Loading...
HomeMy WebLinkAboutInsurance Certificate: Life International Companies Client#: 124414 LILEINTE ACORD:. CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDDIYYYY) 12/01/2011 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 CONTACT Jenny Healy Propel Insurance a$NN,Ea ,800 499-0933 ac No: 866.577.1326 Seattle Commercial Insurance E-MAIL 925 4th Ave,Suite 3200 ADDRESS: j1h @propelinsurance.com Seattle,WA 98104 n INSURER(S) Automobile(mobile AFFORDING n COVERAGE N9 INSURER A:American Automobile Insurance C 21849 INSURED INSURER B:Vanllner Insurance Company 806 0 SW PfafflInternational Companies e Street SAIF Corporation potation 806 INSURER D: sDne 200 Tigard,OR 97223 INSURERE: 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. TRR TYPE OF INSURANCE NSR WVD POLICY NUMBER MMIDDYEFF MMIDDYYYP LIMITS A GENERALLIABILJTY X X MZG80929459 3/31/2011 03/31/2012 EACH�OCCURRENCE $1 —0 00,OOO X COMMERCIAL GENERAL LIABILITY PREMISE SEE�rrence $1000000 CLAIMS-MADE OCCUR MED EXP(My we person) $20000 X WA Stop Gap PERSONAL BADV INJURY $1,000,000 GENERAL AGGREGATE $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS-COMP/OP AGO Ms2,000,OOO POLCY PRO- X LOC JECT B AUTOMOBILE LIABILITY TRV404370303 2/01/2011 12/01/201 EOMBBIINtlEEDi SINGLE LIMIT X ANY AUTO BODILY INJURY(Per person)ALL OWNED SCHEDULED AUTOS AUTOS BODILY INJURY(Per acdtlent)NON-OWNED PROPERTVDAMAGE HIREDAUTOS AUTOS Peraccident X RLR INTCHG $50,000 LIMB B )( UMBRELLA XC S UAB OCCUR UMV404370007 2/0112011 12101/201 EACH OCCURRENCE $$000000 EESB CLAIMS-MADE AGGREGATE s5,000,000 OED X X LIA RETENTION$10000 E C WORKERS COMPENSATION 745431 0101/2011 10/011201 X WCSTATU- OTH- AND EMPLOYERS'LIABILITY YIN ANY PROPRIETORIPARTNERIEXECUTIVE E.L.EACH ACCIDENT $1000000 OFFICERIMEMBER EXCLUDED? NIA (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1,000000 If yes,describe under DESCRIPTION OF OPERATIONS below IT E.L.DISEASE-POLICY LIMIT $1,000,000 A Motor Truck Cargo MZG80929459 3/31/2011 03/31/201 $1 MM per Vehicle $1 MM per Loss $2,500 Deductible DESCRIPTION OF OPERATIONS I LOCATIONS VEHICLES(Attach ACORD 101,Additional Remarks Schedule,It more span is mnIulred) The City of Ashland, Oregon,and its elected officials, officers and employees are additional insureds per the attached endorsement. CERTIFICATE HOLDER CANCELLATION City of Ashland SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Attn: Karl Olson ACCORDANCE WITH THE POLICY PROVISIONS. Purchasing Representative 90 N Mountain Avenue AUTHORIZED REPRESENTATIVE Ashland,OR 97520 ©1988-2010 ACORD CORPORATION.All rights reserved. ACORD 25(2010/05) 1 Of 1 The ACORD name and logo are registered marks of ACORD #S8110671M807704 CT00 Certificate of Insurance Effective immediately, Propel Insurance will no longer issue certificates of insurance not handled in accordance with statutory laws. We will only issue the most current edition of the ACORDO certificates of insurance. In addition, the only information allowed to be entered in the Description of Operations area of the ACORDO certificates of insurance are the description of operations, the locations and/or vehicles covered by the in-force policy. The issuance or modification of a certificate of insurance that in any way misrepresents any material term, condition, coverage or other provision as set forth in the policy, or deliberately or falsely amends or alters the insurance policy or assists in such issuance or modification violates the state law and subjects the violator to civil and criminal penalties. Please note a certificate of insurance is simply a summary of the designated insurance policy and does not /cannot modify or amend the referenced insurance policy or confer any right upon the certificate holder. In addition, the certificate holder is owed no duty to be notified in the event the insurance policy is cancelled. For purposes of this notice, "certificate' or "certificate of insurance" means any ACORDS certificate of insurance, which is prepared or issued by an insurer or insurance agent as evidence of property or casualty insurance coverage but does not include an actual copy of the insurance policy or insurance binder. Please contact your state department of insurance for further explanation or inquiries. Lite International Companies MZG80929459 MultiCoverf, - CG 71 58 12 07 Policy Amendment(s) Commercial General Liability Coverage Fom1 Your Commercial General Liability Coverage Form is (3) Coverage B does not apply to per- revised as follows: sonal and advertising injury arising out of an offense committed before 1. Broadened Named Insured you acquired or formed the organ- ization. A. SECTION 11 - WHO IS AN INSURED, item 3., is deleted and replaced by the follow- B. SECTION II -WINO IS AN INSURED, the ing: last paragraph, is deleted and replaced by the following: 3. Any organization that you own at the inception of this policy, or newly acquire No person or organization is an insured with or form during the policy period, and respect to the conduct of any current or past over which you maintain during the pol- partnership, joint venture, or limited liability icy period majority ownership or major- company that is not shown as a Named In- ity interest, will qualify as a Named sured in the Declarations. However, this does Insured if: not apply to a limited liability company that meets all of the conditions in Section II - a. There is no other similar insurance Who Is An Insured, item 3., above. available to that organization; and 2. Additional Insured b. The first Named Insured shown in SECTION II - WHO IS AN INSURED, sub- the Declarations has the responsi- section 2.e., is added as follows: bility of placing insurance for that organization; and e. Any person or organization is included as an additional insured, but only to the extent such c. That organization is incorporated or person or organization is held liable for organized under the laws of the bodily injury,property damage or personal and United States of America. advertising injury caused by your acts or omissions. With respect to the insurance af- However forded to such insured, all of the following (1) Coverage under this provision 3 is additional provisions apply: afforded only until the next occur- (1) You and such person or organization ring annual anniversary of the be- have agreed in a written insured contract ginning of the policy period shown that such person or organization be in the Declarations, or the end of the added as an additional insured under this policy period, whichever is earlier, policy; and (2) The bodily injury, property damage or (2) Coverage A does not apply to bodily personal and advertising injury for which injury or property damage that oc- said person or organization is held liable curred before you acquired or occurs subsequent to the execution of formed the organization; and such insured contract; This Form must be attached to Change Endorsement when issued after the policy is written. One of the Fireman's Fund Insurance Companies®as named in the policy A\G�r �Fi�OCCp Secretory U President CG715812-07S Copyright 2007,Fireman's Fund Insurance Company,Novato, CA. All rights reserved. Includes copyrighted materlal of Insurance ServicasoPoce, Inc., with its permisslon. Page 1 of 7 Ule International Companies MZG80929459 (3) The most we will pay is the lesser of behalf of the additional insured at either the Limits of Insurance shown in the site of the covered operations, the Declarations or die limits of insur- has been completed; ance required by the insured contract; (c) Which takes place after that portion (4) Such person or organization is an insured of your work out of which the injury only with respect to: or damage arises has been put to its intended use by any other person or (a) Their ownership, maintenance, or organization other than another use of that part of the premises, or contractor or subcontractor engaged land, owned by, rented to, or leased in performing operations for a prin- to you, except such person or or- cipal as part of the saute project; ganization is not an insured with re- spect to structural alterations, new (d) Which takes place after the expira- construction or demolition oper- don of any equipment lease to ations performed by or on behalf of which (4)(d) above applies; such person or organization; (6) With respect to architects, engineers or (b) Your ongoing operations performed surveyors, coverage does not apply to for that insured; bodily injury, property damage or per- sonal and advertising injury arising out (c) Their financial control of you, ex- of the rendering or failure to render any cept such person or organization is professional services by or for you, in- not an insured with respect to struc- cluding: tural alterations, new construction or demolition operations performed (a) The preparing, approving, or failing by or on behalf of such person or to prepare or approve, maps, shop organization; drawings, opinions, reports, surveys, field orders, change orders, or draw- (d) The maintenance, operation or use ings and specifications; by you of equipment leased to you by such person or organization; (b) Supervisory, inspection, architec- tural, or engineering services. (e) Operations performed by you or on However, if an Additional Insured endorsement is your behalf and for which a state or attached to this policy that specifically names a political subdivision has issued a person or organization as an insured, then this permit, provided such operations are subsection 2.e. does not apply to such person or not performed for such state or pol- organization. itieal subdivision, and are not in- cluded within the products-completed 3. Additional Insured- Vendors operations hazard; Unless the products-completed operations hazard (5) This insurance does not apply to bodily is excluded from this policy, SECTION If - WHO injury, property damage, personal and IS AN INSURED, item 2.f. is added as follows: advertising injury, occurrence or offense: f. Any vendor of yours is included as on addi- (a) Which takes place at a particular tional insured, but only with respect to bodily premises after you cease to be a Injury or property damage caused by your tenant of that premises; products which are distributed or sold in the regular course of the vendor's business, sub- (b) Which takes place after all work, in- ject to the following additional exclusions: cluding materials, parts or equip- ment furnished in connection with (1) The insurance afforded the vendor does such work to be performed by or on not apply to: CG715012.07S Copyright 2007,Fireman's Fund Insurance Company, Novato, CA. All rights reserved. Includes copyrighted material of Insurance SerAcesOl[ke, Inc,with Its permission. Rage 2 of 7 Lile International Companies MZG80929459 (a) Bodily injury or property damage for into, accompanying or containing such which the vendor is obligated to pay products. damages by reason of the assump- tion of liability in a contract or However, if an Additional Insured - Vendors agreement. This exclusion does not endorsement is attached to this policy that apply to liability for damages that specifically names a person or organization as the vendor would have in the ab- an insured, then this subsection 2.f. does not sence of the contract or agreement; apply to that person or organization. (b) Any express warranty unauthorized 4. Additional Insured - Limited Primary and Non- by you; contributory Provision (c) Any physical or chemical change in The following is added as a second paragraph to the product made intentionally by Section IV Conditions, Condition 4. Other Insur- the vendor, ance, following paragraph b.(2): (d) Repackaging, unless unpacked solely However, ifyou have added any person, organiza- for the purpose of inspection, dem- Lion or vendor of yours as an additional insured to onstration, testing, or the substi- this policy by way of this MultiCover fendorse- tution of parts under instructions ment and have agreed in a written insuredcontract from the manufacturer, and then re- that this insurance is primary and non-contribu- packaged in the original container, tory with other insurance available to that addi- tional insured, this insurance is primary and we (e) Any failure to make such in- will not seek contribution from such additional spections, adjustments, tests or ser- insured's other insurance. This provision does not vicing as the vendor has agreed to apply to other insurance to which such additional make or normally undertakes to insured has been added as an additional insured. make in the usual course of busi- ness, in connection with the distrib- 5. Waiver of Subrogation ution or sale of the products; SECTION IV - COMMERCIAL GENERAL (f) Demonstration, installation, servic- LIABILITY CONDITIONS, item 8., is deleted ing or repair operations, except such and replaced by the following: operations performed by the vendor in full compliance with the man- 8. Transfer of Rights of Recovery Against Oth- ufacturer's written instructions at the ers to Us and Blanket Waiver of Subrogation vendor's premises in connection with the sale of the product; a. If the insured has rights to recover all or part of any payment we have made under (g) Products which, after distribution this Coverage Part, those rights are or sale by you, have been labeled or transferred to us. The insured must do relabeled or used as a container, part nothing after the loss to impair those or ingredient of any other thing or rights. At our request, the insured will substance by or for the vendor, or bring suit or transfer those rights to us and help us enforce them. (h) Bodily injury or property damage arising out of the liability of the b. If required by a written insured contract vendor for its own acts or omissions executed prior to the occurrence or of- or those of its employees or anyone fense, we waive any right of recovery we else acting on its behalf may have against any person or organ- ization named in such insured contract, (2) This insurance does not apply to any in- because of payments we make for injury sured person or organization from whom or damage arising out of your operations you have acquired such products or any or your work for that person or organ- ingredient, part or container, entering ization. CG715812-07S Copyright 2007,Fireman's Fund Insurance Company,Novato, CA. All rights reserved. Includes copyrighted material or Insurance ServioesOtrice, Inc, with as permission. Page 3 of 7 Lile International Companies MZG80929459 6. Cancellation - 120 Days in the Declarations, for property damage to any one premises while rented to you, Common Policy Conditions endorsement IL0017, or in the case of damage by fire, explo- A. Cancellation, item 2.b. is deleted and replaced sion, sprinkler leakage, or lightning while by the following: rented to you, temporarily occupied by b. 120 days before the effective date of cancella- you with the permission of the owner, tion if we cancel for any other reason. or managed by you under a written agreement with the owner, is the greater 7. Liberalization of. SECTION IV - COMMERCIAL GENERAL a. $1,000,000 Any One Premises; or LIABILITY CONDITIONS , rite following is ad- ded as an additional Condition: b. The Damage To Premises Rented To You Limit shown in the Decla- Liberalization rations. If we adopt a change in our forms or rules which C. SECTION IV - COMMERCIAL GEN- would broaden the coverage provided by any form ERAL LIABILITY CONDITIONS, 4. that is a part of this policy without an extra Other Insurance, b. Excess Insurance, (1)(a), premium charge, the broader coverage will apply items (i) and (iii), are deleted and replaced by to this policy. This extension is effective upon the the fallowing: approval of such broader coverage in your state. 8. Fire, Explosion, Sprinkler Leakage, or Lightning (u) That is Fire, Explosion, Sprinkler Leak- Legal Liability Coverage age, or Lightning insurance for premises while rented to you, temporarily occu- A. SECTION I - COVERAGES, COVERAGE pied by you with permission of the A BODILY INJURY AND PROPERTY owner, or managed by you under a writ- DAMAGE LIABILITY, 2. Exclusions, the ten agreement with the owner; last paragraph, is deleted and replaced by the following: (iii) That is insurance purchased by you to cover your liability as a tenant for Exclusions c. through n, do not apply to property damage to premises rented to damage by fire, explosion, sprinkler leakage, you, temporarily occupied by you with or lightning to premises while: the permission of the owner, or managed 1. Rented to you; by you under a written agreement with the owner; or 2. Temporarily occupied by you with the permission of the owner; or D. SECTION V - DEFINITIONS, 9. Insured Contract, item a., is deleted and replaced by 3. Managed by you under a written agree- the following: ment with the owner. (a) A contract for a lease of premises. A separate limit of insurance applies to this However, that portion of the contract for coverage as described in Section III -LIMITS a lease of premises that indemnifies any OF INSURANCE. person or organization for damage by B. SECTION III - LIMITS OF INSURANCE, fire, explosion, sprinkler leakage, or item 6., is deleted and replaced by the follow- lightning to premises while rented to you, ing: temporarily occupied by you with per- mission of the owner, or managed by you 6. Subject to 5. above, the Damage to under a written agreement with the Premises Rented To You Limit shown owner, is not an insured contract; CG715812-07S Copyright 2007,Fireman's Fund Insurance Company,Novato, CA. All rights reserved. Includes copyrighted material of Insurance ServicesOffim, Inc,wilh Its permission. Page 4 of 7 Lile Intemational Companies MZG80929459 9. Damage to Invitees' Automobiles from Falling 11. Chartered Aircraft Trees or Tree Limbs- Limited Coverage SECTION I - COVERAGES, COVERAGE A This coverage applies to direct physical damage to BODILY INJURY AND PROPERTY DAM- automobiles awned by invitees subject to all of the AGE LIABILITY, 2. Exclusions, g. Aircra8, following: Auto Or Watercraft, item (6), is added as follows: 1. Provided such damage originates from trees (6) An aircraft in which you have no ownership on premises owned, managed, leased or rented interest and that you have chartered with by an insured; crew. 2. Coverage applies only to invitees of an in- 12. Coverage Territory- Broadened sured or an insured's tenant; SECTION V - DEFINITIONS, item 4.a., is de- 3. Such damage is directly caused by wind-dri- leted and replaced by the following: ven falling trees or tree limbs; a. The United States of America (including its territories and possessions), Puerto Rico, 4. The most we will pay for any one loss is the Canada, Bermuda, the Bahamas, The Cayman lowest of: Islands, and the British Virgin Islands; a. the actual cosh value of the damaged au- 13. Personal and Advertising Injury- Contractual tomobile as of the time of Ore loss; or Unless personal and advertising injury is excluded b. the cast of repairing the damaged auto- from this policy the following applies: mobile; or SECTION I - COVERAGES, COVERAGE B, c. the cost of replacing the damaged auto- 2• Exclusions, item e., is deleted. mobile with another automobile of like 14. Fellow Employee Coverage kind and quality. SECTION 11 - WI-IO IS AN INSURED, 2.a., Regardless of the number of occurrences, item (1) is deleted and replaced by the following: losses or claims, this coverage is subject to a limit of$25,000 in any one policy period; (1) Personal and advertising injury: 5. This coverage is not subject to the General However, subsections (a), (b), (c) and (d) of item Liability General Aggregate Limit; and (1) remain unchanged. 6. We will make payments under this coverage 15. Bodily Injury Definition - Broadened without regard to fault. SECTION V - DEFINITIONS, 3. Bodily Injury 10. Non-Owned or Chartered Watercraft is deleted and replaced by the following: SECTION I - COVERAGES, COVERAGE A Bodily injury means bodily injury, sickness or dis- BODILY INJURY AND PROPERTY DAM- ease sustained by a person including death or mental anguish resulting from any of these at any AGE LIABILITY, 2. Exclusions, item g. Aircraft, time. Mental anguish means any type of mental Auto, or Watercraft, item (2), is deleted and re- or emotional illness or disease. placed by the following: 16. Expected or Intended Injury- Amendment to Ex- (2) A watercraft you do not own that is: elusion (a) Less than 51 feet long; and SECTION 1. Coverage A Bodily Injury and Pro- perty Damage Liability, 2. EXCLUSIONS, a. Ex- (b) Not being used for public transportation petted or Intended Injury, is deleted and replaced or as a common carrier, by the following: CG715B 12-07s Copydghl 2007,FImman's Fund Insurance Company,Novato, CA. All dghts neserved. Includes copyrighted matadal of Insurance servlcasolace, Inc,vntn Its pem isston. Page 5 of 7 Lile International Companies MZG80929459 a. Expected or Intended Injury (a) You, if you are an individual; Bodily injury or property damage expected or (b) Your parhler or member, if you are a intended from the standpoint of the insured. partnership or joint venture; This exclusion does not apply to bodilyinjury (c) Your member, if you are a limited liabil- or property damage resulting from the use of ity company; reasonable force to protect persons or prop- erty. (d) Your executive officer if you are an or- ganization other than a partnership, joint 17. Unintentional Failure to Disclose Hazards venture or limited liability company; or SECTION IV - COMMERCIAL GENERAL (e) Your authorized representative or insur- LIABILITY CONDITIONS, item 6. Representa- ance manager. tions, the following is added: Knowledge of an occurrence or offense by d. If you unintentionally fail to disclose any ha- persons other than those listed above does not zards existing at the inception date of this imply that those listed above also have such policy, we will not deny coverage under this knowledge. Coverage Form because of such failure. However, this provision does not affect our (2) To the extent possible, notice should include: right to collect additional premium or exercise (a) How, when and where the occurrence or our right of cancellation or non-renewal. offense took place; 18. Supplementary Payments - Increased Limits (b) The names and addresses of any injured SECTION I - COVERAGES, SUPPLEMEN- persons and witnesses; and TARY PAYMENTS - COVERAGES A AND (c) The nature and location of any injury or B, items I.b. and Ld., are deleted and replaced by damage arising out of the occurrence or the following: offense. b. The cost of bail bonds required because of 20. Non Employment Discrimination Liability accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Unless personal and advertising injury is excluded Injury Liability Coverage applies. We do not from this policy the following applies: have to furnish these bonds. A. SECTION V - DEFINITIONS, 14. Personal d. All reasonable expenses incurred by the in- and advertising injury, item h. is added as fol- sured at our request to assist us in the inves- lows: tigation or defense of die claim or suit, h. Discrimination. including substantiated loss of earnings up to $500 a day because of time off from work. B. SECTION V - DEFINITIONS, item 23. is added as follows: 19. Duties in the Event of an Occurrence, Offense, Claim or Suit - Amended 23. Discrimination means the unlawful treat- ment of a person or class of persons be- SECTION IV - COMMERCIAL GENERAL cause of their specific race, color, religion, LIABILITY CONDITIONS, item 2.a. is deleted gender, age, or national origin in com- and replaced by the following: parison to one or more persons who are (1) You must see to it that we or any licensed not members of the specified class. agent of ours are notified of a General C. SECTION 1 - COVERAGES, COVERAGE Liability occurrence or offense which may re- B PERSONAL AND ADVERTISING sult in a claim as soon as practicable after it INJURY LIABILITY, 2. Exclusions, the becomes known to: following are added: CG715812-075 Copyright 2007,Fireman's Fund Insurance Company, Novelo, CA. All rights reserved. Includes copyrighted material of Insurance ServlcesoRce. Inc,with Its permisslon. Page 6 of 7 Life International Companies MZG80929459 q. Discrimination directly or indirectly re- A. SECTION I - COVERAGES, COVERAGE lated to the past employment, employ- C MEDICAL PAYMENTS, 2. Exclusions, ment or prospective employment of any item f., is deleted and replaced by the follow- person or class of persons by any insured; ing: r. Discrimination directly or indirectly re- f. Products-Completed Operations Hazard lated to the sale, rental, lease or sublease or prospective sale, rental, lease or sub- Included within the products-completed lease of any dwelling or permanent lodg- operations hazard However, this exclu- ing by or at the direction of any insured; sion does not apply to expenses for den- tal services. s. Discrimination, if insurance thereof is prohibited by law; or B. Section I - COVERAGES, COVERAGE C MEDICAL PAYMENTS, is amended to in- t. Fines, penalties, specific performance, or elude item 3. as follows: injunctions levied or imposed by a gov- ernmental entity, govermnental code, 3. Limit of Insurance law, or statute because of discrimination The Medical Expense Limit of Insurance 21. Medical Payments shall be the greater of Unless COVERAGE C MEDICAL PAY- a. $20,000 Any One Person; or MENTS, or the products-completed operations hazard has been excluded from this policy the fol- b. The amount shown in the Declara- lowing applies: lions. CG715512.07S Copyright 2007,Fireman's Fund Insurance Company,Novato, CA. All dghls reserved. Includes copyrighted rnaledal of Insurance ServiceaOflice, Inc., with Its permission. Page 7 of 7