GENERAL LIABILITY UNDERWRITING REQUIREMENTS

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GENERAL LIABILITY

UNDERWRITING REQUIREMENTS

GL-1 5/7/2010

GENERAL LIABILITY REQUIREMENTS

Casualty business that you can quote, bind and issue must meet the following requirements:

 The Classification Manual must indicate that the Classification is “Contract” or “PDQ” business. You may quote, bind and issue “Submit” business after receiving prior approval from your Colony Underwriter.

 The risk must not fall in any way into the “Prohibit” classes of business.

 Primary casualty coverage may be written on the ISO Simplified Rating Plan using only the ISO Simplified Coverage Forms and approved Colony Management Forms.

 Policies are to be written on an annual basis only with the exception of Special Event policies & risks eligible for the Vacant Bldg PDQ. All other requests for short or extended term policies should be referred to the Company.

 Obtain payroll/receipts on all risks to help determine if the rating base is realistic.  Coverage may only be written on Occurrence Form CG 00 01.

 PDQ rates must be used in lieu of ISO rates, where provided.

 Risks that have had more than 3 losses in the previous 3 years and any one loss greater than $5,000 must be submitted.

 For “A” rate classifications, contact your Contract Underwriter if not listed in the CLM.

 In the event of cancellation, a 25% minimum earned premium is required based on the estimated annual premium. No downward adjustment is allowed. The company reserves the right to conduct audits and adjust the premium upward.

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GL-2 5/7/2010

The following exposures of business are unacceptable and coverage must not be written involving any of these exposures.

1. COMMERCIALGENERALLIABILITY:

a. Demolition of buildings more than 36 feet in height

b. Amusement parks or devices, midway rides, carnivals, circuses and motor sports events c. Blasting or excavating operations

d. Production of motion pictures e. All mining or quarrying operations f. Tunnel or subway construction

g. Work on or navigation of any oceangoing vessel

h. Marine wrecking, including repair, cleaning, or demolition of vessels or barges i. Offshore or submarine operations

j. Railroads, including street railways, manufacturers of railroad equipment and contractors doing repair work on railroad equipment, except side track agreements

k. Aircraft, airports or flight operations l. All governmental bodies

m. Natural or artificial fuel gas, butane, propane or liquefied petroleum gases, gasoline or fuel oils, except with respect to:

(1) Wholesale distribution of gasoline and fuel oils within a 50-mile radius

(2) Storage of gasoline and fuel oils with a combined total capacity of up to 75,000 gallons

(3) Retail service stations

n. Manufacturing of any explosive substance intended for use as an explosive

o. Handling, transportation or storage of explosives, ammunitions or ammonium nitrates p. Gas or public utility companies

q. Property damage liability arising out of the blasting, implosion, shoring or moving of buildings or structures

r. Liquor liability, except when written in conjunction with general liability insurance and may be written only by special approval of the company (see PDQs where available) s. Products and completed operations as respects:

(1) The manufacture, sale, handling or distribution of aircraft, aircraft parts, spacecraft or spacecraft components

(2) The manufacture of drugs, pharmaceuticals, vitamins, herbal dietary supplements, cosmetics, hair, scalp, or skin products

(3) The manufacture, blending, and wholesale distribution of agricultural chemicals t. Products recall insurance

u. Any Endorsements to broaden the coverage of the policy that are not approved by your Colony Underwriter

v. Any risk with fireworks or pyrotechnical exposures are to be prohibited (even if subcontracted)

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GL-3 5/7/2010

LIMITS OF LIABILITY

**Maximum Limits of Liability - Final Underwriting Authority Rests with the Company.

A. General Aggregate (other than Products-Completed Operations): $2,000,000 B. Products Completed Operations Aggregate Limit: $2,000,000 C. Personal Injury & Advertising Injury Limit: $1,000,000

D. Each Occurrence Limit: $1,000,000

E. Damage to Premises Rented to You: $ 100,000

F. Medical Expense Limit: $ 5,000

Damage to Premises Rented to You limit can be increased to $300,000 for $300 additional premium.

**SUBMIT FOR HIGHER LIMITS MINIMUM PREMIUMS

 If General Liability (mono-line or packaged) is over $25,000 in premium, submit to your Underwriter.

DEDUCTIBLES

 $250 minimum deductible is required for most Casualty Business.

 The agent may add a deductible up to $1,000 if the risk is improved with a deductible.  Deductible credits are not applicable and should not be used without company approval.

GENERAL LIABILITY

GL Limit GL M.P. Monoline GL M.P. if Part of Package

$300,000 $550 $450

$500,000 $650 $550

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GL-4 5/7/2010

Personal Injury and Advertising Injury are prohibited on the following classes: Accountants Offices

Advertising Companies Banks

Church Program

Credit Investigation Companies Collection Companies

Computer related risks

Employment Agencies and Contract Labor Finance Companies

Insurance Agents Known Personalities Lawyers Offices

Political Campaign or Office Headquarters Printers

Publishers

Radio or TV Broadcast Stations

Real Estate Agents (PROHIBITED CLASS) Record, Tape or Video Manufacturing Recording Studios

Sign Companies Stock Brokerages Theatrical Companies Travel Agencies

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GL-5 5/7/2010

FORMS

The following are mandatory for all Contract policies (EXCEPT FARM & RANCH; OCP and INLAND MARINE) All exceptions must be approved by your Underwriter. In addition to the following forms, see the terrorism section for all applicable mandatory forms and procedures.

MANDATORY FORMS

PJCG POLICY JACKET

PJCICFL POLICY JACKET(FLORIDA RISKS ONLY) DCJ6550 COMMON POLICY DECLARATIONS

DCJ6553 COMMON GENERAL LIABILITY COVERAGE PART DECLARATIONS IL0017 COMMON POLICY CONDITIONS

IL0021 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT – BROAD FORM PRIVACY NOTICE – PRIVACY NOTICE

SLBDATA SURPLUS LINES BROKER DATA TXNOTICE TEXAS POLICYHOLDER NOTICE

CG0001 COMMERCIAL GENERAL LIABILITY COVERAGE FORM (OCCURRENCE)

CG0068 RECORDING AND DISTRIBUTION OF MATERIAL OR INFORMATION IN VIOLATION OF LAW EXCLUSION

CG2167 FUNGI OR BACTERIA EXCLUSION U001 SCHEDULE OF FORMS

U002 MINIMUM POLICY PREMIUM

U003 HAZARDOUS MATERIALS EXCLUSION

U004 MISCELLANEOUS EXCLUSIONS ENDORSEMENT U048 EMPLOYEMENT-RELATED PRACTICES EXCLUSION U094 SERVICE OF SUIT

U159 LIMITATION OF COVERAGE TO BUSINESS DESCRIPTION (COMPLETE WITH

DESCRIPTION FROM CLASS CODES-NO NOC DESCRIPTION OR FROM APPLICATION TO LIMIT COVERAGE TO RISK ASSUMED- CALL YOUR UNDERWRITER IF YOU ARE NOT SURE)

U173 CANCELLATION (OR ATTACH THE STATE SPECIFIC UIL FORM FOR AK, AR, CT, FL, IA, IN, KS, ME, MT, NM, NV, OK, PA, SC, VT, WA, WY)

U608 NEW YORK CHANGES – CONDITIONS U612 EXCLUSION – ASBESTOS, LEAD OR SILICA

UIL0146 CANCELLATION AND NON-RENEWAL WASHINGTON

UIL0219 VERMONT CHANGES – CANCELLATION AND NON-RENEWAL UIL0231 ARKANSAS CHANGES – CANCELLATION AND NON-RENEWAL UIL0236 OKLAHOMA CHANGES – CANCELLATION AND NON-RENEWAL UIL0243 MONTANA CANCELLATION AND NON-RENEWAL

UIL0246 PENNSYLVANIA CHANGES – CANCELLATION AND NON-RENEWAL UIL0247 CANCELLATION AND NON-RENEWAL – MAINE

UIL0249 SOUTH CAROLINA CHANGES – CANCELLATION AND NON-RENEWAL UIL0251 NEVADA CHANGES – CANCELLATION AND NON-RENEWAL

UIL0252 WYOMING CHANGES – CANCELLATION AND NON-RENEWAL UIL0255 FLORIDA CHANGES – CANCELLATION AND NON-RENEWAL

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GL-6 5/7/2010

UIL0260 CONNECTICUT CHANGES – CANCELLATION AND NON-RENEWAL UIL0261 KANSAS CHANGES – CANCELLATION AND NON-RENEWAL UIL0272 INDIANA CHANGES – CANCELLATION AND NON-RENEWAL UIL0276 IOWA CHANGES – CANCELLATION AND NON-RENEWAL UIL0280 ALASKA CHANGES – CANCELLATION AND NON-RENEWAL UIL0298 NEW MEXICO CHANGES – CANCELLATION AND NON-RENEWAL

OPTIONAL FORMS

CG0108 ALABAMA& LOUISIANACHANGES– WHOISANINSURED

CG0168 MICHIGANCHANGES

CG0205 TEXASCHANGES– AMENDMENT OFCANC. PROVISIONS ORCOVG. CHANGE

CG2002 ADDITIONALINSURED– CLUBMEMBERS

CG2003 ADDITIONALINSURED– CONCESSIONAIRESTRADINGUNDERYOURNAME

CG2004 ADDITIONALINSURED– CONDOUNITOWNERS

CG2005 ADDITIONALINSURED– CONTROLLINGINTEREST

CG2008 ADDITIONALINSURED– USERS OFGOLFMOBILES

CG2010 07/04 ADDITIONALINSURED– OWNERS, LESSEES,ORCONTRACTORS-SCHEDULEDPERSON OR

ORGANIZATION

CG2012 ADDITIONALINSURED– STATE ORPOLITICALSUBDIVISIONS– PERMITS

CG2013 ADDITIONALINSURED– STATE ORPOLITICALSUBDIVISIONS– PERMITSRELATING TO

PREMISES

CG2015 ADDITIONALINSURED– VENDORS

CG2017 ADDITIONALINSURED– TOWNHOUSEASSOCIATIONS

CG2018 ADDITIONALINSURED– MORTGAGEE, ASSIGNEE ORRECEIVER

CG2020 ADDITIONALINSURED– CHARITABLEINSTITUTIONS

CG2022 ADDITIONALINSURED– CHURCHMEMBERS ANDOFFICERS

CG2024 ADDITIONALINSURED– OWNERS OROTHERINTERESTSFROMWHOMLANDHASBEEN

LEASED

CG2027 ADDITIONALINSURED– CO-OWNER OFINSUREDPREMISES

CG2029 ADDITIONALINSURED– GRANTOR ORFRANCHISE

CG2031 ADDITIONALINSURED– ENGINEERS, ARCHITECTS, SURVEYORS

CG2035 ADDITIONALINSURED– GRANTOR OFLICENSES-AUTOMATICSTATUSWHENREQUIRED BY

LESSOR

CG2036 ADDITIONALINSURED– GRANTOR OFLICENSES

CG2037 07/04 ADDITIONALINSURED– OWNERS, LESSEES ORCONTRACTORS– COMPLETEDOPERATIONS

CG2100 EXCLUSION– ALLHAZARDSINCONNECTIONWITHDESIGNATEDPREMISES

CG2104 EXCLUSION– PRODUCTS-COMPLETEDOPERATIONSHAZARD

CG2116 EXCLUSION– DESIGNATEDPROFESSIONALSERVICES

CG2117 EXCLUSION– MOVEMENT OFBUILDINGS ORSTRUCTURES

CG2131 LIMITEDEXCLUSION-DESIGNATEDOPERATIONSCOVERED BY ACONSOLIDATED(WRAP-UP)

INSURANCEPROGRAM

CG2132 COMMUNICABLEDISEASEEXCLUSION

CG2133 EXCLUSION– DESIGNATEDPRODUCTS

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GL-7 5/7/2010

CG2135 EXCLUSION– COVERAGEC – MEDICALPAYMENTS

CG2136 EXCLUSION– NEWENTITIES

CG2137 EXCLUSION– EMPLOYEES ANDVOLUNTEERWORKERSASINSUREDS

CG2138 EXCLUSION– PERSONAL ANDADVERTISINGINJURY

CG2139 CONTRACTUALLIABILITYLIMITATION

CG2145 EXCLUSION– DAMAGETOPREMISESRENTEDTOYOU

CG2146 ABUSE ORMOLESTATIONEXCLUSION

CG2152 EXCLUSION– FINANCIALSERVICES

CG2153 EXCLUSION– DESIGNATEDONGOINGOPERATIONS

CG2154 EXCLUSION– DESIGNATEDOPERATIONSCOVERED BY ACONSOLIDATED(WRAPUP)

INSURANCEPROGRAM

CG2156 EXCLUSION– FUNERALSERVICES

CG2157 EXCLUSION– COUNSELINGSERVICES

CG2159 EXCLUSION– DIAGNOSTICTESTINGLABORATORIES

CG2166 EXCLUSION– VOLUNTEERWORKERS

CG2167 FUNGI ORBACTERIAEXCLUSION

CG2186 EXCLUSION– EXTERIORINSULATION ANDFINISHSYSTEMS (THIS REPLACED U056 AND

U056IL)

CG2224 EXCLUSION– INSPECTION, APPRAISAL ANDSURVEYCOMPANIES

CG2228 AMENDMENT–TRAVEL AGENCY TOURS

CG2229 EXCLUSION– PROPERTYENTRUSTED

CG2230 EXCLUSION– CORPORALPUNISHMENT

CG2233 EXCLUSION– TESTING ORCONSULTINGERRORS ANDOMISSIONS

CG2234 EXCLUSION– CONSTRUCTIONMANAGEMENTERRORS ANDOMISSIONS

CG2238 EXCLUSION– FIDUCIARY ORREPRESENTATIVELIABILITY OFFINANCIALINSTITUTIONS

CG2239 EXCLUSION– CAMPS ORCAMPGROUNDS

CG2240 EXCLUSION– MEDPAY TOCHILDREN INDAYCARECENTERS

CG2241 EXCLUSION– HOUSINGPROJECTSITES

CG2242 EXCLUSION– EXISTENCE ORMAINTENANCE OFSTREETS, ROADS, HIGHWAYS ORBRIDGES

CG2243 EXCLUSION– ENGINEERS, ARCHITECTS ORSURVEYORSPROFESSIONALLIABILITY

CG2244 EXCLUSION– SERVICESFURNISHEDBYHEALTHCAREPROVIDERS

CG2245 EXCLUSION– SPECIFIEDTHERAPEUTIC ORCOSMETICSERVICES

CG2248 EXCLUSION– INSURANCE ANDRELATEDOPERATIONS

CG2250 EXCLUSION– FAILURE TOSUPPLY

CG2253 EXCLUSION– LAUNDRY ANDDRYCLEANINGDAMAGE

CG2258 EXCLUSION– DESCRIBEDHAZARDS(CARNIVALS, CIRCUSES ANDFAIRS)

CG2260 LIMITATION OFCOVERAGE– REALESTATEOPERATIONS

CG2266 MISDELIVERY OFLIQUIDPRODUCTSCOVERAGE

CG2267 CORPORALPUNISHMENT

CG2270 REALESTATEPROPERTYMANAGED

CG2271 COLLEGES ORSCHOOLS(LIMITEDFORM)

CG2272 COLLEGES ORSCHOOLS

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GL-8 5/7/2010

CG2276 PROFESSIONALLIABILITYEXCLUSION– HEALTH OREXERCISECLUBS ORCOMMERCIALLY

OPERATEDHEALTH OREXERCISEFACILITIES

CG2277 PROFESSIONALLIABILITYEXCLUSION– COMPUTERDATAPROCESSING

CG2287 EXCLUSION– ADULTDAYCARECENTERS

CG2288 PROFESSIONALLIABILITYEXCLUSION– ELECTRONICDATAPROCESSINGSERVICES AND

COMPUTERCONSULTING ORPROGRAMMINGSERVICES

CG2290 PROFESSIONALLIABILITYEXCLUSION– SPAS ORPERSONALENHANCEMENTFACILITIES

CG2291 EXCLUSION– TELECOMMUNICATIONEQUIPMENT ORSERVICEPROVIDERSERRORS AND

OMISSIONS

CG2292 SNOWPLOWOPERATIONSCOVERAGE

CG2294 EXCLUSION– DAMAGE TOWORKPERFORMED BYSUBCONTRACTORS ONYOURBEHALF

CG2295 EXCLUSION– DAMAGE TOWORKPERFORMED BYSUBCONTRACTORS ONYOURBEHALF–

DESIGNATEDSITES OROPERATIONS

CG2298 EXCLUSION– INTERNETSERVICEPROVIDERS ANDINTERNETACCESSPROVIDERSERRORS ANDOMISSIONS

CG2299 PROFESSIONALLIABILITYEXCLUSION– WEB-SITEDESIGNERS

CG2407 PRODUCTS/COMPLETEDOPERATIONSHAZARDREDEFINED

CG2412 BOATS

CG2414 WAIVER OFGOVERNMENTALIMMUNITY

CG2416 CANOES ORROWBOATS

CG2502 AMENDMENT OFLIMITS OFINSURANCE

CG2503 DESIGNATEDCONSTRUCTIONPROJECT(S) GENERALAGGREGATELIMIT

CG2504 DESIGNATEDLOCATION(S) GENERALAGGREGATELIMIT

CG2715 EXTENDEDREPORTINGPERIODENDORSEMENT FOREMPLOYEEBENEFITSLIABILITY

COVERAGE

CG2806 LIMITATION OFCOVERAGE TOINSUREDPREMISES

U003SPM HAZARDOUSMATERIALSEXCLUSIONWITHSWIMMINGPOOLJOBSITEEXCEPTION

U006 ASSAULTANDBATTERYEXCLUSION

U007 OPENROOFCOVERAGELIMITATION

U008A CONTRACTORSCOVERAGELIMITATIONS ANDAUDIT

U008CP CONTRACTORSCOVERAGELIMITATIONANDAUDIT

U008R CONTRACTORSCOVERAGELIMITATIONS

U010 PRODUCTSCOMPLETEDOPERATIONSCONTRACTUALLIABILITYEXCLUSION

U012 EXCLUSION– ALLHAZARDS– AUTOSERVICESANDLIQUIDPROPANEGAS

U013 SEXUALABUSE ORMOLESTATIONCOVERAGELIMITATION

U015 DEMOLITIONEXCLUSION

U016 ATHLETIC ORSPORTPARTICIPANTSEXCLUSION

U018 COMMUNICABLEDISEASEEXCLUSION

U029A GARAGEKEEPERS– LEGALLIABILITY

U031 FIREWORKS, RIDES, MOTOR SPORTSANDANIMALSEXCLUSION

U032 DOGEXCLUSION

U036 DAYCARESERVICESLIMITATION

U039 EXCLUSION– ALLHAZARDS– WASTESITES, FERTILIZERORRENDERINGPLANTS

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GL-11 5/7/2010

 ‘Manufacturers of products’ purchased by our insured that are for our insured’s use or for resale by our insured.

 Tenants or lessees if our insured is an owner or manager of the premises.

 Blanket Additional Insured requests must be declined for all risks domiciled in New York or risks domiciled in other States that may perform work in New York

REQUESTS TO USE BROADENED ‘NAMED INSURED’ LANGUAGE TO NAME AN ‘ADDITIONAL INSURED’ OR REQUESTS TO ADD MULTIPLE ENTITIES ON A SINGLE ADDITIONAL

INSURED FORM

 Often entities requesting additional insured status will request the ‘named insured’ to be used with broadened language to include “affiliates, subsidiaries and indemnities…” for example. Any request that broadens the ‘named insured’ must be referred to your Colony underwriter for final approval and pricing. We will want to have a listing of the known affiliates, subsidiaries and indemnities. Generally pricing will be an additional $50 to $100 per known entity, but your Colony underwriter will make the final determination.

 The only exceptions are parent companies which do not require approval. Pricing would be an additional $50 per entity to be named as a parent company.

PREMIUM CHARGES:

 All premium charges for additional insureds, primary additional insureds, waivers of

subrogation and blanket additional insureds are:

1. Flat

2. Fully Earned

3. To be charged over and above the minimum GL premium that applies

 Once an additional insured endorsement with a premium charge has been issued the general agent does not have authority to go back later and cancel the endorsement and reverse the premium charges without company approval.

 List the premium charge for any additional insureds separately on the GL declarations page. The additional insured premium should be in addition to the General Liability premium.

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GL-12 5/7/2010

BLANKET ADDITIONAL INSURED

 Available for Contractor type risks only. Not available for use with any other classifications such as Mercantile, Manufacturing, Hotel/Motel, Recreation, etc.

 Intended to blanket additional insured interests of Contractor type risks only (including Truckers GL) of owners, lessees or contractors for whom our insured is performing ‘ongoing operations’.

 Use company form U156 (0707) – “Additional Insured – Owners, Lessees or Contractors – Scheduled Person or Organization” only. Do not use ISO forms. To make the form ‘blanket’ in nature specify the following under the ‘Name of Person or Organization’:

“All persons or organizations as required by written contract with the insured”

 Blanket Additional Insured requests must be declined for all risks domiciled in New York or risks domiciled in other States that may perform work in New York

 Any request to have the ‘ongoing’ language deleted from the description of the insureds ‘operations’ in the additional insured form must be declined.

 $500 flat, fully earned charge for estimates of up to 10 additional insureds per policy term.  $1,000 flat, fully earned charge for estimates of up to 20 additional insureds per policy

term.

 Estimates that exceed 20 additional insured’s per policy term must be referred to your Colony underwriter for approval. If approved pricing will be at least $1,500, flat, fully earned but may warrant additional premium depending on the specifics of the account.

PRIMARY AND NON-CONTRIBUTORY FOR SPECIFIED ADDITIONAL INSUREDS

 Available for Contractor type risks only (this includes Truckers GL). Not

available for other classes of business.

 Primary language that must be manuscript to your additional insured form is to be as follows:

“It is further agreed that this insurance shall be primary and non-contributory but only in the event of a named insured’s sole negligence.”

 Blanket primary is not available.

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GL-13 5/7/2010

WAIVERS OF SUBROGATION

Coverage may be added using one of the following methods:

 Blanket Coverage – Use form U047 (0702). Additional premium is $250 flat fully earned for up to 5 estimated entities maximum. If more than 5 are estimated, submit to your Colony underwriter for approval and pricing.

Blanket Coverage is available only for the following: 1) Contractor type risks (including truckers GL)

2) Property Owners – but only if the lease or rental agreement itself requires a waiver to be issued naming that Property Owner

Note that Blanket Waivers of Subrogation are not available with other classes of business  Designated Entities Coverage – Use form U047A, and show the name of the

designated person or organization on this endorsement’s schedule. A separate U047A is required for each designated entity. Up to 5 designated entities may be added. Additional premium is $50 flat per entity, fully earned.

Designated Entity Coverage is available for most classes of business. Submit if OTHER THAN:

1) PDQ-Eligible Contractor type risks (including truckers GL)

2) PDQ-Eligible Property Owners – with a lease or rental agreement in place that requires a waiver to be issued naming that Property Owner

Charitable Institutions

 CG 2020 – 11/85 edition date only

 $50 flat, fully earned charge per entity

Club Members

 Club members are added as additional insureds with respect to the liability of such members for activities they perform on behalf of the club.

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GL-14 5/7/2010

Condominium Unit Owners

 Condominium unit owners are added as additional insureds as respects those parts of the premises not reserved for their exclusive use.

 $50 flat, fully earned charge

Church Members

 Adds trustees, officials or members of the board, clergy as additional insureds.

 No premium charge required.

Equipment Providers - Trucking

 U635-0110

 This should satisfy Uniform Intermodal Interchange and Facilities Access Agreement requirements.

 $100 for each, or

 $500 for blanket. To make this form “blanket”, specify the following under the “Name of Person(s) or Organization(s): “All persons or organizations as required by written contract with the insured”.

Golfmobile Users

 Use with risks classified as either ‘Golf Courses’ or ‘Golfmobiles – Loaned or Rented to Others’. It provides insured status to patrons of the named insured or the named insured’s concessionaires who use or are legally responsible for use of the golfmobiles.

 No premium charge required

Grantor of Franchise

 Grants insured status to franchiser organizations (i.e. chain stores) that sell franchises to others. An example would be a Subway shop that needs to add the parent franchise organization to their policy.  $50 flat, fully earned charge per entity

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GL-15 5/7/2010

Lessor of Leased Equipment

 Use company form U158 (0310) only. Do not use ISO forms.  Injured workers frequently bring suit against the manufacturer,

supplier, or installer of commercial and industrial equipment that cause injury. As a result, entities that lease such equipment may ask for additional insured status from the entity that leases the equipment to them.

 $100 flat, fully earned charge per additional insured entity

being added if our insured is a Contractor type risk (this includes Truckers GL).

 $50 flat, fully earned charge for all others

Lessor of Land

Managers or Lessors of Premises

 Use company form U157 (0310) only. Do not use ISO forms.

 Managers or lessors are often named involved in lawsuits that involve injuries sustained on their property so they will often request this endorsement. This endorsement will add managers or lessors of premises as additional insureds to policies covering the lessees or tenants.

Mortgagee, Assignee, or Receiver

 Adds mortgagers (such as banks and lending institutions), assignees (such as an administrator or executor of a will), or receivers

(someone appointed by a court to manage property involved in litigation) as additional insureds for their liability arising from the named insured’s premises described in the endorsement. There is no additional premium charge because the endorsement restricts

coverage to that exposure already presented by the Named Insured.  No premium charge required

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GL-16 5/7/2010

Owners, Lessees or Contractors

 Use only company form U156 (0310) “Additional Insured – Owners or Contractors – Scheduled Person or Organization”.

 CG2010/CG2037 (0704) editions can be considered. CG2010 (1185) is not acceptable. Company approval is required. Please contact your underwriter for approval and pricing.

 Extends coverage to (1) owners or lessees who want to be named as insured’s on a contractor’s policy and (2) contractors who want to be named as insureds on a subcontractor’s policy, but only as respects liability for ongoing operations performed by the named insured contractor or subcontractor for the owner, lessee or contractor.  Never add an additional insured who is a contractor performing work

for our insured.

 $100 flat, fully earned charge per entity, for U156  CG2010 & CG2037 (0704) submit for pricing

State or Political Subdivisions – Permits

 This protects governmental entities from lawsuits arising out of the issuance of permits. An example would be someone holding an event such as a picnic that required various government permits. The insurance does not apply to bodily injury, property damage, personal injury or advertising injury arising out of operations performed for the municipality.

State or Political Subdivisions – Permits Relating to Premises

 Requested by political subdivisions when they issue permits to owners and lessees for permission to operate premises which have certain hazards listed in the endorsement (examples include signs, awnings, canopies, etc.)

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GL-17 5/7/2010

Townhouse Associations

 Provides additional insured status for unit owners for those parts of the premises not reserved for their exclusive use. Injuries occurring on common-ownership premises often lead to lawsuits in which all owners are named as co-defendants.

 $50 flat, fully earned charge

Vendors

 CG 2015 – 11/88 edition date only  Decline requests to add:

 A manufacturer as an additional insured–vendor.

 Additional insured–vendors related to products easily susceptible to spoilage or contamination (dairy or meat for example).

 When retailers require additional insured status from wholesalers it is acceptable to provide vendor coverage for these retailers on our wholesaler’s policy.

Blanket Vendors

 The general agent will need to type in ‘All Vendors of the Insured’s Products’ on the CG2015 so the intent is clear that coverage is to be blanket rather than specific

 Up to 5 designated entities may be added. Additional premium is $50 flat per entity, fully earned.

Specific Vendors

 You will need to specify the name of each vendor on the CG 2015  $50 flat, fully earned charge

OTHER MISCELLANEOUS ENDORSEMENTS

Submit to your underwriter for approval and pricing on:  Per Project Aggregate Endorsements (CG2503)  Per Location Endorsements (CG2504)

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GL-18 5/7/2010

Employee Benefits Liability

This is a claims –made coverage for sums the insured is legally obligated to pay arising from an employee’s act, error, or omission committed in the administration of the insured’s employee benefits program. Employee Benefits Liability is available when writing the General Liability on most risks with less than 50 employees. This Aggregate Limit of insurance is part of and not in addition to the policy General Aggregate Limit shown on the Declarations of the policy.

Limits: Minimum Premiums

$50,000/$50,000 $150 $100,000/$100,000 $200 $300,000/$300,000 $250 $500,000/$500,000 $300 $1,000,000/$1,000,000 $400

Deductible: $1,000 per employee

Underwriting Criteria: The following exposures are not available in contract:

 Monoline coverage is not available

 Plans other than group life insurance, group accident or health insurance, profit sharing plans, stock subscription plans, unemployment plans, social security benefits, workers’ compensation and disability benefits.

 Any claims within the last 5 years

 A retroactive date different from the policy effective date. On renewal you may continue to use the original retroactive date

 Please submit if the insured has over 50 employees

Forms:

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GL-19 5/7/2010

Stop Gap Liability

This coverage mirrors that provided in W.C. coverage B. Covers liability arising from the injury of an employee in the course of employment.

Limits Rate (% of liability premium) Minimum Premium

100/100/100 3% $250

100/500/100 3% $250

500/500/500 4% $300

1,000/1,000/1,000 5% $500 (Exception $300 for WA)

Available in: North Dakota, Washington, West Virginia, Wyoming and Ohio Stop Gap Liability underwriting parameters are as follows:

• Coverage is available for all Contract eligible classes except those that exceed Best’s Rating hazard index of five.

• Monoline coverage is not available.

• Available only for employers doing business in monopolistic states where the State Fund provides only WC Coverage without Coverage B.

• Verify no temporary workers are utilized as on farms or some contracting exposures. • Will utilize the U066 (Occurrence Form).

HIRED & NON-OWNED AUTO LIABILITY

Hired and Non Owned Auto may be attached by use of the U132A for the limits allowed by program guidelines.

The U132A endorsement is used only if the insured entity does not own, lease or have regular use of any automobiles. The endorsement is not available to insureds that have commercial auto exposures. It provides coverage for bodily injury and property damage liability in connection with just “hired autos,” just “nonowned autos,” or both, as indicated in the endorsement schedule.

ELIGIBLE CLASSES

Apartments Homeowner & Condo Associations

Bars Hotels & Motels

Beverage Stores Mercantile – no deliveries Billiard & Pool Halls Mobile Home Parks Building – Lessors’ Risk Only Offices

Convenience Stores Restaurants – with no deliveries Grocery Stores/Supermarkets - with no deliveries

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GL-20 5/7/2010

Insured must verify that driver has personal auto insurance in place.

PROHIBITED OPERATIONS- HIRED AND/OR NON-OWNED LIABILITY IS NOT BE BE PROVIDED ON ANY RISK WITH THE FOLLOWING EXPOSURES

 Contractor, Catering, Church, Day Care, Delivery, Special Event, Sport Camp/Clinic/League  Risks where non-owned vehicles are used on a regular basis by sales people

 Vehicles other than Personal Passenger or Van types

 Vehicles used for delivery of insured’s products or transportation of people

HIRED AND NON-OWNED AUTO COVERAGE SHOULD BE PROVIDED ONLY BY EXCEPTION.

LIMITS & MINIMUM PREMIUMS:

AL, CT, DE, FL, GA IN, KY, LA, MA, MD, ME, MI, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT & WV

$100,000 $300,000 $500,000 $1,000,000

Hired Car NOT AVAILABLE $150 $250 $350

Non-Owned Auto NOT AVAILABLE $150 $250 $350

$300 $500 $700

LIMITS & MINIMUM PREMIUMS:

AK, AR, AZ, CA, CO, HI, IA, ID, IL, KS, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WI, WY

$100,000 $300,000 $500,000 $1,000,000

Hired Car NOT AVAILABLE $75 $100 $150

Non-Owned Auto NOT AVAILABLE $75 $100 $150

$150 $200 $300