl1 to lh.lnlUred. It illgreed thll: I, Dlmlgl. becIUII of "bodily InJury" Includl dlmlgl. clllmed by I peraon or orglnlllllon for Clre, Iou of ..rvlclI or dlllh reauhlnglt Iny 111111 from lh. "bodily Infury," b. "Property dlmlg."lhlt II Iou of UH of Ilnglbl. property thlt I. not phyalcllly Injured .hlll be deemed 10 occur It the tlm. of thCl"OCCUrrenCl" thlt cluHd 11. WI hlVI lhl right to d.f.nd Iny "clllm" or "IUI," .gllnlllhllnlUred _king dll11lgll for "bodily Inju- ry" or "property dlmag." to which thlllnlUrenc.1p- pliea: but: I, The Imount WI will plY for "ultima" n.' 10.." I. Ilmilad II dllcrlbed In SECTION IV. LIMIT OF IN. SURANCE; ) b. At our dlacretlon, WI may Invntlglt. .ny "occur. renc." Ind IInl. . "clllm" or I "lUlt" thll mlY lIIull; c. W. ~,Ivel duty to deflnd III "claim." or "lUlta" not cOVll'ld bylhe "undlrlylng InlUrence"1/lown In thl Schedull of Und.rtylnglnlUrancl: Ind d. WI.lao have the duty to defend luch "clalml" or "lUha" If the .ppllcable IImh of the "unclerlylng In- lurenc." I. uaed up; but .. 80lh our right Ind duty to def.nd Iny .xllllng or fUlure ".ulll" .nd wh.n WI hive uaed up the IP' plicable limit of Inlurenc. In Ind.mnlllcltlon 01 judgementa or ..nl.menll under Cov.reg.. A or 8, ') P.ge 1 of 16 - ') ~. 'tI ) I. I.alullonl Thlllnlullncl dOli nOl Ipply 10: , ., "Bodily Injury" or "proPlrty damlge" ellher ex- paCled or Inllndld by an Inaured. Thla exclullon dOli nOI apply 10 "bodily Injury" rlllulllng from Ihl UN of rellonable force 10 prolecl pellons or proPlrly, b, "Bodily Injury" or "property damage" for which IlIIlnlUrwd II obllglled 10 pay damagel due 10 lhe auumpllon of lIablllly In a conll11cl or egl'8lmenl. Thll Ixcluslon dOli not epply 10 lIeblllly for damagll: t1I Aaaumed In en "Insured conl11cl"; or III Thlt lh. Inaurwd would have In the ebHnce of the contl1lct or agrHment. 0, Lllblllly Imposed on lhelnsured or Ihelnsured's Inlurer under Ihe following Isws: 111 Employees' Retlremenllncome Security Act (E.R.I.S.A.1 of 1974 II now or hereaf1er amended; or III An unlnlured motor ISIS, underlnaured molorlsll, or automobile no-fault or first party bodily Injury or proPlrty damage law; or 131 A workll1l' companlltlon, unamployment companlltlon, or dlllblllly benelllalaw, or I similar Ilw. d, "Bodily Injury" to: 111 An offlc.r, director, or employ" of the In- SlIrwd who lalnJurad by .nolher officer, dlrec- lor or ImploYM of lh. 11m. Inlured In the COUrH of luch .mploymenl; or III An offlcar, director, or employ" of lhl In- IUrwd, or In Ippllcant for Imployment by the Inlured, cluHd by amployment pl1lctlces of the Inlurad. Employmlnt precllc.. Include WlOllgfuI dlamlaul or wrongful termlnltlon of an officer, director or employee. 131 ThupOUII, child, parent. brolherorslslerof lhat officer. dlreclor, employ" or .ppllcent for employment II e consequence of 111 or /21 lbove. ThlseKcluslon eppllea: III Whelher Ihelnsured may be liable as en em- ployer or In anolher cepaclty; and (21 To a duty 10 ehere demages with or repay someone else who mUSl pay demages be- cause of such "bodily InJury." CG 80 28 10 88 Thla Ixcluslon doli not app/y to IIIblllty IllUmed by thl Inaurwd In .n "lnIurwd conlrect," , .. 111 "Bodily Injury" or "prllpII1y dImIge" cauIId by the actull, IllIged or thlNtenod dil- ch.rge, dllpl/lll, relll.. or IlClPO of pol- IUllnll: leI ThaI are. or that Ire conlllned In, .ny property Ihlt 18: III Being moved from till pllce where SlIch property or pollullnll ... '0- cepted by the InIurwd for movement Into or onto In "Iutd'; (III Bllng tl1lnsporled or lowed by.n ".uta"; 1111I Otherwise In the course of t..nllt; IIvl Being 1tONd, dilpoled of, tlMted or proclllld In or upon In "auto"; or Ivl Being moved from an ".uto" to the plica where SlIch proparty or pollu- lInllIre llnally dellverwd, ditpoled of or abandoned by thelnSllrad; Ibl At or from preml_ you own, ..nt or occupy; 101 At or from IIlle or Iocatlon ullcl by or for you or othera for the h8ndllng, Itorego, dllpolll, proceulng or tlMtment of WIIte; Idl At or from IIlle orlocatlon on which you or contrlCtOll or SlIbcontrlCtOll working directly or Indirectly on your bahllf ... performing OpIIItlonl: III To tilt for, monitor, cllln up. re- move. contlln, tlMt, detoxify or neutl1lllze the pollutlnll; or IIn If the poIlullnlla.. brought on or to the a1te In connection with IUch OpIl1Itlona; or lei Which ...ltlnytlmetl1lnsponed, hln- died. ItOrad, tlMted, dlapoaed of, or proclllld II 'NII1I by or for you or. pet- son or organlzatlon for whom you ",.., be legally mponalble. 121 All 10... coat or expanll Irlllng out of . governmentel direction or rwqUllt thlt you test for. monitor. cllln up, remove, cont.ln, treat, detoxify or neutl1lllze pollutanla. Plge 2 of 16 Pollutlnll meen. el: .olld, liquid. geaeou. or lher- 131' LilbllllV euumed In en ''In.uNCI connct" tor mellrrllent. or contlmlnenll. Pollullnt.lnclude the ownerahlp, mllntenlnce or Uti of "el,.. .moke, vepor. .oot, fume.. ecld., elleall., cheml- c,.ft" or "Wltercl1lft:' cel. end wllte. We"'e Include. melerllls to be )) recycled, reconditioned or reclelmed. g. "Bodily Injury" or "property dlmege" due to the u.. of "mobile equipment" In, or while In pracllce Peragraph.l1Illlf1vllnd flllb) through flllel do or preperatlon for, e pralrranged racing. apeed or not epply to pollutanll which e.cape or are dl.- demolition conte.t or In I atuntlng IctlvllV, cherged from an "auto" plrt If: h. LlebllllV Illumed In In "Inlurad contracl" for m The "auto" part wa. dealgned by Its manufac- "bodily Injury" or "property demage" dUI tOWlr, turar 10 hold, .10re, receive or dlspo18 of such whelher or not deellrad, or In Ict or conellllon In- pollutanll; and cldent to Wlr. Wer Includea civil Wlr, InlUrractlon, rabelllon, revolution, or ICt. of terrorlem. 121 The pollutanls Ire from fuels, lubrlclnts. fluids, exhaust ga181 or other like pollutants; I. "Property dlmlgl" 10: and - 111 Property you own, renl or occupy; 131 The polluten.. are needed for or ere due to the normll electrlcll, hydraulic or mechanical 12' Pram 1_ you ..II, give .wlY or eblndon, If functioning of the Insured "IUtO" or 11. perts, the "property dlmlg." .rl_ out of Iny Plrt of thoH preml_; Peragraph. flllbl through 11I(e) do not Ipply 10 pollutanll which are not In or upon an "auto" If: 131' Property 10lned to you; 111 Th. pollutanls or property In which the pol- 14' l'lreonel property In your cere, cu.tody or lullnllere contelned.re UPHt, overturned or control; dlmaged e. a re.ult of lhe mllntenance or u.. of In "auto": III Thll p.rtlcullr pert of rill property on which you or I contractor or aubconlractor working 121 The dltchlrge, dlapellll, rele... or IlClpe of dlractly or Indirectly for you Ire performln" lhe pollutant. Is c,uaed directly by such up- operation., If the "property demlge" II due , Ht, overturn or d.m'lll; .nd to thOH operation.; or 131 The "bodily Injury" or "property damege" Is III Thlt p.rtlcul.r Plrt of property thlt mUll be not olherwl18 excluded under plragraph NltoNd, rtpIlrad or repllced beceUII "your flllel of this exclu.lon. work" WI,'ncor/'lctly performed on It. Plragraphl fllfblend fllfdlllll of thl. exclu,'on do PI/'Illraph (21 of lhl. exclullon dOlI not Ipply If nollpply to "bodily Injury" or "property dlmege" the premlHI Ira "your work" Ind WI/'I never oc- c.uled by helt. .moke or fume. from I hoatlle cupled, rented or hlld for /'Intll by you. flra, Ho.tlle flra mlln. I fire which become. un- contralllble or brellea OUl from where It WlS In- Plrag/'lphs 131, (4), 151.nd (8) of thlllxclullon do tended to be, not .pply to lI.bllllV Illumed In I .Idetrack Illrllment. f. "Bodily Injury" or "property d.m.ge" due to lhe ownerahlp, m,'nlenlnc., UH or entru.lment 10 Plrallraph (8) of thla exclu.lon dOl. not .pply to olhera of In ",'reraft" or "Wltereraft" owned or "property d.m.ge" Included In the "producll- operaled by or renled or 100ned to In Insured. U18 campllled operation. h.urd," Includ.. operallon .nd "IOIdln" or unlo.dlng," "Property d.me"e" to "your product" ClUted by ,. This exclu.lon dOli not Ipply to: It or . Plrt of 11. m "W'lereraft" while ..hore on premises you k. "Property dlmlge" to "your work" clulld by It own or rent; or I Plrt of It Ind Includld In the "produCtl' completed oplnnlonl hlurd," 121 "Watercraft" you do not own lhat are: This exclusion does not Ipply If the dlmlged 1.1 Less than 26 feet long; end work Dr the work which CIU.es the d~mlg. WII performed for you by a subcontractor. .> fbl Not baing used to carry pelllons or property for a charge. CG 80281088 Plge 3 of 15 , - I. "Property dlmlge" to "Impllrwd property" or property lhlt hll not bHn phVllcllly Injured clulld by: 131 Reaultlng from the "hIDrdouI plOIIII1leI" of "nuclelr materlll:' II: leI The "nuclllr mlterlll": , 111 A dellcl, deficiency, Inldequecy or denger- OUI condition In "your product" or "your work"; or III IlItlny "nucleer fIclIlty" awned by. or opereted by or on behllf 01, In In- lUred; or 121 A dillY or IllIure by you or Inyonllctlng lor you to perform I contrecl or Igreemenlln IC- cordlnce with III tlrml, UII HII been dlachlrged or dlaperMd therefrom; Ibl The "nuclelr mllerlll" II conlllned In "lPlnt fuel" or "WIllI" It Iny time pol- Hlled. hlndled, uHd, proc"Hd, Itored, tl1lnaported or dlapoled of by or on Ilehllf 01 In Inlured; or 101 Thl "bodily Injury" or "proPlrty dlmlgl" IrlIII out of the fumllhlng by In InlUred of Hl'VIceI, I1lItlllIlI, peril or llIulpmlnlln connection with the plan- ning, conltructlon, I1lIlntlnlnce. oper- ation or UH of Iny "nuclelr facility:' but If IUch facility II1000t1d within the Unit- ed Slit.. 01 AmerlCl, III tll'ritorlll or poII..llonl or ClnedI, thlllUbpel1l- gl1lph 131 Ippllll only to "propII1Y dlmlgl" to IUch "nuclllr facility" Ind Iny property thel1llt. ,.. uled In thll Ixclullon n.: Thll Ixclullon dOli nOllpply to lhllo.. 01 UII 01 othlr property dUI 10 luddln Ind Iccldentl' phVllclllnjurylo "your producl" or "your work" liter It hll been pulto 1111nlended UH. m. Dlmlgll clllmed lor 11110", COlt or expenllln- currwd by you or oth.ra lor th.lo.. 01 UII. Wllh. drawII. reClIl. Inlpecllon, repllr, repllclmenl, IdJullm.nl, removll or dllpolll 01: 111 "Your product"; 121 "Your work"; or 131 "Impllred property"; Illuch product, work or property II wlthdrewn or recllled lrom the merklt or from UH by I person or orglnllltlon due to I known or IUlpected dIlICt, dtlIcllncy. InldlqulCY or dlnglroul con- dition In It, 111 "Hwrdoul propertl....lnclude redlolctivl, toxic or IlIf)loIive propertlll; n, "Bodily Injury" or "property dlmlge": 111 Wllh l1Iaplct to which In Inlurwd under thll policy II 1110 In InlUrwd undlll nucl.lr enll- gy IlIblllty policy IlIuld by Nucl..r Energy Lllblllly InlUllnCI AIIOclltlon. MutuII Atomic Energy IlIblllty underwrltlre, Nuclelr Inlullncl AIIoclltlon 01 Clnldl or Iny 01 thllr IUCCIllOII, or would bl In Inlured un- dll Iny luch policy but lor III tllmlnltlon upon IXhlulllon 01 It I limit 01 IIlblllty; or 121 R..ultlng lrom lhl hlurdOUI properti.. 01 nucl..r mlterllllnd with !'IIPIct to which: III Any person or orglnllltlon II required 10 I1lIlnllln flnlnclll protection puraulnt to the Alomlc Enlrgy Act 01 1954, or Iny Ilw Imlndltory thereol; or 121 "Nuclelr I1lItIriI,,, II1IInl "lOUreI mItIrilIl:' "apec:lel nuclllr matllll'" or "by-product I1lItlflll" ; III "Soultll1lltlrill:' "apec:IIl nuclllr mItIrilIl" Ind "by-product I1lItIt'lII" hew the IIlIInlng givln them In thl Atomic Energy Act of 18li4 or In Iny IIw Imtndltory thIreof; 141 "Spent lUII"lI1IInl Iny full """'nt or fuel componlnt, IOlId or liquid, which hel bien ulld or IXpOled to IIdlltlon In I "nuclllr rIIctor": III "Wille" ITIIInl Iny WIItIl1lIlIrIIl: Ibl Thelnlurad II. or hId thll policy nol been I..ued would be, entitled to Indlmnlty lrom the United Stltll 01 Amlrlcl. or Iny Igency thereol, under Iny Igree- menllnterad Into by the United SlItll 01 America. or Iny Igency thereol, with Iny pellon or orglnlzlllon. III Contllnlng "by.product matlllll" other thin thl IIl11ngl or MIl.. produced by th, ,xll1ctlon or conc,ntratlon of ul1lnl- um or thorium lrom Iry 0111 proc~ prlmlllly lor 111 "lOUrel mlterlll con- tint"; Ind CG 80 28 10 88 Pagl 4 01 16 Ibl Rllultlng from the operation by anv per- 131 A lIatute, ordlnanca or regulallon rellllng to 10/1 of organlza"on of anv "nucl.ar facll. th. ilia. glh. distribution or UII of alcoholic. ItV" Includ.d under th. flllt two bevellges. p.rao.raphs of the definition of "nuclllr This .xcluslon .pplles on IV II vou "' In lh. 'y facility," . busln... of manufscturing, distributing, 1111. lng, IIrvlng or furnllhlng alcoholic bewllgll. III "Nuclear facility" m.ans: p. "Bodily InJurv" due to the rendarlng of or failure III Any "nuclear reactor"; to render a profe..lonalservlca. Ibl Anv .qulpmenl or device daslgn.d or q, Damage bV fire to premllls rented to vou, ulld for: r. A duty to pav .xpenlls und.r anv medical PIV' m S.parallng lhelsotop.. of uranium m.nls cov.rag.. or plutonium; I, A duty 10 relmbura. an Insurer II required bV: 1111 Proce..lng or ull11zlng "sp.nl fuel"; - or 111 Th.terms of the Endolllm.nt For MOlor Car. rier Pollcl.. of Insuranc. For Public Liability mil Handling. proce..ing or psckeglng Und.r Sectlonl 29 and 30 olth. Motor Clr- "wI.te"; rl.r Act of 19110; or Icl Anv equipment or devlc. ulld for th. (21 The terms of a Ilmlllr andoraem.nt required proc...lng, fabrlcallng or allovlng of bV Itate or f.d.rallaw, "apeclal nuclear mal.rlal" II atanv 11m. COVERAGE B . PERSONAL AND ADVER. th.totel amount of luch mat.rlalln lhe CUllodV of lh. Inlured allh. premllls TISING INJURY L1ABILlTV whereluch equlpm.nt or devlcelsloCll' ed consilII of or contains more lhan 25 ,. Inlurlng Ag....m.nt graml of plutonium or uranium 233 or anv combination th.reof, or more than ., W. will pavon behalf of lhelnlurecl for "ulllmlt. 260 grams of uranium 235; n.tlou"ln .xc... of the "retalnad IIm/t" due to ., Idl AnV Itructur., bllln. .xcavallon, "peraonallnJury" or ".dvtnlllnglnjury" to which thlslnluranc. appll... No oth.r obligation or III' premllll or placl prepered or uaed for blllty to Ind.mnlfv or perform actl or IIrvlclI It th. 1I0rag. or dllpolIl of "Wllte"; cov.red unl... axpllcl1lv provided for und.r SEC- TION II - DEFENSE AND SUPPLEMENTARY And Includel th. lit. on which anv of the PAYMENTS. COVERAGES A and 8, We will have fOlllllolngllloClted, III operatlonl conduct- lh. rlghlto def.nd and "claim" or "Iult" ...klng ed on IUch III. and III preml... ulld for luch damlgll for "pellOnallnJury" or "advenll/ng In- operallonl; Jury" to which thlllnsurance appllel. bUl: 171 "Nuclear relctor" m.anl anv .pparalus 111 Th. amount we wllllndemnlfv for "ultlm.t. deIlgned or ulld to luslaln nuclear f1,,'on In natlo.."lllImlted II dllcrlbed /n SECTION a 1I1f'lupponlng chain raactlon or to conteln IV. LIMIT OF INSURANCE; I crlllcal mall of f',,'onabl. material: 121 At our dlacnlllon, we mav Inveatlgal. and 11II- (II "Propertv damag."lncludea all forms of redl- tie I "clalm" or I "Iutt"; OIcllve contamlnal/on of propertv, 131 We have a duty 10 d,'end "clslms" or "Iulll" o. "8od1lV Injury" for which an Insured mav be held not cov.red bV the "undarlvlng Inluranc." lIabl. bV rellon of: Ihown In the Sch.dule of Underlvlng Inlur- Ince;and 111 Caullng or contributing 10 thelntoxicallon of a p.raon; 141 We also have the duty 10 def.nd such "claims" or "sultl" lithe applicable limit of (21 Th. furnllhlng of alcoholic bev.rag.s to a th. "und.rlylng Insuranc." Is ulld up; but pel10n who Is und.r: 1&1 Both our right and dutV to delend .xlltlng or III Th. lagal drinking aga; or future "suits" and whan we hsva usad up tha )\ appllcabla L1ml1 of Insurancaln Ind.mnlllca" Ibl Th. Influence of alcohol; or tlon 01 Judgmen1s or salllements under Coverages A or B, CG80281088 Page 5 0115 ) - - ) b, Thl.lnsurance IPpll..lO "pellOnellnJury" onlv If clund bV In "offense" comml"ed: .111 In the "coverlgeterrllory" during the pollcV period; Ind 121 In the conduct of your bu.ln..., excluding Idvertl.lng. publl.hlng, broldclltlng or tlleclltlng done bV or for vou. o. Thl.ln.urance Ippll..to "edvenl.lng Injury" onlv If clused bV In "offense" comml"ed: 111 In lhe "coyerage lerrltory" during the pollcV period; end 121 In Ihe COUI'H of edvertl.lng your good., prodUC11 or servlc... 2. Illclullonl Thl,'nlurlnce do.. notlpplV to: I. "PIlraonlllnJury" or "edvertlllng Injury": 111 Due to the oral or wrl"en publlclllon of mllerlll, If done bV or It thl dllllctlon of the In,ullld with knowledge of III falllty; 121 Due 10 the oral or written publication of mllerlll whose flrat publlcltlon took pllce befolll the beginning of the pollcV period; 131 DUI to the willful vlolltlon of I penllllltule or ordlnlnce comml"ed bV or with the con. Hnt of the Inlured; or 141 For which the Inlurad hllluumed IIlbUlty In e contrect or Igl1llment. Thll Illclullon doel notlpplV to IIlblllty for dlmeg..lhlt the In. lUred would hive In thl IbHnce of the con. lract or Igreemen1. III To In officer, dllllctor or emplov" of the In- lUred due to lhll pellOn'l emplovmenl bV the Inlurad. III To In officer, dllllctor or emplov" of the In. lUred, or In Ippllclnt foremplovment bV the Inlured, OluNd bV the employment practlc.. of thelnlurad, Emplovment pracllc..lnclude WIOngful dlemlllll or WIOngfultermlnltlon of In officer, director or employ... b, "Advertl.lng Injury" due to: CG 80281088 111 Breach of contrect, other thin ml..ppropri. Itlon of Idvertlllng IdIU under In Implied contract; . 121 The flllure of gOodl, prodllCtl or Hrvlcn to conform with IdvertlNd qUlllty or "'" formlnce; 131 The wrong delCrlptlon of the price of goodt, producll or IIrvlc..; or 141 An "offenII" committed by In lneured whoee bUllne.. II edvertlslng, broedClltlng. pub- lIahlng or IIIICllllng. SECTION II. DEFENSE AND SUPPLEMEN. TARY PAYMENTS. COVERAGES A AND B When WI hive the duty to defend, WI will PlV on behelf of thelnlurad: 1. All expensel WI Incur. 2. Up to .260 for Call of bill bondl requlrad blClUII of Iccldenll or traffic IIW vloIetlona!'lllted to en ICCldent due to the u.. of e vehicle to which lhll polley eppllea. We do nOl hive to furnllh th_ bondl. 3. The COIl of bondl to ..... IttlChl1*lll, but only for bond emounl1 within the IppllClble Limit of 'nlUr- Ince. We do not hive to fumlah tllwl bondl. 4. All ntllOneble Illpen_ vou Incur It our reqUllt to M- 1111 ulln the Inveltlgltlon or the deftnll of I "clllm" or I "Iult." Thll Includll vour Ictullloll of IIml11ll1 up to .250 I dlV beclUII of time off from work, I. All COlli tlxed IIIllnlt you In I "lUlt" WI defend. I, "PIlI.judgment Inlll'llt" IWIrded .Inll lhelnlUrad on thlt pen of I Judgment coverad under thll policy. If WI offer thl IppllClble Limit of InlUlloclln little. menl of I "clllm" or I "lUlt," WI will not indemnify the Inlurad for I "pre-judgement Inte...t" ImpoNd or limed Ifter the dill of luch offer. 7. Alllntlrellllrned on thlt Pin of ejudgment within the Limit of Inlurance Ifter entry of the judgmlnt Ind before WI hlVllndemnlfied the InlUrad, offered to In- damnify, or dlpOllted In court that Plrt of Ijudgment lhltll wllhln the IPpllClble Limit of 'nlUllnce. "'vmentl under thll IIctlon of thl polley will nOl IlIduce the Limit of In.urence. "'ge 6 of 16 SECTION III . WHO IS INSURED .. Any oth., p.rlon or orglnlutlon who 1.lnlUlId und.r . policy of "undtrtylng In.urllnc.... Thtl 1. If you 'rI dlllgnlled In the D.cl'rllIon. ..: cover.g. IHorded .uch In.ulld. und.r'thll poll. , cy will b. no brold.r th.n th. "und.rlylng In.ur- .. An Indlvldu.l, you .nd your .pouse erllnsureds, .nce" except for thl. policy'. Limit of In,urllnc.. )) but only with rlap.ctto the conduct of a buslnlls of which you arl th. .01. own'r, f. A perlon or oru.nllltlon for whom you hive Igrted to provld,'naullnce such ",. IHorded by b. A perlnellhlp or Joint ventUrll, you IrII an In.urlld, thl. policy; but thll perlon or orulnllltlon II In Your membell, your parlne,., and their .pOUII. In,ulId only with IIIptCt to OPIrlltlon. performed arll .110 In.ured., but only wIth rnper.llo the con. by you or on your bthllf, or flclllll" owned or duct of your bu.ln.u, uHd by you. c. An oru.nlllllon oth.r th.n I plrlne,.hlp or joint 3. With II.p'Ct to: venturll. you arl In Inlulld. Your ex.cutlve oHlc'II Ind dlrlctorllrll Inlurld., but only wllh .. An "auto"; or rltIptCtto th.lr dutl.." your offiCI" or dlllCtOrl, - b, "Mobile equlpmlnt" rlIlI'.1I11d In your nlme un- Your .tockholdlll all 11.0 In.ured., but only with Fllptct to th.lr liability .. your 1I0ckholdlll, dlr I mOlor vehlcl. rlIlIlllrlllon Ilw; 2, Each of tha following '.11.0 In Inlurld: A pellon II In In.ulld whlll drivIng .uch ".uto" or "moblll equIpment" llong I public highway with your ., Your employ..., oth.r thin your ex.cutlve permlulon, oHlem, but only for ICIl wIthin the .cope of their Other person. or oruanlllllon.l'IIpon.lbll for the con- .mploym.nt by you, However, none of thIH .m. plOVIIIII In In.urld for: duct of IUch person III lito 1n1U1Id., but only for thtlr IlIblllty due to the opIIItlon of thl "lutO" or "'lI1.l.rId 111 "Bodily InJury" or "perlOnellnJury"to you or "mobile equipment," 10. co.emplOVll whll.ln tha coulle of hi. or However, the owner or Inyone elH from whom you her .mploym.nt; or hlrl or borrow In "lutO" I. In In.ulld only If thll 121 "Bodily InJury" or "ptt'IOnlllnJury" due to his "lutO" '.1 trllllar connected to In "IUtO" owned by ) or h.r providing or filling to provldl profll' you, IIonll h"lth Clrll HNlc..; or But no pellon or orulnlllllon IlIn Inlurlld und.r thll 131 "Property dlmlll'" to property owned or oc. perllgllph 3, for: cuplld by or rlnt.d or 100ned to thlt .m. ploye., .ny of your oth.r .mploVII', or .. "Bodily InJury" to . cO'lmploVII of the person parln.rI or m.mbtll (If you IrI I parln.rlhlp driving the ".ul0" or "mobile equlpm.nt"; or or Joint venturll. b. "Proparty dlmlg." to property owned by you or b. A PIf'IOn (oth.r then your .mplOVllI or In orulnl. thumployer of. person who IlIn In.ulld und.r IlIlon whlll Ictlng" your r..,.III1. mlnlg,,; thl. prov','on; or c. A perlon or In orulnlllllon hiving prop.r t.m. o. An "lutO" you hlra or borrow from on. of your POrllry cu.tody of your proparty If you dl., but parln.,., or .mploVIII, or membt,. of their only: hOUHhold..1f they Irllth.llWnIro! luch ",utd'; or IU With rII.pect to IIlblllty due to tha mlln. t.nlnc. or UH of thlt property; Ind d. An "IUtO" being ulld by, pIIIO/1 employed In the bu.lnlll of Hlllng, HNlclng, repairing, or park- (21 Unll1 your l.gII repreHnlltlv. hIt blln ap. Ing "IUtO." unl.u they Ire your .mploye.; or polnlld, .. Th. movamant of property to or from In "Iutd' d. Your l.gII rlprl.anlltlva If you die, but only with .xcept you, your amploVII', plrtnlre, I_I or rllptct to dullll a. .uch. That reprellntallve will borrowe,. of .uch aUlo .nd employell of th.le.. hlve.1I of your right. and ell of your dutla. undar He. or borrowe,.. Ihl. policy. ), CO 90 281088 Page 7 of 16 4, An orglnlzlllon vou nlWlv Icqulre or form, other thin e plnnerehlp or Joint venture. end over which you mllntlln ownerehlp or mljorltv Interell. will be dllmed 10 be I Nlmed Inlured, However: a. Coverage under thll provlllon Is afforded only until the 90th dlV aher you Icqulre or form the orGanl. IItlon or the end 01 the pollcV period, whichever II IIrller; b. Covlrage Is appllceble on IV In exce.. of the limits 01 the "underlying Inlurance" II Ihown In the Schedull of Underlvlng Inlurancl. You mUllldd luch orglnlzallon 10 vour "underlvlng Inlurance" allOon al poulble, advlllng UI of auch addltlonl. Wa mav than mske adjullmenl of premium - chargel II cllled lor In Condition 9, Maintenance of Un deriving Insurance, o. Coverage A dOli not applv to "bodllV Injury" or "propenv damega" lhlt occurred before you ac- quired or lormed the organization; and d. Coveraga B does not applv to "pereonallnjury" or "advenlslng Injury" due to an "offense" commit. ted before you acquired or formed the organ I. IItlon. No pereon or orgenlzatlon II an Inlured with relpect to lhe conducl ola currenl or PSlt pannerehlp or joint venlure that Is nOllhown as a Named Inlured In the Oaclanlllons, ) SECTION IV. LIMIT OF INSURANCE " The Llmll ollnlurance Ihown In the Oeollnlllonl and lhe rulll below IIx the mOlt we will Indemnify regard. Ie.. of the numbar 01: a, Inluredl; b. "Clllml" mlde or "Iultl" brought; or c. Pereonl or organization I making "clalml" or bringing ".ult.... 2, Thl Policy Aggregate Llmlll. the mo.l we will pav for: a. All "ulllmate net loae" under Coverege A and Coverage B combined. except the "ultlmlle net Iou" becauH 01 an Injury or dlmlge arl.lng from the "automobile hazard." b. Each "occurrence" with regard to "ultimate net 10.... becauH olan Injury or damage due to the "automobile hazard." 3, II the Limit of In.urance Is paid prior 10 thl. pollcV's ter. mlnatlon date lor losses olher than losses due to the "automobile huard," this pollcV's premium Is fullV earned, ) 4. The Limits 01 Insurance applieD eeparately 10 each con. secutlve annual period, and to any remaining period CG 80281088 of III' than 12 month., IIlnlng with thl beginning of the pollcV period Ihown In the Oecllra1lon.. unleu the pollcv period I. eltended aher luulnce for In' Iddl- tlonal period 01 Ie.. than t2 monthl. In thaI caH, the additional period will be d"med plrt of the lasl preceding period for purpoae. of dltermlnlng the Limit of In.urance. SECTION V - COMMERCIAL EXCESS POll. CY CONDITIONS 1. Appeal. If the Insured or an "underlvlng Inlurer" .1. not to Ippeal I judgement which exClldI the "retained 11m 11," we mlV eleel10 do 10. Wuhlll be IlIble.ln ad. ditlon to the Llmll ollnlurance, for all COlli, taX", ex- penH' Incurred and Intlrnt on ludgmenta Incidental to .uch In appeal. We IhllllllO be IlIble for allluch COlli, expenHI Ind Interut on appeal. In connection with our rlghl and dutv to defend the InlUred under SECTION II. DEFENSE AND SUPPLEMENTARY PAYMENTS. 2, Bankruptcy Blnkruptcv, InlOlvencv or recelverehlp of theln.ured. or of the InlUred'l....tI or 01 anv "under1ylng InlUrer" will not relieve ua of our obllgatlonl under thll Policy. But with regard to blnkruptcy, InlOlwncy, or _iWlr- Ihlp of en "underlylnglnlUrer," thil policy thell noUp- plV II a replacement of luch blnkrupt or InlOlvenl Inlurer; Ind our IImlll of InlUnlnce wllllpply only In IllCIU of the required Ilmhlll oIlnlUnlnce ItIlId In the Schedule of Underlvlnglnlunlnce of thll policy, 3. Clncellallan a. The flret Named Inlured Ihown In the Olclara. tlonl mav cancII thll policy by delivering It to u. or to Inv of our luthorlzed Igenta or bV Hndlng UI wrlnen nOllcellltlng whln the futu", clncel. IItlon will tlke effect, Clncellltlon wIU became.,. fectlve the dlte of delivery of tha policy to UI or the dlte reqUllted bV the flret Nlmed InlUred, b. We mav clncel thll pallcv by ITIIlllng or deliver. Inglo the llret Nlmed InlUred wrmen notice of clncelletlon et lellt: (1) Ten nO) dava before thultectlvedate of Cln. cellallon If WI clncel becIUH 01: lal Nonpavment of premium whether: III Payable dlrectlv to UI; or un Payable to our agenls or olhere un. der an In.tallment payment plan, premium finance plan, extension 01 credit or other payment plan; Page 8 0116 Ibl A bankruPtcy or debtor relief proceeding Notice of In "occurrencI" or In "offlnM" II "01 brought bV you or Igllnll you; or nOllce of I "clllm." 12~ ThlrtV (30) diva beforelhe effectlvII dlle of b. If I "clllm"ll midi or I "lult"ll brought Igllnll Clncelllllon If we cancel for any olher realon, In Inlured, you mUll: )) c, WI will mill or deliver our nOllce to the flnll 111 Immedlltelv IlIClOrd thl IPIlllflCl of thl Nlmed Inlured'lllSt mailing addreaa known to "clelm" end the dltlrecllved; Ind u.. 121 Notify UI al lOon.. prectlClbll. d, Notice of clncellatlon wlllltate the effective d.te of cancell.tlon, The pollcV period will end on that You mUlt '" to It thlt Wlrecllve wrlttln notlcl dlle. of the "clllm" or the "lUlt" 1..000 II pnIctlClble. I. If lhll pollcV II cancelled. we wllll8nd the filiI c. You Ind III other In.uredllnvolved In IUch "clelm" Nlmed Inlured Inv premium refund due, If WI or ".ult" mUll: - clncel. thl refund will be pro 11I11. If the flllt Nlmed Inlured clncel.. lhe refund may be lell 111 Immedlltll'( ..nd UI coplll of Iny dlmlndl, thin pro 1111. The clncellltlon will bl effective notlClI, lummonlll or IIgII PlpelllllClllvtd even If WI hlVll not mlde or offered a nrfund of un. In connlctlon with thl "clllm" or thl "Iult"; Ilrnad pllmlum, 121 AUlhorlzl UltO obtlln recordl Ind othlr In- f, If notice I. milled, proof of mailing will be .uffl. formation; clent proof of notice, 131 Coopellltl with u.ln the InVlll/g1t1on, ..ttll- 4. Ching.. minI or dllln.. of thl "clllm" or thl "Iult"; Ind Thll pollcv conlllnl IlIlhl agreemenl1 bllWlln you Ind u. conclrnlng lhlllnlUnlf1Ce, The filiI Nlmed In. 141 AIII.t UI, upon our NqUlSl, In thlenforcl- lured II IUlhorlzed to mlkl chlnge. In lhl tlrml of ment of Iny rlghl Igllnll Iny pIIWOn or or- thll pollcV with our con..nt. Thll pollCY'lterml can glnlZltlon which may be IlIble to the InlUred be lmended or Wlived anI'( by Indorllmentluued bV bIcIu.. of Injury or dlmlglto whk:h thllln- UI Ind midi I PI" of thll pollcV, WI .hlll not be IUranCI mlY 1110 Ipply. )J bound bV In I.'gnmlnt of Intlreel by In Inlured un. _our conMntto luch llIignmentll Indolled onto d. No Inluredl will, IXClJltlllhllr own cDlt, volun. lhll pollcV, tlrllv mike I Plvmlnt, I.uml In obllgltlon, or Incur an expenM without our conllnt. I. Dutlll In Thl Event Of Occurrence. Claim Or Suit, .. EXlmlnatlon of '!bur Boob Ind RICOrdl I, '!bu mUll HI to It thlt WI or our luthorlzed IlIPrelenlltlve Ire nOllf1ld a. loon I. practicable WI mlY ex.mlnl Ind ludlt your boob 100 recordl.. of: they rellte to thll policy Itlny time dUrlngthl policy periOd end up to three velre Iftlrwerd. 111 An "occurrence" which mlY relult In a "clllm" undar Coverege A; or 7. InepeCllonl Ind SUMyl 121 An "offen.... which mlY reeult In a "claim" WI hive thl right bUl Ire not obllglted to: under Covlllge B of thll policy. .. Mike Inlpectlonl Ind IUMylltlny time; To the eXlent pOlllble, nOllce .hould Include: b. Give you repo". on thl condltlonl WI find; Ind 111 How, when Ind where the "occurrence" or al. leged "offenn" took pllce; c. Recommlnd chlnge.. 121 The Inlured'a neme and addrell; Anv InlPllltlonl, IUMyI, I'Ipom or recomll1lndetlonl WI makerellte only to Inlureblllty Ind thl premluml 131 Tha namel and addressea of any Inlured per. to be cherged. We do not makeaefety InlplClionl. We aona and wltneaaea; and do not unde"ake to perform lhl duty of any pellOn or organization to provide for the health or "lIty of wor- 141 The nature and location of env Inlury or kell or the public. And we do not warrant thlt con- damaga arlalng out of the "occurrence" or dltlonl: )) "offense:' CG80281088 Page 9 of 15 I. Are ..fe or hllllhful; or b. ComPlv wllh lewI. regulellonl, codll or IlIndardl. . Thll condition appll/ll nOI onlv 10 UI, bUllllo 10 Inv riling, Idvllory, rill IIrvlce or Ilmllar orglnlzlllon which mikes Inaurlncllnlpeullona, lurvlVl, repons or recommendlllonl on our blhelf. .. legll Acllon Agalnll UI No pillIOn or orglnlzallon h.. I rlghl under Ihll policy: I. To foln UI .. I Plrty or olherwl.. bring ullnlo I "lUll" alklng for damlgea from In Inlured; or - b. To Iue us under lhll pollcV unll" III of Ilsllrms hive been fullV compllld Wllh, A plllon or orglnlzlllon mlV IUI UIIO recover on an Igreed 111Ilemlnl or on I IInll Judglmlnllgllnllln Inlured oblalned Ifler In IClulllrlal; bUl we will nOI be liable for dlmagll: I. Thill,. nOllndemnllllble under lhelerml of lhls pollcV; or b. Thll ere In exclla of lhl Ippllclble IImll of In- IUllnce. J) An egrttd IInlemenl mllnl I ..nlemenllnd relll.. of IIlblllly Ilgned bV UI, lhllnlured Ind the clllmlnl or Ihl clllmanl'lllllll reprellnllllve. .. Mllnllnlncl of Undlrlvlng Inlullnce You mUll keep Ihe"undlrlvlng Inlullnce" dllcrlbed In Ihl Schedule of Undlrlvlng Inlullncl of Ihll poll. cy In full force end effect during the policy period of lhll policy. Thlllncludll renewell or repllcement poll. clll nOI more rellrlcllve In lerml Ind condltlonl. The Umlll of Inlullnce mUlt be mllnlllnld wilhoul reduc. lion olhlr lhln bV pevmlnt of 10.... covered Ihereun. dlr. You mUll 1110 Inform UI wllhln 30 dlVl of: I. Anv clncelllllon of Inv policy of "underlvlng In. IUrlnee"; or b. RlIlllcemenl of Inv pollcV of "undlrlvlng Insur. Ince" bV Ihe "underlvlng Inlurer" or Inv olher Inlurer. Your flllurelo comply Wllh Ihe foregoing Ihlll nOlln. wlldlle Ihll policy; buI, In lhellVlnl of luch flllure. we will be IIlble under Ihls pollcV onlv 10 Iheexlenllhal we would have been liable hid you complied with Ihlle obligations, ) CG80281088 You mUll nOllfy ullmmtldllllly of Inv chlngeelo the lerml of any "undlrtvlng InlUllnce" P,DlIcIee. We ITIIV mike IdIullmenl of premium chelVll under Ihle polley from Iheeffecllve dill of luch chlngll to Ihlllrml of Inv "underlvlng Inlullncl" pollclll, 10. Other Inlurlnce If olher vllld end COlllcllbleInlullnclII IVllllbl1 10 Ihllnlured for "ulllmlll 1111 Iou" we cover under lhle pollcV, our obllglllonl undlr Ihle policy lrellmllld II followa: I. EllcI.. Inlullnce Thle InlUrlnCIII IXceII over Inv other IllIUrence, whllher prlmlry, IXceII, conllngenl or on Inv other bllll, IXCept luch IllIUllnce..1e IpICIfIcII- IV purchllld to IPPIy In IXCIII of lhle pollCY'1 Umll of InlUrlncI. We will plV onlv our Ihlre of lhe Imounl of "ultl- mele net 10"," If Inv, thlt Ixclldl the IUm of: C1I The 10111 Imounl lhet llIlUCh olhlr Inturence would plV for thlloeeln Ihl IbllnCl of lhll Inlullncl: Ind 121 Thl 10111 of III deducllbll Ind 1Itf-lnlUred Imounl1 under Ihll or Inv olherlnlUrenc.. b. WI will hive no duly under Covellll" A or 8 to defend Inv "clllm" or "1U1t"lhet env othlr inIu.., h.. I duly 10 defend. If no olherlnlUIW dIfenda, we mlV undlrtake 10 do 10, but we will be entltlld to thllnlured'l rlghl Igllnlllll olher InIUrell. 11. Premium Audit I, We will com pull III premluml for Ihle polley In IC- cordlnce wilh ou r rulll Ind 111... b. Thl premium Ihown In lhll policy .. IdvencI premium II I dlPOlll premium only. At the clOll of IIch ludll period, we will compute tIlt..mId premium for that period. Audll premlulllllre dUI Ind PlVlblI on notlcllo thl III1t NlmtId lnaured, If thelUm of lhlldvlnce Ind ludlt premlullll peld for Ihl policy llrm II greellr thin tilt ..mid premium. we will relurn thl 111_ to tilt flllt NlmtId InlUred, ThIIwwillbe noretumlflUChlu- dll premium 11111I thin Ihl Minimum Premium Ihown In thl Olcllrellonl. c. Thl 11111 Nlmed Inlured mUll kHP recordl of the Informlllon we need for premium compullllon, Ind SInd us coplll II luch Ilmll .. we mlV requIII. Plgel0 of 16 12. Pmnluml The llrat Nlmed Inlured Ihown In the Declerellons: . . I, Is relponllble for the payment of ell premiums: Ind b, Will be the payee for eny return premiums we pay, 13. Represenlatlona By ecceptlng this policy, you agree that: I. The Informltlon shown In the Declarltlonlll ac. cUrlte Ind complete; - b. The Informlllon II bllld upon reprelentltlonl you mlde to UI In your Ippllcltlonll' for thll policy; c. We hive I..ued thll policy In reliance upon your rlprellnlltlonl: and d, Thlt thll policy II void In Iny call of frlud by you "rltlng 10 It. It II 1110 void If you Intentionally con. CHI or mllreprellnt Iny mllerlal flCl1 concern- Ing thll policy In your Ippllcltlon for lhll policy or otherwlll. 14. Slplrltlon of Inluredl Except wl1h rwpect 10 the LImits of InlUrlnce, Ind any rlghll or dutlaa apeclflcelly llIlgned 10 the III1t Nlmed InlUred. thlllnlurlnce Ippll..: I. ,., If elch Nlmed Inlured Will the only Named Inlured; Ind b. Separallly to elch Inlured agllnll whom I "crllm"ll midi or I "Iult" II brought, 11, Sole Agenl The Nlmed Inlured llrat Ihown In thl Decllrltlonlll luthorlzed to ICt on bahllf of IlIlnlUrldl with relpecl to giving or receiving notlc. of cenclllltlon, receiving lWfundl, Ind Igllllng to Iny chlng.1 In thll policy. ", Trlnsfer Of RIghl1 Of Recovery Agalnll Othl" To Us If th.lnlured hll rlghtl to recover III or pin of ;ny In- d.mnlflclllon WI hive mlde under thll policy. tholl rlghl1 Ire trlnsferred to UI. The Insured mUll do noth. Inglfler 101110 Impllr them, At our requelt. the In. lUred will bring "1U1t.. or lnmater tholl rlghtl to UI Ind h.lp UI .nforce th.m. Any rscoverles shall be applied flnst to relmburae any Interes" "ncludlng lhe Insured I that may have paid any amounts In elce.. of our liability under this policy; CG802B 1088 ---.--.-.----. - then to "lmbulH UI for Iny Indemnity hereunder; Ind 11111'1 to relmbulH luch Inllrelll Uncludlf1g the In- suredl as to which this policy I..xc..., II Ire entltl.d to the relldue, If eny. When we e..llt In punsult of the InlUred'l rlghll of recovery. relultlng rellOnlbll ex pen... Ihlll ba IP- pOr1loned Imong ell Inllrell1 In thl rltlo of thllr relpectlve 10.... for which recovery IIIOUllhl. If there Ihould bl no recovery .. I relult of procHd- Inllllnllltuted lolely II our requell, welhlll bllr III expenlel of luch proceedlngl. 17, Trlnlfer of Your Rlghtl Ind Dutl.. Under Thll Policy Your rlghtl end dutlel under thll policy mlY not b. trlnsferrld without our wrlnln conlll1t Ixcept In thl C.II of dellh of In Indlvldull NlmecI InlUred. If you die, your rlghtl Ind dutlll will ba trlnllferred to your leg.1 reprellnt.tlv. but only while Ictlng within th. ICOpe of dutl.... luch. Unll1 your Iegll "prllln- 1I11ve II Ippolnted, Inyone h.vlng proper IImporlry cUllody of your property will hive your rlghl1 Ind dutlel but only with relpect to thll property, 1.. When We Do Not Renew We may non. renew thll policy by milling to the IIr1t N.med Inlured wrlnen nOllce of the non-rill_lit 1111130 deva bafore the explrltlon dete of thle policy. If notice II milled. proof of milling will ba IUfflclent proof of nOllce, ", When W. Intlnd to Pay I Lo.. Our IIlblllty for Iny portion of "ultlm.te net 10II"1hI1I not Ipply until thllnlured or In"und.rlylnlllnlurlr" 1Ih.1I ba obllglted to PlY the "rI!llned limit," When "ulllmlle n.llo.... hll been dallrmlned. the lnaured IT1IV mag claim for Indemnity under thll policy .. lOon II prlctlceble. Such Inlured'l obllgltlon to pey .ny Imount of "ultimate net 1ou"1hI1I have been fln.lly determined: I. By fudgment Igllnlt lhe Inlured Ifl" IctuII tri- ll: or ) ,) b, By wrlnen 11II'IIment of the Inlured. the clalm.nt Ind us. 20, Your Right to CI.lm and Occurrence Information We will provide thl IIr11 Nlmed Inlured thl following Informal Ion relltlng to thll end any prlcedlng com- mercial excen policy we have Issued to you during the previous three yeara: ) Page 11 of 15 I, A 1111 or othll record of Ilch "occurrenc," or "offtn..:' not pl'IVlou.ly reponed to Iny other In. .urer. of,whlch WI Wlr' nOllfl,d In Iccord.nce with paregllph 5,1, of thl. ..cllon, We will Include th, d.lI.nd brief dHcrlpllon of th. "occurrence" or th. "oft..".... If thltlnformltlon WI' In th. no. tlce we received. b. A lumm.ry by policy Vllr of Ind.mnlty emounll plld .nd .mounll renNed .1.ted IIp.retelv un. dll .nV Ippllc.bl. policy ".ggreget.llmlt," Amounll re..rvId Ire b.Nd on our Judg.ment. They I,. .ubl.ctto ching. Ind .hould not b. reglrd.d II ultlmll' ..ltl.m.nt vllulI. _ If WI clnc.1 or ,I.ct not to ,.new thll policy, WI will provide .uch Informetlon not 11111 thin 30 dlVI befolll the dill of policy tllmlnetlon,In othll clreumlllnclI, M will provld. thl. Informetlon only If we rec.lv. . wrln.n nIllUHt from th. 11,.1 N.med In.ured within eo dlVllftll th. .nd of lh. policy period. In thl. ca.., WI will provld.thlllnformltlon within 45 dlY' of rec.lpt of th. reqUllt, ) We compll. "cl.lm" .nd "occur,.nc."lnformltlon for our own bu.lnl.. purpo_ Ind ...rel.. rellon.ble cI,.ln doing 10, In providing thlllnformlllon 10 the flllt Nlmed Inlured, WI mlk. no repre..ntetlonl or Mlllnt'" to InlUredl, InlUrell, or othetllo whom thll InlorINtlon II furnllhed by or on behllf of Iny Inlured, Clncelll1lon or non._1 will be effecllve IYen If we lnedv.n.ntly provld.lnlccullt.lnformltlon. SECTION VI . DEFINITIONS 1, "Adwnl.lng InJury" mllnl Injury clu..d by onl or more of th. folloWing ..oft.n..I..: I. Orel or wrltt.n publlcltlon of metllllllhet: 111 Sllndell or IIb.11 I p.rlon or orglnlz.tlon; 121 DllplllglI . parlon'. or org.nlz.tlon'l goodl, produCIl or ..rvlclI; or III Vlolltll I parlon'l right of prlvlcy; b, Mlllpproprletlon of .dwnlllng Ideal or Ityle of doing bUllnl..; or c. Infrlng.m.nt of copyright, title or Ilogan, 2, "Alrcllft.. mllnl Iny hllvle",han'llr or IIghter'lhan. .Ir vahlcl. dlllgned to trevel principally In the air 10 trlnspon perlonl or property, "Alrereft.. doel not mlln howrereft. "Alrcllft.. dOli not Include any ve. hlcle or device .peclflcally deSigned for ll11vel or use oUlllde the Eanh'l alma.phelll. CG 80 28 10 88 3. "AgglIIgetellmlt" mllnlth. IN.lmum .mountlllt. ed In the pallcv for which th. InlUrer Will bellabl., IIIglrdle.. of the number of COVttred ..claim.... 4. "AU10" m~'n. e land motor vehicle. trlll.r or 1IIIl1. tllller dlllgned for trlVttl an public roadI.lncludlng It- IIched mechlnery or equipment. But"luto" dOlI not Include "mobile equipment," I. "Automoblla h.zerd" mNn.lllblllty dullo th. owner. .hlp. u... or "loading or unloading" of Iny ".uta." .. "Bodily Injury" mllnl bodily InjulY. alc:k.... d..... Ihock, frlghl. m.nllllnJury or dlublllty IUllIlned by I nllurll pellOn, .nd Includaldellil from Iny of ~ It Iny tlm.. 7. "Clllm" mllnl: I, Any demlnd upon th,'nlured for dlmagll; or b, The nNlc. of ".ult" paperl or Irbltretlon proceeding. 1IIIIIIng IlIblllty of th.lnlUred Due to In "occurrenc." or ..offen.... which may or mlY not b. cowred by thll policy. "Claim" dOlI not Includ. repon. of Icclden1l. or "occunwnc..," or Iny acl.. llroll. ..offen..... or omlulon. which may give rill to a "clllm," .. "Cov.reg.terrltory" mNnl Inywh.re In the world If the Inlured'. mponalblllty to pay dlINgH II deter- mined In I ".ult" on th. merlll, In the United SlItH of Am.rlcIUncludlng 111terrltorin Ind pon..'onII, Pu.no Rico Ind CllIIda or In I ..llIement we IIgIW to. I, "Impaired property" mNnlllnglbl. property, other thin "your product" or "your work:'thlt C1nnot be uMd or I. I... ullful blcau..: I, Itlncorpolltll "your product" or "your work" thltll known or liIoughtlO be dmctIvt, deflclent, Inldeqult. or dlng.rou.; or b. You hew filled to fulflllthellro1l. of I ContllCt or Igreement; If .uch property cln be rellored to u.. by: I. The repair. repllclltMlnt. edjullmlnt or _I of "vour product" or "your work"; or b. Your fulfilling th. l.rm. of lhl cantllct or Igreement, PIge 12 of 16 10. "Inaulld conlllcl" m..n.: .. Aft.r It II mowd from lhe pllc. where It I..CCapl- .d for movemlnl Into or onlo .n "llrellft," .. A 1111. of pllml...; "wat.rcrlft" or "Iuto"; b, A .,d.trlck .gll.m.nl; b. Whll.III.'n or on .n ".Irellft," "WlI.rellft" or ) "Iuto"; or a. Anv ....m.nl or IIc.n.. ag_m.nlln conn.cllon wllh v.hlcl. or p.d..trl.n prlvat. lll1ro.d cro... a, Whlla IIII being mllllld from .n ".Irellft," "M..,' Ing. .1 grad.; or Clift" or "aula" 10 Ih. pl.c. whlII It I. t/nlllv d.llv.red; d, Anv olh.r ....m.nl agll.m.nt, ..c.pt In con. n.cllon with con.lrucllon or d.mollllon Opell' But "Ioldlng or unloading" don not Inclucla Ih. lion. on or wllhln 60 fHt of I lll1rold; movem.nl of propertv bV man. of I mechanlClI devlc., olh.r Ih.n . h.nd truck, th.t II not .ttached ., An Ind.mnlrv Igrwem.nt In f.vor of. munlclp.lI. to the "alrcraft," "Wltlrcraft" or "IUfo." rv.. Nqulrad bV ordln.nc., ..c.Plln conn.cllon wllh work for I munlclp.llrv; 1Z. "Mobil. equlpmenl" I1lIInl .nv of lhe following lVP'I - of llnd v.hlcl.., Including Inv Ittached mecl1lll11V or f, An .I.valor m.'nl.nlnc. conl11ct; or equlpm.nl: lI, Thlt p.rt of Inv olh.r contllcl or .lIrwem.nl p.r. .. BulldllZltl, farm mechlnarv, forkllfta Ind othttr lie- t.lnlng to vour bu.'n... und.r which VOU ...um. hlcl.. dtIIgned for u.. princlpellv off public roIda; Ih. 10rt lI.blllrv of Inolh.r 10 PIV d.m.g.. b.. ClU.. of "boclllV Injurv" or "propertv d.m.g."lo b, V.hlcl.. m.'nl.'ned for u.. IOI.,V on or n..t to · Ihlrd p.raon or org.nlzlllon, If lh. contllcl or Pllml... VOU own or IInl; .lIrwem.nt I. m.d. prior to the "bodllV InJurv" or "propertv d.m.g.,.. Tort lI.blllrv man. III.blllrv a, Vahlcl..lhlll11vel on cllwler IIIldl; thll would be Impo..d bV ,.w In lh. .bHnc. of .nv conlllcl or .gre.m.nt. d, Vahlcl.., wh.lh.r ..If-propelled or not, on which .11 p.rmln.nIIV mounted: An "In.ured conlllcl" doa. not Includ. thlt part of Inv conlllct or .grwem.nl: C1I Power cran.I, .hovel., lo.d.ra, dlgll.II or , drllll; or ., Th.llnd.mnlfl.1 .n lrehlt.ct, .nglneer or .ur. Ye'(Or for Injurv or d.m.g. ,,'.'ng out of: IZ' Road con.trucllon or I'IIUrllclnll equlpmenl luch a glld.ra, ICllpera or rolllll; 11' Pllperlng, Ipprovlng or failing to Pllpere or IPproV. map., dllwlng.. opinion., IIPOrt., .. Vahlclll not dllCribad Ina" b., c. ord.lbovethat aurvava. ching. Ordlll, dlllgn. or IllICIt/ca. .11 not eelf-propelled Ind.II melnlalned primer- I10nl; or Ily to provld. moblllrv to perm.n.nllv Ittached equlpm.nt of the following rvpe.: IZ' Giving dlrecllon. or Inltructlon., or failing 10 91v.lh.m. If Ihallllh. prlm.rv c.u.. of Iha 11' Air compllllOra, pump. Ind g.n.lltora, In- Injurv or damag.; cludlnlllpraylng, Mkllnll, building cllllnlnll, gaophvalcallXp/orltJon, lighting .nd MIl..,- b. Und.r which Ih.'naurad,1f In .rehl1ect, .nglneer vlclng equlpm.nl; or or aurvevor, llIUmelll.blllrv for InJurv or damlg. "'Ilng out of th.ln.urad'a "lnd.rlng or f.lllng 10 IZ' Ch.rrv pickell Ind .Imllar devlc.a ulld to 11ft IInd.r profllllonal ..rvlc.a, Including but not work.ra to h.'ghla; IImll.d to tho..II.led In a. .bove Ind .up.rvl.o. rv, Inlplcllon or .nglnHrlng ..rvlc.l; or f. Vahlcl.1 not dllcrlbad In I., b., c. or d. lbove mllnlllned prlm.rllv for purpo... olh.r Ihln lh. a. Th.llnd.mnlfl.1 anv p.raon or organization for IIIn.port.tlon of p.raon. or cargo. damage bV fill 10 preml... renl.d or loan.d 10 vou. Howev.r. ..,f.prop.lled vehlcl.a wllh the follow. Ing rvpel of p.rm.nantlv Inached aqulpm.nlare 11. "loading or unloldlng" m.ans Ih. handling of not "mobll. .qulpm.nt" bUI will be conlld.red prop.rtV: "autos": ) CG 80 28 to B8 Pag. 13 of t5 111 Equlpm.nt d'llgnld primarily for: 1.1 Snow remov.l; ). . . Ibl Ro.d m.ln18n.nce. but not conltructlon or ,..urflclng; lei Slreet cl..nlng; 121 Cherry plckerl .nd .Imller devlcel mounted on .utomoblle or Iruck ch...I. .nd und 10 11118 or lower work.rI; .nd I~I Air COmp,.I.Orl, pump. .nd gln.rllorl, In- cluding IPllylng, welding, building cie.nlng, geophyalcallxplorltlon, lighting Ind well..r- vlclng equipment, - 1~. "Occurrence" meln.: .. With re.pect to "bodily Injury" or "property d.m.g.:' .n .ccld.nl, Including contlnuoul or repe.led expolure to lubll.ntlllly the nme g.nlrll h.rmful condltlonl; or b, Wllh lllpeCtlo Imployeel of lhe Nlmed Inlured, "bodily Injury" clulld by eccldenl or dl...n. 14, ..Off.n.... me.ns Iny of the offenleslncluded In the definitions of "edvenlslng InJury" or "perlOnsllnjury:' .J 11. "Perlonsllnjury" mllnllnjury, olher lhln "bodily In- jury," cau..d by one or mOil of the following "offen..." : ., FII.. Ir,.sl, dlllnllon or Imprllonmenl; b, Mlllclous pro"cullon; c. Wrongful entry Into, or evlcllon of e pellon from, I room, dwelling or premlnsthllthe perlon oc- cupies; d. Orll Dr wrlllen publlc.tlon of mlterl.lthll: 111 SI.nderl or IIblls I perlon or orglnlz.tlon: 121 Dlspereges I perlon's or orgsnlzlllon's goodl, products or nIYlcel; or 11, ., I~I Vloleles e perlon's right of prlv.cy, "Products.compleled opelltlonl hu.rd" In- cludel.1I "bodily Injury" end "property d.mege" occurring .w.y from premises you own or renl .nd c.used by "your product" or "your work" Ixclpt: 111 Producls lhel ere sllIIln your physlcel posses- sion; or ) CG802810B8 l?ol Work thll his not ~1 been completed or Iblndoned. b. "Your work" will be dnmed compllted Itlhl elrllest of the following tlmn: 111 When III of th. work called for In your con. trlcl hll betn compllted. 121 When .11 of the work to be don..t the IIlte hili been complelld If your conlllCt calli for work II more lhln onelltl. I~I Whln thlt IlIn of lhe work don. "' job Ilt. hid been put to IlIlntlnded u.. by .ny per- son or orglnlzatlon oll11r thin .nother con- lrIctor or subconlrlctor working on the_ proJICt. Work thltll'll'( need aervlc.. melnleMnce, correc- tion, ,..,.Ir or ~t. but which lIothetwi11 compllte, will be trilled IS completed. c. This hlzard dOlI notlncludl "bodily Injury" or "proPlrty dlmlg'" csulld by: 111 Th.trlnaporlltlon of property, un_the In- jury or dlmlg. srl..s out of I condition In or on I vehlcl. crelled by th. "'oedlng or un- loading" of It: 121 The exlatenc. of l00fs, unlnllllled equipment or Iblndoned or unulld mlt.rllla: 17. "p,.-judglmentlnt.rllt" meanllnltrllt.dded to I IIllI.m.nt, verdict, lwerd or judgem.nt beNd on the Imount of time prior to th...ltltmtnt, wtdlct,_rd or judg.m.nt wh.ther or not mid. p.n of the ..lilt. m.nt, v.rdlct, lwerd or judg.ment. 1.. "Property dlmlge" m.lnl: .. PhyslclllnJury 10 ltnglbl. property, Including III relulllng Iou of un of thlt property: or b. Lou of un of tlnglbll property thalli not phyal. cllly Injurld. 1.. "Rltllned limit" m.lnslhl grelter of: .. Thltlmount of "underlying Inlurlnc'" Ippllca- ble to I "clllm" or I "suit:' whether such "under. lying Inlurlnce" II collectible or not; (jr b. Thllmounl of "nlf Inlurld "'ltnllon" IlIhown In the Declllltlonl of thll policy. ZO. "Self Inlured re18nllon" munsthe doller lmountllll- ed on the Dsclelltlonl Plge. Plge 14 of 16 ;\ ..- IJ'l r:; 1'- ,', ''') ~i .. ,., '" ' . ')...t }I~-' 1") ;..) rtf': :'': f.J :.... J...... ,.. ~'!~:J ~r:-: C'J . .:-:.) + - .~ .; ft'~.' rn i,)l:a r.: lJj ~ '1.1,.. L>. " 11- ", ~'''j 0 Gl U , ~- Cf'l h- _.' ; I,:: .. ~ .:;: lll~) 0-.. ' , IT: ~, ) ~- i.... '.' lor" '''; ~:1 ;1 0'. ~( , , ~:2 r, \t) liJ'" ] ,.'; C',.. L-l :~l .... 1:.1 , u.. I" ... I!"] , , tfl i... ~ ' " WILLIAM 1', DOUGLAS, ESQUllm A'ITOI~NEY (,D, # :l7~26 DOUGLAS, DOUGLAS & DOUGLAS 27 West High St. P.O. Box 261 Carlisle, I'a. 171113 Telephone: 717-243-17!l1l Attorney for Plainti ff LARRY UHi ,\SSOCIATES, INl'. VS, TlIIi 011/0 CASUALTY INSURANCE COMPANY : IN TIlE COURT ai' COMMON I'I.E,\S : 01' CUMIlERI.AND COUNn', PENNA. : CIVIl. ACTION I.,\\V DECLARATOfn' JUfJG~IENT : NO. 11J<J6.29U Civil Tt'rl11 JUf~Y TRIAL f)E~IANDlif) 22. Denied, The defense of laches is not applicable, as the defendant filed suit within hours of learning that Ohio Casualty was contemplating a denial of coverage. 23. Admitted. 24. Denied as stated. All coverage is determined by the entire contract of insurance. 25. Denied, The plaintiff made no material misrepresentations, and, therefore, the defendant is required to provide coverage. 26. Denied. The plaintiff is entitled to coverage because there was insurance in force on the date of the accident with the defendant. 27, It is admitted that this is an excerpt of the contract of insurance. 28, Denied. At no time did the plaintiff fraudulently, intentionally conceal or intentionally misrepresent any matlt!rs concerning the purchase of the Ohio Casualty Insurance polley with respect to ownership of automobiles by the plaintiff. NEW MATfER TO COUNTERCLAI~ 41. Till! ddl!ndilnl, Ohio CilSlIl1lty, is bilrrl!d by till! dllclrirw of I!sloppd. 42. Thl! Cllllnll!reJilim of till! dcfl!ndl1nl, Ohio CilSlIil/ty, is bilrrl!d by lilchl!/l. WHEREFORE, it is pmYl!d lhill till! Cllllntl!reJilitn of thl! ddl!l1dilnt bl! dl/lmissl!d. Oy Willii1l11 1'. DOll/;lilS, Attllrnl!Y for I'lilintiff t r; AFFIDAVIT I HEREBY SWEAR OR AFFIRM THAT THE FOREGOING IS TRUE AND CORRECT TO THE BEST OF MY KNOWLEDGE AND/OR INFORMATION AND BELIEF. THIS IS MADE SUBJECT TO THE PENALTIES OF 18 PA.C,S.g 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES, Daled: February /'(:1996 i i~ i i ! PRAECIPE FOR LISTING CASE FOR TRIAL (Must be typewrlllen and submitted In duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY (Check one) Please list the lollowlng case: ( X) ror JURY Irlal al the next term or civil court, ( ) for trial wllhout a Jury, CAPTION OF CASE (entire cap lion must be stated In fUll) '-, (check ono) LARRY LEE ASSOCIATES, INC. (x ) Assumpsit ) Trespass ) Trespass (Motor Vehicle) (Plaintiff) (other) vs. The trial list will be called on THE OHIO CASUALTY INSURANCE COMPANY ~ February 20, 1996 Trials commence on March 18, 1996 (Defendanl) Pretrials will bo held on Februa[L 28. 1996 (Brlofs arc due 5 days belore pretrials.) (The party IIsllng this case lor trial shalt provide lorthwlth a COP)' of the praoclpe to all counsel, pursuant to local Rule 214.1.) VB. No.290__ Civil ____ _ 1994- Indicate the allorney who will try case lor th'e parly who Illes this praecipe: William P. D~~~o~e~oL-Elaintiff Indicate trial counsellor other parties If known: Douglas B. Marcello, Esquire ThODlJlat ThnmnA & Hnf.~.. P.O. Box 999 Iln rri whW:8T-l'n 171011..09.9.!LAttOUUl-y-l<>&"-DUamlant Print Name: William P. This case 15 ready lor trial. Signed: \J~lL_f_ Date: Feb. 16, 1996 Allornoy for: __-1~~oint1ff -.,A .' >- r- '- a; l~ ~ .. ,'. l-'JD - i~:~ ;; [H , " c..: . ..... ~r~" ",:'J , , ' , r;;i _11 :', '0 ",' ':1"- - . i:;..-" [;1.:.' (.1._' ' I CD r-'. lot.! ~ '~lu- 1-.' w.. <j I .. If) (j 0' (j \.1 ,- In . . I" ,,'..j I-.~ ., , 1 .. :14:" 11Il.. <;l ; , I (). r-' ,.. .... 17f '( t- . ~.! [,'1' I , , \ ~I'J l.~~ I , , ",'.. I . . I'. 1.1") :.1 \. ~ ,- . U III ~ Po ~ ~ ~ ra.ra.O OOtJ ... I g ~ ~ :z: tJ H . ; Po -11-I .11-I tJ.,-t :Z:.jJ HI:: .,-t -Ill 1Il..-t ~Po III; H U o III ~ fal !j ~ . > tl ~ III :z: H .jJ I:: III 'tl I:: (11 11-I (11 Q ~ ~ III 5 o - ~~ Po Gl~ E-ttJ ~ fal E-t ..:l H ::- H tJ ! I ~ I = ... ~ ~ '" ~ ~ E .. i ; ... Ii ::: ! E tI Ii . ~ ~ t i ~ ~ ::: a _ i ~ ~ ~ Q ~ o '" N I \Q '" '" ..-t . o z . VBRIPICATION I, William F. Johansen, state that I am familiar with the facts and allegations set forth in the foregoing document. I have read the foregoing document and hereby affirm that it is true and correct to the best of my personal knowledge, information and belief. This Verification is made pursuant to 18 Pa. C. S. 54904 relating to unsworn falsification to authorities. ~~-<-~ 10. LARRY LEE ASSOCIATES, INC. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V THE OHIO CASUALTY INSURANCE COMPANY NO. 96.290 CIVIL TERM ORDER OF COUBI AND NOW, April 22, 1996, by agreement of counsel, the above. captioned matter Is hereby continued from the MAY, 1996 Trial Term. Counsel Is directed to rellst the case when ready. By the Court, William P. Douglas, Esq. For the Plaintiff Douglas B, Marcello, Esq. For the Defendant fl'A\\~ c.o~\f.? CO.\A~ Court Administrator :br 2~, LARRY LEE ASSOCIATES, INC, : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA V THE OHIO CASUALTY INSURANCE COMPANY . , : NO. 96-290 CIVIL TERM ORDER OF COURT AND NOW, June 13, 1996, by agreement Ilf counsel, the above-captioned matter Is hereby continued from the JULY, 1906 Trial Term. Counsel Is directed to reUst the case when ready, By the Court, f --., ~/ - C\jt /, /f---. arold E. Sheely, ,J, William P. Douglas, Esq. For the Plaintiff . , ~lt' \ , l 1(, r"'ult (,. , ~il ,ell. {g Douglas B. Marcello, Esq. For the Defendant Court Administrator '-,. '<- f 0, , ,;.'" I, :br 8. LARRY LEE ASSOCIATES, INC, : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA v THE OHIO CASUALTY INSURANCE COMPANY . , : NO. 06-290 CIVIL TERM ORDER OF COURT AND NOW, August 20, 1906, by agreement of counll8l, the above- captioned matter Is hereby continued from the SEPTEMBER, 1906 Trial Term. Counlel il directed to rellst the case when ready. By the Court, {~ru--\ \-~ ..jlr- Harold E. Sheely, P.J. William P. Douglas, Esq, For the Plaintiff Douglal B, Mar~lIo, Esq, For the Defendant ("\'<A\\.' (\ (llX'(<] 4'3, ?t-I ' (~ L., \1~M\1.\SNN:ld .! l' '(":, -, ..,~ '111 J'::r'/:n~ Court Administrator 2~:l1 iN I.G :JilV % :br All'hi '0'1,), ,,-U",j ;J, ,L JO 30U:lO-Ojll:J ,'~,., '.J PRAECIPE FOA LISTING CASE FOR TRIAL IMust be typewritten and submitted In duplicate) TO THE PROTHONOTARV OF CUMBERLAND COUNTY (Check one) Please list the lOllowlng cue: I X ) lor JURV trial althe nexlterm 01 civil court. ) lor trial without 3 Jury, ......-.................................................................................................................................................................... CAPTION OF CASE ':rl lentlre caption must be stated In lull) (ChBCk one) ~ 0' ~ - 0 ~ I X) Assumpsit q]t~ ~ ~~. ;;; ~I ( ) Trespass 12.~"'U LARRY LEE ASSOCIATES. INC.. ( Trespass (Mot '~ehl~) 4. .. ~ I :-, N ~ ~ ...." (Plalnllll) (other) vs. The Irlalllst will be called on THE OHIO CASUALTY INSURANCE COHPANY. ' ~ December 17. 1996 IOelendant) Trials commence on January 27. 1997 Pretrials will be held on Januarv 2, 1997 (Brlels are due 5 days belore prelrlals,) (The party listing this case lor trial shall provide lorthwlth a copy 01 the praecipe to all counsel, pursuant to local Rule 214,1.) vs. No. 96 -, 290 Civil Term ~- Indlclte the attorney who will try case lor the party who Illes this praecipe: William P. Douglas. Esq. Indlclte Irlll counsel tor other parties II known: Douglsa B. Marcello. Esq.. Thomae. Thomas & Hafer. P.O. Box 999, Harrisburg, Pa. 17108-0999. This case Is ready lor trial. Signed: Print Name: William P. Douglas Date: October 17, 1996 Attorney lor: Plaintiff 11, LARRY LEE ASSOCIATES, INC, V THE OHIO CASUAL TV INSURANCE COMPANY : NO. 96.290 CIVIL TERM : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA ORDER OF COURT AND NOW, October 16, 1996, by agreement of counsel, the above. captioned matter Is hereby continued from the NOVEMBER, 1996 Trial Term. Counsel Is directed to rel/st the case when ready, By the Court, William p, Douglas, Esq. For the Plaintiff (".) \' \ en \"" t \\l.\\ t.t- \l-' ~\ ,')L,> . , ' Douglas P. Marcello, Esq. For the Defendant Court Administrator -2 t! .L :~. ( ";1: t;'~ :br FIlED-OffiCE OF TII': 'lr")n.'''''!'\T'""y !.' 1\".',1..1'1'''1 96 OCT 21 I'll ~l n3 CU'I["" ""," (".'U"I" 1'1' J\..ot IlJ'~ 'I..J .JI..., i\~ J PENNS'rLVN-JiA 12, LARRY LEE ASSOCIATES, INC, V : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA . . THE OHIO CASUALTY INSURANCE : NO. 96.290 CIVIL TERM COMPANY ORDER OF COURT , .' " AND NOW, December 17, 1996, by agreement of counstll, the above- captioned matter" hereby continued from the January 1997 Trial Term. Counsel Is i" \ dlrtcted to reUst th8 case when ready. ~.:. it~, /" " . {- ...,. By the Court, ~G~v\ f ,~~ Harold E. Sheely, P.J, William p, Douglas, Esq. For the Plaintiff \ c.o::.>'~b \,<\C\,\c:..o '\ I;} -\ S' ;(,\0 Douglas B. Marcello, Esq. For the Defendant Court Administrator :br ~ .6' G .., .' il M L' .:J~ I" 0 ~. :"l: (J:e u.. 9~ L.I~ en :(.~ LL - ,.1..- I" f...l ;~jm C ..../ ,f- C ~ tj I,Q a, u F . , i I' , f [- ('OJ ~- r: N , ., '. t; .. '";:"j LV. ('-/ ff! :;r: '~ :--~ '1. Oi . j ~:! ~i: 0', : ~ '2 i - ~~. ['- L >- : it,] 1- " .:::: ~j"J CJ,. f. .,- - :~:i 'I ,... U 0'\ U ! I , i I ! PRAECIPE FOR LISTING CASE FOR TRIAL (Must be typewritten and BUbmllled In duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY (Check one) Please IIBtthe lollowlng case: ( X) lor JURY trial at the next term 01 civil court. ) lor trial without a Jury. ............................................................................................................................................................................ CAPTION OF CASE (entire caption must be stated In lull) .... (check one) ( X) Assumpsit LARRY LEE ASSOCIATES, INC., ) Trespass ) ) (other) Trespass (Motor Vehicle) (Plaint"') vs. The trial list will be called on THE OHIO CASUALTY INSURANCE COMPANY, .a AUII'IA~ 11, . q97 (Delendant) Trials commence on September IS, 1997 Pretrials will be held on August 27, 1997 (Briefs are due 5 days belore pretrials,) (The party listing this case lor lrlal shall provide forthwith a copy 01 the praeclps to all counsel, pursuant to local Rule 214.1.) vs. No. .!l6.-290 Civil Term l/lGaaC.-. Indicate the allorney who will try case for the party who flies this praecipe: tJ.fl1.fnm P nnllglnlJ.. Faq Indicate trial counsellor other parties" known: nnl\lll "" R M"r~pll n, F"q , TAQ-~II. TltnmAII 6- Uafvr. P ~\ DQX 999. Un,.,." ahllT'g I P^ 171 nA_nQOQ This case Is ready lor trial. Signed: Print Name: William P. Douglas Dato: .June 12, 1997 Allorney lor: Plaintiff ~ 0 j>.: ~ .;:: f ~ ~3~ \( ~ -)~ b "'- )~ N .~~ (.f. ..:1 O:W - l,C-' ... ~,- 'i'\ ~ ,.1 ::?- ~ ~ 3 " 21. LARRY LEE ASSOCIATES, INC, : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v THE OHIO CASUALTY INSURANCE COMPANY . . : 96.290 CIVIL TERM ORDER OF COURT AND NOW, June 10, 1997, by agreement of counsel, the above-cllptioned matter I. hereby continued from the July 7, 1997 Trial Term. Coun.ells directed to rell.t the Clse when ready. By the Court, ,jjc'-I/r:~ .~ Harold E. Sheely, P.J. William p, Dougla., Esq. For the Plaintiff Dougla. B. Marcello, Esq. For the Defendant Court Administrator :tdh CC9\t \ ~\~ oj · ~ \6, \C\C\ "I "- _0 r:: tr; (". t': .. ?~. l \.l~--~ - '" (,\,-. .... C" I.' ;:'c.. ,:'.1 , ' "j\ ." C.)\: u.. . , ' '_.~ __Il' ~ i ' J rc. ~j 11~- i" -, " \J ,-" ":\ l.' '..r r.) tr. C"l f; '-:'I~ c ~... ~ M :.1.( Q" t'S.;, -, rl'.;( I :'1:.: l.J~(~ ~i'i' U_ Cl::>j .-.....';;.. C' 0" . ..'!!j c.. .C - fl~ U, -ll.' t..~ .hul f' .-, 'I U. r.c. ~ ';: ,; 1.1. I'- :'3 u rJ' U PRAECIPE FOR LISTING CASE FOR TRIAL (MuSI be Iypewrlllen and submllled In duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY (Check one) Please IIs1 the following case: ,( X ) for JURY trial al the neMt term of civil court. ) lor trial without a jury. ............................................................................................................................................................................ CAPTION OF CASE (entire caption must be statBd In lull) -. (check one) ( X) Assumpsit LARRY LEE ASSOCIATES. INC., Trespass Trespass (Motor Vehicle) (PlalnWf) (other) vs. The trlalllsl will be called on THE OHIO CASUALTY INSURANCE COMPANY. ~ October 14. 1997 Trials commence on Nnvpmhpr In. 1997 , IIJ (Delendant) ,'. ~:r. ", Ys. ,- Ul( ( ; [I ~ : , (.',1' ; , ..:,.r, "l:j L1 "J' 1 .:, I' [I.. " (~.. . , " ;, ,- t,..-; I.'. r- ::.1 u 0' w Pretrials will be held on October 22, 1997 (Briefs are due 5 days belore pretrials,) (Tho party listing Ihls case lor IrlBI shall provide forthwith a copy 01 the praecipe to all counsel, pursuanllo local Aulo 214.1.) No. 96-290 Civil ..Term IOtxux Indicate the allorney who will try case for the party who flies this praecipe: William P. Douglas, Esq. Indicate trial counsel for other parties" known: Douglas 8. Marcello, Esq., Thomas, Thomas & Hafer. P.O. 80x 999, IIarrisburg, PA 17108-0999. This case Is ready for trial. \~[ Signed: ~ Print Name: William P. Date: September 9, 1997 Attorney for: Plaintiff r'!! " C::i: ~'.~ roc'"~ '" "\,( ~'(iP~'"i:.>) lIt L:~',:J CU." 1''( i' I I I \ I i I i. i" 'I I ; , ,! . . 'I: \ ':. DOUGLAS, DOUGLAS II DOU(l!.AS J7 W. HIGH ST. POB 2'1 CARLISLE PA 17013 TELEPHONE 717.243.1790 x WILLIAM p, DOUOLAS, ESQ, Supreme Courll,O,M 37926 OEOROE F, DOUOLAS,III, ESQ, Supreme Cour.I,O,M 61886 ..............................,.......,..,..,..........,...,...................,....",...,.,..,............."..'...'iN'TH'E'COUAT'OF'~'PLEAS.OF."...' LARRY U:E ASSOCIATES, I NC. , CUMBERLAND COUNTY PENNSYLVANIA PLAINTIFF 1996. 290 CIVIL TERM \S THE OHIO CASUALTY INSURANCE COMPANY, CIVIL ACTION LAW DEFe.oANr ..................................................................................................................".............,..............".........,,,.........................................................,,,,.. To: Curtis R. Long, Prothonotary lIWmE Please mark the docket 1n th1s case "settled and d1ucont1nued." Date: January 20, 1998 by DOUGLAS - 0\ "~ IT ..:I ~. .~~ }.-. 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