{"id":"review-mt676pp9","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","pagesSwept":299,"pagesTotal":329,"pagesInFull":30},{"documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534","pagesSwept":54,"pagesTotal":84,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted."],"unsatisfied":[],"expectations":[{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"documentsRead":["vva-gl-package_philadelphia-indemnity_PHPK2661220","vva-umbrella_philadelphia-indemnity_PHUB902534"]},"answers":[{"state":"pass","message":"The tower is continuous. Each layer begins paying where the one beneath it is exhausted.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"pass","message":"Every policy named in an underlying schedule is present in the document set.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"pass","message":"Every policy in the document set names the same insured.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"pass","message":"All layers run concurrently, so the tower is the same on every day of the term.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"cannot-determine","message":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"fail","message":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"fail","message":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"role":"primary","limit":1000000,"carrier":"Philadelphia Indemnity Insurance Company","sources":{"limit":{"page":15,"quote":"$ 1,000,000 Each Occurrence Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"carrier":{"page":1,"quote":"Philadelphia Indemnity Insurance Company\nA Stock Company (Nonparticipating)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyNumber":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"generalAggregate":{"page":15,"quote":"$ 3,000,000 General Aggregate Limit (Other Than Products – Completed Operations)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"productsCompletedOpsAggregate":{"page":15,"quote":"$ 3,000,000 Products/Completed Operations Aggregate Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","effective":"2025-03-01","formBasis":"occurrence","deductible":null,"expiration":"2026-03-01","formNumbers":["BJP-190-1","IL N 143","IL N 177","PI-FEES-NOTICE 1","PI-NOTICE-MD-CLM 1","PP2020","CPD-PIIC-CW","PI-LOC-SCH","PI-AI-SCH","PI-FEE-SCH","PI-BELL-1","PI-CME-1","PI-MANU-1","IL0017","IL0021","IL0102","IL0104","IL0110","IL0115","IL0207","IL0251","IL0270","IL0952","PI-ACL-001","PI-ARB-1 NV","PI-CANXAICH-002","PI-CLD-CU NV","PI-HS-029","PI-PROF-002","PI-PROF-003","PI-SAM-018","PI-TER-DN1","GEN LIAB DEC","GEN LIAB SCHEDULE","CG0001","CG0201","CG2002","CG2005","CG2011","CG2026","CG2106","CG2132","CG2147","CG2151","CG2167","CG2170","CG2402","CG2404","CG2673","CG3234","PI-GL-001","PI-GL-001","PI-GL-002","PI-GL-002","PI-GL-002 CA","PI-GL-005","PI-GL-042","PI-GLD-HS","PI-HS-005","PI-MANU-1","PI-SAM-006","PI-SE-001"],"namedInsured":"Vietnam Veterans of America Inc\nChapters and State Councils","policyNumber":"PHPK2661220-013","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":"NONE","aggregateErosion":null,"generalAggregate":3000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":1000000,"productsCompletedOpsAggregate":3000000},{"role":"umbrella","limit":5000000,"carrier":"Philadelphia Indemnity Insurance Company","sources":{"limit":{"page":1,"quote":"EACH OCCURRENCE LIMIT (LIABILITY COVERAGE) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"carrier":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"attachmentPoint":{"page":3,"quote":"Each Occurrence $ 1,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"generalAggregate":{"page":1,"quote":"GENERAL AGGREGATE LIMIT (LIABILITY COVERAGE) (except with respect to Auto Liability and Products Completed Operations) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"selfInsuredRetention":{"page":1,"quote":"RETAINED LIMIT: $ 10,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"productsCompletedOpsAggregate":{"page":1,"quote":"PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"}},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","effective":"2025-03-01","formBasis":"occurrence","deductible":null,"expiration":"2026-03-01","formNumbers":["PI-CXL-002","PI-CXL-001","PI-CXL-004","PI-CXL-006","PI-CXL-007","PI-CXL-014","PI-CXL-015","PI-CXL-021","PI-CXL-029","PI-CXL-032","PI-CXL-039","PI-CXL-041","PI-CXL-047","PI-CXL-054","PI-CXL-068","PI-CXL-075","PI-CXL-085","PI-CXL-088","PI-CXL-092","PI-CXL-099","PI-CXL-100","PI-CXL-111","PI-CXL-113","PI-CXL-117","PI-CXL-132","PI-CXL-137","PI-CXL-MD 1","PI-CXL-MD 2","PI-UMTER-DN"],"namedInsured":"Vietnam Veterans of America Inc. Chapters and State Councils","policyNumber":"PHUB902534-013","scheduledOnly":false,"attachmentPoint":1000000,"exhaustionPoint":6000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":10000,"personalAdvertisingInjury":5000000,"productsCompletedOpsAggregate":5000000}],"totalLimit":6000000,"towerIssues":[],"restrictions":[{"label":"Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2106","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2106","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2147","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2147","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi Or Bacteria Exclusion","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2167","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2167","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 00 21 09 08","alsoProvisions":["Nuclear material exclusion - bodily injury and property damage","Nuclear facility exclusion"],"carrierNoticedReduction":false},{"label":"California Changes - Actual Cash Value","where":"endorsement","source":"policy-language","citation":{"page":74,"quote":"CALIFORNIA CHANGES – ACTUAL CASH VALUE This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 02 02 20","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"California Changes - Concealment, Misrepresentation or Fraud condition for fire losses","where":"endorsement","source":"policy-language","citation":{"page":75,"quote":"B. The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with respect to loss (\"loss\") or damage caused by fire: We do not provide coverage to the insured (\"insured\") who, whether before or after a loss (\"loss\"), has committed fraud","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 04 07 20","alsoProvisions":["California Changes - Concealment, Misrepresentation or Fraud condition for non-fire losses"],"carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","source":"policy-language","citation":{"page":89,"quote":"ABSOLUTE CYBER LIABILITY AND ELECTRONIC EXCLUSION The following exclusion applies to all coverages afforded under this policy: This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information, 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-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-ACL-001","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nevada Changes - Concealment, Misrepresentation or Fraud","where":"endorsement","source":"policy-language","citation":{"page":77,"quote":"CONCEALMENT, MISREPRESENTATION OR FRAUD Condition is replaced by the following: CONCEALMENT, MISREPRESENTATION OR FRAUD We will not pay for any loss (\"loss\") or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. Fraud; committed by an insured (\"insured\") at any time and relating to a claim under this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 10 09 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion - Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":327,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PI-PROF-002 (06/20)... This endorsement excludes coverage f or prof essional 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":false},{"label":"Total Exclusion - Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) - Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":325,"quote":"ADVISORY NOTICE TO POLICYHOLDERS PROFESSIONAL LIABILITY COVERAGE 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 f or the actual or alleged exposure to Perf luorinated 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":["Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability"],"carrierNoticedReduction":true},{"label":"Absolute Abuse or Molestation Exclusion - Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":100,"quote":"ABSOLUTE ABUSE OR MOLESTATION EXCLUSION PROFESSIONAL LIABILITY The following exclusion applies to all professional liability coverages afforded in any coverage form or endorsement issued by us. When the applicable professional liability coverage: A. Contains an abuse or molestation exclusion, it is deleted in its entirety and replaced with the following; or B. Does not contain an abuse or molestation exclusion, the following is added: This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person caused by the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-018","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion - Adoption and Foster Care Operations","where":"endorsement","source":"policy-language","citation":{"page":95,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS I. The following exclusion applies to all coverages afforded in any Coverage Part, Coverage Form or endorsement issued by us, if you are engaged in any \"adoption or foster care services\" unless: A. You have disclosed such services in your application for coverage; and B. We have agreed to provide coverage for such services. Even if the Conditions in A. and B . above are met, under no circumstances is there coverage for any individual (or any entity formed by such individual) who is acting as a foster parent or providing temporary housing or supplemental care to a foster child, unless that individual is your \"employee\" while acting within the scope of their employment by you. II. EXCLUSION 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","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-029","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":88,"quote":"CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART STANDARD PROPERTY POLICY A. Cap On Certified Terrorism Losses \"Certified act of terrorism\" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a \"certified act of terrorism\" include the following: 1. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and 2. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 09 52 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Property Not Covered - Electronic Data","where":"base-form","source":"policy-language","citation":{"page":114,"quote":"b. Vacancy Provisions If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you have protected the system against freezing; (c) Building glass breakage; (d) Water damage; (e) Theft; or (f) Attempted theft. (2) With respect to Covered Causes of Loss other than those listed in b.(1)(a) through b.(1)(f) above, we will reduce the amount we would otherwise pay for the loss or damage by 15%.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":2500,"formNumber":"CP 00 10","alsoProvisions":["Vacancy Condition - Coverage Limitations","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 - Sub-limit","Personal Effects and Property of Others - Sub-limit","Valuable Papers and Records - Sub-limit","Property Off-premises - Sub-limit","Non-owned Detached Trailers - Sub-limit","Business Personal Property Temporarily in Portable Storage Units - Sub-limit","Outdoor Signs - Sub-limit","Newly Acquired or Constructed Property - Building Sub-limit","Newly Acquired or Constructed Property - Business Personal Property Sub-limit","Debris Removal Additional Coverage - Sub-limit"],"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 Exclusion","where":"endorsement","source":"policy-language","citation":{"page":326,"quote":"COMMUNICABLE DISEASE EXCLUSION ENDORSEMENT – CG 21 32 05 09... This endorsement excludes coverage for liability arising out of the actual or alleged t ransmis sion 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":[],"carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","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":"Amendment of Liquor Liability Exclusion – 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 Exclusion","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":"Exclusion - Lead Liability","where":"endorsement","source":"policy-language","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"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-001","alsoProvisions":["Lead Liability Exclusion"],"carrierNoticedReduction":false},{"label":"Exclusion - Asbestos Liability","where":"endorsement","source":"policy-language","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"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-002","alsoProvisions":["Asbestos Liability Exclusion"],"carrierNoticedReduction":false},{"label":"Total Exclusion – 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\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-042","alsoProvisions":["Total Exclusion – PFC/PFAS General Liability"],"carrierNoticedReduction":false},{"label":"Exclusion Professional Liability Coverage","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","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Damage to Premises Rented to You - Sub-limit","where":"endorsement","source":"policy-language","citation":{"page":200,"quote":"The Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of \"property damage\" to any one premises, while rented to you, or in the case of damage by fire, lightning, explosion, smoke, or leakage from automatic fire protective systems while rented to you or temporarily occupied by you with permission of the owner. 3. The Damage To Premises Rented to You Limit section of the Declarations is amended to the greater of: a. $1,000,000; or b. The amount shown in the Declarations as the Damage to Premises Rented to You Limit.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":1000000,"formNumber":"PI-GLD-HS","alsoProvisions":[],"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 – Parades sponsored by the Insured exclusion","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 – Shooting activities exclusion","Special Events – Fireworks exclusion","Special Events – Carnivals and fairs with mechanical rides sponsored by the Insured exclusion","Special Events – Rock, Heavy Metal, Techno, Hip-Hop or Rap concerts exclusion","Special Events – Events including contact sports exclusion","Special Events – Rodeos sponsored by the Insured exclusion","Special Events – Political Rallies exclusion","Special Events – Any event with greater than 2,500 people at any one time exclusion","Special Events – Any event with liquor provided by the Insured if a license is required exclusion"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury exclusion","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 exclusion","Completed Work exclusion","Acts Or Omissions Of Insured exclusion","Workers' Compensation and Similar Laws exclusion","Pollution exclusion","Damage To Owned, Leased Or Entrusted Property exclusion","War exclusion","Completed Work exclusion – Coverage B","Acts Or Omissions Of Insured exclusion – Coverage B","Nuclear Incidents Or Conditions exclusion","Pollution exclusion – Coverage B"],"carrierNoticedReduction":false},{"label":"Pollutant Clean-Up and Removal sub-limit","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":10000,"formNumber":"PI-CIM-032","alsoProvisions":["Debris Removal coverage extension sub-limit","Additional Acquired Property coverage extension sub-limit","Governmental Action exclusion","Nuclear Hazard exclusion – Inland Marine","War and Military Action exclusion – Inland Marine","Delay, loss of use, loss or market, or any other consequential loss exclusion","Dishonest acts exclusion","Unexplained disappearance exclusion","Shortage found upon taking inventory exclusion","Processing or work upon the covered Property exclusion","Artificially generated current exclusion","Faulty materials, improper workmanship, errors in design or specifications exclusion","Theft from any unattended vehicle exclusion","Wear, tear, gradual deterioration exclusion","Dryness or dampness of atmosphere exclusion"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury exclusion – CA 00 01","where":"base-form","source":"policy-language","citation":{"page":257,"quote":"We will not pay for \"loss\" to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment. 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. c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals. d. Any accessories used with the electronic equipment described in Paragraph c. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":2000,"formNumber":"CA 00 01","alsoProvisions":["Contractual Liability exclusion – CA 00 01","Workers' Compensation exclusion – CA 00 01","Employee Indemnification And Employer's Liability exclusion","Fellow Employee exclusion","Care, Custody Or Control exclusion","Handling Of Property exclusion","Movement Of Property By Mechanical Device exclusion","Operations exclusion","Completed Operations exclusion","Pollution exclusion – CA 00 01","War exclusion – CA 00 01","Racing exclusion","Supplementary Payments – Bail bonds sub-limit","Supplementary Payments – Earnings loss sub-limit","Transportation Expenses sub-limit","Loss Of Use Expenses For Hired Auto sub-limit","Nuclear Hazard exclusion – CA 00 01 Physical Damage","War Or Military Action exclusion – CA 00 01 Physical Damage","Racing exclusion – CA 00 01 Physical Damage","Wear and tear, freezing, mechanical or electrical breakdown exclusion","Blowouts, punctures or other road damage to tires exclusion","Electronic equipment exclusion – audio, visual or data","Electronic equipment sub-limit","Diminution in value exclusion","Electronic equipment limitation – audio, visual, data equipment","Nuclear hazard exclusion","War or military action exclusion","Racing and demolition contest exclusion","Wear and tear, mechanical or electrical breakdown exclusion","Tire damage exclusion"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury exclusion – CA 00 01 10 13","where":"base-form","source":"policy-language","citation":{"page":255,"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"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":2000,"formNumber":"CA 00 01 10 13","alsoProvisions":["Contractual Liability exclusion – CA 00 01 10 13","Workers' Compensation exclusion – CA 00 01 10 13","Employee Indemnification And Employer's Liability exclusion – CA 00 01 10 13","Fellow Employee exclusion – CA 00 01 10 13","Care, Custody Or Control exclusion – CA 00 01 10 13","Handling Of Property exclusion – CA 00 01 10 13","Movement Of Property By Mechanical Device exclusion – CA 00 01 10 13","Operations exclusion – CA 00 01 10 13","Completed Operations exclusion – CA 00 01 10 13","Pollution exclusion – CA 00 01 10 13","War exclusion – CA 00 01 10 13","Racing exclusion – CA 00 01 10 13","Supplementary Payments – Bail bonds sub-limit – CA 00 01 10 13","Supplementary Payments – Earnings loss sub-limit – CA 00 01 10 13"],"carrierNoticedReduction":false},{"label":"Maryland changes – collision coverage in Mexico","where":"endorsement","source":"policy-language","citation":{"page":263,"quote":"For a covered \"auto\" licensed or principally garaged in Maryland, this endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. Physical Damage Coverage is changed as follows: Coverage for a \"loss\" caused by collision or overturn of a covered \"auto\" \"you\" own applies while the \"auto\" is in Mexico. However: A. The \"loss\" will be paid for in the United States. B. The most \"we\" will pay for \"loss\" is the lesser of the following amounts: 1. The cost of repairing the \"auto\" or replacing its parts in Mexico; or 2. The cost of repair or replacement at the nearest point in the United States where repair or replacement could be made.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"California changes – other insurance conditions","where":"endorsement","source":"policy-language","citation":{"page":264,"quote":"B. The following are added to the Other Insurance Condition in the Business Auto and Garage Coverage Forms and the Other Insurance – Primary And Excess Insurance Provisions in the Motor Carrier and Truckers Coverage Forms and supersede any provisions to the contrary","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 43","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Maryland changes – fellow employee exclusion modification","where":"endorsement","source":"policy-language","citation":{"page":266,"quote":"1. The Fellow Employee Exclusion is replaced by the following: Fellow Employee \"Bodily injury\" to: a. Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment or while performing duties related to the conduct of your business; or b. The spouse, child, parent, brother or sister of that fellow \"employee\" as a consequence of Paragraph a. above. However, this exclusion does not apply for coverage up to the minimum limit specified by the Maryland Vehicle Law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 70","alsoProvisions":["Maryland changes – racing exclusion modification","Maryland changes – diminution in value exclusion removal"],"carrierNoticedReduction":false},{"label":"Human services organization – expected or intended damages exclusion","where":"base-form","source":"policy-language","citation":{"page":277,"quote":"15. Arising out of actual or alleged discrimination.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-003","alsoProvisions":["Human services organization – breach of contract exclusion","Human services organization – hospital or medical facility exclusion","Human services organization – aircraft, auto, watercraft exclusion","Human services organization – drugs and medical supplies exclusion","Human services organization – psychiatrist services exclusion","Human services organization – professional services exclusion","Human services organization – accreditation board exclusion","Human services organization – injury to insured exclusion","Human services organization – workers compensation exclusion","Human services organization – employment-related practices exclusion","Human services organization – advertising injury and personal injury exclusion","Human services organization – property damage exclusion","Human services organization – pollution, nuclear, asbestos, lead hazard exclusion","Human services organization – discrimination exclusion","Human services organization – unfair competition exclusion","Human services organization – inability to collect money exclusion","Human services organization – personal profit exclusion","Human services organization – ERISA exclusion","Human services organization – criminal, dishonest, fraudulent act exclusion","Human services organization – insured versus insured exclusion","Human services organization – managerial or administrative acts exclusion","Human services organization – physical or sexual abuse exclusion"],"carrierNoticedReduction":false},{"label":"Human services organization – disciplinary hearing defense exclusion","where":"endorsement","source":"policy-language","citation":{"page":285,"quote":"1. SECTION I – COVERAGE , A. Insuring Agreement is amended to include the following provision which supersedes anything to the contrary: 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":"Abusive conduct – 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":["Abusive conduct – intentional failure to report exclusion","Abusive conduct – intentional or criminal act exclusion","Abusive conduct – prior awareness exclusion","Abusive conduct – contractual liability exclusion","Abusive conduct – workers compensation exclusion","Abusive conduct – uninsurable matters exclusion","Abusive conduct – insured versus insured exclusion","Abusive conduct – employee and volunteer worker claim exclusion","Abusive conduct – criminal trial defense costs exclusion","Abusive conduct – pre-inception abusive conduct exclusion","Abusive conduct – prior litigation or notice exclusion","Abusive conduct – sexual discrimination and harassment exclusion"],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":9,"quote":"EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ADVISORY NOTICE TO POLICYHOLDERS... This Notice provides information concerning the following new endorsement, which applies to your new or re- newal policy being issued by us: 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 Prop- erty insurance. It points out that there is no coverage under such insurance for loss or damage caused by or re- sulting 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":"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 ADVISORY NOTICE TO POLICYHOLDERS... This Notice provides information concerning the following new endorsement, which applies to your new or re- newal policy being issued by us: 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 Prop- erty insurance. It points out that there is no coverage under such insurance for loss or damage caused by or re- sulting 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":"Mismatch Exclusion","where":"endorsement","source":"policy-language","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"},"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":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"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-124","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Mold Exclusion","where":"endorsement","source":"policy-language","citation":{"page":13,"quote":"PI-CP-001 1001 Mold Exclusion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-001","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"base-form","source":"policy-language","citation":{"page":13,"quote":"CP0140 0706 Exclusion Of Loss Due To Virus Or Bacteria","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP0140","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","source":"policy-language","citation":{"page":16,"quote":"CG2673 1204 Fungi or Bacteria Exclusion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2673","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for General Liability Coverages","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"NOTICE OF REDUCTION IN COVERAGE\n\nYour policy is being renewed with one of the following endorsements:\n\nCA 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":true},{"label":"Communicable Disease Exclusion for Garage Operations","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":true},{"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":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":"Employee Benefits Liability Follow Form Endorsement","where":"endorsement","source":"policy-language","citation":{"page":44,"quote":"However, the coverage provided under this policy will not be broader than that provided by the applicable \"underlying insurance.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-029","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":"General Liability Follow Form Endorsement","where":"endorsement","source":"policy-language","citation":{"page":47,"quote":"However, the coverage provided under this policy will not be broader than that provided by the applicable \"underlying insurance.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-041","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: $______________ Aggregate Limit: $______________","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: $______________","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.\" 2. The abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects of, \"silica\" or \"silica-related dust,\" by any insured or by any other person or entity.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-117","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":63,"quote":"This insurance does not apply to: Communicable Disease Any liability, damage, loss, cost or expense arising, in whole or in part, out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-132","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","source":"policy-language","citation":{"page":64,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any injury, damage, loss, cost or expense arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of , any and all \"PFC/PFAS\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-137","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","source":"policy-language","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-HS-029","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":21,"quote":"s. Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-001","alsoProvisions":["Workers Compensation and Similar Laws","Employment Related Practices","War","E.R.I.S.A.","Contractual Liability","Aircraft or Watercraft","Auto Coverages","Other Personal and Advertising Injury Exclusions","Damage to Property","Damage to Your Product","Damage to Your Work","Damage to Impaired Property or Property Not Physically Injured","Recall of Products, Work or Impaired Property","Pollution","Discrimination","Asbestos","Nuclear Energy Liability","Liquor Liability","Trade or Economic Sanctions","Electronic Data","Distribution of Material in Violation of Statutes"],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":3,"formsWithNoRestrictionFound":37},"findings":[{"id":"finding-global.carrier-reduced-coverage","layer":"global","impact":"Did the carrier give notice that it reduced this coverage?","ruleId":"global.carrier-reduced-coverage","degraded":false,"evidence":[{"page":325,"quote":"ADVISORY NOTICE TO POLICYHOLDERS PROFESSIONAL LIABILITY COVERAGE 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 f or the actual or alleged exposure to Perf luorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS).","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":24,"quote":"NOTICE OF REDUCTION IN COVERAGE\n\nYour policy is being renewed with one of the following endorsements:\n\nCA 25 57 10 13 – COMMUNICABLE DISEASE EXCLUSION FOR GENERAL LIABILITY COVERAGES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"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"},{"page":24,"quote":"PI-CA-031 IL (12/20) – COMMUNICABLE DISEASE EXCLUSION FOR GENERAL LIABILITY COVERAGES – ILLINOIS","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"dependsOn":[],"statement":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading. communicable disease (2 endorsements across coverage parts); total exclusion - perfluorinated compounds (pfc) / per- and polyfluoroalkyl substances (pfas) - professional liability; communicable disease for operations.","ruleVersion":"e3496ae3227a"},{"id":"finding-global.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":114,"quote":"b. Vacancy Provisions If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you have protected the system against freezing; (c) Building glass breakage; (d) Water damage; (e) Theft; or (f) Attempted theft. (2) With respect to Covered Causes of Loss other than those listed in b.(1)(a) through b.(1)(f) above, we will reduce the amount we would otherwise pay for the loss or damage by 15%.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":200,"quote":"The Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of \"property damage\" to any one premises, while rented to you, or in the case of damage by fire, lightning, explosion, smoke, or leakage from automatic fire protective systems while rented to you or temporarily occupied by you with permission of the owner. 3. The Damage To Premises Rented to You Limit section of the Declarations is amended to the greater of: a. $1,000,000; or b. The amount shown in the Declarations as the Damage to Premises Rented to You Limit.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":237,"quote":"Unexplained disappearance.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":257,"quote":"We will not pay for \"loss\" to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment. 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. c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals. d. Any accessories used with the electronic equipment described in Paragraph c. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"dependsOn":[],"statement":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures. Property Not Covered - Electronic Data is capped at 2,500. Damage to Premises Rented to You - Sub-limit is capped at 1,000,000. Pollutant Clean-Up and Removal sub-limit is capped at 10,000. Expected Or Intended Injury exclusion – CA 00 01 is capped at 2,000.","ruleVersion":"485c5e73f822"},{"id":"finding-global.endorsements-restrict","layer":"global","impact":"Do the attached endorsements restrict this coverage?","ruleId":"global.endorsements-restrict","degraded":false,"evidence":[],"dependsOn":[],"statement":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","ruleVersion":"86033228d3f6"}],"reviewId":"review-mt676pp9","decisions":[],"unanswered":[{"reason":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","questionId":"global.defense-outside-limits"},{"reason":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","questionId":"global.aggregate-impairment-known"}],"observations":[{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-classifier","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf, from the classifier: This is a multi-coverage-part package policy packet. The dominant document is the Common Policy Declarations (page 1), which lists Commercial Property, Commercial General Liability, Commercial Inland Marine, and Commercial Auto coverage parts among others. Per the classification rule, the line is typed as general-liability because a Commercial General Liability Coverage Part appears in the declarations. The packet contains: Common Policy Declarations (pp. 1-2), Policy Form Schedule (p. 3), Locations Schedule (p. 4), Additional Insured Schedule (pp. 5-7), Fees and Surcharge Schedule (p. 8), Commercial Property advisory notices and declarations/schedules (pp. 9-14), Commercial General Liability declarations and schedules (pp. 15-18), Commercial Inland Marine declarations and schedules (pp. 19-22), advisory notices (pp. 23-24), and Business Auto Declarations and schedules (pp. 25-30). All pages carry policy number PHPK2661220-013. The policy period is 03/01/2025 to 03/01/2026.","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 under 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 is the declarations page, so the document is typed 'declarations.' The packet also contains a coverage form and an endorsement not listed in the form schedule on page 6. Confidence is medium because the packet contains multiple document types assembled together.","packetComplete":false},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-citations","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: 365 of 383 figures were confirmed against the page they cite. The remaining 18 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-gl-package_philadelphia-indemnity_PHPK2661220-sweep-losses","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: of the 329 pages searched for provisions and schedule entries, 45 pages were not reached inside the time this reading is allowed. A restriction printed on one of those pages would not appear here.","packetComplete":false},{"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":544,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":65513,"outputTokens":10416,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":20567,"outputTokens":908,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":32402,"outputTokens":4599,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":26152,"outputTokens":2123,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":31151,"outputTokens":9437,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":30019,"outputTokens":6560,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":21409,"outputTokens":2020,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":8079,"outputTokens":536,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"vva-gl-package_philadelphia-indemnity_PHPK2661220","sha256":"42286ee391c6a7f52e8fcbcb758c4342a3b59fa4a6c556904a50d623475cb76b","filename":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"This is a multi-coverage-part package policy packet. The dominant document is the Common Policy Declarations (page 1), which lists Commercial Property, Commercial General Liability, Commercial Inland Marine, and Commercial Auto coverage parts among others. Per the classification rule, the line is typed as general-liability because a Commercial General Liability Coverage Part appears in the declarations. The packet contains: Common Policy Declarations (pp. 1-2), Policy Form Schedule (p. 3), Locations Schedule (p. 4), Additional Insured Schedule (pp. 5-7), Fees and Surcharge Schedule (p. 8), Commercial Property advisory notices and declarations/schedules (pp. 9-14), Commercial General Liability declarations and schedules (pp. 15-18), Commercial Inland Marine declarations and schedules (pp. 19-22), advisory notices (pp. 23-24), and Business Auto Declarations and schedules (pp. 25-30). All pages carry policy number PHPK2661220-013. The policy period is 03/01/2025 to 03/01/2026.","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"},"pageCount":329,"confidence":"high","namedInsured":{"value":"Vietnam Veterans of America Inc\nChapters and State Councils","citation":{"page":1,"quote":"Vietnam Veterans of America Inc\nChapters and State Councils\n8719 Colesville Rd Ste 100\nSilver Spring, MD 20910-3919","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"policyNumber":{"value":"PHPK2661220-013","citation":{"page":1,"quote":"Policy Number:  PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":329,"firstError":null,"failedPages":0,"timedOutPages":45},"extraction":{"id":"vva-gl-package_philadelphia-indemnity_PHPK2661220","role":"primary","term":{"effective":{"value":"2025-03-01","citation":{"page":1,"quote":"Policy Period From: 03/01/2025","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"expiration":{"value":"2026-03-01","citation":{"page":1,"quote":"To: 03/01/2026","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}},"notes":"This is a Commercial General Liability coverage part within a Commercial Package Policy (PHPK2661220-013) issued by Philadelphia Indemnity Insurance Company. The policy is occurrence-based (CG0001 04 13 form attached; retroactive date field printed as 'NONE' indicating occurrence basis). The declarations page does not print a deductible or self-insured retention for the GL coverage part. No schedule of underlying insurance is present — this is a primary policy with no attachment point. Defense inside limits cannot be determined from the pages provided; the CGL coverage form (CG0001) was not provided in full text, only listed in the forms schedule. Drops-down-on-underlying-exhaustion is not applicable for a primary policy. The forms schedule on page 3 covers policy-wide forms; page 16 covers GL-specific forms. The forms schedule on page 3 is labeled as the policy-level forms schedule (PI-POL-FORM-SCH). No per-project aggregate endorsement (such as CG 25 03 or CG 25 04) appears in the GL forms schedule, so perProjectAggregate is omitted as null. Medical expense limit of $0 is printed on the GL declarations (page 15); it was not captured in the schema since the schema does not have a medical expense field.","limits":{"eachOccurrence":{"value":1000000,"citation":{"page":15,"quote":"$ 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":"Nuclear facility exclusion","where":"endorsement","citation":{"page":72,"quote":"C. Under any Liability Coverage, to \"bodily injury\" or \"property damage\" resulting from \"hazardous properties\" of \"nuclear material\", if: (1) The \"nuclear material\" (a) is at any \"nuclear facility\" owned by, or operated by or on behalf of, an \"insured\"","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: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 02 02 20","carrierNoticedReduction":false},{"label":"California Changes - Concealment, Misrepresentation or Fraud condition for fire losses","where":"endorsement","citation":{"page":75,"quote":"B. The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with respect to loss (\"loss\") or damage caused by fire: We do not provide coverage to the insured (\"insured\") who, whether before or after a loss (\"loss\"), has committed fraud","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 04 07 20","carrierNoticedReduction":false},{"label":"California Changes - Concealment, Misrepresentation or Fraud condition for non-fire losses","where":"endorsement","citation":{"page":75,"quote":"C. The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with respect to loss (\"loss\") or damage caused by a Covered Cause of Loss other than fire: This Coverage Part is void if any insured (\"insured\"), whether before or after a loss (\"loss\"), has committed fraud","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 04 07 20","carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","citation":{"page":89,"quote":"ABSOLUTE CYBER LIABILITY AND ELECTRONIC EXCLUSION The following exclusion applies to all coverages afforded under this policy: This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information, 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-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-ACL-001","carrierNoticedReduction":false},{"label":"Nevada Changes - Concealment, Misrepresentation or Fraud","where":"endorsement","citation":{"page":77,"quote":"CONCEALMENT, MISREPRESENTATION OR FRAUD Condition is replaced by the following: CONCEALMENT, MISREPRESENTATION OR FRAUD We will not pay for any loss (\"loss\") or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. Fraud; committed by an insured (\"insured\") at any time and relating to a claim under this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 10 09 07","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion - Professional Liability","where":"endorsement","citation":{"page":97,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION PROFESSIONAL LIABILITY The following exclusion applies to all professional liability coverages afforded in any coverage form or endorsement issued by us. When the applicable professional liability coverage: A. Contains a communicable disease exclusion, it is deleted in its entirety and replaced with the following; or B. Does not contain a communicable disease exclusion, the following is added: This insurance does not apply to any loss, cost, expense, fine, penalty, act, error or omission, or damage arising out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-PROF-002","carrierNoticedReduction":false},{"label":"Total Exclusion - Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) - Professional Liability","where":"endorsement","citation":{"page":98,"quote":"TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY The f ollowing exclusion applies to all professional liability coverages afforded in all coverage forms or endorsements issued by us. When the applicable coverage: A. Contains a Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) exclusion, it is deleted in its entirety and replaced with the following; or B. Does not contain a Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) exclusion, the following is added: This insurance does not apply to: A. Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 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":"ABSOLUTE ABUSE OR MOLESTATION EXCLUSION PROFESSIONAL LIABILITY The following exclusion applies to all professional liability coverages afforded in any coverage form or endorsement issued by us. When the applicable professional liability coverage: A. Contains an abuse or molestation exclusion, it is deleted in its entirety and replaced with the following; or B. Does not contain an abuse or molestation exclusion, the following is added: This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person caused by the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-018","carrierNoticedReduction":false},{"label":"Exclusion - Adoption and Foster Care Operations","where":"endorsement","citation":{"page":95,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS I. The following exclusion applies to all coverages afforded in any Coverage Part, Coverage Form or endorsement issued by us, if you are engaged in any \"adoption or foster care services\" unless: A. You have disclosed such services in your application for coverage; and B. We have agreed to provide coverage for such services. Even if the Conditions in A. and B . above are met, under no circumstances is there coverage for any individual (or any entity formed by such individual) who is acting as a foster parent or providing temporary housing or supplemental care to a foster child, unless that individual is your \"employee\" while acting within the scope of their employment by you. II. EXCLUSION 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","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-029","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":88,"quote":"CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART STANDARD PROPERTY POLICY A. Cap On Certified Terrorism Losses \"Certified act of terrorism\" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a \"certified act of terrorism\" include the following: 1. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and 2. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 09 52 01 15","carrierNoticedReduction":false},{"label":"Property Not Covered - Electronic Data","where":"base-form","citation":{"page":104,"quote":"n. Electronic data, except as provided under the Additional Coverage, Electronic Data. Electronic data means information, facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Vacancy Condition - Coverage Limitations","where":"base-form","citation":{"page":114,"quote":"b. Vacancy Provisions If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you have protected the system against freezing; (c) Building glass breakage; (d) Water damage; (e) Theft; or (f) Attempted theft. (2) With respect to Covered Causes of Loss other than those listed in b.(1)(a) through b.(1)(f) above, we will reduce the amount we would otherwise pay for the loss or damage by 15%.","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":"c. Fire Department Service Charge When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, 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 - 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 - 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 - 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 - 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 - 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 - 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) regardless of the number of storage units.","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":"Newly Acquired or Constructed Property - Building Sub-limit","where":"base-form","citation":{"page":109,"quote":"a. Newly Acquired Or Constructed Property (1) Buildings If this policy covers Building, you may extend that insurance to apply to: (a) Your new buildings while being built on the described premises; and (b) Buildings you acquire at locations, other than the described premises, intended for: (i) Similar use as the building described in the Declarations; or (ii) Use as a warehouse. 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 Sub-limit","where":"base-form","citation":{"page":109,"quote":"(2) Your Business Personal Property (a) If this policy covers Your Business Personal Property, you may extend that insurance to apply to: (i) Business personal property, including such property that you newly acquire, at any location you acquire other than at fairs, trade shows or exhibitions; or (ii) Business personal property, including such property that you newly acquire, located at your newly constructed or acquired buildings at the location described in the Declarations. 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":"Debris Removal Additional Coverage - Sub-limit","where":"base-form","citation":{"page":105,"quote":"(4) 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, if one or both of the following circumstances apply: (a) The total of the actual debris removal expense plus the amount we pay for direct physical loss or damage exceeds the Limit of Insurance on the Covered Property that has sustained loss or damage. (b) The actual debris removal expense exceeds 25% of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Property that has sustained loss or damage.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":25000,"formNumber":"CP 00 10","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 Exclusion","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 Exclusion","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":"Amendment of Liquor Liability Exclusion – 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 Exclusion","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":"Exclusion - 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","carrierNoticedReduction":false},{"label":"Exclusion - 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","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","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\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-042","carrierNoticedReduction":false},{"label":"Exclusion Professional Liability Coverage","where":"endorsement","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"},"subLimit":null,"formNumber":"PI-HS-005","carrierNoticedReduction":false},{"label":"Damage to Premises Rented to You - Sub-limit","where":"endorsement","citation":{"page":200,"quote":"The Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of \"property damage\" to any one premises, while rented to you, or in the case of damage by fire, lightning, explosion, smoke, or leakage from automatic fire protective systems while rented to you or temporarily occupied by you with permission of the owner. 3. The Damage To Premises Rented to You Limit section of the Declarations is amended to the greater of: a. $1,000,000; or b. 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Before it is moved from the place where it is accepted by the \"insured\" for movement into or onto the covered \"auto\"; or b. After it is moved from the covered \"auto\" to the place where it is finally delivered by the \"insured\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Movement Of Property By Mechanical Device exclusion – CA 00 01 10 13","where":"base-form","citation":{"page":254,"quote":"\"Bodily injury\" or \"property damage\" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Operations exclusion – CA 00 01 10 13","where":"base-form","citation":{"page":254,"quote":"\"Bodily injury\" or \"property damage\" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of \"mobile equipment\"; or b. Machinery or equipment that is on, attached to or part of a land vehicle","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Completed Operations exclusion – CA 00 01 10 13","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 exclusion – CA 00 01 10 13","where":"base-form","citation":{"page":255,"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 exclusion – CA 00 01 10 13","where":"base-form","citation":{"page":255,"quote":"\"Bodily injury\" or \"property damage\" arising directly or indirectly out of: a. War, including undeclared or civil war; b. Warlike action by a military force","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Racing exclusion – CA 00 01 10 13","where":"base-form","citation":{"page":255,"quote":"Covered \"autos\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Supplementary Payments – Bail bonds sub-limit – CA 00 01 10 13","where":"base-form","citation":{"page":253,"quote":"Up to $2,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an \"accident\" we cover.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2000,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Supplementary Payments – Earnings loss sub-limit – CA 00 01 10 13","where":"base-form","citation":{"page":253,"quote":"All reasonable expenses incurred by the \"insured\" at our request, including actual loss of earnings up to $250 a day because of time off from work.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":250,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Electronic equipment limitation – audio, visual, data equipment","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment. 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. c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals. 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":"Electronic equipment sub-limit","where":"base-form","citation":{"page":257,"quote":"The most we will pay for: a. \"Loss\" to any one covered \"auto\" is the lesser of: (1) The actual cash value of the damaged or stolen property as of the time of the \"loss\"; or (2) The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality. 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":"Nuclear hazard exclusion","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" caused by or resulting from any of the following. Such \"loss\" is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the \"loss\". a. Nuclear Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"War or military action exclusion","where":"base-form","citation":{"page":257,"quote":"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 and demolition contest exclusion","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to any covered \"auto\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. 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, mechanical or electrical breakdown exclusion","where":"base-form","citation":{"page":257,"quote":"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 damage exclusion","where":"base-form","citation":{"page":257,"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":"Diminution in value exclusion","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Maryland changes – collision coverage in Mexico","where":"endorsement","citation":{"page":263,"quote":"For a covered \"auto\" licensed or principally garaged in Maryland, this endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. Physical Damage Coverage is changed as follows: Coverage for a \"loss\" caused by collision or overturn of a covered \"auto\" \"you\" own applies while the \"auto\" is in Mexico. However: A. The \"loss\" will be paid for in the United States. B. The most \"we\" will pay for \"loss\" is the lesser of the following amounts: 1. The cost of repairing the \"auto\" or replacing its parts in Mexico; or 2. The cost of repair or replacement at the nearest point in the United States where repair or replacement could be made.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 06","carrierNoticedReduction":false},{"label":"California changes – other insurance conditions","where":"endorsement","citation":{"page":264,"quote":"B. The following are added to the Other Insurance Condition in the Business Auto and Garage Coverage Forms and the Other Insurance – Primary And Excess Insurance Provisions in the Motor Carrier and Truckers Coverage Forms and supersede any provisions to the contrary","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 43","carrierNoticedReduction":false},{"label":"Maryland changes – fellow employee exclusion modification","where":"endorsement","citation":{"page":266,"quote":"1. The Fellow Employee Exclusion is replaced by the following: Fellow Employee \"Bodily injury\" to: a. Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment or while performing duties related to the conduct of your business; or b. The spouse, child, parent, brother or sister of that fellow \"employee\" as a consequence of Paragraph a. above. However, this exclusion does not apply for coverage up to the minimum limit specified by the Maryland Vehicle Law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 70","carrierNoticedReduction":false},{"label":"Maryland changes – racing exclusion modification","where":"endorsement","citation":{"page":266,"quote":"2. The Racing Exclusion is replaced by the following: Racing Covered \"autos\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. This insurance also does not apply while that covered \"auto\" is being prepared for such a contest or activity. However, this exclusion does not apply for coverage up to the minimum limit specified by the Maryland Vehicle Law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 70","carrierNoticedReduction":false},{"label":"Maryland changes – diminution in value exclusion removal","where":"endorsement","citation":{"page":266,"quote":"B. Changes In Physical Damage Coverage The \"diminution in value\" exclusion does not apply.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 70","carrierNoticedReduction":false},{"label":"Human services organization – expected or intended damages exclusion","where":"base-form","citation":{"page":275,"quote":"B. Exclusions This insurance does not apply to \"damages\": 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":"Human services organization – 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":"Human services organization – hospital or medical facility 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":"Human services organization – aircraft, auto, 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. Use includes operation and \"loading or unloading\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human services organization – drugs and 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":"Human services organization – 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":"Human services organization – professional services 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":"Human services organization – accreditation board 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":"Human services organization – 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. This exclusion applies: a. Whether the insured may be liable as an employer or in any other capacity; and b. To any obligation to share \"damages\" with or repay someone else who must pay \"damages\" because of the injury.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human services organization – 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":"Human services organization – employment-related 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, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation or discrimination directed at that person","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human services organization – 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\" and the \"personal injury\" does not arise out of: a. Oral or written publication of material, if done by or at the direction of the insured with knowledge of its falsity; b. Oral or written publication of material, whose first publication took place before the beginning of the policy period; or c. The willful violation of a penal statute or ordinance committed by or with the consent of the insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human services organization – 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; c. Which is or was in the possession of any insured or any person acting on behalf of any insured; or d. That is real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are or were performing operations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human services organization – pollution, nuclear, asbestos, lead hazard exclusion","where":"base-form","citation":{"page":276,"quote":"14. Arising out of any: a. \"Pollution hazard\"; b. \"Nuclear hazard\"; c. \"Asbestos hazard\"; or d. \"Lead hazard\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human services organization – 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":"Human services organization – 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":"Human services organization – 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":"Human services organization – 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":"Human services organization – 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":"Human services organization – criminal, dishonest, fraudulent act exclusion","where":"base-form","citation":{"page":277,"quote":"20. Arising out of any criminal, dishonest, fraudulent or malicious act or omission. This exclusion does not apply to any insured who did not: a. Personally participate in committing any such act; or b. Remain passive after having personal knowledge of any such act or omission.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human services organization – insured versus 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":"Human services organization – 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":"Human services organization – 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; or b. The negligent: (1) employment; (2) investigation; (3) supervision; (4) reporting to the proper authorities, or failure to so report; or (5) retention of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by a. above. c. The negligent failure to provide professional services or neglect of the therapeutic needs of a client, patient or other person because of the conduct which would be excluded by paragraph a. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human services organization – disciplinary hearing defense exclusion","where":"endorsement","citation":{"page":285,"quote":"1. SECTION I – COVERAGE , A. Insuring Agreement is amended to include the following provision which supersedes anything to the contrary: 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":"Abusive conduct – personal participation in abusive conduct exclusion","where":"base-form","citation":{"page":289,"quote":"2. Exclusions This insurance does not apply to: 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":"Abusive conduct – 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":"Abusive conduct – 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":"Abusive conduct – prior 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":"Abusive conduct – contractual liability exclusion","where":"base-form","citation":{"page":288,"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":"Abusive conduct – workers compensation exclusion","where":"base-form","citation":{"page":288,"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":"Abusive conduct – 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":"Abusive conduct – insured versus 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":"Abusive conduct – employee and volunteer worker claim 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.\" However, this exclusion does not apply in the limited instance where your \"employee\" or \"volunteer worker\" is also your client and receiving services falling within the official scope of the services which you provide and the \"claim\" arises out of the provision of these services","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive conduct – criminal trial 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":"Abusive conduct – pre-inception 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":"Abusive conduct – prior litigation or notice 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, including any future litigation or demand based on the prior or pending litigation that is derived from the same or essentially the same facts as alleged in such prior litigation; (2) Any \"abusive conduct,\" fact, circumstance or situation which has been the subject of any written notice given under any other policy of insurance prior to inception of this policy; or (3) Any \"abusive conduct,\" fact, circumstance or situation of which, as of the inception of this policy, the insured had knowledge and from which the insured could reasonably expect a \"claim\" to arise","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive conduct – sexual discrimination and harassment exclusion","where":"base-form","citation":{"page":290,"quote":"m. 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The Employers' Liability section of the underlying schedule is blank (no company, policy number, or limits printed). The Employee Benefits Liability, Abusive Conduct Liability, Directors & Officers Liability, Liquor Liability, Watercraft Liability, and Other Coverages sections on pages 4 and 5 are also blank. The retained limit of $10,000 is labeled 'RETAINED LIMIT' on the declarations page; the policy form (PI-CXL-001) uses the term 'retained limit' consistent with a self-insured retention for this umbrella structure, so it is recorded under selfInsuredRetention. The applies field for retention is unknown as no per-occurrence or per-claim qualifier is printed next to the retained limit. Form PI-HS-029 (02/20) (Exclusion – Adoption and Foster Care Operations) appears in the provided pages but is not listed on the Form Schedule – Umbrella Liability (page 6); it has not been added to formsSchedule per instruction.","limits":{"eachOccurrence":{"value":5000000,"citation":{"page":1,"quote":"EACH OCCURRENCE LIMIT (LIABILITY COVERAGE) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":1,"quote":"GENERAL AGGREGATE LIMIT (LIABILITY COVERAGE) (except with respect to Auto Liability and Products Completed Operations) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":5000000,"citation":{"page":1,"quote":"PERSONAL & ADVERTISING INJURY LIMIT $ 5,000,000 Any one person or organization","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":5000000,"citation":{"page":1,"quote":"PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":{"value":10000,"citation":{"page":1,"quote":"RETAINED LIMIT: $ 10,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"confidence":"high","documentIds":["vva-umbrella_philadelphia-indemnity_PHUB902534"],"namedInsured":{"value":"Vietnam Veterans of America Inc. Chapters and State Councils","citation":{"page":1,"quote":"NAMED INSURED: Vietnam Veterans of America Inc. Chapters and State Councils","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"policyNumber":{"value":"PHUB902534-013","citation":{"page":1,"quote":"POLICY NUMBER: PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"restrictions":[{"label":"Directors and Officers Liability Exclusion","where":"endorsement","citation":{"page":38,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising from any \"wrongful act\" of any director or officer of the insured in the discharge or performance of their duties as such.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-004","carrierNoticedReduction":false},{"label":"Employers' Liability (Stop Gap) Exclusion","where":"endorsement","citation":{"page":39,"quote":"This insurance does not apply to any liability for \"bodily injury,\" disability or shock, including death at any time resulting from any of these, and, if arising out of the foregoing mental anguish or mental injury sustained by: 1. An \"employee\" of the insured arising out of and in the course of employment by the insured; or 2. The spouse, child, parent, brother or sister of that \"employee\" as a consequence of 1. above.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-006","carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","citation":{"page":40,"quote":"This insurance does not apply to any injury, liability, damage, loss, cost or expense sustained or incurred by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-007","carrierNoticedReduction":false},{"label":"Subsidence Exclusion","where":"endorsement","citation":{"page":41,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense, whether direct or indirect, arising out of, caused by, resulting from, contributed to or aggravated by the subsidence of land, including any: settling, expansion, sinking, slipping, falling away, tilting, caving in, shifting, eroding, mud flow, rising, or any other movement of land or earth if any of the foregoing emanate from the operations of the insured or any other person for whose acts the insured is legally liable.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-014","carrierNoticedReduction":false},{"label":"Athletic Participants and Officials Exclusion","where":"endorsement","citation":{"page":42,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense for injury sustained by: Any person while practicing for, or participating in, or officiating at, any athletic contest or exhibition; or Any person specified below:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-015","carrierNoticedReduction":false},{"label":"Trampoline Exclusion","where":"endorsement","citation":{"page":43,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. The ownership, maintenance or use of trampolines; or b. The supervision of any person using a trampoline.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-021","carrierNoticedReduction":false},{"label":"Employee Benefits Liability Follow Form Endorsement","where":"endorsement","citation":{"page":44,"quote":"However, the coverage provided under this policy will not be broader than that provided by the applicable \"underlying insurance.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-029","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":"General Liability Follow Form Endorsement","where":"endorsement","citation":{"page":47,"quote":"However, the coverage provided under this policy will not be broader than that provided by the applicable \"underlying insurance.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-041","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: $______________ Aggregate Limit: $______________","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: $______________","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.\" 2. The abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects of, \"silica\" or \"silica-related dust,\" by any insured or by any other person or entity.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-117","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion","where":"endorsement","citation":{"page":63,"quote":"This insurance does not apply to: Communicable Disease Any liability, damage, loss, cost or expense arising, in whole or in part, out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-132","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","citation":{"page":64,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any injury, damage, loss, cost or expense arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of , any and all \"PFC/PFAS\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-137","carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-HS-029","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","citation":{"page":12,"quote":"a. Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Workers Compensation and Similar Laws","where":"base-form","citation":{"page":12,"quote":"b. Workers Compensation and Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Employment Related Practices","where":"base-form","citation":{"page":12,"quote":"c. Employment Related Practices \"Bodily injury\" or \"personal and advertising injury\" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or (c) Employment related practices, policies, acts or omissions such as discrimination, criticism, self-defamation, coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation or malicious prosecution directed at that person","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":13,"quote":"d. War \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" however caused arising, directly or indirectly out of: (1) War, including undeclared or civil war;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"E.R.I.S.A.","where":"base-form","citation":{"page":13,"quote":"e. E.R.I.S.A. Any obligation of the insured under the Employees' Retirement Income Security Act (E.R.I.S.A.) and any amendments thereto or any similar federal, state, or local statute.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":13,"quote":"f. Contractual Liability \"Bodily injury\" or \"property damage\" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Aircraft or Watercraft","where":"base-form","citation":{"page":13,"quote":"g. Aircraft or Watercraft \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance, use or entrustment to others of any aircraft or watercraft owned, or operated by; or rented or loaned to any insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Auto Coverages","where":"base-form","citation":{"page":14,"quote":"h. Auto Coverages (1) \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance or use of any \"auto\" which is not an \"auto\" covered by \"underlying insurance\";","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Other Personal and Advertising Injury Exclusions","where":"base-form","citation":{"page":14,"quote":"i. Other Personal and Advertising Injury Exclusions \"Personal and advertising injury\": (1) Knowing Violation of Rights of Another","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Property","where":"base-form","citation":{"page":16,"quote":"j. Damage to Property \"Property damage\" to property: (1) You own, rent or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Your Product","where":"base-form","citation":{"page":16,"quote":"k. Damage to Your Product \"Property damage\" to \"your product\" arising out of it or any part of it.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Your Work","where":"base-form","citation":{"page":16,"quote":"l. Damage to Your Work \"Property damage\" to \"your work\" arising out of it or any part of it and included in the \"products-completed operations hazard.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Impaired Property or Property Not Physically Injured","where":"base-form","citation":{"page":16,"quote":"m. Damage to Impaired Property or Property Not Physically Injured \"Property damage\" to \"impaired property\" or property that has not been physically injured, arising out of:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Recall of Products, Work or Impaired Property","where":"base-form","citation":{"page":17,"quote":"n. Recall of Products, Work or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":17,"quote":"o. Pollution (1) \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" arising out of the actual alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\":","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Discrimination","where":"base-form","citation":{"page":19,"quote":"p. Discrimination Any liability arising from discrimination: (1) Suffered or allegedly suffered by any person based upon, but not limited to, color, creed, gender, race, national origin, age, handicap, illness, religion or sexual preference;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Asbestos","where":"base-form","citation":{"page":19,"quote":"q. Asbestos \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" arising out of the \"asbestos hazard.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Nuclear Energy Liability","where":"base-form","citation":{"page":19,"quote":"r. Nuclear Energy Liability Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an insured under the policy is also an insured under a nuclear energy liability policy","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Liquor Liability","where":"base-form","citation":{"page":21,"quote":"s. Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Trade or Economic Sanctions","where":"base-form","citation":{"page":21,"quote":"t. Trade or Economic Sanctions To the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Electronic Data","where":"base-form","citation":{"page":21,"quote":"u. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access or inability to manipulate electronic data.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Distribution of Material in Violation of Statutes","where":"base-form","citation":{"page":21,"quote":"v. 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