{"id":"review-mt6m6y8a","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","pagesSwept":299,"pagesTotal":329,"pagesInFull":30},{"documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534","pagesSwept":54,"pagesTotal":84,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted."],"unsatisfied":[],"expectations":[{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"documentsRead":["vva-gl-package_philadelphia-indemnity_PHPK2661220","vva-umbrella_philadelphia-indemnity_PHUB902534"]},"answers":[{"state":"pass","message":"The tower is continuous. Each layer begins paying where the one beneath it is exhausted.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"pass","message":"Every policy named in an underlying schedule is present in the document set.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"pass","message":"Every policy in the document set names the same insured.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"pass","message":"All layers run concurrently, so the tower is the same on every day of the term.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"cannot-determine","message":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"fail","message":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"fail","message":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"line":null,"role":"primary","limit":1000000,"carrier":"Philadelphia Indemnity Insurance Company","inTower":true,"sources":{"limit":{"page":15,"quote":"$ 1,000,000 Each Occurrence Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"carrier":{"page":1,"quote":"Philadelphia Indemnity Insurance Company\nA Stock Company (Nonparticipating)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyNumber":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"generalAggregate":{"page":15,"quote":"$ 3,000,000 General Aggregate Limit (Other Than Products – Completed Operations)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"productsCompletedOpsAggregate":{"page":15,"quote":"$ 3,000,000 Products/Completed Operations Aggregate Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","effective":"2025-03-01","formBasis":"occurrence","deductible":null,"expiration":"2026-03-01","formNumbers":["BJP-190-1","IL N 143","IL N 177","PI-FEES-NOTICE 1","PI-NOTICE-MD-CLM 1","PP2020","CPD-PIIC-CW","PI-LOC-SCH","PI-AI-SCH","PI-FEE-SCH","PI-BELL-1","PI-CME-1","PI-MANU-1","IL0017","IL0021","IL0102","IL0104","IL0110","IL0115","IL0207","IL0251","IL0270","IL0952","PI-ACL-001","PI-ARB-1 NV","PI-CANXAICH-002","PI-CLD-CU NV","PI-HS-029","PI-PROF-002","PI-PROF-003","PI-SAM-018","PI-TER-DN1","GEN LIAB DEC","GEN LIAB SCHEDULE","CG0001","CG0201","CG2002","CG2005","CG2011","CG2026","CG2106","CG2132","CG2147","CG2151","CG2167","CG2170","CG2402","CG2404","CG2673","CG3234","PI-GL-001","PI-GL-001","PI-GL-002","PI-GL-002","PI-GL-002 CA","PI-GL-005","PI-GL-042","PI-GLD-HS","PI-HS-005","PI-MANU-1","PI-SAM-006","PI-SE-001"],"namedInsured":"Vietnam Veterans of America Inc\nChapters and State Councils","policyNumber":"PHPK2661220-013","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":"NONE","aggregateErosion":null,"generalAggregate":3000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":1000000,"productsCompletedOpsAggregate":3000000},{"line":null,"role":"umbrella","limit":5000000,"carrier":"Philadelphia Indemnity Insurance Company","inTower":true,"sources":{"limit":{"page":1,"quote":"EACH OCCURRENCE LIMIT (LIABILITY COVERAGE) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"carrier":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"attachmentPoint":{"page":3,"quote":"Each Occurrence $ 1,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"generalAggregate":{"page":1,"quote":"GENERAL AGGREGATE LIMIT (LIABILITY COVERAGE) (except with respect to Auto Liability and Products Completed Operations) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"selfInsuredRetention":{"page":1,"quote":"RETAINED LIMIT: $ 10,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"productsCompletedOpsAggregate":{"page":1,"quote":"PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"}},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","effective":"2025-03-01","formBasis":"occurrence","deductible":null,"expiration":"2026-03-01","formNumbers":["PI-CXL-002","PI-CXL-001","PI-CXL-004","PI-CXL-006","PI-CXL-007","PI-CXL-014","PI-CXL-015","PI-CXL-021","PI-CXL-029","PI-CXL-032","PI-CXL-039","PI-CXL-041","PI-CXL-047","PI-CXL-054","PI-CXL-068","PI-CXL-075","PI-CXL-085","PI-CXL-088","PI-CXL-092","PI-CXL-099","PI-CXL-100","PI-CXL-111","PI-CXL-113","PI-CXL-117","PI-CXL-132","PI-CXL-137","PI-CXL-MD 1","PI-CXL-MD 2","PI-UMTER-DN"],"namedInsured":"Vietnam Veterans of America Inc. 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This insurance applies to \"bodily injury\", \"property damage\", and \"personal and advertising injury\" arising out of all of your special events with the following exceptions unless scheduled in paragraph C. SCHEDULE OF SPECIAL EVENTS below: • Parades sponsored by the Insured • Shooting activities • Fireworks • Carnivals and fairs with mechanical rides sponsored by the Insured • Rock, Heavy Metal, Techno, Hip-Hop or Rap concerts • Events including contact sports • Rodeos sponsored by the Insured • Political Rallies • Any event with greater than 2,500 people at any one time (including otherwise acceptable events) • Any event with liquor provided by the Insured if a license is required for such activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SE-001","alsoProvisions":["Exclusion - Professional Liability Coverage"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":216,"quote":"Nuclear Incidents Or Conditions Due to nuclear reaction, nuclear radiation or radioactive contamination or to any related act or condition.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-MANU-1","alsoProvisions":["Contractual Liability","Completed Work","Acts Or Omissions Of Insured","Workers' Compensation And Similar Laws","Pollution","Damage To Owned, Leased Or Entrusted Property","War","Completed Work (Physical Damage)","Acts Or Omissions Of Insured (Physical Damage)","Nuclear Incidents Or Conditions","Pollution (Physical Damage)"],"carrierNoticedReduction":false},{"label":"Governmental Action","where":"base-form","source":"policy-language","citation":{"page":237,"quote":"Unexplained disappearance.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":5000,"formNumber":"PI-CIM-032","alsoProvisions":["Nuclear Hazard","War and Military Action","Delay, loss of use, loss or market, or any other consequential loss","Dishonest acts","Unexplained disappearance","Shortage found upon taking inventory","Processing or work upon the covered Property","Artificially generated current creating a short circuit or other electrical disturbance","Faulty materials, improper workmanship, errors in design or specifications","Theft from any unattended vehicle","Wear, tear, gradual deterioration, depreciation","Dryness or dampness of atmosphere, extremes or changes of temperature","Debris Removal Limit","Pollutant Clean-Up and Removal Limit","Additional Acquired Property Limit"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury (Auto)","where":"base-form","source":"policy-language","citation":{"page":245,"quote":"Any device designed or used to detect speed-measuring equipment such as radar or laser detectors and any jamming apparatus intended to elude or disrupt speed-measurement equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":1000,"formNumber":"CA 00 01 03 10","alsoProvisions":["Contractual Liability (Auto)","Workers' Compensation (Auto)","Employee Indemnification And Employer's Liability (Auto)","Fellow Employee (Auto)","Care, Custody Or Control (Auto)","Handling Of Property (Auto)","Movement Of Property By Mechanical Device (Auto)","Operations (Auto)","Completed Operations (Auto)","Pollution (Auto)","War (Auto)","Racing (Auto)","Nuclear Hazard (Physical Damage Auto)","War Or Military Action (Physical Damage Auto)","Professional or organized racing or demolition contest","Wear and tear, freezing, mechanical or electrical breakdown","Blowouts, punctures or other road damage to tires","Electronic equipment - audio, visual or data devices","Speed-measuring equipment detection devices","Electronic equipment reproducing, receiving or transmitting signals","Accessories used with electronic equipment","Diminution in value","Electronic audio visual data equipment sub-limit","Supplementary Payments bail bond sub-limit","Supplementary Payments loss of earnings","Transportation Expenses sub-limit","Loss of Use for Hired Auto sub-limit"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury (CA 00 01 10 13)","where":"base-form","source":"policy-language","citation":{"page":255,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\": a. That are, or that are contained in any property that is: (1) Being transported or towed by, handled or handled for movement into, onto or from the covered \"auto\"; (2) Otherwise in the course of transit by or on behalf of the \"insured\"; or (3) Being stored, disposed of, treated or processed in or upon the covered \"auto\";","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":2000,"formNumber":"CA 00 01 10 13","alsoProvisions":["Contractual Liability (CA 00 01 10 13)","Workers' Compensation (CA 00 01 10 13)","Employee Indemnification And Employer's Liability (CA 00 01 10 13)","Fellow Employee (CA 00 01 10 13)","Care, Custody Or Control (CA 00 01 10 13)","Handling Of Property (CA 00 01 10 13)","Movement Of Property By Mechanical Device (CA 00 01 10 13)","Operations (CA 00 01 10 13)","Completed Operations (CA 00 01 10 13)","Pollution (CA 00 01 10 13)","War (CA 00 01 10 13)","Racing (CA 00 01 10 13)","Supplementary Payments bail bond sub-limit (CA 00 01 10 13)","Supplementary Payments loss of earnings (CA 00 01 10 13)"],"carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","source":"policy-language","citation":{"page":257,"quote":"We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":1000,"formNumber":"CA 00 01","alsoProvisions":["War Or Military Action","Professional or organized racing or demolition contest or stunting activity","Wear and tear, freezing, mechanical or electrical breakdown","Blowouts, punctures or other road damage to tires","Audio, visual or data electronic devices","Speed-measuring equipment detection devices","Electronic equipment for audio, visual or data signals","Diminution in value","Electronic equipment sub-limit"],"carrierNoticedReduction":false},{"label":"Diminution in value exclusion removal","where":"endorsement","source":"policy-language","citation":{"page":266,"quote":"B. Changes In Physical Damage Coverage The \"diminution in value\" exclusion does not apply.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 70 01 21","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Expected or intended damages","where":"base-form","source":"policy-language","citation":{"page":277,"quote":"15. 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SECTION I – COVERAGE , A. Insuring Agreement is amended to include the following provision which supersedes anything to the contrary: There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":100000,"formNumber":"PI-HS-MD-1","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Prescription drugs amendment - Naloxone and nonprescription drugs","where":"endorsement","source":"policy-language","citation":{"page":284,"quote":"5. Arising out of the prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances, except: a. as directed by a physician, physician assistant, nurse, or a psychologist as permitted under state law, and in the normal practice as a human services organization provider, b. the dispensing of the drug Naloxone (or reasonably equivalent drug) used in response to an opioid overdose as permitted by applicable state or federal law, or c. the dispensing of nonprescription drugs.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-024","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Abusive conduct - sexual abuse or molestation exclusion","where":"base-form","source":"policy-language","citation":{"page":290,"quote":"j. Any \"defense costs\" associated with a criminal trial including appeals","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-008","alsoProvisions":["Abusive conduct - assumed liability exclusion","Abusive conduct - workers compensation exclusion","Abusive conduct - insurable matters exclusion","Abusive conduct - claims by another insured exclusion","Abusive conduct - employee or volunteer worker claims exclusion","Abusive conduct - criminal trial defense costs exclusion","Abusive conduct - prior policy notice exclusion","Abusive conduct - sexual discrimination and harassment exclusion"],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":9,"quote":"This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Prop- erty insurance. It points out that there is no coverage under such insurance for loss or damage caused by or re- sulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 01 40 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":10,"quote":"This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Prop- erty insurance. It points out that there is no coverage under such insurance for loss or damage caused by or re- sulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 01 75 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Mold Exclusion","where":"endorsement","source":"policy-language","citation":{"page":13,"quote":"PI-CP-001 1001 Mold Exclusion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-001","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Changes - Electronic Data","where":"endorsement","source":"policy-language","citation":{"page":13,"quote":"PI-CP-002 0204 Changes - Electronic 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An \"employee\" of the insured arising out of and in the course of employment by the insured; or 2. 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The supervision of any person using a trampoline.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-021","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":45,"quote":"This insurance does not apply to: Fungi or Bacteria 1. \"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-032","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Medical Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":48,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of any \"professional incident\" by any \"medical professional.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-047","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employee Benefits Liability","where":"endorsement","source":"policy-language","citation":{"page":50,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of an act, error or omission committed in the \"administration\" of your \"employee benefit program.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-068","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Lead Liability","where":"endorsement","source":"policy-language","citation":{"page":51,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-075","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Professional Liability Coverage Sub-Limit","where":"endorsement","source":"policy-language","citation":{"page":52,"quote":"Each Professional Incident Limit: $______________ Aggregate Limit: $______________ 5,000,000 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":5000000,"formNumber":"PI-CXL-085","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-Related Liability","where":"endorsement","source":"policy-language","citation":{"page":53,"quote":"This insurance does not apply to: u. Access or Disclosure of Confidential or Personal Information and Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-088","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Automobile Liability Sub-Limit","where":"endorsement","source":"policy-language","citation":{"page":55,"quote":"AUTOMOBILE LIABILITY SUB-LIMIT: Each Occurrence Limit: $______________ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":5000000,"formNumber":"PI-CXL-092","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Recording and Distribution of Material or Information in Violation of Law – Personal and Advertising Injury","where":"endorsement","source":"policy-language","citation":{"page":56,"quote":"This insurance does not apply to \"personal and advertising injury\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-099","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","source":"policy-language","citation":{"page":57,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information, including but not limited to patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information, biometrics, or any other type of nonpublic information;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-100","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limit of Insurance Exclusion Clause Minimum Limit Requirement","where":"endorsement","source":"policy-language","citation":{"page":60,"quote":"This policy does not follow and shall not become excess of any coverage which incorporates a limit of insurance or sub-limit of insurance that is less than $1,000,000 and is attached to any \"underlying insurance\" shown in the Schedule of Underlying Insurance.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-111","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Per Location / Per Project Aggregate Limit of Insurance Exclusion","where":"endorsement","source":"policy-language","citation":{"page":61,"quote":"Any per location or per project aggregate limit of insurance that is extended by a policy of \"underlying insurance\" will not apply to any coverage provided by this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-113","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Silica or Silica-Related Dust","where":"endorsement","source":"policy-language","citation":{"page":62,"quote":"This insurance does not apply to: Silica or Silica-Related Dust Any liability, damage, loss, cost or expense arising, in whole or in part, out of: 1. The actual, alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, \"silica\" or \"silica-related dust.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-117","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":63,"quote":"This insurance does not apply to: Communicable Disease Any liability, damage, loss, cost or expense arising, in whole or in part, out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-132","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","source":"policy-language","citation":{"page":64,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any injury, damage, loss, cost or expense arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\";","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-137","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion - Adoption and Foster Care Operations","where":"endorsement","source":"policy-language","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-HS-029","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Directors And Officers Liability Exclusion","where":"base-form","source":"policy-language","citation":{"page":21,"quote":"Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-001","alsoProvisions":["Expected Or Intended Injury","Workers Compensation and Similar Laws","Employment Related Practices","War","E.R.I.S.A.","Contractual Liability","Aircraft or Watercraft","Auto Coverages","Other Personal and Advertising Injury Exclusions","Damage to Property","Damage to Your Product","Damage to Your Work","Damage to Impaired Property or Property Not Physically Injured","Recall of Products, Work or Impaired Property","Pollution","Discrimination","Asbestos","Nuclear Energy Liability","Liquor Liability","Trade or Economic Sanctions","Electronic Data","Distribution of Material in Violation of Statutes"],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":3,"formsWithNoRestrictionFound":29},"findings":[{"id":"finding-global.carrier-reduced-coverage","layer":"global","impact":"Did the carrier give notice that it reduced this coverage?","ruleId":"global.carrier-reduced-coverage","degraded":false,"evidence":[{"page":285,"quote":"1. SECTION I – COVERAGE , A. Insuring Agreement is amended to include the following provision which supersedes anything to the contrary: There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":24,"quote":"NOTICE OF REDUCTION IN COVERAGE","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"dependsOn":[],"statement":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading. disciplinary hearing defense; notice of reduction in coverage.","ruleVersion":"e3496ae3227a"},{"id":"finding-global.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":114,"quote":"If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you have protected the system against freezing; (c) Building glass breakage; (d) Water damage; (e) Theft; or (f) Attempted theft","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":237,"quote":"Unexplained disappearance.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":245,"quote":"Any device designed or used to detect speed-measuring equipment such as radar or laser detectors and any jamming apparatus intended to elude or disrupt speed-measurement equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":255,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\": a. That are, or that are contained in any property that is: (1) Being transported or towed by, handled or handled for movement into, onto or from the covered \"auto\"; (2) Otherwise in the course of transit by or on behalf of the \"insured\"; or (3) Being stored, disposed of, treated or processed in or upon the covered \"auto\";","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"dependsOn":[],"statement":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures. Electronic Data is capped at 2,500. Governmental Action is capped at 5,000. Expected Or Intended Injury (Auto) is capped at 1,000. Expected Or Intended Injury (CA 00 01 10 13) is capped at 2,000.","ruleVersion":"485c5e73f822"},{"id":"finding-global.endorsements-restrict","layer":"global","impact":"Do the attached endorsements restrict this coverage?","ruleId":"global.endorsements-restrict","degraded":false,"evidence":[],"dependsOn":[],"statement":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","ruleVersion":"86033228d3f6"}],"reviewId":"review-mt6m6y8a","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-derived-0","evidence":[],"statement":"This policy prints no attachment point. It is placed at 1,000,000, the largest limit named in its own schedule of underlying insurance, which is a floor rather than a reading: the schedule lists policies without saying which of them stack.","packetComplete":true},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-classifier","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf, from the classifier: This is a multi-coverage-part commercial package policy packet for policy number PHPK2661220-013. The document contains the Common Policy Declarations (pages 1-2), Form Schedule (page 3), Locations Schedule (page 4), Additional Insured Schedule (pages 5-7), Fees and Surcharge Schedule (page 8), advisory notices (pages 9-11), Commercial Property Coverage Part Declarations and schedules (pages 12-14), Commercial General Liability Coverage Part Declarations and schedules (pages 15-18), Commercial Inland Marine Coverage Part Declarations and schedules (pages 19-22), and Commercial Auto (Business Auto) Declarations and schedules (pages 23-30). The packet covers Commercial Property, Commercial General Liability, Commercial Inland Marine, and Commercial Auto coverage parts under a single policy number. Typed as general-liability per the instruction that a package policy covering multiple lines including a general liability coverage part is typed general-liability. Only one policy number appears throughout.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-classifier","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf, from the classifier: The uploaded document is a packet containing multiple document types under a single policy number (PHUB902534-013): (1) the Commercial Umbrella Liability Insurance Policy Declarations (pages 1–5, form PI-CXL-002 05/19); (2) a Form Schedule – Umbrella Liability listing 29 forms and endorsements (page 6); (3) an endorsement – Exclusion – Adoption and Foster Care Operations (form PI-HS-029 02/20, pages 7–8); and (4) the Commercial Umbrella Liability Insurance Policy coverage form (form PI-CXL-001 03/14, pages 9–30). The dominant character of the packet is the declarations page; classified accordingly. All pages reference the same policy number PHUB902534-013.","packetComplete":false},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-citations","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: 347 of 389 figures were confirmed against the page they cite. The remaining 42 could not be, so they are the reader's word rather than the document's. Nothing else in this reading depends on them.","packetComplete":false},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-truncated","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: pages 1 to 30 were read in full, and all 329 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-sweep-losses","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: of the 329 pages searched for provisions and schedule entries, 45 pages were not reached inside the time this reading is allowed. A restriction printed on one of those pages would not appear here.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-truncated","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf: pages 1 to 30 were read in full, and all 84 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":58377,"outputTokens":503,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":65809,"outputTokens":11860,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":21030,"outputTokens":875,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":32865,"outputTokens":3507,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":26615,"outputTokens":2660,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":31614,"outputTokens":10910,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":30482,"outputTokens":6246,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":21872,"outputTokens":1861,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":8542,"outputTokens":610,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"vva-gl-package_philadelphia-indemnity_PHPK2661220","sha256":"42286ee391c6a7f52e8fcbcb758c4342a3b59fa4a6c556904a50d623475cb76b","filename":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"This is a multi-coverage-part commercial package policy packet for policy number PHPK2661220-013. The document contains the Common Policy Declarations (pages 1-2), Form Schedule (page 3), Locations Schedule (page 4), Additional Insured Schedule (pages 5-7), Fees and Surcharge Schedule (page 8), advisory notices (pages 9-11), Commercial Property Coverage Part Declarations and schedules (pages 12-14), Commercial General Liability Coverage Part Declarations and schedules (pages 15-18), Commercial Inland Marine Coverage Part Declarations and schedules (pages 19-22), and Commercial Auto (Business Auto) Declarations and schedules (pages 23-30). The packet covers Commercial Property, Commercial General Liability, Commercial Inland Marine, and Commercial Auto coverage parts under a single policy number. Typed as general-liability per the instruction that a package policy covering multiple lines including a general liability coverage part is typed general-liability. Only one policy number appears throughout.","carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"pageCount":329,"confidence":"high","namedInsured":{"value":"Vietnam Veterans of America Inc Chapters and State Councils","citation":{"page":1,"quote":"Vietnam Veterans of America Inc\nChapters and State Councils\n8719 Colesville Rd Ste 100\nSilver Spring, MD 20910-3919","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"policyNumber":{"value":"PHPK2661220-013","citation":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":329,"firstError":null,"failedPages":0,"timedOutPages":45},"extraction":{"id":"vva-gl-package_philadelphia-indemnity_PHPK2661220","role":"primary","term":{"effective":{"value":"2025-03-01","citation":{"page":1,"quote":"Policy Period From: 03/01/2025","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"expiration":{"value":"2026-03-01","citation":{"page":1,"quote":"To: 03/01/2026","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}},"notes":"This is a commercial package policy (not an umbrella or excess policy) issued by Philadelphia Indemnity Insurance Company. The CGL declarations (page 15) state the policy is occurrence-based (CG 00 01 04 13 is the base form) and the retroactive date field reads 'NONE'. No schedule of underlying insurance is present because this is a primary policy. The forms schedule shown here covers the policy-level forms (page 3) and the General Liability coverage part forms (page 16); additional form schedules exist for Commercial Property (page 13) and Inland Marine (page 20) coverage parts but those are non-liability lines not extracted here. No deductible or self-insured retention is printed on the CGL declarations page. Defense cost treatment (inside or outside limits) cannot be confirmed from the pages provided — the CG 00 01 form is listed but its text was not provided; standard CG 00 01 pays defense in addition to limits, but this reading does not supply a value not printed on the provided pages.","limits":{"eachOccurrence":{"value":1000000,"citation":{"page":15,"quote":"$ 1,000,000 Each Occurrence Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"generalAggregate":{"value":3000000,"citation":{"page":15,"quote":"$ 3,000,000 General Aggregate Limit (Other Than Products – Completed Operations)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":1000000,"citation":{"page":15,"quote":"$ 1,000,000 Personal and Advertising Injury Limit (Any One Person or Organization)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":3000000,"citation":{"page":15,"quote":"$ 3,000,000 Products/Completed Operations Aggregate Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}},"carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company\nA Stock Company (Nonparticipating)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["vva-gl-package_philadelphia-indemnity_PHPK2661220"],"namedInsured":{"value":"Vietnam Veterans of America Inc\nChapters and State Councils","citation":{"page":1,"quote":"Vietnam Veterans of America Inc\nChapters and State Councils\n8719 Colesville Rd Ste 100\nSilver Spring, MD 20910-3919","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"policyNumber":{"value":"PHPK2661220-013","citation":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"restrictions":[{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","citation":{"page":72,"quote":"NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Exclusion - Nuclear Energy Liability - Bodily Injury or Property Damage","where":"endorsement","citation":{"page":72,"quote":"The insurance does not apply: A. Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an \"insured\" under the policy is also an insured under a nuclear energy liability policy 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 limit of liability; or (2) Resulting from the \"hazardous properties\" of \"nuclear material\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Exclusion - Nuclear Energy Liability - Medical Payments","where":"endorsement","citation":{"page":72,"quote":"B. Under any Medical Payments coverage, to expenses incurred with respect to \"bodily injury\" resulting from the \"hazardous properties\" of \"nuclear material\" and arising out of the operation of a \"nuclear facility\" by any person or organization.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Exclusion - Nuclear Energy Liability - Nuclear Facility Operations","where":"endorsement","citation":{"page":72,"quote":"C. Under any Liability Coverage, to \"bodily injury\" or \"property damage\" resulting from \"hazardous properties\" of \"nuclear material\", if: (1) The \"nuclear material\" (a) is at any \"nuclear facility\" owned by, or operated by or on behalf of, an \"insured\" or (b) has been discharged or dispersed therefrom; (2) The \"nuclear material\" is contained in \"spent fuel\" or \"waste\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"California Changes - Actual Cash Value","where":"endorsement","citation":{"page":74,"quote":"CALIFORNIA CHANGES – ACTUAL CASH VALUE","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 02 02 20","carrierNoticedReduction":false},{"label":"California Changes - Concealment, Misrepresentation or Fraud and Appraisal","where":"endorsement","citation":{"page":75,"quote":"CALIFORNIA CHANGES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 04 07 20","carrierNoticedReduction":false},{"label":"Appraisal Condition","where":"endorsement","citation":{"page":76,"quote":"The Appraisal Condition in: 1. Business Income (And Extra Expense) Coverage Form CP 00 30; and 2. Business Income (Without Extra Expense) Coverage Form CP 00 32; is replaced by the following","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 04 07 20","carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation or Fraud","where":"endorsement","citation":{"page":77,"quote":"CONCEALMENT, MISREPRESENTATION OR FRAUD Condition is replaced by the following: We will not pay for any loss (\"loss\") or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. 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LIABILITY COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-005","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","citation":{"page":196,"quote":"TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-042","carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services","where":"endorsement","citation":{"page":198,"quote":"GENERAL LIABILITY DELUXE ENDORSEMENT: HUMAN SERVICES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GLD-HS","carrierNoticedReduction":false},{"label":"Exclusion Professional Liability Coverage","where":"endorsement","citation":{"page":210,"quote":"EXCLUSION PROFESSIONAL LIABILITY COVERAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-005","carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","citation":{"page":227,"quote":"ABUSE OR MOLESTATION EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of SECTION I – COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY and Paragraph 2. Exclusions of SECTION I – COVERAGE B – PERSONAL AND ADVERTISING INJURY LIABILITY : This insurance does not apply to any injury sustained by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-006","carrierNoticedReduction":false},{"label":"Special Events Exclusions","where":"endorsement","citation":{"page":228,"quote":"SPECIAL EVENTS ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. This insurance applies to \"bodily injury\", \"property damage\", and \"personal and advertising injury\" arising out of all of your special events with the following exceptions unless scheduled in paragraph C. SCHEDULE OF SPECIAL EVENTS below: • Parades sponsored by the Insured • Shooting activities • Fireworks • Carnivals and fairs with mechanical rides sponsored by the Insured • Rock, Heavy Metal, Techno, Hip-Hop or Rap concerts • Events including contact sports • Rodeos sponsored by the Insured • Political Rallies • Any event with greater than 2,500 people at any one time (including otherwise acceptable events) • Any event with liquor provided by the Insured if a license is required for such activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SE-001","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","citation":{"page":212,"quote":"Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the insured. This exclusion does not apply to \"bodily injury\" resulting from the use of reasonable force to protect persons or property.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":212,"quote":"Contractual Liability \"Bodily injury\" or \"property damage\" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages assumed in a contract or agreement that is a \"covered contract\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Completed Work","where":"base-form","citation":{"page":212,"quote":"Completed Work \"Bodily injury\" or \"property damage\" occurring after the \"work\" is completed. The \"work\" will be deemed completed at the earliest of the following times: (1) When all the \"work\" called for in the \"contractor's\" contract has been completed. (2) When all the \"work\" to be done at the \"job location\" has been completed. (3) When that part of the \"work\" done at the \"job location\" has been put to its intended use by you, the governmental authority or other contracting party.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Acts Or Omissions Of Insured","where":"base-form","citation":{"page":213,"quote":"Acts Or Omissions Of Insured \"Bodily injury\" or \"property damage\", the sole proximate cause of which is an act or omission of any insured other than acts or omissions of any of \"your designated employees\". This exclusion does not apply to injury or damage sustained at the \"job location\" by any of \"your designated employees\" or employee of the \"contractor\", or by any employee of the governmental authority or any other contracting party (other than you) specified in the Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws","where":"base-form","citation":{"page":213,"quote":"Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. This exclusion does not apply to any obligation of the insured under the Federal Employers Liability Act, as amended.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":213,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\" at or from the \"job location\": (1) Due to the past or present use of the \"job location\" by you or for you or others for the handling, storage, disposal, processing or treatment of waste; or (2) Due to the dumping or disposal of waste on the \"job location\" by the \"contractor\" with the knowledge of you or any of \"your designated employees\" or (3) On which you or \"contractors\" working directly or indirectly on any insured's behalf are performing operations if the \"pollutants\" are brought on or to the \"job location\" in connection with such operations by you, the \"contractor\" or \"your designated employee\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Damage To Owned, Leased Or Entrusted Property","where":"base-form","citation":{"page":214,"quote":"Damage To Owned, Leased Or Entrusted Property \"Property damage\" to property owned by you or leased or entrusted to you under a lease or trust agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":153,"quote":"War \"Bodily injury\" or \"property damage\", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Completed Work (Physical Damage)","where":"base-form","citation":{"page":215,"quote":"Completed Work Occurring after the \"work\" is completed. The \"work\" will be deemed completed at the earliest of the following times: (1) When all the \"work\" called for in the \"contractor's\" contract has been completed. (2) When all the \"work\" to be done at the \"job location\" has been completed. (3) When that part of the \"work\" done at the \"job location\" has been put to its intended use by you, the governmental authority or other contracting party.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Acts Or Omissions Of Insured (Physical Damage)","where":"base-form","citation":{"page":215,"quote":"Acts Or Omissions Of Insured The sole proximate cause of which is an act or omission of any insured other than acts or omissions of any of \"your designated employees\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Nuclear Incidents Or Conditions","where":"base-form","citation":{"page":216,"quote":"Nuclear Incidents Or Conditions Due to nuclear reaction, nuclear radiation or radioactive contamination or to any related act or condition.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Pollution (Physical Damage)","where":"base-form","citation":{"page":216,"quote":"Pollution Due to the discharge, dispersal, seepage, migration, release or escape of \"pollutants\" excluded under Exclusion f. Pollution, Coverage A.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Governmental Action","where":"base-form","citation":{"page":236,"quote":"Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for damage or destruction of Covered Property ordered by governmental authority. (1) Taken at the time of a fire to prevent its spread if the fire would be covered under this Coverage Form; or (2) That is a direct result of a Covered Cause of Loss.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","citation":{"page":236,"quote":"Nuclear Hazard (1) Any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination from any other cause. But we will pay for direct \"loss\" caused by resulting fire if the fire would be covered under this Coverage Form.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"War and Military Action","where":"base-form","citation":{"page":235,"quote":"War and Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign, or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Delay, loss of use, loss or market, or any other consequential loss","where":"base-form","citation":{"page":236,"quote":"Delay, loss of use, loss or market, or any other consequential loss.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Dishonest acts","where":"base-form","citation":{"page":236,"quote":"Dishonest acts by: (1) You, your employees or authorized representatives; (2) Anyone else with an interest in the property, or their employees, or authorized representatives; or (3) Anyone else to whom the property is entrusted. This exclusion applies whether or not such persons are acting alone or in collusion with other persons or such acts occur during the hours of employment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Unexplained disappearance","where":"base-form","citation":{"page":237,"quote":"Unexplained disappearance.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Shortage found upon taking inventory","where":"base-form","citation":{"page":237,"quote":"Shortage found upon taking inventory.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Processing or work upon the covered Property","where":"base-form","citation":{"page":237,"quote":"Processing or work upon the covered Property. But we will pay for direct \"loss\" caused by resulting fire or explosion.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Artificially generated current creating a short circuit or other electrical disturbance","where":"base-form","citation":{"page":237,"quote":"Artificially generated current creating a short circuit or other electrical disturbance within the Covered Property. But we will pay for direct \"loss\" caused by resulting fire or explosion.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Faulty materials, improper workmanship, errors in design or specifications","where":"base-form","citation":{"page":237,"quote":"Faulty materials, improper workmanship, errors in design or specifications.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Theft from any unattended vehicle","where":"base-form","citation":{"page":237,"quote":"Theft from any unattended vehicle owned, leased, or operated by you unless at the time of theft its windows, doors, and compartments were closed and locked and there are visible signs that the theft was the result of forced entry.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Wear, tear, gradual deterioration, depreciation","where":"base-form","citation":{"page":237,"quote":"Wear, tear, gradual deterioration, depreciation, any quality in the property that causes it to damage or destroy itself; hidden or latent defect; mechanical breakdown; corrosion or rust.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Dryness or dampness of atmosphere, extremes or changes of temperature","where":"base-form","citation":{"page":237,"quote":"Dryness or dampness of atmosphere, extremes or changes of temperature including freezing; insects, vermin, rodents, or worms","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Debris Removal Limit","where":"base-form","citation":{"page":235,"quote":"We will pay up to $5,000 for debris removal expense in any one occurrence when the sum of the direct \"loss\" and debris removal expense exceeds the applicable Limit of Insurance shown in this Coverage Form Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":5000,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Pollutant Clean-Up and Removal Limit","where":"base-form","citation":{"page":235,"quote":"The most we will pay for pollutant clean-up and removal is $10,000 for the sum of all such expenses arising out of Covered Causes of Loss occurring during each separate 12-month period of this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Additional Acquired Property Limit","where":"base-form","citation":{"page":235,"quote":"The most we will pay in a loss is the lesser of: (1) 25% of the total Limit of Insurance shown in the Schedule for that type of property; or (2) $10,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury (Auto)","where":"base-form","citation":{"page":240,"quote":"Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the \"insured\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Contractual Liability (Auto)","where":"base-form","citation":{"page":240,"quote":"Contractual Liability assumed under any contract or agreement. But this exclusion does not apply to liability for damages: a. 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; or b. That the \"insured\" would have in the absence of the contract or agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Workers' Compensation (Auto)","where":"base-form","citation":{"page":240,"quote":"Workers' Compensation Any obligation for which the \"insured\" or the \"insured's\" insurer may be held liable under any workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Employee Indemnification And Employer's Liability (Auto)","where":"base-form","citation":{"page":241,"quote":"Employee Indemnification And Employer's Liability \"Bodily injury\" to: a. An \"employee\" of the \"insured\" arising out of and in the course of: (1) Employment by the \"insured\"; or (2) Performing the duties related to the conduct of the \"insured's\" business; or b. The spouse, child, parent, brother or sister of that \"employee\" as a consequence of Paragraph a. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Fellow Employee (Auto)","where":"base-form","citation":{"page":241,"quote":"Fellow Employee \"Bodily injury\" to: a. Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment or while performing duties related to the conduct of your business; or b. The spouse, child, parent, brother or sister of that fellow \"employee\" as a consequence of Paragraph a. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Care, Custody Or Control (Auto)","where":"base-form","citation":{"page":241,"quote":"Care, Custody Or Control \"Property damage\" to or \"covered pollution cost or expense\" involving property owned or transported by the \"insured\" or in the \"insured's\" care, custody or control. But this exclusion does not apply to liability assumed under a sidetrack agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Handling Of Property (Auto)","where":"base-form","citation":{"page":241,"quote":"Handling Of Property \"Bodily injury\" or \"property damage\" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the \"insured\" for movement into or onto the covered \"auto\"; or b. After it is moved from the covered \"auto\" to the place where it is finally delivered by the \"insured\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Movement Of Property By Mechanical Device (Auto)","where":"base-form","citation":{"page":241,"quote":"Movement Of Property By Mechanical Device \"Bodily injury\" or \"property damage\" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Operations (Auto)","where":"base-form","citation":{"page":241,"quote":"Operations \"Bodily injury\" or \"property damage\" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of \"mobile equipment\"; or b. Machinery or equipment that is on, attached to or part of a land vehicle that would qualify under the definition of \"mobile equipment\" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Completed Operations (Auto)","where":"base-form","citation":{"page":241,"quote":"Completed Operations \"Bodily injury\" or \"property damage\" arising out of your work after that work has been completed or abandoned. In this exclusion, your work means: a. Work or operations performed by you or on your behalf; and b. Materials, parts or equipment furnished in connection with such work or operations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Pollution (Auto)","where":"base-form","citation":{"page":242,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\": a. That are, or that are contained in any property that is: (1) Being transported or towed by, handled or handled for movement into, onto or from the covered \"auto\"; (2) Otherwise in the course of transit by or on behalf of the \"insured\"; or (3) Being stored, disposed of, treated or processed in or upon the covered \"auto\";","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"War (Auto)","where":"base-form","citation":{"page":242,"quote":"War \"Bodily injury\" or \"property damage\" arising directly or indirectly out of: a. War, including undeclared or civil war; b. Warlike action by a military force, 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 c. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Racing (Auto)","where":"base-form","citation":{"page":243,"quote":"Racing Covered \"autos\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. This insurance also does not apply while that covered \"auto\" is being prepared for such a contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Nuclear Hazard (Physical Damage Auto)","where":"base-form","citation":{"page":244,"quote":"Nuclear Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"War Or Military Action (Physical Damage Auto)","where":"base-form","citation":{"page":244,"quote":"War Or Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Professional or organized racing or demolition contest","where":"base-form","citation":{"page":244,"quote":"We will not pay for \"loss\" to any covered \"auto\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. We will also not pay for \"loss\" to any covered \"auto\" while that covered \"auto\" is being prepared for such a contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Wear and tear, freezing, mechanical or electrical breakdown","where":"base-form","citation":{"page":244,"quote":"Wear and tear, freezing, mechanical or electrical breakdown.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Blowouts, punctures or other road damage to tires","where":"base-form","citation":{"page":244,"quote":"Blowouts, punctures or other road damage to tires. This exclusion does not apply to such \"loss\" resulting from the total theft of a covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Electronic equipment - audio, visual or data devices","where":"base-form","citation":{"page":244,"quote":"Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Speed-measuring equipment detection devices","where":"base-form","citation":{"page":245,"quote":"Any device designed or used to detect speed-measuring equipment such as radar or laser detectors and any jamming apparatus intended to elude or disrupt speed-measurement equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Electronic equipment reproducing, receiving or transmitting signals","where":"base-form","citation":{"page":244,"quote":"Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Accessories used with electronic equipment","where":"base-form","citation":{"page":244,"quote":"Any accessories used with the electronic equipment described in Paragraph c. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Diminution in value","where":"base-form","citation":{"page":245,"quote":"We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Electronic audio visual data equipment sub-limit","where":"base-form","citation":{"page":245,"quote":"$1,000 is the most we will pay for \"loss\" in any one \"accident\" to all electronic equipment that reproduces, receives or transmits audio, visual or data signals which, at the time of \"loss\", is: a. Permanently installed in or upon the covered \"auto\" in a housing, opening or other location that is not normally used by the \"auto\" manufacturer for the installation of such equipment; b. Removable from a permanently installed housing unit as described in Paragraph 2.a. above or is an integral part of that equipment; or c. An integral part of such equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Supplementary Payments bail bond sub-limit","where":"base-form","citation":{"page":240,"quote":"Up to $2,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an \"accident\" we cover.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2000,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Supplementary Payments loss of earnings","where":"base-form","citation":{"page":240,"quote":"All reasonable expenses incurred by the \"insured\" at our request, including actual loss of earnings up to $250 a day because of time off from work.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":250,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Transportation Expenses sub-limit","where":"base-form","citation":{"page":243,"quote":"We will pay up to $20 per day to a maximum of $600 for temporary transportation expense incurred by you because of the total theft of a covered \"auto\" of the private passenger type.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":600,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Loss of Use for Hired Auto sub-limit","where":"base-form","citation":{"page":243,"quote":"the most we will pay for any expenses for loss of use is $20 per day, to a maximum of $600.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":600,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury (CA 00 01 10 13)","where":"base-form","citation":{"page":252,"quote":"Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the \"insured\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Contractual Liability (CA 00 01 10 13)","where":"base-form","citation":{"page":253,"quote":"Contractual Liability assumed under any contract or agreement. But this exclusion does not apply to liability for damages: a. 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; or b. That the \"insured\" would have in the absence of the contract or agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Workers' Compensation (CA 00 01 10 13)","where":"base-form","citation":{"page":253,"quote":"Workers' Compensation Any obligation for which the \"insured\" or the \"insured's\" insurer may be held liable under any workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Employee Indemnification And Employer's Liability (CA 00 01 10 13)","where":"base-form","citation":{"page":253,"quote":"Employee Indemnification And Employer's Liability \"Bodily injury\" to: a. An \"employee\" of the \"insured\" arising out of and in the course of: (1) Employment by the \"insured\"; or (2) Performing the duties related to the conduct of the \"insured's\" business; or b. The spouse, child, parent, brother or sister of that \"employee\" as a consequence of Paragraph a. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Fellow Employee (CA 00 01 10 13)","where":"base-form","citation":{"page":253,"quote":"Fellow Employee \"Bodily injury\" to: a. Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment or while performing duties related to the conduct of your business; or b. The spouse, child, parent, brother or sister of that fellow \"employee\" as a consequence of Paragraph a. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Care, Custody Or Control (CA 00 01 10 13)","where":"base-form","citation":{"page":254,"quote":"Care, Custody Or Control \"Property damage\" to or \"covered pollution cost or expense\" involving property owned or transported by the \"insured\" or in the \"insured's\" care, custody or control. But this exclusion does not apply to liability assumed under a sidetrack agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Handling Of Property (CA 00 01 10 13)","where":"base-form","citation":{"page":254,"quote":"Handling Of Property \"Bodily injury\" or \"property damage\" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the \"insured\" for movement into or onto the covered \"auto\"; or b. After it is moved from the covered \"auto\" to the place where it is finally delivered by the \"insured\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Movement Of Property By Mechanical Device (CA 00 01 10 13)","where":"base-form","citation":{"page":254,"quote":"Movement Of Property By Mechanical Device \"Bodily injury\" or \"property damage\" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Operations (CA 00 01 10 13)","where":"base-form","citation":{"page":254,"quote":"Operations \"Bodily injury\" or \"property damage\" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of \"mobile equipment\"; or b. Machinery or equipment that is on, attached to or part of a land vehicle that would qualify under the definition of \"mobile equipment\" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Completed Operations (CA 00 01 10 13)","where":"base-form","citation":{"page":254,"quote":"Completed Operations \"Bodily injury\" or \"property damage\" arising out of your work after that work has been completed or abandoned. In this exclusion, your work means: a. Work or operations performed by you or on your behalf; and b. Materials, parts or equipment furnished in connection with such work or operations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Pollution (CA 00 01 10 13)","where":"base-form","citation":{"page":255,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\": a. That are, or that are contained in any property that is: (1) Being transported or towed by, handled or handled for movement into, onto or from the covered \"auto\"; (2) Otherwise in the course of transit by or on behalf of the \"insured\"; or (3) Being stored, disposed of, treated or processed in or upon the covered \"auto\";","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"War (CA 00 01 10 13)","where":"base-form","citation":{"page":255,"quote":"War \"Bodily injury\" or \"property damage\" arising directly or indirectly out of: a. War, including undeclared or civil war; b. 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 c. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Racing (CA 00 01 10 13)","where":"base-form","citation":{"page":255,"quote":"Racing Covered \"autos\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. This insurance also does not apply while that covered \"auto\" is being prepared for such a contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Supplementary Payments bail bond sub-limit (CA 00 01 10 13)","where":"base-form","citation":{"page":252,"quote":"Up to $2,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an \"accident\" we cover.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2000,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Supplementary Payments loss of earnings (CA 00 01 10 13)","where":"base-form","citation":{"page":252,"quote":"All reasonable expenses incurred by the \"insured\" at our request, including actual loss of earnings up to $250 a day because of time off from work.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":250,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","citation":{"page":256,"quote":"a. Nuclear Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"War Or Military Action","where":"base-form","citation":{"page":256,"quote":"b. War Or Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Professional or organized racing or demolition contest or stunting activity","where":"base-form","citation":{"page":256,"quote":"We will not pay for \"loss\" to any covered \"auto\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. 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Any device designed or used to detect speed-measuring equipment, such as radar or laser detectors, and any jamming apparatus intended to elude or disrupt speed-measuring equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment for audio, visual or data signals","where":"base-form","citation":{"page":256,"quote":"c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals. d. Any accessories used with the electronic equipment described in Paragraph c. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Diminution in value","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment sub-limit","where":"base-form","citation":{"page":257,"quote":"b. All electronic equipment that reproduces, receives or transmits audio, visual or data signals in any one \"loss\" is $1,000","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Diminution in value exclusion removal","where":"endorsement","citation":{"page":266,"quote":"B. Changes In Physical Damage Coverage The \"diminution in value\" exclusion does not apply.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 70 01 21","carrierNoticedReduction":false},{"label":"Expected or intended damages","where":"base-form","citation":{"page":275,"quote":"This insurance does not apply to \"damages\": 1. Expected or intended from the standpoint of the insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Breach of contract or agreement","where":"base-form","citation":{"page":275,"quote":"2. For any actual or alleged breach of contract or agreement. This exclusion does not apply to liability for \"damages\" that the insured would have in the absence of the contract or agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Hospital, sanatorium, medical clinic or medical facility","where":"base-form","citation":{"page":275,"quote":"3. Arising out of the operation of any hospital, sanatorium, \"medical clinic\", or any other medical facility or laboratory.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Aircraft, auto, or watercraft","where":"base-form","citation":{"page":275,"quote":"4. Arising out of the ownership, maintenance, use or entrustment to others of any aircraft, \"auto\", or watercraft owned or operated by or rented or loaned to any insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Prescription, utilization, furnishing, or dispensing of drugs or medical supplies","where":"base-form","citation":{"page":275,"quote":"5. Arising out of the prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances, except as directed by a physician, physician assistant, nurse, or a psychologist as permitted under state law, and in the normal practice as a human services organization provider.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Professional services of psychiatrist","where":"base-form","citation":{"page":275,"quote":"6. Arising out of the professional services of any psychiatrist. 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Arising out of the furnishing or failure to furnish professional services by an attorney, architect, engineer, accountant, real estate or investment manager, physician, dentist, anesthesiologist, nurse anesthetist, nurse midwife, x-ray therapist, radiologist, chiropodist, chiropractor, optometrist,","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Membership in formal accreditation or professional board or committee","where":"base-form","citation":{"page":276,"quote":"8. Arising out of membership in a formal accreditation or similar professional board or committee or any hospital or professional society.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Injury to insured or consequential injury to spouse, child, parent, brother or sister","where":"base-form","citation":{"page":276,"quote":"9. Arising out of injury to any insured, or any consequential injury to the spouse, child, parent, brother or sister of that insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Workers compensation, disability benefits or unemployment compensation","where":"base-form","citation":{"page":276,"quote":"10. Arising out of any obligation of the insured under a workers compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Employment-related practices and employment-related claims","where":"base-form","citation":{"page":276,"quote":"11. Arising out of any claim made by: a. A person because of any: (1) Refusal to employ that person; (2) Termination of that person's employment; or (3) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation or discrimination directed at that person","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Advertising injury or personal injury","where":"base-form","citation":{"page":276,"quote":"12. Arising out of \"advertising injury\" or \"personal injury\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Damage to property owned, occupied or used by insured","where":"base-form","citation":{"page":276,"quote":"13. Arising out of damage to property: a. Owned, occupied or used by any insured; b. Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by any insured; c. Which is or was in the possession of any insured or any person acting on behalf of any insured; or d. That is real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are or were performing operations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Pollution hazard, Nuclear hazard, Asbestos hazard, Lead hazard","where":"base-form","citation":{"page":276,"quote":"14. Arising out of any: a. \"Pollution hazard\"; b. \"Nuclear hazard\"; c. \"Asbestos hazard\"; or d. \"Lead hazard\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Discrimination","where":"base-form","citation":{"page":277,"quote":"15. Arising out of actual or alleged discrimination.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Unfair competition or violation of anti-trust laws","where":"base-form","citation":{"page":277,"quote":"16. Arising out of unfair competition or violation of any anti-trust laws.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Inability or failure to collect or pay money","where":"base-form","citation":{"page":277,"quote":"17. Arising out of the inability or failure of the insured or others to collect or pay money.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Insured gaining personal profit or advantage","where":"base-form","citation":{"page":277,"quote":"18. Arising out of an insured gaining any personal profit or advantage to which they are not legally entitled.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"ERISA liability","where":"base-form","citation":{"page":277,"quote":"19. Arising out of liability under the Employment Retirement Income Security Act of 1974 and any amendments to that law, or any similar federal or state law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Criminal, dishonest, fraudulent or malicious act or omission","where":"base-form","citation":{"page":277,"quote":"20. Arising out of any criminal, dishonest, fraudulent or malicious act or omission.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Claims made by another insured","where":"base-form","citation":{"page":277,"quote":"21. Arising out of any claim made or \"suit\" brought against an insured by another insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Managerial or administrative acts, errors or omissions","where":"base-form","citation":{"page":277,"quote":"22. Arising out of acts, errors or omissions of a managerial or administrative nature.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Physical or sexual abuse or molestation","where":"base-form","citation":{"page":277,"quote":"23. Arising out of: a. The actual or threatened physical or sexual abuse or molestation by anyone of any person while in the care, custody or control of any insured; or b. The negligent: (1) employment; (2) investigation; (3) supervision; (4) reporting to the proper authorities, or failure to so report; or (5) retention of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by a. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Disciplinary hearing defense limitation","where":"endorsement","citation":{"page":285,"quote":"1. SECTION I – COVERAGE , A. Insuring Agreement is amended to include the following provision which supersedes anything to the contrary: There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"PI-HS-MD-1","carrierNoticedReduction":true},{"label":"Supplementary Payments disciplinary proceeding defense sub-limit","where":"base-form","citation":{"page":277,"quote":"B. We will reimburse you for reasonable legal services charged by a lawyer we agree to and other expenses you may incur in the investigation and defense of \"disciplinary proceeding(s)\" brought against you arisi ng out of a \" professional i ncident\" that is otherwise covered by this policy. This Coverage is limited to $100,000 per \"professional incident\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Supplementary Payments accreditation board defense sub-limit","where":"base-form","citation":{"page":277,"quote":"C. We will reimburse you for reasonable legal services charged by a lawyer we agree to and other expenses you may incur arising out of any act or omission in the furnishing or failure to furnish services as a formal accreditation, standards review or similar board. This Coverage is limited to $100,000 per incident.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Prescription drugs amendment - Naloxone and nonprescription drugs","where":"endorsement","citation":{"page":284,"quote":"5. Arising out of the prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances, except: a. as directed by a physician, physician assistant, nurse, or a psychologist as permitted under state law, and in the normal practice as a human services organization provider, b. the dispensing of the drug Naloxone (or reasonably equivalent drug) used in response to an opioid overdose as permitted by applicable state or federal law, or c. the dispensing of nonprescription drugs.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-024","carrierNoticedReduction":false},{"label":"Abusive conduct - sexual abuse or molestation exclusion","where":"base-form","citation":{"page":289,"quote":"a. Any \"claim\" or \"suit\" against any person who personally takes part in any \"abusive conduct\"; b. Any \"claim\" or \"suit\" against any person who intentionally fails to report \"abusive conduct\" committed by an \"employee,\" \"volunteer worker\" or any other person for whom any insured is legally responsible; c. Any \"claim\" or \"suit\" against any person who commits an intentional or criminal act","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive conduct - assumed liability exclusion","where":"base-form","citation":{"page":289,"quote":"e. Liability assumed by the insured under any contract or agreement","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive conduct - workers compensation exclusion","where":"base-form","citation":{"page":289,"quote":"f. Any obligation for which an insured, or any insurance carrier of the insured, may be held liable under a workers compensation, disability benefits or unemployment compensation law or any similar law","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive conduct - insurable matters exclusion","where":"base-form","citation":{"page":289,"quote":"g. Any \"claim\" or \"suit\" arising out of matters which may be deemed uninsurable","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive conduct - claims by another insured exclusion","where":"base-form","citation":{"page":289,"quote":"h. Any \"claim\" made against an insured by another insured except a \"claim\" made by an insured who is an \"employee\" or \"volunteer worker,\" subject to Exclusion i. below","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive conduct - employee or volunteer worker claims exclusion","where":"base-form","citation":{"page":289,"quote":"i. Any \"claim\" made by or on behalf of: (1) Your \"employee\" or \"volunteer worker\"; (2) The spouse, child, parent, brother or sister of an \"employee\" or \"volunteer worker\" as a consequence of \"abusive conduct\" to that person; or (3) Any applicants for employment or former \"employees\" or \"volunteer workers.\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive conduct - criminal trial defense costs exclusion","where":"base-form","citation":{"page":290,"quote":"j. Any \"defense costs\" associated with a criminal trial including appeals","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive conduct - prior policy notice exclusion","where":"base-form","citation":{"page":290,"quote":"l. Any \"claim\" arising out of, based upon or attributable to: (1) Any litigation or demand against an insured pending on or before the inception of this policy, including any future litigation or demand based on the prior or pending litigation that is derived from the same or essentially the same facts as alleged in such prior litigation; (2) Any \"abusive conduct,\" fact, circumstance or situation which has been the subject of any written notice given under any other policy of insurance prior to inception of this policy; or (3) Any \"abusive conduct,\" fact, circumstance or situation of which, as of the inception of this policy, the insured had knowledge and from which the insured could reasonably expect a \"claim\" to arise","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive conduct - sexual discrimination and harassment exclusion","where":"base-form","citation":{"page":290,"quote":"m. Any \"claim\" or \"suit\" arising out of sexual discrimination and/or sexual harassment, whether asserted under any federal or state statute or the common or civil law of any jurisdiction.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","citation":{"page":9,"quote":"This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Prop- erty insurance. 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Wear and tear, freezing, mechanical or electrical breakdown.","status":"found-on-other-page"},{"page":256,"path":"restrictions.129.citation","quote":"b. Blowouts, punctures or other road damage to tires. This exclusion does not apply to such \"loss\" resulting from the total theft of a covered \"auto\".","status":"found-on-other-page"},{"page":256,"path":"restrictions.130.citation","quote":"We will not pay for \"loss\" to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment.","status":"found-on-other-page"},{"page":256,"path":"restrictions.131.citation","quote":"b. Any device designed or used to detect speed-measuring equipment, such as radar or laser detectors, and any jamming apparatus intended to elude or disrupt speed-measuring equipment.","status":"found-on-other-page"},{"page":256,"path":"restrictions.132.citation","quote":"c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals. d. Any accessories used with the electronic equipment described in Paragraph c. above.","status":"found-on-other-page"},{"page":276,"path":"restrictions.149.citation","quote":"14. Arising out of any: a. \"Pollution hazard\"; b. \"Nuclear hazard\"; c. \"Asbestos hazard\"; or d. \"Lead hazard\".","status":"not-found"},{"page":277,"path":"restrictions.161.citation","quote":"C. We will reimburse you for reasonable legal services charged by a lawyer we agree to and other expenses you may incur arising out of any act or omission in the furnishing or failure to furnish services as a formal accreditation, standards review or similar board. This Coverage is limited to $100,000 per incident.","status":"not-found"}],"notFound":4,"verified":347,"verifiedExact":263,"pageUnreadable":0,"foundOnOtherPage":38},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":66311,"outputTokens":446,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":73743,"outputTokens":8361,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":23347,"outputTokens":2994,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":22857,"outputTokens":2785,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"vva-umbrella_philadelphia-indemnity_PHUB902534","sha256":"4a1df296cc534e4337e4326f79c36a8316582744d1a6e669e6865b60290f5360","filename":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"umbrella","type":"declarations","notes":"The uploaded document is a packet containing multiple document types under a single policy number (PHUB902534-013): (1) the Commercial Umbrella Liability Insurance Policy Declarations (pages 1–5, form PI-CXL-002 05/19); (2) a Form Schedule – Umbrella Liability listing 29 forms and endorsements (page 6); (3) an endorsement – Exclusion – Adoption and Foster Care Operations (form PI-HS-029 02/20, pages 7–8); and (4) the Commercial Umbrella Liability Insurance Policy coverage form (form PI-CXL-001 03/14, pages 9–30). The dominant character of the packet is the declarations page; classified accordingly. All pages reference the same policy number PHUB902534-013.","carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"pageCount":84,"confidence":"high","namedInsured":{"value":"Vietnam Veterans of America Inc.\nChapters and State Councils","citation":{"page":1,"quote":"NAMED INSURED:  Vietnam Veterans of America Inc.\n                Chapters and State Councils","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"policyNumber":{"value":"PHUB902534-013","citation":{"page":1,"quote":"POLICY NUMBER:  PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":84,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"vva-umbrella_philadelphia-indemnity_PHUB902534","role":"umbrella","term":{"effective":{"value":"2025-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM 03/01/2025 TO 03/01/2026","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"expiration":{"value":"2026-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM 03/01/2025 TO 03/01/2026","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"notes":"The Employers' Liability section of the Schedule of Underlying Insurance (page 3) is blank — no company, policy number, period, or limits are printed. The Employee Benefits Liability, Abusive Conduct Liability, Directors & Officers Liability, Liquor Liability, Watercraft Liability, and Other Coverages rows (pages 4–5) are also blank. Only the three populated rows (Commercial General Liability, Commercial Auto Liability, Professional Liability) are transcribed. The retained limit is labeled 'RETAINED LIMIT' on the declarations page, which is the umbrella's self-insured retention, not a deductible. The attachment point is not expressed as a single printed dollar figure; the Schedule of Underlying Insurance lists the underlying limits, and the attachment is the sum of those, but that sum is not printed as a single figure and is therefore not reported. The form basis is occurrence based on the policy language and the CGL underlying schedule checkbox (Occurrence is checked). The PI-CXL-113 endorsement ('Per Location / Per Project Agg Limit Of Ins Exclusion') excludes per-project aggregate treatment, so perProjectAggregate is omitted.","limits":{"eachOccurrence":{"value":5000000,"citation":{"page":1,"quote":"EACH OCCURRENCE LIMIT (LIABILITY COVERAGE) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":1,"quote":"GENERAL AGGREGATE LIMIT (LIABILITY COVERAGE) (except with respect to Auto Liability and Products Completed Operations) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":5000000,"citation":{"page":1,"quote":"PERSONAL & ADVERTISING INJURY LIMIT $ 5,000,000 Any one person or organization","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":5000000,"citation":{"page":1,"quote":"PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":{"value":10000,"citation":{"page":1,"quote":"RETAINED LIMIT: $ 10,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"confidence":"high","documentIds":["vva-umbrella_philadelphia-indemnity_PHUB902534"],"namedInsured":{"value":"Vietnam Veterans of America Inc. Chapters and State Councils","citation":{"page":1,"quote":"NAMED INSURED: Vietnam Veterans of America Inc. 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An \"employee\" of the insured arising out of and in the course of employment by the insured; or 2. 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The ownership, maintenance or use of trampolines; or b. The supervision of any person using a trampoline.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-021","carrierNoticedReduction":false},{"label":"Fungi or Bacteria","where":"endorsement","citation":{"page":45,"quote":"This insurance does not apply to: Fungi or Bacteria 1. \"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-032","carrierNoticedReduction":false},{"label":"Medical Professional Liability","where":"endorsement","citation":{"page":48,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of any \"professional incident\" by any \"medical professional.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-047","carrierNoticedReduction":false},{"label":"Employee Benefits Liability","where":"endorsement","citation":{"page":50,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of an act, error or omission committed in the \"administration\" of your \"employee benefit program.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-068","carrierNoticedReduction":false},{"label":"Lead Liability","where":"endorsement","citation":{"page":51,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-075","carrierNoticedReduction":false},{"label":"Professional Liability Coverage Sub-Limit","where":"endorsement","citation":{"page":52,"quote":"Each Professional Incident Limit: $______________ Aggregate Limit: $______________ 5,000,000 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":5000000,"formNumber":"PI-CXL-085","carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-Related Liability","where":"endorsement","citation":{"page":53,"quote":"This insurance does not apply to: u. Access or Disclosure of Confidential or Personal Information and Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-088","carrierNoticedReduction":false},{"label":"Automobile Liability Sub-Limit","where":"endorsement","citation":{"page":55,"quote":"AUTOMOBILE LIABILITY SUB-LIMIT: Each Occurrence Limit: $______________ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":5000000,"formNumber":"PI-CXL-092","carrierNoticedReduction":false},{"label":"Recording and Distribution of Material or Information in Violation of Law – Personal and Advertising Injury","where":"endorsement","citation":{"page":56,"quote":"This insurance does not apply to \"personal and advertising injury\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-099","carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","citation":{"page":57,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information, including but not limited to patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information, biometrics, or any other type of nonpublic information;","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-100","carrierNoticedReduction":false},{"label":"Limit of Insurance Exclusion Clause Minimum Limit Requirement","where":"endorsement","citation":{"page":60,"quote":"This policy does not follow and shall not become excess of any coverage which incorporates a limit of insurance or sub-limit of insurance that is less than $1,000,000 and is attached to any \"underlying insurance\" shown in the Schedule of Underlying Insurance.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-111","carrierNoticedReduction":false},{"label":"Per Location / Per Project Aggregate Limit of Insurance Exclusion","where":"endorsement","citation":{"page":61,"quote":"Any per location or per project aggregate limit of insurance that is extended by a policy of \"underlying insurance\" will not apply to any coverage provided by this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-113","carrierNoticedReduction":false},{"label":"Silica or Silica-Related Dust","where":"endorsement","citation":{"page":62,"quote":"This insurance does not apply to: Silica or Silica-Related Dust Any liability, damage, loss, cost or expense arising, in whole or in part, out of: 1. The actual, alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, \"silica\" or \"silica-related dust.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-117","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion","where":"endorsement","citation":{"page":63,"quote":"This insurance does not apply to: Communicable Disease Any liability, damage, loss, cost or expense arising, in whole or in part, out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-132","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","citation":{"page":64,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any injury, damage, loss, cost or expense arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. 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