{"id":"review-mt4ppefh","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","pagesSwept":299,"pagesTotal":329,"pagesInFull":30},{"documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534","pagesSwept":54,"pagesTotal":84,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted."],"unsatisfied":[],"expectations":[{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"documentsRead":["vva-gl-package_philadelphia-indemnity_PHPK2661220","vva-umbrella_philadelphia-indemnity_PHUB902534"]},"answers":[{"state":"pass","message":"The tower is continuous. Each layer begins paying where the one beneath it is exhausted.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"pass","message":"Every policy named in an underlying schedule is present in the document set.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"pass","message":"Every policy in the document set names the same insured.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"pass","message":"All layers run concurrently, so the tower is the same on every day of the term.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"cannot-determine","message":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"fail","message":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"fail","message":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"role":"primary","limit":1000000,"carrier":"Philadelphia Indemnity Insurance Company","sources":{"limit":{"page":15,"quote":"$ 1,000,000 Each Occurrence Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"carrier":{"page":1,"quote":"Philadelphia Indemnity Insurance Company\nA Stock Company (Nonparticipating)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyNumber":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"generalAggregate":{"page":15,"quote":"$ 3,000,000 General Aggregate Limit (Other Than Products – Completed Operations)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"productsCompletedOpsAggregate":{"page":15,"quote":"$ 3,000,000 Products/Completed Operations Aggregate Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","effective":"2025-03-01","formBasis":"occurrence","deductible":null,"expiration":"2026-03-01","formNumbers":["BJP-190-1","IL N 143","IL N 177","PI-FEES-NOTICE 1","PI-NOTICE-MD-CLM 1","PP2020","CPD-PIIC-CW","PI-LOC-SCH","PI-AI-SCH","PI-FEE-SCH","PI-BELL-1","PI-CME-1","PI-MANU-1","IL0017","IL0021","IL0102","IL0104","IL0110","IL0115","IL0207","IL0251","IL0270","IL0952","PI-ACL-001","PI-ARB-1 NV","PI-CANXAICH-002","PI-CLD-CU NV","PI-HS-029","PI-PROF-002","PI-PROF-003","PI-SAM-018","PI-TER-DN1","GEN LIAB DEC","GEN LIAB SCHEDULE","CG0001","CG0201","CG2002","CG2005","CG2011","CG2026","CG2106","CG2132","CG2147","CG2151","CG2167","CG2170","CG2402","CG2404","CG2673","CG3234","PI-GL-001","PI-GL-001","PI-GL-002","PI-GL-002","PI-GL-002 CA","PI-GL-005","PI-GL-042","PI-GLD-HS","PI-HS-005","PI-MANU-1","PI-SAM-006","PI-SE-001"],"namedInsured":"Vietnam Veterans of America Inc\nChapters and State Councils","policyNumber":"PHPK2661220-013","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":"NONE","aggregateErosion":null,"generalAggregate":3000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":1000000,"productsCompletedOpsAggregate":3000000},{"role":"umbrella","limit":5000000,"carrier":"Philadelphia Indemnity Insurance Company","sources":{"limit":{"page":1,"quote":"EACH OCCURRENCE LIMIT (LIABILITY COVERAGE) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"carrier":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"attachmentPoint":{"page":3,"quote":"Each Occurrence $ 1,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"generalAggregate":{"page":1,"quote":"GENERAL AGGREGATE LIMIT (LIABILITY COVERAGE) (except with respect to Auto Liability and Products Completed Operations) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"selfInsuredRetention":{"page":1,"quote":"RETAINED LIMIT: $ 10,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"productsCompletedOpsAggregate":{"page":1,"quote":"PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"}},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","effective":"2025-03-01","formBasis":"occurrence","deductible":null,"expiration":"2026-03-01","formNumbers":["PI-CXL-002","PI-CXL-001","PI-CXL-004","PI-CXL-006","PI-CXL-007","PI-CXL-014","PI-CXL-015","PI-CXL-021","PI-CXL-029","PI-CXL-032","PI-CXL-039","PI-CXL-041","PI-CXL-047","PI-CXL-054","PI-CXL-068","PI-CXL-075","PI-CXL-085","PI-CXL-088","PI-CXL-092","PI-CXL-099","PI-CXL-100","PI-CXL-111","PI-CXL-113","PI-CXL-117","PI-CXL-132","PI-CXL-137","PI-CXL-MD 1","PI-CXL-MD 2","PI-UMTER-DN"],"namedInsured":"Vietnam Veterans of America Inc. 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Concealment or misrepresentation of a material fact; or 2. Fraud; committed by an insured (\"insured\") at any time and relating to a claim under this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 10 09 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","source":"policy-language","citation":{"page":95,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS I. The following exclusion applies to all coverages afforded in any Coverage Part, Coverage Form or endorsement issued by us, if you are engaged in any \"adoption or foster care services\" unless: A. You have disclosed such services in your application for coverage; and B. We have agreed to provide coverage for such services.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-029 (02/20)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":326,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PI-PROF-002 (06/20)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-PROF-002 (06/20)","alsoProvisions":["Absolute Communicable Disease Exclusion - Professional Liability"],"carrierNoticedReduction":true},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":325,"quote":"TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY– PI-PROF-003 (02/24)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-PROF-003 (02/24)","alsoProvisions":["Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)"],"carrierNoticedReduction":true},{"label":"Absolute Abuse or Molestation Exclusion Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":100,"quote":"ABSOLUTE ABUSE OR MOLESTATION EXCLUSION PROFESSIONAL LIABILITY The following exclusion applies to all professional liability coverages afforded in any coverage form or endorsement issued by us. When the applicable professional liability coverage: A. Contains an abuse or molestation exclusion, it is deleted in its entirety and replaced with the following; or B. Does not contain an abuse or molestation exclusion, the following is added: This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person caused by the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-018 (05/19)","alsoProvisions":["Abuse Or Molestation Exclusion"],"carrierNoticedReduction":false},{"label":"Cap On Losses From Certified Acts Of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":88,"quote":"CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following... If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 09 52 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Property Not Covered – Electronic Data","where":"base-form","source":"policy-language","citation":{"page":114,"quote":"If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you have protected the system against freezing; (c) Building glass breakage; (d) Water damage; (e) Theft; or (f) Attempted theft.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":2500,"formNumber":"CP 00 10","alsoProvisions":["Electronic Data Additional Coverage – Sublimit","Debris Removal – Sublimit on additional amount","Fire Department Service Charge – Sublimit","Pollutant Clean-up And Removal – Sublimit","Increased Cost Of Construction – Sublimit","Vacancy Condition – Coverage Restriction","Outdoor Property Coverage Extension – Limited Causes","Personal Effects and Property of Others Coverage Extension – Sublimit","Valuable Papers and Records Coverage Extension – Sublimit","Property Off-premises Coverage Extension – Sublimit","Non-owned Detached Trailers Coverage Extension – Sublimit","Business Personal Property Temporarily In Portable Storage Units – Sublimit","Outdoor Signs – Sublimit","Newly Acquired Or Constructed Property – Building Sublimit","Newly Acquired Or Constructed Property – Business Personal Property Sublimit"],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":121,"quote":"We will not pay for loss or damage caused by or resulting from any virus, bacterium or other micro-organism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 01 40 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Mold Exclusion","where":"endorsement","source":"policy-language","citation":{"page":144,"quote":"Mold or other fungi, wet or dry rot, dampness of atmosphere, or extremes of temperature, however caused. But if Mold is the result of a Covered Cause of Loss, we will pay for the loss or damage caused by Mold. The most we will pay for such loss or damage is $10,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":10000,"formNumber":"PI-CP-001","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Mismatch Exclusion","where":"endorsement","source":"policy-language","citation":{"page":148,"quote":"We will not pay for loss or damage caused by or resulting from any of the following: Mismatch (1) Mismatch of color between undamaged roof or siding material on buildings or structures and new roof or siding material used to repair or replace the damaged roof or siding on buildings or structures; due to but not limited to fading, oxidization, weathering, or wear and tear of any existing undamaged roof or siding material.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-123","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Existing Damage Exclusion","where":"endorsement","source":"policy-language","citation":{"page":149,"quote":"The following exclusion is added to Section B. Exclusions, Paragraph 1.: Existing Damage (1) Any loss or damage commencing prior to the Policy Period shown in the Declarations regardless of whether loss or damage was apparent at the inception date of this policy or at a later date","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-124","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Ordinance Or Law","where":"base-form","source":"policy-language","citation":{"page":132,"quote":"The most we will pay for loss or damage under this Extension is $5,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":15000,"formNumber":"CP 10 30 10 12","alsoProvisions":["Earth Movement","Governmental Action","Nuclear Hazard","Utility Services","War And Military Action","Water","Fungus, Wet Rot, Dry Rot And Bacteria","Artificially generated electrical, magnetic or electromagnetic energy","Delay, loss of use or loss of market","Wear and tear; Rust or corrosion","Explosion of steam boilers","Continuous or repeated seepage or leakage of water","Water, other liquids, powder or molten material from freezing","Dishonest or criminal act (including theft)","Voluntary parting with property","Rain, snow, ice or sleet to personal property in the open","Collapse","Discharge, dispersal, seepage, migration, release or escape of pollutants","Neglect of insured to use all reasonable means to save property","Limited Coverage For Fungus, Wet Rot, Dry Rot And Bacteria","Property In Transit Extension Sub-Limit","Special limit for furs, fur garments","Special limit for jewelry, watches, jewels, precious and semiprecious stones","Special limit for patterns, dies, molds and forms","Special limit for stamps, tickets, letters of credit"],"carrierNoticedReduction":false},{"label":"Limited Coverage – Electronic Data","where":"endorsement","source":"policy-language","citation":{"page":147,"quote":"The most we will pay under this Limited Coverage -Interruption Of Computer Operations is $2,500 for the total of all loss sustained and/or expense incurred in any one policy year","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":2500,"formNumber":"PI-CP-002","alsoProvisions":["Limited Coverage – Valuable Papers And Records","Limited Coverage – Interruption Of Computer Operations","Changes - Electronic Data"],"carrierNoticedReduction":false},{"label":"Ordinance Or Law","where":"base-form","source":"policy-language","citation":{"page":142,"quote":"The most we will pay for loss or damage under this Extension is $5,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":15000,"formNumber":"CP 10 30 09 17","alsoProvisions":["Earth Movement","Governmental Action","Nuclear Hazard","Utility Services","War And Military Action","Water","Fungus, Wet Rot, Dry Rot And Bacteria","Artificially generated electrical, magnetic or electromagnetic energy","Delay, loss of use or loss of market","Wear and tear; Rust or corrosion","Explosion of steam boilers","Continuous or repeated seepage or leakage of water","Water, other liquids, powder or molten material from freezing","Dishonest or criminal act (including theft)","Voluntary parting with property","Rain, snow, ice or sleet to personal property in the open","Collapse","Discharge, dispersal, seepage, migration, release or escape of pollutants","Neglect of insured to use all reasonable means to save property","Limited Coverage For Fungus, Wet Rot, Dry Rot And Bacteria","Property In Transit Extension Sub-Limit","Special limit for furs, fur garments","Special limit for jewelry, watches, jewels, precious and semiprecious stones","Special limit for patterns, dies, molds and forms","Special limit for stamps, tickets, letters of credit"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":157,"quote":"We will not pay expenses for \"bodily injury\": a. Any Insured To any insured, except \"volunteer workers\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 00 01 04 13","alsoProvisions":["Contractual Liability","Liquor Liability","Workers' Compensation And Similar Laws","Employer's Liability","Pollution","Aircraft, Auto Or Watercraft","Mobile Equipment","War","Damage To Property","Damage To Your Product","Damage To Your Work","Damage To Impaired Property Or Property Not Physically Injured","Recall Of Products, Work Or Impaired Property","Personal And Advertising Injury","Electronic Data","Recording And Distribution Of Material Or Information In Violation Of Law","Knowing Violation Of Rights Of Another","Material Published With Knowledge Of Falsity","Material Published Prior To Policy Period","Criminal Acts","Breach Of Contract","Quality Or Performance Of Goods – Failure To Conform To Statements","Wrong Description Of Prices","Infringement Of Copyright, Patent, Trademark Or Trade Secret","Insureds In Media And Internet Type Businesses","Electronic Chatrooms Or Bulletin Boards","Unauthorized Use Of Another's Name Or Product","Any Insured - Medical Payments","Hired Person - Medical Payments","Injury On Normally Occupied Premises - Medical Payments","Workers' Compensation And Similar Laws - Medical Payments","Athletics Activities - Medical Payments"],"carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-Related Liability","where":"endorsement","source":"policy-language","citation":{"page":179,"quote":"Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 06 05 14","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease","where":"endorsement","source":"policy-language","citation":{"page":326,"quote":"COMMUNICABLE DISEASE EXCLUSION ENDORSEMENT – CG 21 32 05 09","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 32 05 09","alsoProvisions":["Communicable Disease Exclusion"],"carrierNoticedReduction":true},{"label":"Employment-Related Practices","where":"endorsement","source":"policy-language","citation":{"page":181,"quote":"\"Bodily injury\" to: (1) A person arising out of any: (a) Refusal to employ that person; 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An \"employee\" of the insured arising out of and in the course of employment by the insured; or 2. 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Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead; b. Manufacture, distribution, sale, resale, rebranding, installation, repair, removal, encapsulation, abatement, replacement or handling of lead, paint containing lead, or any other material or substance containing lead;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-075","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Professional Liability Coverage Sub-Limit","where":"endorsement","source":"policy-language","citation":{"page":52,"quote":"Applicable Professional Liability Coverage(s) Professional Liability Coverage Sub-Limits Each Professional Incident Limit: $______________ Aggregate Limit: $______________ ... 5,000,000 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":5000000,"formNumber":"PI-CXL-085","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-Related Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":53,"quote":"This insurance does not apply to: u. Access or Disclosure of Confidential or Personal Information and Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-088","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Automobile Liability Sub-Limit","where":"endorsement","source":"policy-language","citation":{"page":55,"quote":"AUTOMOBILE LIABILITY SUB-LIMIT: Each Occurrence Limit: $______________ ... 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":5000000,"formNumber":"PI-CXL-092","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Recording and Distribution of Material or Information in Violation of Law – Personal and Advertising Injury Exclusion","where":"endorsement","source":"policy-language","citation":{"page":56,"quote":"This insurance does not apply to \"personal and advertising injury\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-099","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","source":"policy-language","citation":{"page":57,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information, including but not limited to patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information, biometrics, or any other type of nonpublic information; or (2) Business interruption or suspension of operations as caused by any access, \"unauthorized access,\" lack of access, delay in access, damage, manipulation, loss, or impairment to \"electronic data\" or \"electronic media\"; or (3) \"Cyber extortion\"; or (4) A \"privacy breach\"; or (5) A \"security breach\"; or (6) Any fraudulent communication through \"electronic media\" that impersonates any person or organization, including but not limited to phishing or other social engineering techniques or otherwise; or (7) Any computer code, software, or programming; or (8) Any \"security breach\" that results in any electronic thing or device or \"electronic media\" malfunctioning, improperly functioning, non-functioning, failing to perform as the intended user desired, or being electronically manipulated to perform in a way that causes harm to the insured or others; or (9) The loss, loss of use, misuse, delay, manipulation, corruption, damage, alteration, destruction, distortion, erasure, or theft of, or inability to access or manipulate \"electronic data\" or \"electronic media\" as a result of \"cyber extortion\"; or \"privacy breach\"; or \"security breach\"; or (10) Any failure of utilities based upon, arising out of, or attributable to any mechanical or electrical failure, interruption, or outage, however caused, including but not limited to any electrical power interruption or surge, brownout, blackout, short circuit, over voltage, or power fluctuation or outage to gas, water, telephone, cable, satellite, telecommunications, the internet, or any component thereof, including but not limited to hardware, software, or any other infrastructure as a result of \"cyber extortion\"; or \"privacy breach\"; or \"security breach.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-100","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limit of Insurance Exclusion Clause Minimum Limit Requirement","where":"endorsement","source":"policy-language","citation":{"page":60,"quote":"This policy does not follow and shall not become excess of any coverage which incorporates a limit of insurance or sub-limit of insurance that is less than $1,000,000 and is attached to any \"underlying insurance\" shown in the Schedule of Underlying Insurance.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-111","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Per Location / Per Project Aggregate Limit of Insurance Exclusion","where":"endorsement","source":"policy-language","citation":{"page":61,"quote":"Any per location or per project aggregate limit of insurance that is extended by a policy of \"underlying insurance\" will not apply to any coverage provided by this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-113","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Silica or Silica-Related Dust Exclusion","where":"endorsement","source":"policy-language","citation":{"page":62,"quote":"This insurance does not apply to: Silica or Silica-Related Dust Any liability, damage, loss, cost or expense arising, in whole or in part, out of: 1. The actual, alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, \"silica\" or \"silica-related dust.\" 2. The abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects of, \"silica\" or \"silica-related dust,\" by any insured or by any other person or entity.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-117","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":63,"quote":"This insurance does not apply to: Communicable Disease Any liability, damage, loss, cost or expense arising, in whole or in part, out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-132","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","source":"policy-language","citation":{"page":64,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any injury, damage, loss, cost or expense arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of , any and all \"PFC/PFAS\"; b. Design, manufacture, storage, processing, packaging, handling, testing, distribution, sale, or disposal of \"PFC/PFAS\"; c. Discharge, dispersal, seepage, migration, release, flaking, leakage, leaching, friability, release or escape of \"PFC/PFAS\"; d. Providing or failing to provide warnings or instructions with respect to \"PFC/PFAS\"; or e. Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of \"PFC/PFAS\"; regardless of whether any other cause, event, material substances, compounds, goods, products or \"your products\", contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-137","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","source":"policy-language","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS I. The following exclusion applies to all coverages afforded in any Coverage Part, Coverage Form or endorsement issued by us, if you are engaged in any \"adoption or foster care services\" unless: A. You have disclosed such services in your application for coverage; and B. We have agreed to provide coverage for such services.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-HS-029","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":21,"quote":"s. Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-001","alsoProvisions":["Workers Compensation and Similar Laws","Employment Related Practices","War","E.R.I.S.A.","Contractual Liability","Aircraft or Watercraft","Auto Coverages","Other Personal and Advertising Injury Exclusions","Damage to Property","Damage to Your Product","Damage to Your Work","Damage to Impaired Property or Property Not Physically Injured","Recall of Products, Work or Impaired Property","Pollution","Discrimination","Asbestos","Nuclear Energy Liability","Liquor Liability","Trade or Economic Sanctions","Electronic Data","Distribution of Material in Violation of Statutes"],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":3,"formsWithNoRestrictionFound":38},"findings":[{"id":"finding-global.carrier-reduced-coverage","layer":"global","impact":"Did the carrier give notice that it reduced this coverage?","ruleId":"global.carrier-reduced-coverage","degraded":false,"evidence":[{"page":326,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PI-PROF-002 (06/20)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":325,"quote":"TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY– PI-PROF-003 (02/24)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":326,"quote":"COMMUNICABLE DISEASE EXCLUSION ENDORSEMENT – CG 21 32 05 09","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":327,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PI-CXL-132 (06/20)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"dependsOn":[],"statement":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading. communicable disease (5 endorsements across coverage parts); total exclusion – perfluorinated compounds (pfc) / per- and polyfluoroalkyl substances (pfas) professional liability; communicable disease for operations.","ruleVersion":"e3496ae3227a"},{"id":"finding-global.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":114,"quote":"If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you have protected the system against freezing; (c) Building glass breakage; (d) Water damage; (e) Theft; or (f) Attempted theft.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":144,"quote":"Mold or other fungi, wet or dry rot, dampness of atmosphere, or extremes of temperature, however caused. But if Mold is the result of a Covered Cause of Loss, we will pay for the loss or damage caused by Mold. The most we will pay for such loss or damage is $10,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":132,"quote":"The most we will pay for loss or damage under this Extension is $5,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":147,"quote":"The most we will pay under this Limited Coverage -Interruption Of Computer Operations is $2,500 for the total of all loss sustained and/or expense incurred in any one policy year","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"dependsOn":[],"statement":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures. Property Not Covered – Electronic Data is capped at 2,500. Mold Exclusion is capped at 10,000. Ordinance Or Law is capped at 15,000. Limited Coverage – Electronic Data is capped at 2,500.","ruleVersion":"485c5e73f822"},{"id":"finding-global.endorsements-restrict","layer":"global","impact":"Do the attached endorsements restrict this coverage?","ruleId":"global.endorsements-restrict","degraded":false,"evidence":[],"dependsOn":[],"statement":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","ruleVersion":"86033228d3f6"}],"reviewId":"review-mt4ppefh","decisions":[],"unanswered":[{"reason":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","questionId":"global.defense-outside-limits"},{"reason":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","questionId":"global.aggregate-impairment-known"}],"observations":[{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-classifier","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf, from the classifier: This is a multi-coverage-part commercial package policy packet (policy number PHPK2661220-013) containing: Common Policy Declarations (pp. 1-2), Policy Form Schedule (p. 3), Locations Schedule (p. 4), Additional Insured Schedule (pp. 5-7), Fees and Surcharge Schedule (p. 8), Commercial Property advisory notices and declarations with supplemental schedules (pp. 9-14), Commercial General Liability declarations and supplemental schedules (pp. 15-18), Commercial Inland Marine declarations and supplemental schedules (pp. 19-22), a California Auto Body Repair notice (p. 23), an auto-related advisory notice (p. 24), and Business Auto Declarations (pp. 25-30). The dominant policy line is general-liability per task instructions, as the CGL coverage part appears in the packet. The document contains only one policy number throughout.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-classifier","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf, from the classifier: The document is a packet containing multiple components: (1) the Commercial Umbrella Liability Insurance Policy Declarations (PI-CXL-002, pages 1-5), (2) a Form Schedule – Umbrella Liability (page 6), (3) an endorsement PI-HS-029 Exclusion – Adoption and Foster Care Operations (pages 7-8), and (4) the Commercial Umbrella Liability Insurance Policy coverage form PI-CXL-001 (pages 9-30). The dominant document is the declarations page for policy PHUB902534-013. The packet appears to contain more than one document type; splitting would separate the declarations, the schedule of forms, the endorsement, and the coverage form. Classified as 'declarations' based on the dominant character of the first pages. The endorsement PI-HS-029 does not appear in the Form Schedule on page 6, which may indicate it was attached separately or the schedule is incomplete.","packetComplete":false},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-citations","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: 453 of 492 figures were confirmed against the page they cite. The remaining 39 could not be, so they are the reader's word rather than the document's. Nothing else in this reading depends on them.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-citations","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf: 160 of 161 figures were confirmed against the page they cite. The remaining 1 could not be, so it is the reader's word rather than the document's. Nothing else in this reading depends on it.","packetComplete":false},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-truncated","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: pages 1 to 30 were read in full, and all 329 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-truncated","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf: pages 1 to 30 were read in full, and all 84 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":58377,"outputTokens":493,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":65513,"outputTokens":10386,"cacheReadTokens":0,"cacheWriteTokens":1961},{"model":"claude-haiku-4-5","inputTokens":20457,"outputTokens":343,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":32292,"outputTokens":3797,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":39933,"outputTokens":11801,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":26042,"outputTokens":2900,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":31041,"outputTokens":8822,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":29909,"outputTokens":5893,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":21299,"outputTokens":1949,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":7969,"outputTokens":536,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"vva-gl-package_philadelphia-indemnity_PHPK2661220","sha256":"42286ee391c6a7f52e8fcbcb758c4342a3b59fa4a6c556904a50d623475cb76b","filename":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"This is a multi-coverage-part commercial package policy packet (policy number PHPK2661220-013) containing: Common Policy Declarations (pp. 1-2), Policy Form Schedule (p. 3), Locations Schedule (p. 4), Additional Insured Schedule (pp. 5-7), Fees and Surcharge Schedule (p. 8), Commercial Property advisory notices and declarations with supplemental schedules (pp. 9-14), Commercial General Liability declarations and supplemental schedules (pp. 15-18), Commercial Inland Marine declarations and supplemental schedules (pp. 19-22), a California Auto Body Repair notice (p. 23), an auto-related advisory notice (p. 24), and Business Auto Declarations (pp. 25-30). The dominant policy line is general-liability per task instructions, as the CGL coverage part appears in the packet. The document contains only one policy number throughout.","carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"pageCount":329,"confidence":"high","namedInsured":{"value":"Vietnam Veterans of America Inc\nChapters and State Councils","citation":{"page":1,"quote":"Vietnam Veterans of America Inc\nChapters and State Councils\n8719 Colesville Rd Ste 100\nSilver Spring, MD 20910-3919","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"policyNumber":{"value":"PHPK2661220-013","citation":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":329,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"vva-gl-package_philadelphia-indemnity_PHPK2661220","role":"primary","term":{"effective":{"value":"2025-03-01","citation":{"page":1,"quote":"Policy Period From: 03/01/2025","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"expiration":{"value":"2026-03-01","citation":{"page":1,"quote":"To: 03/01/2026","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}},"notes":"This is a Commercial General Liability primary policy (CG0001 04 13 is the base form, which is occurrence-based). The retroactive date field on the CGL declarations page states 'NONE', indicating this is an occurrence form policy. No deductible or self-insured retention is printed on the CGL declarations page. The Medical Expense limit is printed as '$0'. No per-project aggregate endorsement (such as CG 25 03) appears in the forms schedule. No schedule of underlying insurance exists because this is a primary policy. Defense inside limits cannot be determined from the pages provided — the CG 00 01 04 13 base form pays defense outside limits, but the actual form language was not provided; however, standard CGL pays defense in addition to limits and that is not stated here so the field is marked unknown per instructions. The policy is a package policy (PHPK) including Commercial Property, Commercial General Liability, Commercial Inland Marine, and Commercial Auto coverage parts. The forms schedules shown on pages 3 and 16 are transcribed above; additional coverage-part-specific form schedules (Property, Inland Marine, Auto) were also provided in the document but the GL-specific forms on page 16 are most relevant to this extraction. The common policy forms schedule (page 3) is also included as it applies to the entire policy.","limits":{"eachOccurrence":{"value":1000000,"citation":{"page":15,"quote":"$ 1,000,000 Each Occurrence Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"generalAggregate":{"value":3000000,"citation":{"page":15,"quote":"$ 3,000,000 General Aggregate Limit (Other Than Products – Completed Operations)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":1000000,"citation":{"page":15,"quote":"$ 1,000,000 Personal and Advertising Injury Limit (Any One Person or Organization)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":3000000,"citation":{"page":15,"quote":"$ 3,000,000 Products/Completed Operations Aggregate Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}},"carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company\nA Stock Company (Nonparticipating)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["vva-gl-package_philadelphia-indemnity_PHPK2661220"],"namedInsured":{"value":"Vietnam Veterans of America Inc\nChapters and State Councils","citation":{"page":1,"quote":"Vietnam Veterans of America Inc\nChapters and State Councils\n8719 Colesville Rd Ste 100\nSilver Spring, MD 20910-3919","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"policyNumber":{"value":"PHPK2661220-013","citation":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"restrictions":[{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","citation":{"page":72,"quote":"NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"California Changes – Actual Cash Value","where":"endorsement","citation":{"page":74,"quote":"CALIFORNIA CHANGES – ACTUAL CASH VALUE This endorsement modifies insurance provided under the following:","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 02 02 20","carrierNoticedReduction":false},{"label":"California Changes","where":"endorsement","citation":{"page":75,"quote":"CALIFORNIA CHANGES This endorsement modifies insurance provided under the following:","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 04 07 20","carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","citation":{"page":89,"quote":"ABSOLUTE CYBER LIABILITY AND ELECTRONIC EXCLUSION The following exclusion applies to all coverages afforded under this policy: This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information...","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-ACL-001 (12/18)","carrierNoticedReduction":false},{"label":"Nevada Changes – Concealment, Misrepresentation or Fraud","where":"endorsement","citation":{"page":77,"quote":"CONCEALMENT, MISREPRESENTATION OR FRAUD Condition is replaced by the following: CONCEALMENT, MISREPRESENTATION OR FRAUD We will not pay for any loss (\"loss\") or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. Fraud; committed by an insured (\"insured\") at any time and relating to a claim under this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 10 09 07","carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","citation":{"page":95,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS I. The following exclusion applies to all coverages afforded in any Coverage Part, Coverage Form or endorsement issued by us, if you are engaged in any \"adoption or foster care services\" unless: A. You have disclosed such services in your application for coverage; and B. We have agreed to provide coverage for such services.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-029 (02/20)","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion Professional Liability","where":"endorsement","citation":{"page":97,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION PROFESSIONAL LIABILITY The following exclusion applies to all professional liability coverages afforded in any coverage form or endorsement issued by us. When the applicable professional liability coverage: A. Contains a communicable disease exclusion, it is deleted in its entirety and replaced with the following; or B. Does not contain a communicable disease exclusion, the following is added: This insurance does not apply to any loss, cost, expense, fine, penalty, act, error or omission, or damage arising out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-PROF-002 (06/20)","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability","where":"endorsement","citation":{"page":98,"quote":"TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY The following exclusion applies to all professional liability coverages afforded in all coverage forms or endorsements issued by us. When the applicable coverage: A. Contains a Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) exclusion, it is deleted in its entirety and replaced with the following; or B. Does not contain a Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) exclusion, the following is added: This insurance does not apply to: A. Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-PROF-003 (02/24)","carrierNoticedReduction":false},{"label":"Absolute Abuse or Molestation Exclusion Professional Liability","where":"endorsement","citation":{"page":100,"quote":"ABSOLUTE ABUSE OR MOLESTATION EXCLUSION PROFESSIONAL LIABILITY The following exclusion applies to all professional liability coverages afforded in any coverage form or endorsement issued by us. When the applicable professional liability coverage: A. Contains an abuse or molestation exclusion, it is deleted in its entirety and replaced with the following; or B. Does not contain an abuse or molestation exclusion, the following is added: This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person caused by the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-018 (05/19)","carrierNoticedReduction":false},{"label":"Cap On Losses From Certified Acts Of Terrorism","where":"endorsement","citation":{"page":88,"quote":"CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following... If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 09 52 01 15","carrierNoticedReduction":false},{"label":"Property Not Covered – Electronic Data","where":"base-form","citation":{"page":104,"quote":"n. Electronic data, except as provided under the Additional Coverage, Electronic Data. Electronic data means information, facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Electronic Data Additional Coverage – Sublimit","where":"base-form","citation":{"page":109,"quote":"The most we will pay under this Additional Coverage, Electronic Data, is $2,500 (unless a higher limit is shown in the Declarations) for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or damage or the number of premises, locations or computer systems involved.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Debris Removal – Sublimit on additional amount","where":"base-form","citation":{"page":105,"quote":"We will pay up to an additional $25,000 for debris removal expense, for each location, in any one occurrence of physical loss or damage to Covered Property","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":25000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Fire Department Service Charge – Sublimit","where":"base-form","citation":{"page":106,"quote":"we will pay up to $1,000 for service at each premises described in the Declarations, unless a higher limit is shown in the Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Pollutant Clean-up And Removal – Sublimit","where":"base-form","citation":{"page":107,"quote":"The most we will pay under this Additional Coverage for each described premises is $10,000 for the sum of all covered expenses arising out of Covered Causes of Loss occurring during each separate 12-month period of this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Increased Cost Of Construction – Sublimit","where":"base-form","citation":{"page":107,"quote":"The most we will pay under this Additional Coverage, for each described building insured under this Coverage Form, is $10,000 or 5% of the Limit of Insurance applicable to that building, whichever is less.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Vacancy Condition – Coverage Restriction","where":"base-form","citation":{"page":114,"quote":"If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you have protected the system against freezing; (c) Building glass breakage; (d) Water damage; (e) Theft; or (f) Attempted theft.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Outdoor Property Coverage Extension – Limited Causes","where":"base-form","citation":{"page":110,"quote":"You may extend the insurance provided by this Coverage Form to apply to your outdoor fences, radio and television antennas (including satellite dishes), trees, shrubs and plants (other than trees, shrubs or plants which are \"stock\" or are part of a vegetated roof), including debris removal expense, caused by or resulting from any of the following causes of loss if they are Covered Causes of Loss: (1) Fire; (2) Lightning; (3) Explosion; (4) Riot or Civil Commotion; or (5) Aircraft. The most we will pay for loss or damage under this Extension is $1,000","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Personal Effects and Property of Others Coverage Extension – Sublimit","where":"base-form","citation":{"page":110,"quote":"The most we will pay for loss or damage under this Extension is $2,500 at each described premises.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Valuable Papers and Records Coverage Extension – Sublimit","where":"base-form","citation":{"page":110,"quote":"Under this Extension, the most we will pay to replace or restore the lost information is $2,500 at each described premises, unless a higher limit is shown in the Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Property Off-premises Coverage Extension – Sublimit","where":"base-form","citation":{"page":110,"quote":"The most we will pay for loss or damage under this Extension is $10,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Non-owned Detached Trailers Coverage Extension – Sublimit","where":"base-form","citation":{"page":111,"quote":"The most we will pay for loss or damage under this Extension is $5,000, unless a higher limit is shown in the Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":5000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Business Personal Property Temporarily In Portable Storage Units – Sublimit","where":"base-form","citation":{"page":111,"quote":"Under this Extension, the most we will pay for the total of all loss or damage to business personal property is $10,000 (unless a higher limit is indicated in the Declarations for such Extension)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Outdoor Signs – Sublimit","where":"base-form","citation":{"page":111,"quote":"The most we will pay for loss or damage to outdoor signs, whether or not the sign is attached to a building, is $2,500 per sign in any one occurrence.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Newly Acquired Or Constructed Property – Building Sublimit","where":"base-form","citation":{"page":109,"quote":"The most we will pay for loss or damage under this Extension is $250,000 at each building.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":250000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Newly Acquired Or Constructed Property – Business Personal Property Sublimit","where":"base-form","citation":{"page":109,"quote":"The most we will pay for loss or damage under this Extension is $100,000 at each building.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","citation":{"page":121,"quote":"We will not pay for loss or damage caused by or resulting from any virus, bacterium or other micro-organism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 01 40 07 06","carrierNoticedReduction":false},{"label":"Mold Exclusion","where":"endorsement","citation":{"page":144,"quote":"Mold or other fungi, wet or dry rot, dampness of atmosphere, or extremes of temperature, however caused. But if Mold is the result of a Covered Cause of Loss, we will pay for the loss or damage caused by Mold. The most we will pay for such loss or damage is $10,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"PI-CP-001","carrierNoticedReduction":false},{"label":"Mismatch Exclusion","where":"endorsement","citation":{"page":148,"quote":"We will not pay for loss or damage caused by or resulting from any of the following: Mismatch (1) Mismatch of color between undamaged roof or siding material on buildings or structures and new roof or siding material used to repair or replace the damaged roof or siding on buildings or structures; due to but not limited to fading, oxidization, weathering, or wear and tear of any existing undamaged roof or siding material.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CP-123","carrierNoticedReduction":false},{"label":"Existing Damage Exclusion","where":"endorsement","citation":{"page":149,"quote":"The following exclusion is added to Section B. Exclusions, Paragraph 1.: Existing Damage (1) Any loss or damage commencing prior to the Policy Period shown in the Declarations regardless of whether loss or damage was apparent at the inception date of this policy or at a later date","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CP-124","carrierNoticedReduction":false},{"label":"Ordinance Or Law","where":"base-form","citation":{"page":124,"quote":"The enforcement of or compliance with any ordinance or law: (1) Regulating the construction, use or repair of any property; or (2) Requiring the tearing down of any property, including the cost of removing its debris.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Earth Movement","where":"base-form","citation":{"page":124,"quote":"Earthquake, including tremors and aftershocks and any earth sinking, rising or shifting related to such event; Landslide, including any earth sinking, rising or shifting related to such event","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Governmental Action","where":"base-form","citation":{"page":124,"quote":"Seizure or destruction of property by order of governmental authority.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","citation":{"page":124,"quote":"Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Utility Services","where":"base-form","citation":{"page":124,"quote":"The failure of power, communication, water or other utility service supplied to the described premises, however caused, if the failure: (1) Originates away from the described premises; or (2) Originates at the described premises, but only if such failure involves equipment used to supply the utility service to the described premises from a source away from the described premises.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"War And Military Action","where":"base-form","citation":{"page":124,"quote":"War, including undeclared or civil war; Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Water","where":"base-form","citation":{"page":125,"quote":"Flood, surface water, waves (including tidal wave and tsunami), tides, tidal water, overflow of any body of water, or spray from any of these, all whether or not driven by wind (including storm surge)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Fungus, Wet Rot, Dry Rot And Bacteria","where":"base-form","citation":{"page":125,"quote":"Presence, growth, proliferation, spread or any activity of \"fungus\", wet or dry rot or bacteria.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Artificially generated electrical, magnetic or electromagnetic energy","where":"base-form","citation":{"page":126,"quote":"Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any: (1) Electrical or electronic wire, device, appliance, system or network; or (2) Device, appliance, system or network utilizing cellular or satellite technology.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Delay, loss of use or loss of market","where":"base-form","citation":{"page":126,"quote":"Delay, loss of use or loss of market.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Wear and tear; Rust or corrosion","where":"base-form","citation":{"page":126,"quote":"Wear and tear; Rust or other corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Explosion of steam boilers","where":"base-form","citation":{"page":126,"quote":"Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Continuous or repeated seepage or leakage of water","where":"base-form","citation":{"page":126,"quote":"Continuous or repeated seepage or leakage of water, or the presence or condensation of humidity, moisture or vapor, that occurs over a period of 14 days or more.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Water, other liquids, powder or molten material from freezing","where":"base-form","citation":{"page":126,"quote":"Water, other liquids, powder or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment (except fire protective systems) caused by or resulting from freezing","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Dishonest or criminal act (including theft)","where":"base-form","citation":{"page":126,"quote":"Dishonest or criminal act (including theft) by you, any of your partners, members, officers, managers, employees (including temporary employees and leased workers), directors, trustees or authorized representatives","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Voluntary parting with property","where":"base-form","citation":{"page":127,"quote":"Voluntary parting with any property by you or anyone else to whom you have entrusted the property if induced to do so by any fraudulent scheme, trick, device or false pretense.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Rain, snow, ice or sleet to personal property in the open","where":"base-form","citation":{"page":127,"quote":"Rain, snow, ice or sleet to personal property in the open.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Collapse","where":"base-form","citation":{"page":127,"quote":"Collapse, including any of the following conditions of property or any part of the property: (1) An abrupt falling down or caving in; 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War, including undeclared or civil war","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Racing - CA 00 01","where":"base-form","citation":{"page":243,"quote":"Racing Covered \"autos\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Nuclear Hazard - CA 00 01 Physical Damage","where":"base-form","citation":{"page":244,"quote":"Nuclear Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"War Or Military Action - 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Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of \"mobile equipment\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Completed Operations - CA 00 01 10 13","where":"base-form","citation":{"page":254,"quote":"Completed Operations \"Bodily injury\" or \"property damage\" arising out of your work after that work has been completed or abandoned.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Pollution - CA 00 01 10 13","where":"base-form","citation":{"page":254,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"War - CA 00 01 10 13","where":"base-form","citation":{"page":255,"quote":"War \"Bodily injury\" or \"property damage\" arising directly or indirectly out of: a. War, including undeclared or civil war","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Racing - CA 00 01 10 13","where":"base-form","citation":{"page":255,"quote":"Racing Covered \"autos\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Electronic equipment sub-limit","where":"base-form","citation":{"page":257,"quote":"All electronic equipment that reproduces, receives or transmits audio, visual or data signals in any one \"loss\" is $1,000","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Transportation expenses sub-limit","where":"base-form","citation":{"page":256,"quote":"We will pay up to $20 per day, to a maximum of $600, for temporary transportation expense","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":600,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Loss of use expenses sub-limit","where":"base-form","citation":{"page":257,"quote":"the most we will pay for any expenses for loss of use is $20 per day, to a maximum of $600","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":600,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Nuclear hazard exclusion","where":"base-form","citation":{"page":257,"quote":"Nuclear Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"War or military action exclusion","where":"base-form","citation":{"page":257,"quote":"War Or Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Racing or demolition contest exclusion","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to any covered \"auto\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. 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Blowouts, punctures or other road damage to tires.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Audio and visual electronic devices exclusion","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Speed-measuring detector exclusion","where":"base-form","citation":{"page":257,"quote":"b. Any device designed or used to detect speed-measuring equipment, such as radar or laser detectors, and any jamming apparatus intended to elude or disrupt speed-measuring equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment exclusion","where":"base-form","citation":{"page":257,"quote":"c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Diminution in value exclusion","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Disciplinary hearing defense sub-limit","where":"base-form","citation":{"page":277,"quote":"We will reimburse you for reasonable legal services charged by a lawyer we agree to and other expenses you may incur in the investigation and defense of \"disciplinary proceeding(s)\" brought against you arising out of a \"professional incident\" that is otherwise covered by this policy. This Coverage is limited to $100,000 per \"professional incident\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Expected or intended damages exclusion","where":"base-form","citation":{"page":275,"quote":"Expected or intended from the standpoint of the insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Breach of contract exclusion","where":"base-form","citation":{"page":275,"quote":"For any actual or alleged breach of contract or agreement. 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However, with respect to you only, this exclusion does not apply to services performed by a psychiatrist so long as you have written confirmation of malpractice insurance covering such individual with limits of at least $1,000,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Professional services exclusion (attorney, architect, engineer, etc.)","where":"base-form","citation":{"page":275,"quote":"Arising out of the furnishing or failure to furnish professional services by an attorney, architect, engineer, accountant, real estate or investment manager, physician, dentist, anesthesiologist, nurse anesthetist, nurse midwife, x-ray therapist, radiologist, chiropodist, chiropractor, optometrist, or veterinarian.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Professional board or committee exclusion","where":"base-form","citation":{"page":276,"quote":"Arising out of membership in a formal accreditation or similar professional board or committee or any hospital or professional society.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Injury to insured exclusion","where":"base-form","citation":{"page":276,"quote":"Arising out of injury to any insured, or any consequential injury to the spouse, child, parent, brother or sister of that insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Workers compensation obligation exclusion","where":"base-form","citation":{"page":276,"quote":"Arising out of any obligation of the insured under a workers compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Employment-related practices exclusion","where":"base-form","citation":{"page":276,"quote":"Arising out of any claim made by: a. 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authority.","status":"found-on-other-page"},{"page":124,"path":"restrictions.33.citation","quote":"Nuclear reaction or radiation, or radioactive contamination, however caused.","status":"found-on-other-page"},{"page":124,"path":"restrictions.34.citation","quote":"The failure of power, communication, water or other utility service supplied to the described premises, however caused, if the failure: (1) Originates away from the described premises; or (2) Originates at the described premises, but only if such failure involves equipment used to supply the utility service to the described premises from a source away from the described premises.","status":"found-on-other-page"},{"page":124,"path":"restrictions.35.citation","quote":"War, including undeclared or civil war; Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents","status":"found-on-other-page"},{"page":126,"path":"restrictions.44.citation","quote":"Dishonest or criminal act (including theft) by you, any of your partners, members, officers, managers, employees (including temporary employees and leased workers), directors, trustees or authorized representatives","status":"found-on-other-page"},{"page":139,"path":"restrictions.81.citation","quote":"$2,500 for furs, fur garments and garments trimmed with fur.","status":"found-on-other-page"},{"page":139,"path":"restrictions.82.citation","quote":"$2,500 for jewelry, watches, watch movements, jewels, pearls, precious and semiprecious stones, bullion, gold, silver, platinum and other precious alloys or metals.","status":"found-on-other-page"},{"page":139,"path":"restrictions.83.citation","quote":"$2,500 for patterns, dies, molds and forms.","status":"found-on-other-page"},{"page":139,"path":"restrictions.84.citation","quote":"$250 for stamps, tickets, including lottery tickets held for sale, and letters of credit.","status":"found-on-other-page"},{"page":150,"path":"restrictions.85.citation","quote":"\"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the insured.","status":"found-on-other-page"},{"page":150,"path":"restrictions.86.citation","quote":"\"Bodily injury\" or \"property damage\" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement.","status":"found-on-other-page"},{"page":150,"path":"restrictions.87.citation","quote":"\"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol","status":"found-on-other-page"},{"page":150,"path":"restrictions.88.citation","quote":"Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","status":"found-on-other-page"},{"page":151,"path":"restrictions.90.citation","quote":"\"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","status":"found-on-other-page"},{"page":153,"path":"restrictions.95.citation","quote":"\"Property damage\" to \"your product\" arising out of it or any part of it.","status":"found-on-other-page"},{"page":153,"path":"restrictions.96.citation","quote":"\"Property damage\" to \"your work\" arising out of it or any part of it and included in the \"products-completed operations hazard\".","status":"found-on-other-page"},{"page":215,"path":"restrictions.151.citation","quote":"Acts Or Omissions Of Insured The sole proximate cause of which is an act or omission of any insured other than acts or omissions of any of \"your designated employees\".","status":"found-on-other-page"},{"page":235,"path":"restrictions.165.citation","quote":"Governmental Action Seizure or destruction of property by order of governmental authority.","status":"found-on-other-page"},{"page":235,"path":"restrictions.166.citation","quote":"Nuclear Hazard (1) Any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination from any other cause.","status":"found-on-other-page"},{"page":240,"path":"restrictions.180.citation","quote":"Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the \"insured\".","status":"found-on-other-page"},{"page":240,"path":"restrictions.181.citation","quote":"Contractual Liability assumed under any contract or agreement.","status":"found-on-other-page"},{"page":240,"path":"restrictions.182.citation","quote":"Workers' Compensation Any obligation for which the \"insured\" or the \"insured's\" insurer may be held liable under any workers' compensation, disability benefits or unemployment compensation law or any similar law.","status":"found-on-other-page"},{"page":241,"path":"restrictions.183.citation","quote":"Employee Indemnification And Employer's Liability \"Bodily injury\" to: a. An \"employee\" of the \"insured\" arising out of and in the course of","status":"found-on-other-page"},{"page":241,"path":"restrictions.184.citation","quote":"Fellow Employee \"Bodily injury\" to: a. Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment","status":"found-on-other-page"},{"page":241,"path":"restrictions.185.citation","quote":"Care, Custody Or Control \"Property damage\" to or \"covered pollution cost or expense\" involving property owned or transported by the \"insured\" or in the \"insured's\" care, custody or control.","status":"found-on-other-page"},{"page":241,"path":"restrictions.186.citation","quote":"Handling Of Property \"Bodily injury\" or \"property damage\" resulting from the handling of property","status":"found-on-other-page"},{"page":241,"path":"restrictions.187.citation","quote":"Movement Of Property By Mechanical Device \"Bodily injury\" or \"property damage\" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered \"auto\".","status":"found-on-other-page"},{"page":242,"path":"restrictions.190.citation","quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","status":"found-on-other-page"},{"page":244,"path":"restrictions.194.citation","quote":"War Or Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force","status":"found-on-other-page"},{"page":244,"path":"restrictions.195.citation","quote":"We will not pay for \"loss\" to any covered \"auto\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity.","status":"found-on-other-page"},{"page":244,"path":"restrictions.196.citation","quote":"Wear and tear, freezing, mechanical or electrical breakdown.","status":"found-on-other-page"},{"page":244,"path":"restrictions.197.citation","quote":"Blowouts, punctures or other road damage to tires.","status":"found-on-other-page"},{"page":240,"path":"restrictions.206.citation","quote":"Up to $2,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an \"accident\" we cover.","status":"found-on-other-page"},{"page":253,"path":"restrictions.210.citation","quote":"Employee Indemnification And Employer's Liability \"Bodily injury\" to: a. An \"employee\" of the \"insured\" arising out of and in the course of","status":"found-on-other-page"},{"page":254,"path":"restrictions.217.citation","quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","status":"found-on-other-page"},{"page":275,"path":"restrictions.239.citation","quote":"Arising out of the furnishing or failure to furnish professional services by an attorney, architect, engineer, accountant, real estate or investment manager, physician, dentist, anesthesiologist, nurse anesthetist, nurse midwife, x-ray therapist, radiologist, chiropodist, chiropractor, optometrist, or veterinarian.","status":"not-found"},{"page":276,"path":"restrictions.248.citation","quote":"c. \"Asbestos hazard\"","status":"found-on-other-page"},{"page":276,"path":"restrictions.249.citation","quote":"d. \"Lead hazard\".","status":"found-on-other-page"},{"page":326,"path":"restrictions.282.citation","quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PI-PROF-002 (06/20)","status":"found-on-other-page"}],"notFound":1,"verified":453,"verifiedExact":367,"pageUnreadable":0,"foundOnOtherPage":38},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":66311,"outputTokens":478,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":73447,"outputTokens":8249,"cacheReadTokens":0,"cacheWriteTokens":1961},{"model":"claude-haiku-4-5","inputTokens":22774,"outputTokens":4216,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":22284,"outputTokens":3513,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"vva-umbrella_philadelphia-indemnity_PHUB902534","sha256":"4a1df296cc534e4337e4326f79c36a8316582744d1a6e669e6865b60290f5360","filename":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"umbrella","type":"declarations","notes":"The document is a packet containing multiple components: (1) the Commercial Umbrella Liability Insurance Policy Declarations (PI-CXL-002, pages 1-5), (2) a Form Schedule – Umbrella Liability (page 6), (3) an endorsement PI-HS-029 Exclusion – Adoption and Foster Care Operations (pages 7-8), and (4) the Commercial Umbrella Liability Insurance Policy coverage form PI-CXL-001 (pages 9-30). The dominant document is the declarations page for policy PHUB902534-013. The packet appears to contain more than one document type; splitting would separate the declarations, the schedule of forms, the endorsement, and the coverage form. Classified as 'declarations' based on the dominant character of the first pages. The endorsement PI-HS-029 does not appear in the Form Schedule on page 6, which may indicate it was attached separately or the schedule is incomplete.","carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"pageCount":84,"confidence":"medium","namedInsured":{"value":"Vietnam Veterans of America Inc.\nChapters and State Councils","citation":{"page":1,"quote":"NAMED INSURED:  Vietnam Veterans of America Inc.\n                Chapters and State Councils","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"policyNumber":{"value":"PHUB902534-013","citation":{"page":1,"quote":"POLICY NUMBER:  PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":84,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"vva-umbrella_philadelphia-indemnity_PHUB902534","role":"umbrella","term":{"effective":{"value":"2025-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM 03/01/2025 TO 03/01/2026","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"expiration":{"value":"2026-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM 03/01/2025 TO 03/01/2026","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"notes":"The Employers' Liability, Employee Benefits Liability, Abusive Conduct Liability, Directors & Officers Liability, Liquor Liability, Watercraft Liability, and Other Coverages sections of the Schedule of Underlying Insurance are blank on pages 3-5 — no company, policy number, or limits were printed in those fields. Only three lines (Commercial General Liability, Commercial Auto Liability, and Professional Liability) contain populated data. The retained limit is labeled 'RETAINED LIMIT' on the declarations page; the policy uses the term 'retained limit' in the policy language (Section IV, Condition 17) to describe the amount the insured must pay before this policy responds, which functions as a self-insured retention for the umbrella layer. The attachment point is not separately printed as a dollar figure; it is implied by the schedule of underlying insurance limits. Per the task instructions, no attachment point figure is transcribed since none is printed. The form PI-CXL-113 is titled 'Per Location / Per Project Agg Limit Of Ins Exclusion,' indicating that a per-project aggregate endorsement is excluded rather than granted; accordingly, perProjectAggregate is omitted. Defense costs are stated to not reduce limits per the supplementary payments section. The drop-down provision is confirmed by Section I.2.a.(2) and Section IV.18.","limits":{"eachOccurrence":{"value":5000000,"citation":{"page":1,"quote":"EACH OCCURRENCE LIMIT (LIABILITY COVERAGE) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":1,"quote":"GENERAL AGGREGATE LIMIT (LIABILITY COVERAGE) (except with respect to Auto Liability and Products Completed Operations) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":5000000,"citation":{"page":1,"quote":"PERSONAL & ADVERTISING INJURY LIMIT $ 5,000,000 Any one person or organization","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":5000000,"citation":{"page":1,"quote":"PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":{"value":10000,"citation":{"page":1,"quote":"RETAINED LIMIT: $ 10,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"confidence":"high","documentIds":["vva-umbrella_philadelphia-indemnity_PHUB902534"],"namedInsured":{"value":"Vietnam Veterans of America Inc. Chapters and State Councils","citation":{"page":1,"quote":"NAMED INSURED: Vietnam Veterans of America Inc. Chapters and State Councils","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"policyNumber":{"value":"PHUB902534-013","citation":{"page":1,"quote":"POLICY NUMBER: PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"restrictions":[{"label":"Directors and Officers Liability Exclusion","where":"endorsement","citation":{"page":38,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising from any \"wrongful act\" of any director or officer of the insured in the discharge or performance of their duties as such.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-004","carrierNoticedReduction":false},{"label":"Employers' Liability (Stop Gap) Exclusion","where":"endorsement","citation":{"page":39,"quote":"This insurance does not apply to any liability for \"bodily injury,\" disability or shock, including death at any time resulting from any of these, and, if arising out of the foregoing mental anguish or mental injury sustained by: 1. An \"employee\" of the insured arising out of and in the course of employment by the insured; or 2. The spouse, child, parent, brother or sister of that \"employee\" as a consequence of 1. above.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-006","carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","citation":{"page":40,"quote":"This insurance does not apply to any injury, liability, damage, loss, cost or expense sustained or incurred by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-007","carrierNoticedReduction":false},{"label":"Subsidence Exclusion","where":"endorsement","citation":{"page":41,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense, whether direct or indirect, arising out of, caused by, resulting from, contributed to or aggravated by the subsidence of land, including any: settling, expansion, sinking, slipping, falling away, tilting, caving in, shifting, eroding, mud flow, rising, or any other movement of land or earth if any of the foregoing emanate from the operations of the insured or any other person for whose acts the insured is legally liable.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-014","carrierNoticedReduction":false},{"label":"Athletic Participants and Officials Exclusion","where":"endorsement","citation":{"page":42,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense for injury sustained by: Any person while practicing for, or participating in, or officiating at, any athletic contest or exhibition; or Any person specified below:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-015","carrierNoticedReduction":false},{"label":"Trampoline Exclusion","where":"endorsement","citation":{"page":43,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. The ownership, maintenance or use of trampolines; or b. The supervision of any person using a trampoline.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-021","carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","citation":{"page":45,"quote":"This insurance does not apply to: Fungi or Bacteria 1. \"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-032","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":46,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-039","carrierNoticedReduction":false},{"label":"Medical Professional Liability Exclusion","where":"endorsement","citation":{"page":48,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of any \"professional incident\" by any \"medical professional.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-047","carrierNoticedReduction":false},{"label":"Non-Owned Watercraft Amendment","where":"endorsement","citation":{"page":49,"quote":"Watercraft you do not own that is: (a) Less than 58 feet long; and (b) Not being used to carry persons or property for a charge.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-054","carrierNoticedReduction":false},{"label":"Employee Benefits Liability Exclusion","where":"endorsement","citation":{"page":50,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of an act, error or omission committed in the \"administration\" of your \"employee benefit program.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-068","carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","citation":{"page":51,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead; b. Manufacture, distribution, sale, resale, rebranding, installation, repair, removal, encapsulation, abatement, replacement or handling of lead, paint containing lead, or any other material or substance containing lead;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-075","carrierNoticedReduction":false},{"label":"Professional Liability Coverage Sub-Limit","where":"endorsement","citation":{"page":52,"quote":"Applicable Professional Liability Coverage(s) Professional Liability Coverage Sub-Limits Each Professional Incident Limit: $______________ Aggregate Limit: $______________ ... 5,000,000 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":5000000,"formNumber":"PI-CXL-085","carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-Related Liability Exclusion","where":"endorsement","citation":{"page":53,"quote":"This insurance does not apply to: u. Access or Disclosure of Confidential or Personal Information and Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-088","carrierNoticedReduction":false},{"label":"Automobile Liability Sub-Limit","where":"endorsement","citation":{"page":55,"quote":"AUTOMOBILE LIABILITY SUB-LIMIT: Each Occurrence Limit: $______________ ... 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":5000000,"formNumber":"PI-CXL-092","carrierNoticedReduction":false},{"label":"Recording and Distribution of Material or Information in Violation of Law – Personal and Advertising Injury Exclusion","where":"endorsement","citation":{"page":56,"quote":"This insurance does not apply to \"personal and advertising injury\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-099","carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","citation":{"page":57,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information, including but not limited to patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information, biometrics, or any other type of nonpublic information; or (2) Business interruption or suspension of operations as caused by any access, \"unauthorized access,\" lack of access, delay in access, damage, manipulation, loss, or impairment to \"electronic data\" or \"electronic media\"; or (3) \"Cyber extortion\"; or (4) A \"privacy breach\"; or (5) A \"security breach\"; or (6) Any fraudulent communication through \"electronic media\" that impersonates any person or organization, including but not limited to phishing or other social engineering techniques or otherwise; or (7) Any computer code, software, or programming; or (8) Any \"security breach\" that results in any electronic thing or device or \"electronic media\" malfunctioning, improperly functioning, non-functioning, failing to perform as the intended user desired, or being electronically manipulated to perform in a way that causes harm to the insured or others; or (9) The loss, loss of use, misuse, delay, manipulation, corruption, damage, alteration, destruction, distortion, erasure, or theft of, or inability to access or manipulate \"electronic data\" or \"electronic media\" as a result of \"cyber extortion\"; or \"privacy breach\"; or \"security breach\"; or (10) Any failure of utilities based upon, arising out of, or attributable to any mechanical or electrical failure, interruption, or outage, however caused, including but not limited to any electrical power interruption or surge, brownout, blackout, short circuit, over voltage, or power fluctuation or outage to gas, water, telephone, cable, satellite, telecommunications, the internet, or any component thereof, including but not limited to hardware, software, or any other infrastructure as a result of \"cyber extortion\"; or \"privacy breach\"; or \"security breach.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-100","carrierNoticedReduction":false},{"label":"Limit of Insurance Exclusion Clause Minimum Limit Requirement","where":"endorsement","citation":{"page":60,"quote":"This policy does not follow and shall not become excess of any coverage which incorporates a limit of insurance or sub-limit of insurance that is less than $1,000,000 and is attached to any \"underlying insurance\" shown in the Schedule of Underlying Insurance.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-111","carrierNoticedReduction":false},{"label":"Per Location / Per Project Aggregate Limit of Insurance Exclusion","where":"endorsement","citation":{"page":61,"quote":"Any per location or per project aggregate limit of insurance that is extended by a policy of \"underlying insurance\" will not apply to any coverage provided by this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-113","carrierNoticedReduction":false},{"label":"Silica or Silica-Related Dust Exclusion","where":"endorsement","citation":{"page":62,"quote":"This insurance does not apply to: Silica or Silica-Related Dust Any liability, damage, loss, cost or expense arising, in whole or in part, out of: 1. The actual, alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, \"silica\" or \"silica-related dust.\" 2. The abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects of, \"silica\" or \"silica-related dust,\" by any insured or by any other person or entity.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-117","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion","where":"endorsement","citation":{"page":63,"quote":"This insurance does not apply to: Communicable Disease Any liability, damage, loss, cost or expense arising, in whole or in part, out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-132","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","citation":{"page":64,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any injury, damage, loss, cost or expense arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of , any and all \"PFC/PFAS\"; b. Design, manufacture, storage, processing, packaging, handling, testing, distribution, sale, or disposal of \"PFC/PFAS\"; c. Discharge, dispersal, seepage, migration, release, flaking, leakage, leaching, friability, release or escape of \"PFC/PFAS\"; d. Providing or failing to provide warnings or instructions with respect to \"PFC/PFAS\"; or e. Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of \"PFC/PFAS\"; regardless of whether any other cause, event, material substances, compounds, goods, products or \"your products\", contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-137","carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS I. The following exclusion applies to all coverages afforded in any Coverage Part, Coverage Form or endorsement issued by us, if you are engaged in any \"adoption or foster care services\" unless: A. You have disclosed such services in your application for coverage; and B. We have agreed to provide coverage for such services.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-HS-029","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","citation":{"page":12,"quote":"a. Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Workers Compensation and Similar Laws","where":"base-form","citation":{"page":12,"quote":"b. Workers Compensation and Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Employment Related Practices","where":"base-form","citation":{"page":12,"quote":"c. Employment Related Practices \"Bodily injury\" or \"personal and advertising injury\" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or (c) Employment related practices, policies, acts or omissions such as discrimination, criticism, self-defamation, coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation or malicious prosecution directed at that person","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":13,"quote":"d. War \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" however caused arising, directly or indirectly out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Rebellion, revolution, insurrection, usurped power or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"E.R.I.S.A.","where":"base-form","citation":{"page":13,"quote":"e. E.R.I.S.A. Any obligation of the insured under the Employees' Retirement Income Security Act (E.R.I.S.A.) and any amendments thereto or any similar federal, state, or local statute.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":13,"quote":"f. Contractual Liability \"Bodily injury\" or \"property damage\" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Aircraft or Watercraft","where":"base-form","citation":{"page":13,"quote":"g. Aircraft or Watercraft \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance, use or entrustment to others of any aircraft or watercraft owned, or operated by; or rented or loaned to any insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Auto Coverages","where":"base-form","citation":{"page":14,"quote":"h. Auto Coverages (1) \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance or use of any \"auto\" which is not an \"auto\" covered by \"underlying insurance\"; or (2) Any loss, cost or expense payable under or resulting from any first party physical damage coverage; no-fault law; personal injury protection or auto medical payment coverage; or uninsured or underinsured motorist law.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Other Personal and Advertising Injury Exclusions","where":"base-form","citation":{"page":14,"quote":"i. Other Personal and Advertising Injury Exclusions \"Personal and advertising injury\": (1) Knowing Violation of Rights of Another Caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict \"personal and advertising injury.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Property","where":"base-form","citation":{"page":16,"quote":"j. Damage to Property \"Property damage\" to property: (1) You own, rent or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Your Product","where":"base-form","citation":{"page":16,"quote":"k. Damage to Your Product \"Property damage\" to \"your product\" arising out of it or any part of it.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Your Work","where":"base-form","citation":{"page":16,"quote":"l. Damage to Your Work \"Property damage\" to \"your work\" arising out of it or any part of it and included in the \"products-completed operations hazard.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Impaired Property or Property Not Physically Injured","where":"base-form","citation":{"page":16,"quote":"m. Damage to Impaired Property or Property Not Physically Injured \"Property damage\" to \"impaired property\" or property that has not been physically injured, arising out of: (1) A defect, deficiency, inadequacy or dangerous condition in \"your product\" or \"your work\"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Recall of Products, Work or Impaired Property","where":"base-form","citation":{"page":17,"quote":"n. Recall of Products, Work or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) \"Your product\"; (2) \"Your work\"; or (3) \"Impaired property\"; if such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":17,"quote":"o. Pollution (1) \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" arising out of the actual alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\": (a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to, any insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Discrimination","where":"base-form","citation":{"page":19,"quote":"p. Discrimination Any liability arising from discrimination: (1) Suffered or allegedly suffered by any person based upon, but not limited to, color, creed, gender, race, national origin, age, handicap, illness, religion or sexual preference; or (2) Due to unfair trade practices.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Asbestos","where":"base-form","citation":{"page":19,"quote":"q. Asbestos \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" arising out of the \"asbestos hazard.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Nuclear Energy Liability","where":"base-form","citation":{"page":19,"quote":"r. Nuclear Energy Liability Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under such policy but for its termination upon exhaustion of its limit of liability","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Liquor Liability","where":"base-form","citation":{"page":21,"quote":"s. Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Trade or Economic Sanctions","where":"base-form","citation":{"page":21,"quote":"t. Trade or Economic Sanctions To the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Electronic Data","where":"base-form","citation":{"page":21,"quote":"u. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access or inability to manipulate electronic data.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Distribution of Material in Violation of Statutes","where":"base-form","citation":{"page":21,"quote":"v. Distribution of Material in Violation of Statutes \"Bodily injury\" or \"property damage\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; or (3) Any statute, ordinance or regulation, other than TCPA or CAN-SPAM Act of 2003, that prohibits or limits the sending, transmitting, communicating or distribution of materials or information.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Commercial Umbrella Liability Ins Policy Declarations","citation":{"page":6,"quote":"Commercial Umbrella Liability Ins Policy 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