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HomeMy WebLinkAboutInsurance Certificate: Ray Klein Inc Dba Professional Credit Services �'" � HAWEFIN-01 AISHOLMES ACOROw CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) 4011.....---- 6/4/2020 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 have ADDITIONAL INSURED provisions or 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 CONTACT Sharlita Holmes NAME: Alliance Insurance Group PHONE FAX 941 Oak St. (a/c,No,Ext):(541)687-4799 343 �(A/c,No):(541)600-8370 Eugene,OR 97401 ADDRIESS:sharlita.holmes@allianceinsgrp.com 1 INSURER(S)AFFORDING COVERAGE NAIC# INSURER A:Charter Oak Fire Insurance Company 25615 INSURED INSURER B:Travelers Property&Casualty Co.of America 36161 Ray Klein,Inc.dba Professional Credit Service INSURER C:SAIF Corporation 36196 PO Box 87940 INSURER D: Vancouver,WA 98687-7940 - INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 1 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 NUMBER POLICY EFF POLICY EXP LIMITS LTR - INSD WVD IMM/DD/YYYYI (MM/DD/YYYY! A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 CLAIMS-MADE X OCCUR H-630-3K693576-PHX-20 6/1/2020 6/1/2021 DAMAGETORENTED 300,000 X PREMISES(Ea occurrence) $ MED EXP(Any one person) $ 10,000 . PERSONAL&ADV INJURY $ 1,000,000 GE 'L AGGREGATE LIMIT APPLIES PER: I GENERAL AGGREGATE $ 2,000,000 p 2,000,000 X POLICY JECT LOC PRODUCTS $ OTHER: EMPLOYEE BENEFI $ 3,000,000 B AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT 1,000,000 (Ea accident) $ X ANY AUTO X BA-6N54251A-20-N2-G 6/1/2020 6/1/2021 BODILY INJURY(Per person) $ OWNED ^SCHEDULED AUTOSE� ONLY AUTOSBODILYBODILY INJURY(Per accident) $ _ AUTOS ONLY AUTNOS ONLY : PROPERTY accidentDAMAGE $ $ B X UMBRELLA LIAR X OCCUR I EACH OCCURRENCE $ 10,000,000 EXCESS LIAB CLAIMS-MADE CUP-3L771911-20-N2 6/1/2020 6/1/2021 AGGREGATE $ DED X RETENTION$ 10,000 General Agg $ 10,000,000 C WORKERS COMPENSATION X AND EMPLOYERS'LIABILITY STATUTE EERH Y/N 370636 5/1/2020 5/1/2021 1,000,000 ANY FFICER/M IIMBER EXCLUDED ECUTIVE N/A E.L.EACHACCIDENT $ (Mandatory In NH) ' E.L.DISEASE-EA EMPLOYEE $ 1,000,000 If yes,describe under 1,000,000 DESCRIPTION OF OPERATIONS below , E.L.DISEASE-POLICY LIMIT $ I DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space Is required) The City of Ashland,its elected officials,officers&employees are included as Additional Insureds on a Primary and Non-Contributory basis with respects to the General Liability and Auto Liability policies,as interest may appear out of operations of theNamed Insured,when required by written contract. I 1 CERTIFICATE HOLDER CANCELLATION i - - SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Cityof Ashland THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 20 East Main Street i Ashland,OR 97520 AUTHORIZED REPRESENTATIVE . I ACORD 25(2016/03) x©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD 1 Policy Number: H-630-3K693576-PHX-20 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ R CAREFULLY. XTEND ENDORSEMENT FOR FINANCIAL INSTITUTIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART GENERAL DESCRIPTION OF COVERAGE—This endorsement broadens coverage. However,coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be exduded or limited by another endorsement to this Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is•exduded or limited by such an endorsement. The following listing is a general coverage description only. Read all the provisions of this endorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered. A. Repossessed Watercraft—25 Feet Long Or Less D. Blanket Waiver Of Subrogation B. Who Is An Insured — Employees And Volunteer E. Contractual Liability—Railroads Workers — Bodily Injury To Co-Employees And F. Damage To Premises Rented To You Co-Volunteer Workers C. Blanket Additional Insured — Persons Or Organizations For Your Ongoing Operations As Required By Written Contract Or Agreement PROVISIONS "volunteer workers" while performing duties A. REPOSSESSED WATERCRAFT — 25 FEET related to the conduct of your business. LONG OR LESS C. BLANKET ADDITIONAL INSURED—PERSONS The following replaces Paragraph(1)of Exclusion OR ORGANIZATIONS FOR YOUR ONGOING g.,Aircraft,Auto Or Watercraft, in Paragraph 2. OPERATIONS AS REQUIRED BY WRITTEN of SECTION I —COVERAGES—COVERAGE A CONTRACT OR AGREEMENT — BODILY INJURY AND PROPERTY DAMAGE The following is added to SECTION II—WHO IS LIABILITY: AN INSURED: (1) A watercraft that is: Any person or organization that is not otherwise (a) Ashore on premises you own or rent;or an insured under this Coverage Part and that you have'agreed in a written contract or agreement to (b) Repossessed by you or the insured that include as an additional insured on this Coverage is: Part is an insured, but only with respect to liability (i) 25 feet long or less; and for"bodily injury","property damage", or"personal (ii) Ashore on premises you do not own and advertising injury"that or rent; a. Is "bodily injury' or "property damage" that B. WHO IS AN INSURED — EMPLOYEES AND occurs, or is "personal and advertising.injury" VOLUNTEER WORKERS—BODILY INJURY TO caused by an offense that is committed, CO-EMPLOYEES AND CO-VOLUNTEER subsequent to the signing of the contract or WORKERS agreement;and The following is added•to Paragraph 2.a.(1) of b. Is caused, in whole or in part, by your acts or SECTION II—WHO IS AN INSURED: omissions in the performance of your ongoing operations to which that contract or Paragraphs(1)(a), (b)and (c)above do not apply agreement applies or the acts or omissions of to "bodily injury" to a co-"employee" while in the any person or organization performing such course of the co-"employee's"employment by you operations on your behalf. or performing duties related to the conduct of your business, or to "bodily injury" to your other The limits of insurance provided to such insured will lie the minimum limits that you agreed to provide in the written contract or agreement, or CG D5 52 0219 ©2017 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. { Policy Number: H-630-3K693576-PHX-20 COMMERCIAL GENERAL LIABILITY . 1 • the limits shown in the Declarations, whichever E. CONTRACTUAL UABILITY—RAILROADS are less. • 1. The following, replaces Paragraph c. of the D. BLANKET WAIVER OF SUBROGATION definition of "insured contract" in the The following is added to Paragraph 8.,Transfer DEFINITIONS Section: • Of Rights Of Recovery Against Others.To Us, c�. Any easement or license agreement; of SECTION IV COMMERCIAL GENERAL 2. Paragraph f.(1) of the definition of "insured LIABILITY,CONDRIONS: contract in the DEFINITIONS Section is If the insured has agreed in a contract or deleted.' agreement to .waive that insured's right of F. DAMAGE TO PREMISES RENTED TO YOU recovery against any person or organization,-we waive our right of recovery against such person or The following replaces the definition of"premises organization, but only for payments we make damage"in the DEFINITIONS Section: because of: "Premises damage" means"property damage"to: a. "Bodily injury" or "property damage" that a. Any premises while rented to you or occurs;Or temporarily occupiedby you with permission b. "Personal and advertising injury" caused by of the:owner;or an offense that is committed; b. The contents of any premises while such subsequent to the execution of the contract or premises is rented to you, if you rent such agreement. premises for a period of seven or fewer consecutive days. • • • • • • Page 2 of 2 ©2017 The Travelers Indemnity Company.All rights reserved. CG D5 52 02 19 Includes copyrighted material of Insurance Services Office,Inc.with its permission. Policy Number: H-630-3K693576-PHX-20 • COMMERCIAL GENERAL LIABILITY c. Method Of Sharing a. The statements in the Declarations are If all ofthe other insurance permits contribution accurate and complete; by equal shares,we will follow this method also. b. Those statements are based upon Under this approach each insurer contributes. representations you made to us;and equal amounts until it has paid its applicable c. We have issued this policy in reliance upon limit of insurance or none of the loss remains,` your representations. whichever comes first. The unintentional omission of, or unintentional error If any of the other insurance does not permitin,any information provided by you which we relied contribution by equal shares, we will contribute upon in issuing this policy will not prejudice your by limits. Under this .'method, each insurer's rights under this insurance. However,this provision share is based on the ratio of its applicable limit does not affect our right to collect additional of insurance to the total applicable limits of premium or to exercise our rights of cancellation or insurance of all insurers. nonrenewalin accordance with applicable insurance d. Primary'And Non-Contributory Insurance If laws or regulations. Required By Written Contract ' . 7. Separation Of Insureds If you specifically agree in a written contrail orExcept with respect to the Limits of Insurance, and agreement that the insurance afforded to an any rights or duties specifically assigned in this insured under this Coverage Part must apply on. Coverage Part to the first Named ,Insured, this a primary basis, or a primary and non- insurance applies: ' contributory basis, this insurance is primary to' other insurance that is available to such insured a. As if each Named Insured were the only Named Insured;and which covers such insured as a named insured, 1 and we will not share with that other insurance, b. Separately to each insured against whom claim ' provided that is made or"suit'is brought. (1) The"bodily injury'or"property damage"for 8. Transfer.Of Rights Of Recovery Against Others which coverage is sought occurs;and To Us '. (2) The "personal and advertising injury" for - If they insured has rights to rem all or part of any which coverage is sought is caused by an payment we have made under this Coverage Part, offense that is committed; those rights are transferred to us.The insured must subsequent to the signing of that contract or do nothing after loss to impair them.At our request, a Bement b the insured,will bring "suit' or transfer those rights gr y to us and help us enforce them. 5. Premium Audit 9. When We Do Not Renew a. We will compute all premiums for this Coverage If we decide not to renew this Coverage-Part,we will Part in accordance with our rules and rates. mail or deliver to the first Named Insured shown in b. Premium shown 'in this Coverage. Part as the Declarations written notice of the nonrenewal advance premium is a depositpremiumonly.At not less than 30 days before the expiration date. the close of each audit period we will compute If notice is mailed, proof of mailing'will be sufficient the earned premium for that period and send notice to the first Named Insured.The due date proof hof notice' for audit and retrospective premiums is the date SECTION V-DEFINITIONS shown as the due date on the bill."If the sum of 1. "Advertisement"means a notice that is broadcast or the advance and audit premiums paid for the published to the general public or specific market policy period is greater than 'the earned segments about your goods, products or services premium, we will return the excess to the first for the purpose of attracting customers or Named Insured. supporters.For the purposes of this definition: c. The first Named Insured must keep records of • a. Notices that are published include material the information we need for 'premium - placed on the Internet or on similar electronic computation,and send us copies at such times means of communication;and as we may request. b. Regarding websites, only that part of a website 6. Representations that is about your goods, products or services By accepting this policy,you agree: for the purposes of attracting customers or supporters is considered an advertisement. Page 16 of 21 ©2017 The Travelers Indemnity Company.All rights reserved. CG T1 00 0219 Includes copyrighted material of Insurance Services Office Inc.with its permission. Policy Number: BA-6N54251A-20-N2-G COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM GENERAL DESCRIPTION OF COVERAGE _This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to the Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a'general cover- . age description only. Limitations and exclusions may apply to these coverages. Read all the provisions of this en- dorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered. A. BROAD FORM NAMED INSURED H. HIRED AUTO PHYSICAL DAMAGE LOSS OF B. BLANKET ADDITIONAL INSURED USE INCREASED LIMIT C. EMPLOYEE HIRED AUTO I. PHYSICAL DAMAGE '— TRANSPORTATION EXPENSES—INCREASED LIMIT D. EMPLOYEES AS INSURED J. PERSONAL PROPERTY E. SUPPLEMENTARY PAYMENTS — INCREASED K. AIRBAGS LIMITS L. NOTICE AND KNOWLEDGE OF ACCIDENT OR F. HIRED 'AUTO — LIMITED WORLDWIDE COV- LOSS ERAGE—INDEMNITY BASIS M. BLANKET WAIVER OF SUBROGATION G. WAIVER OF DEDUCTIBLE—GLASS N. UNINTENTIONAL ERRORS OR OMISSIONS { PROVISIONS A. BROAD FORM NAMED INSURED this insurance applies and only to the extent that person-or organization qualifies as an "insured" The following is added to Paragraph A.1., Who Is under the Who Is An Insured provision contained An Insured, of SECTION II —COVERED AUTOS in Section II. LIABILITY COVERAGE: 1 Any organization you newly acquire or form dur- C. EMPLOYEE HIRED AUTO ing the policy period over which you maintain 1. .The following is added to Paragraph A.1., 50% or more ownership interest and that is not Who Is An Insured, of SECTION II — COV- separately insured for Business Auto Coverage. ERED AUTOS LIABILITY COVERAGE: Coverage under this provision is afforded only un- An "employee" of yours is an "insured" while til the 180th day after you acquire or form the or- operating an "auto" hired or rented under a ganization or the end of the policy period, which- contract or agreement in an "employee's" ever is earlier. name, with your permission, while performing duties related to the conduct of your busi- B. BLANKET ADDITIONAL INSURED ' ' ness. The following is added to Paragraph c. in A.1., 2. The following replaces Paragraph b. in B.5., Who Is An Insured, of SECTION II— COVERED Other Insurance, of SECTION IV — BUSI- AUTOS LIABILITY COVERAGE: • NESS AUTO CONDITIONS: Any person or organization who is required under b. 'For Hired Auto Physical Damage Cover- a written contract or agreement between you and age, the following are deemed to be cov- that person or organization, that is signed and . ered"autos"you own: executed by you before the "bodily injury" or (1) Any covered "auto" you lease, hire, "property damage" occurs and that is in effect rent or borrow; and during the policy period, to be named as an_addi- (2) Any covered "auto" hired or rented by tional insured is an "insured" for Covered Autos your "employee" under a contract in Liability Coverage, but only for damages to which an "employee's" name, with 'your CA T3 53 02 15 ' ©2015 The Travelers Indemnity Company.All rights reserved. Page 1 of 4 Includes copyrighted material of Insurance Services Office,Inc.with its permission. • Policy Number: BA-6N54251A-20-N2-G COMMERCIAL AUTO permission, while performing duties (a) With respect to any claim made or "suit" ' related to the conduct of your busi- y brought outside the United States of ness. America, the territories and possessions However, any"auto" that is leased, hired, of the United States of America, Puerto rented or borrowed with a driver is not a Rico and Canada: covered"auto". (i) You must arrange to defend the "in- D. EMPLOYEES AS INSURED sured" against, and investigate or set- tle any such claim or "suit" and keep The following is added to Paragraph A.1., Who Is us advised of all proceedings and ac- An Insured, of SECTION II—COVERED AUTOS tions. LIABILITY COVERAGE: Any "employee" of yours is an "insured" while us- (ii) Neither you nor any other involved ing a covered "auto"you don't own, hire or borrow "insured" will make any settlement in your business or your personal.affairs. without our consent. E. SUPPLEMENTARY PAYMENTS — INCREASED (iii)We may, at our discretion, participate LIMITS in defending the "insured" against, or in the settlement of, any claim or 1. The following replaces Paragraph A.2.a.(2), "suit". of SECTION II —COVERED AUTOS LIABIL- ITY COVERAGE: (iv)We will reimburse the "insured" for sums that the "insured" legally must (2) Up to $3,000 for cost of bail bonds (in- pay as,damages because of "bodily cluding bonds for related traffic law viola- ' injury" or "property damage" to which tions) required because of an "accident" ' this insurance applies, that the "in- we cover. We do not have to furnish sured" pays with our consent, but these bonds. only up to the limit described in Para- graph C., Limits Of Insurance, of 2. The following replaces Paragraph A.2.a.(4), SECTION II — COVERED AUTOS of SECTION IL—'COVERED AUTOS LIABIL- LIABILITY COVERAGE. ITY COVERAGE: (4) All reasonable expenses incurred by the (v) We will reimburse the "insured" for "insured" at our request, including actual the reasonable expenses incurred loss of earnings up to $500 a day be with our consent for your investiga- cause of time off from work. tion of such claims and your defense of the "insured" against any such • F. HIRED AUTO — LIMITED WORLDWIDE COV- "suit", but only up to and included ERAGE`—INDEMNITY BASIS j within the limit described in Para- The following replaces Subparagraph (5) in Para- I graph C., Limits Of Insurance, of graph ,B.7., Policy Period, Coverage Territory, SECTION II — COVERED AUTOS of SECTION IV — BUSINESS AUTO CONDI- LIABILITY COVERAGE, and not in TIONS: addition to such limit. Our duty to (5) Anywhere in the world, except any country or make such payments ends when we have used up the applicable limit of jurisdiction while any trade. sanction, em- insurance in payments for damages, bargo, or similar regulation imposed' by the settlements or defense expenses. United States of America appliesto and pro- . hibits the transaction of business with or (b) This insurance is excess over any valid within such country or jurisdiction, for Cov and collectible other insurance available ered Autos Liability Coverage for any covered to the"insured" whether primary, excess, "auto" that you lease, hire, rent or borrow contingent or on any other basis. without a driver for a period of 30 days or less lease, hire, rent (c) This insurance is not a substitute for re- and that is not an "auto" youquired or compulsory insurance in any or borrow from any of your "employees", country outside the United States, its ter- partners (if you area partnership), members ritories and possessions, Puerto Rico and (if you are a limited liability company) or Canada. members of their households. . Page 2 of 4 ©2015 The Travelers Indemnity Company.All rights reserved. CA T3 53 02 15 Includes copyrighted material of Insurance Services Office,Inc.with its permission. I . • Policy Number: BA-6N54251A-20-N2-G . I COMMERCIAL AUTO i 1 You agree to maintain all required or (2) In or on your covered"auto". compulsory insurance in any such coun- ' This coverage applies only in the event of a total try up to the minimum limits required by theft of your covered"auto". local law. Your failure to complywith. compulsory insurance requirements will No deductibles apply to this Personal Property not invalidate the coverage afforded by coverage. this policy, but we will only be liable to the K. AIRBAGS same extent we would have been liable The following is added to Paragraph B.3., Exclu- had you complied with the compulsory in- Bions, of SECTION III - PHYSICAL DAMAGE surance requirements. COVERAGE: (d) It is understood that we are not an admit- Exclusion 3.a. does not apply to "loss" to one or ted or authorized .insurer outside the mord airbags in a covered "auto" you own that in- United States of America, its territories flate due to a cause other than a cause of "loss" and possessions, Puerto Rico and Can- set forth in Paragraphs A.1.b. and A.1.c., but ada. We assume no responsibility for the only:; furnishing of certificates of insurance, or a. I that "auto" is a covered "auto" for Compre- for compliance in any way with the laws hensive Coverage under this policy;. of other countries relating to insurance. I b. The airbags are not covered under any war- G. WAIVER OF DEDUCTIBLE—GLASS, ranty;and The following is added to Paragraph D., Deducti- c. The airbags were not intentionally inflated. ble, of SECTION III — PHYSICAL DAMAGE We will pay up to a maximum of $1,000 for any COVERAGE: one"loss". No deductible for a covered "auto" will apply to L. NOTICEIAND KNOWLEDGE OF ACCIDENT OR glass damage if the glass is repaired rather than LOSS replaced. The following is added to Paragraph A.2.a., of H. HIRED AUTO PHYSICAL DAMAGE — LOSS OF SECTION IV—BUSINESS AUTO CONDITIONS: USE—INCREASED LIMIT Yourfduty to give us or our authorized representa- The following replaces the last sentence of Para- tive prompt notice of the "accident" or"loss" ap- graph A.4.b., Loss Of Use Expenses, of SEC- plies only when the "accident" or "loss" is known TION III PHYSICAL DAMAGE COVERAGE: to: However, the most we will pay for any expenses (a) You (if you are an individual); for loss of use is $65 per day, to a maximum of (b) A partner(if you are a partnership); $750 for any one"accident". I . (c) A am I. PHYSICAL DAMAGE — TRANSPORTATION pany); (if you are a limited liability corn- ' EXPENSES—INCREASED LIMIT (d) An executive officer, director or insurance The following replaces the first sentence in Para- manager (if you are a corporation or other or- graph A.4.a., Transportation Expenses, of ganization); or , SECTION III — PHYSICAL DAMAGE, COVER- (e) Any"employee" authorized by you to give no- AGE: tice of the"accident"or"loss". We will pay up to $50 per day to a maximum of M. BLANKET WAIVER OF SUBROGATION $1,500 for temporary transportation expense in- The following replaces Paragraph A.5., Transfer curred by you because of the total theft of a coy- Of Rights Of Recovery Against Others To Us, ered."auto"of the private passenger type. of SECTION IV — BUSINESS AUTO CONDI- J. PERSONAL PROPERTY TIONS : The following is added to Paragraph A.4., Cover- 5.. Transfer Of, Rights Of Recovery Against age Extensions, of SECTION III — PHYSICAL Others To Us DAMAGE COVERAGE: We waive any right of recovery we may have Personal Property against any person or organization to the ex- 1. tent required of you by a written contract We will pay up to $400 for "loss" to wearing ap- signed and executed prior to any "accident" parel and other personal,property which is: or"loss", provided that the"accident" or"loss" (1) Owned by an"insured"; and arises out of operations contemplated by CA T3 53 02 15 ©2015 The Travelers Indemnity Company.AU I ghts reserved. Page 3 of 4 Includes copyrighted material of Insurance Services Office,Inc.with its permission. 1 Policy Number: BA-6N54251A-20-N2-G COMMERCIAL AUTO such contract. The waiver applies only to the The 'unintentional omission of, or unintentional person or organization designated in such error in, any information given by you shall not contract. prejudice your rights under this insurance. How- N. UNINTENTIONAL ERRORS OR OMISSIONS ever this provision does not affect our right to col- The following is added to Paragraph B.2., Con- lett additional premium or exercise our right of cealment, Misrepresentation, Or Fraud, of cancellation or non-renewal. SECTION IV—BUSINESS AUTO CONDITIONS: • I ' Page 4 of 4 ©2015 The Travelers Indemnity Compa ny.All'rights reserved. CA T3 53 02 15 Includes copyrighted material of Insurance Services Office,Inc.with its permission.