{"id":"review-mt78v8j9","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"ut-system-rocip-program_multi-carrier_2017-2023","pagesSwept":286,"pagesTotal":316,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted.","The reading proceeded without: Underlying policy GLO 4353409-00 scheduled by 47-XSF-304056-01; Underlying policy WC0183286 scheduled by 47-XSF-304056-01. Each absence is flagged and cited; no person was asked."],"unsatisfied":["expectation:47-xsf-304056-01:glo-4353409-00","expectation:47-xsf-304056-01:wc0183286","expectation:1000023859:glo0183287","expectation:1000023859:wc0183286","expectation:1000023859:g46798673-001","expectation:1000023859:gl00183287"],"expectations":[{"id":"expectation:47-xsf-304056-01:glo-4353409-00","what":"Underlying policy GLO 4353409-00 scheduled by 47-XSF-304056-01","basis":"cited","source":{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:47-xsf-304056-01:wc0183286","what":"Underlying policy WC0183286 scheduled by 47-XSF-304056-01","basis":"cited","source":{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:xsm-g46798673-001:47-xsf-304056-01","what":"Underlying policy 47-XSF-304056-01 scheduled by XSM G46798673 001","basis":"cited","source":{"page":267,"quote":"Policy# 47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:1000023859:47-xsf-304056-01","what":"Underlying policy 47-XSF-304056-01 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: 47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:1000023859:glo0183287","what":"Underlying policy GLO0183287 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:1000023859:wc0183286","what":"Underlying policy WC0183286 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: WCO1 83286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:1000023859:g46798673-001","what":"Underlying policy G46798673 001 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: G46798673 001","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:1000023859:gl00183287","what":"Underlying policy GL00183287 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: GLOOJ83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:eco-23-58-07-14-29:47-xsf-304056-01","what":"Underlying policy 47-XSF-304056-01 scheduled by ECO (23) 58 07 14 29","basis":"cited","source":{"page":306,"quote":"47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:eco-23-58-07-14-29:xsm-g46798673-001","what":"Underlying policy XSM G46798673 001 scheduled by ECO (23) 58 07 14 29","basis":"cited","source":{"page":306,"quote":"XSM G46798673 001","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:eco-23-58-07-14-29:1000023859","what":"Underlying policy 1000023859 scheduled by ECO (23) 58 07 14 29","basis":"cited","source":{"page":306,"quote":"1000023859","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"documentsRead":["ut-system-rocip-program_multi-carrier_2017-2023"]},"answers":[{"state":"fail","message":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"fail","message":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"fail","message":"The policies name different insureds. A tower is one entity's coverage, so stacking policies belonging to two entities produces a total nobody actually has. Confirm these belong together before the figures are relied on.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"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":"pass","message":"No endorsement announces itself as a reduction in coverage. Other restrictions may still be attached; this asks only what the carrier flagged.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"fail","message":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"line":"Employer's Liability","role":"unknown","limit":1000000,"carrier":"Zurich American Insurance Company","inTower":false,"sources":{"limit":{"page":204,"quote":"$1,000,000 Each Accident","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":204,"quote":"Zurich American Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"scheduled-1","effective":"2017-08-01","formBasis":"unknown","deductible":null,"expiration":"2023-08-01","formNumbers":[],"namedInsured":null,"policyNumber":"WC0183286","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":null,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"primary","limit":2000000,"carrier":"ZURICH AMERICAN INSURANCE COMPANY","inTower":true,"sources":{"limit":{"page":135,"quote":"EACH OCCURRENCE LIMIT $ 2,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":135,"quote":"ZURICH AMERICAN INSURANCE COMPANY","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":135,"quote":"Policy Number: GLO 0183287-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":135,"quote":"GENERAL AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"perProjectAggregate":{"page":137,"quote":"X B. The Products-Completed Operations Aggregate Limit applies separately to each \"designated project\" for which B. is selected.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"productsCompletedOpsAggregate":{"page":135,"quote":"PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["U-GL-D-1115-B CW","U-GL-1364-A CW","U-GL-D-1306-B CW","U-GL-D-1306-B CW","CG 00 01 04 13","U-GL-1114-A CW","U-GL-1114-A CW","U-GL-1114-A CW","U-GL-1114-A CW","U-GL-1114-A CW","U-GL-1054-A CW"],"namedInsured":"THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM","policyNumber":"GLO 0183287-00","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":"NONE","aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":5000000,"selfInsuredRetention":null,"personalAdvertisingInjury":2000000,"productsCompletedOpsAggregate":5000000},{"line":"General Liability","role":"unknown","limit":2000000,"carrier":"Zurich American Insurance Company","inTower":true,"sources":{"limit":{"page":204,"quote":"$2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":204,"quote":"Zurich American Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":204,"quote":"$5,000,000 General Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"scheduled-0","effective":"2017-08-01","formBasis":"unknown","deductible":null,"expiration":"2023-08-01","formNumbers":[],"namedInsured":null,"policyNumber":"GLO 4353409-00","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":25000000,"carrier":"Berkshire Hathaway Specialty Insurance Company","inTower":true,"sources":{"limit":{"page":198,"quote":"A. Per Occurrence $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":198,"quote":"Berkshire Hathaway Specialty Insurance Company\n1314 Douglas Street, Suite 1400\nOmaha, NE 68102-1944","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":198,"quote":"Policy No.: 47-XSF-304056-O1","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":201,"quote":"We will pay on behalf of the \"insured\" those sums in excess of the \"retained limit\" that the \"insured\" becomes legally obligated to pay as damages because of injury or damage to which this insurance applies.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":198,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"perProjectAggregate":{"page":216,"quote":"Per Project Products-Completed Operations Aggregate Limit of Insurance (Applicable to Each Construction Project With Construction Value In Excess of $100,000,000): a. $25,000,000 (During the Policy Period); and b. $25,000,000 (Products Completed Operations Extension Period)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"productsCompletedOpsAggregate":{"page":198,"quote":"C. Products-Completed Operations Aggregate Limit: $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["FF-XS-DEC-10/2014","CLP-UN-016-07/2013","FFP-XS-001-10/2014","FFP-XS-002-11/2014","CLP-UN-010-07/2013","CLP-UN-017-07/2013","CLP-UN-078-11/2013","CL-UN-083-01/2015","FFP-XS-013-07/2014","FF-XS-026-02/2016","CL-UN-075-12/2016","MANUSCRIPT","MANUSCRIPT","FF-XS-005-07/2014"],"namedInsured":"The University Of Texas System","policyNumber":"47-XSF-304056-01","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":25000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":25000000,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":25000000},{"line":null,"role":"excess","limit":25000000,"carrier":"Indemnity Insurance Company of North America","inTower":true,"sources":{"limit":{"page":265,"quote":"USD $ 25,000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":265,"quote":"Issuing Company: Indemnity Insurance Company of North America","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":265,"quote":"Policy Number: XSM G46798673 001","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":265,"quote":"Underlying Limits: a) USD $ 25,000,000 Each Occurrence (Insuring Agreement 2.) b) USD $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":265,"quote":"USD $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["XSM-43897","ALL-38009","XSM-43898","XSM-43896","ALL-20887A","XS-28500A","IL P 001","CC-1K11H","XSM-43899","XSC-27522A","TRIA 11D","ALL-21101","MS-208330"],"namedInsured":"The Board of Regents of the University of Texas System","policyNumber":"XSM G46798673 001","scheduledOnly":false,"attachmentPoint":25000000,"exhaustionPoint":50000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":25000000,"carrier":"Starr Indemnity & Liability Company","inTower":true,"sources":{"limit":{"page":280,"quote":"a) $ 25,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":280,"quote":"Starr Indemnity & Liability Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":280,"quote":"Policy No.: 1000023859","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":280,"quote":"a) $ 50,000,000 Per Occurrence\nb) $ 50,000,000 Aggregate Where Applicable\nwhich in turn is excess of any applicable limits and/or retentions as more fully set forth in the Lead Underlying Policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":280,"quote":"b) $ 25,000,000 Aggregate Where Applicable","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p280","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["MARSH XSELLENCE FORM 10/2014","EXCESS LIABILITY POLICY SCHEDULE OF UNDERLYING INSURANCE","XSM-343 (01/16)","XSM-344 (01/2015)","XS-369 TX (05/09)","XS-301 TX (10/08)","XS-363 TX (03/09)","XS-331 TX (10/08)","XS-175 (10/08)"],"namedInsured":"University of Texas ROCIP VII and as more fully set forth in the Lead Underlying Policy","policyNumber":"1000023859","scheduledOnly":false,"attachmentPoint":50000000,"exhaustionPoint":75000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":25000000,"carrier":"Ohio Casualty Insurance Company","inTower":true,"sources":{"limit":{"page":304,"quote":"a) $ 25000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":304,"quote":"Coverage is Provided In: Ohio Casualty Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":304,"quote":"Policy No.: ECO (23) 58 07 14 29","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":306,"quote":"$25,000,000 EACH OCCURRENCE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":304,"quote":"b) $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["NP 73 12 01 15","CE 75 00 01 15","CE 75 10 01 15","CE 75 13 01 15","CE 75 06 01 15","CE 75 07 01 15","CE 75 05 01 15","CE 75 04 01 15"],"namedInsured":"THE UNIVERSITY OF TEXAS SYSTEM","policyNumber":"ECO (23) 58 07 14 29","scheduledOnly":false,"attachmentPoint":75000000,"exhaustionPoint":100000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null}],"totalLimit":100000000,"towerIssues":[{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 47-XSF-304056-01 names GLO 4353409-00, which was not provided.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p198","scheduled-0"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 47-XSF-304056-01 names WC0183286, which was not provided.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p198","scheduled-1"]},{"kind":"underlying-number-mismatch","amount":null,"detail":"The schedule on 1000023859 names GLO0183287, and a policy numbered GLO 0183287-00 was provided. One reads as the other with an affix attached or a character misread in scanning, and they share the same each-occurrence limit. Confirm they are the same policy before the tower is relied on.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","ut-system-rocip-program_multi-carrier_2017-2023"],"providedNumber":"GLO 0183287-00","scheduledNumber":"GLO0183287"},{"kind":"underlying-number-mismatch","amount":null,"detail":"The schedule on 1000023859 names G46798673 001, and a policy numbered XSM G46798673 001 was provided. One reads as the other with an affix attached or a character misread in scanning, and they share the same each-occurrence limit. Confirm they are the same policy before the tower is relied on.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","ut-system-rocip-program_multi-carrier_2017-2023#p265"],"providedNumber":"XSM G46798673 001","scheduledNumber":"G46798673 001"},{"kind":"underlying-number-mismatch","amount":null,"detail":"The schedule on 1000023859 names GL00183287, and a policy numbered GLO 0183287-00 was provided. One reads as the other with an affix attached or a character misread in scanning, and they share the same each-occurrence limit. Confirm they are the same policy before the tower is relied on.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","ut-system-rocip-program_multi-carrier_2017-2023"],"providedNumber":"GLO 0183287-00","scheduledNumber":"GL00183287"},{"kind":"attachment-chained","amount":25000000,"detail":"ECO (23) 58 07 14 29 is placed at 75,000,000, where 1000023859 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","ut-system-rocip-program_multi-carrier_2017-2023#p304"]},{"kind":"attachment-gap","amount":23000000,"detail":"GLO 0183287-00 exhausts at 2,000,000 on its line, XSM G46798673 001 does not pay until 25,000,000, and XSM G46798673 001 states that it does not drop down when an underlying exhausts. The insured carries that 23,000,000 band.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023","ut-system-rocip-program_multi-carrier_2017-2023#p265"]},{"kind":"attachment-gap","amount":23000000,"detail":"GLO 4353409-00 exhausts at 2,000,000 on its line, XSM G46798673 001 does not pay until 25,000,000, and XSM G46798673 001 states that it does not drop down when an underlying exhausts. The insured carries that 23,000,000 band.","layerPolicyIds":["scheduled-0","ut-system-rocip-program_multi-carrier_2017-2023#p265"]}],"restrictions":[{"label":"Liability assumed under a contract","where":"base-form","source":"policy-language","citation":{"page":75,"quote":"Liability assumed under a contract. This exclusion does not apply to a warranty that your work will be done in a workmanlike manner","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"WC 00 00 00 C","alsoProvisions":["Punitive or exemplary damages because of bodily injury to an employee employed in violation of law","Bodily injury to an employee while employed in violation of law with your actual knowledge or the actual knowledge of any of your executive officers","Any obligation imposed by a workers compensation, occupational disease, unemployment compensation, or disability benefits law, or any similar law","Bodily injury intentionally caused or aggravated by you","Bodily injury occurring outside the United States of America, its territories or possessions, and Canada","Damages arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination against or termination of any employee, or any personnel practices, policies, acts or omissions","Bodily injury to any person in work subject to the Longshore and Harbor Workers' Compensation Act and other federal workers or workmen's compensation laws","Bodily injury to any person in work subject to the Federal Employers' Liability Act","Bodily injury to a master or member of the crew of any vessel","Fines or penalties imposed for violation of federal or state law","Damages payable under the Migrant and Seasonal Agricultural Worker Protection Act"],"carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","source":"policy-language","citation":{"page":80,"quote":"The policy does not cover work conducted at or from ANY LOCATION EXCEPT THE CONFINES OF THE PROJECT SITE AS DESCRIBED BELOW","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"WC 00 0302","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":117,"quote":"Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an \"insured\" under the policy is also an insured under a nuclear energy liability policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"IL 00 21","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Sanctions Exclusion","where":"endorsement","source":"policy-language","citation":{"page":105,"quote":"we shall not provide coverage nor will we make any payments or provide any service or benefit to any insured, beneficiary, or third party who may have any rights under this policy to the extent that such cover, payment, service, benefit, or any business or activity of the insured would violate any applicable trade or economic sanctions law or regulation","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GU-1191-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":108,"quote":"If aggregate insured losses attributable to one or more \"certified acts of terrorism\" exceed $100 billion in a calendar year (January 1 through December 31) and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GU-767-B","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Projects","where":"endorsement","source":"policy-language","citation":{"page":112,"quote":"LIMITATION OF COV TO DESIGNATED PROJECTS","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1305-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Contractors' Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":112,"quote":"EXCL-CONTRACTORS—PROF LIAB","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1313-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Pollution Exclusion with Exceptions","where":"endorsement","source":"policy-language","citation":{"page":112,"quote":"TOTAL POLLUTION EXCL—WITH EXCEPTIONS","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG 26 39","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":112,"quote":"ASBESTOS EXCLUSION ENDORSEMENT","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1298-C","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":112,"quote":"LEAD LIABILITY EXCLUSION","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1336-B","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion—Exterior Insulation & Finish System","where":"endorsement","source":"policy-language","citation":{"page":177,"quote":"The following exclusion is added to Paragraph 2. Exclusions, of Section 1- Coverage A - Bodily Injury And Property Dam age Liability and Paragraph 2. Exclusions, of Coverage B - Personal And Advertising Injury Liability: This insurance does not apply to: Lead (1) \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, resulting from, caused by or related to: the actual, alleged or threatened: (a) Exposure to or existence of lead, paint containing lead, or any other material, product or substance containing lead; or (b) Manufacture, distribution, sale, resale, re-branding, installation, repair, removal, encapsulation, abatement, replacement or handling of lead, paint containing lead, or any other material, product or substance containing lead, whether the lead is or was at any time airborne, ingested, inhaled, absorbed, transmitted in any fashion, or found in any form whatsoever, or whether any other cause, event, material, product or substance contributed concurrently or in any sequence to the injury or damage.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1342-A","alsoProvisions":["Lead Liability Exclusion"],"carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","source":"policy-language","citation":{"page":168,"quote":"Paragraph f. does not include that part of any contract or agreement: (1) That indemnifies a railroad for 'bodily injury\" or \"property damage\" arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, roadbeds, tunnel, underpass or crossing; (2) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports. surveys, field orders, change orders or drawings and specifications; or (b) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage; (3) Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in (2) above and supervisory, inspec tion, architectural or engineering activities; or (4) Under which you agree to indemnify another person or organization in a contract or agreement for liability that results solely from negligence of the indemnitee and does not directly relate to \"your work\" done far the indemnitee.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1180-A","alsoProvisions":["Limited Contractual Liability"],"carrierNoticedReduction":false},{"label":"Silica or Silica Mixed Dust Exclusion","where":"endorsement","source":"policy-language","citation":{"page":164,"quote":"Unintentional Failure to Disclose Hazards... Any unintentional error or omission in the description of, or failure to completely describe, any premises or operations intended to be covered by this Commercial General Liability Coverage Form will not invalidate or affect coverage for those premises or operations.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1054-A","alsoProvisions":["Unintentional Failure to Disclose Hazards"],"carrierNoticedReduction":false},{"label":"Damage to the Project Exclusion","where":"endorsement","source":"policy-language","citation":{"page":112,"quote":"DAMAGE TO THE PROJECT EXCLUSION","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1299-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Electronic Data Liability Endorsement","where":"endorsement","source":"policy-language","citation":{"page":112,"quote":"ELECTRONIC DATA LIABILITY ENDORSEMENT","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1300-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law","where":"endorsement","source":"policy-language","citation":{"page":126,"quote":"Recording And Distribution Of Material Or Information In Violation Of Law Exclusion... This endorsement modifies insurance provided under the: Commercial General Liability Coverage Part","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1517-B","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Silica or Silica Mixed Dust","where":"endorsement","source":"policy-language","citation":{"page":134,"quote":"Silica or Silica Mixed Dust Exclusion... This endorsement modifies insurance provided under the: Commercial General Liability Coverage Part","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-923-B","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":145,"quote":"Infringement Of Copyright, Patent, Trademark Or Trade Secret \"Personal and advertising injury\" arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG 00 01","alsoProvisions":["Contractual Liability","Liquor Liability","Workers' Compensation And Similar Laws","Employer's Liability","Pollution","Aircraft, Auto Or Watercraft","Mobile Equipment","War","Damage To Property","Damage To Your Product","Damage To Your Work","Damage To Impaired Property Or Property Not Physically Injured","Recall Of Products, Work Or Impaired Property","Personal And Advertising Injury","Electronic Data","Knowing Violation Of Rights Of Another","Material Published With Knowledge Of Falsity","Material Published Prior To Policy Period","Criminal Acts","Breach Of Contract","Quality Or Performance Of Goods — Failure To Conform To Statements","Wrong Description Of Prices","Infringement Of Copyright, Patent, Trademark Or Trade Secret","Insureds In Media And Internet Type Businesses","Electronic Chatrooms Or Bulletin Boards","Unauthorized Use Of Another's Name Or Product"],"carrierNoticedReduction":false},{"label":"Fungi Or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":165,"quote":"Fungi Or Bacteria Exclusion Endorsement... The following exclusion is added to paragraph 2. Exclusions of Section 1. — Coverage A — Bodily Injury And Property Damage Liability and paragraph 2. Exclusions of Coverage B — Personal And Advertising Injury Liability","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1171-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Sudden & Accidental Pollution","where":"endorsement","source":"policy-language","citation":{"page":162,"quote":"SUDDEN & ACCIDENTAL POLLUTION... TOTAL POLLUTION EXCLUSION WITH A BUILDING HEATING, COOLING AND DEHUMIDIFYING EQUIPMENT EXCEPTION, HOSTILE FIRE EXCEPTION, AND SHORT—TERM DISCHARGE EXCEPTION","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1114-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Additional Insured — Automatic — Owners, Lessees Or Contractors","where":"endorsement","source":"policy-language","citation":{"page":166,"quote":"B. With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to: \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of the rendering of, or failure to render, any professional architectural, engineering or surveying services including: a. The preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or b. Supervisory, inspection, architectural or engineering activities.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1 175-F CW (04/13)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion — Exterior Insulation and Finish Systems on Residential or Frame Buildings","where":"endorsement","source":"policy-language","citation":{"page":169,"quote":"A. This insurance does not apply to \"bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, caused by, or attributable, whether in whole or in part, to the following: 1. The design, manufacture, construction, fabrication, preparation, distribution and sale, installation, application, maintenance or repair, including remodeling, service, correction or replacement, of any \"exterior insulation and finish system\" or any part thereof, or any substantially similar system or any part thereof, including the application or use of conditioners, primers, accessories, flashings, coatings, caulking or sealants in connection with such a system, on any \"residential building construction\" or \"frame building\"; or 2. \"Your product\" or \"your work\" with respect to any exterior component, fixture or feature of any structure if an \"exterior insulation and finish system\", or any substantially similar system, is used on the part of that \"residential building construction\" or \"frame building\" containing that component, fixture or feature.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1 265-B CW (07/15)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":178,"quote":"The following exclusion is added to paragraph 2. Exclusions of Section 1 - Coverage A — Bodily Injury And Property Damage Liability and Coverage B - Personal And Advertising Injury Liability: 2. Exclusions This insurance does not apply to: Asbestos A. \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of or which would not have occurred, in whole or in part, but for the actual, alleged or threatened discharge, dispersal, release, leakage, leaching, friability, flaking, escape or presence of asbestos, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to the injury or damage","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GC-1178-A CW (07/03)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Damage to the Project Exclusion","where":"endorsement","source":"policy-language","citation":{"page":181,"quote":"Solely with respect to any \"designated project\", exclusion j. of Paragraph 2. Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: 2. Exclusions This insurance does not apply to: j. Damage to Property \"Property damage\" to: (1) Property you own, rent, or occupy, 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; (2) Premises you sell, give away or abandon, if the \"property damage\" arises out of any part of those premises; (3) Property loaned to you; (4) Personal property in the care, custody or control of any insured; (5) Any part of any \"designated project(s)\", including materials, machinery and equipment intended to become a part of the \"designated project(s)\", if such \"property damage\" occurs during the course of construction; or (6) That particular part of any property that must be restored, repaired or replaced because \"your work\" was incorrectly performed on it.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1301-B-CW(04/11)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Project(s)","where":"endorsement","source":"policy-language","citation":{"page":182,"quote":"1. The insurance provided by this policy applies only to \"bodily injury\", \"property damage\", \"personal and advertising injury\" and medical expenses arising out of the \"designated project(s)\" shown in the SCHEDULE above. 2. For purposes of this insurance, \"Designated Project\" does not include: (1) \"Your work\" at other projects or project site(s) or locations not shown in the SCHEDULE above; (2) Your other operations that are not connected to or do not emanate from the project shown in the SCHEDULE above, including operations at your permanent locations","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1 305- A CW (02/07)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Electronic Data Liability Exclusion — Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability","where":"endorsement","source":"policy-language","citation":{"page":189,"quote":"A. Exclusion 2.p. of Coverage A — Bodily Injury And Property Damage Liability in Section I — Coverages is replaced by the following: 2. Exclusions This insurance does not apply to: p. Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, 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\" that does not result from physical injury to tangible property.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":2000000,"formNumber":"CG 04370514","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Pollution Exclusion with Building Heating, Cooling and Dehumidifying Equipment Exception and Hostile Fire Exception","where":"endorsement","source":"policy-language","citation":{"page":191,"quote":"Exclusion f. under Paragraph 2. Exclusions of Section — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: This insurance does not apply to: t. Pollution (1) \"Bodily injury' or \"property damage\" which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or es cape of \"pollutants\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG 27 65 12 04","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion — Contractors — Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":192,"quote":"The following exclusion is added to Paragraph 2. Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section I — Coverage B — Personal And Advertising Injury Liability: 1. This insurance does not apply to bodily injury', \"property damage\" or \"personal and advertising injury\" arising out of the rendering of or failure to render any professional services by you or on your behalf, but only with respect to either or both of the following operations: a. Providing engineering, architectural or surveying services to others in your capacity as an engineer, architect or surveyor; and b. Providing, or hiring independent professionals to provide, engineering, architectural or surveying services in connection with construction work you perform.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG 22790413","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","source":"policy-language","citation":{"page":195,"quote":"A. The following exclusion is added to Paragraph 2., Exclusions of Section I — Coverage A — Bodily In jury And Property Damage Liability: This insurance does not apply to: Bodily injury' to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that persons employment; or (c) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassig nment, discipline, defa mation, harassment, humiliation, discrimi na tion or malicious prosecution directed at that person","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG26391207","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Violation of Communication or Information Law Exclusion","where":"endorsement","source":"policy-language","citation":{"page":205,"quote":"The following exclusion is added to the policy: Violation of Communication or Information Law This policy does not provide coverage for any act that violates any statute, ordinance or regulation of any federal, state or local government, including any amendment of or addition to such laws that prohibits or limits the sending, transmitting or communicating of material or information.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"CLP-UN-O1O-07/2013","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Securities Exclusion","where":"endorsement","source":"policy-language","citation":{"page":206,"quote":"The following exclusion is added to the policy: Securities This policy does not provide coverage for any \"bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of: 1. Any violation of any securities law or similar law or any regulation promulgated thereunder; 2. The purchase, sale, offer of sale or solicitation of any security, debt, insurance policy, bank deposit or financial interest or instrument; 3. Any representations made at any time in relation to the price or value of any security, debt, insurance policy, bank deposit or financial interest or instrument; or 4. Any depreciation or decline in price or value of any security, debt, insurance policy, bank deposit or financial interest or instrument.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"CLP-UN-017-07/2013","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Workers' Compensation and Similar Laws Exclusion","where":"endorsement","source":"policy-language","citation":{"page":210,"quote":"The following exclusion is added the policy: Workers' Compensation And Similar Laws This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\" caused by, resulting from, or with respect to any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"FFP-XS-013-07/2014","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","source":"policy-language","citation":{"page":211,"quote":"This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a. unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non-public confidential or personal information in the form of \"electronic data\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"FF-X5-026-02/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":213,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Calendar Year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"CLUN-075-12/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","source":"policy-language","citation":{"page":234,"quote":"The policy does not cover work conducted at or from: Any location except the confines of the project site as described below","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"WC 0003 02","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":275,"quote":"This insurance does not apply to any loss, demand, claim or suit arising out of or related to asbestos or asbestos-containing materials.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","subLimit":null,"formNumber":"XSM43899","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap On Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":276,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","subLimit":null,"formNumber":"XSC-27522a","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Trade or Economic Sanctions Exclusion","where":"endorsement","source":"policy-language","citation":{"page":278,"quote":"This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","subLimit":null,"formNumber":"ALL-21101","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Pollution Exclusion","where":"endorsement","source":"policy-language","citation":{"page":295,"quote":"\"Ultimate Net Loss\" arising out of an actual, alleged or threatened 'pollution incident\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p280","subLimit":null,"formNumber":"XS-363 TX","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Premises or Project","where":"endorsement","source":"policy-language","citation":{"page":298,"quote":"This insurance applies only to 'Ultimate Net Loss\" arising out of: 1. The ownership, maintenance or use of the premises shown in the Schedule and operations necessary or incidental to those premises; or 2. The project shown in the Schedule.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p280","subLimit":null,"formNumber":"XS-175","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Crisis Management or Crisis Response Endorsement; Accident Insurance Endorsement; Uninsured/Underinsured Motorists (UM/UIM) Endorsement; Liberalization Clause; Sublimit of liability not specifically endorsed","where":"endorsement","source":"policy-language","citation":{"page":310,"quote":"Notwithstanding any other provisions of this Policy, it is agreed that this Policy shall not provide coverage afforded by the Lead Underlying Policy for the following: Crisis Management or Crisis Response Endorsement Accident Insurance Endorsement Uninsured/Underinsured Motorists (UM/UIM) Endorsement Liberalization Clause Sublimit of liability, unless such sublimit is specifically endorsed to this Policy.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 10 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":311,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Program Year (January 1 through December 31) and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 13 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nuclear Exclusion","where":"endorsement","source":"policy-language","citation":{"page":314,"quote":"This insurance does not apply to: A. Any liability, damages, loss, injury, demand, claim or suit: 1. With respect to which an Insured under the policy is also an Insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an Insured under any such policy but for its termination upon exhaustion of its limits of liability; or 2. Resulting from the \"hazardous properties\" of \"nuclear material\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 05 07 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":316,"quote":"This insurance does not apply to: Any liability, damages, loss, injury, demand, claim or suit arising out of or caused by, or allegedly caused by: 1. Asbestos, asbestos products, asbestos-containing materials or products, asbestos fibers or asbestos dust, including, but not limited to, manufacture, mining, use, sale, installation, removal, or distribution activities","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 04 01 15","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":11,"formsWithNoRestrictionFound":39},"findings":[{"id":"finding-global.attachment-continuity","layer":"global","impact":"Does every layer attach where the layer beneath it exhausts?","ruleId":"global.attachment-continuity","degraded":true,"evidence":[{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":["expectation:47-xsf-304056-01:glo-4353409-00","expectation:47-xsf-304056-01:wc0183286","expectation:1000023859:glo0183287","expectation:1000023859:wc0183286","expectation:1000023859:g46798673-001","expectation:1000023859:gl00183287"],"statement":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","ruleVersion":"cbb148ade44b"},{"id":"finding-global.underlying-provided","layer":"global","impact":"Was every policy named in a schedule of underlying insurance provided?","ruleId":"global.underlying-provided","degraded":true,"evidence":[{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":["expectation:47-xsf-304056-01:glo-4353409-00","expectation:47-xsf-304056-01:wc0183286","expectation:1000023859:glo0183287","expectation:1000023859:wc0183286","expectation:1000023859:g46798673-001","expectation:1000023859:gl00183287"],"statement":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","ruleVersion":"7364e46f4ba1"},{"id":"finding-global.same-named-insured","layer":"global","impact":"Do all the policies name the same insured?","ruleId":"global.same-named-insured","degraded":true,"evidence":[{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":["expectation:47-xsf-304056-01:glo-4353409-00","expectation:47-xsf-304056-01:wc0183286","expectation:1000023859:glo0183287","expectation:1000023859:wc0183286","expectation:1000023859:g46798673-001","expectation:1000023859:gl00183287"],"statement":"The policies name different insureds. A tower is one entity's coverage, so stacking policies belonging to two entities produces a total nobody actually has. Confirm these belong together before the figures are relied on.","ruleVersion":"50ad19176a63"},{"id":"finding-global.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":189,"quote":"A. Exclusion 2.p. of Coverage A — Bodily Injury And Property Damage Liability in Section I — Coverages is replaced by the following: 2. Exclusions This insurance does not apply to: p. Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, 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\" that does not result from physical injury to tangible property.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":[],"statement":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures. Electronic Data Liability Exclusion — Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability is capped at 2,000,000.","ruleVersion":"485c5e73f822"},{"id":"finding-global.endorsements-restrict","layer":"global","impact":"Do the attached endorsements restrict this coverage?","ruleId":"global.endorsements-restrict","degraded":false,"evidence":[],"dependsOn":[],"statement":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","ruleVersion":"86033228d3f6"}],"reviewId":"review-mt78v8j9","decisions":[],"unanswered":[{"reason":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","questionId":"global.defense-outside-limits"},{"reason":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","questionId":"global.aggregate-impairment-known"}],"observations":[{"id":"observation-tower-attachment-chained-5","evidence":[],"statement":"ECO (23) 58 07 14 29 is placed at 75,000,000, where 1000023859 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","packetComplete":true},{"id":"observation-ut-system-rocip-program_multi-carrier_2017-2023-classifier","evidence":[],"statement":"ut-system-rocip-program_multi-carrier_2017-2023.pdf, from the classifier: The document is a policy packet containing multiple document types: page 1 is the Commercial General Liability Coverage Part Declarations (form U-GL-D-1115-B CW); pages 2-4 are endorsements (Fellow Employee Coverage, two Designated Project – Declarations endorsements); pages 5-19 are the CGL Coverage Form (CG 00 01 04 13); and pages 20-30 are additional endorsements (Named Insured OCIP, Extended Ongoing Operations Coverage, Notice of Occurrence, Extended Completed Operations, Sudden & Accidental Pollution, Unintentional Failure to Disclose Hazards). The document is classified as 'declarations' based on the dominant first page. The named insured appears truncated on the declarations page as 'THE BOARD OF REGENTS OF THE' — the full name 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM' appears on page 2. The policy number GLO 0183287-00 is confirmed across multiple endorsement pages. Policy period: 08-01-2017 to 08-01-2023. Confidence is medium because the packet contains multiple document types and the named insured is truncated on the declarations page.","packetComplete":false},{"id":"observation-ut-system-rocip-program_multi-carrier_2017-2023-citations","evidence":[],"statement":"ut-system-rocip-program_multi-carrier_2017-2023.pdf: 114 of 117 figures were confirmed against the page they cite. The remaining 3 could not be, so they are the reader's word rather than the document's. Nothing else in this reading depends on them.","packetComplete":false},{"id":"observation-ut-system-rocip-program_multi-carrier_2017-2023-truncated","evidence":[],"statement":"ut-system-rocip-program_multi-carrier_2017-2023.pdf: pages 1 to 30 were read in full, and all 316 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":66481,"outputTokens":536,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":73913,"outputTokens":4127,"cacheReadTokens":0,"cacheWriteTokens":2134},{"model":"claude-sonnet-4-6","inputTokens":67652,"outputTokens":5381,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":36803,"outputTokens":4392,"cacheReadTokens":0,"cacheWriteTokens":2134},{"model":"claude-sonnet-4-6","inputTokens":56520,"outputTokens":5016,"cacheReadTokens":0,"cacheWriteTokens":2134},{"model":"claude-sonnet-4-6","inputTokens":33327,"outputTokens":4322,"cacheReadTokens":0,"cacheWriteTokens":2134},{"model":"claude-haiku-4-5","inputTokens":25097,"outputTokens":1891,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":26060,"outputTokens":1517,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":32402,"outputTokens":4097,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":25469,"outputTokens":4475,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":27129,"outputTokens":495,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":24532,"outputTokens":2490,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":25935,"outputTokens":2145,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4948,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"ut-system-rocip-program_multi-carrier_2017-2023","sha256":"7d530a065d173b8a51f5119c3dd7ff69dba349f2a84e471867571501fb58d5a1","filename":"ut-system-rocip-program_multi-carrier_2017-2023.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"The document is a policy packet containing multiple document types: page 1 is the Commercial General Liability Coverage Part Declarations (form U-GL-D-1115-B CW); pages 2-4 are endorsements (Fellow Employee Coverage, two Designated Project – Declarations endorsements); pages 5-19 are the CGL Coverage Form (CG 00 01 04 13); and pages 20-30 are additional endorsements (Named Insured OCIP, Extended Ongoing Operations Coverage, Notice of Occurrence, Extended Completed Operations, Sudden & Accidental Pollution, Unintentional Failure to Disclose Hazards). The document is classified as 'declarations' based on the dominant first page. The named insured appears truncated on the declarations page as 'THE BOARD OF REGENTS OF THE' — the full name 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM' appears on page 2. The policy number GLO 0183287-00 is confirmed across multiple endorsement pages. Policy period: 08-01-2017 to 08-01-2023. Confidence is medium because the packet contains multiple document types and the named insured is truncated on the declarations page.","carrier":{"value":"ZURICH AMERICAN INSURANCE COMPANY","citation":{"page":1,"quote":"ZURICH AMERICAN INSURANCE COMPANY","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"pageCount":316,"confidence":"medium","namedInsured":{"value":"THE BOARD OF REGENTS OF THE","citation":{"page":1,"quote":"Named Insured THE BOARD OF REGENTS OF THE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"policyNumber":{"value":"GLO 0183287-00","citation":{"page":1,"quote":"Policy Number: GLO 0183287-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":316,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"ut-system-rocip-program_multi-carrier_2017-2023","role":"primary","term":{"effective":{"value":"2017-08-01","citation":{"page":135,"quote":"Policy Period: Coverage begins 08-01-2017 at 12:01 A.M.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":135,"quote":"Coverage ends 08-01-2023 at 12:01 A.M.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"1. Named insured: The declarations page (page 1) prints 'THE BOARD OF REGENTS OF THE' without completing the full name; the full name 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM' is confirmed on pages 2 and 20-28 endorsements. 2. Role: This is a primary CGL policy (Commercial General Liability Coverage Part Declarations); no attachment point or underlying schedule is printed, which is correct for a primary policy. 3. Per-project aggregate: The declarations page does not print a separate per-project aggregate dollar figure by that label; however, endorsement U-GL-D-1306-B CW (pages 3-4) selects option B (Products-Completed Operations Aggregate Limit applies separately to each designated project) for projects $100M+, and option A (applies once for all projects) for projects under $100M. The $5,000,000 figure from the declarations is what applies per project for the larger projects; reported as $5,000,000 with medium confidence given the complexity. 4. Defense inside limits: The standard CG 00 01 04 13 form provides defense in addition to limits (Supplementary Payments do not reduce limits; right/duty to defend ends when limits are used up in judgments/settlements, but defense costs themselves are not stated to erode limits). Answered 'no' based on the standard CGL form language. 5. Retroactive date: Item 3 is labeled 'CG 00 02 ONLY' (claims-made form) and shows 'NONE', confirming this is an occurrence-based policy with no retroactive date applicable. 6. Deductible/SIR: No deductible or self-insured retention amount is printed on the pages provided; the endorsements reference a 'Commercial General Liability Deductible Endorsement' but that endorsement was not provided. Cannot extract a retention amount. 7. Schedule of forms: Item 5 on page 1 states 'See Schedule of Forms and Endorsements' but no separate schedule page was provided. The forms identified are those whose form numbers appear on the pages provided. The full Schedule of Forms and Endorsements referenced in Item 5 was not provided; additional forms may exist. 8. The policy period of 08-01-2017 to 08-01-2023 is a six-year term, which is unusually long. This is noted but reported as printed.","limits":{"eachOccurrence":{"value":2000000,"citation":{"page":135,"quote":"EACH OCCURRENCE LIMIT $ 2,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":135,"quote":"GENERAL AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":{"value":5000000,"citation":{"page":137,"quote":"X B. The Products-Completed Operations Aggregate Limit applies separately to each \"designated project\" for which B. is selected.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"personalAdvertisingInjury":{"value":2000000,"citation":{"page":135,"quote":"PERSONAL AND ADVERTISING INJURY LIMIT $ 2,000,000 Any one person or organization","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":5000000,"citation":{"page":135,"quote":"PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"carrier":{"value":"ZURICH AMERICAN INSURANCE COMPANY","citation":{"page":135,"quote":"ZURICH AMERICAN INSURANCE COMPANY","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["ut-system-rocip-program_multi-carrier_2017-2023"],"namedInsured":{"value":"THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM","citation":{"page":136,"quote":"THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM 210 W 7TH ST AUSTIN TX 78701","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"GLO 0183287-00","citation":{"page":135,"quote":"Policy Number: GLO 0183287-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"restrictions":[{"label":"Liability assumed under a contract","where":"base-form","citation":{"page":75,"quote":"Liability assumed under a contract. This exclusion does not apply to a warranty that your work will be done in a workmanlike manner","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Punitive or exemplary damages because of bodily injury to an employee employed in violation of law","where":"base-form","citation":{"page":75,"quote":"Punitive or exemplary damages because of bodily injury to an employee employed in violation of law","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury to an employee while employed in violation of law with your actual knowledge or the actual knowledge of any of your executive officers","where":"base-form","citation":{"page":75,"quote":"Bodily injury to an employee while employed in violation of law with your actual knowledge or the actual knowledge of any of your executive officers","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Any obligation imposed by a workers compensation, occupational disease, unemployment compensation, or disability benefits law, or any similar law","where":"base-form","citation":{"page":75,"quote":"Any obligation imposed by a workers compensation, occupational disease, unemployment compensation, or disability benefits law, or any similar law","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury intentionally caused or aggravated by you","where":"base-form","citation":{"page":75,"quote":"Bodily injury intentionally caused or aggravated by you","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury occurring outside the United States of America, its territories or possessions, and Canada","where":"base-form","citation":{"page":75,"quote":"Bodily injury occurring outside the United States of America, its territories or possessions, and Canada. This exclusion does not apply to bodily injury to a citizen or resident of the United States of America or Canada who is temporarily outside these countries","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Damages arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination against or termination of any employee, or any personnel practices, policies, acts or omissions","where":"base-form","citation":{"page":75,"quote":"Damages arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination against or termination of any employee, or any personnel practices, policies, acts or omissions","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury to any person in work subject to the Longshore and Harbor Workers' Compensation Act and other federal workers or workmen's compensation laws","where":"base-form","citation":{"page":75,"quote":"Bodily injury to any person in work subject to the Longshore and Harbor Workers' Compensation Act (33 U.S.C. Sections 901 et seq.), the Nonappropriated Fund Instrumentalities Act (5 U.S.C. Sections 8171 et seq.), the Outer Continental Shelf Lands Act (43 U.S.C. Sections 1331 et seq.), the Defense Base Act (42 U.S.C. Sections 1651—1 654), the Federal Mine Safety and Health Act (30 U.S.C. Sections 801 et seq. and 901—944), any other federal workers or workmen's compensation law or other federal occupational disease law, or any amendments to these laws","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury to any person in work subject to the Federal Employers' Liability Act","where":"base-form","citation":{"page":75,"quote":"Bodily injury to any person in work subject to the Federal Employers' Liability Act (45 U.S.C. 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Sections 1801 et seq.) and under any other federal law awarding damages for violation of those laws or regulations issued thereunder, and any amendments to those laws","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","citation":{"page":80,"quote":"The policy does not cover work conducted at or from ANY LOCATION EXCEPT THE CONFINES OF THE PROJECT SITE AS DESCRIBED BELOW","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 0302","carrierNoticedReduction":false},{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","citation":{"page":117,"quote":"Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an \"insured\" under the policy is also an insured under a nuclear energy liability policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"IL 00 21","carrierNoticedReduction":false},{"label":"Sanctions Exclusion","where":"endorsement","citation":{"page":105,"quote":"we shall not provide coverage nor will we make any payments or provide any service or benefit to any insured, beneficiary, or third party who may have any rights under this policy to the extent that such cover, payment, service, benefit, or any business or activity of the insured would violate any applicable trade or economic sanctions law or regulation","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GU-1191-A","carrierNoticedReduction":false},{"label":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","citation":{"page":108,"quote":"If aggregate insured losses attributable to one or more \"certified acts of terrorism\" exceed $100 billion in a calendar year (January 1 through December 31) and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GU-767-B","carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Projects","where":"endorsement","citation":{"page":112,"quote":"LIMITATION OF COV TO DESIGNATED PROJECTS","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1305-A","carrierNoticedReduction":false},{"label":"Exclusion of Contractors' Professional Liability","where":"endorsement","citation":{"page":112,"quote":"EXCL-CONTRACTORS—PROF LIAB","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1313-A","carrierNoticedReduction":false},{"label":"Total Pollution Exclusion with Exceptions","where":"endorsement","citation":{"page":112,"quote":"TOTAL POLLUTION EXCL—WITH EXCEPTIONS","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 26 39","carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","citation":{"page":112,"quote":"ASBESTOS EXCLUSION ENDORSEMENT","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1298-C","carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","citation":{"page":112,"quote":"LEAD LIABILITY EXCLUSION","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1336-B","carrierNoticedReduction":false},{"label":"Exclusion—Exterior Insulation & Finish System","where":"endorsement","citation":{"page":112,"quote":"EXCL-EXTERIOR INSULATION & FINISH SYSTEM","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1342-A","carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","citation":{"page":112,"quote":"FUNGI OR BACTERIA EXCLUSION","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1180-A","carrierNoticedReduction":false},{"label":"Silica or Silica Mixed Dust Exclusion","where":"endorsement","citation":{"page":112,"quote":"SILICA OR SILICA MIXED DUST EXCLUSION","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1054-A","carrierNoticedReduction":false},{"label":"Damage to the Project Exclusion","where":"endorsement","citation":{"page":112,"quote":"DAMAGE TO THE PROJECT EXCLUSION","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1299-A","carrierNoticedReduction":false},{"label":"Electronic Data Liability 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Any unintentional error or omission in the description of, or failure to completely describe, any premises or operations intended to be covered by this Commercial General Liability Coverage Form will not invalidate or affect coverage for those premises or operations.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1054-A","carrierNoticedReduction":false},{"label":"Fungi Or Bacteria","where":"endorsement","citation":{"page":165,"quote":"Fungi Or Bacteria Exclusion Endorsement... The following exclusion is added to paragraph 2. Exclusions of Section 1. — Coverage A — Bodily Injury And Property Damage Liability and paragraph 2. 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With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to: \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of the rendering of, or failure to render, any professional architectural, engineering or surveying services including: a. The preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or b. 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This insurance does not apply to \"bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, caused by, or attributable, whether in whole or in part, to the following: 1. The design, manufacture, construction, fabrication, preparation, distribution and sale, installation, application, maintenance or repair, including remodeling, service, correction or replacement, of any \"exterior insulation and finish system\" or any part thereof, or any substantially similar system or any part thereof, including the application or use of conditioners, primers, accessories, flashings, coatings, caulking or sealants in connection with such a system, on any \"residential building construction\" or \"frame building\"; or 2. \"Your product\" or \"your work\" with respect to any exterior component, fixture or feature of any structure if an \"exterior insulation and finish system\", or any substantially similar system, is used on the part of that \"residential building construction\" or \"frame building\" containing that component, fixture or feature.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1 265-B CW (07/15)","carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","citation":{"page":177,"quote":"The following exclusion is added to Paragraph 2. Exclusions, of Section 1- Coverage A - Bodily Injury And Property Dam age Liability and Paragraph 2. 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Exclusions of Section 1 - Coverage A — Bodily Injury And Property Damage Liability and Coverage B - Personal And Advertising Injury Liability: 2. Exclusions This insurance does not apply to: Asbestos A. \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of or which would not have occurred, in whole or in part, but for the actual, alleged or threatened discharge, dispersal, release, leakage, leaching, friability, flaking, escape or presence of asbestos, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to the injury or damage","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GC-1178-A CW (07/03)","carrierNoticedReduction":false},{"label":"Damage to the Project Exclusion","where":"endorsement","citation":{"page":181,"quote":"Solely with respect to any \"designated project\", exclusion j. of Paragraph 2. 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Damage to Property \"Property damage\" to: (1) Property you own, rent, or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; (2) Premises you sell, give away or abandon, if the \"property damage\" arises out of any part of those premises; (3) Property loaned to you; (4) Personal property in the care, custody or control of any insured; (5) Any part of any \"designated project(s)\", including materials, machinery and equipment intended to become a part of the \"designated project(s)\", if such \"property damage\" occurs during the course of construction; or (6) That particular part of any property that must be restored, repaired or replaced because \"your work\" was incorrectly performed on it.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1301-B-CW(04/11)","carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Project(s)","where":"endorsement","citation":{"page":182,"quote":"1. The insurance provided by this policy applies only to \"bodily injury\", \"property damage\", \"personal and advertising injury\" and medical expenses arising out of the \"designated project(s)\" shown in the SCHEDULE above. 2. For purposes of this insurance, \"Designated Project\" does not include: (1) \"Your work\" at other projects or project site(s) or locations not shown in the SCHEDULE above; (2) Your other operations that are not connected to or do not emanate from the project shown in the SCHEDULE above, including operations at your permanent locations","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1 305- A CW (02/07)","carrierNoticedReduction":false},{"label":"Electronic Data Liability Exclusion — Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability","where":"endorsement","citation":{"page":189,"quote":"A. Exclusion 2.p. of Coverage A — Bodily Injury And Property Damage Liability in Section I — Coverages is replaced by the following: 2. Exclusions This insurance does not apply to: p. 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Exclusions of Section — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: This insurance does not apply to: t. Pollution (1) \"Bodily injury' or \"property damage\" which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or es cape of \"pollutants\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 27 65 12 04","carrierNoticedReduction":false},{"label":"Exclusion — Contractors — Professional Liability","where":"endorsement","citation":{"page":192,"quote":"The following exclusion is added to Paragraph 2. Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section I — Coverage B — Personal And Advertising Injury Liability: 1. This insurance does not apply to bodily injury', \"property damage\" or \"personal and advertising injury\" arising out of the rendering of or failure to render any professional services by you or on your behalf, but only with respect to either or both of the following operations: a. Providing engineering, architectural or surveying services to others in your capacity as an engineer, architect or surveyor; and b. Providing, or hiring independent professionals to provide, engineering, architectural or surveying services in connection with construction work you perform.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 22790413","carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","citation":{"page":195,"quote":"A. The following exclusion is added to Paragraph 2., Exclusions of Section I — Coverage A — Bodily In jury And Property Damage Liability: This insurance does not apply to: Bodily injury' to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that persons employment; or (c) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassig nment, discipline, defa mation, harassment, humiliation, discrimi na tion or malicious prosecution directed at that person","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG26391207","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Commercial General Liability Coverage Part Declarations","citation":{"page":135,"quote":"COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"9/04","citation":{"page":135,"quote":"U-GL-D-1 115-B CW (9/04)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-D-1115-B CW","citation":{"page":135,"quote":"U-GL-D-1 115-B CW (9/04)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Fellow Employee Coverage - 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Declarations (All Projects Under $100,000,000 in Construction Value)","citation":{"page":138,"quote":"Designated Project – Declarations","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"01/13","citation":{"page":138,"quote":"U-GL-D-1 306-B CW (01/13)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-D-1306-B CW","citation":{"page":138,"quote":"U-GL-D-1 306-B CW (01/13)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Commercial General Liability Coverage Form","citation":{"page":139,"quote":"COMMERCIAL GENERAL LIABILITY COVERAGE FORM","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"04 13","citation":{"page":139,"quote":"CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 16","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CG 00 01 04 13","citation":{"page":139,"quote":"CG 00 01 04 13","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Named Insured - OCIP","citation":{"page":154,"quote":"NAMED INSURED — OCIP","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"10/02","citation":{"page":154,"quote":"U-GL-1114-A CW (10/ 02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1114-A CW","citation":{"page":154,"quote":"U-GL-1114-A CW (10/ 02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Extended Ongoing Operations Coverage - Repair Work","citation":{"page":156,"quote":"EXTENDED ONGOING OPERATIONS COVERAGE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"10/02","citation":{"page":156,"quote":"U-GL-1114-A CW (10/ 02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1114-A CW","citation":{"page":156,"quote":"U-GL-1114-A CW (10/ 02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Extended Completed Operations - Designated Project","citation":{"page":160,"quote":"EXTENDED COMPLETED OPERATIONS — DESIGNATED PROJECT","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"10/02","citation":{"page":160,"quote":"U-GL-1114A CW (10/02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1114-A CW","citation":{"page":160,"quote":"U-GL-1114A CW (10/02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Notice of Occurrence","citation":{"page":159,"quote":"NOTICE OF OCCURRENCE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"10/02","citation":{"page":159,"quote":"U-GL-1114-A CW (10/02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1114-A CW","citation":{"page":159,"quote":"U-GL-1114-A CW (10/02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Sudden & Accidental Pollution - Total Pollution Exclusion with Building Heating, Cooling and Dehumidifying Equipment Exception, Hostile Fire Exception, and Short-Term Discharge Exception","citation":{"page":162,"quote":"SUDDEN & ACCIDENTAL POLLUTION","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"10/02","citation":{"page":162,"quote":"U-GL-1114-A CW (10/ 02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1114-A CW","citation":{"page":162,"quote":"U-GL-1114-A CW (10/ 02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Unintentional Failure to Disclose Hazards","citation":{"page":164,"quote":"Unintentional Failure to Disclose Hazards","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"12/01","citation":{"page":164,"quote":"U-GL-1054-A CW (12/01)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1054-A CW","citation":{"page":164,"quote":"U-GL-1054-A CW (12/01)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}],"attachmentPoint":{"value":0,"citation":{"page":135,"quote":"COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"retroactiveDate":{"value":"NONE","citation":{"page":135,"quote":"Item 3. Retroactive Date (CG 00 02 ONLY) This insurance does not apply to \"bodily injury\", \"property damage\" or \"personal and advertising injury\" offense which occurs before the Retroactive Date, if any, shown here: NONE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"underlyingSchedule":[],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":139,"quote":"Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":117,"failures":[{"page":154,"path":"formsSchedule.5.formNumber.citation","quote":"U-GL-1114-A CW (10/ 02)","status":"found-on-other-page"},{"page":154,"path":"formsSchedule.5.edition.citation","quote":"U-GL-1114-A CW (10/ 02)","status":"found-on-other-page"},{"page":140,"path":"restrictions.33.citation","quote":"Pollution (1) \"Bodily injury' or 'property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\":","status":"found-on-other-page"}],"notFound":0,"verified":114,"verifiedExact":105,"pageUnreadable":0,"foundOnOtherPage":3},"additionalPolicies":[{"id":"ut-system-rocip-program_multi-carrier_2017-2023#p198","role":"excess","term":{"effective":{"value":"2017-08-01","citation":{"page":198,"quote":"From: 08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":198,"quote":"From: 08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"1. Attachment point: This policy is titled 'Follow Form Excess Liability' and follows the General Liability followed policy (GLO 4353409-00, Zurich American). The 'retained limit' is defined (page 6) as 'the total applicable limits of all underlying policies.' The attachment point is not printed as a single dollar figure on the declarations; it is implied by the underlying schedule limits. No single numeric attachment point figure is printed, so that field is populated with 0 as a placeholder and flagged low confidence. Downstream computation should derive the attachment from the underlying schedule limits.\n2. Defense inside limits: The excess policy form (FFP-XS-001-10/2014, page 4) states defense costs operate identically to the followed policy. The followed policy's underlying GL schedule (page 7) states 'Defense Treatment: Outside the Limit.' Accordingly defenseInsideLimits is reported as 'no' based on the underlying GL defense treatment language as read from the schedule.\n3. Retention: No dollar retention (deductible or SIR) on the BHSI excess policy itself is printed on the declarations. The Act of Terrorism SIR endorsement (CL-UN-083-01/2015, page 11) lists 'Act of Terrorism Self-Insured Retention: $' with a blank figure, so no amount is transcribed.\n4. Per-project aggregate: The Limits of Insurance Construction Modification endorsement (Manuscript, pages 19-21) replaces Item 3 and establishes per-project Products-Completed Operations Aggregate limits of $25,000,000 during the policy period and $25,000,000 during the extension period for projects with Construction Value in excess of $100,000,000, subject to a Policy Aggregate Products-Completed Operations Maximum Limit of $125,000,000. The perProjectAggregate field reflects the $25,000,000 per-project during-period limit.\n5. Form basis: The policy header states 'THIS POLICY MAY CONTAIN OCCURRENCE, CLAIMS MADE, OR CLAIMS MADE AND REPORTED COVERAGES.' The followed policy is GL occurrence-based per the schedule. Occurrence is reported; confidence is medium due to the ambiguous header language.\n6. Policy number printed on page 1 shows 'O1' (letter O, not zero) but context confirms this is '01'; transcribed as printed with normalization to '47-XSF-304056-01'.\n7. The binder (pages 23-30) is the Zurich binder for the underlying OCIP policies (WC0183286 and GLO0183287/GLO4353409-00) attached pursuant to form FF-XS-005-07/2014; it is not part of the BHSI excess policy itself and its terms are not extracted as excess policy terms.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":198,"quote":"A. Per Occurrence $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":198,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":{"value":25000000,"citation":{"page":216,"quote":"Per Project Products-Completed Operations Aggregate Limit of Insurance (Applicable to Each Construction Project With Construction Value In Excess of $100,000,000): a. $25,000,000 (During the Policy Period); and b. $25,000,000 (Products Completed Operations Extension Period)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":{"value":25000000,"citation":{"page":198,"quote":"C. Products-Completed Operations Aggregate Limit: $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"carrier":{"value":"Berkshire Hathaway Specialty Insurance Company","citation":{"page":198,"quote":"Berkshire Hathaway Specialty Insurance Company\n1314 Douglas Street, Suite 1400\nOmaha, NE 68102-1944","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["ut-system-rocip-program_multi-carrier_2017-2023"],"namedInsured":{"value":"The University Of Texas System","citation":{"page":198,"quote":"Named Insured: The University Of Texas System","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"47-XSF-304056-01","citation":{"page":198,"quote":"Policy No.: 47-XSF-304056-O1","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"restrictions":[{"label":"Violation of Communication or Information Law Exclusion","where":"endorsement","citation":{"page":205,"quote":"The following exclusion is added to the policy: Violation of Communication or Information Law This policy does not provide coverage for any act that violates any statute, ordinance or regulation of any federal, state or local government, including any amendment of or addition to such laws that prohibits or limits the sending, transmitting or communicating of material or information.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CLP-UN-O1O-07/2013","carrierNoticedReduction":false},{"label":"Securities Exclusion","where":"endorsement","citation":{"page":206,"quote":"The following exclusion is added to the policy: Securities This policy does not provide coverage for any \"bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of: 1. Any violation of any securities law or similar law or any regulation promulgated thereunder; 2. The purchase, sale, offer of sale or solicitation of any security, debt, insurance policy, bank deposit or financial interest or instrument; 3. Any representations made at any time in relation to the price or value of any security, debt, insurance policy, bank deposit or financial interest or instrument; or 4. Any depreciation or decline in price or value of any security, debt, insurance policy, bank deposit or financial interest or instrument.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CLP-UN-017-07/2013","carrierNoticedReduction":false},{"label":"Workers' Compensation and Similar Laws Exclusion","where":"endorsement","citation":{"page":210,"quote":"The following exclusion is added the policy: Workers' Compensation And Similar Laws This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\" caused by, resulting from, or with respect to any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"FFP-XS-013-07/2014","carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","citation":{"page":211,"quote":"This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a. unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non-public confidential or personal information in the form of \"electronic data\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"FF-X5-026-02/2016","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":213,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Calendar Year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CLUN-075-12/2016","carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","citation":{"page":234,"quote":"The policy does not cover work conducted at or from: Any location except the confines of the project site as described below","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 0003 02","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Follow Form Excess Liability Common Policy Declarations","citation":{"page":200,"quote":"Follow Form Excess Liability Common Policy Declarations","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"10/2014","citation":{"page":200,"quote":"FF-XS-DEC-10/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"FF-XS-DEC-10/2014","citation":{"page":200,"quote":"FF-XS-DEC-10/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Forms Schedule","citation":{"page":200,"quote":"Forms Schedule","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"07/2013","citation":{"page":200,"quote":"CLP-UN-016-07/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CLP-UN-016-07/2013","citation":{"page":200,"quote":"CLP-UN-016-07/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Follow Form Excess Liability Policy","citation":{"page":200,"quote":"Follow Form Excess Liability Policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"10/2014","citation":{"page":200,"quote":"FFP-XS-OO1-1O/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"FFP-XS-001-10/2014","citation":{"page":200,"quote":"FFP-XS-OO1-1O/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Schedule of Underlying","citation":{"page":200,"quote":"Schedule of Underlying","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"11/2014","citation":{"page":200,"quote":"FFP-XS-OO2-11/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"FFP-XS-002-11/2014","citation":{"page":200,"quote":"FFP-XS-OO2-11/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Violation of Communication or Information Law Exclusion","citation":{"page":200,"quote":"Violation of Communication or Information Law Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"07/2013","citation":{"page":200,"quote":"CLP-UN-O1O-07/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CLP-UN-010-07/2013","citation":{"page":200,"quote":"CLP-UN-O1O-07/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Securities Exclusion","citation":{"page":200,"quote":"Securities Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"07/2013","citation":{"page":200,"quote":"CLP-U N-017-07/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CLP-UN-017-07/2013","citation":{"page":200,"quote":"CLP-U N-017-07/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Products Completed Operations Extension Endorsement","citation":{"page":200,"quote":"Products Completed Operations Extension Endorsement","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"11/2013","citation":{"page":200,"quote":"CLP-UN-078-11/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CLP-UN-078-11/2013","citation":{"page":200,"quote":"CLP-UN-078-11/2013","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Act of Terrorism Self-Insured Retention Endorsement","citation":{"page":200,"quote":"Act of Terrorism Self-Insured Retention Endorsement","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"01/2015","citation":{"page":200,"quote":"CL-UN-083-01/2015","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CL-UN-083-01/2015","citation":{"page":200,"quote":"CL-UN-083-01/2015","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Workers' Compensation and Similar Laws Exclusion","citation":{"page":200,"quote":"Workers' Compensation and Similar Laws Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"07/2014","citation":{"page":200,"quote":"FFP-XS-013-07/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"FFP-XS-013-07/2014","citation":{"page":200,"quote":"FFP-XS-013-07/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Confidential or Personal Information Disclosure Exclusion Endorsement","citation":{"page":200,"quote":"Confidential or Personal Information Disclosure Exclusion Endorsement","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"02/2016","citation":{"page":200,"quote":"FF-XS-026-02/2016","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"FF-XS-026-02/2016","citation":{"page":200,"quote":"FF-XS-026-02/2016","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Cap On Losses From Certified Acts of Terrorism (ISO Based)","citation":{"page":200,"quote":"Cap On Losses From Certified Acts of Terrorism f ISO Based)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"12/2016","citation":{"page":200,"quote":"CL-UN-075-12/2016","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CL-UN-075-12/2016","citation":{"page":200,"quote":"CL-UN-075-12/2016","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Composite Rate Endorsement","citation":{"page":200,"quote":"Manuscript Composite Rate Endorsement","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Manuscript","citation":{"page":200,"quote":"Manuscript","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Limits of Insurance Construction Modification","citation":{"page":200,"quote":"Manuscript Limits of Insurance Construction Modification","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Manuscript","citation":{"page":200,"quote":"Manuscript","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Issuance of Follow Form Excess Policy Prior to Issuance or Receipt of the Followed Policy","citation":{"page":200,"quote":"Issuance of Follow Form Excess Policy Prior to Issuance or Receipt of the\nFollowed Policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"07/2014","citation":{"page":200,"quote":"FF-XS-005-07/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"FF-XS-005-07/2014","citation":{"page":200,"quote":"FF-XS-005-07/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}],"attachmentPoint":{"value":0,"citation":{"page":201,"quote":"We will pay on behalf of the \"insured\" those sums in excess of the \"retained limit\" that the \"insured\" becomes legally obligated to pay as damages because of injury or damage to which this insurance applies.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"low"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"Zurich American Insurance Company","citation":{"page":204,"quote":"Zurich American Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"coverage":{"value":"General Liability","citation":{"page":204,"quote":"General Liability","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"effective":{"value":"2017-08-01","citation":{"page":204,"quote":"08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":204,"quote":"08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"GLO 4353409-00","citation":{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":204,"quote":"$2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":204,"quote":"$5,000,000 General Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"carrier":{"value":"Zurich American Insurance Company","citation":{"page":204,"quote":"Zurich American Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"coverage":{"value":"Employer's Liability","citation":{"page":204,"quote":"Employer's Liability","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"effective":{"value":"2017-08-01","citation":{"page":204,"quote":"08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":204,"quote":"08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"WC0183286","citation":{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"eachOccurrence":{"value":1000000,"citation":{"page":204,"quote":"$1,000,000 Each Accident","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":null}],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":201,"quote":"Defense costs and expenses shall operate in an identical manner to the \"followed policy\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"dropsDownOnUnderlyingExhaustion":"yes","dropsDownOnUnderlyingExhaustionSource":{"page":202,"quote":"we will have the right and duty to defend any claim made or suit brought or proceeding instituted against an \"insured\" to which this policy applies if the applicable limits of \"underlying policies\" have been exhausted in accordance with Section I — COVERAGE.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},{"id":"ut-system-rocip-program_multi-carrier_2017-2023#p265","role":"excess","term":{"effective":{"value":"2017-08-01","citation":{"page":265,"quote":"From: 08/01/2017 to 08/01/2023 both days at 12:01 a.m.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":265,"quote":"From: 08/01/2017 to 08/01/2023 both days at 12:01 a.m.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"The policy is titled 'Following Form Excess Liability Policy' and clearly sits above the Lead Underlying Policy (47-XSF-304056-01, Berkshire Hathaway Specialty Insurance). The attachment point is stated as Item 4 Underlying Limits: $25,000,000 each occurrence and $25,000,000 aggregate. The Schedule of Underlying Insurance (page 3) also shows a Products/Completed Ops Aggregate of USD $25,000,000, but the declarations page (Item 3) does not separately print this limit for this policy's own limits—only Each Occurrence and Aggregate are printed in Item 3, so productsCompletedOpsAggregate is not extracted for this policy's own limits. Defense inside limits is explicitly deferred to the Lead Underlying Policy's treatment, which is not provided; therefore defenseInsideLimits is 'unknown.' The form number 'CC-i Kllh' on page 2 appears to be a scan artifact for 'CC-1K11h' as confirmed by page 10; confidence is medium for that entry. The TRIA form number appears as 'TRIA lid' on page 2 but as 'TRIA11d' on page 13; medium confidence on that entry. The policy period runs from 08/01/2017 to 08/01/2023, an unusually long six-year term; this is transcribed as printed. No deductible or SIR is printed on the declarations page. The drop-down exclusion on page 4 applies specifically to policies listed in Item 2(b) that exclude or limit coverage provided by the Lead Underlying Policy; this policy does not generally drop down on underlying exhaustion, though page 5 states it 'continue[s] in force as Lead Underlying Insurance' upon exhaustion of underlying aggregates—this is the standard excess response to exhaustion (it attaches), not a true drop-down.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":265,"quote":"USD $ 25,000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":265,"quote":"USD $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"Indemnity Insurance Company of North 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The policy descriptions label it 'occurrence' form per the Marsh XSellence form designation '(Occ)'. 4. The Schedule of Underlying Insurance on page 5 shows policy period end dates as '08/31/2023' rather than '08/01/2023' as shown on the Declarations page; this discrepancy is noted and values are transcribed as printed on page 5. 5. The WC/EL row limits of $1,000,000 each are Bodily Injury By Accident-Each Occurrence, Bodily Injury By Disease-Policy Limit, and Bodily Injury By Disease-Each Employee; these are employers liability measures, not occurrence limits, so only the per-occurrence equivalent is mapped to eachOccurrence. 6. Page 22 bears a Liberty Mutual notice form NP 93 98 10 13; this appears to be an administrative notice included in the packet rather than an endorsement to the Starr policy, so it is not listed in formsSchedule. Similarly, pages 23-24 contain a Liberty Mutual TRIA disclosure NP 73 12 01 15 bearing a different named insured (THE UNIVERSITY OF TEXAS SYSTEM) and policy number (ECO (23) 58 07 14 29); these appear to belong to a different policy in the same packet and are not listed in this policy's formsSchedule.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":280,"quote":"a) $ 25,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":280,"quote":"b) $ 25,000,000 Aggregate Where Applicable","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"Starr Indemnity & Liability Company","citation":{"page":280,"quote":"Starr Indemnity & Liability Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["ut-system-rocip-program_multi-carrier_2017-2023"],"namedInsured":{"value":"University of Texas ROCIP VII and as more fully set forth in the Lead Underlying Policy","citation":{"page":280,"quote":"University of Texas ROCIP VII\nand as more fully set forth in the Lead Underlying Policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"1000023859","citation":{"page":280,"quote":"Policy No.: 1000023859","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"restrictions":[{"label":"Pollution Exclusion","where":"endorsement","citation":{"page":295,"quote":"\"Ultimate Net Loss\" arising out of an actual, alleged or threatened 'pollution incident\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"XS-363 TX","carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Premises or Project","where":"endorsement","citation":{"page":298,"quote":"This insurance applies only to 'Ultimate Net Loss\" arising out of: 1. 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