{"id":"review-mt768cob","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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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.","layerPolicyIds":["vva-umbrella_philadelphia-indemnity_PHUB902534"]}],"restrictions":[{"label":"Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2106","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2106","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2147","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2147","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi Or Bacteria Exclusion","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2167","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2167","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":72,"quote":"NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 00 21 09 08","alsoProvisions":["Exclusion - Nuclear Material and Nuclear Facility"],"carrierNoticedReduction":false},{"label":"California Changes - Actual Cash Value","where":"endorsement","source":"policy-language","citation":{"page":74,"quote":"CALIFORNIA CHANGES – ACTUAL CASH VALUE This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 02 02 20","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"California Changes - Concealment, Misrepresentation or Fraud Condition","where":"endorsement","source":"policy-language","citation":{"page":75,"quote":"The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with respect to loss (\"loss\") or damage caused by fire: We do not provide coverage to the insured (\"insured\") who, whether before or after a loss (\"loss\"), has committed fraud or intentionally concealed or misrepresented any material fact or circumstance","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 04 07 20","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Appraisal Condition","where":"endorsement","source":"policy-language","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: If we and you disagree on the amount of Net Income and operating expense or the amount of loss, either may make written request for an appraisal of the loss.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 04 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation Or Fraud","where":"endorsement","source":"policy-language","citation":{"page":77,"quote":"The 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. Fraud; committed by an insured (\"insured\") at any time and relating to a claim under this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 10 09 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Domestic Partnership","where":"endorsement","source":"policy-language","citation":{"page":78,"quote":"All references to spouse shall include an individual who is in a domestic partnership recognized under Nevada law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 15 01 10","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cancellation Common Policy Condition","where":"endorsement","source":"policy-language","citation":{"page":79,"quote":"The Cancellation Common Policy Condition is amended as follows: 1. Paragraphs 2. and 3. are replaced by the following: a. When this Policy has been in effect for 45 days or less and is not a renewal policy, we may cancel this Policy by mailing to the first Named Insured at the last mailing address known to us written notice of cancellation, stating the reason for cancellation, at least: (1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 02 07 12 17","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Midterm Cancellation","where":"endorsement","source":"policy-language","citation":{"page":82,"quote":"If this policy has been in effect for 70 days or more, or if this policy is a renewal of a policy we issued, we may cancel only for one or more of the following reasons: (1) Nonpayment of premium; (2) Conviction of the insured of a crime arising out of acts increasing the hazard insured against","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 02 51 09 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cancellation and Nonrenewal","where":"endorsement","source":"policy-language","citation":{"page":84,"quote":"All Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued, we may cancel this policy by mailing or delivering to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, advance written notice of cancellation, stating the reason for cancellation, at least: a. 10 days before the effective date of cancellation if we cancel for: (1) Nonpayment of premium","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 02 70 07 20","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap On Certified Acts Of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":88,"quote":"If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 09 52 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Cyber Liability And Electronic Exclusion","where":"endorsement","source":"policy-language","citation":{"page":89,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-ACL-001","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nevada - 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Caused by alleged, actual or threatened abuse or molestation by anyone","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-029","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":327,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PI-PROF-002 (06/20)... This endorsement excludes coverage f or prof essional liability arising out of the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-PROF-002","alsoProvisions":["Absolute Communicable Disease Exclusion - Professional Liability"],"carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":325,"quote":"TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY– PI-PROF-003 (02/24)... This exclusion excludes coverage for liability arising out of, in any way related to, or would not have occurred in whole or in part f or the actual or alleged exposure to Perf luorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS).","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-PROF-003","alsoProvisions":["Total Exclusion - PFC/PFAS"],"carrierNoticedReduction":false},{"label":"Absolute Abuse or Molestation Exclusion Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":100,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person caused by the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-018","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation Or Fraud","where":"base-form","source":"policy-language","citation":{"page":119,"quote":"This Coverage Part is void in any case of fraud by you as it relates to this Coverage Part at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Coverage Part; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Coverage Part.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 00 90","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Property Not Covered - Electronic Data","where":"base-form","source":"policy-language","citation":{"page":111,"quote":"The most we will pay for loss or damage to outdoor signs, whether or not the sign is attached to a building, is $2,500 per sign in any one occurrence.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":2500,"formNumber":"CP 00 10","alsoProvisions":["Limits on Electronic Data Coverage","Outdoor Signs Limit","Fire Department Service Charge Limit","Pollutant Clean-up And Removal Limit","Increased Cost of Construction Limit","Outdoor Property Extension Limit","Non-owned Detached Trailers Extension Limit","Personal Effects and Property of Others Limit","Valuable Papers and Records Limit","Property Off-premises Extension Limit","Business Personal Property Temporarily In Portable Storage Units Limit","Newly Acquired Or Constructed Property Extension - Buildings Limit","Newly Acquired Or Constructed Property Extension - Business Personal Property Limit"],"carrierNoticedReduction":false},{"label":"Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability – With Limited Bodily Injury Exception","where":"endorsement","source":"policy-language","citation":{"page":179,"quote":"Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 06 05 14","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":326,"quote":"COMMUNICABLE DISEASE EXCLUSION ENDORSEMENT – CG 21 32 05 09... This endorsement excludes coverage for liability arising out of the actual or alleged t ransmis sion of a communicable disease which includes but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 32 05 09","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","source":"policy-language","citation":{"page":181,"quote":"\"Bodily injury\" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or (c) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 47 12 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Amendment of Liquor Liability Exclusion – Exception for Scheduled Premises or Activities","where":"endorsement","source":"policy-language","citation":{"page":182,"quote":"\"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person, including causing or contributing to the intoxication of any person because alcoholic beverages were permitted to be brought on your premises, for consumption on your premises; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 51 04 13","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi Or Bacteria Exclusion","where":"endorsement","source":"policy-language","citation":{"page":183,"quote":"Fungi Or Bacteria a. \"Bodily injury\" or \"property damage\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 67 12 04","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":184,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 70 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion - Lead Liability","where":"endorsement","source":"policy-language","citation":{"page":190,"quote":"\"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" arising out of or caused by the actual or alleged: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-001","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion - Asbestos Liability","where":"endorsement","source":"policy-language","citation":{"page":194,"quote":"\"Bodily injury,\" \"property damage,\" and \"personal and advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-002","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","source":"policy-language","citation":{"page":196,"quote":"\"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-042","alsoProvisions":["Total Exclusion - PFC/PFAS General Liability"],"carrierNoticedReduction":false},{"label":"Damage to Premises Rented to You","where":"endorsement","source":"policy-language","citation":{"page":203,"quote":"We will pay for the cost to replace keys and locks at the \"clients\" premises due to theft or other loss to keys entrusted to you by your \"client,\" up to a $10,000 limit per occurrence and $10,000 policy aggregate.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":1000000,"formNumber":"PI-GLD-HS","alsoProvisions":["Limited Rental Lease Agreement Contractual Liability","Damage to Property You Own, Rent or Occupy","Medical Payments","Supplementary Payments – Bail Bonds","Supplementary Payment – Loss of Earnings","Employee Indemnification Defense Coverage","Key and Lock Replacement – Janitorial Services Client Coverage"],"carrierNoticedReduction":false},{"label":"Exclusion Professional Liability Coverage","where":"endorsement","source":"policy-language","citation":{"page":210,"quote":"\"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of: 1. The rendering or failure to render: a. Medical, surgical, dental, x-ray or nursing service, treatment, advice or instruction, or the related furnishing of food or beverages","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-005","alsoProvisions":[],"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","Nuclear Incidents Or Conditions"],"carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","source":"policy-language","citation":{"page":227,"quote":"ABUSE OR MOLESTATION EXCLUSION This insurance does not apply to any injury sustained by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-006","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Special Events Exclusions","where":"endorsement","source":"policy-language","citation":{"page":228,"quote":"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":[],"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","Faulty materials, improper workmanship, errors in design or specifications","Theft from any unattended vehicle","Wear, tear, gradual deterioration, depreciation, any quality in the property that causes it to damage or destroy itself","Dryness or dampness of atmosphere, extremes or changes of temperature including freezing; insects, vermin, rodents, or worms","Debris Removal sub-limit","Pollutant Clean-Up and Removal sub-limit","Additional Acquired Property sub-limit"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":245,"quote":"Wear and tear, freezing, mechanical or electrical breakdown.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":1000,"formNumber":"CA 00 01 03 10","alsoProvisions":["Contractual Liability","Workers' Compensation","Employee Indemnification And Employer's Liability","Fellow Employee","Care, Custody Or Control","Handling Of Property","Movement Of Property By Mechanical Device","Operations","Completed Operations","Pollution","War","Racing","Nuclear Hazard","War Or Military Action","Wear and tear, freezing, mechanical or electrical breakdown","Blowouts, punctures or other road damage to tires","Electronic equipment and devices exclusion","Diminution in value","Electronic equipment sub-limit","Supplementary Payments sub-limit (bail bonds)","Transportation Expenses sub-limit","Loss Of Use Expenses For Hired Auto sub-limit"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","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\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 00 01 10 13","alsoProvisions":["Contractual Liability","Workers' Compensation","Employee Indemnification And Employer's Liability","Fellow Employee","Care, Custody Or Control","Handling Of Property","Movement Of Property By Mechanical Device","Operations","Completed Operations","Pollution","War","Racing"],"carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","source":"policy-language","citation":{"page":257,"quote":"We will not pay for \"loss\" to any covered \"auto\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. We will also not pay for \"loss\" to any covered \"auto\" while that covered \"auto\" is being prepared for such a contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":1000,"formNumber":"CA 00 01","alsoProvisions":["War Or Military Action","Racing or Demolition Contest","Wear and Tear, Freezing, Mechanical or Electrical Breakdown","Tire Damage","Audio, Visual or Data Electronic Devices","Speed-Measuring Equipment Detectors","Electronic Equipment for Audio, Visual or Data Signals","Accessories for Electronic Equipment","Diminution in Value","Electronic Equipment Sub-Limit"],"carrierNoticedReduction":false},{"label":"Maryland Changes – Collision Coverage in Mexico","where":"endorsement","source":"policy-language","citation":{"page":263,"quote":"MARYLAND CHANGES – COLLISION COVERAGE IN MEXICO","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"California Changes – Other Insurance","where":"endorsement","source":"policy-language","citation":{"page":264,"quote":"CALIFORNIA CHANGES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 43","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Maryland Changes – Fellow Employee Exclusion","where":"endorsement","source":"policy-language","citation":{"page":266,"quote":"The Fellow Employee Exclusion is replaced by the following: Fellow Employee \"Bodily injury\" to: a. Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment or while performing duties related to the conduct of your business","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 70","alsoProvisions":["Maryland Changes – Racing Exclusion","Maryland Changes – Diminution in Value"],"carrierNoticedReduction":false},{"label":"Abusive Conduct – Personal Participation","where":"base-form","source":"policy-language","citation":{"page":290,"quote":"Any \"defense costs\" associated with a criminal trial including appeals","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-008","alsoProvisions":["Abusive Conduct – Intentional Failure to Report","Abusive Conduct – Intentional or Criminal Act","Abusive Conduct – Prior Known Conduct","Abusive Conduct – Assumed Liability","Abusive Conduct – Workers Compensation","Abusive Conduct – Uninsurable Claims","Abusive Conduct – Claims by Another Insured","Abusive Conduct – Employee or Volunteer Claims","Abusive Conduct – Criminal Defense Costs","Abusive Conduct – Pre-inception Conduct","Abusive Conduct – Prior Litigation or Notice","Abusive Conduct – Sexual Discrimination and Harassment"],"carrierNoticedReduction":false},{"label":"Human Services – Expected or Intended Damages","where":"base-form","source":"policy-language","citation":{"page":277,"quote":"Arising out of actual or alleged discrimination.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":100000,"formNumber":"PI-HS-003","alsoProvisions":["Human Services – Breach of Contract","Human Services – Medical Facility Operation","Human Services – Aircraft, Auto or Watercraft","Human Services – Drugs or Medical Supplies","Human Services – Psychiatrist Services","Human Services – Professional Services Exclusion","Human Services – Formal Accreditation Board Membership","Human Services – Injury to Insured","Human Services – Workers Compensation","Human Services – Employment-Related Claims","Human Services – Advertising Injury and Personal Injury","Human Services – Damage to Property","Human Services – Pollution, Nuclear, Asbestos, Lead Hazards","Human Services – Discrimination","Human Services – Unfair Competition","Human Services – Inability to Collect Money","Human Services – Personal Profit or Advantage","Human Services – ERISA and Similar Laws","Human Services – Criminal, Dishonest, Fraudulent or Malicious Acts","Human Services – Claims by Another Insured","Human Services – Managerial or Administrative Acts","Human Services – Physical or Sexual Abuse or Molestation","Disciplinary Hearing Defense Sub-Limit","Accreditation Board Legal Reimbursement Sub-Limit"],"carrierNoticedReduction":false},{"label":"Amendment of Exclusion – Prescription/Nonprescription Drugs","where":"endorsement","source":"policy-language","citation":{"page":284,"quote":"AMENDMENT OF EXCLUSION – PRESCRIPTION/ NONPRESCRIPTION DRUGS, SUPPLIES OR APPLIANCES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-024","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Maryland Changes – Health Care Provider Disciplinary Defense","where":"endorsement","source":"policy-language","citation":{"page":285,"quote":"There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-MD-1","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":9,"quote":"EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form a part of your insurance contract. No coverage is provided by this Notice, nor can it be construed to replace any provisions of your policy (including its endorsements). If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) shall prevail. Carefully read your policy, including the endorsements attached to your policy. This Notice provides information concerning the following new endorsement, which applies to your new or re- newal policy being issued by us: Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 40 07 06 This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Prop- erty insurance. It points out that there is no coverage under such insurance for loss or damage caused by or re- sulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 01 40 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":10,"quote":"EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form a part of your insurance contract. No coverage is provided by this Notice, nor can it be construed to replace any provisions of your policy (including its endorsements). If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) shall prevail. Carefully read your policy, including the endorsements attached to your policy. This Notice provides information concerning the following new endorsement, which applies to your new or re- newal policy being issued by us: Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 75 07 06 This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Prop- erty insurance. It points out that there is no coverage under such insurance for loss or damage caused by or re- sulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 01 75 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"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 Data","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-002","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Mismatch Exclusion","where":"endorsement","source":"policy-language","citation":{"page":11,"quote":"PI-CP-123 (07/24) – MISMATCH EXCLUSION... The Mismatch Exclusion adds an exclusion for mismatch of color or materials between undamaged roof or siding material and new roof or siding material used to repair or replace damaged roof or siding material.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-123","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Existing Damage Exclusion","where":"endorsement","source":"policy-language","citation":{"page":11,"quote":"PI-CP-124 (07/24) – EXISTING DAMAGE EXCLUSION... The Existing Damage Exclusion adds an exclusion for damages occurring prior to the inception date of the policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-124","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion - Umbrella","where":"endorsement","source":"policy-language","citation":{"page":327,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PI-CXL-132 (06/20)... This endorsement adds an exclusion to the Umbrella f or claims related to the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CXL-132","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for General Liability Coverages","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"CA 25 57 10 13 – COMMUNICABLE DISEASE EXCLUSION FOR GENERAL LIABILITY COVERAGES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 25 57 10 13","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for Garage Operations – Other Than Covered Autos","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"PI-CA-030 (12/20) – COMMUNICABLE DISEASE EXCLUSION FOR GARAGE OPERATIONS – OTHER THAN COVERED AUTOS","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-030","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for General Liability Coverages – Illinois","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"PI-CA-031 IL (12/20) – COMMUNICABLE DISEASE EXCLUSION FOR GENERAL LIABILITY COVERAGES – ILLINOIS","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-031 IL","alsoProvisions":["Communicable Disease Exclusion for General Liability Coverages – Washington"],"carrierNoticedReduction":false},{"label":"Notice of Reduction in Coverage","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"NOTICE OF REDUCTION IN COVERAGE","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-AD-CDEX-NOTICE 1","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Directors and Officers Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":38,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising from any \"wrongful act\" of any director or officer of the insured in the discharge or performance of their duties as such.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-004","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employers' Liability (Stop Gap) Exclusion","where":"endorsement","source":"policy-language","citation":{"page":39,"quote":"This insurance does not apply to any liability for \"bodily injury,\" disability or shock, including death at any time resulting from any of these, and, if arising out of the foregoing mental anguish or mental injury sustained by: 1. An \"employee\" of the insured arising out of and in the course of employment by the insured; or 2. 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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"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-021","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","source":"policy-language","citation":{"page":45,"quote":"This insurance does not apply to: Fungi or Bacteria 1. \"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-032","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":46,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-039","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Medical Professional Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":48,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of any \"professional incident\" by any \"medical professional.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-047","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Non-Owned Watercraft Amendment","where":"endorsement","source":"policy-language","citation":{"page":49,"quote":"(2) Watercraft you do not own that is: (a) Less than 58 feet long; and (b) Not being used to carry persons or property for a charge.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-054","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employee Benefits Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":50,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of an act, error or omission committed in the \"administration\" of your \"employee benefit program.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-068","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":51,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. 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Access or Disclosure of Confidential or Personal Information and Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-088","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Automobile Liability (Sublimit)","where":"endorsement","source":"policy-language","citation":{"page":55,"quote":"Notwithstanding any provision to the contrary, this policy will provide auto liability coverage subject to the AUTOMOBILE LIABILITY SUB-LIMIT shown in the endorsement SCHEDULE above. 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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. 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These are the carrier's own words, not a reading of the policy, and they are listed with this reading. 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":111,"quote":"The most we will pay for loss or damage to outdoor signs, whether or not the sign is attached to a building, is $2,500 per sign in any one occurrence.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":203,"quote":"We will pay for the cost to replace keys and locks at the \"clients\" premises due to theft or other loss to keys entrusted to you by your \"client,\" up to a $10,000 limit per occurrence and $10,000 policy aggregate.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":237,"quote":"Unexplained disappearance.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":245,"quote":"Wear and tear, freezing, mechanical or electrical breakdown.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"dependsOn":[],"statement":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures. Property Not Covered - Electronic Data is capped at 2,500. Damage to Premises Rented to You is capped at 1,000,000. Governmental Action is capped at 5,000. Expected Or Intended Injury is capped at 1,000.","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-mt768cob","decisions":[],"unanswered":[{"reason":"The provided pages do not say whether defense costs erode the limits. 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It includes a Common Policy Declarations (pages 1-2), Forms Schedule – Policy (page 3), Locations Schedule (page 4), Additional Insured Schedule (pages 5-7), Fees and Surcharge Schedule (page 8), advisory notices (pages 9-11), Commercial Property Coverage Part Declarations and supporting schedules (pages 12-14), Commercial General Liability Coverage Part Declarations and supporting schedules (pages 15-18), Commercial Inland Marine Coverage Part Declarations and supporting schedules (pages 19-22), and Business Auto Declarations (pages 23-30 including advisory notices and schedule pages). The document is typed as declarations and lined as general-liability per the task instruction that presence of a general liability coverage part anywhere controls, despite the packet opening with property and containing multiple lines.","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 primary Commercial General Liability policy. No schedule of underlying insurance is present because this is a primary policy, not an umbrella or excess. The CGL declarations page (page 15) prints the limits clearly. The retroactive date field is present on the declarations page and states 'NONE', indicating this is an occurrence-form policy (confirmed by CG0001 04 13 in the GL forms schedule, which is the occurrence form). Defense costs treatment cannot be determined from the pages provided; the policy language form CG0001 04 13 is referenced but its text was not included in the provided pages — standard CG 00 01 pays defense in addition to limits, but this cannot be confirmed from the pages read. No deductible or self-insured retention is printed on the CGL declarations page. The forms schedule above combines the policy-level schedule (page 3) and the GL-specific forms schedule (page 16); both are attached to this policy. The policy also includes Commercial Property, Commercial Auto, and Commercial Inland Marine coverage parts, each with their own declarations and forms schedules, but the task extraction focuses on the liability coverage part. The Medical Expense Limit is printed as $0 on page 15.","limits":{"eachOccurrence":{"value":1000000,"citation":{"page":15,"quote":"$ 1,000,000 Each Occurrence Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"generalAggregate":{"value":3000000,"citation":{"page":15,"quote":"$ 3,000,000 General Aggregate Limit (Other Than Products – Completed Operations)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":1000000,"citation":{"page":15,"quote":"$ 1,000,000 Personal and Advertising Injury Limit (Any One Person or Organization)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":3000000,"citation":{"page":15,"quote":"$ 3,000,000 Products/Completed Operations Aggregate Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}},"carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company\nA Stock Company (Nonparticipating)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["vva-gl-package_philadelphia-indemnity_PHPK2661220"],"namedInsured":{"value":"Vietnam Veterans of America Inc\nChapters and State Councils","citation":{"page":1,"quote":"Vietnam Veterans of America Inc\nChapters and State Councils\n8719 Colesville Rd Ste 100\nSilver Spring, MD 20910-3919","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"policyNumber":{"value":"PHPK2661220-013","citation":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"restrictions":[{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","citation":{"page":72,"quote":"NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Exclusion - Nuclear Material and Nuclear Facility","where":"endorsement","citation":{"page":72,"quote":"The insurance does not apply: A. Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an \"insured\" under the policy is also an insured under a nuclear energy liability policy","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"California Changes - Actual Cash Value","where":"endorsement","citation":{"page":74,"quote":"CALIFORNIA CHANGES – ACTUAL CASH VALUE This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 02 02 20","carrierNoticedReduction":false},{"label":"California Changes - Concealment, Misrepresentation or Fraud Condition","where":"endorsement","citation":{"page":75,"quote":"The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with respect to loss (\"loss\") or damage caused by fire: We do not provide coverage to the insured (\"insured\") who, whether before or after a loss (\"loss\"), has committed fraud or intentionally concealed or misrepresented any material fact or circumstance","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: If we and you disagree on the amount of Net Income and operating expense or the amount of loss, either may make written request for an appraisal of the loss.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 04 07","carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation Or Fraud","where":"endorsement","citation":{"page":77,"quote":"The 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. Fraud; committed by an insured (\"insured\") at any time and relating to a claim under this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 10 09 07","carrierNoticedReduction":false},{"label":"Domestic Partnership","where":"endorsement","citation":{"page":78,"quote":"All references to spouse shall include an individual who is in a domestic partnership recognized under Nevada law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 15 01 10","carrierNoticedReduction":false},{"label":"Cancellation Common Policy Condition","where":"endorsement","citation":{"page":79,"quote":"The Cancellation Common Policy Condition is amended as follows: 1. Paragraphs 2. and 3. are replaced by the following: a. When this Policy has been in effect for 45 days or less and is not a renewal policy, we may cancel this Policy by mailing to the first Named Insured at the last mailing address known to us written notice of cancellation, stating the reason for cancellation, at least: (1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 02 07 12 17","carrierNoticedReduction":false},{"label":"Midterm Cancellation","where":"endorsement","citation":{"page":82,"quote":"If this policy has been in effect for 70 days or more, or if this policy is a renewal of a policy we issued, we may cancel only for one or more of the following reasons: (1) Nonpayment of premium; (2) Conviction of the insured of a crime arising out of acts increasing the hazard insured against","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 02 51 09 07","carrierNoticedReduction":false},{"label":"Cancellation and Nonrenewal","where":"endorsement","citation":{"page":84,"quote":"All Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued, we may cancel this policy by mailing or delivering to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, advance written notice of cancellation, stating the reason for cancellation, at least: a. 10 days before the effective date of cancellation if we cancel for: (1) Nonpayment of premium","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 02 70 07 20","carrierNoticedReduction":false},{"label":"Cap On Certified Acts Of Terrorism","where":"endorsement","citation":{"page":88,"quote":"If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 09 52 01 15","carrierNoticedReduction":false},{"label":"Absolute Cyber Liability And Electronic Exclusion","where":"endorsement","citation":{"page":89,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-ACL-001","carrierNoticedReduction":false},{"label":"Nevada - Removal of Mandatory Arbitration and Insertion of Non-Binding Arbitration","where":"endorsement","citation":{"page":92,"quote":"This endorsement modifies any Coverage Part/Coverage Form/Policy or Endorsement we issue to a Nevada insured by deleting any mandatory arbitration provision included in such Coverage Part/Coverage Form/Policy or Endorsement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-ARB-1 NV","carrierNoticedReduction":false},{"label":"Cancellation Notice to Scheduled Additional Insured or Certificate Holder","where":"endorsement","citation":{"page":93,"quote":"In the event we cancel the policy in accordance with the policy's terms and conditions, we will endeavor to mail written notice of cancellation to Additional Insureds or Certificate Holders, shown in the above SCHEDULE within the time frame listed below.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CANXAICH-002","carrierNoticedReduction":false},{"label":"Nevada Changes – Domestic Partnership","where":"endorsement","citation":{"page":94,"quote":"All references to spouse shall include an individual who is in a domestic partnership recognized under Nevada law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CLD-CU NV","carrierNoticedReduction":false},{"label":"Exclusion – Adoption And Foster Care Operations","where":"endorsement","citation":{"page":95,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, sum, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person or organization and which is: A. Caused by alleged, actual or threatened abuse or molestation by anyone","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-029","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion Professional Liability","where":"endorsement","citation":{"page":97,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error or omission, or damage arising out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-PROF-002","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability","where":"endorsement","citation":{"page":98,"quote":"This insurance does not apply to: A. Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any loss, cost, expense, fine, penalty, act, error or omission, injury or damage, or attorney's fees arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-PROF-003","carrierNoticedReduction":false},{"label":"Absolute Abuse or Molestation Exclusion Professional Liability","where":"endorsement","citation":{"page":100,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person caused by the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-018","carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation Or Fraud","where":"base-form","citation":{"page":119,"quote":"This Coverage Part is void in any case of fraud by you as it relates to this Coverage Part at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Coverage Part; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Coverage Part.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 00 90","carrierNoticedReduction":false},{"label":"Property Not Covered - Electronic Data","where":"base-form","citation":{"page":104,"quote":"Electronic data, except as provided under the Additional Coverage, Electronic Data. Electronic data means information, facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Limits on Electronic Data Coverage","where":"base-form","citation":{"page":109,"quote":"The most we will pay under this Additional Coverage, Electronic Data, is $2,500 (unless a higher limit is shown in the Declarations) for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or damage or the number of premises, locations or computer systems involved.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Outdoor Signs Limit","where":"base-form","citation":{"page":111,"quote":"The most we will pay for loss or damage to outdoor signs, whether or not the sign is attached to a building, is $2,500 per sign in any one occurrence.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Fire Department Service Charge Limit","where":"base-form","citation":{"page":106,"quote":"we will pay up to $1,000 for service at each premises described in the Declarations, unless a higher limit is shown in the Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Pollutant Clean-up And Removal Limit","where":"base-form","citation":{"page":107,"quote":"The most we will pay under this Additional Coverage for each described premises is $10,000 for the sum of all covered expenses arising out of Covered Causes of Loss occurring during each separate 12-month period of this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Increased Cost of Construction Limit","where":"base-form","citation":{"page":107,"quote":"The most we will pay under this Additional Coverage, for each described building insured under this Coverage Form, is $10,000 or 5% of the Limit of Insurance applicable to that building, whichever is less.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Outdoor Property Extension Limit","where":"base-form","citation":{"page":110,"quote":"The most we will pay for loss or damage under this Extension is $1,000, but not more than $250 for any one tree, shrub or plant.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Non-owned Detached Trailers Extension Limit","where":"base-form","citation":{"page":111,"quote":"The most we will pay for loss or damage under this Extension is $5,000, unless a higher limit is shown in the Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":5000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Personal Effects and Property of Others Limit","where":"base-form","citation":{"page":110,"quote":"The most we will pay for loss or damage under this Extension is $2,500 at each described premises.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Valuable Papers and Records Limit","where":"base-form","citation":{"page":110,"quote":"Under this Extension, the most we will pay to replace or restore the lost information is $2,500 at each described premises, unless a higher limit is shown in the Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Property Off-premises Extension Limit","where":"base-form","citation":{"page":110,"quote":"The most we will pay for loss or damage under this Extension is $10,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Business Personal Property Temporarily In Portable Storage Units Limit","where":"base-form","citation":{"page":111,"quote":"Under this Extension, the most we will pay for the total of all loss or damage to business personal property is $10,000 (unless a higher limit is indicated in the Declarations for such Extension) regardless of the number of storage units.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Newly Acquired Or Constructed Property Extension - Buildings Limit","where":"base-form","citation":{"page":109,"quote":"The most we will pay for loss or damage under this Extension is $250,000 at each building.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":250000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Newly Acquired Or Constructed Property Extension - Business Personal Property Limit","where":"base-form","citation":{"page":109,"quote":"The most we will pay for loss or damage under this Extension is $100,000 at each building.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability – With Limited Bodily Injury Exception","where":"endorsement","citation":{"page":179,"quote":"Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 06 05 14","carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","citation":{"page":180,"quote":"Communicable Disease \"Bodily injury\" or \"property damage\" arising out of the actual or alleged transmission of a communicable disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 32 05 09","carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","citation":{"page":181,"quote":"\"Bodily injury\" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or (c) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 47 12 07","carrierNoticedReduction":false},{"label":"Amendment of Liquor Liability Exclusion – Exception for Scheduled Premises or Activities","where":"endorsement","citation":{"page":182,"quote":"\"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person, including causing or contributing to the intoxication of any person because alcoholic beverages were permitted to be brought on your premises, for consumption on your premises; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 51 04 13","carrierNoticedReduction":false},{"label":"Fungi Or Bacteria Exclusion","where":"endorsement","citation":{"page":183,"quote":"Fungi Or Bacteria a. \"Bodily injury\" or \"property damage\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 67 12 04","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":184,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 70 01 15","carrierNoticedReduction":false},{"label":"Exclusion - Lead Liability","where":"endorsement","citation":{"page":189,"quote":"\"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" arising out of or caused by the actual or alleged: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-001","carrierNoticedReduction":false},{"label":"Exclusion - Lead Liability","where":"endorsement","citation":{"page":190,"quote":"\"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" arising out of or caused by the actual or alleged: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-001","carrierNoticedReduction":false},{"label":"Exclusion - Asbestos Liability","where":"endorsement","citation":{"page":192,"quote":"\"Bodily injury,\" \"property damage,\" \"personal injury\" or \"advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-002","carrierNoticedReduction":false},{"label":"Exclusion - Asbestos Liability","where":"endorsement","citation":{"page":193,"quote":"\"Bodily injury,\" \"property damage,\" \"personal and advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-002","carrierNoticedReduction":false},{"label":"Exclusion - Asbestos Liability","where":"endorsement","citation":{"page":194,"quote":"\"Bodily injury,\" \"property damage,\" and \"personal and advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-002 CA","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","citation":{"page":196,"quote":"\"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-042","carrierNoticedReduction":false},{"label":"Damage to Premises Rented to You","where":"endorsement","citation":{"page":200,"quote":"The Damage To Premises Rented To You Limit section of the Declarations is amended to the greater of: a. $1,000,000; or b. The amount shown in the Declarations as the Damage to Premises Rented to You Limit.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000000,"formNumber":"PI-GLD-HS","carrierNoticedReduction":false},{"label":"Limited Rental Lease Agreement Contractual Liability","where":"endorsement","citation":{"page":199,"quote":"we agree to indemnify the named insured for their liability assumed in a contract or agreement regarding the rental or lease of a premises on behalf of their client, up to $50,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":50000,"formNumber":"PI-GLD-HS","carrierNoticedReduction":false},{"label":"Damage to Property You Own, Rent or Occupy","where":"endorsement","citation":{"page":200,"quote":"Property you own, rent, or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property, unless the damage to property is caused by your client, up to a $30,000 limit.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":30000,"formNumber":"PI-GLD-HS","carrierNoticedReduction":false},{"label":"Medical Payments","where":"endorsement","citation":{"page":202,"quote":"The Medical Expense Limit is changed subject to all of the terms of SECTION III - LIMITS OF INSURANCE to the greater of: a. $20,000; or b. 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Pollution, Coverage A.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","citation":{"page":227,"quote":"ABUSE OR MOLESTATION EXCLUSION 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":"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. 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or (2) Nuclear reaction or radiation, or radioactive contamination from any other cause.","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.","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.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Artificially generated current","where":"base-form","citation":{"page":237,"quote":"Artificially generated current creating a short circuit or other electrical disturbance within the Covered Property.","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, any quality in the property that causes it to damage or destroy itself","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; 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An \"employee\" of the \"insured\" arising out of and in the course of: (1) Employment by the \"insured\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Fellow Employee","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","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Care, Custody Or Control","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.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Handling Of Property","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\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Movement Of Property By Mechanical Device","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","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\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Completed Operations","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.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Pollution","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\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":243,"quote":"War \"Bodily injury\" or \"property damage\" arising directly or indirectly out of: a. War, including undeclared or civil war","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Racing","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.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Nuclear Hazard","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","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":"Wear and tear, freezing, mechanical or electrical breakdown","where":"base-form","citation":{"page":245,"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":245,"quote":"Blowouts, punctures or other road damage to tires.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Electronic equipment and devices exclusion","where":"base-form","citation":{"page":245,"quote":"We will not pay for \"loss\" to any of the following: a. 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An \"employee\" of the \"insured\" arising out of and in the course of: (1) Employment by the \"insured\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Fellow Employee","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","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Care, Custody Or Control","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.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Handling Of Property","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\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Movement Of Property By Mechanical Device","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","where":"base-form","citation":{"page":254,"quote":"Operations \"Bodily injury\" or \"property damage\" arising out of the operation of: a. 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(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","where":"base-form","citation":{"page":290,"quote":"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":"Human Services – Expected or Intended Damages","where":"base-form","citation":{"page":275,"quote":"Expected or intended from the standpoint of the insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Breach of Contract","where":"base-form","citation":{"page":275,"quote":"For any actual or alleged breach of contract or agreement. 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Use includes operation and \"loading or unloading\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Drugs or Medical Supplies","where":"base-form","citation":{"page":275,"quote":"Arising out of the prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances, except as directed by a physician, physician assistant, nurse, or a psychologist as permitted under state law, and in the normal practice as a human services organization provider.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Psychiatrist Services","where":"base-form","citation":{"page":275,"quote":"Arising out of the professional services of any psychiatrist. However, with respect to you only, this exclusion does not apply to services performed by a psychiatrist so long as you have written confirmation of malpractice insurance covering such individual with limits of at least $1,000,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Professional Services Exclusion","where":"base-form","citation":{"page":275,"quote":"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, or veterinarian.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Formal Accreditation Board Membership","where":"base-form","citation":{"page":276,"quote":"Arising out of membership in a formal accreditation or similar professional board or committee or any hospital or professional society.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Injury to Insured","where":"base-form","citation":{"page":276,"quote":"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":"Human Services – Workers Compensation","where":"base-form","citation":{"page":276,"quote":"Arising out of any obligation of the insured under a workers compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Employment-Related Claims","where":"base-form","citation":{"page":276,"quote":"Arising out of any claim made by: a. A person because of any: (1) Refusal to employ that person; (2) Termination of that person's employment; or (3) Employment-related practices, policies, acts or omissions","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Advertising Injury and Personal Injury","where":"base-form","citation":{"page":276,"quote":"Arising out of \"advertising injury\" or \"personal injury\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Damage to Property","where":"base-form","citation":{"page":276,"quote":"Arising out of damage to property: a. Owned, occupied or used by any insured; b. Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by any insured","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Pollution, Nuclear, Asbestos, Lead Hazards","where":"base-form","citation":{"page":276,"quote":"Arising out of any: a. \"Pollution hazard\"; b. \"Nuclear hazard\"; c. \"Asbestos hazard\"; or d. \"Lead hazard\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Discrimination","where":"base-form","citation":{"page":277,"quote":"Arising out of actual or alleged discrimination.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Unfair Competition","where":"base-form","citation":{"page":277,"quote":"Arising out of unfair competition or violation of any anti-trust laws.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Inability to Collect Money","where":"base-form","citation":{"page":277,"quote":"Arising out of the inability or failure of the insured or others to collect or pay money.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Personal Profit or Advantage","where":"base-form","citation":{"page":277,"quote":"Arising out of an insured gaining any personal profit or advantage to which they are not legally entitled.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – ERISA and Similar Laws","where":"base-form","citation":{"page":277,"quote":"Arising out of liability under the Employment Retirement Income Security Act of 1974 and any amendments to that law, or any similar federal or state law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Criminal, Dishonest, Fraudulent or Malicious Acts","where":"base-form","citation":{"page":277,"quote":"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":"Human Services – Claims by Another Insured","where":"base-form","citation":{"page":277,"quote":"Arising out of any claim made or \"suit\" brought against an insured by another insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Managerial or Administrative Acts","where":"base-form","citation":{"page":277,"quote":"Arising out of acts, errors or omissions of a managerial or administrative nature.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Human Services – Physical or Sexual Abuse or Molestation","where":"base-form","citation":{"page":277,"quote":"Arising out of: a. The actual or threatened physical or sexual abuse or molestation by anyone of any person while in the care, custody or control of any insured","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Disciplinary Hearing Defense Sub-Limit","where":"base-form","citation":{"page":277,"quote":"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 arising out of a \"professional incident\" that is otherwise covered by this policy. This Coverage is limited to $100,000 per \"professional incident\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Accreditation Board Legal Reimbursement Sub-Limit","where":"base-form","citation":{"page":277,"quote":"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":"Amendment of Exclusion – Prescription/Nonprescription Drugs","where":"endorsement","citation":{"page":284,"quote":"AMENDMENT OF EXCLUSION – PRESCRIPTION/ NONPRESCRIPTION DRUGS, SUPPLIES OR APPLIANCES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-024","carrierNoticedReduction":false},{"label":"Maryland Changes – Health Care Provider Disciplinary Defense","where":"endorsement","citation":{"page":285,"quote":"There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-MD-1","carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","citation":{"page":9,"quote":"EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form a part of your insurance contract. No coverage is provided by this Notice, nor can it be construed to replace any provisions of your policy (including its endorsements). If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) shall prevail. Carefully read your policy, including the endorsements attached to your policy. This Notice provides information concerning the following new endorsement, which applies to your new or re- newal policy being issued by us: Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 40 07 06 This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Prop- erty insurance. It points out that there is no coverage under such insurance for loss or damage caused by or re- sulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 01 40 07 06","carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","citation":{"page":10,"quote":"EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form a part of your insurance contract. No coverage is provided by this Notice, nor can it be construed to replace any provisions of your policy (including its endorsements). If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) shall prevail. Carefully read your policy, including the endorsements attached to your policy. 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The Employee Benefits Liability, Abusive Conduct Liability, Directors & Officers Liability, Liquor Liability (page 4), Watercraft Liability, and Other Coverages (page 5) sections are also blank. Only three lines carry printed data: Commercial General Liability, Commercial Auto Liability, and Professional Liability, all on policy PHPK2661220-013 with Philadelphia Indemnity Insurance Company. The retained limit is labeled 'RETAINED LIMIT' on the declarations page rather than 'deductible' or 'self-insured retention'; it has been recorded as selfInsuredRetention as the closest match to how umbrella retained limits operate, but the document uses neither of those exact terms. The attachment point is not stated as a discrete figure; the schedule of underlying insurance limits serve as the functional attachment point but no single attachment point dollar figure is printed on the declarations. Form PI-CXL-113 is titled 'Per Location / Per Project Agg Limit Of Ins Exclusion,' which excludes rather than grants a per-project aggregate, so perProjectAggregate is omitted. Defense costs language on page 10 states supplementary payments 'will not reduce the limits of insurance,' supporting defenseInsideLimits: no. Drop-down language on page 10 of the policy form (PI-CXL-001) confirms the umbrella responds when underlying is exhausted or when coverage is not provided by underlying.","limits":{"eachOccurrence":{"value":5000000,"citation":{"page":1,"quote":"EACH OCCURRENCE LIMIT (LIABILITY COVERAGE) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":1,"quote":"GENERAL AGGREGATE LIMIT (LIABILITY COVERAGE) (except with respect to Auto Liability and Products Completed Operations) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":5000000,"citation":{"page":1,"quote":"PERSONAL & ADVERTISING INJURY LIMIT $ 5,000,000 Any one person or organization","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":5000000,"citation":{"page":1,"quote":"PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":{"value":10000,"citation":{"page":1,"quote":"RETAINED LIMIT: $ 10,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"confidence":"high","documentIds":["vva-umbrella_philadelphia-indemnity_PHUB902534"],"namedInsured":{"value":"Vietnam Veterans of America Inc. Chapters and State Councils","citation":{"page":1,"quote":"NAMED INSURED: Vietnam Veterans of America Inc. Chapters and State Councils","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"policyNumber":{"value":"PHUB902534-013","citation":{"page":1,"quote":"POLICY NUMBER: PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"restrictions":[{"label":"Directors and Officers Liability Exclusion","where":"endorsement","citation":{"page":38,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising from any \"wrongful act\" of any director or officer of the insured in the discharge or performance of their duties as such.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-004","carrierNoticedReduction":false},{"label":"Employers' Liability (Stop Gap) Exclusion","where":"endorsement","citation":{"page":39,"quote":"This insurance does not apply to any liability for \"bodily injury,\" disability or shock, including death at any time resulting from any of these, and, if arising out of the foregoing mental anguish or mental injury sustained by: 1. An \"employee\" of the insured arising out of and in the course of employment by the insured; or 2. The spouse, child, parent, brother or sister of that \"employee\" as a consequence of 1. above.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-006","carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","citation":{"page":40,"quote":"This insurance does not apply to any injury, liability, damage, loss, cost or expense sustained or incurred by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-007","carrierNoticedReduction":false},{"label":"Subsidence Exclusion","where":"endorsement","citation":{"page":41,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense, whether direct or indirect, arising out of, caused by, resulting from, contributed to or aggravated by the subsidence of land, including any: settling, expansion, sinking, slipping, falling away, tilting, caving in, shifting, eroding, mud flow, rising, or any other movement of land or earth if any of the foregoing emanate from the operations of the insured or any other person for whose acts the insured is legally liable.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-014","carrierNoticedReduction":false},{"label":"Athletic Participants and Officials Exclusion","where":"endorsement","citation":{"page":42,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense for injury sustained by: Any person while practicing for, or participating in, or officiating at, any athletic contest or exhibition; or Any person specified below:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-015","carrierNoticedReduction":false},{"label":"Trampoline Exclusion","where":"endorsement","citation":{"page":43,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. The ownership, maintenance or use of trampolines; or b. The supervision of any person using a trampoline.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-021","carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","citation":{"page":45,"quote":"This insurance does not apply to: Fungi or Bacteria 1. \"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-032","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":46,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-039","carrierNoticedReduction":false},{"label":"Medical Professional Liability Exclusion","where":"endorsement","citation":{"page":48,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of any \"professional incident\" by any \"medical professional.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-047","carrierNoticedReduction":false},{"label":"Non-Owned Watercraft Amendment","where":"endorsement","citation":{"page":49,"quote":"(2) Watercraft you do not own that is: (a) Less than 58 feet long; and (b) Not being used to carry persons or property for a charge.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-054","carrierNoticedReduction":false},{"label":"Employee Benefits Liability Exclusion","where":"endorsement","citation":{"page":50,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of an act, error or omission committed in the \"administration\" of your \"employee benefit program.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-068","carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","citation":{"page":51,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead","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: $______________ Notwithstanding any provision to the contrary, this policy will provide the Applicable Professional Liability Coverage(s) subject to the Professional Liability Coverage Sub-Limits shown in the endorsement SCHEDULE above. 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 Exclusion – with Limited Bodily Injury Exception","where":"endorsement","citation":{"page":53,"quote":"This insurance does not apply to: u. Access or Disclosure of Confidential or Personal Information and Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-088","carrierNoticedReduction":false},{"label":"Automobile Liability (Sublimit)","where":"endorsement","citation":{"page":55,"quote":"Notwithstanding any provision to the contrary, this policy will provide auto liability coverage subject to the AUTOMOBILE LIABILITY SUB-LIMIT shown in the endorsement SCHEDULE above. This sub-limit is part of, and not in addition to, the Limits of Insurance stated in the Declarations. 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":5000000,"formNumber":"PI-CXL-092","carrierNoticedReduction":false},{"label":"Recording and Distribution of Material or Information in Violation of Law – Personal and Advertising Injury Exclusion","where":"endorsement","citation":{"page":56,"quote":"This insurance does not apply to \"personal and advertising injury\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA)","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","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-100","carrierNoticedReduction":false},{"label":"Limit of Insurance Exclusion Clause Minimum Limit Requirement","where":"endorsement","citation":{"page":60,"quote":"This policy does not follow and shall not become excess of any coverage which incorporates a limit of insurance or sub-limit of insurance that is less than $1,000,000 and is attached to any \"underlying insurance\" shown in the Schedule of Underlying Insurance.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-111","carrierNoticedReduction":false},{"label":"Per Location / Per Project Aggregate Limit of Insurance Exclusion","where":"endorsement","citation":{"page":61,"quote":"Any per location or per project aggregate limit of insurance that is extended by a policy of \"underlying insurance\" will not apply to any coverage provided by this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-113","carrierNoticedReduction":false},{"label":"Silica or Silica-Related Dust Exclusion","where":"endorsement","citation":{"page":62,"quote":"This insurance does not apply to: Silica or Silica-Related Dust Any liability, damage, loss, cost or expense arising, in whole or in part, out of: 1. The actual, alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, \"silica\" or \"silica-related dust.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-117","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion","where":"endorsement","citation":{"page":63,"quote":"This insurance does not apply to: Communicable Disease Any liability, damage, loss, cost or expense arising, in whole or in part, out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-132","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","citation":{"page":64,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any injury, damage, loss, cost or expense arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-137","carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-HS-029","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","citation":{"page":12,"quote":"Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Workers Compensation and Similar Laws","where":"base-form","citation":{"page":12,"quote":"Workers Compensation and Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Employment Related Practices","where":"base-form","citation":{"page":12,"quote":"Employment Related Practices \"Bodily injury\" or \"personal and advertising injury\" to:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":13,"quote":"War \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" however caused arising, directly or indirectly out of:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"E.R.I.S.A.","where":"base-form","citation":{"page":13,"quote":"E.R.I.S.A. Any obligation of the insured under the Employees' Retirement Income Security Act (E.R.I.S.A.) and any amendments thereto or any similar federal, state, or local statute.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":13,"quote":"Contractual Liability \"Bodily injury\" or \"property damage\" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Aircraft or Watercraft","where":"base-form","citation":{"page":13,"quote":"Aircraft or Watercraft \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance, use or entrustment to others of any aircraft or watercraft owned, or operated by; or rented or loaned to any insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Auto Coverages","where":"base-form","citation":{"page":14,"quote":"Auto Coverages (1) \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance or use of any \"auto\" which is not an \"auto\" covered by \"underlying insurance\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Other Personal and Advertising Injury Exclusions","where":"base-form","citation":{"page":14,"quote":"Other Personal and Advertising Injury Exclusions \"Personal and advertising injury\":","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Property","where":"base-form","citation":{"page":16,"quote":"Damage to Property \"Property damage\" to property:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Your Product","where":"base-form","citation":{"page":16,"quote":"Damage to Your Product \"Property damage\" to \"your product\" arising out of it or any part of it.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Your Work","where":"base-form","citation":{"page":16,"quote":"Damage to Your Work \"Property damage\" to \"your work\" arising out of it or any part of it and included in the \"products-completed operations hazard.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Impaired Property or Property Not Physically Injured","where":"base-form","citation":{"page":16,"quote":"Damage to Impaired Property or Property Not Physically Injured \"Property damage\" to \"impaired property\" or property that has not been physically injured, arising out of:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Recall of Products, Work or Impaired Property","where":"base-form","citation":{"page":17,"quote":"Recall of Products, Work or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":17,"quote":"Pollution (1) \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" arising out of the actual alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\":","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Discrimination","where":"base-form","citation":{"page":19,"quote":"Discrimination Any liability arising from discrimination:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Asbestos","where":"base-form","citation":{"page":19,"quote":"Asbestos \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" arising out of the \"asbestos hazard.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Nuclear Energy Liability","where":"base-form","citation":{"page":19,"quote":"Nuclear Energy Liability Under any Liability Coverage, to \"bodily injury\" or \"property damage\":","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Liquor Liability","where":"base-form","citation":{"page":21,"quote":"Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Trade or Economic Sanctions","where":"base-form","citation":{"page":21,"quote":"Trade or Economic Sanctions To the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Electronic Data","where":"base-form","citation":{"page":21,"quote":"Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access or inability to manipulate electronic data.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Distribution of Material in Violation of Statutes","where":"base-form","citation":{"page":21,"quote":"Distribution of Material in Violation of Statutes \"Bodily injury\" or \"property damage\" arising directly or indirectly out of any action or omission that violates or is alleged to violate:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Commercial Umbrella Liability Ins Policy Declarations","citation":{"page":6,"quote":"Commercial Umbrella Liability Ins Policy Declarations","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"edition":{"value":"0519","citation":{"page":6,"quote":"PI-CXL-002 0519","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formNumber":{"value":"PI-CXL-002","citation":{"page":6,"quote":"PI-CXL-002","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},{"title":{"value":"Commercial Umbrella Liability Insurance Policy","citation":{"page":6,"quote":"Commercial Umbrella Liability Insurance Policy","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"edition":{"value":"0314","citation":{"page":6,"quote":"PI-CXL-001 0314","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formNumber":{"value":"PI-CXL-001","citation":{"page":6,"quote":"PI-CXL-001","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},{"title":{"value":"Directors And 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