{"id":"review-mt678ned","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"ut-system-rocip-program_multi-carrier_2017-2023","pagesSwept":286,"pagesTotal":316,"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.","The operator chose to proceed without: Underlying policy GLO 4353409-00 scheduled by 47-XSF-304056-01; Underlying policy WC0183286 scheduled by 47-XSF-304056-01. Decided 2026-08-23T19:27:36.464Z. The absence and this choice are part of the record."],"unsatisfied":["expectation:47-xsf-304056-01:glo-4353409-00","expectation:47-xsf-304056-01:wc0183286","expectation:1000023859:glo0183287","expectation:1000023859:wc0183286","expectation:1000023859:g46798673-001","expectation:1000023859:gl00183287"],"expectations":[{"id":"expectation:47-xsf-304056-01:glo-4353409-00","what":"Underlying policy GLO 4353409-00 scheduled by 47-XSF-304056-01","basis":"cited","source":{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:47-xsf-304056-01:wc0183286","what":"Underlying policy WC0183286 scheduled by 47-XSF-304056-01","basis":"cited","source":{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:xsm-g46798673-001:47-xsf-304056-01","what":"Underlying policy 47-XSF-304056-01 scheduled by XSM G46798673 001","basis":"cited","source":{"page":267,"quote":"Policy# 47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:1000023859:47-xsf-304056-01","what":"Underlying policy 47-XSF-304056-01 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: 47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:1000023859:glo0183287","what":"Underlying policy GLO0183287 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: GLO0183287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:1000023859:wc0183286","what":"Underlying policy WC0183286 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:1000023859:g46798673-001","what":"Underlying policy G46798673 001 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: G46798673 001","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:1000023859:gl00183287","what":"Underlying policy GL00183287 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:eco-23-58-07-14-29:47-xsf-304056-01","what":"Underlying policy 47-XSF-304056-01 scheduled by ECO (23) 58 07 14 29","basis":"cited","source":{"page":306,"quote":"47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:eco-23-58-07-14-29:xsm-g46798673-001","what":"Underlying policy XSM G46798673 001 scheduled by ECO (23) 58 07 14 29","basis":"cited","source":{"page":306,"quote":"XSM G46798673 001","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:eco-23-58-07-14-29:1000023859","what":"Underlying policy 1000023859 scheduled by ECO (23) 58 07 14 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#WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"scheduled-1","effective":"2017-08-01","formBasis":"unknown","deductible":null,"expiration":"2023-08-01","formNumbers":[],"namedInsured":null,"policyNumber":"WC0183286","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":null,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"primary","limit":2000000,"carrier":"ZURICH AMERICAN INSURANCE COMPANY","sources":{"limit":{"page":135,"quote":"EACH OCCURRENCE LIMIT $ 2,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":135,"quote":"ZURICH AMERICAN INSURANCE COMPANY","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":135,"quote":"Policy Number: GLO 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The Products-Completed Operations Aggregate Limit applies separately to each \"designated project\" for which B. is selected.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"productsCompletedOpsAggregate":{"page":135,"quote":"PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["U-GL-D-1115-B CW","U-GL-1364-A CW","U-GL-D-1306-B CW","U-GL-D-1306-B CW","CG 00 01 04 13","U-GL-1114-A CW","U-GL-1114-A CW","U-GL-1114-A CW","U-GL-1114-A CW","U-GL-1114-A CW","U-GL-1054-A CW"],"namedInsured":"THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM","policyNumber":"GLO 0183287-00","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":"NONE","aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":5000000,"selfInsuredRetention":null,"personalAdvertisingInjury":2000000,"productsCompletedOpsAggregate":5000000},{"role":"unknown","limit":2000000,"carrier":"Zurich American Insurance Company","sources":{"limit":{"page":204,"quote":"$2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":204,"quote":"General Liability Zurich American Insurance Company 08/01/2017 to 08/01/2023 Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":204,"quote":"$5,000,000 General Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"scheduled-0","effective":"2017-08-01","formBasis":"unknown","deductible":null,"expiration":"2023-08-01","formNumbers":[],"namedInsured":null,"policyNumber":"GLO 4353409-00","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"excess","limit":25000000,"carrier":"Berkshire Hathaway Specialty Insurance Company","sources":{"limit":{"page":198,"quote":"A. Per Occurrence $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":198,"quote":"Berkshire Hathaway Specialty Insurance Company\n1314 Douglas Street, Suite 1400\nOmaha, NE 68102-1944","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":198,"quote":"Policy No.: 47-XSF-304056-O1","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":204,"quote":"$2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":198,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"perProjectAggregate":{"page":216,"quote":"Per Project Products-Completed Operations Aggregate Limit of Insurance (Applicable to Each Construction Project With Construction Value In Excess of $100,000,000): a. $25,000,000 (During the Policy Period); and b. $25,000,000 (Products Completed Operations Extension Period)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"productsCompletedOpsAggregate":{"page":198,"quote":"C. Products-Completed Operations Aggregate Limit: $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["FF-XS-DEC-10/2014","CLP-UN-016-07/2013","FFP-XS-001-10/2014","FFP-XS-002-11/2014","CLP-UN-010-07/2013","CLP-UN-017-07/2013","CLP-UN-078-11/2013","CL-UN-083-01/2015","FFP-XS-013-07/2014","FF-XS-026-02/2016","CL-UN-075-12/2016","MANUSCRIPT","MANUSCRIPT","FF-XS-005-07/2014"],"namedInsured":"The University Of Texas System","policyNumber":"47-XSF-304056-01","scheduledOnly":false,"attachmentPoint":2000000,"exhaustionPoint":27000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":25000000,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":25000000},{"role":"excess","limit":25000000,"carrier":"Indemnity Insurance Company of North America","sources":{"limit":{"page":265,"quote":"Item 3. Limit of Liability: a) USD $ 25,000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":265,"quote":"Issuing Company: Indemnity Insurance Company of North America\n436 Walnut Street\nPhiladelphia, Pennsylvania 19106","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":265,"quote":"Policy Number: XSM G46798673 001","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":267,"quote":"a) USD $25,000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":265,"quote":"b) USD $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["ALL-38009","XSM-43898","XSM43896","ALL-20887A","XS-28500A","IL P 001","CC-1K11H","XSM-43899","XSC-27522A","TRIA 11D","AII-21101","MS-208330"],"namedInsured":"The Board of Regents of the University of Texas System","policyNumber":"XSM G46798673 001","scheduledOnly":false,"attachmentPoint":27000000,"exhaustionPoint":52000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"excess","limit":25000000,"carrier":"Starr Indemnity & Liability Company","sources":{"limit":{"page":280,"quote":"a) $ 25,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":280,"quote":"Starr Indemnity & Liability Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":280,"quote":"Policy No.: 1000023859","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":284,"quote":"$25,000,000 Per Occurence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":280,"quote":"b) $ 25,000,000 Aggregate Where Applicable","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p280","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["MARSH XSELLENCE FORM 10/2014","EXCESS LIABILITY POLICY SCHEDULE OF UNDERLYING INSURANCE","XSM-343 (01/16)","XSM-344 (01/2015)","XS-369 TX (05/09)","XS-301 TX (10/08)","XS-363 TX (03/09)","XS-331 TX (10/08)","XS-175 (10/08)"],"namedInsured":"University of Texas ROCIP VII and as more fully set forth in the Lead Underlying Policy","policyNumber":"1000023859","scheduledOnly":false,"attachmentPoint":27000000,"exhaustionPoint":52000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"excess","limit":25000000,"carrier":"Ohio Casualty Insurance Company","sources":{"limit":{"page":304,"quote":"a) $ 25000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":304,"quote":"Coverage is Provided In: Ohio Casualty Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":304,"quote":"Policy No.: ECO (23) 58 07 14 29","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":306,"quote":"$25,000,000 EACH OCCURRENCE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":304,"quote":"b) $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["NP 73 12 01 15","CE 75 00 01 15","CE 75 10 01 15","CE 75 13 01 15","CE 75 06 01 15","CE 75 07 01 15","CE 75 05 01 15","CE 75 04 01 15"],"namedInsured":"THE UNIVERSITY OF TEXAS SYSTEM","policyNumber":"ECO (23) 58 07 14 29","scheduledOnly":false,"attachmentPoint":52000000,"exhaustionPoint":77000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null}],"totalLimit":103000000,"towerIssues":[{"kind":"attachment-disagreement","amount":25000000,"detail":"This policy states an attachment point of 50,000,000, and its own schedule of underlying insurance names underlying limits topping out at 25,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280"]},{"kind":"attachment-disagreement","amount":25000000,"detail":"This policy states an attachment point of 50,000,000, and its own schedule of underlying insurance names underlying limits topping out at 25,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p304"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 47-XSF-304056-01 names GLO 4353409-00, which was not provided.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p198","scheduled-0"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 47-XSF-304056-01 names WC0183286, which was not provided.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p198","scheduled-1"]},{"kind":"underlying-number-mismatch","amount":null,"detail":"The schedule on 1000023859 names GLO0183287, and a policy numbered GLO 0183287-00 was provided. One reads as the other with an affix attached or a character misread in scanning, and they share the same each-occurrence limit. Confirm they are the same policy before the tower is relied on.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","ut-system-rocip-program_multi-carrier_2017-2023"],"providedNumber":"GLO 0183287-00","scheduledNumber":"GLO0183287"},{"kind":"underlying-number-mismatch","amount":null,"detail":"The schedule on 1000023859 names G46798673 001, and a policy numbered XSM G46798673 001 was provided. One reads as the other with an affix attached or a character misread in scanning, and they share the same each-occurrence limit. Confirm they are the same policy before the tower is relied on.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","ut-system-rocip-program_multi-carrier_2017-2023#p265"],"providedNumber":"XSM G46798673 001","scheduledNumber":"G46798673 001"},{"kind":"underlying-number-mismatch","amount":null,"detail":"The schedule on 1000023859 names GL00183287, and a policy numbered GLO 0183287-00 was provided. One reads as the other with an affix attached or a character misread in scanning, and they share the same each-occurrence limit. Confirm they are the same policy before the tower is relied on.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","ut-system-rocip-program_multi-carrier_2017-2023"],"providedNumber":"GLO 0183287-00","scheduledNumber":"GL00183287"},{"kind":"attachment-chained","amount":2000000,"detail":"XSM G46798673 001 is placed at 27,000,000, where 47-XSF-304056-01 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p198","ut-system-rocip-program_multi-carrier_2017-2023#p265"]},{"kind":"attachment-chained","amount":2000000,"detail":"1000023859 is placed at 27,000,000, where 47-XSF-304056-01 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p198","ut-system-rocip-program_multi-carrier_2017-2023#p280"]},{"kind":"attachment-chained","amount":27000000,"detail":"ECO (23) 58 07 14 29 is placed at 52,000,000, where XSM G46798673 001 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. 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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":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","subLimit":null,"formNumber":"XSC-27522a","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Trade or Economic Sanctions Exclusion","where":"endorsement","source":"policy-language","citation":{"page":278,"quote":"This insurance does not apply 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":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","subLimit":null,"formNumber":"ALL-21101","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Texas Pollution Amendatory Exclusion","where":"endorsement","source":"policy-language","citation":{"page":289,"quote":"Ultimate net loss arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p280","subLimit":null,"formNumber":"XS — 369 TX","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Pollution Exclusion","where":"endorsement","source":"policy-language","citation":{"page":295,"quote":"\"Ultimate Net Loss\" arising out of an actual, alleged or threatened 'pollution incident\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p280","subLimit":null,"formNumber":"XS — 363 TX","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Premises or Project","where":"endorsement","source":"policy-language","citation":{"page":298,"quote":"This insurance applies only to 'Ultimate Net Loss\" arising out of: 1. The ownership, maintenance or use of the premises shown in the Schedule and operations necessary or incidental to those premises; or 2. The project shown in the Schedule.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p280","subLimit":null,"formNumber":"XS -175","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Non Following Form Exclusions","where":"endorsement","source":"policy-language","citation":{"page":310,"quote":"This Policy shall not provide coverage afforded by the Lead Underlying Policy for the following: Crisis Management or Crisis Response Endorsement Accident Insurance Endorsement Uninsured/Underinsured Motorists (UM/UIM) Endorsement Liberalization Clause Sublimit of liability, unless such sublimit is specifically endorsed to this Policy.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 10 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":311,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Program Year (January 1 through December 31) 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":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 13 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nuclear Exclusion","where":"endorsement","source":"policy-language","citation":{"page":314,"quote":"This insurance does not apply to: A. Any liability, damages, loss, injury, demand, claim or suit: 1. With respect to which an Insured under the policy is also an Insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an Insured under any such policy but for its termination upon exhaustion of its limits of liability; or 2. Resulting from the \"hazardous properties\" of \"nuclear material\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 05 0715","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":316,"quote":"This insurance does not apply to: Any liability, damages, loss, injury, demand, claim or suit arising out of or caused by, or allegedly caused by: 1. Asbestos, asbestos products, asbestos-containing materials or products, asbestos fibers or asbestos dust","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 04 01 15","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":11,"formsWithNoRestrictionFound":40},"findings":[],"reviewId":"review-mt678ned","decisions":[],"unanswered":[],"observations":[{"id":"observation-no-checks","evidence":[],"statement":"No check was configured for this review, so nothing was asked and nothing could be found. This is not a clean result; it is an unexamined one.","packetComplete":false},{"id":"observation-tower-attachment-disagreement-0","evidence":[],"statement":"This policy states an attachment point of 50,000,000, and its own schedule of underlying insurance names underlying limits topping out at 25,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","packetComplete":true},{"id":"observation-tower-attachment-disagreement-1","evidence":[],"statement":"This policy states an attachment point of 50,000,000, and its own schedule of underlying insurance names underlying limits topping out at 25,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","packetComplete":true},{"id":"observation-tower-attachment-chained-7","evidence":[],"statement":"XSM G46798673 001 is placed at 27,000,000, where 47-XSF-304056-01 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","packetComplete":true},{"id":"observation-tower-attachment-chained-8","evidence":[],"statement":"1000023859 is placed at 27,000,000, where 47-XSF-304056-01 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","packetComplete":true},{"id":"observation-tower-attachment-chained-9","evidence":[],"statement":"ECO (23) 58 07 14 29 is placed at 52,000,000, where XSM G46798673 001 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","packetComplete":true},{"id":"observation-ut-system-rocip-program_multi-carrier_2017-2023-classifier","evidence":[],"statement":"ut-system-rocip-program_multi-carrier_2017-2023.pdf, from the classifier: The document is a multi-component packet. Page 1 is the Commercial General Liability Coverage Part Declarations (form U-GL-D-1115-B CW) for policy GLO 0183287-00. The named insured appears truncated on the declarations page as 'THE BOARD OF REGENTS OF THE'; page 2 completes it as 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM'. The packet also contains: a CGL coverage form (CG 00 01 04 13, pages 5-19), and numerous endorsements (pages 2-4 and 20-30) including Fellow Employee Coverage, Designated Project Declarations (two versions), Named Insured OCIP, Extended Ongoing Operations Coverage, Extended Completed Operations, Notice of Occurrence, Sudden & Accidental Pollution, and Unintentional Failure to Disclose Hazards. The dominant document is the declarations page; the remainder are attached forms and endorsements. Policy period: 08-01-2017 to 08-01-2023. Named insured confidence is medium because the declarations page prints only a partial name.","packetComplete":false},{"id":"observation-ut-system-rocip-program_multi-carrier_2017-2023-citations","evidence":[],"statement":"ut-system-rocip-program_multi-carrier_2017-2023.pdf: 108 of 117 figures were confirmed against the page they cite. The remaining 9 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-ut-system-rocip-program_multi-carrier_2017-2023-truncated","evidence":[],"statement":"ut-system-rocip-program_multi-carrier_2017-2023.pdf: pages 1 to 30 were read in full, and all 316 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":[{"id":"decision-review-mt678ned-gate","kind":"proceed-without-document","field":null,"citation":{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"decidedAt":"2026-08-23T19:27:36.464Z","decidedBy":"[user.name]","rationale":"The reading is completed without the named policy. Every finding that depends on it is degraded and says so.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023","systemValue":"Underlying policy GLO 4353409-00 scheduled by 47-XSF-304056-01; Underlying policy WC0183286 scheduled by 47-XSF-304056-01","decidedValue":"Proceed without it","policyNumber":null,"effectiveDate":null,"terminationDate":null}],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":66481,"outputTokens":516,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":73617,"outputTokens":4081,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":67356,"outputTokens":5472,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":36507,"outputTokens":4711,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":56224,"outputTokens":4871,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":33031,"outputTokens":4231,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":24634,"outputTokens":2335,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":25597,"outputTokens":452,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":31939,"outputTokens":6032,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":25006,"outputTokens":2978,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":26666,"outputTokens":2187,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":24069,"outputTokens":2427,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":25472,"outputTokens":1896,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4485,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"ut-system-rocip-program_multi-carrier_2017-2023","sha256":"7d530a065d173b8a51f5119c3dd7ff69dba349f2a84e471867571501fb58d5a1","filename":"ut-system-rocip-program_multi-carrier_2017-2023.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"The document is a multi-component packet. Page 1 is the Commercial General Liability Coverage Part Declarations (form U-GL-D-1115-B CW) for policy GLO 0183287-00. The named insured appears truncated on the declarations page as 'THE BOARD OF REGENTS OF THE'; page 2 completes it as 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM'. The packet also contains: a CGL coverage form (CG 00 01 04 13, pages 5-19), and numerous endorsements (pages 2-4 and 20-30) including Fellow Employee Coverage, Designated Project Declarations (two versions), Named Insured OCIP, Extended Ongoing Operations Coverage, Extended Completed Operations, Notice of Occurrence, Sudden & Accidental Pollution, and Unintentional Failure to Disclose Hazards. The dominant document is the declarations page; the remainder are attached forms and endorsements. Policy period: 08-01-2017 to 08-01-2023. Named insured confidence is medium because the declarations page prints only a partial name.","carrier":{"value":"ZURICH AMERICAN INSURANCE COMPANY","citation":{"page":1,"quote":"ZURICH AMERICAN INSURANCE COMPANY","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"pageCount":316,"confidence":"medium","namedInsured":{"value":"THE BOARD OF REGENTS OF THE","citation":{"page":1,"quote":"Named Insured THE BOARD OF REGENTS OF THE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"policyNumber":{"value":"GLO 0183287-00","citation":{"page":1,"quote":"Policy Number: GLO 0183287-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":316,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"ut-system-rocip-program_multi-carrier_2017-2023","role":"primary","term":{"effective":{"value":"2017-08-01","citation":{"page":135,"quote":"Policy Period: Coverage begins 08-01-2017 at 12:01 A.M.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":135,"quote":"Coverage ends 08-01-2023 at 12:01 A.M.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"The declarations page (page 1) states 'See Schedule of Forms and Endorsements' for Item 5 but no separate schedule of forms page was provided among the documents given; the forms listed here are drawn from form numbers appearing on individual endorsement pages in the packet. The named insured on page 1 is truncated as 'THE BOARD OF REGENTS OF THE' — the full name 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM' appears on page 2. This is a primary CGL policy issued as part of an Owner Controlled Insurance Program (OCIP) for the University of Texas System Rolling Owner Controlled Insurance Program Phase VII. No deductible or self-insured retention amount is printed in the pages provided; the endorsement on page 24 references a 'COMMERCIAL GENERAL LIABILITY DEDUCTIBLE ENDORSEMENT' but that endorsement was not provided. The perProjectAggregate field is populated based on endorsement U-GL-D-1306-B CW (page 3) which selects option B (Products-Completed Operations Aggregate Limit applies separately to each designated project) for projects $100,000,000 or greater; however for projects under $100,000,000 (page 4) option A is selected (limit applies once for all designated projects). This split treatment is noted. The retroactive date is listed as NONE under Item 3 which is labeled 'CG 00 02 ONLY' — the base form used is CG 00 01 04 13 (occurrence form), so the retroactive date field is not applicable; it is reported as printed. Defense outside limits is inferred from CG 00 01 04 13 standard language: supplementary payments including defense costs are stated as not reducing limits of insurance. The policy term runs from 08-01-2017 to 08-01-2023, a six-year term, which is unusual; confidence is medium on term fields as this matches what is printed but is a long policy period.","limits":{"eachOccurrence":{"value":2000000,"citation":{"page":135,"quote":"EACH OCCURRENCE LIMIT $ 2,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":135,"quote":"GENERAL AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":{"value":5000000,"citation":{"page":137,"quote":"X B. The Products-Completed Operations Aggregate Limit applies separately to each \"designated project\" for which B. is selected.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"personalAdvertisingInjury":{"value":2000000,"citation":{"page":135,"quote":"PERSONAL AND ADVERTISING INJURY LIMIT $ 2,000,000 Any one person or organization","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":5000000,"citation":{"page":135,"quote":"PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"carrier":{"value":"ZURICH AMERICAN INSURANCE COMPANY","citation":{"page":135,"quote":"ZURICH AMERICAN INSURANCE COMPANY","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["ut-system-rocip-program_multi-carrier_2017-2023"],"namedInsured":{"value":"THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM","citation":{"page":136,"quote":"THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM 210 W 7TH ST AUSTIN TX 78701","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"GLO 0183287-00","citation":{"page":135,"quote":"Policy Number: GLO 0183287-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"restrictions":[{"label":"Alternate Employer","where":"endorsement","citation":{"page":66,"quote":"WC 99 00 02 ALTERNATE EMPLOYER ENDT","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 99 00 02","carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","citation":{"page":66,"quote":"WC 00 03 01 DESIGNATED WORKPLACES EXCLUSION ENDT","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 03 01","carrierNoticedReduction":false},{"label":"Notification of Change in Ownership","where":"endorsement","citation":{"page":66,"quote":"WC 00 03 02 NOTIFICATION OF CHANGE IN OWNERSHIP ENDT","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 03 02","carrierNoticedReduction":false},{"label":"Texas Amendatory Endorsement","where":"endorsement","citation":{"page":66,"quote":"WC 42 03 01 TEXAS AMENDATORY ENDORSEMENT","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 42 03 01","carrierNoticedReduction":false},{"label":"Texas Waiver of Right to Recover","where":"endorsement","citation":{"page":66,"quote":"WC 42 03 04 B TX-WAIVER OF OUR RIGHT TO RECOVER","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 42 03 04","carrierNoticedReduction":false},{"label":"Large Deductible Endorsement","where":"endorsement","citation":{"page":66,"quote":"WC 42 04 07 LARGE DEDUCTIBLE ENDORSEMENT","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 42 04 07","carrierNoticedReduction":false},{"label":"Combined Aggregate Deductible","where":"endorsement","citation":{"page":66,"quote":"UGUD639A COMBINED AGGREGATE DEDUCTIBLE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"UGUD639A","carrierNoticedReduction":false},{"label":"Liability assumed under a contract","where":"base-form","citation":{"page":75,"quote":"Liability assumed under a contract. This exclusion does not apply to a warranty that your work will be done in a workmanlike manner","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Punitive or exemplary damages","where":"base-form","citation":{"page":75,"quote":"Punitive or exemplary damages because of bodily injury to an employee employed in violation of law","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury to employee employed in violation of law","where":"base-form","citation":{"page":75,"quote":"Bodily injury to an employee while employed in violation of law with your actual knowledge or the actual knowledge of any of your executive officers","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Workers compensation obligations","where":"base-form","citation":{"page":75,"quote":"Any obligation imposed by a workers compensation, occupational disease, unemployment compensation, or disability benefits law, or any similar law","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury intentionally caused or aggravated","where":"base-form","citation":{"page":75,"quote":"Bodily injury intentionally caused or aggravated by you","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury outside United States, territories, or Canada","where":"base-form","citation":{"page":75,"quote":"Bodily injury occurring outside the United States of America, its territories or possessions, and Canada. This exclusion does not apply to bodily injury to a citizen or resident of the United States of America or Canada who is temporarily outside these countries","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Damages from personnel practices and discrimination","where":"base-form","citation":{"page":75,"quote":"Damages arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination against or termination of any employee, or any personnel practices, policies, acts or omissions","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Longshore and Harbor Workers' Compensation Act","where":"base-form","citation":{"page":75,"quote":"Bodily injury to any person in work subject to the Longshore and Harbor Workers' Compensation Act (33 U.S.C. 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Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an \"insured\" under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"IL 00 21","carrierNoticedReduction":false},{"label":"Sanctions exclusion","where":"endorsement","citation":{"page":105,"quote":"we shall not provide coverage nor will we make any payments or provide any service or benefit to any insured, beneficiary, or third party who may have any rights under this policy to the extent that such cover, payment, service, benefit, or any business or activity of the insured would violate any applicable trade or economic sanctions law or regulation","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GU-1191-A CW","carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law — Coverage A","where":"endorsement","citation":{"page":126,"quote":"Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury\" or 'property damage\" directly or indirectly arising out of or based upon 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 Transaction 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, or any other legal liability, at common law or otherwise, that addresses, prohibits, or limits the printing, dissemination, disposal, monitoring, collecting, recording, use of, sending, transmitting, communicating or distribution of material or information.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1517-B","carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law — Coverage B","where":"endorsement","citation":{"page":127,"quote":"Recording And Distribution Of Material Or Information In Violation Of Law \"Personal and advertising injury\" directly or indirectly arising out of or based upon 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":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1517-B","carrierNoticedReduction":false},{"label":"Silica or Silica Mixed Dust Exclusion","where":"endorsement","citation":{"page":134,"quote":"Silica or Silica Mixed Dust A. \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" caused directly or indirectly, in whole or in part, by the actual, alleged or threatened inhalation, ingestion, absorption, exposure to, existence of or presence of \"silica\"; or B. Loss, costs or expenses arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any manner responding to or assessing the effects of \"silica\" by any insured or by any other person or entity.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-923-B","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","citation":{"page":140,"quote":"Expected Or Intended Injury Bodily injury or property damage\" expected or intended from the standpoint of the insured. This exclusion does not apply to 'bodily injury' resulting from the use of reasonable force to protect persons or property.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":140,"quote":"Contractual Liability \"Bodily injury\" or 'property damage\"for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages: (1) That the insured would have in the absence of the contract or agreement; or (2) Assumed in a contract or agreement that is an \"insured contract\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Liquor Liability","where":"base-form","citation":{"page":140,"quote":"Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws","where":"base-form","citation":{"page":140,"quote":"Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Employer's Liability","where":"base-form","citation":{"page":140,"quote":"Employer's Liability \"Bodily injury\" to: (1) An \"employee\" of the insured arising out of and in the course of: (a) Employment by the insured; or (b) Performing duties related to the conduct of the insured's business; or (2) The spouse, child, parent, brother or sister of that \"employee\" as a consequence of Paragraph (1) above.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":140,"quote":"Pollution (1) \"Bodily injury' or 'property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\": (a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to, any insured.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Aircraft, Auto Or Watercraft","where":"base-form","citation":{"page":142,"quote":"Aircraft, Auto Or Watercraft \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, 'auto\" or watercraft owned or operated by or rented or loaned to any insured.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Mobile Equipment","where":"base-form","citation":{"page":142,"quote":"Mobile Equipment \"Bodily injury\" or \"property damage\" arising out of: (1) The transportation of \"mobile equipment\" by an 'auto\" owned or operated by or rented or loaned to any insured; or (2) The use of \"mobile equipment\" in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition, or stunting activity.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":142,"quote":"War \"Bodily injury\" or \"property damage\", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Damage To Property","where":"base-form","citation":{"page":141,"quote":"Damage To Property \"Property damage\" to: (1) Property you own, rent, or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Damage To Your Product","where":"base-form","citation":{"page":142,"quote":"Damage To Your Product \"Property damage' to \"your product\" arising out of it or any part of it.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Damage To Your Work","where":"base-form","citation":{"page":142,"quote":"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":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Damage To Impaired Property Or Property Not Physically Injured","where":"base-form","citation":{"page":143,"quote":"Damage To Impaired Property Or Property Not Physically Injured \"Property damage\" to \"impaired property\" or property that has not been physically injured, arising out of: (1) A defect, deficiency, inadequacy or dangerous condition in \"your product\" or \"your work\"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Recall Of Products, Work Or Impaired Property","where":"base-form","citation":{"page":143,"quote":"Recall Of Products, Work Or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) 'Your product\"; (2) 'Your work\"; or (3) \"Impaired property\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Personal And Advertising Injury","where":"base-form","citation":{"page":142,"quote":"Personal And Advertising Injury \"Bodily injury\" arising out of \"personal and advertising injury\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Electronic Data","where":"base-form","citation":{"page":142,"quote":"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. However. this exclusion does not apply to liability for damages because of 'bodily injury\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law — Base Form Coverage A","where":"base-form","citation":{"page":143,"quote":"Recording And Distribution Of Material Or Information In Violation Of Law \"Bodily injury\" or \"property damage\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (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)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Knowing Violation Of Rights Of Another — Coverage B","where":"base-form","citation":{"page":144,"quote":"Knowing Violation Of Rights Of Another \"Personal and advertising injury\" caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict \"personal and advertising injury\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Material Published With Knowledge Of Falsity","where":"base-form","citation":{"page":144,"quote":"Material Published With Knowledge Of Falsity \"Personal and advertising injury\" arising out of oral or written publication, in any manner, of material, if done by or at the direction of the insured with knowledge of its falsity.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Material Published Prior To Policy Period","where":"base-form","citation":{"page":144,"quote":"Material Published Prior To Policy Period \"Personal and advertising injury\" arising out of oral or written publication, in any manner, of material whose first publication took place before the beginning of the policy period.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Criminal Acts","where":"base-form","citation":{"page":144,"quote":"Criminal Acts \"Personal and advertising injury\" arising out of a criminal act committed by or at the direction of the insured.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Contractual Liability — Coverage B","where":"base-form","citation":{"page":144,"quote":"Contractual Liability \"Personal and advertising injury\" for which the insured has assumed liability in a 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":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Breach Of Contract","where":"base-form","citation":{"page":144,"quote":"Breach Of Contract \"Personal and advertising injury\" arising out of a breach of contract, except an implied contract to use another's advertising idea in your 'advertisement\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Quality Or Performance Of Goods — Failure To Conform To Statements","where":"base-form","citation":{"page":144,"quote":"Quality Or Performance Of Goods — Failure To Conform To Statements 'Personal and advertising injury\" arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your 'advertisement\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Wrong Description Of Prices","where":"base-form","citation":{"page":144,"quote":"Wrong Description Of Prices injury\" arising out of the price of goods, stated in your 'Personal and advertising the wrong description of products or services 'advertisement\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Infringement Of Copyright, Patent, Trademark Or Trade Secret","where":"base-form","citation":{"page":145,"quote":"Infringement Of Copyright, Patent, Trademark Or Trade Secret \"Personal and advertising injury\" arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Insureds In Media And Internet Type Businesses","where":"base-form","citation":{"page":145,"quote":"Insureds In Media And Internet Type Businesses 'Personal and advertising injury\" committed by an insured whose business is: (1) Advertising, broadcasting, publishing or telecasting; (2) Designing or determining content of web sites for others; or (3) An Internet search, access, content or service provider.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Electronic Chatrooms Or Bulletin Boards","where":"base-form","citation":{"page":145,"quote":"Electronic Chatrooms Or Bulletin Boards \"Personal and advertising injury\" arising out of an electronic chatroom or bulletin board the insured hosts, owns, or over which the insured exercises control.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Unauthorized Use Of Another's Name Or Product","where":"base-form","citation":{"page":145,"quote":"Unauthorized Use Of Another's Name Or Product \"Personal and advertising injury\" arising out of the unauthorized use of another's name or product in your e-mail address, domain name or metatag, or any other similar tactics to mislead another's potential customers.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Pollution — Coverage B","where":"base-form","citation":{"page":145,"quote":"Pollution \"Personal and advertising injury\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Pollution-related","where":"base-form","citation":{"page":145,"quote":"Pollution-related Any loss, cost or expense arising out of any: (1) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, \"pollutants\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"War — Coverage B","where":"base-form","citation":{"page":145,"quote":"War \"Personal and advertising injury\", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law — Base Form Coverage B","where":"base-form","citation":{"page":145,"quote":"Recording And Distribution Of Material Or Information In Violation Of Law \"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)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","citation":{"page":165,"quote":"Fungi or Bacteria A. \"Bodily injury\", \"property damage' or 'personal and advertising injury \" caused directly or indirectly by the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any: 1. 'fungi\"or \"bacteria\"; or 2. Substance, vapor or gas produced by or arising out of any \"fungi\" or \"bacteria\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1171-A","carrierNoticedReduction":false},{"label":"Sudden & Accidental Pollution","where":"endorsement","citation":{"page":162,"quote":"TOTAL POLLUTION EXCLUSION WITH A BUILDING HEATING, COOLING AND DEHUMIDIFYING EQUIPMENT EXCEPTION, HOSTILE FIRE EXCEPTION, AND SHORT—TERM DISCHARGE EXCEPTION ... EXCLUSION F. UNDER PARAGRAPH 2. EXCLUSIONS OF SECTION I - COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY IS REPLACED BY THE FOLLOWING: THIS INSURANCE DOES NOT APPLY TO: F. POLLUTION (1) \"BODILY INJURY\" OR \"PROPERTY DAMAGE\" WHICH WOULD NOT HAVE OCCURRED IN WHOLE OR PART BUT FOR THE ACTUAL, ALLEGED OR THREATENED DISCHARGE, DISPERSAL, SEEPAGE, MIGRATION, RELEASE OR ESCAPE OF \"POLLUTANTS\" AT ANY TIME.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1114-A","carrierNoticedReduction":false},{"label":"Exclusion - Additional Insured — Professional Services","where":"endorsement","citation":{"page":166,"quote":"This insurance does not apply to: \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of the rendering of, or failure to render, any professional architectural, engineering or surveying services","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1175-F","carrierNoticedReduction":false},{"label":"Limited Contractual Liability","where":"endorsement","citation":{"page":168,"quote":"Paragraph f. does not include that part of any contract or agreement: (1) That indemnifies a railroad for 'bodily injury\" or \"property damage\" arising out of construction or demolition operations","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1180-A","carrierNoticedReduction":false},{"label":"Exclusion — Exterior Insulation and Finish Systems","where":"endorsement","citation":{"page":169,"quote":"This insurance does not apply to \"bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, caused by, or attributable, whether in whole or in part, to the following: 1. The design, manufacture, construction, fabrication, preparation, distribution and sale, installation, application, maintenance or repair, including remodeling, service, correction or replacement, of any \"exterior insulation and finish system\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1265-B","carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","citation":{"page":177,"quote":"This insurance does not apply to: Lead (1) \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, resulting from, caused by or related to: the actual, alleged or threatened: (a) Exposure to or existence of lead, paint containing lead, or any other material, product or substance containing lead","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1342-A","carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","citation":{"page":178,"quote":"This insurance does not apply to: Asbestos A. \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of or which would not have occurred, in whole or in part, but for the actual, alleged or threatened discharge, dispersal, release, leakage, leaching, friability, flaking, escape or presence of asbestos","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GC-1178-A","carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Project(s)","where":"endorsement","citation":{"page":182,"quote":"The insurance provided by this policy applies only to \"bodily injury\", \"property damage\", \"personal and advertising injury\" and medical expenses arising out of the \"designated project(s)\" shown in the SCHEDULE above.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1305-A","carrierNoticedReduction":false},{"label":"Damage to the Project Exclusion","where":"endorsement","citation":{"page":181,"quote":"Solely with respect to any \"designated project\", exclusion j. of Paragraph 2. Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: 2. Exclusions This insurance does not apply to: j. Damage to Property \"Property damage\" to: (1) Property you own, rent, or occupy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1301-B-CW","carrierNoticedReduction":false},{"label":"Products-Completed Operations Aggregate Limit - $25,000,000","where":"endorsement","citation":{"page":186,"quote":"Policy Products-Completed Operations Aggregate Limit $ 25, 000, 000 All Projects Combined","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":25000000,"formNumber":"U-GL-1313-A-CW","carrierNoticedReduction":false},{"label":"Exclusion — Electronic Data Liability","where":"endorsement","citation":{"page":189,"quote":"Loss Of Electronic Data Limit: $2,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":2000000,"formNumber":"CG 04370514","carrierNoticedReduction":false},{"label":"Total Pollution Exclusion with Building Heating Equipment Exception","where":"endorsement","citation":{"page":191,"quote":"This insurance does not apply to: t. Pollution (1) \"Bodily injury' or \"property damage\" which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or es cape of \"pollutants\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 27 65 12 04","carrierNoticedReduction":false},{"label":"Exclusion — Contractors — Professional Liability","where":"endorsement","citation":{"page":192,"quote":"This insurance does not apply to bodily injury', \"property damage\" or \"personal and advertising injury\" arising out of the rendering of or failure to render any professional services by you or on your behalf","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 22790413","carrierNoticedReduction":false},{"label":"Texas Changes — Employment-Related Practices Exclusion","where":"endorsement","citation":{"page":195,"quote":"This insurance does not apply to: Bodily injury' to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that persons employment; or (c) Employment-related practices, policies, acts or omissions","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 26391207","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Commercial General Liability Coverage Part Declarations","citation":{"page":135,"quote":"COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"edition":{"value":"9/04","citation":{"page":135,"quote":"U-GL-D-1 115-B CW (9/04)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-D-1115-B CW","citation":{"page":135,"quote":"U-GL-D-1 115-B CW (9/04)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Fellow Employee 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An Employer's Liability policy (WC0183286) with $1,000,000 limits is also listed as underlying. The attachment point reported ($2,000,000) reflects the GL per-occurrence retained limit as the most relevant figure for excess-layer tower purposes, but the full retained limit across all underlying policies is not printed as a single number. 2. DEFENSE INSIDE LIMITS: The excess policy states 'Defense costs and expenses shall operate in an identical manner to the followed policy.' The followed policy (Zurich GL, GLO 4353409-00) is not provided in this document set; its treatment is referenced but not reprinted. The Schedule of Underlying (page 7) notes 'Defense Treatment: Outside the Limit' for both underlying policies, which supports 'no' for the excess layer following the same treatment. Confidence is therefore medium rather than high. 3. PRODUCTS-COMPLETED OPS AGGREGATE: The Limits of Insurance Construction Modification endorsement (page 19-21) replaces the declarations Item 3.C. with a complex per-project structure. The per-project limit of $25,000,000 is reported in perProjectAggregate. A Policy Aggregate Products-Completed Operations Maximum Limit of $125,000,000 is also printed (page 20) but does not map to a schema field; noted here for completeness. 4. TERRORISM SIR: The Act of Terrorism Self-Insured Retention Endorsement (CL-UN-083-01/2015, page 11) references an 'Act of Terrorism Self-Insured Retention: $' but the dollar amount field is blank in the document as scanned; no figure was printed, so no value is reported. 5. FORM BASIS: The policy cover page states 'THIS POLICY MAY CONTAIN OCCURRENCE, CLAIMS MADE, OR CLAIMS MADE AND REPORTED COVERAGES' but the policy follows the form of the underlying GL policy which is an occurrence policy. The declarations structure and binder reference occurrence-basis coverage; formBasis is reported as occurrence. 6. The binder document (pages 23-30) is an exhibit attached to the excess policy per endorsement FF-XS-005-07/2014; values from it are not separately extracted as policy terms but are noted.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":198,"quote":"A. Per Occurrence $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":198,"quote":"B. 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The drop-down provision expressly applies only to the 'no drop-down for excluded or limited coverage' scenario (Item 2.b underlying); the policy does contain a provision (page 5) that upon exhaustion of applicable underlying aggregate limits it will 'continue in force as Lead Underlying Insurance,' which is a form of drop-down on exhaustion. However, the explicit anti-drop-down language cited is the clearest printed statement and applies to the Item 2.b underlying layer gap scenario. Given that this is a follow-form excess and upon aggregate exhaustion it does continue in force, 'dropsDownOnUnderlyingExhaustion' is set to 'no' for the gap/exclusion scenario per the explicit language quoted, but readers should note the exhaustion continuation clause on page 5. 4. The products/completed ops aggregate of $25,000,000 appears in the Schedule of Underlying Insurance (page 3) for the underlying policy, not as a separate limit of this excess policy itself; the declarations only list 'Each Occurrence' and 'Aggregate' for this policy's own limits. 5. No retention (deductible or SIR) is printed for this excess policy. 6. The form number on page 2 printed as 'CC-i Kllh' appears to be a scan artifact for 'CC-1K11h' as confirmed by the actual endorsement on page 10. 7. The policy term of 08/01/2017 to 08/01/2023 is an unusually long six-year period; this is printed consistently across multiple pages and is transcribed as printed.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":265,"quote":"Item 3. 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Underlying Limits: a) USD $ 25,000,000 Each Occurrence\n(Insuring Agreement 2.) b) USD $ 25,000,000 Aggregate\nwhich in turn is excess of any applicable limits and/or retentions\nas more fully set forth in the Lead Underlying Policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"Berkshire Hathaway Specialty Insurance","citation":{"page":267,"quote":"Carrier: Berkshire Hathaway Specialty Insurance","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"effective":{"value":"2017-08-01","citation":{"page":267,"quote":"Policy Period: 08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":267,"quote":"Policy Period: 08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"47-XSF-304056-01","citation":{"page":267,"quote":"Policy# 47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"eachOccurrence":{"value":25000000,"citation":{"page":267,"quote":"a) USD $25,000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":267,"quote":"b) USD $25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":{"page":269,"quote":"Defense costs and expenses shall operate in an identical manner to the Lead Underlying Policy as respects whether defense costs and expenses are included within the limits of liability or are in addition to the limits of liability.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"dropsDownOnUnderlyingExhaustion":"no","dropsDownOnUnderlyingExhaustionSource":{"page":268,"quote":"It is, however, specifically agreed that if any of the Underlying Policy/ies stated in Item 2. b) of the Declarations exclude or limit any part of the coverage provided by the Lead Underlying Policy stated in Item 2. a) of the Declarations, then this Policy shall not drop down to apply in the place of such excluded or limited coverage and the Insured shall be considered as a self insurer to the extent that there is no other available insurance to cover the deficit.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},{"id":"ut-system-rocip-program_multi-carrier_2017-2023#p280","role":"excess","term":{"effective":{"value":"2017-08-01","citation":{"page":280,"quote":"From: August 1, 2017 to August 1, 2023 both days at 12:01 am. Standard Time at the address of the Named Insured.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":280,"quote":"From: August 1, 2017 to August 1, 2023 both days at 12:01 am. Standard Time at the address of the Named Insured.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"1. Policy is a Following Form Excess Liability Policy issued by Starr Indemnity & Liability Company on the Marsh XSellence form 10/2014 (Occ). 2. The defenseInsideLimits cannot be determined from this policy alone: the policy states defense costs 'shall operate in an identical manner to the Lead Underlying Policy as respects whether defense costs and expenses are included within the limits of liability or are in addition to the limits of liability.' The Lead Underlying Policy (Berkshire Hathaway 47-XSF-304056-01) was not provided. 3. The attachment point of $50,000,000 per occurrence and aggregate represents the Underlying Limits as stated in Item 4 of the Declarations, which in turn is excess of any applicable limits and/or retentions as more fully set forth in the Lead Underlying Policy. The actual attachment of this policy above the primary/GL layer is therefore higher than $50M per occurrence once the underlying retentions and lower layers are factored. 4. There is a discrepancy in the expiration date: the Declarations (page 1) state August 1, 2023, while the Schedule of Underlying Insurance (page 5) states 08/31/2023 for all underlying policies. The main policy term is read from the Declarations (2023-08-01). 5. The terrorism endorsement schedule (XSM-343) shows a blank Retained Amount—the dollar figure was not filled in. 6. Page 22 contains an Important Notice from Liberty Mutual (form NP 93 98 10 13) and pages 23-24 contain a Liberty Mutual terrorism disclosure (NP 73 12 01 15 / NP 73 72 07 15) referencing a different policy number (ECO(23)58071429) for The University of Texas System—these appear to be attached documents related to an underlying policy, not this Starr excess policy. They are not listed in Item 8 Endorsements and are not included in the formsSchedule. 7. No per-project aggregate is printed for this excess policy; the Limitation of Coverage to Designated Premises or Project endorsement (XS-175) limits coverage to designated projects but does not establish a per-project limit. 8. No retention (deductible or SIR) is printed on this excess policy itself.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":280,"quote":"a) $ 25,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":280,"quote":"b) $ 25,000,000 Aggregate Where Applicable","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"Starr Indemnity & Liability Company","citation":{"page":280,"quote":"Starr Indemnity & Liability Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["ut-system-rocip-program_multi-carrier_2017-2023"],"namedInsured":{"value":"University of Texas ROCIP VII and as more fully set forth in the Lead Underlying Policy","citation":{"page":280,"quote":"University of Texas ROCIP VII\nand as more fully set forth in the Lead Underlying Policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"1000023859","citation":{"page":280,"quote":"Policy No.: 1000023859","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"restrictions":[{"label":"Texas Pollution Amendatory Exclusion","where":"endorsement","citation":{"page":289,"quote":"Ultimate net loss arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"XS — 369 TX","carrierNoticedReduction":false},{"label":"Pollution Exclusion","where":"endorsement","citation":{"page":295,"quote":"\"Ultimate Net Loss\" arising out of an actual, alleged or threatened 'pollution incident\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"XS — 363 TX","carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Premises or Project","where":"endorsement","citation":{"page":298,"quote":"This insurance applies only to 'Ultimate Net Loss\" arising out of: 1. 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08/31/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"GL00183287","citation":{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":284,"quote":"$2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":284,"quote":"$5,000,000 General Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":{"page":282,"quote":"Defense costs and expenses shall operate in an identical manner to the Lead Underlying Policy as respects whether defense costs and expenses are included within the limits of liability or are in addition to the limits of 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The Lead Underlying Policy (Berkshire Hathaway, 47-XSF-304056-01) was not provided in this packet, so the actual treatment cannot be determined from these pages alone. The attachment point of $50,000,000 each occurrence / $50,000,000 aggregate is the Underlying Limits stated in Item 4 of the Declarations, which in turn is excess of any applicable limits and/or retentions as set forth in the Lead Underlying Policy. The Starr Indemnity & Liability Company line (policy 1000023859) is a quota share participant sharing the same layer as this policy per endorsement CE 75 06 01 15: Ohio Casualty's $25,000,000 is 50% of the $50,000,000 layer. The schedule of underlying insurance on page 3 shows the Indemnity Insurance Company of North America line as 'EXCESS OF $25,000,000 EACH OCCURRENCE / $25,000,000 AGGREGATE,' indicating that line sits above the Berkshire lead umbrella. The productsCompletedOpsAggregate for the Berkshire underlying is stated on the schedule page (page 3) as '$25,000,000 PRODUCTS-COMPLETED OPERATIONS AGGREGATE' but is not separately printed for this policy's own limits table, so it is omitted from this policy's limits.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":304,"quote":"a) $ 25000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":304,"quote":"b) $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"Ohio Casualty Insurance Company","citation":{"page":304,"quote":"Coverage is Provided In: Ohio Casualty Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["ut-system-rocip-program_multi-carrier_2017-2023"],"namedInsured":{"value":"THE UNIVERSITY OF TEXAS SYSTEM","citation":{"page":304,"quote":"Named Insured: THE UNIVERSITY OF TEXAS SYSTEM","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"ECO (23) 58 07 14 29","citation":{"page":304,"quote":"Policy No.: ECO (23) 58 07 14 29","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"restrictions":[{"label":"Non Following Form Exclusions","where":"endorsement","citation":{"page":310,"quote":"This Policy shall not provide coverage afforded by the Lead Underlying Policy for the following: Crisis Management or Crisis Response Endorsement Accident Insurance Endorsement Uninsured/Underinsured Motorists (UM/UIM) Endorsement Liberalization Clause Sublimit of liability, unless such sublimit is specifically endorsed to this Policy.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CE 75 10 01 15","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":311,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Program Year (January 1 through December 31) 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":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CE 75 13 01 15","carrierNoticedReduction":false},{"label":"Nuclear Exclusion","where":"endorsement","citation":{"page":314,"quote":"This insurance does not apply to: A. 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