HomeMy WebLinkAboutInsurance Certificate: Day Wireless Systems
A CORDN CERTIFICA TE OF LIABILITY INSURANCE I DATE (MMfDDfYYYY)
9/17/2009
PRODUCER (503)241-0154 FAX: (503)542-0625 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION
Durham and Bates Agencies Inc ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE
HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR
720 SW Washington ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.
Suite 250
Portland OR 97205-3554 INSURERS AFFORDING COVERAGE NAIC#
INSURED INSURER A OneBeacon America Ins. Co
Day Management Corporation INSURER B: Naviga tors Insurance
DBA: Day Wireless Systems INSURER c:
4700 SE International Way INSURER 0:
Milwaukie OR 97222 INSURER E"
C
THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOlWlTHSTANDING ANY
REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT \N1TH 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.
AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS
II~~: ~~~~ TYPE OF INSURANCE POLICY NUMBER P~..k+~~~~~68~IE P2~IWI~~~J.gN LIMITS
~NERAL LIABILITY EACH OCCURRENCE . 1,000,000
X COMMERCIAL GENERAL LIABILITY ~~~~1f,~~9E~~~~ence\ . .1,000,000
A X I CLAIMS MADE W OCCUR 7110099180003 10/1/2009 10/1/2010 MED EXP IAnv one OOfsonl . 10,000
~ $1MM Umbrella PERSONAL & ADV INJIIRY . 1,000,000
f-- GENERAL AGGREGATE . 2,000,000
rl'L AGG~EnE LIMIT AFilES PER: PRODUCTS - COMPIOP AGG . 2,000,000
POLICY rf8i X LOC
AUTOMOBilE LIABILITY COMBINED SINGLE LIMIT 1,000,000
f-- (Eaaccidenl) .
~ ANY AUTO
A I- ALL O\fv'NED AUTOS 7110099180003 10/1/2009 10/1/2010 BODILY INJURY
(Per person) .
f-- SCHEDULED AUTOS
f-- HIRED AUTOS BOOlL Y INJURY
(Per accident) .
I- NON-O\fv'NED AUTOS
r- PROPERTY DAMAGE .
(Peraccidenl)
RRAGE LIABILITY AUTO ONLY - EA ACCIDENT .
ANY AUTO OTHER THAN EAACr. $
AUTO ONLY: AGG .
B EXCESS/UMBRELLA LIABILITY SF09EXC161165NV 7/1/2009 10/1/2010 OAr" nrr, ,ooo"ro . 8,000,000
o OCCUR D CLAIMS MADE AGGREGATE . 8,000,000
.
q DEDUCTIBLE .
RETENTION $ ,
A WORKERS COMPENSATION AND 7110099180003 10/1/2009 10/1/2010 I r'ii''idrtM'NS I X IO,!,\'.
EMPLOYERS' LIABILITY
ANY PROPRIETOR/PARTNER/EXECUTIVE WASHINGTON STOP GAP E.L. EACH ACCIDENT . 500,000
OFFICER/MEMBER EXCLUDED? EMPLOYERS LIABILITY E.L. DISEASE - EA EMPLOYEE $ 500,000
If yes. describe under 500,000
SPECIAL PROVISIONS below E.L. DISEASE POLICY LIMIT .
A OTHER GARAGEKEEPERS 7110099180003 10/1/2009 10/1/2010 COMPREHENSIVE AND
COLLISION LIMITS $250,000
dEDUCTIBLE $ 500
DESCRIPTION OF OPERATIONS/LOCATIONSNEHIClES/EXCLUSIONS ADDED BY ENDORSEMENT/SPECIAL PROVISIONS
The City Of Ashland, Oregon, And Its Elected Officials, Officers and Employees are Additional Insured per attached VCG
205 02 05 when required by written contract. These provisions are with respect to General Liability only and are
subject to the terms, conditions, limitations and exclusions of the policy. *Except 10 days notice for non-payment of
premium.
CERTIFICA TE HOLDER
CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE
CITY OF ASHLAND EXPIRATION DATE THEREOF, THE ISSUING INSURER W1lL ENDEAVOR TO MAIL
20 EAST MAIN STREET 30 * DAYS WRITTEN NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE LEFT, BUT
ASHLAND, OR 97520 FAILURE TO DO SO SHALL IMPOSE NO OBLIGATION OR LIABILITY OF ANY KIND UPON THE
INSURER, ITS AGENTS OR REPRESENTATIVES.
AUTHORIZED REPRESENTATIVE .~
Joanna Brown/MJK <=- \ ~
ACORD 25 (2001/08)
. INS025 (0108),08a
@ACORD CORPORATION 1988
Page 1 of2
Policy #711009918-0002
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ rr CAREFULLY.
@VANTAGE FOR GENERAL LIABILITY
This endorsement modifies Insumnce provided under the following:
COMMERCIAL GENERAll.lABlLIlY COVERAGE FORM
,
,
The following schedule lists the covemge extensions provided by this endorsement. Refer to the individual provi-
sions to detennlne the extent of your coverage.
SCHEDULE OF COVERAGE EXTENSIONS
1. Additional Insured - Broad Fonn Vendors 8. Broadened Property Damage Rented Premises
2. Additionallnsured - by Contract, Agreement or 9. Covemge Territory - Wortdwlde
Pennit relating to: 10. Duties in Event of Occurrence, Claim or Sull
o Work performed by you 11. Expected or Intended Injury (PD)
o Premises you own, rent; lease or occupy .12. Incidental Medical Malpractice
o Equipment you lease 13. Medical Payments
3. Aggregate Umll Per Location 14. Mobile Equipment Redefined
4. Blanket Waiver of Subrogation 15. Newly Acquired or Fonned Olganlzations
6. Bodily Injury Redefined- Mental Anguish 16. Non-Owned Aircraft
6. Broadened Named Insured 17. Non-Owned Watercraft
7. Broadened Property Damage' 18. Personal and Advertising Injury
o Borrowed Equipment 19. Product Recall Expense
o Customers' Goods 20. Supplementary Payments Increased Limits
o Use of ElevatofS
1. ADDITIONAL INSURED" BROAD FORM VENDORS
Section 11- Who Is An Insured is emended to Include as an additional Insured any person(s) or organl2allon(s)
(referred to below as vendor) with whom you agraed In a written contract or agreamenllo provide insuranca,
but oni'l with raspect to "bodily Injury" or 'property damage" artslng oul of "your products" which are disbibuted
or sold in the ragular coursa of the vendo~s business, subject to the follOwing additional exclusions:
a. Thls provision 1. does not apply to:
(1) "Bodily injUry" or 'property damage" for which the vendor is obligated to pay damages by reason of the
assumption of liability In a contract or agreament. This exclusion does not apply to liability for damages
that the vendor would have In the absence of the contract or agreement;
(2) Any express warranty unauthorized by you;
(3) Any physical or chemical change In the product mada intentionally by the vendor;
(4) Repackaging, except when unpacked solely for the purposo of Inspection, demonstration, testing or the
substitution of paris .undar instructions from the menufacturer, and then repackaged in the original
container;
(6) Any failure to make such Inspections, adjusiments, tests or servicing as the vendor has agraed to make
or normally undertakas to make In the usual coume of business, in connection with the disbibutlon or
sale of the products;
(6) Demonstration, Installation, servicing or mpair operations, except such oparations perfonned at the
vendor's premises In connection with the sale of the product;
(7) Products which, after dlsb1buUon or sale by you, have baen labeled or relabeled or used as a container.
part or Ingredient of any other thing or substance by or for the vendor; or
(8) "Bodily Injury" or "property damage" artsing out of the sole nagllgence of tha vendor for Its own acts or
omissions or those ollis employees or anyone else acting on lis beha". However, this exclusion does
not apply to:
(a) The e.ceptions contained In Subparagraphs 4. or 6.; or
(b) Such Inspections. adjustments, tests or servicing as the vendor has agreed to make or nonnally un-
derlskes to make In the usual course of business, In connection with the distribution or sale ollhe prod-
ucts.
VCG'I.060206
_copyrIgh\ed_ofiJlo\lrllllC:e_OIllce,Inc.
~ 2004. OrleBea<Xln Insurance Group
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!9} Any person or organization If the "produc1s-<:ompleted operations hazard" Is excluded either by the pro-
visions of the Coverage Form or by endorsement.
b. This insurance does not apply to any Insured person or organization,. from whom you have acquired such
produels, or any ingredient, part or container, entering into, accompanying or containing such produels.
2. ADDITIONAL INSURED - CONTRACT, AGREEMENT OR PERMIT
a. Section U - Who Is An Insured Is amended to Include as an additional Insured any person(s} or organiza-
tion!s) with whom you agraed in a written contract, written agreement or permn to provida Insurance such
as Is afforded under this Coverage Part, but only with respect to liability for "bodily Injury", "property dam-
age" or "personal and advertising injUry" caused, In whole or In part, by your aels or omissions or the aels or
omissions of those acting on your behalt
1. In the performance of "your work" for the additional insured!s) at the location designated In the contract,
agreement or permit; or
2. In the maintenance, operation or use of equipmantleased to you by such person(s) or organization(s),
or
3. In connection with premises you own, rent, lease or occupy.
This insurance applies on a primary or primary and non-conlributory basis U that Is requi;ed In writing by the
contract, agreement or pennn.
b. The insurance provided to the addillonallnsured herein Is limned. This insurance does not apply. .
1. Unless
(a) the written contract, agreement or pennit Is currentty in effect or becomes effective during the term
of this policy; and
(b) the contract or agreement was executed or permO Issued prior to the "bodily injury", "property dam-
age", or "personal and advertising Injury";
2. To any person or organization Included as an insured under the Additional Insured - Broad Fonn Ven-
dors provision of this endorsement; .
3. To any person or organization Included as an Insured by an endorsement Issued by us and mada part
of lhIs Covarage Part;
4. To any person or organization if the "bodily injury", "property damage", or "personal and advertising in-
jury" arises out of the rendering of or failure to render any professional archneclural, engineering or
surveying services by or for you lnduding:
(al The preparing, appnMng, or falling to prepare or approve, maps, shop drawings, opinions, reports,
surveys, field orders, change orders or drawings and specifications; or
(b) Supervisory, inspection, archnectural or engineering activities.
5. To any:
(a) Lessor of equipment after the equipment lease expires; or
(b) Owners or other Interests from whom land has been leased; or
(c) Managers 0( lessors of premises if:
(1) The "occurrence" takes place after you cease to be a tenant in that premises; or
(2) The "bodily Injury", "property damage", "personal and advertising Injury" arfses out of structural
alterations, new consfructlon or demolitioo operations perfonned by or on behalf of the man-
ager or lessor.
6. To "bodily Injury, or "property damage" OCCtJrring after:
(a) All work on the project (othar than service, maintenance or repairs) to be perfonned by or on be-
half of the additional insured at the stte oHhe covared operations has bean completed; or
(b) That portion of ''your work" out of which the Injury or damaga arfsas has been put to Its intended
Use by any person or organization other than. another contractor or subcontractor engaged in per-
fonning operations for a principal as part of the same project.
c. UmitG of Insurance applicable to the additlonallnsured are thos<> specified In the contract, agreement or
permit or In the Declarations of this policy, whichever Is less, and fix the most we will pay regardless of the
number of: .
1. Insureds;
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I_~ malerlalollns<r.lnce Suvlc:eoOfllce,Inc.
~ 2004, OneBaacon Insurance Group
VCG 205 02 05
2. Claims made Or "suits" brought or
3. Persons or organizations making claims or bringing "suits".
These Umlts of Insurance are Inclusive of and not in edditlon to the Umlts of Insurance shown In the Decla-
rations.
3. AGGREGATE UMIT PER LOCATION
a. Under Section III - Limits of Insurance, the General Aggregate Umn applies separataly to each of your
"locations" owned by or ranted or leasad to you.
b. Under Section V - Definitions, the following definition Is added:
"Location" means premises Involving tha same or connacting lots, or premises whose connection is in-
terrupted only by a street, roadway, waterway or rtght-of-way of a railroad.
4. BLANKET WAIVER OF SUBROGATION.
Section IV .. Transfer of Rights of Recovery Against others to Us Condition is amended to add the following:
We will waive any rtght of recovery we may have against any person or organization because of payments we
make for Injury or damage arising out of your ong.olng operations done under a written contract or agreement
with that person or organization and Included In "your work" or the "products-completed operations hazard".
This waiver applies only 10 persons or organizations with whom you have a written contract, executed prior to
the "bodily Injury" or "property damage", that requires you to waive your rights of recovery.
5. BODILY INJURY REDEFINED - MENTAL ANGUISH
Under Section V the deflflilion of "bodily Injury" Is replacad by Iha following:
"Bodily injury" means bodily injury, sickneSs, or dls6ase sustained by a person, InclUding menial anguish or
death resu/fing from any of these al any time.
6. BROADENED NAMED INSURED
Seellon II.. Who Is An Insured Is amended to Include as an Insured tha fOlloWing:
Any organization which Is a legally Incorporated enlily In which you own a financlellnlerest of more than 50
percent oflhe voting s10ck on the effective dale of this endorsement will be a Named Insured unUl the 180'" day
or the end of the policy period, whichever comes first:. provided there is no other similar insurance availablo to
that organization.
The Insurance afforded herein does nol apply 10 any enlily which Is also an Insured under another policy or
would be an Insured under such policy but for Its lermination or the exhaustion of Its Iimlts of Insurance.
7. BROADENED PROPERTY DAMAGE - BORROWED EQUIPMENT, CUSTOMERS' GOODS AND USE OF
ELEVATORS
The Insurance for "property damage" lialxlily is sub]ecllo the following:
a. The Damage To Property exclusion under Section I Coverage A Is amended as follows:
1. The exclusion for personal property In Ihe care, custody or control of the Insured does nol apply to
"property damage' 10 equipment you borrow whlle at a Job sne and provided 1I1s nol being used by
anyone 10 perform operations al the time of loss.
2. The exclusions for
(al Property loaned to you;
(bl Personal property In Ihe care, custody or control of lI1e Insured; and
(el That particular part of any property that must be restored, rapeired or replaced because "your
work" was incorrectly performed on 1I
do nol apply to "property damage" to "customers' goods" whlla on your premises nor do they apply to
"property damage' alising from the use of elevators al premises you own, renl, lease or occupy.
SUbject 10 lI1e Each Occurrence Limn, the most we wnt pay for "property demage' 10 'Customers'
Goods" Is $25,000 per "occurrance".
b. Under Secllon V - Definitions, Ihe follOWing definition Is added:
"Customers' Goods' means goods of your customer on your premises for the purpose of being:
1, Repaired; or
2. Used in your manufecturing process.
c. The Insurance afforded by this provision Is excess. over any other valid and eollectible property insurance
Qncludlng any deductible) avaliable to the Insured whether such insurance Is primary, excess, contingenl or
VCG 205 02 06 _CClpll1ghled _ of Insumnce ServIces 0lIi:e. Ire. Pllge 3 of 7
Copyright 2004, OneBeaeon lnsuronce Group
on any other basis. Any payments by us will follow the Other Insurance - Excess provisions In the COM-
MERCIAl GENERAl LlABIUTY CONDITIONS.
8. BROADENED PROPERTY DAMAGE - RENTED PREMISES
a. In the Damage To Property exclusion under Section I Coverage A, the exclusion for .property damage" to:
Property you own, rent or occupy;
does not apply to real property you rent or temporarily occupy with pennission of the owner.
b. In Section 11- Limits Of Insurance, the Damage To Pramlses Rented To You L1m~ is amended as follows:
Subject to the Each Occurrence Lim~, $500,000 Is the most we will pay under Coverage A for damages
because of "property damage" to anyone premises while rented to you or pccupled by you with permission
of the owner. It any amount other than $500,000 is shown In the Declarations as the Damage To Premlses
Rented To You Umlt, the amount shown In the Declarations will replace $500,000 es the L1mtt 0/ Insurance
provided for this coverage. .
c. The Insurance afforded by this ProvisIon 8. Is excess over any other valid and collectible property Insurance
Qnduding any deductible) available to the insured whather such Insurance Is primary, exceS1l, contingent or
on any other basis. Any payments by us will follow the Other Insurance - Excess Insurance provisions In the
COMMERCIAl GENERAl LIABILITY CONDITIONS. .
9. COVERAGE TERRITORY - WORLDWIDE
The definition of "coverage territory" is replaced by the following:
"Coverage territory" means anywhere. However, the Insured's responsibility to pay damages must be
determIned in a settlement we agree to or In a "sult" on the merits brought within the United Slates of
America Qncluding its territories and possessions), Puerto Rico or Canada: .'
10. DUTIES IN THE EVENT OF OCCURRENCE, OFFENSE, CLAIM OR SUIT
Section IV - Duties In The Event Of Occurrence, Claim or Suit Is amended by adding the foUawing paragraphs:
a. The requirements that you must
1. notify us of an "occurrence" offense, claim or "suit" and
2. send us documents concerning a claim or "suit'"
apply only when such "accident" claim, "suif" or "loss" Is known to:
1. You, If you are an Individual;
2. A partner, if you are a partnership;
3. An executlve officer of the corporation or insurance manager, if you are a corporation; pr
4. A manager, if you are a IImiled liability company.
b. The requirement that you must notify us as soon as practicable of an "occurrence" or an offense that may
result In a daim does not apply if you report an "occurrence" to your workers compensation Insurer which
later develops into a liability claim for which coverage Is provided by this policy. However, as soon as you
have definite knowledge that the perticular "occurrence" is a liability claim rather than a workers compensa-
tion claim, you must comply with the DUties In The Event Of Occur",nce; Offense, Claim Or Suit Condi-
tion.
11. EXPECTED OR INTENDED INJURY (PROPERTY DAMAGE)
The Expected Or Intended Injury exclusion under Coverage A Bodily Injury and Property Damage is
replaced by:
"Bodily injury" or "properly damage" expected or Intended from the standpoint of the Insured. This exclusion
does not apply to "bodily injury" or "property damage" resulting from the use of reasonabla force to protect
persons or property. .'
12. INCIDENTAL MEDICAL MALPRACTICE - EMPLOYED PHYSICIANS, NURSES, EMT'S AND PARAMEDICS
a. Under Section II - Who Is An Insu",d the paragraph that excludes an employee or volunteer worker as in-
sured for "bodily injury" or "personal and advertising Injury" arising out of his or her providing or faiUng to
provide professional health care sBlVices does not apply to a physician, dentist, nurse, emergency medical
technician or paramedic employed by you If you are not engaged In the business or occUpation of providing
medical, paramedical, surgical, dantal, Hay or nursing services.
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Indudes~_oflnsuance _otIIce, Inc.
~:lJ04, OneBeacon Insurance Group
VCG 205 02 05
.' '
b. The insurance efforded by this provision Is excess over any other valid and collectible Insurance whether
such Insurance Is primary, excess, contingent or on any other basis. Any payments by us will follow the
Other Insurance - Excess Insurance provisions in the COMMERCIAL GENERAL LIABIUTY CONDmONS.
13. MEDICAL PAYMENTS -INCREASED UMITS AND TIME PERIOD
8. In the Insuring Agreement under Coverage C Medical Payments, the requirement that expenses are ln~
curred and repcrted to us within one year of the date of the accident Is changed to three years.
b. The Medical Expense LimR Is $10,000 per person or the amount shown in the Declarations as the Medical
E~nsa ~Jmit. whichever Is greater. ,
c. This provision 13. does not apply If Coverage C .. Medical Payments is othelWlse excluded either by the
provisions of the Coverage Form or by endorsement.
14. MOBILE EQUIPMENT - SELF-PROPELLED SNOW REMOVAL, ROAD MAINTENANCE AND STREET
CLEANING EQUIPMENT
The following is added to the "mobile equipmenr deflnRion:
Vehicles maintained primarily for purposes other than the transportation of persons or cargo that Bre self-
propelled vehicles of less than 1,000 pounds gross vehicle weight with the following typeS of ,permanenUy
attached equipment will be considered "mobile equipment": - . '.. c... '...
a. Snow removal;
b. Road maintenance. but not construction or resurfacing; or
c. Street cleaning.
15. NEWLY FORMED OR ACQUIRED ORGANIZATIONS
Under Section II .. Who Is An Insured, the time period limitation for newly acquired or formed organizations is
replaced by:
Coverage under this provision is afforded only until the end of the current policy period.
16. NON-oWNEDAlRCRAFT
a. The Aircraft, Auto Or Watercraft exclusion under Coverage A Bodily Injury And Properly Demage
Liability does not apply to an aircraft that is:
1. Hired, chartered or loaned with a paid crew; and
2. Not owned by any InSlJred.
b. The insurance afforded by this provision 16. is excess over any other valid and collecUble Insurance
Oncludlng any deductible or Self Insured Retention) available to the Insured, whether such Insurance is prI-
mary, excess, contingent or on any other basis. Any payments by us will follow the Other Insurance - Ex-
cess Insurance provisions In the COMMERCIAL GENERAL LIABILITY CONDmONS.
17. NON-OWNED WATERCRAFT
a. Section II ," WIIo Is An Insured Is amended to include as en Insured for any watercraft that is covered by
this policy, any person who, with your expressed or Implied consent, either uses or Is responsible for the use
of a watercraft. However, no person Of organization Is an insured wRh respect to:
- '_"_" - ,,-L. ."_ .,..- _: ,_ ..... ..,. ",_..__ -" . ~~._'_ ,'- -,..', ,- . . .... .," '.. '''.' , ." .,,'~.-" .:. ....v;, "..-,',',.- . '. ,"
1. "Bodily Injury" to a cc>-"employee" of the person operating the watercratt; or
2. "Property damage" to property owned by, rented to, in the cherge of or occupied by you or the em-
ployer of any person who is an Insured under this provision.
b. In the excepllon to the Aircraft, Auto Or Watercraft exclusion under Coverage A Bodily Injury And Prop-
erly Damage Liability, the IimltaUon on the length of a watercraft Is increased to 51 feet.
c. The Insurance afforded by this provision 17. Is excess over any other valid end collectible Insurance
OnclOOlng any deductible or Self Insured Retention) available to the Insured, whether such Insurance Is pri-
mary, excess, contingent or on any other basis. Any payments by us will follow the Other Insurance - Ex-
cess Insurance provisions In the COMMERCIAL GENERAL LIABILITY CONDITIONS.
18. PERSONAL AND ADVERllSlNG INJURY
The following is added to the definition of "personal and advertising Injury":
Discrimination because of race, color, creed, national origin, age, sex or physicat disability, where insurance
therefore is riot prohibited by law, but only II such discrimination Is:
vCG 2lI6 02 05
_ ""PYfilhIed material of Instnnce ServIces Oftlce.lno.
Cq:l)f'ght 2004. OneBeacon 10000ance Group
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a. not done intentionally by or allhe direction ot
.(1) the insured; or
(2) any executive officer, director, stockholder, partner or member of the Insured staff; and
b. not directly or Indirectly related to the employment, prospective employment or termination of emp/oyment
of any person or persons by any insured. '
The Insurance afforded under this proVIsion does not apply to fines or pena,lties, or that portJon of any award or
judgment caused by trebling or multiplication of actual damages under slate or federal law.
This provision does not apply if Coverage B - Personal and Advertising Injury liability is otheJWise excluded
either by the provisions 01 this Coverage form or by any endorSemeni. '
19. PRODUCT RECALL EXPENSE
a. WIth respect to this Provision 19., the Recall Of Products, Work Or Impaired Property ,exclusion under
Coverage A Bodily Injury And Property Damage liabiroty Is deleted.
b. The following is added to Section HI. Limits Of Insurance section:
1. The Limits of Insurance'.shown in the Product Recall Schedul!' and rules below fix the most we will pay
regardlessofthenumh8.of' ..- '. - .' .,.',. .'0.. "
(a) Insureds;
(b) "Covered recalls" initiated; or
(c) Number of "your products" recalled.
2. The Product Recall Aggregate Umif Is the m.oslwe will reimburse' you for the sum of all "product recall
expenses" incurred for all "covered recalls" initialed during the policy period.
3. Subject to 2. above, the Each Product Recall Umif is the most We will reimburse you for the sum of all
"product recall expenses" arising out of anyone "covered recall" for the same defect or deficiency.
Products Recall Schedule
Limits of Insurance
Product Recall Aggregate $50.000
Umif
Each Product Recall Umit $25,000
The Umlls of Insurance for this coverage apply separately to each consecutive annual period and to any
remaining period of less than 12 months, starting with the beginning of the policy period shown In the Decla-
rations, unless the policy period Is extended after issuance for an additiOnal period of less than 12 months.
In that case, the additional period will be deemed part of the last pracedlng period for the purposes of de-
termining the Umits of Insurance.
c. The following Is added to the Duties In The Event Of Occurrence, Offense, Claim Or Suit provision
under Section IV . Conditions:
You must see to if that the following are done In the event of an actual or anticipaled "covered recall" that
may result in "product recall expense": . ,.
1. GiVe us prompt notice of any dis!:Overy or notification that "your product" must be withdrawn or recalled. In-
clude a description of .your product" and the reason for the withdrawal or recall;
2. Cease any further release, shipment, consignment Or any other method of DIStribution of fike or similar
products until R has been determined that all such products are free from def~ that could be a cause of
loss under this insurance;
3. As often as may be reasonably required, permR us to inspect "your product" that demonstrates the need for
the "covered recall" and permR us to examine your books and racoros. Also permif us to take damaged and
undamaged samples of "your products" for inspection, testing and analysis; and permif us to make copies
from your bOoks and records;
4. Send us a signed, sworn, proof of loss containing the information we requ~ to sellJe the claim. You
must do this within 60 days after our request. We will supply you with the necessary forms; and
5. 'Permit us to examine any insured under oath. while not in the presence of any other Insured and at such
times as may reasonably be required, abOut any mafler relating to this insurance <ir your claim, including an
insured's bOoks and records. In the event of an examination, an insured's answers must be signed.
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1_~_oflnslnnce_Ofllce,lnc.
Copjrigtl <m4, oneaeacon Insurance Group
VCG 205 02 05
. " ..,.,
d. The lollowlng definitions are added to the Definitions Section:
1. "Covered recall" means a recall made necessary because the insured or a government body hes deter-
mined that a known or suspected delect, deficiency. inadequacy or dangerous condition in "your product"
has resulted In or will resuR in "bodily Injury" or "property damage".
2. "Product Recall Expense" meens:
(a) The lollowlng necessary and reasonable expenses you incur exclusively lor the purpose 01 recalling
"your producf':
(i) For communications, Inoluding radio or television announoements or printed advertisements
Including stationery, envelopes and postage;
(2) For shipping the recelled products Irom any purchaser, distributor or user to the place or places
designated by yoil; .
(3) For remuneration paid to your regular "employees" lor necessary overtime;
(4) For hiring additional pelSOns, other than your regular "employees";
(5) Incurred by "employees", Including transportation and.accommodations;
, . .'
(6) To rent additional warehouse or storage space; or
(7) For disposal 01 "your products", but only to the exlentthat specific methods 01 destrucllon other
than those employed for trash discarding or disposal are required to avoid "bodily Injury" or
"property damage" as a resuR 01 such disposal, but
"product recall expenses" does not Include costs 01 regaining your markat share, goodwill, revenue or profit.
(b) "Product Recall Expense" does not Include eny expenses resulting from:
(1) Failure of any prodUct to accomplish its intended purpose;
(2) Breach 01 warranties 01 fitness, quality, durability or performance;
(3) Loss of customer approval, or any costlncurred to regain customer approval;
(4) Redistribution or replacement of "your product" which has been recalled by I/I<e products or substi-
tutes;
(5) Caprice or whim of the Insured;
(6) A condition likely to cause loss of which any insured knew or hed reason to know at the inception of
this insurance; and
(7) Recall of "your products" that heve no known or suspected delect solely because a known or sus-
pected defect in anothar 01 "your products" has been found
20. SUPPLEMENTARY PAYMENTS "INCREASED UMITS
In the SUPPLEMENTARY PAYMENTS - Coverages A and B provision;
a. The limit for the cost of bail bonds is amended to $2,500; and
b. The limn for reasonable expenses incurred by the "Insured" is amended to $500 a day.
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VCG 206 02 06 InclJdes cq>yI1ghled materisI of In"'"ll"" ServIces~, Inc.
Copvr1gt1: 2C04. OneBeacon Insurance Group
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