{"id":"review-mt6m24xv","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 reading proceeded without: Underlying policy GLO 4353409-00 scheduled by 47-XSF-304056-01; Underlying policy WC0183286 scheduled by 47-XSF-304056-01; Underlying policy WCO183286 scheduled by 1000023859. Each absence is flagged and cited; no person was asked."],"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","expectation:1000023859:wco183286"],"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.: GLOOJ 83287","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.: WCO1 83286","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.: GL00183287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:1000023859:wco183286","what":"Underlying policy WCO183286 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: WCO1 83286","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 29","basis":"cited","source":{"page":306,"quote":"1000023859","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"documentsRead":["ut-system-rocip-program_multi-carrier_2017-2023"]},"answers":[{"state":"fail","message":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","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":"fail","message":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"fail","message":"The policies name different insureds. A tower is one entity's coverage, so stacking policies belonging to two entities produces a total nobody actually has. Confirm these belong together before the figures are relied on.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"fail","message":"Layers run on different terms. The tower changes shape partway through the year, and a loss is covered by whatever stack existed on the date it occurred.","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":"pass","message":"No endorsement announces itself as a reduction in coverage. Other restrictions may still be attached; this asks only what the carrier flagged.","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":[{"line":"WC/EL","role":"unknown","limit":1000000,"carrier":"Zurich America","inTower":false,"sources":{"limit":{"page":284,"quote":"$1,000,000 Bodily Injury By Accident- Each Occurence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":284,"quote":"Carrier: Zurich America","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":284,"quote":"Policy No.: WCO1 83286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"scheduled-2","effective":"2017-08-01","formBasis":"unknown","deductible":null,"expiration":"2023-08-31","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},{"line":"WC/EL","role":"unknown","limit":1000000,"carrier":"Zurich America","inTower":true,"sources":{"limit":{"page":284,"quote":"$1,000,000 Per Occurence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":284,"quote":"Carrier: Zurich America","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":284,"quote":"Policy No.: WCO1 83286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":284,"quote":"$1,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"scheduled-3","effective":"2017-08-01","formBasis":"unknown","deductible":null,"expiration":"2023-08-31","formNumbers":[],"namedInsured":null,"policyNumber":"WCO183286","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":1000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"primary","limit":2000000,"carrier":"ZURICH AMERICAN INSURANCE COMPANY","inTower":true,"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 0183287-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":135,"quote":"GENERAL AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"perProjectAggregate":{"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"},"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","CG 00 01 04 13","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},{"line":"General Liability","role":"unknown","limit":2000000,"carrier":"Zurich American Insurance Company","inTower":true,"sources":{"limit":{"page":204,"quote":"$2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":204,"quote":"Zurich American Insurance Company","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},{"line":null,"role":"excess","limit":25000000,"carrier":"Berkshire Hathaway Specialty Insurance Company","inTower":true,"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":"General Liability Zurich American Insurance Company 08/01/2017 to 08/01/2023 Policy #GLO 4353409-00 $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},{"line":null,"role":"excess","limit":25000000,"carrier":"Indemnity Insurance Company of North America","inTower":true,"sources":{"limit":{"page":265,"quote":"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","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":"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":["XSM-43896","ALL-38009","XSM-43898","ALL-20887A","XS-28500A","IL P 001","CC-1K11H","XSM-43899","XSC-27522A","TRIA 11D","ALL-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},{"line":null,"role":"excess","limit":25000000,"carrier":"Starr Indemnity & Liability Company","inTower":true,"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":280,"quote":"a) $ 50,000,000 Per Occurrence\nb) $ 50,000,000 Aggregate Where Applicable\nwhich in turn is excess of any applicable limits and/or retentions as more fully set forth in the Lead Underlying Policy","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","XS 102 (10-08)","XSM-343","XSM-344","XS-369 TX","XS-301 TX","XS-363 TX","XS-331 TX","XS-175"],"namedInsured":"University of Texas ROCIP VII and as more fully set forth in the Lead Underlying Policy","policyNumber":"1000023859","scheduledOnly":false,"attachmentPoint":50000000,"exhaustionPoint":75000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":25000000,"carrier":"Ohio Casualty Insurance Company","inTower":true,"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":75000000,"exhaustionPoint":100000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null}],"totalLimit":100000000,"towerIssues":[{"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-2"]},{"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-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000023859 names WC0183286, which was not provided.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","scheduled-2"]},{"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":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000023859 names WCO183286, which was not provided.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","scheduled-3"]},{"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":25000000,"detail":"ECO (23) 58 07 14 29 is placed at 75,000,000, where 1000023859 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#p280","ut-system-rocip-program_multi-carrier_2017-2023#p304"]},{"kind":"attachment-overlap","amount":2000000,"detail":"1000023859 attaches below the point at which the coverage beneath it exhausts. The overlapping band is paid for twice.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p265","ut-system-rocip-program_multi-carrier_2017-2023#p280"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2017-08-01 to 2023-08-31 on WCO183286, 2017-08-01 to 2023-08-01 on GLO 0183287-00), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-3","ut-system-rocip-program_multi-carrier_2017-2023"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2017-08-01 to 2023-08-31 on WCO183286, 2017-08-01 to 2023-08-01 on GLO 4353409-00), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-3","scheduled-0"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2017-08-01 to 2023-08-31 on WCO183286, 2017-08-01 to 2023-08-01 on 47-XSF-304056-01), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-3","ut-system-rocip-program_multi-carrier_2017-2023#p198"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2017-08-01 to 2023-08-31 on WCO183286, 2017-08-01 to 2023-08-01 on XSM G46798673 001), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-3","ut-system-rocip-program_multi-carrier_2017-2023#p265"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2017-08-01 to 2023-08-31 on WCO183286, 2017-08-01 to 2023-08-01 on 1000023859), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-3","ut-system-rocip-program_multi-carrier_2017-2023#p280"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2017-08-01 to 2023-08-31 on WCO183286, 2017-08-01 to 2023-08-01 on ECO (23) 58 07 14 29), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-3","ut-system-rocip-program_multi-carrier_2017-2023#p304"]}],"restrictions":[{"label":"Liability assumed under a contract","where":"base-form","source":"policy-language","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"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"WC 00 00 00 C","alsoProvisions":["Punitive or exemplary damages because of bodily injury to an employee employed in violation of law","Bodily injury to an employee while employed in violation of law with actual knowledge","Any obligation imposed by workers compensation or occupational disease law","Bodily injury intentionally caused or aggravated","Bodily injury occurring outside the United States, territories, possessions, and Canada","Damages arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or termination of employee","Bodily injury subject to Longshore and Harbor Workers' Compensation Act and other federal acts","Bodily injury subject to Federal Employers' Liability Act and other federal laws obligating employer to pay damages","Bodily injury to master or member of crew of vessel and punitive damages related to maritime law","Fines or penalties imposed for violation of federal or state law","Damages payable under Migrant and Seasonal Agricultural Worker Protection Act"],"carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","source":"policy-language","citation":{"page":80,"quote":"The policy does not cover work conducted at or from ANY LOCATION EXCEPT THE CONFINES OF THE PROJECT SITE AS DESCRIBED BELOW","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"WC 00 0302","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Sanctions Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GU-1191-A CW","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":108,"quote":"If aggregate insured losses attributable to one or more \"certified acts of terrorism\" exceed $100 billion in a calendar 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","subLimit":null,"formNumber":"U-GU-767-B CW","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":117,"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":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"IL 00 21","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law","where":"endorsement","source":"policy-language","citation":{"page":126,"quote":"Recording And Distribution Of Material Or Information In Violation Of Law\n\nThis endorsement modifies insurance provided under the:\nCommercial General Liability Coverage Part\n\nA. Exclusion q. Recording And Distribution Of Material Or Information In Violation Of Law of Paragraph 2. Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following:\n\n2. Exclusions\nThis insurance does not apply to:\nq. Recording And Distribution Of Material Or Information In Violation Of Law\n\"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:\n(1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law;\n(2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law;\n(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\n(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"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1517-B","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Silica or Silica Mixed Dust","where":"endorsement","source":"policy-language","citation":{"page":134,"quote":"Silica or Silica Mixed Dust Exclusion\n\nThis endorsement modifies insurance provided under the:\nCommercial General Liability Coverage Part\nProducts-Completed Operations Liability Coverage Part\n\nThe following additional exclusion is added to 2. Exclusions of Section I. Coverages:\n\n2. Exclusions\nThis insurance does not apply to:\nSilica or Silica Mixed Dust\nA. \"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\nB. 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"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-923-B","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Unintentional Failure to Disclose Hazards","where":"endorsement","source":"policy-language","citation":{"page":164,"quote":"Unintentional Failure to Disclose Hazards\n\nThis endorsement modifies insurance provided under the:\nCommercial General Liability Coverage Form\n\nAny unintentional error or omission in the description of, or failure to completely describe, any premises or operations intended to be covered by this Commercial General Liability Coverage Form will not invalidate or affect coverage for those premises or operations. However, you must report such error or omission to us as soon as practicable after its discovery.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1054-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":165,"quote":"Fungi Or Bacteria Exclusion Endorsement\n\nThis endorsement modifies insurance provided under the:\nCommercial General Liability Coverage Part\n\nThe following exclusion is added to paragraph 2. Exclusions of Section 1. — Coverage A — Bodily Injury And Property Damage Liability and paragraph 2. Exclusions of Coverage B — Personal And Advertising Injury Liability:\n\n2. Exclusions\nThis insurance does not apply to:\nFungi or Bacteria\nA. \"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:\n1. \"fungi\" or \"bacteria\"; or\n2. Substance, vapor or gas produced by or arising out of any \"fungi\" or \"bacteria\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1171-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":143,"quote":"k. Damage To Your Product\n\"Property damage\" to \"your product\" arising out of it or any part of it.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG 00 01","alsoProvisions":["Contractual Liability","Liquor Liability","Workers' Compensation And Similar Laws","Employer's Liability","Pollution","Aircraft, Auto Or Watercraft","Mobile Equipment","War","Damage To Property","Damage To Your Product","Damage To Your Work","Damage To Impaired Property Or Property Not Physically Injured","Recall Of Products, Work Or Impaired Property","Personal And Advertising Injury","Electronic Data","Recording And Distribution Of Material Or Information In Violation Of Law"],"carrierNoticedReduction":false},{"label":"Additional Insured — Automatic — Owners, Lessees Or Contractors; Professional Services Exclusion","where":"endorsement","source":"policy-language","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 including: a. The preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or b. Supervisory, inspection, architectural or engineering activities.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1 175-F","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limited Contractual Liability; Architect/Engineer/Surveyor Exclusion","where":"endorsement","source":"policy-language","citation":{"page":168,"quote":"That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports. surveys, field orders, change orders or drawings and specifications; or (b) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1180-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion — Exterior Insulation and Finish Systems on Residential or Frame Buildings","where":"endorsement","source":"policy-language","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\" or any part thereof","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1 265-B","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1342-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GC-1178-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Damage to the Project Exclusion","where":"endorsement","source":"policy-language","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"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1301-B-CW","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Project(s)","where":"endorsement","source":"policy-language","citation":{"page":182,"quote":"1. 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"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1 305- A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Designated Project(s) — General Aggregate Limit","where":"endorsement","source":"policy-language","citation":{"page":184,"quote":"1. The General Aggregate Limit shown in the Declarations of this policy applies separately to each designated construction project to which this policy applies.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1 310-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Amendment of Limits - Products-Completed Operations Aggregate Limit","where":"endorsement","source":"policy-language","citation":{"page":186,"quote":"The Policy Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of 'bodily injury\" and \"property damage\" within the \"products-completed operations hazard\" for all \"designated projects\" combined","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":25000000,"formNumber":"u-GL-1313 A-CW","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Electronic Data Liability; Access Or Disclosure Of Confidential Or Personal Information Exclusion","where":"endorsement","source":"policy-language","citation":{"page":189,"quote":"p. 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","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":2000000,"formNumber":"CG 04370514","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Pollution Exclusion with Building Heating, Cooling and Dehumidifying Equipment Exception and Hostile Fire Exception","where":"endorsement","source":"policy-language","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"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG 27 65 12 04","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion — Contractors — Professional Liability","where":"endorsement","source":"policy-language","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, but only with respect to either or both of the following operations: a. Providing engineering, architectural or surveying services to others in your capacity as an engineer, architect or surveyor","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG22790413","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","source":"policy-language","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, such as coercion, demotion, evaluation, reassig nment, discipline, defa mation, harassment, humiliation, discrimi na tion or malicious prosecution directed at that person","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG 2639 1207","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Violation of Communication or Information Law Exclusion","where":"endorsement","source":"policy-language","citation":{"page":205,"quote":"This policy does not provide coverage for any act that violates any statute, ordinance or regulation of any federal, state or local government, including any amendment of or addition to such laws that prohibits or limits the sending, transmitting or communicating of material or information.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"CLP-UN-O1O-07/2013","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Securities Exclusion","where":"endorsement","source":"policy-language","citation":{"page":206,"quote":"This policy does not provide coverage for any \"bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of: 1. Any violation of any securities law or similar law or any regulation promulgated thereunder","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"CLP-UN-017-07/2013","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws Exclusion","where":"endorsement","source":"policy-language","citation":{"page":210,"quote":"This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\" caused by, resulting from, or with respect to 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"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"FFP-XS-013-07/2014","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","source":"policy-language","citation":{"page":211,"quote":"Confidential or Personal Information Disclosure Exclusion This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a. unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non-public confidential or personal information in the form of \"electronic data\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"FF-X5-026-02/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":213,"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":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"CLUN-075-12/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","source":"policy-language","citation":{"page":234,"quote":"The policy does not cover work conducted at or from: Any location except the confines of the project site as described below","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"WC 0003 02","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":275,"quote":"This insurance does not apply to any loss, demand, claim or suit arising out of or related to asbestos or asbestos- containing materials.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","subLimit":null,"formNumber":"XSM43899 (01/15)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap On Losses from Certified Acts Of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":276,"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":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","subLimit":100000000000,"formNumber":"XSC-27522a (01/15)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Trade or Economic Sanctions","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 (11/06)","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 (03/09)","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 (10108)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Non Following Form Endorsement","where":"endorsement","source":"policy-language","citation":{"page":310,"quote":"NON FOLLOWING FORM ENDORSEMENT This endorsement modifies insurance provided under the following: FOLLOWING FORM EXCESS LIABILITY POLICY Notwithstanding any other provisions of this Policy, it is agreed that 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":"CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: FOLLOWING FORM EXCESS LIABILITY POLICY 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":"NUCLEAR EXCLUSION This endorsement modifies insurance provided under the following: FOLLOWING FORM EXCESS LIABILITY POLICY 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 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":316,"quote":"ASBESTOS EXCLUSION This endorsement modifies insurance provided under the following: FOLLOWING FORM EXCESS LIABILITY POLICY 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":12,"formsWithNoRestrictionFound":38},"findings":[{"id":"finding-global.attachment-continuity","layer":"global","impact":"Does every layer attach where the layer beneath it exhausts?","ruleId":"global.attachment-continuity","degraded":true,"evidence":[{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":["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","expectation:1000023859:wco183286"],"statement":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","ruleVersion":"cbb148ade44b"},{"id":"finding-global.underlying-provided","layer":"global","impact":"Was every policy named in a schedule of underlying insurance provided?","ruleId":"global.underlying-provided","degraded":true,"evidence":[{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":["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","expectation:1000023859:wco183286"],"statement":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","ruleVersion":"7364e46f4ba1"},{"id":"finding-global.same-named-insured","layer":"global","impact":"Do all the policies name the same insured?","ruleId":"global.same-named-insured","degraded":true,"evidence":[{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":["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","expectation:1000023859:wco183286"],"statement":"The policies name different insureds. A tower is one entity's coverage, so stacking policies belonging to two entities produces a total nobody actually has. Confirm these belong together before the figures are relied on.","ruleVersion":"50ad19176a63"},{"id":"finding-global.term-concurrency","layer":"global","impact":"Do all layers run on the same policy period?","ruleId":"global.term-concurrency","degraded":true,"evidence":[{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":["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","expectation:1000023859:wco183286"],"statement":"Layers run on different terms. The tower changes shape partway through the year, and a loss is covered by whatever stack existed on the date it occurred.","ruleVersion":"57030f9e857f"},{"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":189,"quote":"p. 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","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"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. Electronic Data Liability; Access Or Disclosure Of Confidential Or Personal Information Exclusion is capped at 2,000,000.","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-mt6m24xv","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-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":"ECO (23) 58 07 14 29 is placed at 75,000,000, where 1000023859 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 policy packet containing multiple components: page 1 is the Commercial General Liability Coverage Part Declarations (form U-GL-D-1115-B CW); pages 2-4 are endorsements (Fellow Employee Coverage, two Designated Project – Declarations endorsements); pages 5-19 are the Commercial General Liability Coverage Form (CG 00 01 04 13); pages 20-29 are additional endorsements (Named Insured – OCIP, Extended Ongoing Operations Coverage, Extended Completed Operations, Sudden & Accidental Pollution, Unintentional Failure to Disclose Hazards); page 30 is an endorsement with a header table showing policy number GLO 0183287 00, eff. date 08/01/2017, exp. date 08/01/2023. The document is classified as 'declarations' because page 1 is the declarations page, though the packet as a whole includes the coverage form and multiple endorsements. The named insured appears truncated on page 1 ('THE BOARD OF REGENTS OF THE') but is shown more completely on page 2 as 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM'. The policy period runs from 08-01-2017 to 08-01-2023 per page 1. Confidence is medium because the document is a mixed packet rather than a standalone declarations page, and the named insured is truncated on page 1.","packetComplete":false},{"id":"observation-ut-system-rocip-program_multi-carrier_2017-2023-citations","evidence":[],"statement":"ut-system-rocip-program_multi-carrier_2017-2023.pdf: 78 of 81 figures were confirmed against the page they cite. The remaining 3 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":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":66481,"outputTokens":591,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":73913,"outputTokens":3292,"cacheReadTokens":0,"cacheWriteTokens":2134},{"model":"claude-sonnet-4-6","inputTokens":67652,"outputTokens":5291,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":36803,"outputTokens":4334,"cacheReadTokens":0,"cacheWriteTokens":2134},{"model":"claude-sonnet-4-6","inputTokens":56520,"outputTokens":5065,"cacheReadTokens":0,"cacheWriteTokens":2134},{"model":"claude-sonnet-4-6","inputTokens":33327,"outputTokens":4331,"cacheReadTokens":0,"cacheWriteTokens":2134},{"model":"claude-haiku-4-5","inputTokens":25097,"outputTokens":1748,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":26060,"outputTokens":592,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":32402,"outputTokens":4016,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":25469,"outputTokens":3450,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":27129,"outputTokens":506,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":24532,"outputTokens":2549,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":25935,"outputTokens":2205,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4948,"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 policy packet containing multiple components: page 1 is the Commercial General Liability Coverage Part Declarations (form U-GL-D-1115-B CW); pages 2-4 are endorsements (Fellow Employee Coverage, two Designated Project – Declarations endorsements); pages 5-19 are the Commercial General Liability Coverage Form (CG 00 01 04 13); pages 20-29 are additional endorsements (Named Insured – OCIP, Extended Ongoing Operations Coverage, Extended Completed Operations, Sudden & Accidental Pollution, Unintentional Failure to Disclose Hazards); page 30 is an endorsement with a header table showing policy number GLO 0183287 00, eff. date 08/01/2017, exp. date 08/01/2023. The document is classified as 'declarations' because page 1 is the declarations page, though the packet as a whole includes the coverage form and multiple endorsements. The named insured appears truncated on page 1 ('THE BOARD OF REGENTS OF THE') but is shown more completely on page 2 as 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM'. The policy period runs from 08-01-2017 to 08-01-2023 per page 1. Confidence is medium because the document is a mixed packet rather than a standalone declarations page, and the named insured is truncated on page 1.","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":"1. Named insured: The declarations page (page 1) prints 'THE BOARD OF REGENTS OF THE' with the remainder cut off; the full name 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM' is confirmed on page 2 endorsement header.\n\n2. Role: This is a primary CGL policy issued as an Owner Controlled Insurance Program (OCIP). There is no attachment point or schedule of underlying insurance, confirming primary role.\n\n3. Attachment point: Returned as 0 to satisfy schema requirement for the primary role reading; this is a primary policy and attachment point is null/not applicable.\n\n4. perProjectAggregate: The declarations page does not print a separate per-project aggregate dollar amount in the limits table. However, endorsement U-GL-D-1306-B CW (pages 3 and 4) establishes that for designated projects $100,000,000 or greater, the Products-Completed Operations Aggregate Limit applies separately to each designated project (option B selected), and for projects under $100,000,000, it applies once for all projects (option A selected). The $5,000,000 figure carried here reflects the Products-Completed Operations Aggregate Limit as printed on page 1, which is what applies per project for the larger projects. Confidence is medium because the per-project application is endorsement-driven, not a standalone printed limit.\n\n5. Defense inside limits: The standard CG 00 01 04 13 form pays defense in addition to limits (Supplementary Payments). The right and duty to defend ends upon exhaustion of limits through judgments/settlements, not defense costs. Returned 'no'.\n\n6. Schedule of forms: Item 5 on the declarations page refers to 'See Schedule of Forms and Endorsements' but no separate schedule of forms page was provided in the document set. The forms identified here are those whose form numbers appear in the pages provided. The full schedule of forms is likely broader. Confidence is lowered accordingly.\n\n7. Retention: No deductible or self-insured retention amount is printed in the pages provided. The Extended Ongoing Operations Coverage endorsement (page 24) references a 'COMMERCIAL GENERAL LIABILITY DEDUCTIBLE ENDORSEMENT' but that endorsement was not provided.\n\n8. dropsDownOnUnderlyingExhaustion: Not applicable / not stated for a primary policy. Returned 'unknown'.\n\n9. Retroactive date: The Item 3 field is labeled 'CG 00 02 ONLY' (claims-made form), and the entry reads 'NONE', confirming this is an occurrence form with no retroactive date. The value 'NONE' is transcribed as printed.\n\n10. The policy runs from 08-01-2017 to 08-01-2023, a six-year term, which is unusual. The limits apply separately to each consecutive annual period per Section III language (page 15).","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":"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 because of bodily injury to an employee employed in violation of law","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 an employee while employed in violation of law with actual knowledge","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":"Any obligation imposed by workers compensation or occupational disease law","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 occurring outside the United States, territories, possessions, and 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 arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or termination of employee","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":"Bodily injury subject to Longshore and Harbor Workers' Compensation Act and other federal acts","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. Sections 901 et seq.), the Nonappropriated Fund Instrumentalities Act (5 U.S.C. Sections 8171 et seq.), the Outer Continental Shelf Lands Act (43 U.S.C. Sections 1331 et seq.), the Defense Base Act (42 U.S.C. Sections 1651—1654), the Federal Mine Safety and Health Act (30 U.S.C. Sections 801 et seq. and 901—944), any other federal workers or workmen's compensation law or other federal occupational disease law, or any amendments to these laws","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury subject to Federal Employers' Liability Act and other federal laws obligating employer to pay damages","where":"base-form","citation":{"page":75,"quote":"Bodily injury to any person in work subject to the Federal Employers' Liability Act (45 U.S.C. Sections 51 et seq.), any other federal laws obligating an employer to pay damages to an employee due to bodily injury arising out of or in the course of employment, or any amendments to those laws","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury to master or member of crew of vessel and punitive damages related to maritime law","where":"base-form","citation":{"page":75,"quote":"Bodily injury to a master or member of the crew of any vessel, and does not cover punitive damages related to your duty or obligation to provide transportation, wages, maintenance, and cure under any applicable maritime law","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Fines or penalties imposed for violation of federal or state law","where":"base-form","citation":{"page":75,"quote":"Fines or penalties imposed for violation of federal or state law","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Damages payable under Migrant and Seasonal Agricultural Worker Protection Act","where":"base-form","citation":{"page":75,"quote":"Damages payable under the Migrant and Seasonal Agricultural Worker Protection Act (29 U.S.C. Sections 1801 et seq.) and under any other federal law awarding damages for violation of those laws or regulations issued thereunder, and any amendments to those laws","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","citation":{"page":80,"quote":"The policy does not cover work conducted at or from ANY LOCATION EXCEPT THE CONFINES OF THE PROJECT SITE AS DESCRIBED BELOW","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 0302","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":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","citation":{"page":108,"quote":"If aggregate insured losses attributable to one or more \"certified acts of terrorism\" exceed $100 billion in a calendar 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":"U-GU-767-B CW","carrierNoticedReduction":false},{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","citation":{"page":117,"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":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"IL 00 21","carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law","where":"endorsement","citation":{"page":126,"quote":"Recording And Distribution Of Material Or Information In Violation Of Law\n\nThis endorsement modifies insurance provided under the:\nCommercial General Liability Coverage Part\n\nA. Exclusion q. Recording And Distribution Of Material Or Information In Violation Of Law of Paragraph 2. Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following:\n\n2. Exclusions\nThis insurance does not apply to:\nq. Recording And Distribution Of Material Or Information In Violation Of Law\n\"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:\n(1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law;\n(2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law;\n(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\n(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":"Silica or Silica Mixed Dust","where":"endorsement","citation":{"page":134,"quote":"Silica or Silica Mixed Dust Exclusion\n\nThis endorsement modifies insurance provided under the:\nCommercial General Liability Coverage Part\nProducts-Completed Operations Liability Coverage Part\n\nThe following additional exclusion is added to 2. Exclusions of Section I. Coverages:\n\n2. Exclusions\nThis insurance does not apply to:\nSilica or Silica Mixed Dust\nA. \"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\nB. 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":"Unintentional Failure to Disclose Hazards","where":"endorsement","citation":{"page":164,"quote":"Unintentional Failure to Disclose Hazards\n\nThis endorsement modifies insurance provided under the:\nCommercial General Liability Coverage Form\n\nAny unintentional error or omission in the description of, or failure to completely describe, any premises or operations intended to be covered by this Commercial General Liability Coverage Form will not invalidate or affect coverage for those premises or operations. However, you must report such error or omission to us as soon as practicable after its discovery.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1054-A","carrierNoticedReduction":false},{"label":"Fungi or Bacteria","where":"endorsement","citation":{"page":165,"quote":"Fungi Or Bacteria Exclusion Endorsement\n\nThis endorsement modifies insurance provided under the:\nCommercial General Liability Coverage Part\n\nThe following exclusion is added to paragraph 2. Exclusions of Section 1. — Coverage A — Bodily Injury And Property Damage Liability and paragraph 2. Exclusions of Coverage B — Personal And Advertising Injury Liability:\n\n2. Exclusions\nThis insurance does not apply to:\nFungi or Bacteria\nA. \"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:\n1. \"fungi\" or \"bacteria\"; or\n2. 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":"Expected Or Intended Injury","where":"base-form","citation":{"page":140,"quote":"2. Exclusions\nThis insurance does not apply to:\na. Expected Or Intended Injury\nBodyly 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":"b. Contractual Liability\n\"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:\n(1) That the insured would have in the absence of the contract or agreement; or\n(2) Assumed in a contract or agreement that is an \"insured contract\", provided the \"bodily injury\" or \"property damage\" occurs subsequent to the execution of the contract or agreement.","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":"c. Liquor Liability\n\"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of:\n(1) Causing or contributing to the intoxication of any person;\n(2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or\n(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":"d. Workers' Compensation And Similar Laws\nAny 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":"e. Employer's Liability\n\"Bodily injury\" to:\n(1) An \"employee\" of the insured arising out of and in the course of:\n(a) Employment by the insured; or\n(b) Performing duties related to the conduct of the insured's business; or\n(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":141,"quote":"f. Pollution\n(1) \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\":\n(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":"g. Aircraft, Auto Or Watercraft\n\"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":"h. Mobile Equipment\n\"Bodily injury\" or \"property damage\" arising out of:\n(1) The transportation of \"mobile equipment\" by an \"auto\" owned or operated by or rented or loaned to any insured; or\n(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":"i. War\n\"Bodily injury\" or \"property damage\", however caused, arising, directly or indirectly, out of:\n(1) War, including undeclared or civil war;\n(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\n(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":142,"quote":"j. Damage To Property\n\"Property damage\" to:\n(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":143,"quote":"k. Damage To Your Product\n\"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":143,"quote":"l. Damage To Your Work\n\"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":"m. Damage To Impaired Property Or Property Not Physically Injured\n\"Property damage\" to \"impaired property\" or property that has not been physically injured, arising out of:\n(1) A defect, deficiency, inadequacy or dangerous condition in \"your product\" or \"your work\"; or\n(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":"n. Recall Of Products, Work Or Impaired Property\nDamages 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:\n(1) \"Your product\";\n(2) \"Your work\"; or\n(3) \"Impaired property\";\nif such product, work, or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it.","documentId":"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":143,"quote":"o. Personal And Advertising Injury\n\"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":143,"quote":"p. Electronic Data\nDamages 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","where":"base-form","citation":{"page":143,"quote":"q. Recording And Distribution Of Material Or Information In Violation Of Law\n\"Bodily injury\" or \"property damage\" arising directly or indirectly out of any action or omission that violates or is alleged to violate:\n(1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law;\n(2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law;\n(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","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Additional Insured — Automatic — Owners, Lessees Or Contractors; Professional Services Exclusion","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 including: a. The preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or b. Supervisory, inspection, architectural or engineering activities.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1 175-F","carrierNoticedReduction":false},{"label":"Limited Contractual Liability; Architect/Engineer/Surveyor Exclusion","where":"endorsement","citation":{"page":168,"quote":"That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports. surveys, field orders, change orders or drawings and specifications; or (b) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage","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 on Residential or Frame Buildings","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\" or any part thereof","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1 265-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":"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":"Limitation of Coverage to Designated Project(s)","where":"endorsement","citation":{"page":182,"quote":"1. 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-1 305- A","carrierNoticedReduction":false},{"label":"Designated Project(s) — General Aggregate Limit","where":"endorsement","citation":{"page":184,"quote":"1. The General Aggregate Limit shown in the Declarations of this policy applies separately to each designated construction project to which this policy applies.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1 310-A","carrierNoticedReduction":false},{"label":"Amendment of Limits - Products-Completed Operations Aggregate Limit","where":"endorsement","citation":{"page":186,"quote":"The Policy Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of 'bodily injury\" and \"property damage\" within the \"products-completed operations hazard\" for all \"designated projects\" combined","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":25000000,"formNumber":"u-GL-1313 A-CW","carrierNoticedReduction":false},{"label":"Electronic Data Liability; Access Or Disclosure Of Confidential Or Personal Information Exclusion","where":"endorsement","citation":{"page":189,"quote":"p. 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","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":2000000,"formNumber":"CG 04370514","carrierNoticedReduction":false},{"label":"Total Pollution Exclusion with Building Heating, Cooling and Dehumidifying Equipment Exception and Hostile Fire 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, but only with respect to either or both of the following operations: a. Providing engineering, architectural or surveying services to others in your capacity as an engineer, architect or surveyor","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG22790413","carrierNoticedReduction":false},{"label":"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, such as coercion, demotion, evaluation, reassig nment, discipline, defa mation, harassment, humiliation, discrimi na tion or malicious prosecution directed at that person","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 2639 1207","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":"high"},"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 Coverage — Designated Employees/Positions","citation":{"page":136,"quote":"Fellow Employee Coverage — Designated Employees/ Positions","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"09/08","citation":{"page":136,"quote":"U-GL-1364-A CW (09/08)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1364-A CW","citation":{"page":136,"quote":"U-GL-1364-A CW (09/08)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Designated Project — Declarations","citation":{"page":137,"quote":"Designated Project – Declarations","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"01/13","citation":{"page":137,"quote":"U-GL-D-1 306-B CW (01/1 3)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-D-1306-B CW","citation":{"page":137,"quote":"U-GL-D-1 306-B CW (01/1 3)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Commercial General Liability Coverage Form","citation":{"page":139,"quote":"COMMERCIAL GENERAL LIABILITY COVERAGE FORM","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"04 13","citation":{"page":139,"quote":"CG 00 01 0413 © Insurance Services Office, Inc., 2012 Page 1 of 16","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CG 00 01 04 13","citation":{"page":139,"quote":"CG 00 01 0413","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Named Insured — OCIP","citation":{"page":154,"quote":"NAMED INSURED — OCIP","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"10/02","citation":{"page":154,"quote":"U-GL-1114-A CW (10/ 02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1114-A CW","citation":{"page":154,"quote":"U-GL-1114-A CW (10/ 02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Unintentional Failure to Disclose Hazards","citation":{"page":164,"quote":"Unintentional Failure to Disclose Hazards","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"12/01","citation":{"page":164,"quote":"U-GL-1054-A CW (12/01) Page 1 of I","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1054-A CW","citation":{"page":164,"quote":"U-GL-1054-A CW (12/01)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}],"attachmentPoint":{"value":0,"citation":{"page":135,"quote":"COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"retroactiveDate":{"value":"NONE","citation":{"page":135,"quote":"Item 3. Retroactive Date (CG 00 02 ONLY) This insurance does not apply to \"bodily injury\", \"property damage\" or \"personal and advertising injury\" offense which occurs before the Retroactive Date, if any, shown here: NONE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"underlyingSchedule":[],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":139,"quote":"Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":81,"failures":[{"page":154,"path":"formsSchedule.4.formNumber.citation","quote":"U-GL-1114-A CW (10/ 02)","status":"found-on-other-page"},{"page":154,"path":"formsSchedule.4.edition.citation","quote":"U-GL-1114-A CW (10/ 02)","status":"found-on-other-page"},{"page":140,"path":"restrictions.20.citation","quote":"2. Exclusions\nThis insurance does not apply to:\na. Expected Or Intended Injury\nBodyly 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.","status":"not-found"}],"notFound":1,"verified":78,"verifiedExact":69,"pageUnreadable":0,"foundOnOtherPage":2},"additionalPolicies":[{"id":"ut-system-rocip-program_multi-carrier_2017-2023#p198","role":"excess","term":{"effective":{"value":"2017-08-01","citation":{"page":198,"quote":"From: 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":198,"quote":"From: 08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"1. The policy is titled 'Follow Form Excess Liability' and follows the form of the followed policy (GLO 4353409-00, Zurich American Insurance Company). Role is excess. 2. The attachment point is not printed as a single stated figure; it is derived from the underlying schedule. The General Liability underlying limit is $2,000,000 per occurrence and $5,000,000 aggregate; the Employer's Liability underlying has separate per-employee, per-accident, and policy limits. No single printed attachment point figure appears on the declarations page. The attachment point value returned reflects the GL per-occurrence underlying limit as the primary measure; downstream reconciliation required. 3. Defense treatment: The policy form states defense costs operate identically to the followed policy. The underlying schedule states 'Defense Treatment: Outside the Limit' for both GL and Employer's Liability rows (page 7). The followed policy (Zurich GL) would govern, but that policy is not in the provided pages. Confidence on defenseInsideLimits is medium as a result—the language 'identical manner to the followed policy' combined with the schedule notation 'Outside the Limit' supports 'no', but the followed policy form itself was not provided. 4. The Limits of Insurance Construction Modification endorsement (Manuscript, page 19) replaces Item 3 on the declarations page and adds a per-project products-completed operations aggregate of $25,000,000 (during policy period) and $25,000,000 (products-completed operations extension period) for projects with construction value in excess of $100,000,000, and a Policy Aggregate Products-Completed Operations Maximum Limit of $125,000,000. The base declarations page productsCompletedOpsAggregate of $25,000,000 is superseded by this endorsement for construction projects. 5. The Act of Terrorism Self-Insured Retention Endorsement (page 11) references an additional SIR for terrorism but the dollar amount is left blank ('Act of \"Terrorism\" Self-Insured Retention: $'). No figure is printed; retention fields for SIR are omitted accordingly. 6. The binder pages (pages 23-30) are Zurich binder materials for the underlying ROCIP program and are not part of the BHSI excess policy itself. They were provided as an attachment per endorsement FF-XS-005-07/2014. Values from binder pages are not extracted as policy terms of the BHSI excess policy. 7. The policy number on the declarations reads 'Policy No.: 47-XSF-304056-O1' (using the letter O rather than zero in the suffix); extracted as printed.","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. Aggregate Limit, except Auto: $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":{"value":25000000,"citation":{"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"},"confidence":"high"},"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":{"value":25000000,"citation":{"page":198,"quote":"C. Products-Completed Operations Aggregate Limit: $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"carrier":{"value":"Berkshire Hathaway Specialty Insurance Company","citation":{"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"},"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":198,"quote":"Named Insured: The University Of Texas System","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"47-XSF-304056-01","citation":{"page":198,"quote":"Policy No.: 47-XSF-304056-O1","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"restrictions":[{"label":"Violation of Communication or Information Law Exclusion","where":"endorsement","citation":{"page":205,"quote":"This policy does not provide coverage for any act that violates any statute, ordinance or regulation of any federal, state or local government, including any amendment of or addition to such laws that prohibits or limits the sending, transmitting or communicating of material or information.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CLP-UN-O1O-07/2013","carrierNoticedReduction":false},{"label":"Securities Exclusion","where":"endorsement","citation":{"page":206,"quote":"This policy does not provide coverage for any \"bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of: 1. Any violation of any securities law or similar law or any regulation promulgated thereunder","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CLP-UN-017-07/2013","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws Exclusion","where":"endorsement","citation":{"page":210,"quote":"This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\" caused by, resulting from, or with respect to 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":"FFP-XS-013-07/2014","carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","citation":{"page":211,"quote":"Confidential or Personal Information Disclosure Exclusion This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a. unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non-public confidential or personal information in the form of \"electronic data\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"FF-X5-026-02/2016","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":213,"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":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CLUN-075-12/2016","carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","citation":{"page":234,"quote":"The policy does not cover work conducted at or from: Any location except the confines of the project site as described below","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 0003 02","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Follow Form Excess Liability Common Policy Declarations","citation":{"page":200,"quote":"Follow Form Excess Liability Common Policy 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Underlying","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"11/2014","citation":{"page":200,"quote":"FFP-XS-OO2-11/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"FFP-XS-002-11/2014","citation":{"page":200,"quote":"FFP-XS-OO2-11/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Violation of Communication or Information Law Exclusion","citation":{"page":200,"quote":"Violation of Communication or Information Law Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"07/2013","citation":{"page":200,"quote":"CLP-U N-O1O-07/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CLP-UN-010-07/2013","citation":{"page":200,"quote":"CLP-U N-O1O-07/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Securities Exclusion","citation":{"page":200,"quote":"Securities Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"07/2013","citation":{"page":200,"quote":"CLP-U N-017-07/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CLP-UN-017-07/2013","citation":{"page":200,"quote":"CLP-U N-017-07/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Products Completed Operations Extension Endorsement","citation":{"page":200,"quote":"Products Completed Operations Extension Endorsement","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"11/2013","citation":{"page":200,"quote":"CLP-UN-078-11/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CLP-UN-078-11/2013","citation":{"page":200,"quote":"CLP-UN-078-11/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Act of Terrorism Self-Insured Retention Endorsement","citation":{"page":200,"quote":"Act of Terrorism Self-Insured Retention Endorsement","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"01/2015","citation":{"page":200,"quote":"CL-UN-083-01/2015","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CL-UN-083-01/2015","citation":{"page":200,"quote":"CL-UN-083-01/2015","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Workers' Compensation and Similar Laws Exclusion","citation":{"page":200,"quote":"Workers' Compensation and Similar Laws Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"07/2014","citation":{"page":200,"quote":"FFP-XS-013-07/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"FFP-XS-013-07/2014","citation":{"page":200,"quote":"FFP-XS-013-07/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Confidential or Personal Information Disclosure Exclusion Endorsement","citation":{"page":200,"quote":"Confidential or Personal Information Disclosure Exclusion Endorsement","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"02/2016","citation":{"page":200,"quote":"FF-XS-026-02/2016","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"FF-XS-026-02/2016","citation":{"page":200,"quote":"FF-XS-026-02/2016","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Cap On Losses From Certified Acts of Terrorism (ISO Based)","citation":{"page":200,"quote":"Cap On Losses From Certified Acts of Terrorism f ISO Based)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"12/2016","citation":{"page":200,"quote":"CL-UN-075-12/2016","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CL-UN-075-12/2016","citation":{"page":200,"quote":"CL-UN-075-12/2016","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Composite Rate Endorsement","citation":{"page":200,"quote":"Manuscript Composite Rate Endorsement","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Manuscript","citation":{"page":200,"quote":"Manuscript","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Limits of Insurance Construction Modification","citation":{"page":200,"quote":"Manuscript Limits of Insurance Construction Modification","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Manuscript","citation":{"page":200,"quote":"Manuscript","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Issuance of Follow Form Excess Policy Prior to Issuance or Receipt of the Followed Policy","citation":{"page":200,"quote":"Issuance of Follow Form Excess Policy Prior to Issuance or Receipt of the Followed Policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"07/2014","citation":{"page":200,"quote":"FF-XS-005-07/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"FF-XS-005-07/2014","citation":{"page":200,"quote":"FF-XS-005-07/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}],"attachmentPoint":{"value":2000000,"citation":{"page":204,"quote":"General Liability Zurich American Insurance Company 08/01/2017 to 08/01/2023 Policy #GLO 4353409-00 $2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"Zurich American Insurance Company","citation":{"page":204,"quote":"Zurich American Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"coverage":{"value":"General Liability","citation":{"page":204,"quote":"General Liability","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"effective":{"value":"2017-08-01","citation":{"page":204,"quote":"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":204,"quote":"08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"GLO 4353409-00","citation":{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":204,"quote":"$2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":204,"quote":"$5,000,000 General Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"carrier":{"value":"Zurich American Insurance Company","citation":{"page":204,"quote":"Zurich American Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"coverage":{"value":"Employer's Liability","citation":{"page":204,"quote":"Employer's Liability","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"effective":{"value":"2017-08-01","citation":{"page":204,"quote":"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":204,"quote":"08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"WC0183286","citation":{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"eachOccurrence":null,"generalAggregate":null}],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":201,"quote":"Defense costs and expenses shall operate in an identical manner to the \"followed policy\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"dropsDownOnUnderlyingExhaustion":"yes","dropsDownOnUnderlyingExhaustionSource":{"page":202,"quote":"Notwithstanding the foregoing, we will have the right and duty to defend any claim made or suit brought or proceeding instituted against an \"insured\" to which this policy applies if the applicable limits of \"underlying policies\" have been exhausted in accordance with Section I — COVERAGE.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},{"id":"ut-system-rocip-program_multi-carrier_2017-2023#p265","role":"excess","term":{"effective":{"value":"2017-08-01","citation":{"page":265,"quote":"From: 08/01/2017 to 08/01/2023 both days at 12:01 a.m.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":265,"quote":"From: 08/01/2017 to 08/01/2023 both days at 12:01 a.m.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"The policy is a Following Form Excess Liability Policy issued by Indemnity Insurance Company of North America (Chubb). The title of the declarations page confirms 'Following Form Excess Liability Policy', so role is excess. The form basis is not explicitly printed as 'occurrence' on the declarations; it follows the Lead Underlying Policy form (47-XSF-304056-01, Berkshire Hathaway Specialty Insurance), which is not provided in this packet. The occurrence/claims-made designation is therefore inferred from the insuring structure referencing 'each Occurrence' throughout. The products/completed ops aggregate of $25,000,000 appears on the Schedule of Underlying Insurance (page 3) for the underlying policy only, not as a separate limit of this excess policy; it has not been separately attributed to this excess policy's own limits. Defense inside limits is unknown because the policy expressly defers to however the Lead Underlying Policy treats defense costs. The drops-down citation addresses the specific scenario of underlying policies that exclude or limit coverage, which the excess will not fill; in the event of aggregate exhaustion, page 5 states the policy 'continue[s] in force as Lead Underlying Insurance.' The 'All other Underlying Policy No(s) Excess of the Lead Umbrella (If Any): N/A' line means there is only one underlying policy listed. The form number 'CC-i Kllh' on page 2 appears to be a scan artifact for 'CC-1K11h' as confirmed on page 2's table and page 10. The TRIA form number appears as 'TRIA lid' in the text (scan artifact) but is confirmed as 'TRIA11d' from page 13.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":265,"quote":"USD $ 25,000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":265,"quote":"USD $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"Indemnity Insurance Company of North America","citation":{"page":265,"quote":"Issuing Company: Indemnity Insurance Company of North 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Defense costs treatment is explicitly deferred to the Lead Underlying Policy: '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.' Since the Lead Underlying Policy was not provided, the defense-inside-limits determination cannot be made from this document alone; returned as unknown. 3. The drops-down language is qualified: on exhaustion this policy 'continue[s] in force as Lead Underlying Insurance,' but separately the policy states it shall NOT drop down where Other Underlying Policies (Item 2.b) exclude or limit coverage provided by the Lead Underlying Policy. 4. The Schedule of Underlying Insurance on page 5 shows policy period ending 08/31/2023 for all underlying policies, while the declarations page (page 1) shows the excess policy itself runs to 08/01/2023. This discrepancy is noted but values are transcribed as printed. 5. The WC/EL row limits ($1,000,000 each) are per-accident/per-disease measures, not per-occurrence in the general liability sense; eachOccurrence field is populated with the Bodily Injury By Accident – Each Occurrence figure as the closest analog, but this should be read as an employers liability limit. 6. The form number for the terrorism endorsement is cited as 'XSM — 343 (01116)' on page 6; the '01116' appears to be a scan artifact for '01/16'. 7. The Marsh XSellence form used as the base policy form is identified throughout as 'Marsh XSellence Form 10/2014 (Occ)'; no ISO form number is associated with it in the provided pages. 8. 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