{"id":"review-mt8vya1j","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"ut-system-rocip-program_multi-carrier_2017-2023","pagesSwept":286,"pagesTotal":316,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted.","The reading proceeded without: Underlying policy GLO 4353409-00 scheduled by 47-XSF-304056-01; Underlying policy WC0183286 scheduled by 47-XSF-304056-01. Each absence is flagged and cited; no person was asked."],"unsatisfied":["expectation:47-xsf-304056-01:glo-4353409-00","expectation:47-xsf-304056-01:wc0183286","expectation:1000023859:glo0183287","expectation:1000023859:wc0183286","expectation:1000023859:g46798673-001","expectation:1000023859:gl00183287"],"expectations":[{"id":"expectation:47-xsf-304056-01:glo-4353409-00","what":"Underlying policy GLO 4353409-00 scheduled by 47-XSF-304056-01","basis":"cited","source":{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:47-xsf-304056-01:wc0183286","what":"Underlying policy WC0183286 scheduled by 47-XSF-304056-01","basis":"cited","source":{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:xsm-g46798673-001:47-xsf-304056-01","what":"Underlying policy 47-XSF-304056-01 scheduled by XSM G46798673 001","basis":"cited","source":{"page":267,"quote":"Policy# 47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:1000023859:47-xsf-304056-01","what":"Underlying policy 47-XSF-304056-01 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: 47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:1000023859:glo0183287","what":"Underlying policy GLO0183287 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:1000023859:wc0183286","what":"Underlying policy WC0183286 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: WCO1 83286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:1000023859:g46798673-001","what":"Underlying policy G46798673 001 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: G46798673 001","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:1000023859:gl00183287","what":"Underlying policy GL00183287 scheduled by 1000023859","basis":"cited","source":{"page":284,"quote":"Policy No.: GL00183287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":null},{"id":"expectation:eco-23-58-07-14-29:47-xsf-304056-01","what":"Underlying policy 47-XSF-304056-01 scheduled by ECO (23) 58 07 14 29","basis":"cited","source":{"page":306,"quote":"47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:eco-23-58-07-14-29:xsm-g46798673-001","what":"Underlying policy XSM G46798673 001 scheduled by ECO (23) 58 07 14 29","basis":"cited","source":{"page":306,"quote":"XSM G46798673 001","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"id":"expectation:eco-23-58-07-14-29:1000023859","what":"Underlying policy 1000023859 scheduled by ECO (23) 58 07 14 29","basis":"cited","source":{"page":306,"quote":"1000023859","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"satisfiedByDocumentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"documentsRead":["ut-system-rocip-program_multi-carrier_2017-2023"]},"answers":[{"state":"fail","message":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"fail","message":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"fail","message":"The policies name different insureds. A tower is one entity's coverage, so stacking policies belonging to two entities produces a total nobody actually has. Confirm these belong together before the figures are relied on.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"pass","message":"All layers run concurrently, so the tower is the same on every day of the term.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"cannot-determine","message":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"pass","message":"No endorsement announces itself as a reduction in coverage. Other restrictions may still be attached; this asks only what the carrier flagged.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"fail","message":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"line":"Employer's Liability","role":"unknown","limit":1000000,"carrier":"Zurich American Insurance Company","inTower":false,"premium":null,"sources":{"limit":{"page":204,"quote":"$1,000,000 Each Accident","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":204,"quote":"Employer's Liability Zurich American Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"scheduled-1","effective":"2017-08-01","formBasis":"unknown","deductible":null,"expiration":"2023-08-01","formNumbers":[],"namedInsured":null,"policyNumber":"WC0183286","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":null,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"primary","limit":2000000,"carrier":"ZURICH AMERICAN INSURANCE COMPANY","inTower":true,"premium":null,"sources":{"limit":{"page":135,"quote":"EACH OCCURRENCE LIMIT $ 2,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":135,"quote":"ZURICH AMERICAN INSURANCE COMPANY","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":135,"quote":"Policy Number: GLO 0183287-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":135,"quote":"GENERAL AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"perProjectAggregate":{"page":137,"quote":"X B. The Products-Completed Operations Aggregate Limit applies separately to each \"designated project\" for which B. is selected.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"productsCompletedOpsAggregate":{"page":135,"quote":"PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["U-GL-D-1115-B CW","U-GL-1364-A CW","U-GL-D-1306-B CW","U-GL-D-1306-B CW","CG 00 01 04 13","U-GL-1114-A CW","U-GL-1054-A CW"],"namedInsured":"THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM","policyNumber":"GLO 0183287-00","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":"NONE","aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":5000000,"selfInsuredRetention":null,"personalAdvertisingInjury":2000000,"productsCompletedOpsAggregate":5000000},{"line":"General Liability","role":"unknown","limit":2000000,"carrier":"Zurich American Insurance Company","inTower":true,"premium":null,"sources":{"limit":{"page":204,"quote":"$2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":204,"quote":"General Liability Zurich American Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":204,"quote":"$5,000,000 General Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"scheduled-0","effective":"2017-08-01","formBasis":"unknown","deductible":null,"expiration":"2023-08-01","formNumbers":[],"namedInsured":null,"policyNumber":"GLO 4353409-00","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":25000000,"carrier":"Berkshire Hathaway Specialty Insurance Company","inTower":true,"premium":null,"sources":{"limit":{"page":198,"quote":"A. Per Occurrence $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":198,"quote":"Berkshire Hathaway Specialty Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":198,"quote":"Policy No.: 47-XSF-304056-O1","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":204,"quote":"General Liability Zurich American Insurance Company 08/01/2017 to 08/01/2023 Policy #GLO 4353409-00 $2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":198,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"perProjectAggregate":{"page":216,"quote":"Per Project Products-Completed Operations Aggregate Limit of Insurance (Applicable to Each Construction Project With Construction Value In Excess of $100,000,000): a. $25,000,000 (During the Policy Period); and b. $25,000,000 (Products Completed Operations Extension Period)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"productsCompletedOpsAggregate":{"page":198,"quote":"C. Products-Completed Ope rations Aggregate $25,000,000 Policy) Limit:","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["FF-XS-DEC-10/2014","CLP-UN-016-07/2013","FFP-XS-001-10/2014","FFP-XS-002-11/2014","CLP-UN-010-07/2013","CLP-UN-017-07/2013","CLP-UN-078-11/2013","CL-UN-083-01/2015","FFP-XS-013-07/2014","FF-XS-026-02/2016","CL-UN-075-12/2016","MANUSCRIPT","MANUSCRIPT","FF-XS-005-07/2014"],"namedInsured":"The University Of Texas System","policyNumber":"47-XSF-304056-01","scheduledOnly":false,"attachmentPoint":2000000,"exhaustionPoint":27000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":25000000,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":25000000},{"line":null,"role":"excess","limit":25000000,"carrier":"Indemnity Insurance Company of North America","inTower":true,"premium":null,"sources":{"limit":{"page":265,"quote":"Item 3. Limit of Liability: a) USD $ 25000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":265,"quote":"Issuing Company: Indemnity Insurance Company of North America","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":265,"quote":"Policy Number: XSM G46798673 001","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":267,"quote":"a) USD $25,000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":265,"quote":"Item 3. Limit of Liability: b) USD $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["ALL-38009","XSM-43898","XSM43896","ALL-20887A","XS-28500A","IL P 001","CC-1K11H","XSM-43899","XSC-27522A","TRIA 11D","ALL-21101","MS-208330"],"namedInsured":"The Board of Regents of the University of Texas System","policyNumber":"XSM G46798673 001","scheduledOnly":false,"attachmentPoint":27000000,"exhaustionPoint":52000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":25000000,"carrier":"Starr Indemnity & Liability Company","inTower":true,"premium":null,"sources":{"limit":{"page":280,"quote":"a) $ 25,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":280,"quote":"Starr Indemnity & Liability Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":280,"quote":"Policy No.: 1000023859","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":280,"quote":"a) $ 50,000,000 Per Occurrence\nb) $ 50,000,000 Aggregate Where Applicable\nwhich in turn is excess of any applicable limits and/or retentions as more fully set forth in the Lead Underlying Policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":280,"quote":"b) $ 25,000,000 Aggregate Where Applicable","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p280","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["MARSH XSELLENCE FORM 10/2014","EXCESS LIABILITY POLICY SCHEDULE OF UNDERLYING INSURANCE","CERTIFIED ACTS OF TERRORISM XS RETAINED WITH CAP","DISCLOSURE PURSUANT TO TERRORISM ACT","TEXAS POLLUTION AMENDATORY","TEXAS CHANGES- CANCELLATION AND NONRENEWAL","TEXAS CHANGES- POLLUTION EXCLUSION","TEXAS CHANGES","LIMITATION OF COVERAGE TO DESIGNATED PREMISES OF PROJECTS"],"namedInsured":"University of Texas ROCIP VII\nand as more fully set forth in the Lead Underlying Policy","policyNumber":"1000023859","scheduledOnly":false,"attachmentPoint":50000000,"exhaustionPoint":75000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":25000000,"carrier":"Ohio Casualty Insurance Company","inTower":true,"premium":null,"sources":{"limit":{"page":304,"quote":"a) $ 25000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"carrier":{"page":304,"quote":"Coverage is Provided In: Ohio Casualty Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyNumber":{"page":304,"quote":"Policy No.: ECO (23) 58 07 14 29","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"attachmentPoint":{"page":306,"quote":"$25,000,000 EACH OCCURRENCE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"generalAggregate":{"page":304,"quote":"b) $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","effective":"2017-08-01","formBasis":"occurrence","deductible":null,"expiration":"2023-08-01","formNumbers":["NP 73 12 01 15","CE 75 00 01 15","CE 75 10 01 15","CE 75 13 01 15","CE 75 06 01 15","CE 75 07 01 15","CE 75 05 01 15","CE 75 04 01 15"],"namedInsured":"THE UNIVERSITY OF TEXAS SYSTEM","policyNumber":"ECO (23) 58 07 14 29","scheduledOnly":false,"attachmentPoint":75000000,"exhaustionPoint":100000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null}],"totalLimit":100000000,"towerIssues":[{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 47-XSF-304056-01 names GLO 4353409-00, which was not provided.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p198","scheduled-0"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 47-XSF-304056-01 names WC0183286, which was not provided.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p198","scheduled-1"]},{"kind":"underlying-number-mismatch","amount":null,"detail":"The schedule on 1000023859 names GLO0183287, and a policy numbered GLO 0183287-00 was provided. One reads as the other with an affix attached or a character misread in scanning, and they share the same each-occurrence limit. Confirm they are the same policy before the tower is relied on.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","ut-system-rocip-program_multi-carrier_2017-2023"],"providedNumber":"GLO 0183287-00","scheduledNumber":"GLO0183287"},{"kind":"underlying-number-mismatch","amount":null,"detail":"The schedule on 1000023859 names G46798673 001, and a policy numbered XSM G46798673 001 was provided. One reads as the other with an affix attached or a character misread in scanning, and they share the same each-occurrence limit. Confirm they are the same policy before the tower is relied on.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","ut-system-rocip-program_multi-carrier_2017-2023#p265"],"providedNumber":"XSM G46798673 001","scheduledNumber":"G46798673 001"},{"kind":"underlying-number-mismatch","amount":null,"detail":"The schedule on 1000023859 names GL00183287, and a policy numbered GLO 0183287-00 was provided. One reads as the other with an affix attached or a character misread in scanning, and they share the same each-occurrence limit. Confirm they are the same policy before the tower is relied on.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","ut-system-rocip-program_multi-carrier_2017-2023"],"providedNumber":"GLO 0183287-00","scheduledNumber":"GL00183287"},{"kind":"attachment-chained","amount":2000000,"detail":"XSM G46798673 001 is placed at 27,000,000, where 47-XSF-304056-01 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p198","ut-system-rocip-program_multi-carrier_2017-2023#p265"]},{"kind":"attachment-chained","amount":25000000,"detail":"ECO (23) 58 07 14 29 is placed at 75,000,000, where 1000023859 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p280","ut-system-rocip-program_multi-carrier_2017-2023#p304"]},{"kind":"attachment-overlap","amount":2000000,"detail":"1000023859 attaches below the point at which the coverage beneath it exhausts. The overlapping band is paid for twice.","layerPolicyIds":["ut-system-rocip-program_multi-carrier_2017-2023#p265","ut-system-rocip-program_multi-carrier_2017-2023#p280"]}],"restrictions":[{"label":"Bodily injury by accident must occur during the policy period","where":"base-form","source":"policy-language","citation":{"page":75,"quote":"Liability assumed under a contract. This exclusion does not apply to a warranty that your work will be done in a workmanlike manner","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"WC 00 00 00 C","alsoProvisions":["Bodily injury by disease - employee's last day of exposure must occur during policy period","Liability assumed under a contract","Punitive or exemplary damages because of bodily injury to an employee employed in violation of law","Bodily injury to an employee while employed in violation of law with actual knowledge","Any obligation imposed by workers compensation or occupational disease law","Bodily injury intentionally caused or aggravated","Bodily injury occurring outside the United States, territories, possessions, and Canada","Damages arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or termination","Bodily injury to any person in work subject to the Longshore and Harbor Workers' Compensation Act and other federal workers compensation laws","Bodily injury to any person in work subject to the Federal Employers' Liability Act","Bodily injury to a master or member of the crew of any vessel","Fines or penalties imposed for violation of federal or state law","Damages payable under the Migrant and Seasonal Agricultural Worker Protection Act"],"carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","source":"policy-language","citation":{"page":80,"quote":"The policy does not cover work conducted at or from ANY LOCATION EXCEPT THE CONFINES OF THE PROJECT SITE AS DESCRIBED BELOW","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"WC 00 0302","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":117,"quote":"The insurance does not apply: A. Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an \"insured\" under the policy is also an insured under a nuclear energy liability policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"IL 00 21","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Sanctions Exclusion","where":"endorsement","source":"policy-language","citation":{"page":105,"quote":"we shall not provide coverage nor will we make any payments or provide any service or benefit to any insured, beneficiary, or third party who may have any rights under this policy to the extent that such cover, payment, service, benefit, or any business or activity of the insured would violate any applicable trade or economic sanctions law or regulation","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GU-1191-A CW","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law","where":"endorsement","source":"policy-language","citation":{"page":126,"quote":"Recording And Distribution Of Material Or Information In Violation Of Law Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1517-B","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Silica or Silica Mixed Dust","where":"endorsement","source":"policy-language","citation":{"page":134,"quote":"Silica or Silica Mixed Dust Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-923-B","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":146,"quote":"b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG 00 01","alsoProvisions":["Contractual Liability","Liquor Liability","Workers' Compensation And Similar Laws","Employer's Liability","Pollution","Aircraft, Auto Or Watercraft","Mobile Equipment","War","Damage To Property","Damage To Your Product","Damage To Your Work","Damage To Impaired Property Or Property Not Physically Injured","Recall Of Products, Work Or Impaired Property","Personal And Advertising Injury","Electronic Data","Recording And Distribution Of Material Or Information In Violation Of Law","Knowing Violation Of Rights Of Another","Material Published With Knowledge Of Falsity","Material Published Prior To Policy Period","Criminal Acts","Breach Of Contract","Quality Or Performance Of Goods — Failure To Conform To Statements","Wrong Description Of Prices","Infringement Of Copyright, Patent, Trademark Or Trade Secret","Insureds In Media And Internet Type Businesses","Electronic Chatrooms Or Bulletin Boards","Unauthorized Use Of Another's Name Or Product","Pollution-related","Any Insured","Hired Person","Injury On Normally Occupied Premises","Athletics Activities","Products-Completed Operations Hazard","Coverage A Exclusions"],"carrierNoticedReduction":false},{"label":"Fungi or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":165,"quote":"Fungi or Bacteria Exclusion Endorsement","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1171-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Pollution","where":"endorsement","source":"policy-language","citation":{"page":162,"quote":"SUDDEN & ACCIDENTAL POLLUTION","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1114-A","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Additional Insured — Automatic — Owners, Lessees Or Contractors","where":"endorsement","source":"policy-language","citation":{"page":166,"quote":"This insurance does not apply to: \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of the rendering of, or failure to render, any professional architectural, engineering or surveying services including: a. The preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or b. Supervisory, inspection, architectural or engineering activities.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1 175-F CW","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion — Exterior Insulation and Finish Systems on Residential or Frame Buildings","where":"endorsement","source":"policy-language","citation":{"page":169,"quote":"This insurance does not apply to \"bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, caused by, or attributable, whether in whole or in part, to the following: 1. The design, manufacture, construction, fabrication, preparation, distribution and sale, installation, application, maintenance or repair, including remodeling, service, correction or replacement, of any \"exterior insulation and finish system\" or any part thereof, or any substantially similar system or any part thereof","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1 265-B CW","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":177,"quote":"This insurance does not apply to: Lead (1) \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, resulting from, caused by or related to: the actual, alleged or threatened: (a) Exposure to or existence of lead, paint containing lead, or any other material, product or substance containing lead","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1342-A CW","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":178,"quote":"This insurance does not apply to: Asbestos A. \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of or which would not have occurred, in whole or in part, but for the actual, alleged or threatened discharge, dispersal, release, leakage, leaching, friability, flaking, escape or presence of asbestos","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GC-1178-A CW","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Damage to the Project Exclusion","where":"endorsement","source":"policy-language","citation":{"page":181,"quote":"Solely with respect to any \"designated project\", exclusion j. of Paragraph 2. Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: 2. Exclusions This insurance does not apply to: j. Damage to Property \"Property damage\" to: (1) Property you own, rent, or occupy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1301-B-CW","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Project(s)","where":"endorsement","source":"policy-language","citation":{"page":182,"quote":"1. The insurance provided by this policy applies only to \"bodily injury\", \"property damage\", \"personal and advertising injury\" and medical expenses arising out of the \"designated project(s)\" shown in the SCHEDULE above.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"U-GL-1 305- A CW","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"TEXAS CHANGES","where":"endorsement","source":"policy-language","citation":{"page":188,"quote":"This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Wth regard to liability for Bodily Injury, Property Damage and Personal And Advertising Injury","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG 01 03 06 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"ELECTRONIC DATA LIABILITY","where":"endorsement","source":"policy-language","citation":{"page":189,"quote":"Loss Of Electronic Data Limit: $2,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":2000000,"formNumber":"CG 04370514","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"TOTAL POLLUTION EXCLUSION WITH A BUILDING HEATING, COOLING AND DEHUMIDIFYING EQUIPMENT EXCEPTION AND A HOSTILE FIRE EXCEPTION","where":"endorsement","source":"policy-language","citation":{"page":191,"quote":"Exclusion f. under Paragraph 2. Exclusions of Section — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: This insurance does not apply to: t. Pollution (1) \"Bodily injury' or \"property damage\" which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or es cape of \"pollutants\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG 27 65 12 04","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"EXCLUSION - CONTRACTORS — PROFESSIONAL LIABILITY","where":"endorsement","source":"policy-language","citation":{"page":192,"quote":"The following exclusion is added to Paragraph 2. Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section I — Coverage B — Personal And Advertising Injury Liability: 1. This insurance does not apply to bodily injury', \"property damage\" or \"personal and advertising injury\" arising out of the rendering of or failure to render any professional services","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG22790413","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"TEXAS CHANGES — EMPLOYMENT-RELATED PRACTICES EXCLUSION","where":"endorsement","source":"policy-language","citation":{"page":195,"quote":"A. The following exclusion is added to Paragraph 2., Exclusions of Section I — Coverage A — Bodily In jury And Property Damage Liability: This insurance does not apply to: Bodily injury' to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that persons employment; or (c) Employment-related practices, policies, acts or omissions","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023","subLimit":null,"formNumber":"CG26391207","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"VIOLATION Of COMMUNICATION OR INFORMATION LAW EXCLUSION","where":"endorsement","source":"policy-language","citation":{"page":205,"quote":"The following exclusion is added to the policy: Violation of Communication or Information Law This policy does not provide coverage for any act that violates any statute, ordinance or regulation of any federal, state or local government, including any amendment of or addition to such laws that prohibits or limits the sending, transmitting or communicating of material or information.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"CLP-UN-O1O-07/2013","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"SECURITIES EXCLUSION","where":"endorsement","source":"policy-language","citation":{"page":206,"quote":"The following exclusion is added to the policy: Securities This policy does not provide coverage for any \"bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of: 1. Any violation of any securities law or similar law or any regulation promulgated thereunder","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"CLP-UN-017-07/2013","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"ACT Of TERRORISM SELF-INSURED RETENTION ENDORSEMENT","where":"endorsement","source":"policy-language","citation":{"page":208,"quote":"The following apply with respect to any act of \"terrorism\": This policy is subject to the following additional Self-Insured Retention: Act of \"Terrorism\" Self-Insured Retention","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"CL-U N-083-01/2015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"WORKERS' COMPENSATION AND SIMILAR LAWS EXCLUSION","where":"endorsement","source":"policy-language","citation":{"page":210,"quote":"The following exclusion is added the policy: Workers' Compensation And Similar Laws This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\" caused by, resulting from, or with respect to any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"FFP-XS-013-07/2014","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure","where":"endorsement","source":"policy-language","citation":{"page":211,"quote":"Confidential or Personal Information Disclosure Exclusion This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a. unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non-public confidential or personal information in the form of \"electronic data\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"FF-X5-026-02/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":213,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Calendar Year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"CLUN-075-12/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","source":"policy-language","citation":{"page":234,"quote":"The policy does not cover work conducted at or from: Any location except the confines of the project site as described below","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p198","subLimit":null,"formNumber":"WC 0003 02","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":275,"quote":"This insurance does not apply to any loss, demand, claim or suit arising out of or related to asbestos or asbestos-containing materials.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","subLimit":null,"formNumber":"XSM43899","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap On Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":276,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","subLimit":null,"formNumber":"XSC-27522a","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Trade or Economic Sanctions Endorsement","where":"endorsement","source":"policy-language","citation":{"page":278,"quote":"This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p265","subLimit":null,"formNumber":"ALL-21101","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Texas Pollution Amendatory","where":"endorsement","source":"policy-language","citation":{"page":289,"quote":"Ultimate net loss arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p280","subLimit":null,"formNumber":"XS-369 TX","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Texas Changes — Pollution Exclusion","where":"endorsement","source":"policy-language","citation":{"page":295,"quote":"\"Ultimate Net Loss\" arising out of an actual, alleged or threatened 'pollution incident\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p280","subLimit":null,"formNumber":"XS-363 TX","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Premises or Project","where":"endorsement","source":"policy-language","citation":{"page":298,"quote":"This insurance applies only to 'Ultimate Net Loss\" arising out of: 1. The ownership, maintenance or use of the premises shown in the Schedule and operations necessary or incidental to those premises; or 2. The project shown in the Schedule.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p280","subLimit":null,"formNumber":"XS-175","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Non Following Form Coverage Restrictions","where":"endorsement","source":"policy-language","citation":{"page":310,"quote":"it is agreed that this Policy shall not provide coverage afforded by the Lead Underlying Policy for the following: Crisis Management or Crisis Response Endorsement Accident Insurance Endorsement Uninsured/Underinsured Motorists (UM/UIM) Endorsement Liberalization Clause Sublimit of liability, unless such sublimit is specifically endorsed to this Policy.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 10 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":311,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Program Year (January 1 through December 31) and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 13 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nuclear Exclusion","where":"endorsement","source":"policy-language","citation":{"page":314,"quote":"This insurance does not apply to: A. Any liability, damages, loss, injury, demand, claim or suit: 1. With respect to which an Insured under the policy is also an Insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 05 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":316,"quote":"This insurance does not apply to: Any liability, damages, loss, injury, demand, claim or suit arising out of or caused by, or allegedly caused by: 1. Asbestos, asbestos products, asbestos-containing materials or products, asbestos fibers or asbestos dust","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"policyId":"ut-system-rocip-program_multi-carrier_2017-2023#p304","subLimit":null,"formNumber":"CE 75 04 01 15","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":11,"formsWithNoRestrictionFound":39},"findings":[{"id":"finding-global.attachment-continuity","layer":"global","impact":"Does every layer attach where the layer beneath it exhausts?","ruleId":"global.attachment-continuity","degraded":true,"evidence":[{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":["expectation:47-xsf-304056-01:glo-4353409-00","expectation:47-xsf-304056-01:wc0183286","expectation:1000023859:glo0183287","expectation:1000023859:wc0183286","expectation:1000023859:g46798673-001","expectation:1000023859:gl00183287"],"statement":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","ruleVersion":"cbb148ade44b"},{"id":"finding-global.underlying-provided","layer":"global","impact":"Was every policy named in a schedule of underlying insurance provided?","ruleId":"global.underlying-provided","degraded":true,"evidence":[{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":["expectation:47-xsf-304056-01:glo-4353409-00","expectation:47-xsf-304056-01:wc0183286","expectation:1000023859:glo0183287","expectation:1000023859:wc0183286","expectation:1000023859:g46798673-001","expectation:1000023859:gl00183287"],"statement":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","ruleVersion":"7364e46f4ba1"},{"id":"finding-global.same-named-insured","layer":"global","impact":"Do all the policies name the same insured?","ruleId":"global.same-named-insured","degraded":true,"evidence":[{"page":204,"quote":"Policy #GLO 4353409-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":204,"quote":"Policy #WC0183286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":["expectation:47-xsf-304056-01:glo-4353409-00","expectation:47-xsf-304056-01:wc0183286","expectation:1000023859:glo0183287","expectation:1000023859:wc0183286","expectation:1000023859:g46798673-001","expectation:1000023859:gl00183287"],"statement":"The policies name different insureds. A tower is one entity's coverage, so stacking policies belonging to two entities produces a total nobody actually has. Confirm these belong together before the figures are relied on.","ruleVersion":"50ad19176a63"},{"id":"finding-global.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":189,"quote":"Loss Of Electronic Data Limit: $2,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}],"dependsOn":[],"statement":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures. ELECTRONIC DATA LIABILITY is capped at 2,000,000.","ruleVersion":"485c5e73f822"},{"id":"finding-global.endorsements-restrict","layer":"global","impact":"Do the attached endorsements restrict this coverage?","ruleId":"global.endorsements-restrict","degraded":false,"evidence":[],"dependsOn":[],"statement":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","ruleVersion":"86033228d3f6"}],"reviewId":"review-mt8vya1j","decisions":[],"unanswered":[{"reason":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","questionId":"global.defense-outside-limits"},{"reason":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","questionId":"global.aggregate-impairment-known"}],"observations":[{"id":"observation-tower-attachment-chained-5","evidence":[],"statement":"XSM G46798673 001 is placed at 27,000,000, where 47-XSF-304056-01 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","packetComplete":true},{"id":"observation-tower-attachment-chained-6","evidence":[],"statement":"ECO (23) 58 07 14 29 is placed at 75,000,000, where 1000023859 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","packetComplete":true},{"id":"observation-ut-system-rocip-program_multi-carrier_2017-2023-classifier","evidence":[],"statement":"ut-system-rocip-program_multi-carrier_2017-2023.pdf, from the classifier: The document is a policy packet containing multiple document types: page 1 is the Commercial General Liability Coverage Part Declarations (U-GL-D-1115-B CW) for policy GLO 0183287-00; pages 2 and onward contain numerous endorsements (Fellow Employee Coverage, Designated Project Declarations x2, Named Insured OCIP, Extended Ongoing Operations Coverage, Extended Completed Operations, Notice of Occurrence, Sudden & Accidental Pollution, Unintentional Failure to Disclose Hazards) and the base CGL coverage form (CG 00 01 04 13, pages 5-19). The document is classified as 'declarations' because the declarations page is its dominant opening character, but it contains a full policy packet. The named insured on page 1 is truncated ('THE BOARD OF REGENTS OF THE'); page 2 shows the full name as 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM'. The premium fields on the declarations page (Item 6) show '$' symbols but no dollar amounts are printed. The named insured value reflects exactly what is printed on the declarations page.","packetComplete":false},{"id":"observation-ut-system-rocip-program_multi-carrier_2017-2023-citations","evidence":[],"statement":"ut-system-rocip-program_multi-carrier_2017-2023.pdf: 91 of 105 figures were confirmed against the page they cite. The remaining 14 could not be, so they are the reader's word rather than the document's. Nothing else in this reading depends on them.","packetComplete":false},{"id":"observation-ut-system-rocip-program_multi-carrier_2017-2023-truncated","evidence":[],"statement":"ut-system-rocip-program_multi-carrier_2017-2023.pdf: pages 1 to 30 were read in full, and all 316 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":66481,"outputTokens":518,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":74202,"outputTokens":3325,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":67941,"outputTokens":5370,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":37092,"outputTokens":4738,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":56809,"outputTokens":4791,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":33616,"outputTokens":4404,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":25097,"outputTokens":1972,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":26060,"outputTokens":426,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":32402,"outputTokens":4811,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":25469,"outputTokens":3369,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":27129,"outputTokens":503,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":24532,"outputTokens":2637,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":25935,"outputTokens":2070,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4948,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"ut-system-rocip-program_multi-carrier_2017-2023","sha256":"7d530a065d173b8a51f5119c3dd7ff69dba349f2a84e471867571501fb58d5a1","filename":"ut-system-rocip-program_multi-carrier_2017-2023.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"The document is a policy packet containing multiple document types: page 1 is the Commercial General Liability Coverage Part Declarations (U-GL-D-1115-B CW) for policy GLO 0183287-00; pages 2 and onward contain numerous endorsements (Fellow Employee Coverage, Designated Project Declarations x2, Named Insured OCIP, Extended Ongoing Operations Coverage, Extended Completed Operations, Notice of Occurrence, Sudden & Accidental Pollution, Unintentional Failure to Disclose Hazards) and the base CGL coverage form (CG 00 01 04 13, pages 5-19). The document is classified as 'declarations' because the declarations page is its dominant opening character, but it contains a full policy packet. The named insured on page 1 is truncated ('THE BOARD OF REGENTS OF THE'); page 2 shows the full name as 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM'. The premium fields on the declarations page (Item 6) show '$' symbols but no dollar amounts are printed. The named insured value reflects exactly what is printed on the declarations page.","carrier":{"value":"ZURICH AMERICAN INSURANCE COMPANY","citation":{"page":1,"quote":"ZURICH AMERICAN INSURANCE COMPANY","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"pageCount":316,"confidence":"medium","namedInsured":{"value":"THE BOARD OF REGENTS OF THE","citation":{"page":1,"quote":"Named Insured THE BOARD OF REGENTS OF THE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"policyNumber":{"value":"GLO 0183287-00","citation":{"page":1,"quote":"Policy Number: GLO 0183287-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":316,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"ut-system-rocip-program_multi-carrier_2017-2023","role":"primary","term":{"effective":{"value":"2017-08-01","citation":{"page":135,"quote":"Policy Period: Coverage begins 08-01-2017 at 12:01 A.M.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":135,"quote":"Coverage ends 08-01-2023 at 12:01 A.M.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"1. This is a primary Commercial General Liability policy (OCIP — Owner Controlled Insurance Program) for the University of Texas System. It has no underlying schedule, as it is a primary policy with no attachment point. 2. The named insured on the declarations page (page 1) is truncated as 'THE BOARD OF REGENTS OF THE'; the full name 'THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM' is drawn from the endorsement header on page 2 and confirmed on subsequent endorsement pages. 3. The retroactive date field is labeled 'CG 00 02 ONLY' and states 'NONE'; the base form attached is CG 00 01 04 13 (occurrence form), so this is an occurrence-based policy and the retroactive date field is not applicable. 4. The per-project aggregate is noted as medium confidence: the Designated Project — Declarations endorsement (page 3) selects option B (Products-Completed Operations Aggregate applies separately to each designated project for projects $100,000,000 or greater), while page 4 selects option A (applies once for all designated projects under $100,000,000). The $5,000,000 figure is the same as the declarations limit; no separate higher per-project limit is printed. 5. Premium fields on page 1 show dollar signs with blank amounts ('Coverage Part Premium: $' and 'Total Premium: $'), so premium is omitted as null. 6. The forms schedule on page 1 states 'See Schedule of Forms and Endorsements' — a separate schedule of forms was not provided in the pages given; the forms identified here are those whose form numbers appear on the document pages provided. Additional forms referenced in policy language (e.g., U-GL-1313, U-GL-1305) may be attached but were not among the pages provided. 7. Defense outside limits: The standard CG 00 01 04 13 form pays supplementary payments (including defense) in addition to limits, and the insuring agreement language on page 5 states defense duty ends when the applicable limit is 'used up' in payment of 'judgments or settlements' — not defense costs — confirming defense is outside limits. 8. The deductible endorsement is referenced in the Extended Ongoing Operations Coverage endorsement text ('THE COMMERCIAL GENERAL LIABILITY DEDUCTIBLE ENDORSEMENT') but the deductible endorsement itself was not among the pages provided; no deductible amount can be extracted.","limits":{"eachOccurrence":{"value":2000000,"citation":{"page":135,"quote":"EACH OCCURRENCE LIMIT $ 2,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":135,"quote":"GENERAL AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":{"value":5000000,"citation":{"page":137,"quote":"X B. The Products-Completed Operations Aggregate Limit applies separately to each \"designated project\" for which B. is selected.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"personalAdvertisingInjury":{"value":2000000,"citation":{"page":135,"quote":"PERSONAL AND ADVERTISING INJURY LIMIT $ 2,000,000 Any one person or organization","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":5000000,"citation":{"page":135,"quote":"PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"carrier":{"value":"ZURICH AMERICAN INSURANCE COMPANY","citation":{"page":135,"quote":"ZURICH AMERICAN INSURANCE COMPANY","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"premium":null,"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["ut-system-rocip-program_multi-carrier_2017-2023"],"namedInsured":{"value":"THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM","citation":{"page":136,"quote":"THE BOARD OF REGENTS OF THE UNIVERSITY OF TEXAS SYSTEM 210 W 7TH ST AUSTIN TX 78701","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"GLO 0183287-00","citation":{"page":135,"quote":"Policy Number: GLO 0183287-00","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"restrictions":[{"label":"Bodily injury by accident must occur during the policy period","where":"base-form","citation":{"page":73,"quote":"Bodily injury by accident must occur during the policy period.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury by disease - employee's last day of exposure must occur during policy period","where":"base-form","citation":{"page":73,"quote":"The employee's last day of last exposure to the conditions causing or aggravating such bodily injury by disease must occur during the policy period.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Liability assumed under a contract","where":"base-form","citation":{"page":75,"quote":"Liability assumed under a contract. This exclusion does not apply to a warranty that your work will be done in a workmanlike manner","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Punitive or exemplary damages because of bodily injury to an employee employed in violation of law","where":"base-form","citation":{"page":75,"quote":"Punitive or exemplary damages because of bodily injury to an employee employed in violation of law","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury to an employee while employed in violation of law with actual knowledge","where":"base-form","citation":{"page":75,"quote":"Bodily injury to an employee while employed in violation of law with your actual knowledge or the actual knowledge of any of your executive officers","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Any obligation imposed by workers compensation or occupational disease law","where":"base-form","citation":{"page":75,"quote":"Any obligation imposed by a workers compensation, occupational disease, unemployment compensation, or disability benefits law, or any similar law","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury intentionally caused or aggravated","where":"base-form","citation":{"page":75,"quote":"Bodily injury intentionally caused or aggravated by you","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury occurring outside the United States, territories, possessions, and Canada","where":"base-form","citation":{"page":75,"quote":"Bodily injury occurring outside the United States of America, its territories or possessions, and Canada. This exclusion does not apply to bodily injury to a citizen or resident of the United States of America or Canada who is temporarily outside these countries","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Damages arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or termination","where":"base-form","citation":{"page":75,"quote":"Damages arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination against or termination of any employee, or any personnel practices, policies, acts or omissions","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury to any person in work subject to the Longshore and Harbor Workers' Compensation Act and other federal workers compensation laws","where":"base-form","citation":{"page":75,"quote":"Bodily injury to any person in work subject to the Longshore and Harbor Workers' Compensation Act (33 U.S.C. Sections 901 et seq.), the Nonappropriated Fund Instrumentalities Act (5 U.S.C. Sections 8171 et seq.), the Outer Continental Shelf Lands Act (43 U.S.C. Sections 1331 et seq.), the Defense Base Act (42 U.S.C. Sections 1651—1654), the Federal Mine Safety and Health Act (30 U.S.C. Sections 801 et seq. and 901—944), any other federal workers or workmen's compensation law or other federal occupational disease law, or any amendments to these laws","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury to any person in work subject to the Federal Employers' Liability Act","where":"base-form","citation":{"page":75,"quote":"Bodily injury to any person in work subject to the Federal Employers' Liability Act (45 U.S.C. Sections 51 et seq.), any other federal laws obligating an employer to pay damages to an employee due to bodily injury arising out of or in the course of employment, or any amendments to those laws","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Bodily injury to a master or member of the crew of any vessel","where":"base-form","citation":{"page":75,"quote":"Bodily injury to a master or member of the crew of any vessel, and does not cover punitive damages related to your duty or obligation to provide transportation, wages, maintenance, and cure under any applicable maritime law","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Fines or penalties imposed for violation of federal or state law","where":"base-form","citation":{"page":75,"quote":"Fines or penalties imposed for violation of federal or state law","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Damages payable under the Migrant and Seasonal Agricultural Worker Protection Act","where":"base-form","citation":{"page":75,"quote":"Damages payable under the Migrant and Seasonal Agricultural Worker Protection Act (29 U.S.C. Sections 1801 et seq.) and under any other federal law awarding damages for violation of those laws or regulations issued thereunder, and any amendments to those laws","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 00 00 C","carrierNoticedReduction":false},{"label":"Designated Workplaces Exclusion","where":"endorsement","citation":{"page":80,"quote":"The policy does not cover work conducted at or from ANY LOCATION EXCEPT THE CONFINES OF THE PROJECT SITE AS DESCRIBED BELOW","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"WC 00 0302","carrierNoticedReduction":false},{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","citation":{"page":117,"quote":"The insurance does not apply: A. Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an \"insured\" under the policy is also an insured under a nuclear energy liability policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"IL 00 21","carrierNoticedReduction":false},{"label":"Sanctions Exclusion","where":"endorsement","citation":{"page":105,"quote":"we shall not provide coverage nor will we make any payments or provide any service or benefit to any insured, beneficiary, or third party who may have any rights under this policy to the extent that such cover, payment, service, benefit, or any business or activity of the insured would violate any applicable trade or economic sanctions law or regulation","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GU-1191-A CW","carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law","where":"endorsement","citation":{"page":126,"quote":"Recording And Distribution Of Material Or Information In Violation Of Law Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1517-B","carrierNoticedReduction":false},{"label":"Silica or Silica Mixed Dust","where":"endorsement","citation":{"page":134,"quote":"Silica or Silica Mixed Dust Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-923-B","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","citation":{"page":140,"quote":"a. Expected Or Intended Injury Bodily injury or property damage\" expected or intended from the standpoint of the insured.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":140,"quote":"b. Contractual Liability \"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":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Liquor Liability","where":"base-form","citation":{"page":140,"quote":"c. Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of...","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws","where":"base-form","citation":{"page":140,"quote":"d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Employer's Liability","where":"base-form","citation":{"page":140,"quote":"e. Employer's Liability \"Bodily injury\" to: (1) An \"employee\" of the insured arising out of and in the course of...","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":140,"quote":"f. Pollution (1) \"Bodily injury' or 'property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Aircraft, Auto Or Watercraft","where":"base-form","citation":{"page":142,"quote":"g. Aircraft, Auto Or Watercraft \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, 'auto\" or watercraft","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Mobile Equipment","where":"base-form","citation":{"page":141,"quote":"h. Mobile Equipment \"Bodily injury\" or \"property damage\" arising out of: (1) The transportation of \"mobile equipment\"","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":142,"quote":"i. War \"Bodily injury\" or \"property damage\", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Damage To Property","where":"base-form","citation":{"page":141,"quote":"j. Damage To Property \"Property damage\" to: (1) Property you own, rent, or occupy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Damage To Your Product","where":"base-form","citation":{"page":142,"quote":"k. Damage To Your Product \"Property damage' to \"your product\" arising out of it or any part of it.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Damage To Your Work","where":"base-form","citation":{"page":142,"quote":"l. Damage To Your Work \"Property damage\" to \"your work\" arising out of it or any part of it and included in the \"products- completed operations hazard\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Damage To Impaired Property Or Property Not Physically Injured","where":"base-form","citation":{"page":143,"quote":"m. Damage To Impaired Property Or Property Not Physically Injured \"Property damage\" to \"impaired property\" or property that has not been physically injured","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Recall Of Products, Work Or Impaired Property","where":"base-form","citation":{"page":143,"quote":"n. Recall Of Products, Work Or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Personal And Advertising Injury","where":"base-form","citation":{"page":142,"quote":"o. Personal And Advertising Injury \"Bodily injury\" arising out of \"personal and advertising injury\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Electronic Data","where":"base-form","citation":{"page":142,"quote":"p. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law","where":"base-form","citation":{"page":142,"quote":"q. Recording And Distribution Of Material Or Information In Violation Of Law \"Bodily injury\" or \"property damage\" arising directly or indirectly out of any action or omission","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Knowing Violation Of Rights Of Another","where":"base-form","citation":{"page":144,"quote":"a. Knowing Violation Of Rights Of Another \"Personal and advertising injury\" caused by or at the direction of the insured","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Material Published With Knowledge Of Falsity","where":"base-form","citation":{"page":144,"quote":"b. Material Published With Knowledge Of Falsity \"Personal and advertising injury\" arising out of oral or written publication","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Material Published Prior To Policy Period","where":"base-form","citation":{"page":144,"quote":"c. Material Published Prior To Policy Period \"Personal and advertising injury\" arising out of oral or written publication, in any manner, of material whose first publication took place before the beginning of the policy period.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Criminal Acts","where":"base-form","citation":{"page":144,"quote":"d. Criminal Acts \"Personal and advertising injury\" arising out of a criminal act committed by or at the direction of the insured.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":144,"quote":"e. Contractual Liability \"Personal and advertising injury\" for which the insured has assumed liability in a contract or agreement.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Breach Of Contract","where":"base-form","citation":{"page":144,"quote":"f. Breach Of Contract \"Personal and advertising injury\" arising out of a breach of contract","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Quality Or Performance Of Goods — Failure To Conform To Statements","where":"base-form","citation":{"page":144,"quote":"g. 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Infringement Of Copyright, Patent, Trademark Or Trade Secret \"Personal and advertising injury\" arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Insureds In Media And Internet Type Businesses","where":"base-form","citation":{"page":145,"quote":"j. Insureds In Media And Internet Type Businesses 'Personal and advertising injury\" committed by an insured whose business is","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Electronic Chatrooms Or Bulletin Boards","where":"base-form","citation":{"page":145,"quote":"k. Electronic Chatrooms Or Bulletin Boards \"Personal and advertising injury\" arising out of an electronic chatroom or bulletin board","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Unauthorized Use Of Another's Name Or Product","where":"base-form","citation":{"page":145,"quote":"l. Unauthorized Use Of Another's Name Or Product \"Personal and advertising injury\" arising out of the unauthorized use of another's name or product","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":145,"quote":"m. Pollution \"Personal and advertising injury\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Pollution-related","where":"base-form","citation":{"page":145,"quote":"n. Pollution-related Any loss, cost or expense arising out of any","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":145,"quote":"a. War \"Personal and advertising injury\", however caused, arising, directly or indirectly, out of","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Recording And Distribution Of Material Or Information In Violation Of Law","where":"base-form","citation":{"page":144,"quote":"p. Recording And Distribution Of Material Or Information In Violation Of Law \"Personal and advertising injury\" arising directly or indirectly out of any action or omission","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Any Insured","where":"base-form","citation":{"page":145,"quote":"a. Any Insured To any insured, except 'Volunteer workers\".","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Hired Person","where":"base-form","citation":{"page":146,"quote":"b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Injury On Normally Occupied Premises","where":"base-form","citation":{"page":146,"quote":"c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws","where":"base-form","citation":{"page":146,"quote":"d. Workers' Compensation And Similar Laws To a person, whether or not an \"employee\" of any insured, if benefits for the \"bodily injury\" are payable","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Athletics Activities","where":"base-form","citation":{"page":146,"quote":"e. Athletics Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports, or athletic contests.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 00 01","carrierNoticedReduction":false},{"label":"Products-Completed Operations Hazard","where":"base-form","citation":{"page":145,"quote":"f. 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The preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or b. Supervisory, inspection, architectural or engineering activities.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1 175-F CW","carrierNoticedReduction":false},{"label":"Exclusion — Exterior Insulation and Finish Systems on Residential or Frame Buildings","where":"endorsement","citation":{"page":169,"quote":"This insurance does not apply to \"bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, caused by, or attributable, whether in whole or in part, to the following: 1. The design, manufacture, construction, fabrication, preparation, distribution and sale, installation, application, maintenance or repair, including remodeling, service, correction or replacement, of any \"exterior insulation and finish system\" or any part thereof, or any substantially similar system or any part thereof","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1 265-B CW","carrierNoticedReduction":false},{"label":"Lead Liability Exclusion","where":"endorsement","citation":{"page":177,"quote":"This insurance does not apply to: Lead (1) \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, resulting from, caused by or related to: the actual, alleged or threatened: (a) Exposure to or existence of lead, paint containing lead, or any other material, product or substance containing lead","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1342-A CW","carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","citation":{"page":178,"quote":"This insurance does not apply to: Asbestos A. \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of or which would not have occurred, in whole or in part, but for the actual, alleged or threatened discharge, dispersal, release, leakage, leaching, friability, flaking, escape or presence of asbestos","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GC-1178-A CW","carrierNoticedReduction":false},{"label":"Damage to the Project Exclusion","where":"endorsement","citation":{"page":181,"quote":"Solely with respect to any \"designated project\", exclusion j. of Paragraph 2. Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: 2. Exclusions This insurance does not apply to: j. Damage to Property \"Property damage\" to: (1) Property you own, rent, or occupy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1301-B-CW","carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Project(s)","where":"endorsement","citation":{"page":182,"quote":"1. The insurance provided by this policy applies only to \"bodily injury\", \"property damage\", \"personal and advertising injury\" and medical expenses arising out of the \"designated project(s)\" shown in the SCHEDULE above.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"U-GL-1 305- A CW","carrierNoticedReduction":false},{"label":"TEXAS CHANGES","where":"endorsement","citation":{"page":188,"quote":"This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. 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Pollution (1) \"Bodily injury' or \"property damage\" which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or es cape of \"pollutants\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG 27 65 12 04","carrierNoticedReduction":false},{"label":"EXCLUSION - CONTRACTORS — PROFESSIONAL LIABILITY","where":"endorsement","citation":{"page":192,"quote":"The following exclusion is added to Paragraph 2. Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section I — Coverage B — Personal And Advertising Injury Liability: 1. This insurance does not apply to bodily injury', \"property damage\" or \"personal and advertising injury\" arising out of the rendering of or failure to render any professional services","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG22790413","carrierNoticedReduction":false},{"label":"TEXAS CHANGES — EMPLOYMENT-RELATED PRACTICES EXCLUSION","where":"endorsement","citation":{"page":195,"quote":"A. The following exclusion is added to Paragraph 2., Exclusions of Section I — Coverage A — Bodily In jury And Property Damage Liability: This insurance does not apply to: Bodily injury' to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that persons employment; or (c) Employment-related practices, policies, acts or omissions","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CG26391207","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Commercial General Liability Coverage Part Declarations","citation":{"page":135,"quote":"COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"9/04","citation":{"page":135,"quote":"U-GL-D-1 115-B CW (9/04)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-D-1115-B CW","citation":{"page":135,"quote":"U-GL-D-1 115-B CW (9/04)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Fellow Employee Coverage — Designated Employees/Positions","citation":{"page":136,"quote":"Fellow Employee Coverage — Designated Employees/ Positions","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"09/08","citation":{"page":136,"quote":"U-GL-1364-A CW (09/08)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1364-A CW","citation":{"page":136,"quote":"U-GL-1364-A CW (09/08)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Designated Project — Declarations","citation":{"page":137,"quote":"Designated Project – Declarations","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"01/13","citation":{"page":137,"quote":"U-GL-D-1 306-B CW (01/1 3)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-D-1306-B CW","citation":{"page":137,"quote":"U-GL-D-1 306-B CW (01/1 3)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Designated Project — Declarations (Projects Under $100,000,000)","citation":{"page":138,"quote":"Designated Project – Declarations","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"01/13","citation":{"page":138,"quote":"U-GL-D-1 306-B CW (01/13)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-D-1306-B CW","citation":{"page":138,"quote":"U-GL-D-1 306-B CW (01/13)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Commercial General Liability Coverage Form","citation":{"page":139,"quote":"COMMERCIAL GENERAL LIABILITY COVERAGE FORM","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"04 13","citation":{"page":139,"quote":"CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 16","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"CG 00 01 04 13","citation":{"page":139,"quote":"CG 00 01 04 13","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Named Insured — OCIP","citation":{"page":154,"quote":"NAMED INSURED — OCIP","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"10/02","citation":{"page":154,"quote":"U-GL-1114-A CW (10/ 02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1114-A CW","citation":{"page":154,"quote":"U-GL-1114-A CW (10/ 02)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Unintentional Failure to Disclose Hazards","citation":{"page":164,"quote":"Unintentional Failure to Disclose Hazards","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"12/01","citation":{"page":164,"quote":"U-GL-1054-A CW (12/01)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"U-GL-1054-A CW","citation":{"page":164,"quote":"U-GL-1054-A CW (12/01)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}],"attachmentPoint":null,"retroactiveDate":{"value":"NONE","citation":{"page":135,"quote":"Item 3. Retroactive Date (CG 00 02 ONLY) This insurance does not apply to \"bodily injury\", \"property damage\" or \"personal and advertising injury\" offense which occurs before the Retroactive Date, if any, shown here: NONE","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"underlyingSchedule":[],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":139,"quote":"Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":105,"failures":[{"page":154,"path":"formsSchedule.5.formNumber.citation","quote":"U-GL-1114-A CW (10/ 02)","status":"found-on-other-page"},{"page":154,"path":"formsSchedule.5.edition.citation","quote":"U-GL-1114-A CW (10/ 02)","status":"found-on-other-page"},{"page":140,"path":"restrictions.24.citation","quote":"f. Pollution (1) \"Bodily injury' or 'property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","status":"found-on-other-page"},{"page":141,"path":"restrictions.26.citation","quote":"h. Mobile Equipment \"Bodily injury\" or \"property damage\" arising out of: (1) The transportation of \"mobile equipment\"","status":"found-on-other-page"},{"page":141,"path":"restrictions.28.citation","quote":"j. Damage To Property \"Property damage\" to: (1) Property you own, rent, or occupy","status":"found-on-other-page"},{"page":142,"path":"restrictions.29.citation","quote":"k. Damage To Your Product \"Property damage' to \"your product\" arising out of it or any part of it.","status":"found-on-other-page"},{"page":142,"path":"restrictions.30.citation","quote":"l. Damage To Your Work \"Property damage\" to \"your work\" arising out of it or any part of it and included in the \"products- completed operations hazard\".","status":"found-on-other-page"},{"page":142,"path":"restrictions.33.citation","quote":"o. Personal And Advertising Injury \"Bodily injury\" arising out of \"personal and advertising injury\".","status":"found-on-other-page"},{"page":142,"path":"restrictions.34.citation","quote":"p. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","status":"found-on-other-page"},{"page":142,"path":"restrictions.35.citation","quote":"q. Recording And Distribution Of Material Or Information In Violation Of Law \"Bodily injury\" or \"property damage\" arising directly or indirectly out of any action or omission","status":"found-on-other-page"},{"page":144,"path":"restrictions.51.citation","quote":"p. Recording And Distribution Of Material Or Information In Violation Of Law \"Personal and advertising injury\" arising directly or indirectly out of any action or omission","status":"found-on-other-page"},{"page":145,"path":"restrictions.52.citation","quote":"a. Any Insured To any insured, except 'Volunteer workers\".","status":"found-on-other-page"},{"page":145,"path":"restrictions.57.citation","quote":"f. Products-Completed Operations Hazard Included within the \"products-completed operations hazard\".","status":"found-on-other-page"},{"page":145,"path":"restrictions.58.citation","quote":"g. Coverage A Exclusions Excluded under Coverage A.","status":"found-on-other-page"}],"notFound":0,"verified":91,"verifiedExact":85,"pageUnreadable":0,"foundOnOtherPage":14},"additionalPolicies":[{"id":"ut-system-rocip-program_multi-carrier_2017-2023#p198","role":"excess","term":{"effective":{"value":"2017-08-01","citation":{"page":198,"quote":"From: 08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":198,"quote":"From: 08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"1. Policy is titled 'Follow Form Excess Liability' and follows the form of the Zurich American GL policy GLO 4353409-00. The role is excess. 2. The attachment point field is populated with the General Liability per-occurrence underlying limit ($2,000,000 Per Occurrence) as the most direct measure of the retained limit for the GL tower; the full retained limit also includes the Employer's Liability limits. The 'retained limit' is defined in Section V as 'the total applicable limits of all underlying policies,' so the actual attachment point aggregates both underlying policies—this cannot be computed and is left to downstream processing. 3. The Limits of Insurance Construction Modification endorsement (Manuscript, page 19) replaces Item 3 of the Declarations and establishes a per-project products-completed operations aggregate of $25,000,000 (during policy period) and $25,000,000 (extension period) for projects with construction value exceeding $100,000,000, and a single total products-completed operations aggregate of $25,000,000 for projects with construction value of $100,000,000 or less, subject to a Policy Aggregate Products-Completed Operations Maximum Limit of $125,000,000 (page 20). The perProjectAggregate field reflects the $25,000,000 per-project figure. 4. Premium fields are blank on the declarations page (Item 5 lists Total Advance, Total Minimum, Minimum Earned, and Terrorism Premium with no figures printed). Premium is null. 5. The Schedule of Underlying (page 7) lists the General Liability policy under 'FOLLOWED POLICY' and the Employer's Liability under 'UNDERLYING POLICY.' Both are transcribed. The GL schedule notes 'Deductible' with no amount printed. 6. The Employer's Liability limits are $1,000,000 Each Employee / $1,000,000 Each Accident / $1,000,000 Policy Limit; eachOccurrence for that row is mapped to Each Accident per schedule instructions. 7. Defense inside limits: the policy form states defense costs operate identically to the followed policy. The Schedule of Underlying shows 'Defense Treatment: Outside the Limit' for both underlying policies, so defense is outside the limit for this excess policy as well. 8. The Act of Terrorism Self-Insured Retention Endorsement (CL-UN-083-01/2015, page 11) references an 'Act of Terrorism Self-Insured Retention: $' with a blank dollar amount—no figure is printed. 9. The binder pages (pages 23–30) are the Zurich underlying policy binder and are not part of the Berkshire Hathaway excess policy itself; they are included as the attachment referenced in endorsement FF-XS-005-07/2014.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":198,"quote":"A. Per Occurrence $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":198,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":{"value":25000000,"citation":{"page":216,"quote":"Per Project Products-Completed Operations Aggregate Limit of Insurance (Applicable to Each Construction Project With Construction Value In Excess of $100,000,000): a. $25,000,000 (During the Policy Period); and b. $25,000,000 (Products Completed Operations Extension Period)","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":{"value":25000000,"citation":{"page":198,"quote":"C. Products-Completed Ope rations Aggregate $25,000,000 Policy) Limit:","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"carrier":{"value":"Berkshire Hathaway Specialty Insurance Company","citation":{"page":198,"quote":"Berkshire Hathaway Specialty Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"premium":null,"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["ut-system-rocip-program_multi-carrier_2017-2023"],"namedInsured":{"value":"The University Of Texas System","citation":{"page":198,"quote":"The University Of Texas System","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"47-XSF-304056-01","citation":{"page":198,"quote":"Policy No.: 47-XSF-304056-O1","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"restrictions":[{"label":"VIOLATION Of COMMUNICATION OR INFORMATION LAW EXCLUSION","where":"endorsement","citation":{"page":205,"quote":"The following exclusion is added to the policy: Violation of Communication or Information Law This policy does not provide coverage for any act that violates any statute, ordinance or regulation of any federal, state or local government, including any amendment of or addition to such laws that prohibits or limits the sending, transmitting or communicating of material or information.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CLP-UN-O1O-07/2013","carrierNoticedReduction":false},{"label":"SECURITIES EXCLUSION","where":"endorsement","citation":{"page":206,"quote":"The following exclusion is added to the policy: Securities This policy does not provide coverage for any \"bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of: 1. Any violation of any securities law or similar law or any regulation promulgated thereunder","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CLP-UN-017-07/2013","carrierNoticedReduction":false},{"label":"ACT Of TERRORISM SELF-INSURED RETENTION ENDORSEMENT","where":"endorsement","citation":{"page":208,"quote":"The following apply with respect to any act of \"terrorism\": This policy is subject to the following additional Self-Insured Retention: Act of \"Terrorism\" Self-Insured Retention","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CL-U N-083-01/2015","carrierNoticedReduction":false},{"label":"WORKERS' COMPENSATION AND SIMILAR LAWS EXCLUSION","where":"endorsement","citation":{"page":210,"quote":"The following exclusion is added the policy: Workers' Compensation And Similar Laws This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\" caused by, resulting from, or with respect to any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"FFP-XS-013-07/2014","carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure","where":"endorsement","citation":{"page":211,"quote":"Confidential or Personal Information Disclosure Exclusion This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a. unauthorized or improper access to, collection, use or disclosure of, or failure to protect any 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Policy Period: From: 08/01/2017 to 08/01/2023 both days at 12:01 a.m.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":265,"quote":"Item 5. Policy Period: From: 08/01/2017 to 08/01/2023 both days at 12:01 a.m.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"1. The policy is a Following Form Excess Liability Policy issued by Indemnity Insurance Company of North America (Chubb). 2. The Schedule of Underlying Insurance (page 3, form XSM-43898) lists only one underlying policy: Berkshire Hathaway Specialty Insurance policy 47-XSF-304056-01. The schedule also prints a Products/Completed Ops Aggregate of USD $25,000,000 for the underlying policy (page 3: 'c) USD $25,000,000 Products/Completed Ops Aggregate'), but the declarations page (Item 3) for this excess policy prints only Each Occurrence and Aggregate limits—no separate Products/Completed Ops Aggregate is printed for this excess policy itself. 3. Defense inside limits is unknown because this policy follows the form of the Lead Underlying Policy, and the underlying policy was not provided. The policy states defense costs operate 'in an identical manner to the Lead Underlying Policy' without itself specifying inside or outside. 4. The drop-down language cited addresses specifically the Item 2(b) underlying policies (excess of the lead umbrella), which are listed as N/A. The policy does continue in force as lead underlying insurance upon exhaustion of underlying (page 5: 'in the event of exhaustion, continue in force as Lead Underlying Insurance'), but this is exhaustion-triggered continuation, not a true drop-down on impairment. The 'no' verdict for dropsDownOnUnderlyingExhaustion is based on the explicit no-drop-down language for excluded/limited coverage. 5. Premium fields on page 2 are blank (USD $ ___ printed with dashes, not legible figures); premium is null. 6. The form number on endorsement 001 appears as 'CC-i Kllh' in the text extraction but is rendered as 'CC-1K11h' on page 10 (the actual endorsement); the page 10 rendering is used as the authoritative form number. 7. TRIA form number appears as 'TRIA lid' in the schedule text but is printed as 'TRIA11d' on the endorsement (page 13); medium confidence on the schedule rendering. 8. The underlying schedule does not include any coverage type label beyond 'Lead Underlying Policy Limits' as a heading; no line-of-business column is printed.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":265,"quote":"Item 3. Limit of Liability: a) USD $ 25000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":265,"quote":"Item 3. 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Underlying Limits: a) USD $ 25,000,000 Each Occurrence (Insuring Agreement 2.) b) USD $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"Berkshire Hathaway Specialty Insurance","citation":{"page":267,"quote":"Carrier: Berkshire Hathaway Specialty Insurance","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"coverage":{"value":"Lead Underlying Policy","citation":{"page":267,"quote":"Lead Underlying Policy Limits","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"effective":{"value":"2017-08-01","citation":{"page":267,"quote":"Policy Period: 08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":267,"quote":"Policy Period: 08/01/2017 to 08/01/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"47-XSF-304056-01","citation":{"page":267,"quote":"Policy# 47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"eachOccurrence":{"value":25000000,"citation":{"page":267,"quote":"a) USD $25,000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":267,"quote":"b) USD $25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":{"page":269,"quote":"Defense costs and expenses shall operate in an identical manner to the Lead Underlying Policy as respects whether defense costs and expenses are included within the limits of liability or are in addition to the limits of liability.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"dropsDownOnUnderlyingExhaustion":"no","dropsDownOnUnderlyingExhaustionSource":{"page":268,"quote":"It is, however, specifically agreed that if any of the Underlying Policy/ies stated in Item 2. b) of the Declarations exclude or limit any part of the coverage provided by the Lead Underlying Policy stated in Item 2. a) of the Declarations, then this Policy shall not drop down to apply in the place of such excluded or limited coverage and the Insured shall be considered as a self insurer to the extent that there is no other available insurance to cover the deficit.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},{"id":"ut-system-rocip-program_multi-carrier_2017-2023#p280","role":"excess","term":{"effective":{"value":"2017-08-01","citation":{"page":280,"quote":"From: August 1, 2017 to August 1, 2023 both days at 12:01 am. Standard Time at the address of the Named Insured.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":280,"quote":"From: August 1, 2017 to August 1, 2023 both days at 12:01 am. Standard Time at the address of the Named Insured.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"1. The policy is titled 'Following Form Excess Liability Policy' and is issued on Marsh XSellence Form 10/2014 (Occ), confirming occurrence basis and follow-form excess role.\n2. The attachment point of $50,000,000 per occurrence and aggregate is stated in Item 4 (Underlying Limits). This is the amount that must be exhausted before this policy responds. The policy then provides $25,000,000 per occurrence / $25,000,000 aggregate in excess of that.\n3. Defense inside limits is unknown at this policy level: the policy states defense costs follow the Lead Underlying Policy, so the answer depends on language in that policy which was not provided.\n4. The drops-down answer is yes: on exhaustion the policy 'continue[s] in force as Lead Underlying Insurance.' However, Item 3 of the Insuring Agreement also specifically states it shall NOT drop down if any of the Other Underlying Policies (Item 2.b) exclude or limit coverage — the insured is treated as self-insurer for that gap.\n5. The schedule of underlying insurance on page 5 lists policy periods as '08/01/2017 to 08/31/2023' which likely contains a typo (should be 08/01/2023 per the declarations). Confidence on those expiration dates is marked medium.\n6. The WC/EL row limits are structured as Bodily Injury By Accident (each occurrence), Bodily Injury By Disease (policy limit), and Bodily Injury By Disease (each employee) — all at $1,000,000. The eachOccurrence field captures the per-accident figure only.\n7. Premium: Item 7 lists 'Premium, Minimum Premium, Minimum Premium Earned' but no dollar amounts are printed on the pages provided. Premium is omitted as null.\n8. The forms schedule on page 2 lists endorsements by title only; no separate form numbers with edition dates are provided in the Item 8 list itself (form numbers appear on the endorsement pages). The endorsements found in the document include XSM-343 (01/16), XSM-344 (01/2015), XS-369 TX (05/09), XS-301 TX (10/08), XS-363 TX (03/09), XS-331 TX (10/08), XS-175 (10/08), and XS 102 (10-08) — these appear in the body of the document but are not listed with form numbers in the Item 8 schedule. The forms schedule above captures Item 8 as printed.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":280,"quote":"a) $ 25,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":280,"quote":"b) $ 25,000,000 Aggregate Where Applicable","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"Starr Indemnity & Liability Company","citation":{"page":280,"quote":"Starr Indemnity & Liability Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"premium":null,"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["ut-system-rocip-program_multi-carrier_2017-2023"],"namedInsured":{"value":"University of Texas ROCIP VII\nand as more fully set forth in the Lead Underlying Policy","citation":{"page":280,"quote":"University of Texas ROCIP VII\nand as more fully set forth in the Lead Underlying Policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"1000023859","citation":{"page":280,"quote":"Policy No.: 1000023859","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"restrictions":[{"label":"Texas Pollution Amendatory","where":"endorsement","citation":{"page":289,"quote":"Ultimate net loss arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"XS-369 TX","carrierNoticedReduction":false},{"label":"Texas Changes — Pollution Exclusion","where":"endorsement","citation":{"page":295,"quote":"\"Ultimate Net Loss\" arising out of an actual, alleged or threatened 'pollution incident\" at any time.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"XS-363 TX","carrierNoticedReduction":false},{"label":"Limitation of Coverage to Designated Premises or Project","where":"endorsement","citation":{"page":298,"quote":"This insurance applies only to 'Ultimate Net Loss\" arising out of: 1. The ownership, maintenance or use of the premises shown in the Schedule and operations necessary or incidental to those premises; or 2. The project shown in the Schedule.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"XS-175","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Marsh XSellence Form 10/2014","citation":{"page":281,"quote":"Marsh XSellence Form 10/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":{"value":"10/2014","citation":{"page":281,"quote":"Marsh XSellence Form 10/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"formNumber":{"value":"Marsh XSellence Form 10/2014","citation":{"page":281,"quote":"Marsh XSellence Form 10/2014","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Excess Liability Policy Schedule of Underlying Insurance","citation":{"page":281,"quote":"Excess Liability Policy Schedule of Underlying Insurance","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Excess Liability Policy Schedule of Underlying Insurance","citation":{"page":281,"quote":"Excess Liability Policy Schedule of Underlying Insurance","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Certified Acts of Terrorism XS Retained with Cap","citation":{"page":281,"quote":"Certified Acts of Terrorism XS Retained with Cap","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Certified Acts of Terrorism XS Retained with Cap","citation":{"page":281,"quote":"Certified Acts of Terrorism XS Retained with Cap","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Disclosure Pursuant to Terrorism Act","citation":{"page":281,"quote":"Disclosure Pursuant to Terrorism Act","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Disclosure Pursuant to Terrorism Act","citation":{"page":281,"quote":"Disclosure Pursuant to Terrorism Act","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Texas Pollution Amendatory","citation":{"page":281,"quote":"Texas Pollution Amendatory","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Texas Pollution Amendatory","citation":{"page":281,"quote":"Texas Pollution Amendatory","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Texas Changes- Cancellation and Nonrenewal","citation":{"page":281,"quote":"Texas Changes- Cancellation and Nonrenewal","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Texas Changes- Cancellation and Nonrenewal","citation":{"page":281,"quote":"Texas Changes- Cancellation and Nonrenewal","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Texas Changes- Pollution Exclusion","citation":{"page":281,"quote":"Texas Changes- Pollution Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Texas Changes- Pollution Exclusion","citation":{"page":281,"quote":"Texas Changes- Pollution Exclusion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Texas Changes","citation":{"page":281,"quote":"Texas Changes","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Texas Changes","citation":{"page":281,"quote":"Texas Changes","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"title":{"value":"Limitation of Coverage to Designated Premises of Projects","citation":{"page":281,"quote":"Limitation of Coverage to Designated Premises of Projects","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"edition":null,"formNumber":{"value":"Limitation of Coverage to Designated Premises of Projects","citation":{"page":281,"quote":"Limitation of Coverage to Designated Premises of Projects","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}],"attachmentPoint":{"value":50000000,"citation":{"page":280,"quote":"a) $ 50,000,000 Per Occurrence\nb) $ 50,000,000 Aggregate Where Applicable\nwhich in turn is excess of any applicable limits and/or retentions as more fully set forth in the Lead Underlying Policy","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"Berkshire Hathaway Insurance Company","citation":{"page":284,"quote":"Carrier: Berkshire Hathaway Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"coverage":{"value":"Excess Liability","citation":{"page":284,"quote":"Coverage: Excess Liability","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"effective":{"value":"2017-08-01","citation":{"page":284,"quote":"Policy Period: 08/01/2017 to 08/31/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"expiration":{"value":"2023-08-31","citation":{"page":284,"quote":"Policy Period: 08/01/2017 to 08/31/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"policyNumber":{"value":"47-XSF-304056-01","citation":{"page":284,"quote":"Policy No.: 47-XSF-304056-01","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"eachOccurrence":{"value":25000000,"citation":{"page":284,"quote":"$25,000,000 Per Occurence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":284,"quote":"$25,000,000 Aggregate Where Applicable","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"carrier":{"value":"Zurich America","citation":{"page":284,"quote":"Carrier: Zurich America","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"coverage":{"value":"General Liability","citation":{"page":284,"quote":"Coverage: General Liability","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"effective":{"value":"2017-08-01","citation":{"page":284,"quote":"Policy Period: 08/01/2017 to 08/31/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"expiration":{"value":"2023-08-31","citation":{"page":284,"quote":"Policy Period: 08/01/2017 to 08/31/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"policyNumber":{"value":"GLO0183287","citation":{"page":284,"quote":"Policy No.: GLOOJ 83287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"eachOccurrence":{"value":2000000,"citation":{"page":284,"quote":"$2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":284,"quote":"$5,000,000 General Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"carrier":{"value":"Zurich America","citation":{"page":284,"quote":"Carrier: Zurich America","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"coverage":{"value":"WC/EL","citation":{"page":284,"quote":"Coverage: WC/EL","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"effective":{"value":"2017-08-01","citation":{"page":284,"quote":"Policy Period: 08/01/2017 to 08/31/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"expiration":{"value":"2023-08-31","citation":{"page":284,"quote":"Policy Period: 08/01/2017 to 08/31/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"policyNumber":{"value":"WC0183286","citation":{"page":284,"quote":"Policy No.: WCO1 83286","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"eachOccurrence":{"value":1000000,"citation":{"page":284,"quote":"$1,000,000 Bodily Injury By Accident- Each Occurence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":null},{"carrier":{"value":"Indeminity Insurance Company of North America","citation":{"page":284,"quote":"Carrier: Indeminity Insurance Company of North America","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"coverage":{"value":"Excess Liability","citation":{"page":284,"quote":"Coverage: Excess Liability","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"effective":{"value":"2017-08-01","citation":{"page":284,"quote":"Policy Period: 08/01/2017 to 08/31/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"expiration":{"value":"2023-08-31","citation":{"page":284,"quote":"Policy Period: 08/01/2017 to 08/31/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"medium"},"policyNumber":{"value":"G46798673 001","citation":{"page":284,"quote":"Policy No.: G46798673 001","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"eachOccurrence":{"value":25000000,"citation":{"page":284,"quote":"$25,000,000 Per Occurence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":284,"quote":"$25,000,000 Aggregate Where Applicable","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},{"carrier":{"value":"Zurich America","citation":{"page":284,"quote":"Carrier: Zurich America","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"coverage":{"value":"General Liability","citation":{"page":284,"quote":"Coverage: General Liability","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"effective":{"value":"2017-08-01","citation":{"page":284,"quote":"Policy Period: 08/01/2017 to 08/31/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-31","citation":{"page":284,"quote":"Policy Period: 08/01/2017 to 08/31/2023","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"GL00183287","citation":{"page":284,"quote":"Policy No.: GL00183287","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":284,"quote":"$2,000,000 Per Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":284,"quote":"$5,000,000 General Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":{"page":282,"quote":"Defense costs and expenses shall operate in an identical manner to the Lead Underlying Policy as respects whether defense costs and expenses are included within the limits of liability or are in addition to the limits of liability.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"dropsDownOnUnderlyingExhaustion":"yes","dropsDownOnUnderlyingExhaustionSource":{"page":282,"quote":"In the event of reduction or exhaustion of the applicable aggregate Underlying Limits by reason of sums paid thereunder as damages, whether by an Underlying Insurer or the Insured, then this Policy, subject to its terms, definitions, exclusions and conditions shall:- 1. in the event of reduction, pay in excess of such reduced Underlying Limits; 2. in the event of exhaustion, continue in force as Lead Underlying Insurance.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"}},{"id":"ut-system-rocip-program_multi-carrier_2017-2023#p304","role":"excess","term":{"effective":{"value":"2017-08-01","citation":{"page":304,"quote":"From: 08/01/2017 to 08/01/2023 both days at 12:01 a.m.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"expiration":{"value":"2023-08-01","citation":{"page":304,"quote":"From: 08/01/2017 to 08/01/2023 both days at 12:01 a.m.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"}},"notes":"This is a Following Form Excess Liability Policy issued by Ohio Casualty Insurance Company (a Liberty Mutual entity). The policy is a quota share arrangement: Ohio Casualty writes $25,000,000 (50% of a $50,000,000 layer), with Starr Indemnity & Liability Company writing the other $25,000,000 of the same layer per endorsement CE 75 06 01 15. The defense inside limits question cannot be answered from this policy alone because the policy expressly follows the Lead Underlying Policy (Berkshire Hathaway 47-XSF-304056-01) on that point, and the Lead Underlying Policy was not provided. The premium amount is blank on the declarations page (field left with '$' and no figure printed). The general aggregate of $25,000,000 is printed as 'Aggregate' in Item 3 of the declarations; the policy does not separately label it as 'general aggregate' versus products aggregate at the policy level, though the lead underlying schedule shows a separate products-completed operations aggregate for the Berkshire layer. The attachment point of $50,000,000 each occurrence / $50,000,000 aggregate is the underlying limit stated in Item 4. The Indemnity Insurance Company of North America row (XSM G46798673 001) shows limits of $25,000,000 each occurrence / $25,000,000 aggregate excess of $25,000,000 each occurrence / $25,000,000 aggregate, indicating it sits above the Berkshire lead umbrella.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":304,"quote":"a) $ 25000,000 Each Occurrence","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":304,"quote":"b) $ 25,000,000 Aggregate","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"Ohio Casualty Insurance Company","citation":{"page":304,"quote":"Coverage is Provided In: Ohio Casualty Insurance Company","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"premium":null,"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["ut-system-rocip-program_multi-carrier_2017-2023"],"namedInsured":{"value":"THE UNIVERSITY OF TEXAS SYSTEM","citation":{"page":304,"quote":"Named Insured: THE UNIVERSITY OF TEXAS SYSTEM","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"policyNumber":{"value":"ECO (23) 58 07 14 29","citation":{"page":304,"quote":"Policy No.: ECO (23) 58 07 14 29","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"confidence":"high"},"restrictions":[{"label":"Non Following Form Coverage Restrictions","where":"endorsement","citation":{"page":310,"quote":"it is agreed that this Policy shall not provide coverage afforded by the Lead Underlying Policy for the following: Crisis Management or Crisis Response Endorsement Accident Insurance Endorsement Uninsured/Underinsured Motorists (UM/UIM) Endorsement Liberalization Clause Sublimit of liability, unless such sublimit is specifically endorsed to this Policy.","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CE 75 10 01 15","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":311,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Program Year (January 1 through December 31) and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CE 75 13 01 15","carrierNoticedReduction":false},{"label":"Nuclear Exclusion","where":"endorsement","citation":{"page":314,"quote":"This insurance does not apply to: A. Any liability, damages, loss, injury, demand, claim or suit: 1. With respect to which an Insured under the policy is also an Insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors","documentId":"ut-system-rocip-program_multi-carrier_2017-2023"},"subLimit":null,"formNumber":"CE 75 05 01 15","carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","citation":{"page":316,"quote":"This insurance does not apply to: Any liability, damages, loss, injury, demand, claim or suit arising out of or caused by, or allegedly caused by: 1. 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