{"id":"review-mt8vzp3k","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","pagesSwept":299,"pagesTotal":329,"pagesInFull":30},{"documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534","pagesSwept":54,"pagesTotal":84,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted."],"unsatisfied":[],"expectations":[{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"id":"expectation:phub902534-013:phpk2661220-013","what":"Underlying policy PHPK2661220-013 scheduled by PHUB902534-013","basis":"cited","source":{"page":3,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"satisfiedByDocumentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"documentsRead":["vva-gl-package_philadelphia-indemnity_PHPK2661220","vva-umbrella_philadelphia-indemnity_PHUB902534"]},"answers":[{"state":"pass","message":"The tower is continuous. Each layer begins paying where the one beneath it is exhausted.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"pass","message":"Every policy named in an underlying schedule is present in the document set.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"pass","message":"Every policy in the document set names the same insured.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"pass","message":"All layers run concurrently, so the tower is the same on every day of the term.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"cannot-determine","message":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"fail","message":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"fail","message":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"line":null,"role":"primary","limit":1000000,"carrier":"Philadelphia Indemnity Insurance Company","inTower":true,"premium":89360,"sources":{"limit":{"page":15,"quote":"$ 1,000,000 Each Occurrence Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"carrier":{"page":1,"quote":"Philadelphia Indemnity Insurance Company\nA Stock Company (Nonparticipating)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"premium":{"page":15,"quote":"TOTAL PREMIUM FOR THIS COVERAGE PART: $ 89,360.00","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyNumber":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"generalAggregate":{"page":15,"quote":"$ 3,000,000 General Aggregate Limit (Other Than Products – Completed Operations)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"productsCompletedOpsAggregate":{"page":15,"quote":"$ 3,000,000 Products/Completed Operations Aggregate Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","effective":"2025-03-01","formBasis":"occurrence","deductible":null,"expiration":"2026-03-01","formNumbers":["BJP-190-1","IL N 143","IL N 177","PI-FEES-NOTICE 1","PI-NOTICE-MD-CLM 1","PP2020","CPD-PIIC-CW","PI-LOC-SCH","PI-AI-SCH","PI-FEE-SCH","PI-BELL-1","PI-CME-1","PI-MANU-1","IL0017","IL0021","IL0102","IL0104","IL0110","IL0115","IL0207","IL0251","IL0270","IL0952","PI-ACL-001","PI-ARB-1 NV","PI-CANXAICH-002","PI-CLD-CU NV","PI-HS-029","PI-PROF-002","PI-PROF-003","PI-SAM-018","PI-TER-DN1","GEN LIAB DEC","GEN LIAB SCHEDULE","CG0001","CG0201","CG2002","CG2005","CG2011","CG2026","CG2106","CG2132","CG2147","CG2151","CG2167","CG2170","CG2402","CG2404","CG2673","CG3234","PI-GL-001","PI-GL-001","PI-GL-002","PI-GL-002","PI-GL-002 CA","PI-GL-005","PI-GL-042","PI-GLD-HS","PI-HS-005","PI-MANU-1","PI-SAM-006","PI-SE-001"],"namedInsured":"Vietnam Veterans of America Inc Chapters and State Councils","policyNumber":"PHPK2661220-013","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":"NONE","aggregateErosion":null,"generalAggregate":3000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":1000000,"productsCompletedOpsAggregate":3000000},{"line":null,"role":"umbrella","limit":5000000,"carrier":"Philadelphia Indemnity Insurance Company","inTower":true,"premium":49307,"sources":{"limit":{"page":1,"quote":"EACH OCCURRENCE LIMIT (LIABILITY COVERAGE) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"carrier":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"premium":{"page":2,"quote":"PREMIUM SUBTOTAL $ 49,307.00","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"attachmentPoint":{"page":3,"quote":"Each Occurrence $ 1,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"generalAggregate":{"page":1,"quote":"GENERAL AGGREGATE LIMIT (LIABILITY COVERAGE) (except with respect to Auto Liability and Products Completed Operations) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"selfInsuredRetention":{"page":1,"quote":"RETAINED LIMIT: $ 10,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"productsCompletedOpsAggregate":{"page":1,"quote":"PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"}},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","effective":"2025-03-01","formBasis":"occurrence","deductible":null,"expiration":"2026-03-01","formNumbers":["PI-CXL-002","PI-CXL-001","PI-CXL-004","PI-CXL-006","PI-CXL-007","PI-CXL-014","PI-CXL-015","PI-CXL-021","PI-CXL-029","PI-CXL-032","PI-CXL-039","PI-CXL-041","PI-CXL-047","PI-CXL-054","PI-CXL-068","PI-CXL-075","PI-CXL-085","PI-CXL-088","PI-CXL-092","PI-CXL-099","PI-CXL-100","PI-CXL-111","PI-CXL-113","PI-CXL-117","PI-CXL-132","PI-CXL-137","PI-CXL-MD 1","PI-CXL-MD 2","PI-UMTER-DN"],"namedInsured":"Vietnam Veterans of America Inc. 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It is placed at 1,000,000, the largest limit named in its own schedule of underlying insurance, which is a floor rather than a reading: the schedule lists policies without saying which of them stack.","layerPolicyIds":["vva-umbrella_philadelphia-indemnity_PHUB902534"]}],"restrictions":[{"label":"Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2106","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2106","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2147","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2147","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi Or Bacteria Exclusion","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2167","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2167","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":72,"quote":"NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 00 21 09 08","alsoProvisions":["Exclusion - Nuclear Material Bodily Injury and Property Damage"],"carrierNoticedReduction":false},{"label":"California Changes - Actual Cash Value","where":"endorsement","source":"policy-language","citation":{"page":74,"quote":"CALIFORNIA CHANGES – ACTUAL CASH VALUE","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 02 02 20","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"California Changes - Concealment, Misrepresentation or Fraud Condition","where":"endorsement","source":"policy-language","citation":{"page":75,"quote":"The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with respect to loss (\"loss\") or damage caused by fire: We do not provide coverage to the insured (\"insured\") who, whether before or after a loss (\"loss\"), has committed fraud or intentionally concealed or misrepresented any material fact or circumstance","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 04 07 20","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Appraisal Condition","where":"endorsement","source":"policy-language","citation":{"page":76,"quote":"The Appraisal Condition in: 1. Business Income (And Extra Expense) Coverage Form CP 00 30; and 2. Business Income (Without Extra Expense) Coverage Form CP 00 32; is replaced by the following","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 04 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation or Fraud","where":"endorsement","source":"policy-language","citation":{"page":77,"quote":"We will not pay for any loss (\"loss\") or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. 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The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Coverage Part.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 00 90","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Maryland Changes","where":"endorsement","source":"policy-language","citation":{"page":166,"quote":"MARYLAND CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 02 01 12 17","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Additional Insured – Club Members","where":"endorsement","source":"policy-language","citation":{"page":168,"quote":"ADDITIONAL INSURED – CLUB MEMBERS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 20 02 11 85","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Additional Insured – Controlling Interest","where":"endorsement","source":"policy-language","citation":{"page":169,"quote":"B. This insurance does not apply to structural alterations, new construction and demolition operations performed by or for that person or organization.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 20 05 04 13","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Additional Insured – Managers or Lessors of Premises","where":"endorsement","source":"policy-language","citation":{"page":171,"quote":"This insurance does not apply to: 1. Any \"occurrence\" which takes place after you cease to be a tenant in that premises. 2. 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Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person, including causing or contributing to the intoxication of any person because alcoholic beverages were permitted to be brought on your premises, for consumption on your premises","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 51 04 13","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","source":"policy-language","citation":{"page":183,"quote":"Fungi Or Bacteria a. \"Bodily injury\" or \"property damage\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 67 12 04","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":184,"quote":"A. If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 21 70 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Waiver of Transfer of Rights of Recovery Against Others to Us","where":"endorsement","source":"policy-language","citation":{"page":186,"quote":"We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or \"your work\" done under a contract with that person or organization and included in the \"products-completed operations hazard\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG 24 04 05 09","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Maryland Changes – Premium Audit Condition","where":"endorsement","source":"policy-language","citation":{"page":187,"quote":"Paragraph b. of the Premium Audit Condition Section IV is replaced by the following: Premium Audit b. 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Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-001(8/94)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion - Asbestos Liability","where":"endorsement","source":"policy-language","citation":{"page":194,"quote":"This insurance does not apply to: \"Bodily injury,\" \"property damage,\" and \"personal and advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-002 (8/94)","alsoProvisions":["Exclusion – Asbestos Liability"],"carrierNoticedReduction":false},{"label":"Additional Insured Primary and Non-Contributory Insurance","where":"endorsement","source":"policy-language","citation":{"page":195,"quote":"This insurance is primary to and non-contributory with any other insurance maintained by the person or organization (Additional Insured), except for loss resulting from the sole negligence of that person or organization.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-005 (07/12)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","source":"policy-language","citation":{"page":196,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GL-042 (04/22)","alsoProvisions":["Total Exclusion - PFC/PFAS General Liability"],"carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services – Extended Property Damage","where":"endorsement","source":"policy-language","citation":{"page":203,"quote":"K. Key and Lock Replacement – Janitorial Services Client Coverage SECTION I – COVERAGES, SUPPLEMENTARY PAYMENTS – COVERAGES A AND B is amended to include the following: We will pay for the cost to replace keys and locks at the \"clients\" premises due to theft or other loss to keys entrusted to you by your \"client,\" up to a $10,000 limit per occurrence and $10,000 policy aggregate.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":50000,"formNumber":"PI-GLD-HS (10/11)","alsoProvisions":["General Liability Deluxe Endorsement: Human Services – Limited Rental Lease Agreement Contractual Liability","General Liability Deluxe Endorsement: Human Services – Non-Owned Watercraft","General Liability Deluxe Endorsement: Human Services – Damage to Property You Own, Rent or Occupy","General Liability Deluxe Endorsement: Human Services – Damage to Premises Rented to You","General Liability Deluxe Endorsement: Human Services – Medical Payments","General Liability Deluxe Endorsement: Human Services – Supplementary Payments – Bail Bonds","General Liability Deluxe Endorsement: Human Services – Supplementary Payments – Loss of Earnings","General Liability Deluxe Endorsement: Human Services – Employee Indemnification Defense Coverage","General Liability Deluxe Endorsement: Human Services – Key and Lock Replacement"],"carrierNoticedReduction":false},{"label":"Exclusion Professional Liability Coverage","where":"endorsement","source":"policy-language","citation":{"page":210,"quote":"This insurance does not apply to: \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of: 1. The rendering or failure to render: a. Medical, surgical, dental, x-ray or nursing service, treatment, advice or instruction, or the related furnishing of food or beverages; b. Any health or therapeutic service, treatment, advice or instruction; or c. Any service, treatment, advice or instruction for the purpose of appearance or skin enhancement, hair removal or replacement or personal grooming.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-005 (07/04)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","source":"policy-language","citation":{"page":227,"quote":"ABUSE OR MOLESTATION EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of SECTION I – COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY and Paragraph 2. Exclusions of SECTION I – COVERAGE B – PERSONAL AND ADVERTISING INJURY LIABILITY : This insurance does not apply to any injury sustained by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-006","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Special Events Exclusions","where":"endorsement","source":"policy-language","citation":{"page":228,"quote":"SPECIAL EVENTS ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. This insurance applies to \"bodily injury\", \"property damage\", and \"personal and advertising injury\" arising out of all of your special events with the following exceptions unless scheduled in paragraph C. SCHEDULE OF SPECIAL EVENTS below: • Parades sponsored by the Insured • Shooting activities • Fireworks • Carnivals and fairs with mechanical rides sponsored by the Insured • Rock, Heavy Metal, Techno, Hip-Hop or Rap concerts • Events including contact sports • Rodeos sponsored by the Insured • Political Rallies • Any event with greater than 2,500 people at any one time (including otherwise acceptable events) • Any event with liquor provided by the Insured if a license is required for such activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SE-001","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":216,"quote":"Nuclear Incidents Or Conditions Due to nuclear reaction, nuclear radiation or radioactive contamination or to any related act or 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acts","Unexplained disappearance","Shortage found upon taking inventory","Processing or work upon the covered Property","Artificially generated current creating a short circuit","Faulty materials, improper workmanship, errors in design or specifications","Theft from any unattended vehicle","Wear, tear, gradual deterioration, depreciation","Dryness or dampness of atmosphere, extremes or changes of temperature","Pollutant Clean-Up and Removal Sub-Limit","Debris Removal Sub-Limit","Additional Acquired Property Sub-Limit"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury (CA 00 01 03 10)","where":"base-form","source":"policy-language","citation":{"page":245,"quote":"$1,000 is the most we will pay for \"loss\" in any one \"accident\" to all electronic equipment that reproduces, receives or transmits audio, visual or data 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sub-limit","Loss Of Use Expenses For Hired Auto Sub-Limit"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury (CA 00 01 10 13)","where":"base-form","source":"policy-language","citation":{"page":255,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 00 01 10 13","alsoProvisions":["Contractual Liability (CA 00 01 10 13)","Workers' Compensation (CA 00 01 10 13)","Employee Indemnification And Employer's Liability (CA 00 01 10 13)","Fellow Employee (CA 00 01 10 13)","Care, Custody Or Control (CA 00 01 10 13)","Handling Of Property (CA 00 01 10 13)","Movement Of Property By Mechanical Device (CA 00 01 10 13)","Operations (CA 00 01 10 13)","Completed Operations (CA 00 01 10 13)","Pollution (CA 00 01 10 13)","War (CA 00 01 10 13)","Racing (CA 00 01 10 13)"],"carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","source":"policy-language","citation":{"page":257,"quote":"All electronic equipment that reproduces, receives or transmits audio, visual or data signals in any one \"loss\" is $1,000","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":1000,"formNumber":"CA 00 01","alsoProvisions":["War Or Military Action","Professional or organized racing or demolition contest or stunting activity","Wear and tear, freezing, mechanical or electrical breakdown","Blowouts, punctures or other road damage to tires","Audio, visual or data electronic devices","Speed-measuring equipment detectors and jamming apparatus","Electronic equipment reproducing, receiving or transmitting audio, visual or data signals","Electronic equipment sub-limit","Diminution in value","Transportation Expenses – Towing","Loss Of Use Expenses For Hired Auto Physical Damage"],"carrierNoticedReduction":false},{"label":"Disciplinary proceedings defense costs","where":"base-form","source":"policy-language","citation":{"page":277,"quote":"We will reimburse you for reasonable legal services charged by a lawyer we agree to and other expenses you may incur in the investigation and defense of \"disciplinary proceeding(s)\" brought against you arising out of a \"professional incident\" that is otherwise covered by this policy. This Coverage is limited to $100,000 per \"professional incident\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":100000,"formNumber":"PI-HS-003","alsoProvisions":["Formal accreditation board defense costs","Expected or intended damages","Breach of contract or agreement","Hospital, sanatorium, medical clinic or medical facility or laboratory","Aircraft, auto, or watercraft","Prescription, utilization, furnishing, or dispensing of drugs or medical supplies","Services of psychiatrist","Professional services of attorney, architect, engineer, accountant, etc.","Membership in formal accreditation or professional board or committee","Injury to any insured or consequential injury to family members","Workers compensation, disability benefits or unemployment compensation","Employment-related practices and discrimination","Advertising injury or personal injury","Damage to property owned, occupied or used by insured","Pollution hazard, Nuclear hazard, Asbestos hazard, Lead hazard","Discrimination","Unfair competition or violation of anti-trust laws","Inability or failure to collect or pay money","Personal profit or advantage","ERISA liability","Criminal, dishonest, fraudulent or malicious act or omission","Claim made by another insured","Managerial or administrative acts, errors or omissions","Physical or sexual abuse or molestation"],"carrierNoticedReduction":false},{"label":"Amendment of Exclusion – Prescription/Nonprescription Drugs, Supplies or Appliances","where":"endorsement","source":"policy-language","citation":{"page":284,"quote":"AMENDMENT OF EXCLUSION – PRESCRIPTION/NONPRESCRIPTION DRUGS, SUPPLIES OR APPLIANCES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-024","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Maryland Changes – No defense coverage for health care provider disciplinary hearing","where":"endorsement","source":"policy-language","citation":{"page":285,"quote":"There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-MD-1","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Maryland Changes – Collision Coverage in Mexico","where":"endorsement","source":"policy-language","citation":{"page":263,"quote":"MARYLAND CHANGES – COLLISION COVERAGE IN MEXICO For a covered \"auto\" licensed or principally garaged in Maryland, this endorsement modifies insurance provided under the following:","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"California Changes – Other Insurance Condition","where":"endorsement","source":"policy-language","citation":{"page":264,"quote":"CALIFORNIA CHANGES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 43","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Maryland Changes – Other Insurance Condition Primary","where":"endorsement","source":"policy-language","citation":{"page":266,"quote":"MARYLAND CHANGES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 70","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Abusive Conduct – General","where":"base-form","source":"policy-language","citation":{"page":290,"quote":"m. Any \"claim\" or \"suit\" arising out of sexual discrimination and/or sexual harassment, whether asserted under any federal or state statute or the common or civil law of any jurisdiction.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-008","alsoProvisions":["Abusive Conduct – Intentional failure to report","Abusive Conduct – Intentional or criminal act","Abusive Conduct – Prior knowledge of abuse","Abusive Conduct – Sexual discrimination and sexual harassment"],"carrierNoticedReduction":false},{"label":"Maryland Changes – Abusive Conduct Liability – Cooperation","where":"endorsement","source":"policy-language","citation":{"page":297,"quote":"We may disclaim liability coverage only if you fail to cooperate with us and we establish, by a preponderance of evidence, that the lack of cooperation is prejudicial to us.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-MD 1","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":9,"quote":"Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 40 07 06","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 01 40 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":10,"quote":"Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 75 07 06","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 01 75 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Mismatch Exclusion","where":"endorsement","source":"policy-language","citation":{"page":11,"quote":"The Mismatch Exclusion adds an exclusion for mismatch of color or materials between undamaged roof or siding material and new roof or siding material used to repair or replace damaged roof or siding material.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-123","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Existing Damage Exclusion","where":"endorsement","source":"policy-language","citation":{"page":11,"quote":"The Existing Damage Exclusion adds an exclusion for damages occurring prior to the inception date of the policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-124","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Mold Exclusion","where":"endorsement","source":"policy-language","citation":{"page":13,"quote":"PI-CP-001 1001 Mold Exclusion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CP-001","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":13,"quote":"CP0140 0706 Exclusion Of Loss Due To Virus Or Bacteria","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP0140","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion - Umbrella","where":"endorsement","source":"policy-language","citation":{"page":327,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PI-CXL-132 (06/20) This endorsement adds an exclusion to the Umbrella for claims related to the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CXL-132","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","source":"policy-language","citation":{"page":16,"quote":"CG2402 1204 Fungi or Bacteria Exclusion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2402","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for General Liability Coverages","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"CA 25 57 10 13 – COMMUNICABLE DISEASE EXCLUSION FOR GENERAL LIABILITY COVERAGES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 25 57 10 13","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for Garage Operations – Other Than Covered Autos","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"PI-CA-030 (12/20) – COMMUNICABLE DISEASE EXCLUSION FOR GARAGE OPERATIONS – OTHER THAN COVERED AUTOS","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-030","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion for General Liability Coverages – Illinois","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"PI-CA-031 IL (12/20) – COMMUNICABLE DISEASE EXCLUSION FOR GENERAL LIABILITY COVERAGES – ILLINOIS","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-031 IL","alsoProvisions":["Communicable Disease Exclusion for General Liability Coverages – Washington"],"carrierNoticedReduction":false},{"label":"Notice of Reduction in Coverage","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"NOTICE OF REDUCTION IN COVERAGE","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CA-AD-CDEX-NOTICE 1","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Directors and Officers Liability","where":"endorsement","source":"policy-language","citation":{"page":38,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising from any \"wrongful act\" of any director or officer of the insured in the discharge or performance of their duties as such.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-004","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employers' Liability (Stop Gap)","where":"endorsement","source":"policy-language","citation":{"page":39,"quote":"This insurance does not apply to any liability for \"bodily injury,\" disability or shock, including death at any time resulting from any of these, and, if arising out of the foregoing mental anguish or mental injury sustained by: 1. An \"employee\" of the insured arising out of and in the course of employment by the insured; or 2. The spouse, child, parent, brother or sister of that \"employee\" as a consequence of 1. above.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-006","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Abuse or Molestation","where":"endorsement","source":"policy-language","citation":{"page":40,"quote":"This insurance does not apply to any injury, liability, damage, loss, cost or expense sustained or incurred by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-007","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Subsidence","where":"endorsement","source":"policy-language","citation":{"page":41,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense, whether direct or indirect, arising out of, caused by, resulting from, contributed to or aggravated by the subsidence of land, including any: settling, expansion, sinking, slipping, falling away, tilting, caving in, shifting, eroding, mud flow, rising, or any other movement of land or earth if any of the foregoing emanate from the operations of the insured or any other person for whose acts the insured is legally liable.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-014","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Athletic Participants and Officials","where":"endorsement","source":"policy-language","citation":{"page":42,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense for injury sustained by: Any person while practicing for, or participating in, or officiating at, any athletic contest or exhibition; or Any person specified below:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Trampoline","where":"endorsement","source":"policy-language","citation":{"page":43,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. The ownership, maintenance or use of trampolines; or b. The supervision of any person using a trampoline.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-021","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":45,"quote":"This insurance does not apply to: Fungi or Bacteria 1. \"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-032","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":46,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-039","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Medical Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":48,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of any \"professional incident\" by any \"medical professional.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-047","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employee Benefits Liability","where":"endorsement","source":"policy-language","citation":{"page":50,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of an act, error or omission committed in the \"administration\" of your \"employee benefit program.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-068","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Lead Liability","where":"endorsement","source":"policy-language","citation":{"page":51,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-075","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Professional Liability Coverage Sub-Limit","where":"endorsement","source":"policy-language","citation":{"page":52,"quote":"Each Professional Incident Limit: $5,000,000 Aggregate Limit: $5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":5000000,"formNumber":"PI-CXL-085","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-Related Liability","where":"endorsement","source":"policy-language","citation":{"page":53,"quote":"This insurance does not apply to: u. Access or Disclosure of Confidential or Personal Information and Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-088","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Automobile Liability (Sublimit)","where":"endorsement","source":"policy-language","citation":{"page":55,"quote":"Each Occurrence Limit: $5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":5000000,"formNumber":"PI-CXL-092","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Recording and Distribution of Material or Information in Violation of Law","where":"endorsement","source":"policy-language","citation":{"page":56,"quote":"This insurance does not apply to \"personal and advertising injury\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA)","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-099","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","source":"policy-language","citation":{"page":57,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-100","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limit of Insurance Exclusion Clause Minimum Limit Requirement","where":"endorsement","source":"policy-language","citation":{"page":60,"quote":"This policy does not follow and shall not become excess of any coverage which incorporates a limit of insurance or sub-limit of insurance that is less than $1,000,000 and is attached to any \"underlying insurance\" shown in the Schedule of Underlying Insurance","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-111","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Silica or Silica-Related Dust","where":"endorsement","source":"policy-language","citation":{"page":62,"quote":"This insurance does not apply to: Silica or Silica-Related Dust Any liability, damage, loss, cost or expense arising, in whole or in part, out of: 1. The actual, alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, \"silica\" or \"silica-related dust.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-117","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":63,"quote":"This insurance does not apply to: Communicable Disease Any liability, damage, loss, cost or expense arising, in whole or in part, out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-132","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","source":"policy-language","citation":{"page":64,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any injury, damage, loss, cost or expense arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-137","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","source":"policy-language","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-HS-029","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":21,"quote":"Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-001","alsoProvisions":["Workers Compensation and Similar Laws","Employment Related Practices","War","E.R.I.S.A.","Contractual Liability","Aircraft or Watercraft","Auto Coverages","Other Personal and Advertising Injury Exclusions","Damage to Property","Damage to Your Product","Damage to Your Work","Damage to Impaired Property or Property Not Physically Injured","Recall of Products, Work or Impaired Property","Pollution","Discrimination","Asbestos","Nuclear Energy Liability","Liquor Liability","Trade or Economic Sanctions","Electronic Data","Distribution of Material in Violation of Statutes"],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":3,"formsWithNoRestrictionFound":34},"findings":[{"id":"finding-global.carrier-reduced-coverage","layer":"global","impact":"Did the carrier give notice that it reduced this coverage?","ruleId":"global.carrier-reduced-coverage","degraded":false,"evidence":[{"page":327,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PI-PROF-002 (06/20) This endorsement excludes coverage for professional liability arising out of the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":325,"quote":"TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY – PI-PROF-003 (02/24) This exclusion excludes coverage for liability arising out of, in any way related to, or would not have occurred in whole or in part for the actual or alleged exposure to Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS).","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":326,"quote":"COMMUNICABLE DISEASE EXCLUSION ENDORSEMENT – CG 21 32 05 09 This endorsement excludes coverage for liability arising out of the actual or alleged transmission of a communicable disease which includes but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":285,"quote":"There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"dependsOn":[],"statement":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading. communicable disease (3 endorsements across coverage parts); total exclusion - perfluorinated compounds (pfc) / per- and polyfluoroalkyl substances (pfas) professional liability; maryland changes – no defense coverage for health care provider disciplinary hearing; notice of reduction in coverage.","ruleVersion":"e3496ae3227a"},{"id":"finding-global.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":203,"quote":"K. Key and Lock Replacement – Janitorial Services Client Coverage SECTION I – COVERAGES, SUPPLEMENTARY PAYMENTS – COVERAGES A AND B is amended to include the following: We will pay for the cost to replace keys and locks at the \"clients\" premises due to theft or other loss to keys entrusted to you by your \"client,\" up to a $10,000 limit per occurrence and $10,000 policy aggregate.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":237,"quote":"Unexplained disappearance.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":245,"quote":"$1,000 is the most we will pay for \"loss\" in any one \"accident\" to all electronic equipment that reproduces, receives or transmits audio, visual or data signals","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":257,"quote":"All electronic equipment that reproduces, receives or transmits audio, visual or data signals in any one \"loss\" is $1,000","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"}],"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. General Liability Deluxe Endorsement: Human Services – Extended Property Damage is capped at 50,000. Governmental Action is capped at 10,000. Expected Or Intended Injury (CA 00 01 03 10) is capped at 600. Nuclear Hazard is capped at 1,000.","ruleVersion":"485c5e73f822"},{"id":"finding-global.endorsements-restrict","layer":"global","impact":"Do the attached endorsements restrict this coverage?","ruleId":"global.endorsements-restrict","degraded":false,"evidence":[],"dependsOn":[],"statement":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","ruleVersion":"86033228d3f6"}],"reviewId":"review-mt8vzp3k","decisions":[],"unanswered":[{"reason":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","questionId":"global.defense-outside-limits"},{"reason":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","questionId":"global.aggregate-impairment-known"}],"observations":[{"id":"observation-tower-attachment-derived-0","evidence":[],"statement":"This policy prints no attachment point. It is placed at 1,000,000, the largest limit named in its own schedule of underlying insurance, which is a floor rather than a reading: the schedule lists policies without saying which of them stack.","packetComplete":true},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-classifier","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf, from the classifier: This is a multi-coverage-part commercial package policy packet. It includes a Common Policy Declarations (page 1), schedule of forms (page 3), locations schedule (page 4), additional insured schedules (pages 5-7), fees schedule (page 8), Commercial Property coverage part declarations and schedules (pages 9-14), Commercial General Liability coverage part declarations and schedules (pages 15-18), Commercial Inland Marine coverage part declarations and schedules (pages 19-22), advisory notices (pages 9-11, 23-24), and Business Auto declarations and schedules (pages 25-30). All sections bear policy number PHPK2661220-013. The document is typed general-liability per task instructions because a Commercial General Liability Coverage Part appears in the premium summary and on its own declarations page, notwithstanding that the packet also includes property, inland marine, and auto coverage parts.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-classifier","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf, from the classifier: The uploaded document is a packet containing multiple document types: pages 1–5 are the Commercial Umbrella Liability Insurance Policy Declarations (form PI-CXL-002 05/19); page 6 is a Form Schedule – Umbrella Liability (schedule-of-forms); pages 7–8 are an endorsement (PI-HS-029 02/20, Exclusion – Adoption and Foster Care Operations) which does not appear on the form schedule and carries no policy number on its face; pages 9–30 are the Commercial Umbrella Liability Insurance Policy coverage form (PI-CXL-001 03/14). The dominant character of the packet is the declarations page, so type is 'declarations'. The endorsement PI-HS-029 is not listed on the form schedule (page 6), which may indicate it was attached separately or the schedule is incomplete; confidence is medium for this reason. Page count reflects all 30 pages provided.","packetComplete":false},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-citations","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: 336 of 375 figures were confirmed against the page they cite. The remaining 39 could not be, so they are the reader's word rather than the document's. Nothing else in this reading depends on them.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-citations","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf: 162 of 163 figures were confirmed against the page they cite. The remaining 1 could not be, so it is the reader's word rather than the document's. Nothing else in this reading depends on it.","packetComplete":false},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-truncated","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: pages 1 to 30 were read in full, and all 329 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-sweep-losses","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: of the 329 pages searched for provisions and schedule entries, 45 pages were not reached inside the time this reading is allowed. A restriction printed on one of those pages would not appear here.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-truncated","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf: pages 1 to 30 were read in full, and all 84 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":58377,"outputTokens":483,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":66098,"outputTokens":11914,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":21030,"outputTokens":614,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":32865,"outputTokens":1423,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":26615,"outputTokens":5776,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":31614,"outputTokens":8547,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":30482,"outputTokens":5955,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":21872,"outputTokens":1938,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":8542,"outputTokens":610,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"vva-gl-package_philadelphia-indemnity_PHPK2661220","sha256":"42286ee391c6a7f52e8fcbcb758c4342a3b59fa4a6c556904a50d623475cb76b","filename":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"This is a multi-coverage-part commercial package policy packet. It includes a Common Policy Declarations (page 1), schedule of forms (page 3), locations schedule (page 4), additional insured schedules (pages 5-7), fees schedule (page 8), Commercial Property coverage part declarations and schedules (pages 9-14), Commercial General Liability coverage part declarations and schedules (pages 15-18), Commercial Inland Marine coverage part declarations and schedules (pages 19-22), advisory notices (pages 9-11, 23-24), and Business Auto declarations and schedules (pages 25-30). All sections bear policy number PHPK2661220-013. The document is typed general-liability per task instructions because a Commercial General Liability Coverage Part appears in the premium summary and on its own declarations page, notwithstanding that the packet also includes property, inland marine, and auto coverage parts.","carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"pageCount":329,"confidence":"high","namedInsured":{"value":"Vietnam Veterans of America Inc Chapters and State Councils","citation":{"page":1,"quote":"Vietnam Veterans of America Inc\nChapters and State Councils\n8719 Colesville Rd Ste 100\nSilver Spring, MD 20910-3919","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"policyNumber":{"value":"PHPK2661220-013","citation":{"page":1,"quote":"Policy Number:  PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":329,"firstError":null,"failedPages":0,"timedOutPages":45},"extraction":{"id":"vva-gl-package_philadelphia-indemnity_PHPK2661220","role":"primary","term":{"effective":{"value":"2025-03-01","citation":{"page":1,"quote":"Policy Period From: 03/01/2025","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"expiration":{"value":"2026-03-01","citation":{"page":1,"quote":"To: 03/01/2026","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}},"notes":"This is a primary Commercial General Liability policy. There is no schedule of underlying insurance, no attachment point, and no SIR or deductible printed on the CGL declarations page. The CGL declarations page prints 'Retroactive Date: NONE', which indicates this is an occurrence-form policy (the retroactive date field applies only to CG 00 02 claims-made; the form in use is CG0001 0413, which is the occurrence form). Defense inside limits cannot be determined from the pages provided; the CG 00 01 form language was not provided. The forms schedule shown here combines both the common policy-level forms schedule (page 3) and the General Liability-specific forms schedule (page 16). The common policy declarations list a total premium of $93,281.76; the CGL coverage part premium of $89,360.00 is taken from the CGL declarations page (page 15). The Medical Expense limit is printed as $0 on page 15.","limits":{"eachOccurrence":{"value":1000000,"citation":{"page":15,"quote":"$ 1,000,000 Each Occurrence Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"generalAggregate":{"value":3000000,"citation":{"page":15,"quote":"$ 3,000,000 General Aggregate Limit (Other Than Products – Completed Operations)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":1000000,"citation":{"page":15,"quote":"$ 1,000,000 Personal and Advertising Injury Limit (Any One Person or Organization)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":3000000,"citation":{"page":15,"quote":"$ 3,000,000 Products/Completed Operations Aggregate Limit","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"}},"carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company\nA Stock Company (Nonparticipating)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"premium":{"value":89360,"citation":{"page":15,"quote":"TOTAL PREMIUM FOR THIS COVERAGE PART: $ 89,360.00","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["vva-gl-package_philadelphia-indemnity_PHPK2661220"],"namedInsured":{"value":"Vietnam Veterans of America Inc Chapters and State Councils","citation":{"page":1,"quote":"Vietnam Veterans of America Inc\nChapters and State Councils\n8719 Colesville Rd Ste 100\nSilver Spring, MD 20910-3919","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"policyNumber":{"value":"PHPK2661220-013","citation":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"restrictions":[{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","citation":{"page":72,"quote":"NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Exclusion - Nuclear Material Bodily Injury and Property Damage","where":"endorsement","citation":{"page":72,"quote":"The insurance does not apply: A. Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an \"insured\" under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or (2) Resulting from the \"hazardous properties\" of \"nuclear material\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"California Changes - Actual Cash Value","where":"endorsement","citation":{"page":74,"quote":"CALIFORNIA CHANGES – ACTUAL CASH VALUE","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 02 02 20","carrierNoticedReduction":false},{"label":"California Changes - Concealment, Misrepresentation or Fraud Condition","where":"endorsement","citation":{"page":75,"quote":"The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with respect to loss (\"loss\") or damage caused by fire: We do not provide coverage to the insured (\"insured\") who, whether before or after a loss (\"loss\"), has committed fraud or intentionally concealed or misrepresented any material fact or circumstance","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 04 07 20","carrierNoticedReduction":false},{"label":"Appraisal Condition","where":"endorsement","citation":{"page":76,"quote":"The Appraisal Condition in: 1. Business Income (And Extra Expense) Coverage Form CP 00 30; and 2. Business Income (Without Extra Expense) Coverage Form CP 00 32; is replaced by the following","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 04 07","carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation or Fraud","where":"endorsement","citation":{"page":77,"quote":"We will not pay for any loss (\"loss\") or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. Fraud; committed by an insured (\"insured\") at any time and relating to a claim under this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 10 09 07","carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","citation":{"page":89,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information, including but not limited to patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information, biometrics, or any other type of nonpublic information","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-ACL-001","carrierNoticedReduction":false},{"label":"Exclusion - Adoption and Foster Care Operations","where":"endorsement","citation":{"page":95,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, sum, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person or organization and which is: A. Caused by alleged, actual or threatened abuse or molestation by anyone","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-029","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion Professional Liability","where":"endorsement","citation":{"page":97,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error or omission, or damage arising out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-PROF-002","carrierNoticedReduction":false},{"label":"Total Exclusion - Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability","where":"endorsement","citation":{"page":98,"quote":"This insurance does not apply to: A. Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any loss, cost, expense, fine, penalty, act, error or omission, injury or damage, or attorney's fees arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-PROF-003","carrierNoticedReduction":false},{"label":"Absolute Abuse or Molestation Exclusion Professional Liability","where":"endorsement","citation":{"page":100,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person caused by the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-018","carrierNoticedReduction":false},{"label":"Property Not Covered - Electronic data","where":"base-form","citation":{"page":104,"quote":"Electronic data, except as provided under the Additional Coverage, Electronic Data. Electronic data means information, facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation Or Fraud","where":"base-form","citation":{"page":119,"quote":"This Coverage Part is void in any case of fraud by you as it relates to this Coverage Part at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Coverage Part; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Coverage Part.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 00 90","carrierNoticedReduction":false},{"label":"Maryland Changes","where":"endorsement","citation":{"page":166,"quote":"MARYLAND CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 02 01 12 17","carrierNoticedReduction":false},{"label":"Additional Insured – Club Members","where":"endorsement","citation":{"page":168,"quote":"ADDITIONAL INSURED – CLUB MEMBERS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 20 02 11 85","carrierNoticedReduction":false},{"label":"Additional Insured – Controlling Interest","where":"endorsement","citation":{"page":169,"quote":"B. This insurance does not apply to structural alterations, new construction and demolition operations performed by or for that person or organization.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 20 05 04 13","carrierNoticedReduction":false},{"label":"Additional Insured – Managers or Lessors of Premises","where":"endorsement","citation":{"page":171,"quote":"This insurance does not apply to: 1. Any \"occurrence\" which takes place after you cease to be a tenant in that premises. 2. Structural alterations, new construction or demolition operations performed by or on behalf of the person(s) or organization(s) shown in the Schedule.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 20 11 04 13","carrierNoticedReduction":false},{"label":"Exclusion – Access or Disclosure of Confidential or Personal Information and Data-Related Liability – with Limited Bodily Injury Exception","where":"endorsement","citation":{"page":179,"quote":"p. Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 06 05 14","carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","citation":{"page":180,"quote":"Communicable Disease \"Bodily injury\" or \"property damage\" arising out of the actual or alleged transmission of a communicable disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 32 05 09","carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","citation":{"page":181,"quote":"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 person's employment; or (c) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 47 12 07","carrierNoticedReduction":false},{"label":"Amendment of Liquor Liability Exclusion – Exception for Scheduled Premises or Activities","where":"endorsement","citation":{"page":182,"quote":"c. Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person, including causing or contributing to the intoxication of any person because alcoholic beverages were permitted to be brought on your premises, for consumption on your premises","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 51 04 13","carrierNoticedReduction":false},{"label":"Fungi or Bacteria Exclusion","where":"endorsement","citation":{"page":183,"quote":"Fungi Or Bacteria a. \"Bodily injury\" or \"property damage\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 67 12 04","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":184,"quote":"A. If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 70 01 15","carrierNoticedReduction":false},{"label":"Waiver of Transfer of Rights of Recovery Against Others to Us","where":"endorsement","citation":{"page":186,"quote":"We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or \"your work\" done under a contract with that person or organization and included in the \"products-completed operations hazard\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 24 04 05 09","carrierNoticedReduction":false},{"label":"Maryland Changes – Premium Audit Condition","where":"endorsement","citation":{"page":187,"quote":"Paragraph b. of the Premium Audit Condition Section IV is replaced by the following: Premium Audit b. Premium shown in this Coverage Part as advance premium is a deposit premium only.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 26 73 12 04","carrierNoticedReduction":false},{"label":"California Changes","where":"endorsement","citation":{"page":188,"quote":"The term \"spouse\" is replaced by the following: Spouse or registered domestic partner under California law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 32 34 01 05","carrierNoticedReduction":false},{"label":"Exclusion - Lead Liability","where":"endorsement","citation":{"page":189,"quote":"This insurance does not apply to: 1. \"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" arising out of or caused by the actual or alleged: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-001(8/94)","carrierNoticedReduction":false},{"label":"Exclusion - Lead Liability","where":"endorsement","citation":{"page":190,"quote":"This insurance does not apply to: 1. \"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" arising out of or caused by the actual or alleged: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-001 (09/17)","carrierNoticedReduction":false},{"label":"Exclusion - Asbestos Liability","where":"endorsement","citation":{"page":192,"quote":"This insurance does not apply to: \"Bodily injury,\" \"property damage,\" \"personal injury\" or \"advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-002 (8/94)","carrierNoticedReduction":false},{"label":"Exclusion - Asbestos Liability","where":"endorsement","citation":{"page":193,"quote":"This insurance does not apply to: \"Bodily injury,\" \"property damage,\" \"personal and advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-002 (09/17)","carrierNoticedReduction":false},{"label":"Exclusion – Asbestos Liability","where":"endorsement","citation":{"page":194,"quote":"This insurance does not apply to: \"Bodily injury,\" \"property damage,\" and \"personal and advertising injury\" arising out of: 1. Inhaling, ingesting or prolonged physical exposure to asbestos or goods or products containing asbestos","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-002 CA (02/08)","carrierNoticedReduction":false},{"label":"Additional Insured Primary and Non-Contributory Insurance","where":"endorsement","citation":{"page":195,"quote":"This insurance is primary to and non-contributory with any other insurance maintained by the person or organization (Additional Insured), except for loss resulting from the sole negligence of that person or organization.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-005 (07/12)","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","citation":{"page":196,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GL-042 (04/22)","carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services – Extended Property Damage","where":"endorsement","citation":{"page":199,"quote":"A. Extended Property Damage SECTION I – COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Subsection 2. Exclusions, Paragraph a. is deleted in its entirety and replaced by the following: a. Expected or Intended Injury \"Bodily injury\" or property damage\" expected or intended from the standpoint of the insured. This exclusion does not apply to \"bodily injury\" or \"property damage\" resulting from the use of reasonable force to protect persons or property.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GLD-HS (10/11)","carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services – Limited Rental Lease Agreement Contractual Liability","where":"endorsement","citation":{"page":199,"quote":"B. Limited Rental Lease Agreement Contractual Liability SECTION I – COVERAGES, COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Subsection 2. Exclusions, Paragraph b. Contractual Liability is amended to include the following: (3) Based on the named insured's request at the time of claim, we agree to indemnify the named insured for their liability assumed in a contract or agreement regarding the rental or lease of a premises on behalf of their client, up to $50,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":50000,"formNumber":"PI-GLD-HS (10/11)","carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services – Non-Owned Watercraft","where":"endorsement","citation":{"page":199,"quote":"C. Non-Owned Watercraft SECTION I – COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Subsection 2. Exclusions, Paragraph g. (2) is deleted in its entirety and replaced by the following: (2) A watercraft you do not own that is: (a) Less than 58 feet long; and (b) Not being used to carry persons or property for a charge","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-GLD-HS (10/11)","carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services – Damage to Property You Own, Rent or Occupy","where":"endorsement","citation":{"page":200,"quote":"D. Damage to Property You Own, Rent or Occupy SECTION I – COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Subsection 2. Exclusions, Paragraph j. Damage to Property, Item (1) is deleted in its entirety and replaced with the following: (1) Property you own, rent, or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property, unless the damage to property is caused by your client, up to a $30,000 limit.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":30000,"formNumber":"PI-GLD-HS (10/11)","carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services – Damage to Premises Rented to You","where":"endorsement","citation":{"page":200,"quote":"E. Damage to Premises Rented to You 1. If damage by fire to premises rented to you is not otherwise excluded from this Coverage Part, the word \"fire\" is changed to \"fire, lightning, explosion, smoke, or leakage from automatic fire protective systems\" where it appears in: a. The last paragraph of SECTION I – COVERAGES, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Subsection 2. Exclusions; is deleted in its entirety and replaced by the following: Exclusions c. through n. do not apply to damage by fire, lightning, explosion, smoke, or leakage from automatic fire protective systems to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in SECTION III – LIMITS OF INSURANCE. b. SECTION III – LIMITS OF INSURANCE, Paragraph 6. is deleted in its entirety and replaced by the following: Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of \"property damage\" to any one premises, while rented to you, or in the case of damage by fire, lightning, explosion, smoke, or leakage from automatic fire protective systems while rented to you or temporarily occupied by you with permission of the owner. c. SECTION V – DEFINITIONS, Paragraph 9.a., is deleted in its entirety and replaced by the following: A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire, lightning, explosion, smoke, or leakage from automatic fire protective systems to premises while rented to you or temporarily occupied by you with permission of the owner is not an \"insured contract\"; 2. SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS, Subsection 4. Other Insurance, Paragraph b. Excess Insurance, (1) (a) (ii) is deleted in its entirety and replaced by the following: That is insurance for fire, lightning, explosion, smoke, or leakage from automatic fire protective systems for premises rented to you or temporarily occupied by you with permission of the owner; 3. The Damage To Premises Rented To You Limit section of the Declarations is amended to the greater of: a. $1,000,000; or b. The amount shown in the Declarations as the Damage to Premises Rented to You Limit.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000000,"formNumber":"PI-GLD-HS (10/11)","carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services – Medical Payments","where":"endorsement","citation":{"page":202,"quote":"G. Medical Payments – Limit Increased to $20,000, Extended Reporting Period If COVERAGE C MEDICAL PAYMENTS is not otherwise excluded from this Coverage Part: 1. The Medical Expense Limit is changed subject to all of the terms of SECTION III - LIMITS OF INSURANCE to the greater of: a. $20,000; or b. The Medical Expense Limit shown in the Declarations of this Coverage Part.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":20000,"formNumber":"PI-GLD-HS (10/11)","carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services – Supplementary Payments – Bail Bonds","where":"endorsement","citation":{"page":202,"quote":"I. Supplementary Payments SECTION I – COVERAGES, SUPPLEMENTARY PAYMENTS - COVERAGE A AND B are amended as follows: 1. b. is deleted in its entirety and replaced by the following: 1. b. Up to $5000 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":5000,"formNumber":"PI-GLD-HS (10/11)","carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services – Supplementary Payments – Loss of Earnings","where":"endorsement","citation":{"page":202,"quote":"1.d. is deleted in its entirety and replaced by the following: 1. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or \"suit\", including actual loss of earnings up to $1,000 a day because of time off from work.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"PI-GLD-HS (10/11)","carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services – Employee Indemnification Defense Coverage","where":"endorsement","citation":{"page":202,"quote":"J. Employee Indemnification Defense Coverage SECTION I – COVERAGES, SUPPLEMENTARY PAYMENTS – COVERAGES A AND B the following is added: We will pay, on your behalf, defense costs incurred by an \"employee\" in a criminal proceeding occurring in the course of employment. The most we will pay for any \"employee\" who is alleged to be directly involved in a criminal proceeding is $25,000","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":25000,"formNumber":"PI-GLD-HS (10/11)","carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services – Key and Lock Replacement","where":"endorsement","citation":{"page":203,"quote":"K. Key and Lock Replacement – Janitorial Services Client Coverage SECTION I – COVERAGES, SUPPLEMENTARY PAYMENTS – COVERAGES A AND B is amended to include the following: We will pay for the cost to replace keys and locks at the \"clients\" premises due to theft or other loss to keys entrusted to you by your \"client,\" up to a $10,000 limit per occurrence and $10,000 policy aggregate.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"PI-GLD-HS (10/11)","carrierNoticedReduction":false},{"label":"Exclusion Professional Liability Coverage","where":"endorsement","citation":{"page":210,"quote":"This insurance does not apply to: \"Bodily injury\", \"property damage\" or \"personal and advertising injury\" arising out of: 1. The rendering or failure to render: a. Medical, surgical, dental, x-ray or nursing service, treatment, advice or instruction, or the related furnishing of food or beverages; b. Any health or therapeutic service, treatment, advice or instruction; or c. Any service, treatment, advice or instruction for the purpose of appearance or skin enhancement, hair removal or replacement or personal grooming.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-005 (07/04)","carrierNoticedReduction":false},{"label":"Abuse or Molestation Exclusion","where":"endorsement","citation":{"page":227,"quote":"ABUSE OR MOLESTATION EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of SECTION I – COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY and Paragraph 2. Exclusions of SECTION I – COVERAGE B – PERSONAL AND ADVERTISING INJURY LIABILITY : This insurance does not apply to any injury sustained by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-006","carrierNoticedReduction":false},{"label":"Special Events Exclusions","where":"endorsement","citation":{"page":228,"quote":"SPECIAL EVENTS ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. This insurance applies to \"bodily injury\", \"property damage\", and \"personal and advertising injury\" arising out of all of your special events with the following exceptions unless scheduled in paragraph C. SCHEDULE OF SPECIAL EVENTS below: • Parades sponsored by the Insured • Shooting activities • Fireworks • Carnivals and fairs with mechanical rides sponsored by the Insured • Rock, Heavy Metal, Techno, Hip-Hop or Rap concerts • Events including contact sports • Rodeos sponsored by the Insured • Political Rallies • Any event with greater than 2,500 people at any one time (including otherwise acceptable events) • Any event with liquor provided by the Insured if a license is required for such activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SE-001","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","citation":{"page":212,"quote":"Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the insured. This exclusion does not apply to \"bodily injury\" resulting from the use of reasonable force to protect persons or property.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":212,"quote":"Contractual Liability \"Bodily injury\" or \"property damage\" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages assumed in a contract or agreement that is a \"covered contract\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Completed Work","where":"base-form","citation":{"page":212,"quote":"Completed Work \"Bodily injury\" or \"property damage\" occurring after the \"work\" is completed. The \"work\" will be deemed completed at the earliest of the following times: (1) When all the \"work\" called for in the \"contractor's\" contract has been completed.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Acts Or Omissions Of Insured","where":"base-form","citation":{"page":213,"quote":"Acts Or Omissions Of Insured \"Bodily injury\" or \"property damage\", the sole proximate cause of which is an act or omission of any insured other than acts or omissions of any of \"your designated employees\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws","where":"base-form","citation":{"page":213,"quote":"Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":213,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\" at or from the \"job location\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Damage To Owned, Leased Or Entrusted Property","where":"base-form","citation":{"page":214,"quote":"Damage To Owned, Leased Or Entrusted Property \"Property damage\" to property owned by you or leased or entrusted to you under a lease or trust agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":214,"quote":"War \"Bodily injury\" or \"property damage\", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Completed Work (Coverage B)","where":"base-form","citation":{"page":215,"quote":"Completed Work Occurring after the \"work\" is completed. The \"work\" will be deemed completed at the earliest of the following times: (1) When all the \"work\" called for in the \"contractor's\" contract has been completed.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Acts Or Omissions Of Insured (Coverage B)","where":"base-form","citation":{"page":215,"quote":"Acts Or Omissions Of Insured The sole proximate cause of which is an act or omission of any insured other than acts or omissions of any of \"your designated employees\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Nuclear Incidents Or Conditions","where":"base-form","citation":{"page":216,"quote":"Nuclear Incidents Or Conditions Due to nuclear reaction, nuclear radiation or radioactive contamination or to any related act or condition.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Pollution (Coverage B)","where":"base-form","citation":{"page":216,"quote":"Pollution Due to the discharge, dispersal, seepage, migration, release or escape of \"pollutants\" excluded under Exclusion f. Pollution, Coverage A.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-MANU-1","carrierNoticedReduction":false},{"label":"Governmental Action","where":"base-form","citation":{"page":235,"quote":"Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for damage or destruction of Covered Property ordered by governmental authority.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","citation":{"page":235,"quote":"Nuclear Hazard (1) Any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination from any other cause.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"War and Military Action","where":"base-form","citation":{"page":235,"quote":"War and Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign, or other authority using military personnel or other agents","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Delay, loss of use, loss or market, or any other consequential loss","where":"base-form","citation":{"page":236,"quote":"Delay, loss of use, loss or market, or any other consequential loss.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Dishonest acts","where":"base-form","citation":{"page":236,"quote":"Dishonest acts by: (1) You, your employees or authorized representatives; (2) Anyone else with an interest in the property, or their employees, or authorized representatives; or (3) Anyone else to whom the property is entrusted.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Unexplained disappearance","where":"base-form","citation":{"page":237,"quote":"Unexplained disappearance.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Shortage found upon taking inventory","where":"base-form","citation":{"page":237,"quote":"Shortage found upon taking inventory.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Processing or work upon the covered Property","where":"base-form","citation":{"page":237,"quote":"Processing or work upon the covered Property. But we will pay for direct \"loss\" caused by resulting fire or explosion.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Artificially generated current creating a short circuit","where":"base-form","citation":{"page":237,"quote":"Artificially generated current creating a short circuit or other electrical disturbance within the Covered Property. But we will pay for direct \"loss\" caused by resulting fire or explosion.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Faulty materials, improper workmanship, errors in design or specifications","where":"base-form","citation":{"page":237,"quote":"Faulty materials, improper workmanship, errors in design or specifications.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Theft from any unattended vehicle","where":"base-form","citation":{"page":237,"quote":"Theft from any unattended vehicle owned, leased, or operated by you unless at the time of theft its windows, doors, and compartments were closed and locked and there are visible signs that the theft was the result of forced entry.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Wear, tear, gradual deterioration, depreciation","where":"base-form","citation":{"page":237,"quote":"Wear, tear, gradual deterioration, depreciation, any quality in the property that causes it to damage or destroy itself; hidden or latent defect; mechanical breakdown; corrosion or rust.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Dryness or dampness of atmosphere, extremes or changes of temperature","where":"base-form","citation":{"page":237,"quote":"Dryness or dampness of atmosphere, extremes or changes of temperature including freezing; insects, vermin, rodents, or worms","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Pollutant Clean-Up and Removal Sub-Limit","where":"base-form","citation":{"page":235,"quote":"The most we will pay for pollutant clean-up and removal is $10,000 for the sum of all such expenses arising out of Covered Causes of Loss occurring during each separate 12-month period of this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Debris Removal Sub-Limit","where":"base-form","citation":{"page":235,"quote":"We will pay up to $5,000 for debris removal expense in any one occurrence when the sum of the direct \"loss\" and debris removal expense exceeds the applicable Limit of Insurance shown in this Coverage Form Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":5000,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Additional Acquired Property Sub-Limit","where":"base-form","citation":{"page":235,"quote":"If during the policy period you acquire additional property of a type already covered by this form, we will cover such property for up to 30 days. The most we will pay in a loss is the lesser of: (1) 25% of the total Limit of Insurance shown in the Schedule for that type of property; or (2) $10,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"PI-CIM-032","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury (CA 00 01 03 10)","where":"base-form","citation":{"page":240,"quote":"Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the \"insured\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Contractual Liability (CA 00 01 03 10)","where":"base-form","citation":{"page":240,"quote":"Contractual Liability assumed under any contract or agreement. But this exclusion does not apply to liability for damages: a. Assumed in a contract or agreement that is an \"insured contract\" provided the \"bodily injury\" or \"property damage\" occurs subsequent to the execution of the contract or agreement","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Workers' Compensation (CA 00 01 03 10)","where":"base-form","citation":{"page":240,"quote":"Workers' Compensation Any obligation for which the \"insured\" or the \"insured's\" insurer may be held liable under any workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Employee Indemnification And Employer's Liability (CA 00 01 03 10)","where":"base-form","citation":{"page":241,"quote":"Employee Indemnification And Employer's Liability \"Bodily injury\" to: a. An \"employee\" of the \"insured\" arising out of and in the course of: (1) Employment by the \"insured\"; or (2) Performing the duties related to the conduct of the \"insured's\" business","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Fellow Employee (CA 00 01 03 10)","where":"base-form","citation":{"page":241,"quote":"Fellow Employee \"Bodily injury\" to: a. Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment or while performing duties related to the conduct of your business","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Care, Custody Or Control (CA 00 01 03 10)","where":"base-form","citation":{"page":241,"quote":"Care, Custody Or Control \"Property damage\" to or \"covered pollution cost or expense\" involving property owned or transported by the \"insured\" or in the \"insured's\" care, custody or control.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Handling Of Property (CA 00 01 03 10)","where":"base-form","citation":{"page":241,"quote":"Handling Of Property \"Bodily injury\" or \"property damage\" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the \"insured\" for movement into or onto the covered \"auto\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Movement Of Property By Mechanical Device (CA 00 01 03 10)","where":"base-form","citation":{"page":241,"quote":"Movement Of Property By Mechanical Device \"Bodily injury\" or \"property damage\" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Operations (CA 00 01 03 10)","where":"base-form","citation":{"page":241,"quote":"Operations \"Bodily injury\" or \"property damage\" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of \"mobile equipment\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Completed Operations (CA 00 01 03 10)","where":"base-form","citation":{"page":241,"quote":"Completed Operations \"Bodily injury\" or \"property damage\" arising out of your work after that work has been completed or abandoned.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Pollution (CA 00 01 03 10)","where":"base-form","citation":{"page":242,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"War (CA 00 01 03 10)","where":"base-form","citation":{"page":242,"quote":"War \"Bodily injury\" or \"property damage\" arising directly or indirectly out of: a. War, including undeclared or civil war","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Racing (CA 00 01 03 10)","where":"base-form","citation":{"page":243,"quote":"Racing Covered \"autos\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Nuclear Hazard (CA 00 01 03 10)","where":"base-form","citation":{"page":243,"quote":"Nuclear Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"War Or Military Action (CA 00 01 03 10)","where":"base-form","citation":{"page":244,"quote":"War Or Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Wear and tear, freezing, mechanical or electrical breakdown","where":"base-form","citation":{"page":244,"quote":"Wear and tear, freezing, mechanical or electrical breakdown.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Blowouts, punctures or other road damage to tires","where":"base-form","citation":{"page":244,"quote":"Blowouts, punctures or other road damage to tires. This exclusion does not apply to such \"loss\" resulting from the total theft of a covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Electronic equipment exclusions","where":"base-form","citation":{"page":244,"quote":"Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Diminution in value","where":"base-form","citation":{"page":244,"quote":"due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Towing and Transportation Expenses Sub-Limit","where":"base-form","citation":{"page":244,"quote":"Transportation Expenses We will pay up to $20 per day to a maximum of $600 for temporary transportation expense","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":600,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Electronic equipment sub-limit","where":"base-form","citation":{"page":245,"quote":"$1,000 is the most we will pay for \"loss\" in any one \"accident\" to all electronic equipment that reproduces, receives or transmits audio, visual or data signals","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Loss Of Use Expenses For Hired Auto Sub-Limit","where":"base-form","citation":{"page":244,"quote":"the most we will pay for any expenses for loss of use is $20 per day, to a maximum of $600.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":600,"formNumber":"CA 00 01 03 10","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury (CA 00 01 10 13)","where":"base-form","citation":{"page":253,"quote":"Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the \"insured\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Contractual Liability (CA 00 01 10 13)","where":"base-form","citation":{"page":253,"quote":"Contractual Liability assumed under any contract or agreement. But this exclusion does not apply to liability for damages: a. Assumed in a contract or agreement that is an \"insured contract\", provided the \"bodily injury\" or \"property damage\" occurs subsequent to the execution of the contract or agreement","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Workers' Compensation (CA 00 01 10 13)","where":"base-form","citation":{"page":253,"quote":"Workers' Compensation Any obligation for which the \"insured\" or the \"insured's\" insurer may be held liable under any workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Employee Indemnification And Employer's Liability (CA 00 01 10 13)","where":"base-form","citation":{"page":253,"quote":"Employee Indemnification And Employer's Liability \"Bodily injury\" to: a. An \"employee\" of the \"insured\" arising out of and in the course of: (1) Employment by the \"insured\"; or (2) Performing the duties related to the conduct of the \"insured's\" business","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Fellow Employee (CA 00 01 10 13)","where":"base-form","citation":{"page":253,"quote":"Fellow Employee \"Bodily injury\" to: a. Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment or while performing duties related to the conduct of your business","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Care, Custody Or Control (CA 00 01 10 13)","where":"base-form","citation":{"page":253,"quote":"Care, Custody Or Control \"Property damage\" to or \"covered pollution cost or expense\" involving property owned or transported by the \"insured\" or in the \"insured's\" care, custody or control.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Handling Of Property (CA 00 01 10 13)","where":"base-form","citation":{"page":254,"quote":"Handling Of Property \"Bodily injury\" or \"property damage\" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the \"insured\" for movement into or onto the covered \"auto\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Movement Of Property By Mechanical Device (CA 00 01 10 13)","where":"base-form","citation":{"page":254,"quote":"Movement Of Property By Mechanical Device \"Bodily injury\" or \"property damage\" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Operations (CA 00 01 10 13)","where":"base-form","citation":{"page":254,"quote":"Operations \"Bodily injury\" or \"property damage\" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of \"mobile equipment\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Completed Operations (CA 00 01 10 13)","where":"base-form","citation":{"page":254,"quote":"Completed Operations \"Bodily injury\" or \"property damage\" arising out of your work after that work has been completed or abandoned.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Pollution (CA 00 01 10 13)","where":"base-form","citation":{"page":255,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"War (CA 00 01 10 13)","where":"base-form","citation":{"page":255,"quote":"War \"Bodily injury\" or \"property damage\" arising directly or indirectly out of: a. 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Any device designed or used to detect speed-measuring equipment, such as radar or laser detectors, and any jamming apparatus intended to elude or disrupt speed-measuring equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment reproducing, receiving or transmitting audio, visual or data signals","where":"base-form","citation":{"page":256,"quote":"c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals. d. Any accessories used with the electronic equipment described in Paragraph c. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment sub-limit","where":"base-form","citation":{"page":257,"quote":"All electronic equipment that reproduces, receives or transmits audio, visual or data signals in any one \"loss\" is $1,000","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Diminution in value","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Transportation Expenses – Towing","where":"base-form","citation":{"page":256,"quote":"We will pay up to $20 per day, to a maximum of $600, for temporary transportation expense incurred by you because of the total theft of a covered \"auto\" of the private passenger type.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":600,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Loss Of Use Expenses For Hired Auto Physical Damage","where":"base-form","citation":{"page":256,"quote":"the most we will pay for any expenses for loss of use is $20 per day, to a maximum of $600.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":600,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Disciplinary proceedings defense costs","where":"base-form","citation":{"page":277,"quote":"We will reimburse you for reasonable legal services charged by a lawyer we agree to and other expenses you may incur in the investigation and defense of \"disciplinary proceeding(s)\" brought against you arising out of a \"professional incident\" that is otherwise covered by this policy. This Coverage is limited to $100,000 per \"professional incident\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Formal accreditation board defense costs","where":"base-form","citation":{"page":277,"quote":"We will reimburse you for reasonable legal services charged by a lawyer we agree to and other expenses you may incur arising out of any act or omission in the furnishing or failure to furnish services as a formal accreditation, standards review or similar board. This Coverage is limited to $100,000 per incident.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Expected or intended damages","where":"base-form","citation":{"page":275,"quote":"This insurance does not apply to \"damages\": 1. Expected or intended from the standpoint of the insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Breach of contract or agreement","where":"base-form","citation":{"page":275,"quote":"2. For any actual or alleged breach of contract or agreement. This exclusion does not apply to liability for \"damages\" that the insured would have in the absence of the contract or agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Hospital, sanatorium, medical clinic or medical facility or laboratory","where":"base-form","citation":{"page":275,"quote":"3. Arising out of the operation of any hospital, sanatorium, \"medical clinic\", or any other medical facility or laboratory.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Aircraft, auto, or watercraft","where":"base-form","citation":{"page":275,"quote":"4. Arising out of the ownership, maintenance, use or entrustment to others of any aircraft, \"auto\", or watercraft owned or operated by or rented or loaned to any insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Prescription, utilization, furnishing, or dispensing of drugs or medical supplies","where":"base-form","citation":{"page":275,"quote":"5. Arising out of the prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances, except as directed by a physician, physician assistant, nurse, or a psychologist as permitted under state law, and in the normal practice as a human services organization provider.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Services of psychiatrist","where":"base-form","citation":{"page":275,"quote":"6. Arising out of the professional services of any psychiatrist. 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Arising out of the furnishing or failure to furnish professional services by an attorney, architect, engineer, accountant, real estate or investment manager, physician, dentist, anesthesiologist, nurse anesthetist, nurse midwife, x-ray therapist, radiologist, chiropodist, chiropractor, optometrist,","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Membership in formal accreditation or professional board or committee","where":"base-form","citation":{"page":276,"quote":"8. Arising out of membership in a formal accreditation or similar professional board or committee or any hospital or professional society.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Injury to any insured or consequential injury to family members","where":"base-form","citation":{"page":276,"quote":"9. Arising out of injury to any insured, or any consequential injury to the spouse, child, parent, brother or sister of that insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Workers compensation, disability benefits or unemployment compensation","where":"base-form","citation":{"page":275,"quote":"10. Arising out of any obligation of the insured under a workers compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Employment-related practices and discrimination","where":"base-form","citation":{"page":276,"quote":"11. Arising out of any claim made by: a. A person because of any: (1) Refusal to employ that person; (2) Termination of that person's employment; or (3) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation or discrimination directed at that person","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Advertising injury or personal injury","where":"base-form","citation":{"page":275,"quote":"12. Arising out of \"advertising injury\" or \"personal injury\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Damage to property owned, occupied or used by insured","where":"base-form","citation":{"page":276,"quote":"13. Arising out of damage to property: a. Owned, occupied or used by any insured; b. Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by any insured; c. Which is or was in the possession of any insured or any person acting on behalf of any insured; or d. That is real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are or were performing operations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Pollution hazard, Nuclear hazard, Asbestos hazard, Lead hazard","where":"base-form","citation":{"page":276,"quote":"14. Arising out of any: a. \"Pollution hazard\"; b. \"Nuclear hazard\"; c. \"Asbestos hazard\"; or d. \"Lead hazard\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Discrimination","where":"base-form","citation":{"page":277,"quote":"15. Arising out of actual or alleged discrimination.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Unfair competition or violation of anti-trust laws","where":"base-form","citation":{"page":277,"quote":"16. Arising out of unfair competition or violation of any anti-trust laws.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Inability or failure to collect or pay money","where":"base-form","citation":{"page":277,"quote":"17. Arising out of the inability or failure of the insured or others to collect or pay money.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Personal profit or advantage","where":"base-form","citation":{"page":277,"quote":"18. Arising out of an insured gaining any personal profit or advantage to which they are not legally entitled.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"ERISA liability","where":"base-form","citation":{"page":277,"quote":"19. Arising out of liability under the Employment Retirement Income Security Act of 1974 and any amendments to that law, or any similar federal or state law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Criminal, dishonest, fraudulent or malicious act or omission","where":"base-form","citation":{"page":277,"quote":"20. Arising out of any criminal, dishonest, fraudulent or malicious act or omission.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Claim made by another insured","where":"base-form","citation":{"page":277,"quote":"21. Arising out of any claim made or \"suit\" brought against an insured by another insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Managerial or administrative acts, errors or omissions","where":"base-form","citation":{"page":277,"quote":"22. Arising out of acts, errors or omissions of a managerial or administrative nature.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Physical or sexual abuse or molestation","where":"base-form","citation":{"page":277,"quote":"23. Arising out of: a. The actual or threatened physical or sexual abuse or molestation by anyone of any person while in the care, custody or control of any insured","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Amendment of Exclusion – Prescription/Nonprescription Drugs, Supplies or Appliances","where":"endorsement","citation":{"page":284,"quote":"AMENDMENT OF EXCLUSION – PRESCRIPTION/NONPRESCRIPTION DRUGS, SUPPLIES OR APPLIANCES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-024","carrierNoticedReduction":false},{"label":"Maryland Changes – No defense coverage for health care provider disciplinary hearing","where":"endorsement","citation":{"page":285,"quote":"There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-MD-1","carrierNoticedReduction":true},{"label":"Maryland Changes – Collision Coverage in Mexico","where":"endorsement","citation":{"page":263,"quote":"MARYLAND CHANGES – COLLISION COVERAGE IN MEXICO For a covered \"auto\" licensed or principally garaged in Maryland, this endorsement modifies insurance provided under the following:","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 06","carrierNoticedReduction":false},{"label":"California Changes – Other Insurance Condition","where":"endorsement","citation":{"page":264,"quote":"CALIFORNIA CHANGES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 43","carrierNoticedReduction":false},{"label":"Maryland Changes – Other Insurance Condition Primary","where":"endorsement","citation":{"page":266,"quote":"MARYLAND CHANGES","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 70","carrierNoticedReduction":false},{"label":"Abusive Conduct – General","where":"base-form","citation":{"page":289,"quote":"2. Exclusions This insurance does not apply to: a. Any \"claim\" or \"suit\" against any person who personally takes part in any \"abusive conduct\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive Conduct – Intentional failure to report","where":"base-form","citation":{"page":289,"quote":"b. Any \"claim\" or \"suit\" against any person who intentionally fails to report \"abusive conduct\" committed by an \"employee,\" \"volunteer worker\" or any other person for whom any insured is legally responsible","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive Conduct – Intentional or criminal act","where":"base-form","citation":{"page":289,"quote":"c. Any \"claim\" or \"suit\" against any person who commits an intentional or criminal act","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive Conduct – Prior knowledge of abuse","where":"base-form","citation":{"page":289,"quote":"d. Any \"claim\" or \"suit\" against any \"employee,\" \"volunteer worker\" or any other person for whom any insured is or ever was legally responsible if at the time of this policy's inception any insured was aware of actual or alleged \"abusive conduct\" by such person","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive Conduct – Sexual discrimination and sexual harassment","where":"base-form","citation":{"page":290,"quote":"m. 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Page count reflects all 30 pages provided.","carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"pageCount":84,"confidence":"medium","namedInsured":{"value":"Vietnam Veterans of America Inc.\nChapters and State Councils","citation":{"page":1,"quote":"NAMED INSURED:  Vietnam Veterans of America Inc.\n                Chapters and State Councils","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"policyNumber":{"value":"PHUB902534-013","citation":{"page":1,"quote":"POLICY NUMBER:  PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":84,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"vva-umbrella_philadelphia-indemnity_PHUB902534","role":"umbrella","term":{"effective":{"value":"2025-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM 03/01/2025 TO 03/01/2026","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"expiration":{"value":"2026-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM 03/01/2025 TO 03/01/2026","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"notes":"The Employers' Liability section of the Schedule of Underlying Insurance (page 3) is blank — no company, policy number, period, or limits are printed. The Employee Benefits Liability, Abusive Conduct Liability, Directors & Officers Liability, Liquor Liability (page 4), Watercraft Liability, and Other Coverages (page 5) schedule rows are also blank. Only three rows carry printed values: Commercial General Liability, Commercial Auto Liability, and Professional Liability, all under policy PHPK2661220-013. The retained limit of $10,000 is labeled 'RETAINED LIMIT' rather than 'self-insured retention' or 'deductible'; it has been recorded as selfInsuredRetention as that is the instrument most consistent with umbrella policy usage, but the document does not use either term explicitly. The form PI-CXL-085 (Professional Liability Coverage Sub-Limit) is attached, which may impose a sublimit on professional liability coverage under this umbrella, but the sublimit amount is not printed on the declarations page or form schedule; the form itself was not provided in these pages. The form PI-CXL-113 (Per Location / Per Project Agg Limit Of Ins Exclusion) is attached, indicating a per-project aggregate exclusion rather than a per-project aggregate grant; perProjectAggregate has been omitted accordingly.","limits":{"eachOccurrence":{"value":5000000,"citation":{"page":1,"quote":"EACH OCCURRENCE LIMIT (LIABILITY COVERAGE) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":1,"quote":"GENERAL AGGREGATE LIMIT (LIABILITY COVERAGE) (except with respect to Auto Liability and Products Completed Operations) $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":5000000,"citation":{"page":1,"quote":"PERSONAL & ADVERTISING INJURY LIMIT $ 5,000,000 Any one person or organization","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":5000000,"citation":{"page":1,"quote":"PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT $ 5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"carrier":{"value":"Philadelphia Indemnity Insurance Company","citation":{"page":1,"quote":"Philadelphia Indemnity Insurance Company","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"premium":{"value":49307,"citation":{"page":2,"quote":"PREMIUM SUBTOTAL $ 49,307.00","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":{"value":10000,"citation":{"page":1,"quote":"RETAINED LIMIT: $ 10,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},"confidence":"high","documentIds":["vva-umbrella_philadelphia-indemnity_PHUB902534"],"namedInsured":{"value":"Vietnam Veterans of America Inc. Chapters and State Councils","citation":{"page":1,"quote":"NAMED INSURED: Vietnam Veterans of America Inc. Chapters and State Councils","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"policyNumber":{"value":"PHUB902534-013","citation":{"page":1,"quote":"POLICY NUMBER: PHUB902534-013","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"restrictions":[{"label":"Directors and Officers Liability","where":"endorsement","citation":{"page":38,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising from any \"wrongful act\" of any director or officer of the insured in the discharge or performance of their duties as such.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-004","carrierNoticedReduction":false},{"label":"Employers' Liability (Stop Gap)","where":"endorsement","citation":{"page":39,"quote":"This insurance does not apply to any liability for \"bodily injury,\" disability or shock, including death at any time resulting from any of these, and, if arising out of the foregoing mental anguish or mental injury sustained by: 1. An \"employee\" of the insured arising out of and in the course of employment by the insured; or 2. The spouse, child, parent, brother or sister of that \"employee\" as a consequence of 1. above.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-006","carrierNoticedReduction":false},{"label":"Abuse or Molestation","where":"endorsement","citation":{"page":40,"quote":"This insurance does not apply to any injury, liability, damage, loss, cost or expense sustained or incurred by any person arising out of or resulting from the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-007","carrierNoticedReduction":false},{"label":"Subsidence","where":"endorsement","citation":{"page":41,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense, whether direct or indirect, arising out of, caused by, resulting from, contributed to or aggravated by the subsidence of land, including any: settling, expansion, sinking, slipping, falling away, tilting, caving in, shifting, eroding, mud flow, rising, or any other movement of land or earth if any of the foregoing emanate from the operations of the insured or any other person for whose acts the insured is legally liable.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-014","carrierNoticedReduction":false},{"label":"Athletic Participants and Officials","where":"endorsement","citation":{"page":42,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense for injury sustained by: Any person while practicing for, or participating in, or officiating at, any athletic contest or exhibition; or Any person specified below:","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-015","carrierNoticedReduction":false},{"label":"Trampoline","where":"endorsement","citation":{"page":43,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. The ownership, maintenance or use of trampolines; or b. The supervision of any person using a trampoline.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-021","carrierNoticedReduction":false},{"label":"Fungi or Bacteria","where":"endorsement","citation":{"page":45,"quote":"This insurance does not apply to: Fungi or Bacteria 1. \"Bodily injury,\" \"property damage,\" or \"personal and advertising injury\" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any \"fungi\" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-032","carrierNoticedReduction":false},{"label":"Cap on Losses from Certified Acts of Terrorism","where":"endorsement","citation":{"page":46,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-039","carrierNoticedReduction":false},{"label":"Medical Professional Liability","where":"endorsement","citation":{"page":48,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of any \"professional incident\" by any \"medical professional.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-047","carrierNoticedReduction":false},{"label":"Employee Benefits Liability","where":"endorsement","citation":{"page":50,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of an act, error or omission committed in the \"administration\" of your \"employee benefit program.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-068","carrierNoticedReduction":false},{"label":"Lead Liability","where":"endorsement","citation":{"page":51,"quote":"This insurance does not apply to any liability, damage, loss, cost or expense arising out of: a. Exposure to or existence of lead, paint containing lead, or any other material or substance containing lead","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-075","carrierNoticedReduction":false},{"label":"Professional Liability Coverage Sub-Limit","where":"endorsement","citation":{"page":52,"quote":"Each Professional Incident Limit: $5,000,000 Aggregate Limit: $5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":5000000,"formNumber":"PI-CXL-085","carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-Related Liability","where":"endorsement","citation":{"page":53,"quote":"This insurance does not apply to: u. Access or Disclosure of Confidential or Personal Information and Data-related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-088","carrierNoticedReduction":false},{"label":"Automobile Liability (Sublimit)","where":"endorsement","citation":{"page":55,"quote":"Each Occurrence Limit: $5,000,000","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":5000000,"formNumber":"PI-CXL-092","carrierNoticedReduction":false},{"label":"Recording and Distribution of Material or Information in Violation of Law","where":"endorsement","citation":{"page":56,"quote":"This insurance does not apply to \"personal and advertising injury\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA)","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-099","carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","citation":{"page":57,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-100","carrierNoticedReduction":false},{"label":"Limit of Insurance Exclusion Clause Minimum Limit Requirement","where":"endorsement","citation":{"page":60,"quote":"This policy does not follow and shall not become excess of any coverage which incorporates a limit of insurance or sub-limit of insurance that is less than $1,000,000 and is attached to any \"underlying insurance\" shown in the Schedule of Underlying Insurance","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-111","carrierNoticedReduction":false},{"label":"Silica or Silica-Related Dust","where":"endorsement","citation":{"page":62,"quote":"This insurance does not apply to: Silica or Silica-Related Dust Any liability, damage, loss, cost or expense arising, in whole or in part, out of: 1. The actual, alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, \"silica\" or \"silica-related dust.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-117","carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion","where":"endorsement","citation":{"page":63,"quote":"This insurance does not apply to: Communicable Disease Any liability, damage, loss, cost or expense arising, in whole or in part, out of the actual, alleged, threatened or suspected transmission of a communicable disease.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-132","carrierNoticedReduction":false},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS)","where":"endorsement","citation":{"page":64,"quote":"This insurance does not apply to: Perfluorinated Compounds (PFC) or Per- and Polyfluoroalkyl Substances (PFAS) 1. Any injury, damage, loss, cost or expense arising out of, in any way related to, or which would not have occurred in whole or in part, but for the actual, alleged, threatened or suspected: a. Inhalation of, ingestion of, contact with, exposure to, existence of, absorption of, or presence of, any and all \"PFC/PFAS\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-137","carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","citation":{"page":7,"quote":"EXCLUSION – ADOPTION AND FOSTER CARE OPERATIONS","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-HS-029","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","citation":{"page":12,"quote":"Expected Or Intended Injury \"Bodily injury\" or \"property damage\" expected or intended from the standpoint of the insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Workers Compensation and Similar Laws","where":"base-form","citation":{"page":12,"quote":"Workers Compensation and Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Employment Related Practices","where":"base-form","citation":{"page":12,"quote":"Employment Related Practices \"Bodily injury\" or \"personal and advertising injury\" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or (c) Employment related practices, policies, acts or omissions such as discrimination, criticism, self-defamation, coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation or malicious prosecution directed at that person","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":13,"quote":"War \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" however caused arising, directly or indirectly out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Rebellion, revolution, insurrection, usurped power or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"E.R.I.S.A.","where":"base-form","citation":{"page":13,"quote":"E.R.I.S.A. Any obligation of the insured under the Employees' Retirement Income Security Act (E.R.I.S.A.) and any amendments thereto or any similar federal, state, or local statute.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":13,"quote":"Contractual Liability \"Bodily injury\" or \"property damage\" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Aircraft or Watercraft","where":"base-form","citation":{"page":13,"quote":"Aircraft or Watercraft \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance, use or entrustment to others of any aircraft or watercraft owned, or operated by; or rented or loaned to any insured.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Auto Coverages","where":"base-form","citation":{"page":14,"quote":"Auto Coverages (1) \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance or use of any \"auto\" which is not an \"auto\" covered by \"underlying insurance\"; or (2) Any loss, cost or expense payable under or resulting from any first party physical damage coverage; no-fault law; personal injury protection or auto medical payment coverage; or uninsured or underinsured motorist law.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Other Personal and Advertising Injury Exclusions","where":"base-form","citation":{"page":14,"quote":"Other Personal and Advertising Injury Exclusions \"Personal and advertising injury\": (1) Knowing Violation of Rights of Another Caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict \"personal and advertising injury.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Property","where":"base-form","citation":{"page":16,"quote":"Damage to Property \"Property damage\" to property: (1) You own, rent or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Your 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inadequacy or dangerous condition in \"your product\" or \"your work\"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Recall of Products, Work or Impaired Property","where":"base-form","citation":{"page":17,"quote":"Recall of Products, Work or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) \"Your product\"; (2) \"Your work\"; or (3) \"Impaired property\"; if such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in 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successors","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Liquor Liability","where":"base-form","citation":{"page":21,"quote":"Liquor Liability \"Bodily injury\" or \"property damage\" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Trade or Economic Sanctions","where":"base-form","citation":{"page":21,"quote":"Trade or Economic Sanctions To the extent that trade or economic sanctions or other laws or regulations prohibit us from providing 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