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HomeMy WebLinkAboutInsurance Certificate: Plaza Condominium Unit Owners Assoc Client#:177187 SANDFILM ACORDTM CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDDIYYYY) 611912017 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER I NTA T Thomas Hart NAME: Propellnsurance PHONE 541-494-7755 FAx 541-245-1112 AIC, No, Ext : A/C, No Medford Commercial Insurance E-MAIL P 0 BOX 936 ADDRESS: INSURER(S) AFFORDING COVERAGE NAIC # Medford, OR 97501 INSURER A :Cincinnati Insurance Company 10677 INSURED INSURER B Plaza Condominium Unit Owner's INSURER C Association, Inc. ~ - PO BOX 306 ' INSURER D Ashland, OR 97520 INSURER E INSURER F COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE 'ADDL SUBR POLICY EFF 'POLICY EXP LIMITS LTR '~INSR WVD POLICY NUMBER MMIDDIYYYY . MMIDD/YYYY A COMMERCIAL GENERAL LIABILITY ~ CAP5221546 6111120171, 0611 1 1201 8 EACH OCCURRENCE $1 000 OOO DAMAGE TO RENTED CLAIMS-MADE X!, OCCUR ' PREMISES_~Eaoccurrence~__ $500,000 MED EXP (Any one person) $10,000 'PERSONAL & ADV INJURY $1,000,000 - ~I GEN'LAGGREGATELIMITAPPLIESPER 'GENERAL AGGREGATE $2,000,000 PRO- POLICY ~ JECT n LOC PRODUCTS - COMPIOP AGG $ 2,000,000 OTHER. ' ~ $ A 'AUTOMOBILE LIABILITY CAA5221546 611112017' 061111201 ~ COMBINED SINGLE LIMIT Ea accident $1,000,000 X ANY AUTO .BODILY INJURY (Per person) $ ALL OWNED ~ SCHEDULED BODILY INJURY (Per accident) $ AUTOS ' AUTOS _ _ NON-OWNED PROPERTY DAMAGE X HIRED AUTOS I X AUTOS _(Per accident $ UMBRELLA LIABI X OCCUR CAP5221546 6I11I2O17' 06l1112018~ EACH OCCURRENCE $5 000 000 EXCESS LIAB 'CLAIMS-MADE AGGREGATE $5 OOO 000 DED RETENTION $ $ 'WORKERS COMPENSATION PER OTH- AND EMPLOYERS' LIABILITY YIN ' TAT T ER OFFICERIMEMBER/EXCLUDED ECUTIVE-- N 1 A E.L. EACH ACCIDENT $ i (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ If yes, describe under - - _ DESCRIPTION OF OPERATIONS below E.L. DISEASE -POLICY LIMIT $ DESCRIPTION OF OPERATIONS 1 LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Re: Airspace License CERTIFICATE HOLDER CANCELLATION City of Ashland, Its, Officers, SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN employees and agents ACCORDANCE WITH THE POLICY PROVISIONS. 20 E Main Street Ashland, OR 97520 AUTHORIZED REPRESENTATIVE ©1988.2014 ACORD CORPORATION. All rights reserved. ACORD 25 (2014101) 1 of 1 The ACORD name and logo are registered marks of ACORD #S27472721M2747230 ANH01 This page has been left blank intentionally. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY BROADENED ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Endorsement -Table of Contents: Coverage: Begins on Page: 1. Employee Benefit Liability Coverage ..................................................................................................2 2. Unintentional Failure to Disclose Hazards .........................................................................................7 3. Damage to Premises Rented to You .7 4. Supplementary Payments . 9 5. Medical Payments . 9 6. 180 Day Coverage for Newly Formed or Acquired Organizations g 7. Waiver of Subrogation . .9 8. Automatic Additional Insured -Specified Relationships : ..................................................................g • Managers or Lessors of Premises; • Lessor of Leased Equipment; • Vendors; and • State or Political Subdivisions -Permits Relating to Premises 9. Property Damage to Borrowed Equipment ......................................................................................12 10. Employees as Insureds -Specified Health Care Services :............................................................12 • Nurses; • Emergency Medical Technicians; and • Paramedics 11. Broadened Notice of Occurrenoe 12 B. Limits of Insurance: The Commercial General Liability Limits of Insurance apply to the insurance provided by this endorsement, except as provided below: 1. Employee Benefit Liability Coverage Each Employee Limit: $ 1,000,000 Aggregate Limit: $ 3,000,000 Deductible: $ 1,000 3. Damage to Premises Rented to You The lesser of: a. The Each Occurrence Limit shown in the Declarations; or b. $500,000 unless otherwise stated $ 4. Supplementary Payments a. Bail bonds: $ 1,000 b. Loss of earnings: $ 350 5. Medical Payments Medical Expense Limit: $ 10,000 9. Property Damage to Borrowed Equipment Each Occurrence Limit: $ 10,000 Deductible: $ 250 GA 210 02 O7 Page 1 of 12 i a) You did not have C. Coverages knowledge of a 1. Employee Benefit Liability Coverage claim or "suit' on or before the effective a, The following is added to SECTION I date of this en- - COVERAGES: Employee Benefit dorsement. Liability Coverage. You will be (1) Insuring Agreement deemed to have knowledge of a (a) We will pay those sums that claim or "suit" the insured becomes legally when any "author- obligated to pay as damages ized representa- caused by any act, error or tive"; omission of the insured, or of any other person for i) Reports all, or whose acts the insured isle- any part, of the golly liable, to which this in- act, error or surance applies. We will omission to us have the right and duty to or any other defend the insured against insurer; any suit seeking those dama es. However, we will ii) Receives a 9 have no duty to defend written or ver- against any "suit" seeking bal demand or damages to which this in- claim for dam- surance does not apply. We ages because may, at our discretion, inves- of the act, er- tigate any report of an act, ror or omis- error or omission and settle sion; and any claim or "suit" that may result. But: b) There is no other applicable insur- 1) The amount we will pay ante. for damages is limited as described in SEC- (2) Exclusions TION III -LIMITS OF This insurance does not apply to: INSURANCE; and 2) Our right and duty to de- (a) Bodily Injury, Property fend ends when we Damage or Personal and have used up the appli- Advertising Injury cable limit of insurance "Bodily injury", "property in the payment of judg- damage" or "personal and ments or settlements. advertising ir~ur~'. No other obligation or liability (b) Dishonest, Fraudulent, to pay sums or perform acts Criminal or Malicious Act or services is covered unless explicitly provided for Damages arising out of any under Supplementary Pad intentional, dishonest, ments. fraudulent, criminal or mali- cious act, error or omission, (b) This insurance applies to committed by any insured, damages only if the act, er- including the willful or reck- ror or omission, is negli- less violation of any statute. gently committed in the "administration" of your "em- (c) Failure to Perform aCon- ployee benefit program"; and tract 1) Occurs during the policy Damages arising out of fail- period; or ure of performance of con- tract by any insurer. 2) Occurred prior to the ef- fective date of this en- (d) Insufficiency of Funds dorsement provided: Damages arising out of an insufficiency of funds to GA 210 02 07 Page 2 of 12 s meet any obligations under (j) Employment-Related Prac- any plan included in the tires employee benefit program . ' Any liability arising out of (e) Inadequacy of Perform- any: ance of Investment / Ad- vice Given With Respect (1) Refusal to employ; to Participation (2) Termination of employ Any claim based upon: ment; 1) Failure of any invest- (3) Coercion, demotion, ment to perform; evaluation, reassign- ment, disclpline, defa- 2) Errors in providing in- mation, harassment, formation on past per- humiliation, discrimina- formanoe of investment tion or other employ vehicles; or ment-related practices, acts or omissions; or 3) Advice given to any person with respect to (4) Consequential liability that person's deasion to as a result of (1), (2) or participate or not to par- (3) above. tiapate in any plan in- cluded in the "employee This exclusion applies benefit program". whether the insured may be held liable as an employer or (f) Workers' Compensation in any other capacity and to and Similar Laws any obligation to share dam- ages with or repay someone Any claim arising out of your else who must pay damages failure to comply with the because of the injury. mandatory provisions of any workers' compensation, un- (3) Supplementary Payments employment compensation insurance, social security or SECTION I -COVERAGES, disability benefits law or any SUPPLEMENTARY PAYMENTS similar law. - COVERAGES A AND B also apply to this Coverage. (g) ERISA b. Who is an Insured Damages for which any in- sured is liable because of li- As respects Employee Benefit Liability ability imposed on a fidudary Coverage, SECTION II -WHO IS AN by the Employee Retirement INSURED is deleted in its entirety and Income Security Act of 1974, replaced by the following: as now or hereafter (1) If you are designated in the Dec- amended, or by any similar larations as: federal, state or local laws. (h) Available Benefits (a) An individual, you and your spouse are insureds, but Any daim for benefits to the only with respect to the con- extent that such benefits are duct of a business of which available, with reasonable you are the sole owner. effort and cooperation of the (b) A partnership or joint ven- insured, from the applicable tune, you are an insured. funds accrued or other col- Your members, your part- lectibleinsurance. Hers, and their spouses are (i) Taxes, Fines or Penalties also insureds but only with respect to the conduct of Taxes, fines or penalties, in- your business. cluding those imposed under the Internal Revenue Code (c) A limited liability company, or any similar state or local you are an insured. Your law. members are also insureds, but only with respect to the conduct of your business. Your managers are insur- GA 210 02 O7 Page 3 of 12 eds, but only with respect to c. Limits of Insurance their duties as your manag- ers. As respects Employee Benefit Liability Coverage, SECTION III -LIMITS OF (d) An organization other than a INSURANCE is deleted in its entirety partnership, joint venture or and replaced by the following: limited liability company,,you (1) The Limits of Insurance shown in are an insured. Your ex- ecutive officers" and direc- Section B. Limits of Insurance, tors are insureds, but only 1. Employee Benefit Liability with respect to their duties Coverage and the rules below fix as your officers or directors. the most we will pay regardless Your stockholders are also of the number of: insureds, but only with re- (a) Insureds; sped to their liability as stockholders. (b) Claims made or "suits" brought; (e) A trust, you are an insured. Your trustees are also insur- (c) Persons or organizations eds, but only with respect to making claims or bringing their duties as trustees. "suits'; (2) Each of the following is also an (d) Acts, errors or omissions; or insured: (e) Benefits included in your (a) Each of your "employees" "employee benefit program". who is or was authorized to administer your "employee (2) The Aggregate Limit shown in benefit program". Section B. Limits of Insurance, 1. Employee Benefit Liability (b) Any persons, organizations Coverage of this endorsement is or "employees" having the most we will pay for all dam- proper temporary authorize- ages because of acts, errors or tion to administer your "em- omissions negligently committed ployee benefit program" if in the "administration" of your you die, but only until your "employee benefit program". legal representative is ap- pointed. (3) Subject to the limit described in (2) above, the Each Employee (C) Your legal representative if Limit shown in Section B. Limits you die, but only with respect of Insurance, 1. Employee to duties as such. That rep- Benefit Liability Coverage of resentative will have all your this endorsement is the most we rights and duties under this will pay for all damages sus- Coverage Part. tained by any one "employee", including damages sustained by (3) Any organization you newly ac- such "employee's" dependents quire or form, other than apart- and beneficaries, as a result of: nership, joint venture or limited liability company, and over which (a) An act, error or omission; or you maintain ownership or major- ity interest, will qualify as a (b) A series of related acts, er- Named Insured if no other similar rors or omissions, regard- insurance applies to that organi- less of the amount of time zation. However, coverage un- that lapses between such der this provision: acts, errors or omissions, (a) Is afforded only until the negligently committed in the 180th day after you acquire "administration" of your "err- or form the organization or ployee benefit program". the end of the policy period, However, the amount paid under whichever is earlier; and this endorsement shall not ex- (b) Does not apply to any act, Geed, and will be subject to the error or omission that was limits and restrictions that apply committed before you ac- to the payment of benefits in any quired or formed the organi- plan included in the "employee zation. benefit program". GA 210 02 07 Page 4 of 12 (4) Deductible Amount a. You must see to it that we are notified as soon (a) Our obligation to pay dam- as practicable of an ad, ages on behalf of the in- error or omission which sured applies only to the may result in a daim. amount of damages in ex- To the extent possible, cess of the deductible notice should include: amount stated in the Decla- rations as applicable to Each (1) What the act, error Employee. The limits of in- or omission was surance shall not be reduced and when it oc- by the amount of this de- curred; and ductible. (2) The names and (b) The deductible amount addresses of any- stated in the Declarations one who may suf- applies to all damages sus- fer damages as a tained by any one "em- result of the act, er- ploy~e", including such "em- ror or omission. ploy►ee's" dependents and beneficiaries, because of all b. If a claim is made or acts, errors or omissions to "suit" is brought against which this insurance applies. any insured, you must: (c) The terms of this insurance, (1) Immediately record including those with respect the spedfics of the to: claim or "suit" and the date received; 1) Our right and duty to de- and fend the insured against any "suits" seeking (Z) Notify us as soon those damages; and as practicable. 2) Your duties, and the du- You must see to it that ties of any other in- we receive written no- volved insured, in the tioe of the claim or "suit" event of an act, error or as soon as practicable. omission, or claim, c, You and any other in- apply irrespective of the ap- volved insured must: plication of the deductible (1) Immediately send amount. us copies of any (d) We may pay any part or all demands, notices, of the deductible amount to summonses or le- effect settlement of any gal papers re- claim or "suit" and, upon no- ceived in connec- tification of the action taken, tion with the claim you shall promptly reimburse or "suit'; us for such part of the de- (2) Authorize us to ob- ductible amount as we have tain records and paid. other information; d. Additional Conditions (3) Cooperate with us As respects Employee Benefit Li- in the investigation ability Coverage, SECTION IV - or settlement of the COMMERCIAL GENERAL LIABIL- claim or defense ITY CONDITIONS is amended as fol- against the "suif'; lows: and (1) Item 2. Duties in the Event of (4) Assist us, upon our Occurrence, Offense, Claim or request, in the en- Suit is deleted in its entirety and forcemeat of any replaced by the following: right against any person or organi- 2. Duties in the Event of an nation which may Act, Error or Omission, or be liable to the in- Claim orSuit sured because of GA 210 02 07 Page 5 of 12 an act, error or c. No Coverage omission to which this insurance may This insurance shall not also apply. cover any loss for which the insured is entitled to d, No insured will, except recovery under any at that insured's own other insurance in force cost, voluntarily make a previous to the effective payment, assume any date of this Coverage obligation, or incur any Part. expense without our consent. e. Additional Definitions (2) Item 5. Other Insurance is de- As respects Employee Benefit Li- leted in its entirety and replaced ability Coverage, SECTION V - by the following: DEFINITIONS is amended as follows: 5. Other Insurance (1) The following definitions are added: If other valid and collectible insurance is available to the 1. "Administration" means: insured for a loss we cover a, Providing information to under this Coverage Part, "employees", including our obligations are limited as their dependents and follows: beneficiaries, with re- a. Primary Insurance sped to eligibility for or scope of "employee This insurance is pri- benefit programs"; mary except when c. below applies. If this in- b. Interpreting the "em- surance is primary, our ployee benefit pro- obligations are not af- grams ; fected unless any of the c, Handling records in other insurance is also connection with the primary. Then, we will "employee benefit pro- share with all that other grams"; or insurance by the method described in b. d. Effecting, continuing or below. terminating any "em- ployee's" participation in b. Method of Sharing any benefit included in If all of the other insur- the "employee benefit ante permits contribu- program". tion by equal shares, we However, "administration" will follow this method does not include: also. Under this ap- proach each insurer a. Handling payroll deduc- contributes equal tions; or amounts until it has paid its applicable limit of in- b. The failure to effect or surance or none of the maintain any insurance loss remains, whichever or adequate limits of comes first. coverage of insurance, including but not limited If any of the other insur- to unemployment insur- ance does not permit anoe, social security contribution by equal benefits, workers' com- shares, we will contrib- pensation and disability ute by limits. Under this benefits. method, each insurer's share is based on the 2. "Cafeteria plans" means ratio of its applicable plans authorized by applica- limit of insurance to the ble law to allow "employees" total applicable limits of to elect to pay for certain insurance of all insur- benefits with pre-tax dollars. ers. GA 2100207 Pagefiof12 3. "Employee benefit pro- ages are claimed and to grams" means a program which the insured must providing some or all of the submit or does submit following benefits to "em- with our consent; ployees", whether provided through a "cafeteria plan" or b. Any other alternative otherwise: dispute resolution pro- ceeding in which such a. Group life insurance; damages are claimed group accident or health and to which the insured insurance; dental, vision submits with our con- and hearing plans; and sent; or flexible spending ac- counts; provided that no c. An appeal of a civil pro- one other than an "em_ seeding. ployee" may subscribe g, "Employee" means a person to such benef~s and actively employed, formerly such benefits are made employed, on leave of ab- generally available to those "employees" who sense or disabled, or retired. Employee includes a satisfy the plan's eligibil- "leased worker". "Em- ity requirements; ployee" does not include a b. Profit sharing plans, 'temporary worker". employee savings 2. Unintentional Failure to Disclose Haz- plans, employee stock Ards ownership plans, pen- sion plans and stock SECTION IV -COMMERCIAL GENERAL subscription plans, pro- LIABILITY CONDITIONS, 7. Representa- vided that no one other tions is hereby amended by the addition than an "employee" may of the following: subscribe to such bene- fits and such benefits Based on our dependence upon your rep- are made generally resentations as to e~asting hazards, if un- available to all "employ intentionally you should fail to disclose all ees" who are eligible such hazards at the inception date of your under the plan for such policy, we will not reject coverage under benefits; this Coverage Part based solely on such failure. c. Unemployment insur- ance, social security 3. Damage to Premises Rented to You benefits, workers' com- a, The last Subparagraph of SECTION pensation and disability - COVERAGES, COVERAGE A. benefits; and BODILY INJURY AND PROPERTY d. Vacatan plans, includ- DAMAGE LIABILITY, 2. Exclusions ing buy and sell pro- is hereby deleted and replaced by the grams; leave of ab- following: sense programs, includ- Exclusions c. through q, do not apply ing military, maternity, to damage by fire, explosion, light- family, and civil leave; Wing, smoke or soot to premises while tuition assistance plans; rented to you or temporarily occupied transportation and by you with permission of the owner. health club subsidies. (2) The following definitions are de- b. The insurance provided under SEC- leted in their entirety and re- TION I -COVERAGES, COVERAGE placed by the following: A. BODILY INJURY AND PROP- ERTY DAMAGE LIABILITY applies 21. "Suit" means a civil proceed- to "propert)r damage" arising out of ing in which money dam- water damage to premises that are ages because of an ad, er- both rented tD and occupied by you, ror or omission to which this (1) As respects Water Damage Le- insuranoe applies are al- gal Liability, as provided in Para- leged. "Suit" includes: graph 3.b. above: a. An arbitration proceed- ing in which such dam- GA 210 02 O7 Page 7 of 12 The exdusions under SECTION I a) Foundations, walls, - COVERAGES, COVERAGE A. floors or paved sur- BODILY INJURY AND PROP- faces; ERTY DAMAGE LIABILITY, Z. Exclusions, other than i. War b) Basements, and the Nuclear Energy Liabil- whether paved or ity Exclusion, are deleted and not; or the following are added: c) Doors, windows or This insurance does not apply to: other openings. (a) "Property damage": (c) Loss caused by or resulting from water that leaks or 1) Assumed in any con- flaws from plumbing, heat- tract; or ing, air conditioning, or fire protection systems caused 2) Loss caused by or re- by or resulting from freezing, suiting from any of the unless: following: 1) You did your best to a) Wear and tear; maintain heat in the b) Rust, corrosion, building or structure; or fungus, decay, de- 2) You drained the equip- terioration, hidden merit and shut off the or latent defect or water supply if the heat any quality in prop- was not maintained. erty that causes it to damage or de- (d) Loss to or damage to: stroy itself; 1) Plumbing, heating, air c) Smog; conditioning, fire protec- tion systems, or other d) Mechanical break- equipment or appli- downincluding rup- antes; or ture or bursting caused by ten- 2) The interior of any build- trifugal force; ing or structure, or to personal property in the e) Settling, cracking, building or structure shrinking or ex- caused by or resulting pansion; or from rain, snow, sleet or f) Nesting or infesta- ice, whether driven by tion, or discharge wind or not. or release of waste C. Limit of Insurance products or secre- tions, by insects, The Damage to Premises Rented to birds, rodents or You Limit as shown in the Declara- other animals. tions is amended as follows: (b) Loss caused directly or indi- (2) Paragraph 6, of SECTION III - rectly by any of the following: LIMITS OF INSURANCE is hereby deleted and replaced by 1) Earthquake, volcanic the following: eruption, landslide or any other earth move- 6. Subject to 5. above, the merit; Damage to Premises Rented to You Limit is the 2) Water that backs up or most we will pay under overflows from a sewer, COVERAGE A. BODILY IN- drain or sump; JURY AND PROPERTY 3) Water under the ground DAMAGE LIABILITY for surface pressing on, or damages because of "prop- flowing or seeping erty damage" to premises through: while rented to you or tem- porarilyoccupied by you with permission of the owner, arising out of any one "oc- GA 210 02 O7 Page 8 of 12 currence" to which this in- Us is hereby amended by the addition of surance applies. the following: (3) The amount we will pay is limited We waive any right of recovery we may as described in Section B. Limits have because of payments we make for of Insurance, 3. Damage to injury or damage arising out of your ongo- Premises Rented to You of this ing operations or "yourwork" done under a endorsement. written contract requiring such waiver with that person or organization and included in 4. Supplementary Payments the "products-completed operations haz- Under SECTION I -COVERAGE SUP- and". However, our rights may only be PLEMENTARY PAYMENTS -COVER- waived prior to the "occurrence" giving rise AGES A AND B: to the injury or damage for which we make payment under this Coverage Part. The a. Paragraph 2. is replaced by the fol- insured must do nothing after a loss to im- lowing: pair our rights. At our request, the insured will bring "suit" or transfer those rights to Up to the limit shown in Section B. us and help us enforce those rights. Limits of Insurance, 4.a. Bail Bonds of this endorsement for cost of bail 8. Automatic Additional Insured - Speci- bonds required because of acadents fled Relationships or traffic law violations arising out of the use of any vehicle to which the a. The following is hereby added to Bodily Injury Liability Coverage ap- SECTION II -WHO IS AN INSURED: plies. We do not have to furnish (1) Any person or organization de- these bonds. scribed in Paragraph 8.a.(2) be- b. Paragraph 4, is replaced by the fol- low (hereinafter referred to as lowing: additional insured) whom you are required to add as an additional All reasonable expenses incurred by insured under this Coverage Part the insured at our request to assist us by reason of: in the investigation or defense of the claim or "suit', including actual loss of (a) A written contract or agree- earnings up to the limit shown in Sec- ment; or tion B. Limits of Insurance, 4.b. (b) An oral agreement or con- Loss of Earnings of this endorsement tract where a certificate of per day because of time off from insurance showing that per- work. son or organization as an 5. Medical Payments additional insured has been issued, The Medical Expense Limit of Any One Person as stated in the Declarations is is an insured, provided: amended to the limit shown in Section B. (a) The written or oral contract Limits of Insurance, 5. Medical Pay- or agreement is: meet of this endorsement. 6. 180 Day Coverage for Newly Formed or 1) Currently in effect or becomes effective dur- Acquired Organizations ing the policy period; SECTION II -WHO IS AN INSURED is and amended as follows: 2) Executed prior to an Subparagraph a. of Paragraph 4. is hereby "occurrence" or offense deleted and replaced by the following: to which this insurance would apply; and a. Insurance under this provision is af- forded only until the 180th day after (b) They are not specifically you acquire or form the organization named as an additional in- orthe end of the policy period, which- sured under any other provi- ever isearlier; sion of, or endorsement added to, this Coverage 7. Waiver of Subrogation Part. SECTION IV -COMMERCIAL GENERAL (2) Only the following persons or or- LIABILITY CONDITIONS, 9. Transfer of ganizations are additional insur- Rights of Recovery Against Others to eds under this endorsement, and insurance coverage provided to GA 210 02 O7 Page 9 of 12 such additional insureds is lim- a) "Bodily injury" or ited as provided herein: "property damage" for which the vers- (a) The manager or lessor of a dor is obligated to premises leased to you with pay damages by whom you have agreed per reason of the as- Paragraph 8.a.(1) above to sumption of liability provide insurance, but only in a contract or with respect to liability aris- agreement. This ing out of the ownership, exclusion does not maintenance or use of that apply to liability for part of a premises leased to damages that the you, subject to the following vendor would have additional exclusions: in the absence of This insurance does not ap- the contract or agreement; ply to: 1) Any "occurrence" which b) Any express war- takes place after you ranty unauthorized cease to be a tenant in by you; that premises. Any physical or 2) Structural alterations, chemical change in new construction or the product made demolition operations intentionally by the performed by or on be- vendor; half of such additional d) Repackaging, un- insured. less unpacked (b) Any person or organization solely for the pur- from which you lease pose of inspection, equipment with whom you demonstration, have agreed per Paragraph testing, or the sub- 8.a.(1) above to provide in- stitution of parts surance. Such persons} or under instructions organization(s) are insureds from the manufac- solelywith respect to their li- turer, and then re- ability arising out of the packaged in the maintenance, operation or original container; use by you of equipment e) Any failure to make leased to you by such per- such inspections, son(s) or organization(s). adjustments, tests However, this insurance or serviang as the does not apply to any "oc- vendor has agreed currence" which takes place to make or nor- after the equipment lease malty undertakes expires. to make in the Any person or organization usual course of (referred to below as vendor) business, in con- with whom you have agreed nection with the per Paragraph 8.a.(1) above distribution or sale to provide insurance, but of the products; only with respell to "bodily ~ Demonstration, in- injury" or "property damage" stallation, servicing arising out of "your products" or repair opera- which are distributed or sold tions, except such in the regular course of the operations per- vendor's business, subject to formed at the ven- the following additional ex- dor's premises in clusions: connection with the 1) The insurance afforded sale of the product; the vendor does not ap- g) Products which, af- ply to: ter distribution or sale by you, have GA 210 02 O7 Page 10 of 12 been labeled or re- elevators covered by labeled or used as this insurance. a container, part or ingredient of any (3) Any insurance provided to an ad- other thing or sub- ditional insured designated under stance by or for the Paragraph 8.a.(2) Subpara- vendor. graphs (a), (b) and (d) does not apply to "bodily injury", "property 2) This insurance does not damage" or "personal and adver- apply to any insured tiling injury' arising out of the person or organization: sole negligence or willful miscon- a) From whom you duct of the additional insured or have acquired their agents, employees or any other representative of the addi- such products, or tional insured. any ingredient, part or container, enter- b. SECTION IV -COMMERCIAL GEN- ing into, accompa- ERAL LIABILITY CONDITIONS is Hying or containing hereby amended as follows: such products; or Condition 5. Other Insurance is b) When liability in- amended to include: cluded within the "products- (1) Where required by a written con- completed opera- tract or agreement, this insur- tions hazard" has anoe is primary and / or noncon- been excluded un- tributory as respects any other der this Coverage insurance policy issued to the Part with respect to additional insured, and such such products. other insurance policy shall be excess and / or noncontributing, (d) Any state or political subdivi- whichever applies, with this in- sion with which you have surance. agreed per Paragraph 8.a.(1) above to provide in- (2) Any insurance provided by this surance, subject to the fol- endorsement shall be primary to lowing additional provision: other insurance available to the additional insured except: This insurance applies only with respect to the following (a) As otherwise provided in hazards for which the state SECTION IV - COMMER- or pol~ical subdivision has CIAL GENERAL LIABILITY issued a permit in connec- CONDITIONS, 5. Other In- tion with premises you own, sur'ance, b. Excess Insur- rent or control and to which ance; or this insurance applies: (b) For any other valid and col- t) The existence, mainte- lectible insurance available Hance, repair, construc- to the additional insured as tion, erection, or re- an additional insured by at- moval of advertising tachment of an endorsement signs, awnings, cano- to another insurance policy pies, cellar entrances, that is written on an excess coal holes, driveways, basis. In such case, the manholes, marquees, coverage provided under hoist away openings, this endorsement shall also sidewalk vaults, street be excess. banners, or decorations g, Property Damage to Borrowed Equip- and similar exposures; meet or 2) The construction, a. The following is hereby added to Ex- erec- clusion j. Damage to Property of tion, or removal of ele- Paragraph 2., Exclusions of SEC- vators; or TION I -COVERAGES, COVERAGE 3) The ownership, mainte- A. BODILY INJURY AND PROP- nanoe, or use of any ERTY DAMAGE LIABILITY. GA 210 02 O7 Page 11 of 12 Paragraphs (3) and (4) of this exdu- effect settlement of any sion do not apply to tools or equip- claim or "suit" and, upon no- mentloaned to you, provided they are tification of the action taken, not being used to perform operations you shall promptly reimburse at the time of loss. us for such part of the de- ductible amount as has been b. With respect to the insurance pro- paid by us. vided by this section of the endorse- ment, the following additional provi- 10. Employees as Insureds -Specified sions apply: Health Care Services (1) The Limits of Insurance shown in It is hereby agreed that Paragraph the Declarations are replaced by 2.a.(1)(d) of SECTION II -WHO IS AN the limits designated in Section INSURED, does not apply to your "em- B. Limits of Insurance, 9. ptoyees" who provide professional health Property Damage to Borrowed care services on your behalf as duly li- Equipment of this endorsement censed: with respect to coverage pro- vided by this endorsement, a. Nurses; These limits are inclusive of and b, Emergency Medical Technicians; or not in addition to the limits being replaced. The Limits of Insur- c. Paramedics, ante shown in Section B. Limits of Insurance, 9. Property Dam- in the jurisdiction where an "occurrence" age to Borrowed Equipment of or offense to which this insurance applies this endorsement fix the most we takes place. will pay in any one "occurrence" 11, Broadened Notice of Occurrence regardless of the number of: Paragraph a. of SECTION IV - COM- (a) Insureds; MERCIAL GENERAL LIABILITY CONDI- (b) Claims made or "suits" TIONS, 2. Duties in the Event of Occur- brought; or rence, Offence, Claim or Suit is hereby deleted and replaced by the following: (c) Persons or organizations making claims or bring a. You must see to it that we are notified "suits". as soon as practicable of an "occur- rence" or anoffense which may result (2) Deductible Clause in a claim. To the extent possible, no- tice should include: (a) Our obligation to pay dam- ages on your behalf applies (1) How, when and where the "oc- only to the amount of dam- currence" or offense took place; ages for each "occurrence" 2 The names and addresses of any which are in excess of the ( ~ deductible amount stated in injured persons and witnesses; Section B. Limits of Insur- and ance, 9. Property Damage (3) The nature and location of any in- to Borrowed Equipment of jury or damage arising out of the this endorsement. The limits "occurrence" or offense. of insurance will not be re- duced by the application of This requirement applies only when such deductible amount. the "occurrence" or offense is known (b) SECTION IV - COMMER- to an "authorized representative" CIAL GENERAL LIABILITY CONDITIONS, 2. Duties in the Event of Occurrence, Offence, Claim or Suit, ap- plies to each claim or "suit" irrespective of the amount. (c) We may pay any part or all of the deductible amount to GA 210 02 O7 Page 12 of 12 y COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED -CONDOMINIUM UNIT OWNERS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART. WHO IS AN INSURED (Section II) is amended to include as an insured each individual unit owner of the insured condominium, but only with respect to liability arising out of the ownership, maintenance or repair of that portion of the premises which is not reserved for that unit owner's exclusive use or occupancy. CG 20 0411 85 Copyright, Insurance Services Office, Inc., 1984 Page 1 of 1 ❑ This page has been left blank intentionally.