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Home My WebLink AboutCONTRACT BETWEEN AUGUSTA, GEORGIA AND BLANCHARD AND CALHOUN INSURANCE AGENCY, INC. FOR AUGUSTA REGIONAL AIRPORT (3) LiA HARD AND LHOUN INSURANCE AGENCY i N C . Insurance Proposal Prepared for: City Of Augusta, Georgia Presented by: Preston A. Moss, President Blanchard&Calhoun Insurance Agency,Inc. 245 Davis Road PO Box 212359 Augusta, GA 30917-2359 Phone: (706)650-6000 Fax: (706)650-6001 24-Hour Service: Email: InfoOblanchardcalhounins.com This presentation is designed to give you an overview of the insurance coverages we are offering for your company. It is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance policies that will be written for you. Please refer to your spedfic insurance contrails for details on coverages,conditions and exclusions. in) 11111111111111111111=guicY Pcrs"11121:Sel v PitAOrt A Mos, Account Executive Phonet706R350•te000 x313 Frnnii Thlarraharn:athourilnt SERVICE TEAM Janet M Rockefeller Account Manager Fhcr170t.06')0 601 ! x34-2 Lrna. om k.iairr , Manager 13onrne Mrans Phone (.70€1) 650 C)000 x307 njil"Omirril,riolanchardcalhounqm, con 07/13/2018 This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 2 Named Insui t.J Named Insured City Of Augusta,Georgia Other Named Insureds Named Insured Au: sta Re:'onal Airport Policy Terms 08/28/2018 to 08/28/2019 l_ci tion Schedule Location Schedule Loc Bldg '' "Ion Address City State 001 001 Airport 1501 Aviation Wa Augusta GA 30906-9620 This presentation is designed to give you an overview of the insurance coverages we are offering for your company. It Is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance polides that will be written for you. Please refer to your specific insurance contracts for details on coverages,conditions and exdusions. 11111111111111 Commerc-ia I General Liability Coverage Form Used Coverage Type Aviation Cam'l General Liability Occurrence/Claims Made Occurrence Limits of Liability Coverage Limit Deductible General Aggregate Not Applicable -Personal Operations Aggregate 100,000,000 Personal&Advertising injury Aggregate 50,000,000 Each Occurrence 100,000,000 Fire Legal-Any One Fire 250,000 Medical Expense EXCLUDED Hangarkeepers Uability-Each Aircraft 100,000,000 5,000 Hangarkeepers Liability-Each Loss Limit 100,000,000 Crisis Response-Aggregate 300,000 Crisis Response-Crisis Response Costs-Each Crisis Event 250,000 Crisis Response-Crisis Mgmt Loss-Each Crisis Event 50,000 National Incident Mgmt System-NIMS-Each Occurrence 50,000,000 NIMS-Damage to Premises Rented to You 250,000 NIMS-Medical Expense Not Applicable NIMS-Personal/Advertising Injury 50,000,000 NIMS-General Aggregate Not Applicable NIMS-Products/Completed Operations Aggregate 50,000,000 NIMS-Hangarkeepers Not Covered Airport Expansion-Incidental Medical Malpractice Liability 50,000,000 Airport Expansion-Discrimination-Per Individual 50,000,000 Airport Expansion-Discrimination-Annual Aggregate 50,000,000 Baggage Liability-Each Occurrence 1,000,000 Garagekeepers Liability-Any One Auto 250,000 500 Garagekeepers Liability-Any One Loss 250,000 Excess Auto Legal Liability-Any One Accident or Occurrence 50,000,000 • Premises and Operations ➢ Host Liquor Liability • Products and Completed Operations > Broad Form Property Damage Independent Contractors ➢ Incidental Medical Malpractice • Personal Injury > Non-Owned Watercraft(under 26 feet) ➢ Advertising Injury ➢ Limited Worldwide Products > Fire Damage Liability(Rented Premises) ➢ Medical Expenses Incurred By Others D Contractual Liability ➢ Employees as Additional Insureds This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 4 Commercial General Liability Schedule of Hazards Loc Classification Class Code Premium Basis Exposure 001 Fuel Gallons Sold/Distributor Unit Sold 2,972,160 Additional Endorsement' D Amendment of Coverage Territory—Worldwide Coverage D Crisis Response Coverge Extenison Endorsement D National Inddent Management systern/National Response Plan NIMS Agreement Endorsement > Mutual Aid Agreement D Exclusion—Coverage C—Medical Payments D Cancellation By Us Endorsement—90 Days > Asbestos Exclusion Endorsement • Nudear Risks Exclusion Clause D Date Recogniton Exclusion Clause D Noise and Pollution and Other Perils Exduison Clause > Pollution or Contamination of the Product Sold or Supplies > Terrorism Exclusion—Certified Acts D War Hi-3addng and Other Perils Exclusion Clause Avattion > Airport Expansion Endorsement > Baggage Liability Endorsement • Garagekeepers Liabilility • Excess Auto Legal Liability D Additional Insured—Designated Person or Organization > Waiver of Governmental Immunity Endorsement D Sanctions and Embargo Clause—AVN111 This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exdusions that apply. 5 Cur��r�ierciLl Autolmmoblle Pilots Coverages/Limits Coverage Description Limits Deductible Combined single limit 1,000,000 Medical payments 5,000 Uninsured Motorists Combined Single Limit 500,000 Comprehensive 500 Collision 1,000 t.iability-Covered Auto Symbols Liability Uninsured Motorist 10 Physical Damage-Covered Auto Symbols Corn•rehensive 7 Collision 111.111.11.1.111111111111.1.11.1111111 Covered Auto Symbols: 1-Any Auto 2-Owned Autos 3-Owned Private Passenger Autos 4-Owned Autos Other Than Private Passenger Autos 5-All Owned Autos Which Require No-Fault Coverage 6-Owned Autos Subject to Compulsory UM Laws 7-Autos Specified on Schedule 8-Hired Autos 9-Non-Owned Autos 10-Only Those Autos Described In Item 3 of the Declarations with Liability Premium Shown Vehicle Schedule 10011112= Make - VIN Comp Ded Coll Ded 001 2013 Chevrolet Impala 2G1WF5E34D1260512 500 1,000 002 2013 Chevrolet Impala 2G1WF5E37D1260780 500 1,000 This proposal is provided as an overview of your policy. You must refer to the provisions found in your polity for the details of your coverage,terms,conditions and exclusions that apply. 6 Coim1meroal Autonobil o�Yerag Coverages/Limits Coverage Description Limits Deductible Combined single limit 1,000,000 Uninsured/Underinsured Motorist CSL 500,000 Comprehensive See Schedule Collison See Schedule Liability-Covered Auto Symbols Uninsured Motorist 7 Physical Damage-Covered Auto Symbols Comprehensive Collision 7 Covered Auto Symbols: 1-Any Auto 2-Owned Autos 3-Owned Private Passenger Autos 4-Owned Autos Other Than Private Passenger Autos 5-All Owned Autos Which Require No-Fault Coverage 6-Owned Autos Subject to Compulsory UM Laws 7-Autos Specified on Schedule 8-Hired Autos 9-Non-Owned Autos This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 7 Vehicle Schedule Veh Year Make Model VIN Comp Ded Coll Ded 001 2000 Ford F150 Ext Cab 3FTRX18W7YNC23152 500 1,000 002 2000 Ford Ranger 1FTYR10VXYPB81203 500 1,000 003 2000 Ford F150 Ext Cab 3FTZX1722YNC23154 500 1,000 004 2000 Ford F150 3FTZF1725YMA76325 500 1,000 005 2002 Ford F450 1FDXF47FX2EB91748 500 1,000 006 2000 Ford F150 Ext Cab 1FTZX172XYNA67316 500 1,000 007 1997 Ford F750 1FDLF47F4VEB07197 008 2002 International 4700 1HTSCABR12H554723 500 1,000 009 2003 Ford ,Explorer 1FMDU74K137A39444 500 1,000 010 2001 Better Built Car Hauler 4MNDB1626Y1001571 500 1,000 011 1990 Chevrolet C35 1GBHC3415LE178707 012 1990 International 4000 1HSSJZ6R1LH684084 013 2008 D&E Trailer 1D9BU25258G46CJ44 500 1,000 014 1993 Ford F700 1FDWK74C2PVA38436 015 2011 Ford Expedition 1FMJU1G57BEF33738 500 1,000 016 2011 Ford Expedition 1FMJU1G55BEF33737 500 1,000 017 2011 Ford Expedition 1FMJU1G53BEF33736 500 1,000 018 2010 Ford Explorer 1FMEU6DE8AUA62898 500 1,000 019 2010 Elgin Crosswind Sweeper JNAPC81L5AAF80151 020 2006 Ford Crown Victoria 2FAFP71W76X148860 021 2013 Ford F-150 1FTFX1EFODFC13929 500 1,000 022 2013 Ford F-150 1FTFX1EF7DFC13930 500 1,000 023 2013 Ford F-150 1FTFX1EF9DFC13931 500 1,000 024 2013 Ford F-150 1FTMF1CMXDKE71989 500 1,000 025 2013 Ford F-150 1FTMF1CM8DKE71988 500 1,000 026 2013 Ford F-150 1FTMF1CM6DKE71990 5O0 1,000 027 2013 Ford F-150 1FTMF1CM8DKE71991 500 1,000 028 2013 Ford E450 1FDFE4FS2DDB28956 500 1,000 029 2013 Ford E450 1FDFE4FS6DDB28958 500 1,000 030 2014 Ford Expedition 1FMJU1G52EEF24000 500 1,000 031 2003 Oshkosh Striker 3000 10TDKAK1535076597 1,000 1,000 _032 1993 E-One Titan 4ENDAAA85P1002193 1,000 1,000 033 2012 E-One P7 4EN9AAA80C1007172 1,000 1,000 034 2008 Ford Crown Victoria 2FAFP74V98X160885 1,000 1,000 035 2014 E-One Typhoon 4EN6AAA8XE1008951 1,000 1,000 036 2015 Ford Expedition XL 1FMJU1GT8FEF45689 500 1,000 037 2015 Dodge Charger 2C3CDXAG3FH891013 500 1,000 _038 2015 Dodge Charger 2C3CDXAG8FH891024 500 1,000 039 2016 Ford F250 1FT7W2B67GEC85822 500 1,000 040 2017 Ford F250 Pickup 1FT7W2B6XHEE34306 500 1,000 041 2017 Ford Explorer 1FM5K8ARXHGE15434 500 1,000 This presentation Is designed to give you an overview of the insurance coverages we are offering for your company. It is meant only as a general understanding of your Insurance needs and should not be construed as a legal Interpretation of the insurance polides that will be written for you. Please refer to your specific insurance contracts for details on coverages,conditions and exclusions. Drivers Schedule Driver Name 001 Timothy Weegar 003 Diane Johnston 005 Crystal M.Johnson 006 Durinda 1.Davis 007 John Stearley 008 Shellie E.Cain 009 Augustine G.Rhodes 010 Paul Robert Williams 011 Gregory Carl Hughes 013 David Widener 014 Robert L Jenkins,Sr. 015 Monika Peoples 016 Ricky Jones 018 Ron W.Honeycutt 019 Elizabeth Diane Vance 020 CamelI Haynes 021 Michael G.Noikov 022 Ontario Starks 023 Carter T.Benson 024 Angele Marcell Harris 025 Deranda Faye Westbrook 026 Philip W.Benifield 027 Kevin P.Woolsey 028 Michael A.Lawrence 029 Steve Hammond 031 James B.Douglas 033 Joshua Danhelm 034 Kenneth Hinkle 035 LaRondra West 036 Risa Bingham 037 James Reedy 038 Robert Williams 039 Lauren Smith 040 Jeffrey P.Brown 041 Wanda L Martin 043 Frederick Shaver 044 Gregory Boyd 045 Jeremiah Rupert 046 John P.O'Donnell 047 , Phillip Brigham 048 Ronald Kendrick 049 Terrence Favors 050 Lisa Stewart 051 Reather L Newsome This proposal Is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 9 Driver Name 052 Margot B.Lathan 053 Jennifer L Carroll 054 Felizitas G.Terrell 055 Anthony Ellington 056 Charles A.Toole 057 Tommy Story 058 Patrick Chambers 059 Quistani Evans 060 Matthew E.Chapman 061 Jeffrey S.Lovejoy 062 Al Robinson 063 Dan Moxley 064 Pamela Benton 065 Herbert L Flowers,Jr. 066 Gerald McCoy 067 David Copeland 068 Auburn White 069 Jacob L.Johnson 070 Christopher E.Valentine 071 Tyler J.Good 072 Herbert L.Judon,Jr. 073 Tammy H.Avery 075 Terrell,Dylan J. 077 Etterle,Jimmie 078 Felix A Nazario Ortiz 079 Paul Strycharz 080 Matthew Tindell 081 Adrienne Ayers 082 Andres Del Rio 083 Herman Ruffin 084 Amos Whigham/Watch 085 Matthew Maddox 087 Amelia Ramone Lamkin 088 Jeffrey Scott Peebles 089 William Probus 090 Nikema Butts 0091 Galen Porter Freeman 092 Gregory Larsen 093 Candy Adams 094 Jamie Klembara 095 Roberto Ferguson 096 Alicia Pyle 097 Brandon Johnson 098 Bryan Brown 099 Joseph Mulderink 100 DennIs Gainey This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 10 Driver Name 101 Carl Gibbons 102 Donald Kittilson 103 RogerJ Smith 104 Gregory Campbell 105 Rickie Williams 106 Mitchell Watts 107 Jaylen Santos 108 John Colette 109 Ricahrd Beal 110 Robert McCabe 111 Christopher Carter 112 Allen Crispin Fuentes 113 Thomas Klaus Boettcher This proposal Is provided as an overview of your policy. You must refer to the provisions found In your policy for the details of your coverage,terms,conditions and exdusions that apply. Commercial inland Marine Equipment Floater Coverage Loc Cove :e Limit Deductible Valuation Co-Ins 001 0=M 1,083,890 1,000 Actual Cash Value 100% SClreduled Equipment item Year Manufacturer Model Description ID/Serial a Limit 002 1997 International 4700 1HTSCABR4WH548629 107,233 003 1996 Ford F800 1FDY80C5WA06697 98,869 005 1976 Chevrolet 3500 TCT3368515965 11,500 007 1997 Ford 350 XL 3FEJF3764VMA21212 64,300 008 2008 International NaviStar 7400 3HTWAAAR19N048401 162,775 009 2010 international NaviStar7400 1HTWCAAR8BJ3SS506 187,558 010 2006 International 7300 DT466 1HTWAAAR26J349743 160,700 011 2016 International 7400 Refueler 1HTWGSTT0HH501090 290,955 Equipment Floater Coverage Loc Cov: -:e Limit Deductible 001 Special form 500,000 1,000 • Scheduled Equipment Year Manufacturer =MEM Descri• ion ID/Serial# Limit 001 - Blanket fine Arts 500,000 This presentation is designed to give you an overview of the insurance coverages we are offering for your company. It Is meant only as a general understanding of your Insurance needs and should not be construed as a legal interpretation of the insurance polices that will be written for you. Please refer to your spedfic Insurance contracts for details on coverages,conditions and exclusions. Dim tors & Officers Liability Coverage Form Used Non•rofit Organization Directors&Officers Occurrence/Claims Made Claims Made Retroactive Date 133111111111111111.11111111111.11111111.1111111. Prior and or Pendi : Date 08/25/2011 Continul Date 08/25/2011 Limits of Liability Coverage Limit Deductible Nonprofit Organization D&O—Aggregate 1,000,000 10,000 Investigative Costs Sublimit 100,000 Additional Defense Unlimited Additional Endorsements ➢ Extension of Credit Exdusion ➢ Regulatory Exdusion ➢ Public Official Liabililty Coverage Endorsement ➢ Cap on Losses From Certified Acts of Terrorism This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 13 l oliutitin I_iE ili�y Coverage Form Used Coverage Type Pollution L :al Liabili Occurrence/Claims Made Claims Made Retroactive Date 08/25/2011 Limits of Liability Coverage Limit Deductible Aggregate 10,000,000 On-Site Clean-Up of New Conditions 10,000,000 25,000 3rd Party Claims Off-Site Clean-Up Resulting from New Conditions 10,000,000 25,000 3rd Party Claims for Bodily Injury and Property Damage 10,000,000 25,000 Emergency Response Costs 250,000 25,000 3'd Party Claims for Non-Owned Locations 10,000,000 25,000 3"d Party Claims Resulting From the Transportation of Cargo 10,000,000 25,000 D Cargo Coverage Endorsement > Illicit Abandonment Exclusion Endorsement > Capital Improvements Exclusion Endorsement > Voluntary Site Investigation Exclusion Endorsement > Pier Network Provider Deductible Reduction Endorsement > Indoor Air Quality-$50,000 Sub-Limit Endorsement • Crisis Response and Crisis Management Endorsement This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exdusions that apply. 14 Promium Summory Description of Coverage Carrier AM Best Expiring Proposed Rating Premium Premium Aviation Commercial AGI Assurance Co. A $68,545.00 $75,788.00 General Liab. Business Auto—Pilots National Liability and Fire Co. A++ $4,541.00 $ 5,448.00 Pkg—Business Auto Cincinnati Insurance Co. A+ $50,833.00 $54,157.00 Pkg—Inland Marine Cincinnati Insurance Co. A+ $ 7,989.00 $7,989.00 Pkg—Terrorism Cindnnati Insurance Co. A+ $49.00 $60.00 Directors&Officers Liab* Cincinnati Insurance Co. A+ $5,023.00 $ 5,023.00 Pollution Liability** Indian Harbor Insurance Co. A $15,947.00 $ 15,947.00 Total Estimated Annual Premium* $152, 2.7.00 $164,412.00 *All Proposed Premiums are annual estimated and are subject to change. *The Directors and Officers policy is a 3-year policy but only 1 year of premium showing above. Total 3-year premium $15,069.00.It will be the same until 8/28/2020. **The Pollution policy is a 3-year policy but only 1 year of premium showing above. Total 3-year premium $47,840.00.It will be the same until 8/28/2020. The enplanement exposure increased from 280,000 to 300,000. In the last term we added(2)2017 Fords and a 2016 Refueler($290,995) This proposal is provided as an overview of your policy. You must refer to the provisions found In your policy for the details of your coverage,terms,conditions and exclusions that apply. 15 B€riding Requirements Items needed to Bind: 1. 2. 3. 4. 5. This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage, terms,conditions and exclusions that apply tc Rejected G v erayc's I understand and acknowledge that the following insurance policies or coverages can be quoted or have been offered to me and that I have decided not to request a quote or purchase the coverage at this time. Directors and Officers Liability Insurance Employment Practices Liability Insurance Commercial Crime Insurance Commerdal Excess or Umbrella Policy Flood Insurance Earthquake Insurance Ordinance or Law Coverage Professional Liability Boiler&Machinery(Equipment Breakdown) I acknowledge my rejection of these options may result In the denial of claims In the future. fA Named Insured: !las !Lc, a z. ,.��is Title: 01,6 (1/1i1' / G."'--- t Signature: ', A / / Date: 1, i-4,- �o lvrj This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 17 IIIIIIIIIIIIII Agreement and Acceptance The undersigned Insured acknowledges that they have read and understood the Insurance Proposal as presented by the Blanchard & Calhoun Insurance Agency, Inc.and authorizes them to bind coverage. Effective Date: 8/28/2017 Policy Type: Package PROPOSED COVERAGE HAVE BEEN REJECTED/MODIFIED AS OUTLINED: 1. 2. 3. 4 Named Insured: .- Title: NA t.6 Signature: ' A ,f Date: 1,6 �� RETURN TO THE ATTENTION OF: Preston A.Moss FAX: (706)650-6001 MAIL: Blanchard&Calhoun Insurance Agency,Inc. 245 Davis Road PO Box 212359 Augusta,GA 30917-2359 This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 18 AUGUSTA RICHMOND COUNTY W:Ov"1"--- )44M Hardie Davis, Jr., Mayor Ovie ATTEST: / % �", Y .1 A O 1 a Len 4 - eiv�Ierk re • ., 4 Apiiroved as 16 Form: w s-,,,,,,r;'' 4/ i /10/11 ‘-- etilLe Andrew Mackenzie, Esq. 1 Carrier Rating A.M.BEST FINANCIAL STRENGTH RATING Best's Rating consists of Rating Classification and Financial Size Category. The Rating Classification assesses Company's overall performance and ability to meet its respective policyholder and other contractual obligations. The Rating Classifications are shown below: Rating Ability "Not Explanations Classification Assigned" Classification A++,A+ Superior NA-1 Special Data Filing _A,A- Excellent - NA-2 Less than Minimum Size B++, B+ Very Good NA-3 Insufficient Operating Experience B, B- Adequate NA-4 Rating Procedure Inapplicable C++, Ci- Fair NA-5 _Significant Change C, C- Marginal NA-6 Reinsurance by Unrated Reinsurer D Very Vulnerable NA-8 Incomplete Financial Information E State Supervision NA-9 Company Request F In Liquidation NA- 11 Rating Suspended The Financial Size Category of Best's Rating examines the Company's finandal strength. The finandal Size Category amounts for the Company's equity, or Policyholder Surplus available to meet policy holder obligations. The categories are as follows: Class Range in 00 ' g R s Class Range in 000'S I Up to 1,000 IX 250,000 to 500,000 II 1,000 to 2,000 X 500,000 to 750,000 III 2,000 to 5,000 XI 750,000 to 1,000,000 IV 5,000 to 10,000 XII 1,000,000 to 1,250,000 V 10,000 to 25,000 XIII 1,250,000 to 1,500,000 VI 25,000 to 50,000 XIV 1,500,000 to 2,000,000 VII 50,000 to 100,000 XV 2,000,000+ VIII 100,000 to 250,000 This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 19 (�o-Insurance Definitirjn WHAT DOES CO-INSURANCE MEAN? A policy may contain a co-insurance provision requiting that the limits of insurance be a minimum percentage(usually 80%)of the insurable value of your property. If the limits of your policy are less than what Is required by this provision, then any claim payment made to you may be reduced by the same percentage as the deficiency. EXAMPLE Property Value = $ 100,000 Insurance Required = $ 80,000 Insurance Carried = $ 60,000 Amount of Loss = $ 10,000 Since the amount of insurance carried is 25%less than the amount required($80,000 as shown above), then any loss paid to you by the insurance carrier would be reduced by 25%. Below is an example of how the amount paid would be calculated. CO-INSURANCE CALCULATION Insurance Carried($60,000) Insurance Required($80,000) = .750(Percentage of the loss to be paid) Amount of Loss= ($10,000)X.750(the percentage paid) = $7,500. Based on the above example,you would be paid$7,500 minus any deductible that applies. **Notify your agent immediately when you have a substantial increase in the value of your building or contents in order to avoid any possible co-insurance penalties. This proposal Is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 20 AUTOMOBILE: Automobile: This policy can provide a combination of liability protection and physical damage coverage for loss due to damage to vehicles owned, maintained, or used by you. Additional coverages such as medical payments and uninsured motorist protection can be purchased to "customize"the policy to fit your business. Automobile Liability: This coverage is used to protect against daims alleged for bodily injury and property damage arising from the ownership, maintenance or use of any covered auto. Collision: This coverage is used to Insure against loss or damage to a covered vehide resulting from collision or upset. Combined Single Limit: Combined single limit coverage specifies that regardless of the number of covered autos, insureds or claims occurring in any one accident, the most that you can recover is the limit of liability shown on the policy's declaration page. This indudes damage associated with bodily injury, property damage and pollution costs or expenses. Comprehensive: This coverage is used to insure against loss or damage to a covered vehicle resulting from loss other than collision or upset. Drive Other Car: This endorsement is used to protect employees or other specified individuals when they borrow or rent cars for personal use,and do not have the protection of a Personal Auto policy. Hired Auto Liability: This coverage Is used to protect against daims arising out of the use of vehides leased, hired, rented or borrowed by you, or your employees, while In the course of business. Medical Payments: This coverage is used to pay for medical expenses incurred by a covered person injured while driving or riding in your automobile. It provides coverage, regardless of fault, for all reasonable medical costs incurred for up to one year from the date of the accident. It does not cover injury to employees. Non-Owned Auto Liability: This coverage Is used to provide liability protection for autos used in your business that are not owned, leased, hired, rented or borrowed. This Includes autos of employees and subcontractors that are used on your behalf. BUSINESS INCOME: Business Income: Provides insurance for loss of net profits and continuing expenses (induding necessary payroll) due to suspension or interruption of business due to a loss from an insured peril. Earnings Insurance: A form of business interruption coverage which provides a monthly limitation. Extra Expense: This coverage pays for the additional costs of keeping a business in operation after a loss,either at the Insured location or at a substitute location. This proposal Is provided as an overview of your policy. You must refer to the provisions found In your policy for the details of your coverage,terms,conditions and exclusions that apply. 21 Rental Value Insurance: Rent insurance protects building owners against the loss of income where rentals have been Interrupted or rental value impaired by occurrence of any of the hazards insured against. This is Business Intenvption Insurance for the landlord, assuring continuous income while the building is untenantable. Employee Dishonesty: Indemnifies for loss due to embezzlement or wrongful abstraction of money,securities or other property by employees. Theft,Disappearance,and Destruction: Inside Coverage: Provides coverage for loss of money and securities caused by theft, disappearance,or destruction. Coverage also applies to any banking premises. Outside Coverage: Provides coverage for loss of money and securities in the care and custody of a messenger caused by theft,disappearance,or destruction. Fiduciary Liability: Covers acts or omissions of individuals who have discretionary responsibility invoMng a designed pension or profit sharing plan or newly created plan Forgery: Covers loss resulting from forgery or alteration of any checks, drafts, promissory notes, or similar promises. EXCESS/UMBRELLA LIABILITY: Excess Liability: Provides protection against catastrophic liability claims. Coverage is excess over your primary liability policies and is subject to policy conditions and exclusions. GENERAL LIABILITY; Advertising Injury: A. Oral or written publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services. B. Oral or written publication of material that violates a person's right of privacy. C. Misappropriation of advertising ideas or style of doing business. D. Infringement of copyright,title or slogan. Blanket Contractual: Coverage is provided for Bodily Injury and Property Damage arising out of liability assumed under written or oral contracts. Broad Form Property Damage: This form excludes property damage to property owned, occupied or rented by the insured but covers property damage to property in the care, custody and control of the insured with the exception of property upon which the operation is being performed. Claims Made: This coverage will provide protection for only those daims reported or first made during the policy period or during any previous policy period that is stated in the Prior Acts or Retroactive Date option of your policy. This option allows you to keep coverage in force under consecutive Claims-Made policies. Employees as Additional Insureds: Coverage is extended to ail employees as additional insureds. This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 22 Fire Legal Liability: Fire damage to structures while rented or leased to the named insured. General Liability: Provides in a single contract insurance needed to cover liability for Injuries or property damage sustained by members of the public. It covers accidents occurring on your premises or away from your premises as a result of business operations. It automatically covers certain hazards which do not now exist, but which may develop during the life of the PdicY• Host Liquor Liability: Coverage is provided for the insured serving alcoholic beverages at functions incidental to the Insured's business provided he is not In liquor, or related, business. Incidental Medical Malpractice: Coverage is provided for rendering - or failure to render- medical care to others. This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exclusions that apply. 23 Independent Contractors: Independent Contractor's Liability Insurance provides for payment on behalf of the Insured of all sums which the insured shall become legally obligated to pay damages because of Bodily Injury or Property Damage caused by an occurrence and arising out of (1) operations performed for the named insured by Independent contractors or (2) acts or omissions of the named insured In connection with his general supervision of such operations (other than (a) maintenance and repairs at premises owned by or rented to the named insured and (b) structural alterations at such premises which do not involve changing the size of or moving buildings or other structures). Limited Worldwide Liability: Covers liability arising out of the activities of the named Insured and his employees while temporarily outside the United States, its' territories or possessions or Canada, provided the original suit for damages is brought within the United States, its'territories or possessions or Canada. Medical Payments: Pays for medical expenses for bodily injury caused by accident on your premises or because of your operations regardless of fault. Payments not to exceed applicable limit of insurance. Non-Owned Watercraft(under 26 feet in length): Extends coverage to cover boats used by but not owned by the named insured,nor used to carry persons for a charge. Occurrence Form: This form provides coverage for dalms arising out of an accident which results in bodily Injury or property damage neither expected nor intended. The form covers such daims that occur during the policy period regardless of when the claim Is mad against you. Definitions Personal Injury: A. False arrest,detention or imprisonment. B. Malicious prosecution. C. Wrongful entry into or eviction of a person from a room, dwelling or premises that the person occupies. D. Oral or written publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services. E. Oral or written publication of material that violates a person's right of privacy. Products and Completed Operations: Products and Completed Operations includes all bodily injury and property damage occurring away from premises you own or rent and arising out of'your product' or 'your work' except products that are still in your possession and work that has not yet been completed or abandoned. This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exdusions that apply. 24 PROPERTY` Accounts Receivable: Covers accounts receivables on a special coverage "all risk" basis. Includes sums due the Insured from customers which are uncollecbbie due to loss or damage to records of accounts receivable, collection expenses in excess of normal, and other reasonable expenses to re-establish records of accounts receivable. Building: This insurance provides coverage against direct physical damage to the buildings or structures you own or are required to insure by reason of contract or agreement. Business Personal Property: This insurance covers office contents (furniture, equipment and supplies), your inventory, materials, supplies, fixtures, equipment, machinery, tenants improvements and betterments at the described premises against risks of direct physical loss from external causes. Cause of Loss - Basic Form: Perils covered under Basic Form include Fire, Lightning, Explosion, Windstorm or Hall, Smoke, Aircraft or Vehicles, Riot or CMI Commotion, Vandalism, Sprinkler Leakage,Sinkhole Collapse, Volcanic Action. Cause of Loss - Broad Form: Perils covered under Broad Form Causes of Loss indude the identical perils as the Basic Form with the addition of Breakage of Glass, Falling Objects,Weight of Snow,Ice or Sleet,Water Damage,Collapse. Cause of Loss - Special Form: The covered causes of loss under this form are "risks of physical loss" unless the loss by the peril is exduded or limited. Standard exdusions under this form indude Ordinance of Law, Earth Movement, Government Action, Nuclear Hazard, Power Failure, War and Military Action, Water- Flood, Backing Up of Sewers, etc,Artificially Generated Electric Current,Delay, Loss of Use of Market,Wear and Tear, Dishonest or Criminal Acts, Rain, Snow, Ice or Sleet to Property in the Open. Coinsurance Clause: An agreement in a policy wherein the insured agrees to Insure a stated percentage of the value at risk, in return for which a reduction in rate Is granted. It is used on both property and time element policies. Electronic Data Processing Equipment: Covers electronic data processing equipment, other machines related to data processing operation,and media on a special coverage basis. Glass: Covers described glass, lettering, ornamentation, for loss caused by breakage or accidental or malicious application of chemicals. United protection is provided in your Property policy, but the additional coverage is needed to ensure that adequate insurance is available. Besides covering the scheduled glass, this insurance will pay for the costs to repair or replace the frames, Installation of temporary glass or the removal of obstructions in the event of loss. This proposal is provided as an overview of your policy. You must refer to the provisions found in your policy for the details of your coverage,terms,conditions and exdusions that apply. 25 Replacement Cost: This endorsement provides coverage on the basis of full replacement cost without deduction for depredation on any covered loss sustained subject to the limits, terms and conditions of the policy including the co-insurance dause. In arriving at the proper amount of Insurance to comply with the co-insurance dause no deduction Is taken for depreciation. Signs:This Insurance provides coverage against direct physical damage to structural or painted signs, whether or not attached to the building. Valuable Papers: Valuable papers and records are covered on a special coverage "all risk" basis. Coverage applies on the insured's premises and is extended to cover while being conveyed outside the premises. Coverage will be specific for irreplaceable Items or blanket for items which can be reproduced. 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