{"id":"review-mt7drvll","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","pagesSwept":299,"pagesTotal":329,"pagesInFull":30},{"documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534","pagesSwept":54,"pagesTotal":84,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted."],"unsatisfied":[],"expectations":[{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"documentsRead":["vva-gl-package_philadelphia-indemnity_PHPK2661220","vva-umbrella_philadelphia-indemnity_PHUB902534"]},"answers":[{"state":"pass","message":"The tower is continuous. Each layer begins paying where the one beneath it is exhausted.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"pass","message":"Every policy named in an underlying schedule is present in the document set.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"pass","message":"Every policy in the document set names the same insured.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"pass","message":"All layers run concurrently, so the tower is the same on every day of the term.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"cannot-determine","message":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"fail","message":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"fail","message":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"line":null,"role":"primary","limit":1000000,"carrier":"Philadelphia Indemnity Insurance Company","inTower":true,"sources":{"limit":{"page":15,"quote":"$ 1,000,000 Each Occurrence Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"carrier":{"page":1,"quote":"Philadelphia Indemnity Insurance Company\nA Stock Company (Nonparticipating)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyNumber":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"generalAggregate":{"page":15,"quote":"$ 3,000,000 General Aggregate Limit (Other Than Products – Completed Operations)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"productsCompletedOpsAggregate":{"page":15,"quote":"$ 3,000,000 Products/Completed Operations Aggregate Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","effective":"2025-03-01","formBasis":"occurrence","deductible":null,"expiration":"2026-03-01","formNumbers":["BJP-190-1","IL N 143","IL N 177","PI-FEES-NOTICE 1","PI-NOTICE-MD-CLM 1","PP2020","CPD-PIIC-CW","PI-LOC-SCH","PI-AI-SCH","PI-FEE-SCH","PI-BELL-1","PI-CME-1","PI-MANU-1","IL0017","IL0021","IL0102","IL0104","IL0110","IL0115","IL0207","IL0251","IL0270","IL0952","PI-ACL-001","PI-ARB-1 NV","PI-CANXAICH-002","PI-CLD-CU NV","PI-HS-029","PI-PROF-002","PI-PROF-003","PI-SAM-018","PI-TER-DN1","GEN LIAB DEC","GEN LIAB SCHEDULE","CG0001","CG0201","CG2002","CG2005","CG2011","CG2026","CG2106","CG2132","CG2147","CG2151","CG2167","CG2170","CG2402","CG2404","CG2673","CG3234","PI-GL-001","PI-GL-001","PI-GL-002","PI-GL-002","PI-GL-002 CA","PI-GL-005","PI-GL-042","PI-GLD-HS","PI-HS-005","PI-MANU-1","PI-SAM-006","PI-SE-001"],"namedInsured":"Vietnam Veterans of America Inc\nChapters and State Councils","policyNumber":"PHPK2661220-013","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":"NONE","aggregateErosion":null,"generalAggregate":3000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":1000000,"productsCompletedOpsAggregate":3000000},{"line":null,"role":"umbrella","limit":5000000,"carrier":"Philadelphia Indemnity Insurance Company","inTower":true,"sources":{"limit":{"page":1,"quote":"EACH OCCURRENCE LIMIT (LIABILITY COVERAGE) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"carrier":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"attachmentPoint":{"page":3,"quote":"Each Occurrence $ 1,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"generalAggregate":{"page":1,"quote":"GENERAL AGGREGATE LIMIT (LIABILITY COVERAGE) (except with respect to Auto Liability and Products Completed Operations) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"selfInsuredRetention":{"page":1,"quote":"RETAINED LIMIT: $ 10,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"productsCompletedOpsAggregate":{"page":1,"quote":"PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"}},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","effective":"2025-03-01","formBasis":"occurrence","deductible":null,"expiration":"2026-03-01","formNumbers":["PI-CXL-002","PI-CXL-001","PI-CXL-004","PI-CXL-006","PI-CXL-007","PI-CXL-014","PI-CXL-015","PI-CXL-021","PI-CXL-029","PI-CXL-032","PI-CXL-039","PI-CXL-041","PI-CXL-047","PI-CXL-054","PI-CXL-068","PI-CXL-075","PI-CXL-085","PI-CXL-088","PI-CXL-092","PI-CXL-099","PI-CXL-100","PI-CXL-111","PI-CXL-113","PI-CXL-117","PI-CXL-132","PI-CXL-137","PI-CXL-MD 1","PI-CXL-MD 2","PI-UMTER-DN"],"namedInsured":"Vietnam Veterans of America Inc. 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It is placed at 1,000,000, the largest limit named in its own schedule of underlying insurance, which is a floor rather than a reading: the schedule lists policies without saying which of them stack.","layerPolicyIds":["vva-umbrella_philadelphia-indemnity_PHUB902534"]}],"restrictions":[{"label":"Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2106","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2106","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2147","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2147","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi Or Bacteria Exclusion","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2167","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2167","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":72,"quote":"NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 00 21 09 08","alsoProvisions":["Exclusion - Nuclear Material Liability Coverage","Exclusion - Nuclear Material Medical Payments","Exclusion - Nuclear Facility Operations"],"carrierNoticedReduction":false},{"label":"Appraisal Condition","where":"endorsement","source":"policy-language","citation":{"page":76,"quote":"The Appraisal Condition in: 1. Business Income (And Extra Expense) Coverage Form CP 00 30; and 2. Business Income (Without Extra Expense) Coverage Form CP 00 32; is replaced by the following:","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 04 07 20","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation or Fraud","where":"endorsement","source":"policy-language","citation":{"page":77,"quote":"We will not pay for any loss (\"loss\") or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. Fraud; committed by an insured (\"insured\") at any time and relating to a claim under this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 10 09 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","source":"policy-language","citation":{"page":89,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-ACL-001 (12/18)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","source":"policy-language","citation":{"page":95,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, sum, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person or organization and which is: A. Caused by alleged, actual or threatened abuse or molestation by anyone","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-029 (02/20)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":327,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PI-PROF-002 (06/20) This endorsement excludes coverage for professional liability arising out of the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-PROF-002 (06/20)","alsoProvisions":["Absolute Communicable Disease Exclusion - Professional Liability"],"carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":325,"quote":"TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY – PI-PROF-003 (02/24) This exclusion excludes coverage for liability arising out of, in any way related to, or would not have occurred in whole or in part for the actual or alleged exposure to Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS).","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-PROF-003 (02/24)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Abuse or Molestation Exclusion Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":100,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person caused by the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-018 (05/19)","alsoProvisions":["Abuse Or Molestation Exclusion"],"carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation Or Fraud","where":"base-form","source":"policy-language","citation":{"page":119,"quote":"This Coverage Part is void in any case of fraud by you as it relates to this Coverage Part at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Coverage Part; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Coverage Part.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 00 90","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Property Not Covered – Electronic Data","where":"base-form","source":"policy-language","citation":{"page":114,"quote":"If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you have protected the system against freezing; (c) Building glass breakage; (d) Water damage; (e) Theft; or (f) Attempted theft.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":2500,"formNumber":"CP 00 10","alsoProvisions":["Fire Department Service Charge","Pollutant Clean-up And Removal","Increased Cost of Construction","Vacancy Condition"],"carrierNoticedReduction":false},{"label":"Maryland Changes – Cancellation and Nonrenewal","where":"endorsement","source":"policy-language","citation":{"page":166,"quote":"Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by the following","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 02 01 12 17","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability","where":"endorsement","source":"policy-language","citation":{"page":179,"quote":"p. Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 06 05 14","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":326,"quote":"COMMUNICABLE DISEASE EXCLUSION ENDORSEMENT – CG 21 32 05 09 This endorsement excludes coverage for liability arising out of the actual or alleged transmission of a communicable disease which includes but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 32 05 09","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","source":"policy-language","citation":{"page":181,"quote":"\"Bodily injury\" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or (c) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 47 12 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Amendment of Liquor Liability Exclusion – Exception for Scheduled Premises or Activities","where":"endorsement","source":"policy-language","citation":{"page":182,"quote":"c. Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person, including causing or contributing to the intoxication of any person because alcoholic beverages were permitted to be brought on your premises, for consumption on your premises; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 51 04 13","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi Or Bacteria Exclusion","where":"endorsement","source":"policy-language","citation":{"page":183,"quote":"Fungi Or Bacteria a. \"Bodily injury\" or \"property damage\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 67 12 04","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":184,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":100000000000,"formNumber":"CG 21 70 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion – Lead Liability","where":"endorsement","source":"policy-language","citation":{"page":190,"quote":"\"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" arising out of or caused by the actual or alleged: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-001","alsoProvisions":["Exclusion - Lead Liability"],"carrierNoticedReduction":false},{"label":"Exclusion – Asbestos Liability","where":"endorsement","source":"policy-language","citation":{"page":194,"quote":"\"Bodily injury,\" \"property damage,\" and \"personal and advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-002","alsoProvisions":["Exclusion - Asbestos Liability"],"carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","source":"policy-language","citation":{"page":196,"quote":"\"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-042","alsoProvisions":["Total Exclusion - PFC/PFAS General Liability"],"carrierNoticedReduction":false},{"label":"Medical Payments – Limit Increased","where":"endorsement","source":"policy-language","citation":{"page":203,"quote":"We will pay for the cost to replace keys and locks at the \"clients\" premises due to theft or other loss to keys entrusted to you by your \"client ,\" up to a $10,000 limit per occurrence and $10,000 policy aggregate.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":20000,"formNumber":"PI-GLD-HS","alsoProvisions":["Damage to Premises Rented to You","Damage to Property You Own, Rent, or Occupy","Limited Rental Lease Agreement Contractual Liability","Employee Indemnification Defense Coverage","Key and Lock Replacement – Janitorial Services Client Coverage","Supplementary Payments – Bail Bonds","Supplementary Payment – Loss of Earnings"],"carrierNoticedReduction":false},{"label":"Exclusion Professional Liability Coverage","where":"endorsement","source":"policy-language","citation":{"page":210,"quote":"\"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of: 1. The rendering or failure to render: a. Medical, surgical, dental, x-ray or nursing service, treatment, advice or instruction, or the related furnishing of food or beverages","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-005","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","source":"policy-language","citation":{"page":227,"quote":"This insurance does not apply to any injury sustained by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-006","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Special Events Exclusion - Parades","where":"endorsement","source":"policy-language","citation":{"page":228,"quote":"Parades sponsored by the Insured","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SE-001","alsoProvisions":["Special Events Exclusion - Shooting activities","Special Events Exclusion - Fireworks","Special Events Exclusion - Carnivals and fairs with mechanical rides","Special Events Exclusion - Rock, Heavy Metal, Techno, Hip-Hop or Rap concerts","Special Events Exclusion - Events including contact sports","Special Events Exclusion - Rodeos","Special Events Exclusion - Political Rallies","Special Events Exclusion - Events with greater than 2,500 people","Special Events Exclusion - Events with liquor provided by Insured"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":216,"quote":"Due to nuclear reaction, nuclear radiation or radioactive contamination or to any related act or condition.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-MANU-1","alsoProvisions":["Contractual Liability","Completed Work","Acts Or Omissions Of Insured","Workers' Compensation and Similar Laws","Pollution","Damage To Owned, Leased Or Entrusted Property","War","Completed Work - Coverage B","Acts Or Omissions Of Insured - Coverage B","Nuclear Incidents Or Conditions - Coverage B","Pollution - Coverage B"],"carrierNoticedReduction":false},{"label":"Governmental Action","where":"base-form","source":"policy-language","citation":{"page":237,"quote":"Wear, tear, gradual deterioration, depreciation, any quality in the property that causes it to damage or destroy itself; hidden or latent defect; mechanical breakdown; corrosion or rust.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":5000,"formNumber":"PI-CIM-032","alsoProvisions":["Nuclear Hazard - CIM","War and Military Action - CIM","Dishonest acts","Wear, tear, gradual deterioration, depreciation","Dryness or dampness of atmosphere, extremes or changes of temperature","Debris Removal sub-limit","Pollutant Clean-Up and Removal sub-limit"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury - CA","where":"base-form","source":"policy-language","citation":{"page":257,"quote":"We will not pay for \"loss\" to any covered \"auto\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. We will also not pay for \"loss\" to any covered \"auto\" while that covered \"auto\" is being prepared for such a contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":1000,"formNumber":"CA 00 01","alsoProvisions":["Contractual Liability - CA","Workers' Compensation - CA","Employee Indemnification And Employer's Liability - CA","Fellow Employee - CA","Care, Custody Or Control - CA","Handling Of Property - CA","Movement Of Property By Mechanical Device - CA","Operations - CA","Completed Operations - CA","Pollution - CA","War - CA","Racing - CA","Nuclear Hazard - Physical Damage","War Or Military Action - Physical Damage","Wear and tear, freezing, mechanical or electrical breakdown","Tapes, records, discs or other similar audio, visual or data electronic devices","Electronic equipment - speed-measuring detection devices","Electronic equipment - audio, visual or data signals","Diminution in value","Electronic equipment sub-limit","Supplementary Payments - Bail bonds sub-limit","Transportation Expenses sub-limit","Nuclear Hazard","War Or Military Action","Professional or organized racing or demolition contest or stunting activity","Blowouts, punctures or other road damage to tires","Speed-measuring equipment detection and jamming apparatus","Electronic equipment for audio, visual or data signals","Accessories used with electronic equipment","Electronic equipment reproducing, receiving or transmitting audio, visual or data signals"],"carrierNoticedReduction":false},{"label":"Fellow Employee Exclusion - Maryland Changes","where":"endorsement","source":"policy-language","citation":{"page":266,"quote":"The Fellow Employee Exclusion is replaced by the following: Fellow Employee \"Bodily injury\" to: a. Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment or while performing duties related to the conduct of your business; or b. The spouse, child, parent, brother or sister of that fellow \"employee\" as a consequence of Paragraph a. above. However, this exclusion does not apply for coverage up to the minimum limit specified by the Maryland Vehicle Law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 70","alsoProvisions":["Racing Exclusion - Maryland Changes","Diminution in value exclusion removed - Maryland Changes"],"carrierNoticedReduction":false},{"label":"Collision Coverage in Mexico","where":"endorsement","source":"policy-language","citation":{"page":263,"quote":"Coverage for a \"loss\" caused by collision or overturn of a covered \"auto\" \"you\" own applies while the \"auto\" is in Mexico. However: A. The \"loss\" will be paid for in the United States. B. The most \"we\" will pay for \"loss\" is the lesser of the following amounts: 1. The cost of repairing the \"auto\" or replacing its parts in Mexico; or 2. The cost of repair or replacement at the nearest point in the United States where repair or replacement could be made.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Expected or intended damages","where":"base-form","source":"policy-language","citation":{"page":277,"quote":"Arising out of actual or alleged discrimination.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-003","alsoProvisions":["Breach of contract or agreement","Operation of hospital, sanatorium, medical clinic, or medical facility or laboratory","Ownership, maintenance, use or entrustment of aircraft, auto, or watercraft","Prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances","Professional services of any psychiatrist","Professional services of attorney, architect, engineer, accountant, and other licensed professionals","Membership in formal accreditation or professional board or committee","Injury to any insured or consequential injury to family members","Obligation under workers compensation, disability benefits or unemployment compensation law","Employment-related claims","Advertising injury or personal injury","Damage to property owned, occupied, used, or in possession of insured","Pollution hazard, Nuclear hazard, Asbestos hazard, or Lead hazard","Discrimination","Unfair competition or violation of anti-trust laws","Inability or failure to collect or pay money","Personal profit or advantage not legally entitled to","Liability under Employment Retirement Income Security Act","Criminal, dishonest, fraudulent or malicious act or omission","Claim made by another insured","Acts, errors or omissions of managerial or administrative nature","Physical or sexual abuse or molestation and negligent employment, investigation, supervision, reporting or retention"],"carrierNoticedReduction":false},{"label":"Disciplinary proceeding defense exclusion removed - Maryland Changes","where":"endorsement","source":"policy-language","citation":{"page":285,"quote":"There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-MD-1","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Abusive conduct liability - Personal participation in abusive conduct","where":"base-form","source":"policy-language","citation":{"page":290,"quote":"Any \"defense costs\" associated with a criminal trial including appeals;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-008","alsoProvisions":["Abusive conduct liability - Intentional failure to report","Abusive conduct liability - Intentional or criminal act","Abusive conduct liability - Prior knowledge of abusive conduct","Abusive conduct liability - Liability assumed by contract","Abusive conduct liability - Workers compensation type obligations","Abusive conduct liability - Uninsurable matters","Abusive conduct liability - Claim by another insured","Abusive conduct liability - Employee, volunteer worker, or applicant claims","Abusive conduct liability - Defense costs in criminal trial","Abusive conduct liability - Predating abusive conduct","Abusive conduct liability - Prior litigation or notice","Abusive conduct liability - Sexual discrimination and harassment"],"carrierNoticedReduction":false},{"label":"Abusive conduct liability - Cooperation requirement","where":"endorsement","source":"policy-language","citation":{"page":297,"quote":"We may disclaim liability coverage only if you fail to cooperate with us and we establish, by a preponderance of evidence, that the lack of cooperation is prejudicial to us.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-MD 1","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":9,"quote":"Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 40 07 06 This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Property insurance. It points out that there is no coverage under such insurance for loss or damage caused by or resulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 01 40 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":10,"quote":"Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 75 07 06 This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Property insurance. It points out that there is no coverage under such insurance for loss or damage caused by or resulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 01 75 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Mismatch Exclusion","where":"endorsement","source":"policy-language","citation":{"page":11,"quote":"The Mismatch Exclusion adds an exclusion for mismatch of color or materials between undamaged roof or siding material and new roof or siding material used to repair or replace damaged roof or siding material.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-123","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Existing Damage Exclusion","where":"endorsement","source":"policy-language","citation":{"page":11,"quote":"The Existing Damage Exclusion adds an exclusion for damages occurring prior to the inception date of the policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-124","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Mold Exclusion","where":"endorsement","source":"policy-language","citation":{"page":13,"quote":"PI-CP-001 1001 Mold Exclusion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-001","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Changes - Electronic Data","where":"endorsement","source":"policy-language","citation":{"page":13,"quote":"PI-CP-002 0204 Changes - Electronic Data","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-002","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion - Umbrella","where":"endorsement","source":"policy-language","citation":{"page":327,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PI-CXL-132 (06/20) This endorsement adds an exclusion to the Umbrella for claims related to the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CXL-132","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for General Liability Coverages","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"CA 25 57 10 13 – COMMUNICABLE DISEASE EXCLUSION FOR GENERAL LIABILITY COVERAGES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 25 57 10 13","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for Garage Operations – Other Than Covered Autos","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"PI-CA-030 (12/20) – COMMUNICABLE DISEASE EXCLUSION FOR GARAGE OPERATIONS – OTHER THAN COVERED AUTOS","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-030","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for General Liability Coverages – Illinois","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"PI-CA-031 IL (12/20) – COMMUNICABLE DISEASE EXCLUSION FOR GENERAL LIABILITY COVERAGES – ILLINOIS","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-031 IL","alsoProvisions":["Communicable Disease Exclusion for General Liability Coverages – Washington"],"carrierNoticedReduction":false},{"label":"Notice of Reduction in Coverage","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"NOTICE OF REDUCTION IN COVERAGE","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-AD-CDEX-NOTICE 1","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Directors and Officers Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":38,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising from any \"wrongful act\" of any director or officer of the insured in the discharge or performance of their duties as such.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-004","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employers' Liability (Stop Gap) Exclusion","where":"endorsement","source":"policy-language","citation":{"page":39,"quote":"This insurance does not apply to any liability for \"bodily injury,\" disability or shock, including death at any time resulting from any of these, and, if arising out of the foregoing mental anguish or mental injury sustained by: 1. An \"employee\" of the insured arising out of and in the course of employment by the insured; or 2. The spouse, child, parent, brother or sister of that \"employee\" as a consequence of 1. above.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-006","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","source":"policy-language","citation":{"page":40,"quote":"This insurance does not apply to any injury, liability, damage, loss, cost or expense sustained or incurred by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-007","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Subsidence Exclusion","where":"endorsement","source":"policy-language","citation":{"page":41,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense, whether direct or indirect, arising out of, caused by, resulting from, contributed to or aggravated by the subsidence of land, including any: settling, expansion, sinking, slipping, falling away, tilting, caving in, shifting, eroding, mud flow, rising, or any other movement of land or earth if any of the foregoing emanate from the operations of the insured or any other person for whose acts the insured is legally liable.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-014","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Athletic Participants and Officials Exclusion","where":"endorsement","source":"policy-language","citation":{"page":42,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense for injury sustained by: Any person while practicing for, or participating in, or officiating at, any athletic contest or exhibition; or Any person specified below:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Trampoline Exclusion","where":"endorsement","source":"policy-language","citation":{"page":43,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. The ownership, maintenance or use of trampolines; or b. The supervision of any person using a trampoline.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-021","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employee Benefits Liability Follow Form Endorsement","where":"endorsement","source":"policy-language","citation":{"page":44,"quote":"This policy is intended to include Employee Benefits Liability coverage. The Employee Benefits Liability insurance provided will follow the same provisions, exclusions and limitations that are contained in the \"applicable underlying insurance\" shown in the Schedule of Underlying Insurance unless otherwise directed by an endorsement to this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-029","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","source":"policy-language","citation":{"page":45,"quote":"This insurance does not apply to: Fungi or Bacteria 1. \"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-032","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":46,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-039","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"General Liability Follow Form Endorsement","where":"endorsement","source":"policy-language","citation":{"page":47,"quote":"This policy is intended to include Commercial General Liability Coverage. The Commercial General Liability insurance provided will follow the same provisions, exclusions and limitations that are contained in the applicable \"underlying insurance\" shown in the Schedule of Underlying Insurance unless otherwise directed by this policy, or an endorsement to this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-041","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Medical Professional Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":48,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of any \"professional incident\" by any \"medical professional.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-047","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Non-Owned Watercraft Amendment","where":"endorsement","source":"policy-language","citation":{"page":49,"quote":"(2) Watercraft you do not own that is: (a) Less than 58 feet long; and (b) Not being used to carry persons or property for a charge.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-054","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employee Benefits Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":50,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of an act, error or omission committed in the \"administration\" of your \"employee benefit program.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-068","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":51,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead; b. Manufacture, distribution, sale, resale, rebranding, installation, repair, removal, encapsulation, abatement, replacement or handling of lead, paint containing lead, or any other material or substance containing lead","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-075","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Professional Liability Coverage Sub-Limit","where":"endorsement","source":"policy-language","citation":{"page":52,"quote":"Notwithstanding any provision to the contrary, this policy will provide the Applicable Professional Liability Coverage(s) subject to the Professional Liability Coverage Sub-Limits shown in the endorsement SCHEDULE above. These sub-limits are part of, and not in addition to, the Limits of Insurance stated in the Declarations.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":5000000,"formNumber":"PI-CXL-085","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-Related Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":53,"quote":"This insurance does not apply to: u. Access or Disclosure of Confidential or Personal Information and Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-088","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Automobile Liability (Sublimit)","where":"endorsement","source":"policy-language","citation":{"page":55,"quote":"Notwithstanding any provision to the contrary, this policy will provide auto liability coverage subject to the AUTOMOBILE LIABILITY SUB-LIMIT shown in the endorsement SCHEDULE above. This sub-limit is part of, and not in addition to, the Limits of Insurance stated in the Declarations.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":5000000,"formNumber":"PI-CXL-092","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Recording and Distribution of Material or Information in Violation of Law – Personal and Advertising Injury Exclusion","where":"endorsement","source":"policy-language","citation":{"page":56,"quote":"This insurance does not apply to \"personal and advertising injury\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-099","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","source":"policy-language","citation":{"page":57,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information, including but not limited to patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information, biometrics, or any other type of nonpublic information","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-100","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limit of Insurance Exclusion Clause Minimum Limit Requirement","where":"endorsement","source":"policy-language","citation":{"page":60,"quote":"This policy does not follow and shall not become excess of any coverage which incorporates a limit of insurance or sub-limit of insurance that is less than $1,000,000 and is attached to any \"underlying insurance\" shown in the Schedule of Underlying Insurance.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-111","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Per Location / Per Project Aggregate Limit of Insurance Exclusion","where":"endorsement","source":"policy-language","citation":{"page":61,"quote":"Any per location or per project aggregate limit of insurance that is extended by a policy of \"underlying insurance\" will not apply to any coverage provided by this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-113","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Silica or Silica-Related Dust Exclusion","where":"endorsement","source":"policy-language","citation":{"page":62,"quote":"This insurance does not apply to: Silica or Silica-Related Dust Any liability, damage, loss, cost or expense arising, in whole or in part, out of: 1. The actual, alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, \"silica\" or \"silica-related dust.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-117","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":63,"quote":"This insurance does not apply to: Communicable Disease Any liability, damage, loss, cost or expense arising, in whole or in part, out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-132","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","source":"policy-language","citation":{"page":64,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any injury, damage, loss, cost or expense arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-137","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion - Adoption and Foster Care Operations","where":"endorsement","source":"policy-language","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-HS-029","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":21,"quote":"Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-001","alsoProvisions":["Workers Compensation and Similar Laws","Employment Related Practices","War","E.R.I.S.A.","Contractual Liability","Aircraft or Watercraft","Auto Coverages","Other Personal and Advertising Injury Exclusions","Damage to Property","Damage to Your Product","Damage to Your Work","Damage to Impaired Property or Property Not Physically Injured","Recall of Products, Work or Impaired Property","Pollution","Discrimination","Asbestos","Nuclear Energy Liability","Liquor Liability","Trade or Economic Sanctions","Electronic Data","Distribution of Material in Violation of Statutes"],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":3,"formsWithNoRestrictionFound":39},"findings":[{"id":"finding-global.carrier-reduced-coverage","layer":"global","impact":"Did the carrier give notice that it reduced this coverage?","ruleId":"global.carrier-reduced-coverage","degraded":false,"evidence":[{"page":285,"quote":"There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":24,"quote":"NOTICE OF REDUCTION IN COVERAGE","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"dependsOn":[],"statement":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading. disciplinary proceeding defense removed; notice of reduction in coverage.","ruleVersion":"e3496ae3227a"},{"id":"finding-global.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":114,"quote":"If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you have protected the system against freezing; (c) Building glass breakage; (d) Water damage; (e) Theft; or (f) Attempted theft.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":203,"quote":"We will pay for the cost to replace keys and locks at the \"clients\" premises due to theft or other loss to keys entrusted to you by your \"client ,\" up to a $10,000 limit per occurrence and $10,000 policy aggregate.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":237,"quote":"Wear, tear, gradual deterioration, depreciation, any quality in the property that causes it to damage or destroy itself; hidden or latent defect; mechanical breakdown; corrosion or rust.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":257,"quote":"We will not pay for \"loss\" to any covered \"auto\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. We will also not pay for \"loss\" to any covered \"auto\" while that covered \"auto\" is being prepared for such a contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"dependsOn":[],"statement":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures. Property Not Covered – Electronic Data is capped at 2,500. Medical Payments – Limit Increased is capped at 20,000. Governmental Action is capped at 5,000. Expected Or Intended Injury - CA is capped at 1,000.","ruleVersion":"485c5e73f822"},{"id":"finding-global.endorsements-restrict","layer":"global","impact":"Do the attached endorsements restrict this coverage?","ruleId":"global.endorsements-restrict","degraded":false,"evidence":[],"dependsOn":[],"statement":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","ruleVersion":"86033228d3f6"}],"reviewId":"review-mt7drvll","decisions":[],"unanswered":[{"reason":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","questionId":"global.defense-outside-limits"},{"reason":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","questionId":"global.aggregate-impairment-known"}],"observations":[{"id":"observation-tower-attachment-derived-0","evidence":[],"statement":"This policy prints no attachment point. It is placed at 1,000,000, the largest limit named in its own schedule of underlying insurance, which is a floor rather than a reading: the schedule lists policies without saying which of them stack.","packetComplete":true},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-classifier","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf, from the classifier: This is a multi-coverage-part commercial package policy declarations packet for policy PHPK2661220-013. It includes: Common Policy Declarations (pages 1-2), Form Schedule – Policy (page 3), Locations Schedule (page 4), Additional Insured Schedule (pages 5-7), Fees and Surcharge Schedule (page 8), advisory notices (pages 9-11), Commercial Property Coverage Part Declarations and schedules (pages 12-14), Commercial General Liability Coverage Part Declarations and schedules (pages 15-18), Commercial Inland Marine Coverage Part Declarations and schedules (pages 19-22), and Business Auto Declarations and schedules (pages 23-30). The document covers multiple lines: Commercial Property, Commercial General Liability, Commercial Inland Marine, and Commercial Auto. Typed as general-liability per the instruction that a package policy including a general liability coverage part is typed general-liability. The policy period is 03/01/2025 to 03/01/2026.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-classifier","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf, from the classifier: The uploaded document is a packet containing multiple document types: pages 1–5 are the Commercial Umbrella Liability Insurance Policy Declarations (form PI-CXL-002, 05/19); page 6 is a Form Schedule – Umbrella Liability (schedule-of-forms); pages 7–8 are endorsement PI-HS-029 (Exclusion – Adoption and Foster Care Operations); and pages 9–30 are the Commercial Umbrella Liability Insurance Policy coverage form (PI-CXL-001, 03/14). The dominant character of the packet is the declarations, which is classified here. The additional documents are noted for downstream splitting. Single policy number PHUB902534-013 appears throughout.","packetComplete":false},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-citations","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: 344 of 361 figures were confirmed against the page they cite. The remaining 17 could not be, so they are the reader's word rather than the document's. Nothing else in this reading depends on them.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-citations","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf: 165 of 166 figures were confirmed against the page they cite. The remaining 1 could not be, so it is the reader's word rather than the document's. Nothing else in this reading depends on it.","packetComplete":false},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-truncated","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: pages 1 to 30 were read in full, and all 329 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-sweep-losses","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: of the 329 pages searched for provisions and schedule entries, 45 pages were not reached inside the time this reading is allowed. A restriction printed on one of those pages would not appear here.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-truncated","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf: pages 1 to 30 were read in full, and all 84 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":58377,"outputTokens":508,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":65809,"outputTokens":10370,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":21030,"outputTokens":748,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":32865,"outputTokens":1971,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":26615,"outputTokens":3212,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":31614,"outputTokens":6023,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":30482,"outputTokens":6588,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":21872,"outputTokens":1984,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":8542,"outputTokens":610,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"vva-gl-package_philadelphia-indemnity_PHPK2661220","sha256":"42286ee391c6a7f52e8fcbcb758c4342a3b59fa4a6c556904a50d623475cb76b","filename":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"This is a multi-coverage-part commercial package policy declarations packet for policy PHPK2661220-013. It includes: Common Policy Declarations (pages 1-2), Form Schedule – Policy (page 3), Locations Schedule (page 4), Additional Insured Schedule (pages 5-7), Fees and Surcharge Schedule (page 8), advisory notices (pages 9-11), Commercial Property Coverage Part Declarations and schedules (pages 12-14), Commercial General Liability Coverage Part Declarations and schedules (pages 15-18), Commercial Inland Marine Coverage Part Declarations and schedules (pages 19-22), and Business Auto Declarations and schedules (pages 23-30). The document covers multiple lines: Commercial Property, Commercial General Liability, Commercial Inland Marine, and Commercial Auto. Typed as general-liability per the instruction that a package policy including a general liability coverage part is typed general-liability. The policy period is 03/01/2025 to 03/01/2026.","carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"pageCount":329,"confidence":"high","namedInsured":{"value":"Vietnam Veterans of America Inc Chapters and State Councils","citation":{"page":1,"quote":"Vietnam Veterans of America Inc\nChapters and State Councils\n8719 Colesville Rd Ste 100\nSilver Spring, MD 20910-3919","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"policyNumber":{"value":"PHPK2661220-013","citation":{"page":1,"quote":"Policy Number:  PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":329,"firstError":null,"failedPages":0,"timedOutPages":45},"extraction":{"id":"vva-gl-package_philadelphia-indemnity_PHPK2661220","role":"primary","term":{"effective":{"value":"2025-03-01","citation":{"page":1,"quote":"Policy Period From: 03/01/2025","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"expiration":{"value":"2026-03-01","citation":{"page":1,"quote":"To: 03/01/2026","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}},"notes":"This is a primary commercial package policy (PHPK2661220-013) issued by Philadelphia Indemnity Insurance Company to Vietnam Veterans of America Inc, Chapters and State Councils. The policy includes Commercial Property, Commercial General Liability, Commercial Crime, Commercial Inland Marine, and Commercial Auto coverage parts. The CGL declarations (page 15) show the principal liability limits. The retroactive date field on the CGL declarations reads 'NONE', confirming occurrence-basis coverage (CG 00 01 04 13 is the coverage form). No schedule of underlying insurance exists as this is a primary policy, not an umbrella or excess. No deductible or self-insured retention is printed on the CGL declarations. Defense costs treatment (inside/outside limits) cannot be determined from the declarations pages alone — the CG 00 01 form language would need to be read; that form is listed in the GL forms schedule but its text was not provided in these pages. The forms schedule on page 3 covers policy-level forms; the GL-specific forms schedule appears on page 16. The forms schedule on page 16 does not have an edition date printed for the document itself. The PI-SAM-018 (Absolute Abuse or Molestation Exclusion, edition 0519) appears on the policy-level forms schedule, while PI-SAM-006 (Abuse Or Molestation Exclusion, edition 0117) appears on the GL forms schedule — both are attached. The Medical Expense Limit is printed as $0 on page 15.","limits":{"eachOccurrence":{"value":1000000,"citation":{"page":15,"quote":"$ 1,000,000 Each Occurrence Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"generalAggregate":{"value":3000000,"citation":{"page":15,"quote":"$ 3,000,000 General Aggregate Limit (Other Than Products – Completed Operations)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":1000000,"citation":{"page":15,"quote":"$ 1,000,000 Personal and Advertising Injury Limit (Any One Person or Organization)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":3000000,"citation":{"page":15,"quote":"$ 3,000,000 Products/Completed Operations Aggregate Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}},"carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company\nA Stock Company (Nonparticipating)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["vva-gl-package_philadelphia-indemnity_PHPK2661220"],"namedInsured":{"value":"Vietnam Veterans of America Inc\nChapters and State Councils","citation":{"page":1,"quote":"Vietnam Veterans of America Inc\nChapters and State Councils\n8719 Colesville Rd Ste 100\nSilver Spring, MD 20910-3919","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"policyNumber":{"value":"PHPK2661220-013","citation":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"restrictions":[{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","citation":{"page":72,"quote":"NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Exclusion - Nuclear Material Liability Coverage","where":"endorsement","citation":{"page":72,"quote":"The insurance does not apply: A. Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an \"insured\" under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or (2) Resulting from the \"hazardous properties\" of \"nuclear material\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Exclusion - Nuclear Material Medical Payments","where":"endorsement","citation":{"page":72,"quote":"B. Under any Medical Payments coverage, to expenses incurred with respect to \"bodily injury\" resulting from the \"hazardous properties\" of \"nuclear material\" and arising out of the operation of a \"nuclear facility\" by any person or organization.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Exclusion - Nuclear Facility Operations","where":"endorsement","citation":{"page":72,"quote":"C. Under any Liability Coverage, to \"bodily injury\" or \"property damage\" resulting from \"hazardous properties\" of \"nuclear material\", if: (1) The \"nuclear material\" (a) is at any \"nuclear facility\" owned by, or operated by or on behalf of, an \"insured\" or (b) has been discharged or dispersed therefrom; (2) The \"nuclear material\" is contained in \"spent fuel\" or \"waste\" at any time possessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an \"insured\"; or (3) The \"bodily injury\" or \"property damage\" arises out of the furnishing by an \"insured\" of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any \"nuclear facility\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Appraisal Condition","where":"endorsement","citation":{"page":76,"quote":"The Appraisal Condition in: 1. Business Income (And Extra Expense) Coverage Form CP 00 30; and 2. Business Income (Without Extra Expense) Coverage Form CP 00 32; is replaced by the following:","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 04 07 20","carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation or Fraud","where":"endorsement","citation":{"page":77,"quote":"We will not pay for any loss (\"loss\") or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. Fraud; committed by an insured (\"insured\") at any time and relating to a claim under this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 10 09 07","carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","citation":{"page":89,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-ACL-001 (12/18)","carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","citation":{"page":95,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, sum, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person or organization and which is: A. Caused by alleged, actual or threatened abuse or molestation by anyone","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-029 (02/20)","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion Professional Liability","where":"endorsement","citation":{"page":97,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error or omission, or damage arising out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-PROF-002 (06/20)","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability","where":"endorsement","citation":{"page":98,"quote":"This insurance does not apply to: A. Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any loss, cost, expense, fine, penalty, act, error or omission, injury or damage, or attorney's fees arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. 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Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Care, Custody Or Control - CA","where":"base-form","citation":{"page":241,"quote":"\"Property damage\" to or \"covered pollution cost or expense\" involving property owned or transported by the \"insured\" or in the \"insured's\" care, custody or control.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Handling Of Property - CA","where":"base-form","citation":{"page":242,"quote":"\"Bodily injury\" or \"property damage\" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the \"insured\" for movement into or onto the covered \"auto\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Movement Of Property By Mechanical Device - CA","where":"base-form","citation":{"page":242,"quote":"\"Bodily injury\" or \"property damage\" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Operations - CA","where":"base-form","citation":{"page":242,"quote":"\"Bodily injury\" or \"property damage\" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of \"mobile equipment\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Completed Operations - CA","where":"base-form","citation":{"page":242,"quote":"\"Bodily injury\" or \"property damage\" arising out of your work after that work has been completed or abandoned.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Pollution - CA","where":"base-form","citation":{"page":242,"quote":"\"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"War - CA","where":"base-form","citation":{"page":243,"quote":"\"Bodily injury\" or \"property damage\" arising directly or indirectly out of: a. War, including undeclared or civil war","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Racing - CA","where":"base-form","citation":{"page":243,"quote":"Covered \"autos\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Nuclear Hazard - Physical Damage","where":"base-form","citation":{"page":244,"quote":"The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"War Or Military Action - Physical Damage","where":"base-form","citation":{"page":244,"quote":"War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Wear and tear, freezing, mechanical or electrical breakdown","where":"base-form","citation":{"page":245,"quote":"Wear and tear, freezing, mechanical or electrical breakdown.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Tapes, records, discs or other similar audio, visual or data electronic devices","where":"base-form","citation":{"page":245,"quote":"Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment - speed-measuring detection devices","where":"base-form","citation":{"page":245,"quote":"Any device designed or used to detect speed-measuring equipment such as radar or laser detectors and any jamming apparatus intended to elude or disrupt speed-measurement equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment - audio, visual or data signals","where":"base-form","citation":{"page":245,"quote":"Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Diminution in value","where":"base-form","citation":{"page":245,"quote":"We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment sub-limit","where":"base-form","citation":{"page":245,"quote":"$1,000 is the most we will pay for \"loss\" in any one \"accident\" to all electronic equipment that reproduces, receives or transmits audio, visual or data signals","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Supplementary Payments - Bail bonds sub-limit","where":"base-form","citation":{"page":240,"quote":"Up to $2,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an \"accident\" we cover.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2000,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Transportation Expenses sub-limit","where":"base-form","citation":{"page":244,"quote":"We will pay up to $20 per day to a maximum of $600 for temporary transportation expense incurred by you because of the total theft of a covered \"auto\" of the private passenger type.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":600,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","citation":{"page":256,"quote":"Nuclear Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"War Or Military Action","where":"base-form","citation":{"page":256,"quote":"War Or Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Professional or organized racing or demolition contest or stunting activity","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to any covered \"auto\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. We will also not pay for \"loss\" to any covered \"auto\" while that covered \"auto\" is being prepared for such a contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Wear and tear, freezing, mechanical or electrical breakdown","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" due and confined to: a. Wear and tear, freezing, mechanical or electrical breakdown.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Blowouts, punctures or other road damage to tires","where":"base-form","citation":{"page":257,"quote":"b. Blowouts, punctures or other road damage to tires. This exclusion does not apply to such \"loss\" resulting from the total theft of a covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Tapes, records, discs or other similar audio, visual or data electronic devices","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Speed-measuring equipment detection and jamming apparatus","where":"base-form","citation":{"page":257,"quote":"b. Any device designed or used to detect speed-measuring equipment, such as radar or laser detectors, and any jamming apparatus intended to elude or disrupt speed-measuring equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment for audio, visual or data signals","where":"base-form","citation":{"page":257,"quote":"c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Accessories used with electronic equipment","where":"base-form","citation":{"page":257,"quote":"d. Any accessories used with the electronic equipment described in Paragraph c. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Diminution in value","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment reproducing, receiving or transmitting audio, visual or data signals","where":"base-form","citation":{"page":257,"quote":"All electronic equipment that reproduces, receives or transmits audio, visual or data signals in any one \"loss\" is $1,000, if, at the time of \"loss\", such electronic equipment is: (1) Permanently installed in or upon the covered \"auto\" in a housing, opening or other location that is not normally used by the \"auto\" manufacturer for the installation of such equipment; (2) Removable from a permanently installed housing unit as described in Paragraph b.(1) above; or (3) An integral part of such equipment as described in Paragraphs b.(1) and b.(2) above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Fellow Employee Exclusion - Maryland Changes","where":"endorsement","citation":{"page":266,"quote":"The Fellow Employee Exclusion is replaced by the following: Fellow Employee \"Bodily injury\" to: a. Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment or while performing duties related to the conduct of your business; or b. The spouse, child, parent, brother or sister of that fellow \"employee\" as a consequence of Paragraph a. above. However, this exclusion does not apply for coverage up to the minimum limit specified by the Maryland Vehicle Law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 70","carrierNoticedReduction":false},{"label":"Racing Exclusion - Maryland Changes","where":"endorsement","citation":{"page":266,"quote":"The Racing Exclusion is replaced by the following: Racing Covered \"autos\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. This insurance also does not apply while that covered \"auto\" is being prepared for such a contest or activity. However, this exclusion does not apply for coverage up to the minimum limit specified by the Maryland Vehicle Law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 70","carrierNoticedReduction":false},{"label":"Diminution in value exclusion removed - Maryland Changes","where":"endorsement","citation":{"page":266,"quote":"The \"diminution in value\" exclusion does not apply.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 70","carrierNoticedReduction":false},{"label":"Collision Coverage in Mexico","where":"endorsement","citation":{"page":263,"quote":"Coverage for a \"loss\" caused by collision or overturn of a covered \"auto\" \"you\" own applies while the \"auto\" is in Mexico. However: A. The \"loss\" will be paid for in the United States. B. The most \"we\" will pay for \"loss\" is the lesser of the following amounts: 1. The cost of repairing the \"auto\" or replacing its parts in Mexico; or 2. The cost of repair or replacement at the nearest point in the United States where repair or replacement could be made.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 06","carrierNoticedReduction":false},{"label":"Expected or intended damages","where":"base-form","citation":{"page":275,"quote":"Expected or intended from the standpoint of the insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Breach of contract or agreement","where":"base-form","citation":{"page":275,"quote":"For any actual or alleged breach of contract or agreement. This exclusion does not apply to liability for \"damages\" that the insured would have in the absence of the contract or agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Operation of hospital, sanatorium, medical clinic, or medical facility or laboratory","where":"base-form","citation":{"page":275,"quote":"Arising out of the operation of any hospital, sanatorium, \" medical clinic \" , or any other medical facility or laboratory.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Ownership, maintenance, use or entrustment of aircraft, auto, or watercraft","where":"base-form","citation":{"page":275,"quote":"Arising out of the ownership, maintenance, use or entrustment to others of any aircraft, \"auto\" , or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and \"loading or unloading\" .","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances","where":"base-form","citation":{"page":275,"quote":"Arising out of the prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances, except as directed by a physician, physician assistant, nurse, or a psychologist as permitted under state law, and in the normal practice as a human services organization provider.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Professional services of any psychiatrist","where":"base-form","citation":{"page":275,"quote":"Arising out of the professional services of any psychiatrist. However, with respect to you only, this exclusion does not apply to services performed by a psychiatrist so long as you have written confirmation of malpractice insurance covering such individual with limits of at least $1,000,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Professional services of attorney, architect, engineer, accountant, and other licensed professionals","where":"base-form","citation":{"page":275,"quote":"Arising out of the furnishing or failure to furnish professional services by an attorney, architect, engineer, accountant, real estate or investment manager, physician, dentist, anesthesiologist, nurse anesthetist, nurse midwife, x-ray therapist, radiologist, chiropodist, chiropractor, optometrist, or veterinarian.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Membership in formal accreditation or professional board or committee","where":"base-form","citation":{"page":276,"quote":"Arising out of membership in a formal accreditation or similar professional board or committee or any hospital or professional society.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Injury to any insured or consequential injury to family members","where":"base-form","citation":{"page":276,"quote":"Arising out of injury to any insured, or any consequential injury to the spouse, child, parent, brother or sister of that insured. This exclusion applies: a. Whether the insured may be liable as an employer or in any other capacity; and b. To any obligation to share \"damages\" with or repay someone else who must pay \"damages\" because of the injury.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Obligation under workers compensation, disability benefits or unemployment compensation law","where":"base-form","citation":{"page":276,"quote":"Arising out of any obligation of the insured under a workers compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Employment-related claims","where":"base-form","citation":{"page":276,"quote":"Arising out of any claim made by: a. A person because of any: (1) Refusal to employ that person; (2) Termination of that person's employment; or (3) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation or discrimination directed at that person; or b. The spouse, child, parent, brother or sister of that person as a consequence of any \"damages\" or injury to that person at whom any of the employment-related practices described in paragraphs (1), (2), or (3) above is directed.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Advertising injury or personal injury","where":"base-form","citation":{"page":276,"quote":"Arising out of \"advertising injury\" or \" personal injury\" . However, this exclusion does not apply to \"personal injury\" when the offense is directly resulting from a \"professional incident\" and the \"personal injury\" does not arise out of: a. Oral or written publication of material, if done by or at the direction of the insured with knowledge of its falsity; b. Oral or written publication of material, whose first publication took place before the beginning of the policy period; or c. The willful violation of a penal statute or ordinance committed by or with the consent of the insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Damage to property owned, occupied, used, or in possession of insured","where":"base-form","citation":{"page":276,"quote":"Arising out of damage to property: a. Owned, occupied or used by any insured; b. Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by any insured; c. Which is or was in the possession of any insured or any person acting on behalf of any insured; or d. That is real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are or were performing operations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Pollution hazard, Nuclear hazard, Asbestos hazard, or Lead hazard","where":"base-form","citation":{"page":276,"quote":"Arising out of any: a. \"Pollution hazard\"; b. \"Nuclear hazard\"; c. \"Asbestos hazard\"; or d. \"Lead hazard\" .","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Discrimination","where":"base-form","citation":{"page":277,"quote":"Arising out of actual or alleged discrimination.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Unfair competition or violation of anti-trust laws","where":"base-form","citation":{"page":277,"quote":"Arising out of unfair competition or violation of any anti-trust laws.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Inability or failure to collect or pay money","where":"base-form","citation":{"page":277,"quote":"Arising out of the inability or failure of the insured or others to collect or pay money.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Personal profit or advantage not legally entitled to","where":"base-form","citation":{"page":277,"quote":"Arising out of an insured gaining any personal profit or advantage to which they are not legally entitled.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Liability under Employment Retirement Income Security Act","where":"base-form","citation":{"page":277,"quote":"Arising out of liability under the Employment Retirement Income Security Act of 1974 and any amendments to that law, or any similar federal or state law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Criminal, dishonest, fraudulent or malicious act or omission","where":"base-form","citation":{"page":277,"quote":"Arising out of any criminal, dishonest, fraudulent or malicious act or omission. This exclusion does not apply to any insured who did not: a. Personally participate in committing any such act; or b. Remain passive after having personal knowledge of any such act or omission.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Claim made by another insured","where":"base-form","citation":{"page":277,"quote":"Arising out of any claim made or \"suit\" brought against an insured by another insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Acts, errors or omissions of managerial or administrative nature","where":"base-form","citation":{"page":277,"quote":"Arising out of acts, errors or omissions of a managerial or administrative nature.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Physical or sexual abuse or molestation and negligent employment, investigation, supervision, reporting or retention","where":"base-form","citation":{"page":277,"quote":"Arising out of: a. 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The dominant character of the packet is the declarations, which is classified here. The additional documents are noted for downstream splitting. Single policy number PHUB902534-013 appears throughout.","carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"pageCount":84,"confidence":"high","namedInsured":{"value":"Vietnam Veterans of America Inc.\nChapters and State Councils","citation":{"page":1,"quote":"NAMED INSURED:  Vietnam Veterans of America Inc.\n                Chapters and State Councils","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"policyNumber":{"value":"PHUB902534-013","citation":{"page":1,"quote":"POLICY NUMBER:  PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":84,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"vva-umbrella_philadelphia-indemnity_PHUB902534","role":"umbrella","term":{"effective":{"value":"2025-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM 03/01/2025 TO 03/01/2026","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"expiration":{"value":"2026-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM 03/01/2025 TO 03/01/2026","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"notes":"The Employers' Liability section of the Schedule of Underlying Insurance (page 3) is blank — no carrier, policy number, policy period, or limits are printed. The Employee Benefits Liability, Abusive Conduct Liability, Directors & Officers Liability, Liquor Liability, Watercraft Liability, and Other Coverages sections (pages 4–5) are also blank. Only Commercial General Liability, Commercial Auto Liability, and Professional Liability rows have populated data and are transcribed. The retained limit is labeled 'RETAINED LIMIT' on the declarations page (page 1); it is not labeled as a deductible or SIR, so it is recorded as selfInsuredRetention pending review of policy language. The form PI-HS-029 (02/20) — Exclusion: Adoption and Foster Care Operations — appears in the document packet (pages 7–8) but is not listed on the Form Schedule (page 6); it is not added to the formsSchedule. The attachment point for this umbrella is the sum of underlying limits shown in the schedule, which are not expressly stated as a single aggregate attachment point figure; accordingly the attachmentPoint field is omitted as no single printed figure is provided.","limits":{"eachOccurrence":{"value":5000000,"citation":{"page":1,"quote":"EACH OCCURRENCE LIMIT (LIABILITY COVERAGE) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":1,"quote":"GENERAL AGGREGATE LIMIT (LIABILITY COVERAGE) (except with respect to Auto Liability and Products Completed Operations) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":5000000,"citation":{"page":1,"quote":"PERSONAL & ADVERTISING INJURY LIMIT $ 5,000,000 Any one person or organization","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":5000000,"citation":{"page":1,"quote":"PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":{"value":10000,"citation":{"page":1,"quote":"RETAINED LIMIT: $ 10,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"confidence":"high","documentIds":["vva-umbrella_philadelphia-indemnity_PHUB902534"],"namedInsured":{"value":"Vietnam Veterans of America Inc. Chapters and State Councils","citation":{"page":1,"quote":"NAMED INSURED: Vietnam Veterans of America Inc. Chapters and State Councils","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"policyNumber":{"value":"PHUB902534-013","citation":{"page":1,"quote":"POLICY NUMBER: PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"restrictions":[{"label":"Directors and Officers Liability Exclusion","where":"endorsement","citation":{"page":38,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising from any \"wrongful act\" of any director or officer of the insured in the discharge or performance of their duties as such.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-004","carrierNoticedReduction":false},{"label":"Employers' Liability (Stop Gap) Exclusion","where":"endorsement","citation":{"page":39,"quote":"This insurance does not apply to any liability for \"bodily injury,\" disability or shock, including death at any time resulting from any of these, and, if arising out of the foregoing mental anguish or mental injury sustained by: 1. An \"employee\" of the insured arising out of and in the course of employment by the insured; or 2. The spouse, child, parent, brother or sister of that \"employee\" as a consequence of 1. above.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-006","carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","citation":{"page":40,"quote":"This insurance does not apply to any injury, liability, damage, loss, cost or expense sustained or incurred by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-007","carrierNoticedReduction":false},{"label":"Subsidence Exclusion","where":"endorsement","citation":{"page":41,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense, whether direct or indirect, arising out of, caused by, resulting from, contributed to or aggravated by the subsidence of land, including any: settling, expansion, sinking, slipping, falling away, tilting, caving in, shifting, eroding, mud flow, rising, or any other movement of land or earth if any of the foregoing emanate from the operations of the insured or any other person for whose acts the insured is legally liable.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-014","carrierNoticedReduction":false},{"label":"Athletic Participants and Officials Exclusion","where":"endorsement","citation":{"page":42,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense for injury sustained by: Any person while practicing for, or participating in, or officiating at, any athletic contest or exhibition; or Any person specified below:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-015","carrierNoticedReduction":false},{"label":"Trampoline Exclusion","where":"endorsement","citation":{"page":43,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. The ownership, maintenance or use of trampolines; or b. The supervision of any person using a trampoline.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-021","carrierNoticedReduction":false},{"label":"Employee Benefits Liability Follow Form Endorsement","where":"endorsement","citation":{"page":44,"quote":"This policy is intended to include Employee Benefits Liability coverage. The Employee Benefits Liability insurance provided will follow the same provisions, exclusions and limitations that are contained in the \"applicable underlying insurance\" shown in the Schedule of Underlying Insurance unless otherwise directed by an endorsement to this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-029","carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","citation":{"page":45,"quote":"This insurance does not apply to: Fungi or Bacteria 1. \"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-032","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":46,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-039","carrierNoticedReduction":false},{"label":"General Liability Follow Form Endorsement","where":"endorsement","citation":{"page":47,"quote":"This policy is intended to include Commercial General Liability Coverage. The Commercial General Liability insurance provided will follow the same provisions, exclusions and limitations that are contained in the applicable \"underlying insurance\" shown in the Schedule of Underlying Insurance unless otherwise directed by this policy, or an endorsement to this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-041","carrierNoticedReduction":false},{"label":"Medical Professional Liability Exclusion","where":"endorsement","citation":{"page":48,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of any \"professional incident\" by any \"medical professional.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-047","carrierNoticedReduction":false},{"label":"Non-Owned Watercraft Amendment","where":"endorsement","citation":{"page":49,"quote":"(2) Watercraft you do not own that is: (a) Less than 58 feet long; and (b) Not being used to carry persons or property for a charge.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-054","carrierNoticedReduction":false},{"label":"Employee Benefits Liability Exclusion","where":"endorsement","citation":{"page":50,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of an act, error or omission committed in the \"administration\" of your \"employee benefit program.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-068","carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","citation":{"page":51,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead; b. Manufacture, distribution, sale, resale, rebranding, installation, repair, removal, encapsulation, abatement, replacement or handling of lead, paint containing lead, or any other material or substance containing lead","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-075","carrierNoticedReduction":false},{"label":"Professional Liability Coverage Sub-Limit","where":"endorsement","citation":{"page":52,"quote":"Notwithstanding any provision to the contrary, this policy will provide the Applicable Professional Liability Coverage(s) subject to the Professional Liability Coverage Sub-Limits shown in the endorsement SCHEDULE above. These sub-limits are part of, and not in addition to, the Limits of Insurance stated in the Declarations.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":5000000,"formNumber":"PI-CXL-085","carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-Related Liability Exclusion","where":"endorsement","citation":{"page":53,"quote":"This insurance does not apply to: u. Access or Disclosure of Confidential or Personal Information and Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-088","carrierNoticedReduction":false},{"label":"Automobile Liability (Sublimit)","where":"endorsement","citation":{"page":55,"quote":"Notwithstanding any provision to the contrary, this policy will provide auto liability coverage subject to the AUTOMOBILE LIABILITY SUB-LIMIT shown in the endorsement SCHEDULE above. This sub-limit is part of, and not in addition to, the Limits of Insurance stated in the Declarations.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":5000000,"formNumber":"PI-CXL-092","carrierNoticedReduction":false},{"label":"Recording and Distribution of Material or Information in Violation of Law – Personal and Advertising Injury Exclusion","where":"endorsement","citation":{"page":56,"quote":"This insurance does not apply to \"personal and advertising injury\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-099","carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","citation":{"page":57,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information, including but not limited to patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information, biometrics, or any other type of nonpublic information","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-100","carrierNoticedReduction":false},{"label":"Limit of Insurance Exclusion Clause Minimum Limit Requirement","where":"endorsement","citation":{"page":60,"quote":"This policy does not follow and shall not become excess of any coverage which incorporates a limit of insurance or sub-limit of insurance that is less than $1,000,000 and is attached to any \"underlying insurance\" shown in the Schedule of Underlying Insurance.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-111","carrierNoticedReduction":false},{"label":"Per Location / Per Project Aggregate Limit of Insurance Exclusion","where":"endorsement","citation":{"page":61,"quote":"Any per location or per project aggregate limit of insurance that is extended by a policy of \"underlying insurance\" will not apply to any coverage provided by this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-113","carrierNoticedReduction":false},{"label":"Silica or Silica-Related Dust Exclusion","where":"endorsement","citation":{"page":62,"quote":"This insurance does not apply to: Silica or Silica-Related Dust Any liability, damage, loss, cost or expense arising, in whole or in part, out of: 1. The actual, alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, \"silica\" or \"silica-related dust.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-117","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion","where":"endorsement","citation":{"page":63,"quote":"This insurance does not apply to: Communicable Disease Any liability, damage, loss, cost or expense arising, in whole or in part, out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-132","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","citation":{"page":64,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any injury, damage, loss, cost or expense arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-137","carrierNoticedReduction":false},{"label":"Exclusion - Adoption and Foster Care Operations","where":"endorsement","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-HS-029","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","citation":{"page":12,"quote":"Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Workers Compensation and Similar Laws","where":"base-form","citation":{"page":12,"quote":"Workers Compensation and Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Employment Related Practices","where":"base-form","citation":{"page":12,"quote":"Employment Related Practices \"Bodily injury\" or \"personal and advertising injury\" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or (c) Employment related practices, policies, acts or omissions such as discrimination, criticism, self-defamation, coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation or malicious prosecution directed at that person","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":13,"quote":"War \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" however caused arising, directly or indirectly out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Rebellion, revolution, insurrection, usurped power or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"E.R.I.S.A.","where":"base-form","citation":{"page":13,"quote":"E.R.I.S.A. Any obligation of the insured under the Employees' Retirement Income Security Act (E.R.I.S.A.) and any amendments thereto or any similar federal, state, or local statute.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":13,"quote":"Contractual Liability \"Bodily injury\" or \"property damage\" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Aircraft or Watercraft","where":"base-form","citation":{"page":13,"quote":"Aircraft or Watercraft \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance, use or entrustment to others of any aircraft or watercraft owned, or operated by; or rented or loaned to any insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Auto Coverages","where":"base-form","citation":{"page":14,"quote":"Auto Coverages (1) \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance or use of any \"auto\" which is not an \"auto\" covered by \"underlying insurance\"; or (2) Any loss, cost or expense payable under or resulting from any first party physical damage coverage; no-fault law; personal injury protection or auto medical payment coverage; or uninsured or underinsured motorist law.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Other Personal and Advertising Injury Exclusions","where":"base-form","citation":{"page":14,"quote":"Other Personal and Advertising Injury Exclusions \"Personal and advertising injury\": (1) Knowing Violation of Rights of Another Caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict \"personal and advertising injury.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Property","where":"base-form","citation":{"page":16,"quote":"Damage to Property \"Property damage\" to property: (1) You own, rent or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Your 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