{"id":"review-mt66z2af","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. 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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":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","source":"policy-language","citation":{"page":89,"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...","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-ACL-001","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","source":"policy-language","citation":{"page":95,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, sum, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person or organization and which is: A. Caused by alleged, actual or threatened abuse or molestation by anyone; B. The result of any \"professional incident\"; C. The result of any \"bodily injury,\" \"property damage\" or \"personal and advertising injury\"; D. Otherwise assumed as a result of any transfer to a third party of a contract or agreement to provide adoption or foster care placement services; or E. The result of providing any referral(s) to any other organization...","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-029","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":326,"quote":"NOTICE OF REDUCTION IN COVERAGE... ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PI-PROF-002 (06/20)... This endorsement excludes coverage for professional liability arising out of the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-PROF-002","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":"NOTICE OF REDUCTION IN COVERAGE... TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY– PI-PROF-003 (02/24)... This exclusion excludes coverage for liability arising out of, in any way related to, or would not have occurred in whole or in part for the actual or alleged exposure to Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS).","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-PROF-003","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Absolute Abuse or Molestation Exclusion Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":100,"quote":"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","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Property Not Covered – Electronic Data","where":"base-form","source":"policy-language","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"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":2500,"formNumber":"CP 00 10","alsoProvisions":["Electronic Data Additional Coverage – Sub-limit","Fire Department Service Charge Sub-limit","Pollutant Clean-up And Removal Sub-limit","Increased Cost of Construction Sub-limit","Outdoor Property Coverage Extension Sub-limit","Personal Effects and Property of Others Extension Sub-limit","Valuable Papers and Records Extension Sub-limit","Property Off-premises Extension Sub-limit","Non-owned Detached Trailers Extension Sub-limit","Business Personal Property Temporarily In Portable Storage Units Extension Sub-limit","Outdoor Signs Sub-limit","Debris Removal Additional Amount Sub-limit","Newly Acquired Or Constructed Property – Buildings Extension Sub-limit","Newly Acquired Or Constructed Property – Business Personal Property Extension Sub-limit"],"carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation Or Fraud Condition","where":"base-form","source":"policy-language","citation":{"page":119,"quote":"This Coverage Part is void in any case of fraud by you as it relates to this Coverage Part at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Coverage Part; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Coverage Part.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 00 90","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":326,"quote":"EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ENDORSEMENT – CP 01 40 07 06... This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Property or Ultimate Cover insurance. It points out that there is no coverage under such insurance for loss or damage caused by or resulting from any virus, bacterium or other microorganism 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":"California Changes – Replacement Cost","where":"endorsement","source":"policy-language","citation":{"page":122,"quote":"We will not pay on a replacement cost basis for any loss or damage until the lost or damaged property is actually repaired or replaced.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 04 49 12 05","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Ordinance Or Law","where":"base-form","source":"policy-language","citation":{"page":236,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... Seizure or destruction of property by order of governmental authority.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":2500,"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","Smoke, vapor or gas from agricultural smudging or industrial operations","Wear and tear; Rust or other corrosion; Smog; Settling, cracking, shrinking or expansion; Nesting or infestation; Mechanical breakdown","Dampness or dryness of atmosphere; Changes in or extremes of temperature; Marring or scratching","Explosion of steam boilers, steam pipes, steam engines or steam turbines","Continuous or repeated seepage or leakage of water","Water, other liquids, powder or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment caused by freezing","Dishonest or criminal act (including theft)","Voluntary parting with any property by you or anyone else to whom you have entrusted the property","Rain, snow, ice or sleet to personal property in the open","Collapse","Discharge, dispersal, seepage, migration, release or escape of pollutants","Neglect of an insured to use all reasonable means to save and preserve property from further damage","Weather conditions","Acts or decisions of any person, group, organization or governmental body","Faulty, inadequate or defective planning, design, materials, maintenance","Special limits on furs, jewelry, patterns, dies, molds, forms, stamps, and tickets","Limited Coverage For Fungus, Wet Rot, Dry Rot And Bacteria","Property In Transit"],"carrierNoticedReduction":false},{"label":"Ordinance Or Law","where":"base-form","source":"policy-language","citation":{"page":236,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... 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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":"Changes – 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 – Interruption Of Computer Operations"],"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","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":"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","Contractual Liability (PAI)","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","Pollution (PAI)","Pollution-related","War (PAI)","Recording And Distribution Of Material Or Information In Violation Of Law (PAI)","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)","Products-Completed Operations Hazard (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":"NOTICE OF REDUCTION IN COVERAGE... COMMUNICABLE DISEASE EXCLUSION ENDORSEMENT – CG 21 32 05 09... This endorsement excludes coverage for liability arising out of the actual or alleged transmission of a communicable disease which includes but is not limited to, COVID-19.","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; (b) Termination of that person's employment; or (c) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 47 12 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Liquor Liability – Amendment with Exception for Scheduled Premises or Activities","where":"endorsement","source":"policy-language","citation":{"page":182,"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, including causing or contributing to the intoxication of any person because alcoholic beverages were permitted to be brought on your premises, for consumption on your premises; (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-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 51 04 13","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":183,"quote":"\"Bodily injury\" or \"property damage\" 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-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 67 12 04","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":184,"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","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":100000000000,"formNumber":"CG 21 70 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Lead Liability","where":"endorsement","source":"policy-language","citation":{"page":190,"quote":"\"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" arising out of or caused by the actual or alleged: 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-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-001(8/94)","alsoProvisions":["Exclusion - Lead Liability"],"carrierNoticedReduction":false},{"label":"Asbestos Liability","where":"endorsement","source":"policy-language","citation":{"page":194,"quote":"\"Bodily injury,\" \"property damage,\" and \"personal and advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos; 2. The use of asbestos in constructing or manufacturing any good, product or structure; 3. The removal of asbestos from any good, product or structure; or 4. The manufacture, sale, transportation, storage or disposal of asbestos or goods or products containing asbestos.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-002 (8/94)","alsoProvisions":["Exclusion - Asbestos Liability"],"carrierNoticedReduction":false},{"label":"Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","source":"policy-language","citation":{"page":196,"quote":"\"Bodily injury\", \"property damage\" or \"personal and advertising injury\" 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\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-042 (04/22)","alsoProvisions":["Total Exclusion – PFC/PFAS General Liability"],"carrierNoticedReduction":false},{"label":"Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":210,"quote":"\"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of: 1. The rendering or failure to render: a. Medical, surgical, dental, x-ray or nursing service, treatment, advice or instruction, or the related furnishing of food or beverages; b. Any health or therapeutic service, treatment, advice or instruction; or c. Any service, treatment, advice or instruction for the purpose of appearance or skin enhancement, hair removal or replacement or personal grooming.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-005 (07/04)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":216,"quote":"Due to nuclear reaction, nuclear radiation or radioactive contamination or to any related act or condition.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-MANU-1","alsoProvisions":["Contractual Liability","Completed Work","Acts Or Omissions Of Insured","Workers' Compensation And Similar Laws","Pollution","Damage To Owned, Leased Or Entrusted Property","War","Nuclear Incidents Or Conditions"],"carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","source":"policy-language","citation":{"page":227,"quote":"This insurance does not apply to any injury sustained by any person arising out of or resulting from 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-006","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Special Events Exclusion - Parades","where":"endorsement","source":"policy-language","citation":{"page":228,"quote":"Parades sponsored by the Insured","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SE-001","alsoProvisions":["Special Events Exclusion - Shooting activities","Special Events Exclusion - Fireworks","Special Events Exclusion - Carnivals and fairs with mechanical rides","Special Events Exclusion - Rock, Heavy Metal, Techno, Hip-Hop or Rap concerts","Special Events Exclusion - Contact sports","Special Events Exclusion - Rodeos","Special Events Exclusion - Political Rallies","Special Events Exclusion - Events exceeding 2,500 people","Special Events Exclusion - Liquor provision"],"carrierNoticedReduction":false},{"label":"Governmental Action","where":"base-form","source":"policy-language","citation":{"page":237,"quote":"Unexplained disappearance.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":5000,"formNumber":"PI-CIM-032","alsoProvisions":["Nuclear Hazard","War and Military Action","Delay, loss of use, loss of market","Dishonest acts","Unexplained disappearance","Shortage found upon taking inventory","Processing or work upon the covered Property","Artificially generated current","Faulty materials, improper workmanship","Theft from unattended vehicle","Wear, tear, gradual deterioration","Dryness or dampness of atmosphere","Debris Removal sub-limit","Pollutant Clean-Up and Removal sub-limit","Additional Acquired Property sub-limit"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":245,"quote":"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-measurement equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":1000,"formNumber":"CA 00 01 03 10","alsoProvisions":["Contractual Liability","Workers' Compensation","Employee Indemnification And Employer's Liability","Fellow Employee","Care, Custody Or Control","Handling Of Property","Movement Of Property By Mechanical Device","Operations","Completed Operations","Pollution","War","Racing","Nuclear Hazard","War Or Military Action","Wear and tear, freezing, mechanical or electrical breakdown","Blowouts, punctures or other road damage to tires","Audio, visual or data electronic devices","Speed-measuring equipment detectors","Electronic equipment reproducing audio, visual or data signals","Electronic equipment accessories","Diminution in value","Electronic equipment sub-limit"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":255,"quote":"\"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"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 00 01 10 13","alsoProvisions":["Contractual Liability","Workers' Compensation","Employee Indemnification And Employer's Liability","Fellow Employee","Care, Custody Or Control","Handling Of Property","Movement Of Property By Mechanical Device","Operations","Completed Operations","Pollution","War","Racing"],"carrierNoticedReduction":false},{"label":"Nuclear Hazard exclusion","where":"base-form","source":"policy-language","citation":{"page":257,"quote":"6. We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":1000,"formNumber":"CA 00 01","alsoProvisions":["War Or Military Action exclusion","Racing or demolition contest exclusion","Wear and tear, freezing, mechanical or electrical breakdown exclusion","Tire exclusion","Audio, visual or data electronic devices exclusion","Speed-measuring equipment detector exclusion","Electronic equipment exclusion","Accessories for electronic equipment exclusion","Diminution in value exclusion","Electronic equipment sub-limit"],"carrierNoticedReduction":false},{"label":"Expected or intended damages exclusion","where":"base-form","source":"policy-language","citation":{"page":277,"quote":"c. \"Asbestos hazard\"; or d. \"Lead hazard\" .","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":100000,"formNumber":"PI-HS-003","alsoProvisions":["Breach of contract exclusion","Hospital, sanatorium, medical clinic exclusion","Aircraft, auto, or watercraft exclusion","Drugs or medical supplies exclusion","Psychiatrist services exclusion","Attorney, architect, engineer, accountant exclusion","Professional board or committee exclusion","Injury to insured exclusion","Workers compensation exclusion","Employment practices exclusion","Advertising injury and personal injury exclusion","Property damage exclusion","Pollution hazard exclusion","Asbestos hazard exclusion","Discrimination exclusion","Unfair competition exclusion","Inability to collect money exclusion","Personal profit exclusion","ERISA exclusion","Criminal, dishonest, fraudulent or malicious act exclusion","Claim by another insured exclusion","Managerial or administrative acts exclusion","Physical or sexual abuse exclusion","Disciplinary proceedings defense sub-limit","Accreditation board defense sub-limit","Defense within limits provision"],"carrierNoticedReduction":false},{"label":"Drugs and supplies amendment","where":"endorsement","source":"policy-language","citation":{"page":284,"quote":"5. Arising out of the prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances, except: a. as directed by a physician, physician assistant, nurse, or a psychologist as permitted under state law, and in the normal practice as a human services organization provider, b. the dispensing of the drug Naloxone (or reasonably equivalent drug) used in response to an opioid overdose as permitted by applicable state or federal law, or c. the dispensing of nonprescription drugs.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-024","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Maryland disciplinary hearing exclusion","where":"endorsement","source":"policy-language","citation":{"page":285,"quote":"There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-MD-1","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Personal participation in abusive conduct exclusion","where":"base-form","source":"policy-language","citation":{"page":290,"quote":"j. Any \"defense costs\" associated with a criminal trial including appeals;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-008","alsoProvisions":["Intentional failure to report exclusion","Intentional or criminal act exclusion","Prior abusive conduct awareness exclusion","Contractual liability exclusion","Workers compensation exclusion","Uninsurable matters exclusion","Claim by another insured exclusion","Employee and family exclusion","Criminal defense costs exclusion","Prior abusive conduct exclusion","Prior litigation or knowledge exclusion","Sexual discrimination and harassment exclusion"],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":10,"quote":"Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 75 07 06 This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Property insurance. It points out that there is no coverage under such insurance for loss or damage caused by or resulting from any virus, bacterium or other microorganism 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 75 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion - Umbrella","where":"endorsement","source":"policy-language","citation":{"page":327,"quote":"NOTICE OF REDUCTION IN COVERAGE... ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PI-CXL-132 (06/20)... This endorsement adds an exclusion to the Umbrella for claims related to the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CXL-132","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Communicable Disease Exclusion for General Liability Coverages","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"CA 25 57 10 13 – COMMUNICABLE DISEASE EXCLUSION FOR GENERAL LIABILITY COVERAGES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 25 57 10 13","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for Garage Operations – Other Than Covered Autos","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"PI-CA-030 (12/20) – COMMUNICABLE DISEASE EXCLUSION FOR GARAGE OPERATIONS – OTHER THAN COVERED AUTOS","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-030","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for General Liability Coverages – Illinois","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"PI-CA-031 IL (12/20) – COMMUNICABLE DISEASE EXCLUSION FOR GENERAL LIABILITY COVERAGES – ILLINOIS","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-031 IL","alsoProvisions":["Communicable Disease Exclusion for General Liability Coverages – Washington"],"carrierNoticedReduction":false},{"label":"Notice of Reduction in Coverage","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"NOTICE OF REDUCTION IN COVERAGE","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-AD-CDEX-NOTICE","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Directors and Officers Liability Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-004","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employers' Liability (Stop Gap) Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-006","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-007","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Subsidence Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-014","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Athletic Participants and Officials Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Trampoline Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-021","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-032","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-039","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Medical Professional Liability Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-047","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Non-Owned Watercraft Amendment","where":"endorsement","source":"policy-language","citation":{"page":49,"quote":"(2) 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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-054","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employee Benefits Liability Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-068","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","source":"policy-language","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"},"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":"Each Professional Incident Limit: $5,000,000 Aggregate Limit: $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 (Sublimit)","where":"endorsement","source":"policy-language","citation":{"page":55,"quote":"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\"","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.\"","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\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-137","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Adoption and Foster Care Operations Exclusion","where":"endorsement","source":"policy-language","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS","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":"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 - Knowing Violation of Rights of Another","Material Published with Knowledge of Falsity","Material Published Prior to Policy Period","Criminal Acts","Contractual Liability (Personal and Advertising Injury)","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","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":41},"findings":[],"reviewId":"review-mt66z2af","decisions":[],"unanswered":[],"observations":[{"id":"observation-no-checks","evidence":[],"statement":"No check was configured for this review, so nothing was asked and nothing could be found. This is not a clean result; it is an unexamined one.","packetComplete":false},{"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 for policy number PHPK2661220-013. It includes Common Policy Declarations (pages 1-2), Form Schedule – Policy (page 3), Locations Schedule (page 4), Additional Insured Schedule (pages 5-7), Fees and Surcharge Schedule (page 8), advisory notices (pages 9-11), Commercial Property Coverage Part Declarations and related schedules (pages 12-14), Commercial General Liability Coverage Part Declarations and related schedules (pages 15-18), Commercial Inland Marine Coverage Part Declarations and related schedules (pages 19-22), and Business Auto Declarations (pages 25-30), plus intervening advisory notices and regulatory notices (pages 23-24). The document covers multiple lines (property, general liability, inland marine, auto). Typed as general-liability per instructions, as a Commercial General Liability Coverage Part appears in the document. All coverage parts appear under the single policy number PHPK2661220-013.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-classifier","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf, from the classifier: The uploaded document is a packet containing multiple document types for policy PHUB902534-013: (1) the Commercial Umbrella Liability Insurance Policy Declarations (pages 1-5, form PI-CXL-002 05/19); (2) a Form Schedule – Umbrella Liability (page 6); (3) an endorsement – Exclusion: Adoption and Foster Care Operations (pages 7-8, form PI-HS-029 02/20); and (4) the Commercial Umbrella Liability Insurance Policy coverage form (pages 9-30, form PI-CXL-001 03/14). The dominant character of the packet is the declarations, so it is typed as 'declarations'. The line is 'umbrella' per the title 'Commercial Umbrella Liability Insurance Policy Declarations'. Confidence is medium because the document contains multiple distinct document types bundled together rather than a standalone declarations page.","packetComplete":false},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-citations","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: 432 of 484 figures were confirmed against the page they cite. The remaining 52 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: 171 of 173 figures were confirmed against the page they cite. The remaining 2 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-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":508,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":65513,"outputTokens":11807,"cacheReadTokens":0,"cacheWriteTokens":1961},{"model":"claude-haiku-4-5","inputTokens":20567,"outputTokens":501,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":32402,"outputTokens":3235,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":40043,"outputTokens":13973,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":26152,"outputTokens":2488,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":31151,"outputTokens":8089,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":30019,"outputTokens":6393,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":21409,"outputTokens":2044,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":8079,"outputTokens":608,"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 for policy number PHPK2661220-013. It includes Common Policy Declarations (pages 1-2), Form Schedule – Policy (page 3), Locations Schedule (page 4), Additional Insured Schedule (pages 5-7), Fees and Surcharge Schedule (page 8), advisory notices (pages 9-11), Commercial Property Coverage Part Declarations and related schedules (pages 12-14), Commercial General Liability Coverage Part Declarations and related schedules (pages 15-18), Commercial Inland Marine Coverage Part Declarations and related schedules (pages 19-22), and Business Auto Declarations (pages 25-30), plus intervening advisory notices and regulatory notices (pages 23-24). The document covers multiple lines (property, general liability, inland marine, auto). Typed as general-liability per instructions, as a Commercial General Liability Coverage Part appears in the document. All coverage parts appear under the single policy number PHPK2661220-013.","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 Chapters 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 primary commercial general liability policy (CGL form CG0001 04 13) with no attachment point and no schedule of underlying insurance. The retroactive date field on the CGL declarations page (page 15) is printed as 'NONE', indicating this is an occurrence-form policy. Defense cost treatment cannot be determined from the pages provided — the CG 00 01 base form is listed in the schedule but its text was not provided; standard CG 00 01 pays defense outside limits, but this reading cannot cite the language. No deductible or self-insured retention is printed on the CGL declarations page. The Medical Expense limit of $0 is printed as '$ 0'. The forms schedule on page 3 covers the entire policy packet; the GL-specific forms schedule is on page 16. The policy is a package (commercial property, CGL, inland marine, commercial auto, professional liability, and sexual/physical abuse coverages are all written under the same policy number). Only the CGL limits are extracted here per the task focus.","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":"Nuclear material exclusion - bodily injury and property damage","where":"endorsement","citation":{"page":72,"quote":"The insurance does not apply: A. 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","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: COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 04 07 20","carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation or Fraud","where":"endorsement","citation":{"page":77,"quote":"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":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","citation":{"page":89,"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...","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-ACL-001","carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","citation":{"page":95,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, sum, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person or organization and which is: A. Caused by alleged, actual or threatened abuse or molestation by anyone; B. The result of any \"professional incident\"; C. The result of any \"bodily injury,\" \"property damage\" or \"personal and advertising injury\"; D. Otherwise assumed as a result of any transfer to a third party of a contract or agreement to provide adoption or foster care placement services; or E. The result of providing any referral(s) to any other organization...","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-029","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion Professional Liability","where":"endorsement","citation":{"page":97,"quote":"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","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability","where":"endorsement","citation":{"page":98,"quote":"This insurance does not apply to: A. Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any loss, cost, expense, fine, penalty, act, error or omission, injury or damage, or attorney's fees 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\"...","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-PROF-003","carrierNoticedReduction":false},{"label":"Absolute Abuse or Molestation Exclusion Professional Liability","where":"endorsement","citation":{"page":100,"quote":"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","carrierNoticedReduction":false},{"label":"Property Not Covered – Electronic Data","where":"base-form","citation":{"page":104,"quote":"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 – Sub-limit","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":"Fire Department Service Charge Sub-limit","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 Sub-limit","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 Sub-limit","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":"Outdoor Property Coverage Extension Sub-limit","where":"base-form","citation":{"page":110,"quote":"The most we will pay for loss or damage under this Extension is $1,000, but not more than $250 for any one tree, shrub or plant.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Personal Effects and Property of Others Extension Sub-limit","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 Extension Sub-limit","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 Extension Sub-limit","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 Extension Sub-limit","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 Extension Sub-limit","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 Sub-limit","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":"Debris Removal Additional Amount Sub-limit","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":"Newly Acquired Or Constructed Property – Buildings Extension Sub-limit","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 Extension Sub-limit","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":"Concealment, Misrepresentation Or Fraud Condition","where":"base-form","citation":{"page":119,"quote":"This Coverage Part is void in any case of fraud by you as it relates to this Coverage Part at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Coverage Part; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Coverage Part.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 00 90","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":"California Changes – Replacement Cost","where":"endorsement","citation":{"page":122,"quote":"We will not pay on a replacement cost basis for any loss or damage until the lost or damaged property is actually repaired or replaced.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 04 49 12 05","carrierNoticedReduction":false},{"label":"Ordinance Or Law","where":"base-form","citation":{"page":124,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... 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":"We will not pay for loss or damage caused directly or indirectly by any of the following... Earthquake, including tremors and aftershocks and any earth sinking, rising or shifting related to such event; (2) 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":236,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... 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":125,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... 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":125,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... The failure of power, communication, water or other utility service supplied to the described premises, however caused","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":236,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... War, including undeclared or civil war","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":"We will not pay for loss or damage caused directly or indirectly by any of the following... Flood, surface water, waves (including tidal wave and tsunami), tides, tidal water, overflow of any body of water, or spray from any of these","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":"We will not pay for loss or damage caused directly or indirectly by any of the following... 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":"We will not pay for loss or damage caused by or resulting from any of the following... Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any","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":"We will not pay for loss or damage caused by or resulting from any of the following... 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":"Smoke, vapor or gas from agricultural smudging or industrial operations","where":"base-form","citation":{"page":126,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Smoke, vapor or gas from agricultural smudging or industrial operations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Wear and tear; Rust or other corrosion; Smog; Settling, cracking, shrinking or expansion; Nesting or infestation; Mechanical breakdown","where":"base-form","citation":{"page":126,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Wear and tear; (2) Rust or other corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself; (3) Smog; (4) Settling, cracking, shrinking or expansion; (5) Nesting or infestation, or discharge or release of waste products or secretions, by insects, birds, rodents or other animals. (6) Mechanical breakdown","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Dampness or dryness of atmosphere; Changes in or extremes of temperature; Marring or scratching","where":"base-form","citation":{"page":126,"quote":"The following causes of loss to personal property: (a) Dampness or dryness of atmosphere; (b) Changes in or extremes of temperature; or (c) Marring or scratching.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Explosion of steam boilers, steam pipes, steam engines or steam turbines","where":"base-form","citation":{"page":126,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... 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":"We will not pay for loss or damage caused by or resulting from any of the following... 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 that leaks or flows from plumbing, heating, air conditioning or other equipment caused by freezing","where":"base-form","citation":{"page":126,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... 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":127,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... 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 any property by you or anyone else to whom you have entrusted the property","where":"base-form","citation":{"page":127,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... 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":"We will not pay for loss or damage caused by or resulting from any of the following... 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":"We will not pay for loss or damage caused by or resulting from any of the following... Collapse, including any of the following conditions of property or any part of the property: (1) An abrupt falling down or caving in; (2) Loss of structural integrity, including separation of parts of the property or property in danger of falling down or caving in","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Discharge, dispersal, seepage, migration, release or escape of pollutants","where":"base-form","citation":{"page":127,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Discharge, dispersal, seepage, migration, release or escape of \"pollutants\" unless the discharge, dispersal, seepage, migration, release or escape is itself caused by any of the \"specified causes of loss\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Neglect of an insured to use all reasonable means to save and preserve property from further damage","where":"base-form","citation":{"page":127,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Weather conditions","where":"base-form","citation":{"page":127,"quote":"We will not pay for loss or damage caused by or resulting from any of the following, 3.a. through 3.c... Weather conditions. But this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in Paragraph 1. above to produce the loss or damage.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Acts or decisions of any person, group, organization or governmental body","where":"base-form","citation":{"page":127,"quote":"We will not pay for loss or damage caused by or resulting from any of the following, 3.a. through 3.c... Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Faulty, inadequate or defective planning, design, materials, maintenance","where":"base-form","citation":{"page":127,"quote":"We will not pay for loss or damage caused by or resulting from any of the following, 3.a. through 3.c... Faulty, inadequate or defective: (1) Planning, zoning, development, surveying, siting; (2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; (3) Materials used in repair, construction, renovation or remodeling; or (4) Maintenance","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Special limits on furs, jewelry, patterns, dies, molds, forms, stamps, and tickets","where":"base-form","citation":{"page":129,"quote":"The special limit shown for each category, a. through d., is the total limit for loss of or damage to all property in that category... a. $2,500 for furs, fur garments and garments trimmed with fur. b. $2,500 for jewelry, watches, watch movements, jewels, pearls, precious and semiprecious stones, bullion, gold, silver, platinum and other precious alloys or metals.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Limited Coverage For Fungus, Wet Rot, Dry Rot And Bacteria","where":"base-form","citation":{"page":131,"quote":"The coverage described under E.2. of this Limited Coverage is limited to $15,000. Regardless of the number of claims, this limit is the most we will pay for the total of all loss or damage arising out of all occurrences of \"specified causes of loss\" (other than fire or lightning) and Flood which take place in a 12-month period","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":15000,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Property In Transit","where":"base-form","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"},"subLimit":5000,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Ordinance Or Law","where":"base-form","citation":{"page":134,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... 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 09 17","carrierNoticedReduction":false},{"label":"Earth Movement","where":"base-form","citation":{"page":134,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... Earthquake, including tremors and aftershocks and any earth sinking, rising or shifting related to such event","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Governmental Action","where":"base-form","citation":{"page":236,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... Seizure or destruction of property by order of governmental authority.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","citation":{"page":135,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Utility Services","where":"base-form","citation":{"page":135,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... The failure of power, communication, water or other utility service supplied to the described premises, however caused","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"War And Military Action","where":"base-form","citation":{"page":236,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... War, including undeclared or civil war","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Water","where":"base-form","citation":{"page":135,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... Flood, surface water, waves (including tidal wave and tsunami), tides, tidal water, overflow of any body of water, or spray from any of these","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Fungus, Wet Rot, Dry Rot And Bacteria","where":"base-form","citation":{"page":136,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... 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 09 17","carrierNoticedReduction":false},{"label":"Artificially generated electrical, magnetic or electromagnetic energy","where":"base-form","citation":{"page":136,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Delay, loss of use or loss of market","where":"base-form","citation":{"page":136,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Delay, loss of use or loss of market.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Smoke, vapor or gas from agricultural smudging or industrial operations","where":"base-form","citation":{"page":136,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Smoke, vapor or gas from agricultural smudging or industrial operations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Wear and tear; Rust or other corrosion; Smog; Settling, cracking, shrinking or expansion; Nesting or infestation; Mechanical breakdown","where":"base-form","citation":{"page":136,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Wear and tear; (2) Rust or other corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself; (3) Smog; (4) Settling, cracking, shrinking or expansion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Dampness or dryness of atmosphere; Changes in or extremes of temperature; Marring or scratching","where":"base-form","citation":{"page":136,"quote":"The following causes of loss to personal property: (a) Dampness or dryness of atmosphere; (b) Changes in or extremes of temperature; or (c) Marring or scratching.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Explosion of steam boilers, steam pipes, steam engines or steam turbines","where":"base-form","citation":{"page":136,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... 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 09 17","carrierNoticedReduction":false},{"label":"Continuous or repeated seepage or leakage of water","where":"base-form","citation":{"page":136,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... 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 09 17","carrierNoticedReduction":false},{"label":"Water, other liquids, powder or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment caused by freezing","where":"base-form","citation":{"page":136,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... 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 09 17","carrierNoticedReduction":false},{"label":"Dishonest or criminal act (including theft)","where":"base-form","citation":{"page":137,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... 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 09 17","carrierNoticedReduction":false},{"label":"Voluntary parting with any property by you or anyone else to whom you have entrusted the property","where":"base-form","citation":{"page":137,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... 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 09 17","carrierNoticedReduction":false},{"label":"Rain, snow, ice or sleet to personal property in the open","where":"base-form","citation":{"page":137,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Rain, snow, ice or sleet to personal property in the open.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Collapse","where":"base-form","citation":{"page":137,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Collapse, including any of the following conditions of property or any part of the property: (1) An abrupt falling down or caving in; (2) Loss of structural integrity, including separation of parts of the property or property in danger of falling down or caving in","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Discharge, dispersal, seepage, migration, release or escape of pollutants","where":"base-form","citation":{"page":137,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Discharge, dispersal, seepage, migration, release or escape of \"pollutants\" unless the discharge, dispersal, seepage, migration, release or escape is itself caused by any of the \"specified causes of loss\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Neglect of an insured to use all reasonable means to save and preserve property from further damage","where":"base-form","citation":{"page":137,"quote":"We will not pay for loss or damage caused by or resulting from any of the following... Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Weather conditions","where":"base-form","citation":{"page":137,"quote":"We will not pay for loss or damage caused by or resulting from any of the following, 3.a. through 3.c... Weather conditions. But this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in Paragraph 1. above to produce the loss or damage.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Acts or decisions of any person, group, organization or governmental body","where":"base-form","citation":{"page":137,"quote":"We will not pay for loss or damage caused by or resulting from any of the following, 3.a. through 3.c... Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Faulty, inadequate or defective planning, design, materials, maintenance","where":"base-form","citation":{"page":137,"quote":"We will not pay for loss or damage caused by or resulting from any of the following, 3.a. through 3.c... Faulty, inadequate or defective: (1) Planning, zoning, development, surveying, siting; (2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; (3) Materials used in repair, construction, renovation or remodeling; or (4) Maintenance","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Special limits on furs, jewelry, patterns, dies, molds, forms, stamps, and tickets","where":"base-form","citation":{"page":139,"quote":"The special limit shown for each category, a. through d., is the total limit for loss of or damage to all property in that category... a. $2,500 for furs, fur garments and garments trimmed with fur. b. $2,500 for jewelry, watches, watch movements, jewels, pearls, precious and semiprecious stones, bullion, gold, silver, platinum and other precious alloys or metals.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Limited Coverage For Fungus, Wet Rot, Dry Rot And Bacteria","where":"base-form","citation":{"page":141,"quote":"The coverage described under E.2. of this Limited Coverage is limited to $15,000. Regardless of the number of claims, this limit is the most we will pay for the total of all loss or damage arising out of all occurrences of \"specified causes of loss\" (other than fire or lightning) and Flood which take place in a 12-month period","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":15000,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Property In Transit","where":"base-form","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"},"subLimit":5000,"formNumber":"CP 10 30 09 17","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":"Changes – Electronic Data","where":"endorsement","citation":{"page":145,"quote":"Covered Property does not include electronic data, except as provided below in C. , Limited Coverage – Electronic Data.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"PI-CP-002","carrierNoticedReduction":false},{"label":"Limited Coverage – Interruption Of Computer Operations","where":"endorsement","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"},"subLimit":2500,"formNumber":"PI-CP-002","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","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":"Expected Or Intended Injury","where":"base-form","citation":{"page":151,"quote":"This insurance does not apply to: \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":151,"quote":"This insurance does not apply to: \"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-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Liquor Liability","where":"base-form","citation":{"page":151,"quote":"This insurance does not apply to: \"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","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws","where":"base-form","citation":{"page":151,"quote":"This insurance does not apply to: 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":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Employer's Liability","where":"base-form","citation":{"page":151,"quote":"This insurance does not apply to: \"Bodily injury\" to: (1) An \"employee\" of the insured arising out of and in the course of: (a) Employment by the insured","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":151,"quote":"This insurance does not apply to: \"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":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Aircraft, Auto Or Watercraft","where":"base-form","citation":{"page":153,"quote":"This insurance does not apply to: \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, \"auto\" or watercraft owned or operated by or rented or loaned to any insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Mobile Equipment","where":"base-form","citation":{"page":153,"quote":"This insurance does not apply to: \"Bodily injury\" or \"property damage\" arising out of: (1) The transportation of \"mobile equipment\" by an \"auto\" owned or operated by or rented or loaned to any insured","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":153,"quote":"This insurance does not apply to: \"Bodily injury\" or \"property damage\", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Damage To Property","where":"base-form","citation":{"page":153,"quote":"This insurance does not apply to: \"Property damage\" to: (1) Property 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","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Damage To Your Product","where":"base-form","citation":{"page":154,"quote":"This insurance does not apply to: \"Property damage\" to \"your product\" arising out of it or any part of it.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Damage To Your Work","where":"base-form","citation":{"page":154,"quote":"This insurance does not apply to: \"Property damage\" to \"your work\" arising out of it or any part of it and included in the \"products-completed operations hazard\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Damage To Impaired Property Or Property Not Physically Injured","where":"base-form","citation":{"page":154,"quote":"This insurance does not apply to: \"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\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Recall Of Products, Work Or Impaired Property","where":"base-form","citation":{"page":154,"quote":"This insurance does not apply to: 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","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Personal And Advertising Injury","where":"base-form","citation":{"page":154,"quote":"This insurance does not apply to: \"Bodily injury\" arising out of \"personal and advertising injury\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Electronic Data","where":"base-form","citation":{"page":154,"quote":"This insurance does not apply to: 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-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law","where":"base-form","citation":{"page":154,"quote":"This insurance does not apply to: \"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)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Knowing Violation Of Rights Of Another","where":"base-form","citation":{"page":155,"quote":"This insurance does not apply to: \"Personal and advertising injury\" 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-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Material Published With Knowledge Of Falsity","where":"base-form","citation":{"page":155,"quote":"This insurance does not apply to: \"Personal and advertising injury\" arising out of oral or written publication, in any manner, of material, if done by or at the direction of the insured with knowledge of its falsity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Material Published Prior To Policy Period","where":"base-form","citation":{"page":155,"quote":"This insurance does not apply to: \"Personal and advertising injury\" arising out of oral or written publication, in any manner, of material whose first publication took place before the beginning of the policy period.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Criminal Acts","where":"base-form","citation":{"page":155,"quote":"This insurance does not apply to: \"Personal and advertising injury\" arising out of a criminal act committed by or at the direction of the insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Contractual Liability (PAI)","where":"base-form","citation":{"page":155,"quote":"This insurance does not apply to: \"Personal and advertising injury\" for which the insured has assumed liability in a contract or agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Breach Of Contract","where":"base-form","citation":{"page":155,"quote":"This insurance does not apply to: \"Personal and advertising injury\" arising out of a breach of contract, except an implied contract to use another's advertising idea in your \"advertisement\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Quality Or Performance Of Goods – Failure To Conform To Statements","where":"base-form","citation":{"page":155,"quote":"This insurance does not apply to: \"Personal and advertising injury\" arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your \"advertisement\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Wrong Description Of Prices","where":"base-form","citation":{"page":155,"quote":"This insurance does not apply to: \"Personal and advertising injury\" arising out of the wrong description of the price of goods, products or services stated in your \"advertisement\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Infringement Of Copyright, Patent, Trademark Or Trade Secret","where":"base-form","citation":{"page":156,"quote":"This insurance does not apply to: \"Personal and advertising injury\" arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Insureds In Media And Internet Type Businesses","where":"base-form","citation":{"page":156,"quote":"This insurance does not apply to: \"Personal and advertising injury\" committed by an insured whose business is: (1) Advertising, broadcasting, publishing or telecasting","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Electronic Chatrooms Or Bulletin Boards","where":"base-form","citation":{"page":156,"quote":"This insurance does not apply to: \"Personal and advertising injury\" arising out of an electronic chatroom or bulletin board the insured hosts, owns, or over which the insured exercises control.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Unauthorized Use Of Another's Name Or Product","where":"base-form","citation":{"page":156,"quote":"This insurance does not apply to: \"Personal and advertising injury\" arising out of the unauthorized use of another's name or product in your e-mail address, domain name or metatag, or any other similar tactics to mislead another's potential customers.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Pollution (PAI)","where":"base-form","citation":{"page":156,"quote":"This insurance does not apply to: \"Personal and advertising injury\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\" at any time.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Pollution-related","where":"base-form","citation":{"page":156,"quote":"This insurance does not apply to: Any loss, cost or expense arising out of any: (1) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"War (PAI)","where":"base-form","citation":{"page":156,"quote":"This insurance does not apply to: \"Personal and advertising injury\", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law (PAI)","where":"base-form","citation":{"page":156,"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)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Any Insured (Medical Payments)","where":"base-form","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"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Hired Person (Medical Payments)","where":"base-form","citation":{"page":157,"quote":"We will not pay expenses for \"bodily injury\": b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Injury On Normally Occupied Premises (Medical Payments)","where":"base-form","citation":{"page":157,"quote":"We will not pay expenses for \"bodily injury\": c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws (Medical Payments)","where":"base-form","citation":{"page":157,"quote":"We will not pay expenses for \"bodily injury\": d. Workers' Compensation And Similar Laws To a person, whether or not an \"employee\" of any insured, if benefits for the \"bodily injury\" are payable or must be provided under a workers' compensation or disability benefits law or a similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Athletics Activities (Medical Payments)","where":"base-form","citation":{"page":157,"quote":"We will not pay expenses for \"bodily injury\": e. Athletics Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports, or athletic contests.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Products-Completed Operations Hazard (Medical Payments)","where":"base-form","citation":{"page":157,"quote":"We will not pay expenses for \"bodily injury\": f. Products-Completed Operations Hazard Included within the \"products-completed operations hazard\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-Related Liability","where":"endorsement","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"},"subLimit":null,"formNumber":"CG 21 06 05 14","carrierNoticedReduction":false},{"label":"Communicable Disease","where":"endorsement","citation":{"page":180,"quote":"Communicable Disease \"Bodily injury\" or \"property damage\" arising out of the actual or alleged transmission of a communicable disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 32 05 09","carrierNoticedReduction":false},{"label":"Employment-Related Practices","where":"endorsement","citation":{"page":181,"quote":"\"Bodily 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 coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 47 12 07","carrierNoticedReduction":false},{"label":"Liquor Liability – Amendment with Exception for Scheduled Premises or Activities","where":"endorsement","citation":{"page":182,"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, including causing or contributing to the intoxication of any person because alcoholic beverages were permitted to be brought on your premises, for consumption on your premises; (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-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 51 04 13","carrierNoticedReduction":false},{"label":"Fungi or Bacteria","where":"endorsement","citation":{"page":183,"quote":"\"Bodily injury\" or \"property damage\" 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-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 67 12 04","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":184,"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","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000000000,"formNumber":"CG 21 70 01 15","carrierNoticedReduction":false},{"label":"Lead Liability","where":"endorsement","citation":{"page":189,"quote":"\"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" arising out of or caused by the actual or alleged: 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-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-001(8/94)","carrierNoticedReduction":false},{"label":"Lead Liability","where":"endorsement","citation":{"page":190,"quote":"\"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" arising out of or caused by the actual or alleged: 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-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-001 (09/17)","carrierNoticedReduction":false},{"label":"Asbestos Liability","where":"endorsement","citation":{"page":192,"quote":"\"Bodily injury,\" \"property damage,\" \"personal injury\" or \"advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos; 2. The use of asbestos in constructing or manufacturing any good, product or structure; 3. The removal of asbestos from any good, product or structure; or 4. The manufacture, sale, transportation, storage or disposal of asbestos or goods or products containing asbestos.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-002 (8/94)","carrierNoticedReduction":false},{"label":"Asbestos Liability","where":"endorsement","citation":{"page":193,"quote":"\"Bodily injury,\" \"property damage,\" \"personal and advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos; 2. The use of asbestos in constructing or manufacturing any good, product or structure; 3. The removal of asbestos from any good, product or structure; or 4. The manufacture, sale, transportation, storage or disposal of asbestos or goods or products containing asbestos.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-002 (09/17)","carrierNoticedReduction":false},{"label":"Asbestos Liability","where":"endorsement","citation":{"page":194,"quote":"\"Bodily injury,\" \"property damage,\" and \"personal and advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos; 2. The use of asbestos in constructing or manufacturing any good, product or structure; 3. The removal of asbestos from any good, product or structure; or 4. 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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","where":"base-form","citation":{"page":254,"quote":"\"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","where":"base-form","citation":{"page":254,"quote":"\"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","where":"base-form","citation":{"page":255,"quote":"\"Bodily injury\" or \"property damage\" arising directly or indirectly out of: a. 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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":256,"quote":"b. 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":256,"quote":"2. 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. We will also not pay for \"loss\" to any covered \"auto\" while that covered \"auto\" is being prepared for such a contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Wear and tear, freezing, mechanical or electrical breakdown exclusion","where":"base-form","citation":{"page":256,"quote":"3. We will not pay for \"loss\" due and confined to: a. Wear and tear, freezing, mechanical or electrical breakdown.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Tire exclusion","where":"base-form","citation":{"page":256,"quote":"b. Blowouts, punctures or other road damage to tires. This exclusion does not apply to such \"loss\" resulting from the total theft of a covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Audio, visual or data electronic devices exclusion","where":"base-form","citation":{"page":256,"quote":"4. 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 equipment detector exclusion","where":"base-form","citation":{"page":256,"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":256,"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":"Accessories for electronic equipment exclusion","where":"base-form","citation":{"page":256,"quote":"d. Any accessories used with the electronic equipment described in Paragraph c. above.","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":"6. 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":"Electronic equipment sub-limit","where":"base-form","citation":{"page":257,"quote":"b. 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":"Expected or intended damages exclusion","where":"base-form","citation":{"page":275,"quote":"1. 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":"2. For any actual or alleged breach of contract or agreement. This exclusion does not apply to liability for \"damages\" that the insured would have in the absence of the contract or agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Hospital, sanatorium, medical clinic exclusion","where":"base-form","citation":{"page":275,"quote":"3. Arising out of the operation of any hospital, sanatorium, \" medical clinic \" , or any other medical facility or laboratory.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Aircraft, auto, or watercraft exclusion","where":"base-form","citation":{"page":275,"quote":"4. Arising out of the ownership, maintenance, use or entrustment to others of any aircraft, \"auto\" , or watercraft owned or operated by or rented or loaned to any insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Drugs or medical supplies exclusion","where":"base-form","citation":{"page":275,"quote":"5. Arising out of the prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances, except as directed by a physician, physician assistant, nurse, or a psychologist as permitted under state law, and in the normal practice as a human services organization provider.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Psychiatrist services exclusion","where":"base-form","citation":{"page":275,"quote":"6. Arising out of the professional services of any psychiatrist. 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":"Attorney, architect, engineer, accountant exclusion","where":"base-form","citation":{"page":275,"quote":"7. 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,","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":"8. 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":"9. 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 exclusion","where":"base-form","citation":{"page":276,"quote":"10. 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 practices exclusion","where":"base-form","citation":{"page":276,"quote":"11. Arising out of any claim made by: a. A person because of any: (1) Refusal to employ that person; (2) Termination of that person's employment; or (3) Employment-related practices, policies, acts or omissions","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Advertising injury and personal injury exclusion","where":"base-form","citation":{"page":276,"quote":"12. Arising out of \"advertising injury\" or \" personal injury\" . However, this exclusion does not apply to \"personal injury\" when the offense is directly resulting from a \"professional incident\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Property damage exclusion","where":"base-form","citation":{"page":276,"quote":"13. Arising out of damage to property: a. Owned, occupied or used by any insured; b. Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by any insured","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Pollution hazard exclusion","where":"base-form","citation":{"page":276,"quote":"14. Arising out of any: a. \"Pollution hazard\"; b. \"Nuclear hazard\";","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Asbestos hazard exclusion","where":"base-form","citation":{"page":277,"quote":"c. \"Asbestos hazard\"; or d. \"Lead hazard\" .","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Discrimination exclusion","where":"base-form","citation":{"page":277,"quote":"15. Arising out of actual or alleged discrimination.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Unfair competition exclusion","where":"base-form","citation":{"page":277,"quote":"16. Arising out of unfair competition or violation of any anti-trust laws.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Inability to collect money exclusion","where":"base-form","citation":{"page":277,"quote":"17. Arising out of the inability or failure of the insured or others to collect or pay money.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Personal profit exclusion","where":"base-form","citation":{"page":277,"quote":"18. Arising out of an insured gaining any personal profit or advantage to which they are not legally entitled.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"ERISA exclusion","where":"base-form","citation":{"page":277,"quote":"19. Arising out of liability under the Employment Retirement Income Security Act of 1974 and any amendments to that law, or any similar federal or state law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Criminal, dishonest, fraudulent or malicious act exclusion","where":"base-form","citation":{"page":277,"quote":"20. Arising out of any criminal, dishonest, fraudulent or malicious act or omission.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Claim by another insured exclusion","where":"base-form","citation":{"page":277,"quote":"21. Arising out of any claim made or \"suit\" brought against an insured by another insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Managerial or administrative acts exclusion","where":"base-form","citation":{"page":277,"quote":"22. Arising out of acts, errors or omissions of a managerial or administrative nature.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Physical or sexual abuse exclusion","where":"base-form","citation":{"page":277,"quote":"23. Arising out of: a. The actual or threatened physical or sexual abuse or molestation by anyone of any person while in the care, custody or control of any insured","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Disciplinary proceedings defense sub-limit","where":"base-form","citation":{"page":277,"quote":"B. 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 arisi ng out of a \" professional i ncident\" 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":"Accreditation board defense sub-limit","where":"base-form","citation":{"page":277,"quote":"C. We will reimburse you for reasonable legal services charged by a lawyer we agree to and other expenses you may incur arising out of any act or omission in the furnishing or failure to furnish services as a formal accreditation, standards review or similar board. This Coverage is limited to $100,000 per incident.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Defense within limits provision","where":"base-form","citation":{"page":275,"quote":"Our right and duty to defend ends when we have used up our applicable limit of insurance in the payment of judgments or settlements.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Drugs and supplies amendment","where":"endorsement","citation":{"page":284,"quote":"5. Arising out of the prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances, except: a. as directed by a physician, physician assistant, nurse, or a psychologist as permitted under state law, and in the normal practice as a human services organization provider, b. the dispensing of the drug Naloxone (or reasonably equivalent drug) used in response to an opioid overdose as permitted by applicable state or federal law, or c. the dispensing of nonprescription drugs.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-024","carrierNoticedReduction":false},{"label":"Maryland disciplinary hearing exclusion","where":"endorsement","citation":{"page":285,"quote":"There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-MD-1","carrierNoticedReduction":false},{"label":"Personal participation in abusive conduct exclusion","where":"base-form","citation":{"page":289,"quote":"a. Any \"claim\" or \"suit\" against any person who personally takes part in any \"abusive conduct\";","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Intentional failure to report exclusion","where":"base-form","citation":{"page":289,"quote":"b. Any \"claim\" or \"suit\" against any person who intentionally fails to report \"abusive conduct\" committed by an \"employee,\" \"volunteer worker\" or any other person for whom any insured is legally responsible;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Intentional or criminal act exclusion","where":"base-form","citation":{"page":289,"quote":"c. Any \"claim\" or \"suit\" against any person who commits an intentional or criminal act;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Prior abusive conduct awareness exclusion","where":"base-form","citation":{"page":289,"quote":"d. Any \"claim\" or \"suit\" against any \"employee,\" \"volunteer worker\" or any other person for whom any insured is or ever was legally responsible if at the time of this policy's inception any insured was aware of actual or alleged \"abusive conduct\" by such person;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Contractual liability exclusion","where":"base-form","citation":{"page":289,"quote":"e. Liability assumed by the insured under any contract or agreement;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Workers compensation exclusion","where":"base-form","citation":{"page":289,"quote":"f. Any obligation for which an insured, or any insurance carrier of the insured, may be held liable 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-SAM-008","carrierNoticedReduction":false},{"label":"Uninsurable matters exclusion","where":"base-form","citation":{"page":289,"quote":"g. Any \"claim\" or \"suit\" arising out of matters which may be deemed uninsurable;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Claim by another insured exclusion","where":"base-form","citation":{"page":289,"quote":"h. Any \"claim\" made against an insured by another insured except a \"claim\" made by an insured who is an \"employee\" or \"volunteer worker,\" subject to Exclusion i. below;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Employee and family exclusion","where":"base-form","citation":{"page":289,"quote":"i. Any \"claim\" made by or on behalf of: (1) Your \"employee\" or \"volunteer worker\"; (2) The spouse, child, parent, brother or sister of an \"employee\" or \"volunteer worker\" as a consequence of \"abusive conduct\" to that person; or (3) Any applicants for employment or former \"employees\" or \"volunteer workers.\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Criminal defense costs exclusion","where":"base-form","citation":{"page":290,"quote":"j. Any \"defense costs\" associated with a criminal trial including appeals;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Prior abusive conduct exclusion","where":"base-form","citation":{"page":290,"quote":"k. \"Abusive conduct\" that predates the inception of this policy notwithstanding that such \"abusive conduct\" may continue into this policy period;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Prior litigation or knowledge exclusion","where":"base-form","citation":{"page":290,"quote":"l. Any \"claim\" arising out of, based upon or attributable to: (1) Any litigation or demand against an insured pending on or before the inception of this policy","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Sexual discrimination and harassment exclusion","where":"base-form","citation":{"page":290,"quote":"m. Any \"claim\" or \"suit\" arising out of sexual discrimination and/or sexual harassment, whether asserted under any federal or state statute or the common or civil law of any jurisdiction.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","citation":{"page":9,"quote":"Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 40 07 06 This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Property insurance. It points out that there is no coverage under such insurance for loss or damage caused by or resulting from any virus, bacterium or other microorganism 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":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","citation":{"page":10,"quote":"Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 75 07 06 This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Property insurance. It points out that there is no coverage under such insurance for loss or damage caused by or resulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 01 75 07 06","carrierNoticedReduction":false},{"label":"Mold Exclusion","where":"endorsement","citation":{"page":13,"quote":"PI-CP-001 1001 Mold Exclusion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CP-001","carrierNoticedReduction":false},{"label":"Mismatch Exclusion","where":"endorsement","citation":{"page":11,"quote":"PI-CP-123 (07/24) – MISMATCH EXCLUSION The Mismatch Exclusion adds an exclusion for mismatch of color or materials between undamaged roof or siding material and new roof or siding material used to repair or replace damaged 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":11,"quote":"PI-CP-124 (07/24) – EXISTING DAMAGE EXCLUSION The Existing Damage Exclusion adds an exclusion for damages occurring prior to the inception date of the policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CP-124","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability","where":"endorsement","citation":{"page":325,"quote":"NOTICE OF REDUCTION IN COVERAGE... TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY– PI-PROF-003 (02/24)... This exclusion excludes coverage for liability arising out of, in any way related to, or would not have occurred in whole or in part for the actual or alleged exposure to Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS).","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-PROF-003","carrierNoticedReduction":true},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","citation":{"page":326,"quote":"EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ENDORSEMENT – CP 01 40 07 06... This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Property or Ultimate Cover insurance. It points out that there is no coverage under such insurance for loss or damage caused by or resulting from any virus, bacterium or other microorganism 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":"Communicable Disease Exclusion","where":"endorsement","citation":{"page":326,"quote":"NOTICE OF REDUCTION IN COVERAGE... COMMUNICABLE DISEASE EXCLUSION ENDORSEMENT – CG 21 32 05 09... This endorsement excludes coverage for liability arising out of the actual or alleged transmission of a communicable disease which includes but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 32 05 09","carrierNoticedReduction":true},{"label":"Absolute Communicable Disease Exclusion - Professional Liability","where":"endorsement","citation":{"page":326,"quote":"NOTICE OF REDUCTION IN COVERAGE... ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PI-PROF-002 (06/20)... 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Confidence is medium because the document contains multiple distinct document types bundled together rather than a standalone declarations page.","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":"Attachment point: the declarations page does not print a single explicit attachment point figure; the underlying CGL schedule shows Each Occurrence of $1,000,000 and General Aggregate of $3,000,000 for the CGL line (PHPK2661220-013), which represents the highest per-occurrence underlying limit. The retained limit of $10,000 printed on the declarations is labeled 'RETAINED LIMIT' rather than deductible or SIR; it is recorded in selfInsuredRetention. The Employers' Liability section of the Schedule of Underlying Insurance (page 3) is blank — no carrier, policy number, or limits are filled in. Employee Benefits Liability, Abusive Conduct Liability, Directors & Officers Liability, Liquor Liability (page 4), Watercraft Liability, and Other Coverages (page 5) sections are all blank. Only CGL, Commercial Auto, and Professional Liability underlying lines carry data. The form basis is occurrence as indicated by the CGL underlying schedule (Occurrence box checked, page 3) and the policy language. The endorsement PI-CXL-113 is titled 'Per Location / Per Project Agg Limit Of Ins Exclusion' — this appears to exclude rather than grant per-project aggregate, so perProjectAggregate is omitted. Endorsement PI-HS-029 (Adoption and Foster Care Operations Exclusion) appears in the document packet but is not listed on the Form Schedule (page 6); it is not added to the formsSchedule per instructions.","limits":{"eachOccurrence":{"value":5000000,"citation":{"page":1,"quote":"EACH OCCURRENCE LIMIT\n(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\nrespect 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.\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"},"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":"(2) 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":"Each Professional Incident Limit: $5,000,000 Aggregate Limit: $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 (Sublimit)","where":"endorsement","citation":{"page":55,"quote":"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\"","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.\"","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\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-137","carrierNoticedReduction":false},{"label":"Adoption and Foster Care Operations Exclusion","where":"endorsement","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS","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":"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":"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":"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":"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.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":"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":"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":"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 - Knowing Violation of Rights of Another","where":"base-form","citation":{"page":14,"quote":"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":"Material Published with Knowledge of Falsity","where":"base-form","citation":{"page":14,"quote":"Material Published with Knowledge of Falsity Arising out of oral or written publication of material, if done by or at the direction of the insured with knowledge of its falsity.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Material Published Prior to Policy Period","where":"base-form","citation":{"page":14,"quote":"Material Published Prior to Policy Period Arising out of oral or written publication of material whose first publication took place before the beginning of the policy period.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Criminal Acts","where":"base-form","citation":{"page":15,"quote":"Criminal Acts Arising out of a criminal act committed by or at the direction of the insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Contractual Liability (Personal and Advertising Injury)","where":"base-form","citation":{"page":15,"quote":"Contractual Liability For which the insured has assumed liability in a contract or agreement.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Breach of Contract","where":"base-form","citation":{"page":15,"quote":"Breach of Contract Arising out of a breach of contract, except an implied contract to use another's advertising idea in your \"advertisement.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Quality or Performance of Goods – Failure to Conform to Statements","where":"base-form","citation":{"page":15,"quote":"Quality or Performance of Goods – Failure to Conform to Statements Arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your \"advertisement.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Wrong Description of Prices","where":"base-form","citation":{"page":15,"quote":"Wrong Description of Prices Arising out of the wrong description of the price of goods, products or services stated in your \"advertisement.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Infringement of Copyright, Patent, Trademark or Trade Secret","where":"base-form","citation":{"page":15,"quote":"Infringement of Copyright, Patent, Trademark or Trade Secret Arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Insureds in Media and Internet Type Businesses","where":"base-form","citation":{"page":15,"quote":"Insureds in Media and Internet Type Businesses Committed by an insured whose business is: (a) Advertising, broadcasting, publishing or telecasting; (b) Designing or determining content of websites for others; or (c) An internet search, access, content or service 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