{"id":"review-mt8w0als","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\nChapters and State Councils","policyNumber":"PHPK2661220-013","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":"NONE","aggregateErosion":null,"generalAggregate":3000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":1000000,"productsCompletedOpsAggregate":3000000},{"line":null,"role":"umbrella","limit":5000000,"carrier":"Philadelphia Indemnity Insurance Company","inTower":true,"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. Chapters and State Councils","policyNumber":"PHUB902534-013","scheduledOnly":false,"attachmentPoint":1000000,"exhaustionPoint":6000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"per-occurrence","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":10000,"personalAdvertisingInjury":5000000,"productsCompletedOpsAggregate":5000000}],"totalLimit":6000000,"towerIssues":[],"restrictions":[{"label":"Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2106","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2106","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Employment-Related Practices Exclusion","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2147","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2147","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fungi Or Bacteria Exclusion","where":"endorsement","source":"form-number","citation":{"page":16,"quote":"CG2167","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CG2167","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","source":"policy-language","citation":{"page":72,"quote":"NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 00 21 09 08","alsoProvisions":["Bodily injury or property damage with respect to nuclear material and nuclear facilities","Medical Payments coverage - nuclear material","Liability Coverage - hazardous properties of nuclear material"],"carrierNoticedReduction":false},{"label":"Appraisal Condition","where":"endorsement","source":"policy-language","citation":{"page":76,"quote":"The Appraisal Condition in: 1. Business Income (And Extra Expense) Coverage Form CP 00 30; and 2. Business Income (Without Extra Expense) Coverage Form CP 00 32; is replaced by the following: If we and you disagree on the amount of Net Income and operating expense or the amount of loss, either may make written request for an appraisal of the loss.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 04 07 20","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation or Fraud","where":"endorsement","source":"policy-language","citation":{"page":77,"quote":"We will not pay for any loss (\"loss\") or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. Fraud; committed by an insured (\"insured\") at any time and relating to a claim under this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 10 09 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Domestic Partnership","where":"endorsement","source":"policy-language","citation":{"page":78,"quote":"All references to spouse shall include an individual who is in a domestic partnership recognized under Nevada law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 01 15 01 10","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cancellation and Nonrenewal","where":"endorsement","source":"policy-language","citation":{"page":81,"quote":"We do not provide coverage in any case of fraud by you, at any time, as it relates to this insurance. We also do not provide coverage if you or any other insured (\"insured\"), at any time, intentionally conceals or misrepresents a material fact concerning: 1. This insurance; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this insurance.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 02 07 12 17","alsoProvisions":["Concealment, Misrepresentation Or Fraud"],"carrierNoticedReduction":false},{"label":"Midterm Cancellation","where":"endorsement","source":"policy-language","citation":{"page":82,"quote":"If this policy has been in effect for 70 days or more, or if this policy is a renewal of a policy we issued, we may cancel only for one or more of the following reasons","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 02 51 09 07","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cancellation and Nonrenewal","where":"endorsement","source":"policy-language","citation":{"page":84,"quote":"If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued, we may cancel this policy by mailing or delivering to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, advance written notice of cancellation, stating the reason for cancellation","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 02 70 07 20","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap On Losses From Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":88,"quote":"If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"IL 09 52 01 15","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","source":"policy-language","citation":{"page":89,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-ACL-001","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Abuse or Molestation Exclusion Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":100,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person caused by the alleged, actual or threatened abuse or molestation by anyone.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-018","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion – Adoption and Foster Care Operations","where":"endorsement","source":"policy-language","citation":{"page":95,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, act, error and omission, sum, or damage alleging, arising out of or from, attributable to, or giving rise to any injury sustained by any person or organization and which is: A. Caused by alleged, actual or threatened abuse or molestation by anyone","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-029","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Communicable Disease Exclusion Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":327,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PI-PROF-002 (06/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – FLORIDA – PI-PROF-002 FL (05/21) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – GEORGIA – PI-PROF-002 GA (11/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – ILLINOIS – PI-PROF-002 IL (06/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – MONTANA – PI-PROF-002 MT (06/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PENNSYLVANIA – PI-PROF-002 PA (06/20) COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – VERMONT – PI-PROF-002 VT (06/21) This endorsement excludes coverage f or prof essional liability arising out of the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-PROF-002","alsoProvisions":["Absolute Communicable Disease Exclusion - Professional Liability"],"carrierNoticedReduction":true},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability","where":"endorsement","source":"policy-language","citation":{"page":325,"quote":"NOTICE OF REDUCTION IN COVERAGE This is a summary of changes in your policy. No coverage is provided by this summary nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page f or complete inf ormation on the coverages you are provided. If there is any conflict between the policy and this summary, THE PROVISIONS OF THE POLICY SHALL PREVAIL. The major areas within the policy that broaden or reduce coverage, and other changes, are highlighted below. This notice does not ref erence every editorial change made in your policy. The material in this notice makes reference to endorsement numbers; however, not all forms are included in a particular policy. You should review your Declarations to see what form(s) apply to your policy. Your policy is being renewed with the following endorsement: ________________________________________________________________________ _____________________ TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY– PI-PROF-003 (02/24) TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY – ALASKA- PI-PROF-003 AK (02/24) TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) – OREGON- PI-PROF-003 OR (02/24) TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) – WASHINGTON - PI-PROF-003 WA (02/24) ___________________________________________________________________________________________ This exclusion excludes coverage for liability arising out of, in any way related to, or would not have occurred in whole or in part f or the actual or alleged exposure to Perf luorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS).","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-PROF-003","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Property Not Covered – Electronic data","where":"base-form","source":"policy-language","citation":{"page":114,"quote":"If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":25000,"formNumber":"CP 00 10","alsoProvisions":["Debris Removal – sub-limit","Fire Department Service Charge","Pollutant Clean-up And Removal – sub-limit","Increased Cost Of Construction – sub-limit","Electronic Data – sub-limit","Newly Acquired Or Constructed Property – Building Extension","Newly Acquired Or Constructed Property – Business Personal Property Extension","Personal Effects And Property Of Others Extension","Valuable Papers And Records Extension","Property Off-premises Extension","Outdoor Property Extension","Non-owned Detached Trailers Extension","Business Personal Property Temporarily In Portable Storage Units Extension","Outdoor Signs – sub-limit","Vacancy Condition"],"carrierNoticedReduction":false},{"label":"Legal Action Against Us","where":"base-form","source":"policy-language","citation":{"page":119,"quote":"No one may bring a legal action against us under this Coverage Part unless: 1. There has been full compliance with all of the terms of this Coverage Part; and 2. The action is brought within 2 years after the date on which the direct physical loss or damage occurred.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 00 90","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","source":"policy-language","citation":{"page":121,"quote":"We will not pay for loss or damage caused by or resulting from any virus, bacterium or other micro-organism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 01 40 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"California Changes – Replacement Cost","where":"endorsement","source":"policy-language","citation":{"page":122,"quote":"This Optional Coverage does not apply to: a. Personal property of others; b. Contents of a residence; c. Works of art, antiques or rare articles, including etchings, pictures, statuary, marbles, bronzes, porcelains and bric-a-brac; or d. \"Stock\", unless the Including \"Stock\" option is shown in the Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 04 49 12 05","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Ordinance Or Law","where":"base-form","source":"policy-language","citation":{"page":132,"quote":"The most we will pay for loss or damage under this Extension is $5,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":15000,"formNumber":"CP 10 30 10 12","alsoProvisions":["Earth Movement","Governmental Action","Nuclear Hazard","Utility Services","War And Military Action","Water","Fungus, Wet Rot, Dry Rot And Bacteria","Artificially Generated Electrical, Magnetic or Electromagnetic Energy","Delay, Loss of Use or Loss of Market","Smoke, Vapor or Gas from Agricultural Smudging or Industrial Operations","Wear and Tear, Rust, Corrosion, Decay, Deterioration","Explosion of Steam Boilers, Steam Pipes, Steam Engines or Steam Turbines","Continuous or Repeated Seepage or Leakage of Water","Water, Other Liquids, Powder or Molten Material from Freezing","Dishonest or Criminal Act","Voluntary Parting with Property","Rain, Snow, Ice or Sleet to Personal Property in the Open","Collapse","Discharge, Dispersal, Seepage, Migration, Release or Escape of Pollutants","Neglect of an Insured to Use All Reasonable Means to Save and Preserve Property","Limited Coverage for Fungus, Wet Rot, Dry Rot and Bacteria","Property In Transit Extension"],"carrierNoticedReduction":false},{"label":"Ordinance Or Law","where":"base-form","source":"policy-language","citation":{"page":142,"quote":"The most we will pay for loss or damage under this Extension is $5,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":15000,"formNumber":"CP 10 30 09 17","alsoProvisions":["Earth Movement","Governmental Action","Nuclear Hazard","Utility Services","War And Military Action","Water","Fungus, Wet Rot, Dry Rot And Bacteria","Artificially Generated Electrical, Magnetic or Electromagnetic Energy","Delay, Loss of Use or Loss of Market","Smoke, Vapor or Gas from Agricultural Smudging or Industrial Operations","Wear and Tear, Rust, Corrosion, Decay, Deterioration","Explosion of Steam Boilers, Steam Pipes, Steam Engines or Steam Turbines","Continuous or Repeated Seepage or Leakage of Water","Water, Other Liquids, Powder or Molten Material from Freezing","Dishonest or Criminal Act","Voluntary Parting with Property","Rain, Snow, Ice or Sleet to Personal Property in the Open","Collapse","Discharge, Dispersal, Seepage, Migration, Release or Escape of Pollutants","Neglect of an Insured to Use All Reasonable Means to Save and Preserve Property","Limited Coverage for Fungus, Wet Rot, Dry Rot and Bacteria","Property In Transit Extension"],"carrierNoticedReduction":false},{"label":"Mold Exclusion","where":"endorsement","source":"policy-language","citation":{"page":144,"quote":"Mold Mold or other fungi, wet or dry rot, dampness of atmosphere, or extremes of temperature, however caused. But if Mold is the result of a Covered Cause of Loss, we will pay for the loss or damage caused by Mold. 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COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) 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":"PI-GL-042 (04/22)","alsoProvisions":["Exclusion - Lead Liability"],"carrierNoticedReduction":false},{"label":"General Liability Deluxe Endorsement: Human Services","where":"endorsement","source":"policy-language","citation":{"page":198,"quote":"GENERAL LIABILITY DELUXE ENDORSEMENT: HUMAN SERVICES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-GLD-HS (10/11)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Exclusion Professional Liability Coverage","where":"endorsement","source":"policy-language","citation":{"page":210,"quote":"EXCLUSION PROFESSIONAL LIABILITY COVERAGE 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":"PI-HS-005 (07/04)","alsoProvisions":["Exclusion - Asbestos Liability"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":216,"quote":"Nuclear Incidents Or Conditions Due to nuclear reaction, nuclear radiation or radioactive contamination or to any related act or condition.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-MANU-1","alsoProvisions":["Contractual Liability","Completed 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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":["Exclusion - Professional Liability Coverage"],"carrierNoticedReduction":false},{"label":"Governmental Action","where":"base-form","source":"policy-language","citation":{"page":237,"quote":"Unexplained disappearance.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CM 00 01","alsoProvisions":["Nuclear Hazard","War and Military Action","Delay, loss of use, loss or market, or any other consequential loss","Dishonest acts","Unexplained disappearance","Shortage found upon taking inventory","Processing or work upon the covered Property","Artificially generated current creating a short circuit or other electrical disturbance","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"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":258,"quote":"We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":1000,"formNumber":"CA 00 01","alsoProvisions":["Contractual Liability","Workers' Compensation","Employee Indemnification And Employer's Liability","Fellow Employee","Care, Custody Or Control","Handling Of Property","Movement Of Property By Mechanical Device","Operations","Completed Operations","Pollution","War","Racing","Nuclear Hazard","War Or Military Action","Wear and tear, freezing, mechanical or electrical breakdown","Electronic equipment exclusions","Diminution in value","Professional or organized racing or demolition contest or stunting activity","Blowouts, punctures or other road damage to tires","Tapes, records, discs or other similar audio, visual or data electronic devices","Speed-measuring equipment detection or jamming apparatus","Electronic equipment for audio, visual or data signals","Accessories used with electronic equipment","Electronic equipment sub-limit","Transportation Expenses sub-limit","Loss Of Use Expenses For Hired Auto Physical Damage sub-limit"],"carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","source":"policy-language","citation":{"page":255,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 00 01 10 13","alsoProvisions":["Contractual Liability","Workers' Compensation","Employee Indemnification And Employer's Liability","Fellow Employee","Care, Custody Or Control","Handling Of Property","Movement Of Property By Mechanical Device","Operations","Completed Operations","Pollution","War","Racing"],"carrierNoticedReduction":false},{"label":"Maryland Changes – Collision Coverage in Mexico","where":"endorsement","source":"policy-language","citation":{"page":263,"quote":"Coverage for a \"loss\" caused by collision or overturn of a covered \"auto\" \"you\" own applies while the \"auto\" is in Mexico. However: A. The \"loss\" will be paid for in the United States. B. The most \"we\" will pay for \"loss\" is the lesser of the following amounts: 1. The cost of repairing the \"auto\" or replacing its parts in Mexico; or 2. The cost of repair or replacement at the nearest point in the United States where repair or replacement could be made.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Fellow Employee Exclusion – Maryland","where":"endorsement","source":"policy-language","citation":{"page":266,"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; or b. The spouse, child, parent, brother or sister of that fellow \"employee\" as a consequence of Paragraph a. above. However, this exclusion does not apply for coverage up to the minimum limit specified by the Maryland Vehicle Law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CA 01 70","alsoProvisions":["Racing Exclusion – Maryland","Diminution in value – Maryland removal"],"carrierNoticedReduction":true},{"label":"Expected or intended damages","where":"base-form","source":"policy-language","citation":{"page":277,"quote":"This insurance does not apply to \"damages\": 15. Arising out of actual or alleged discrimination.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":100000,"formNumber":"PI-HS-003","alsoProvisions":["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","Professional services of psychiatrist","Professional services of attorney, architect, engineer, accountant, etc.","Membership in formal accreditation or professional board","Injury to insured or consequential injury to family","Workers compensation, disability benefits, or unemployment compensation","Employment-related practices and claims","Advertising injury or personal injury","Damage to property","Pollution hazard, Nuclear hazard, Asbestos hazard, Lead hazard","Actual or alleged discrimination","Unfair competition or violation of anti-trust laws","Inability or failure to collect or pay money","Personal profit or advantage not legally entitled to","Liability under Employment Retirement Income Security Act","Criminal, dishonest, fraudulent or malicious act or omission","Claim made or suit brought by another insured","Acts, errors or omissions of managerial or administrative nature","Physical or sexual abuse or molestation","Disciplinary proceeding defense sub-limit","Accreditation, standards review board defense sub-limit"],"carrierNoticedReduction":false},{"label":"Amendment of Exclusion – Prescription/Nonprescription Drugs, Supplies or Appliances","where":"endorsement","source":"policy-language","citation":{"page":284,"quote":"Arising out of the prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances, except: a. 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, b. the dispensing of the drug Naloxone (or reasonably equivalent drug) used in response to an opioid overdose as permitted by applicable state or federal law, or c. the dispensing of nonprescription drugs.","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 coverage for health care provider disciplinary hearing defense","where":"endorsement","source":"policy-language","citation":{"page":285,"quote":"There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-HS-MD-1","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Any claim or suit against any person who personally takes part in abusive conduct","where":"base-form","source":"policy-language","citation":{"page":290,"quote":"This insurance does not apply to: ... j. Any \"defense costs\" associated with a criminal trial including appeals;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-SAM-008","alsoProvisions":["Any claim or suit against any person who intentionally fails to report abusive conduct","Any claim or suit against any person who commits an intentional or criminal act","Any claim or suit against employee, volunteer worker with known prior abusive conduct","Liability assumed by insured under contract or agreement","Workers compensation, disability benefits, or unemployment compensation obligation","Matters which may be deemed uninsurable","Claim made against insured by another insured","Claim made by employee, volunteer worker, or family member","Defense costs associated with criminal trial","Abusive conduct that predates inception of policy","Prior litigation, demand, or knowledge of abusive conduct","Sexual discrimination and/or sexual harassment"],"carrierNoticedReduction":false},{"label":"Maryland Changes – Abusive Conduct Liability – Cooperation prejudice standard","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":10,"quote":"EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form a part of your insurance contract. No coverage is provided by this Notice, nor can it be construed to replace any provisions of your policy (including its endorsements). If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) shall prevail. Carefully read your policy, including the endorsements attached to your policy. This Notice provides information concerning the following new endorsement, which applies to your new or re- newal policy being issued by us: Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 75 07 06 This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Prop- erty insurance. It points out that there is no coverage under such insurance for loss or damage caused by or re- sulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"CP 01 75 07 06","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"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":"CP 01 40","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) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – ALASKA – PI-CXL-132 AK (06/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – ILLINOIS – PI-CXL-132 IL (06/20) COMMUNICABLE DISEASE EXCLUSION – NEW YORK – PI-CXL-132 NY (08/23) COMMUNICABLE DISEASE EXCLUSION – VERMONT – PI-CXL-132 VT (06/21) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – WASHINGTON – PI-CXL-132 WA (01/21) This endorsement adds an exclusion to the Umbrella f or claims related to the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"policyId":"vva-gl-package_philadelphia-indemnity_PHPK2661220","subLimit":null,"formNumber":"PI-CXL-132","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":24,"quote":"NOTICE OF REDUCTION IN COVERAGE This is a summary of changes in your policy... 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":true},{"label":"Communicable Disease Exclusion for Garage Operations","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":true},{"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":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":"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":"Notwithstanding any provision to the contrary, this policy will provide the Applicable Professional Liability Coverage(s) subject to the Professional Liability Coverage Sub-Limits shown in the endorsement SCHEDULE above. These sub-limits are part of, and not in addition to, the Limits of Insurance stated in the Declarations.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":5000000,"formNumber":"PI-CXL-085","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-related Liability","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":"Notwithstanding any provision to the contrary, this policy will provide auto liability coverage subject to the AUTOMOBILE LIABILITY SUB-LIMIT shown in the endorsement SCHEDULE above.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":5000000,"formNumber":"PI-CXL-092","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Recording and Distribution of Material or Information in Violation of Law – Personal and Advertising Injury","where":"endorsement","source":"policy-language","citation":{"page":56,"quote":"This insurance does not apply to \"personal and advertising injury\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-099","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","source":"policy-language","citation":{"page":57,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information, including but not limited to patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information, biometrics, or any other type of nonpublic information","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-100","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limit of Insurance Exclusion Clause Minimum Limit Requirement","where":"endorsement","source":"policy-language","citation":{"page":60,"quote":"This policy does not follow and shall not become excess of any coverage which incorporates a limit of insurance or sub-limit of insurance that is less than $1,000,000 and is attached to any \"underlying insurance\" shown in the Schedule of Underlying Insurance.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-111","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Per Location / Per Project Aggregate Limit of Insurance Exclusion","where":"endorsement","source":"policy-language","citation":{"page":61,"quote":"Any per location or per project aggregate limit of insurance that is extended by a policy of \"underlying insurance\" will not apply to any coverage provided by this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"policyId":"vva-umbrella_philadelphia-indemnity_PHUB902534","subLimit":null,"formNumber":"PI-CXL-113","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Silica or Silica-Related Dust","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":28},"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) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – FLORIDA – PI-PROF-002 FL (05/21) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – GEORGIA – PI-PROF-002 GA (11/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – ILLINOIS – PI-PROF-002 IL (06/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – MONTANA – PI-PROF-002 MT (06/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PENNSYLVANIA – PI-PROF-002 PA (06/20) COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – VERMONT – PI-PROF-002 VT (06/21) This endorsement excludes coverage f or prof essional liability arising out of the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":325,"quote":"NOTICE OF REDUCTION IN COVERAGE This is a summary of changes in your policy. No coverage is provided by this summary nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page f or complete inf ormation on the coverages you are provided. If there is any conflict between the policy and this summary, THE PROVISIONS OF THE POLICY SHALL PREVAIL. The major areas within the policy that broaden or reduce coverage, and other changes, are highlighted below. This notice does not ref erence every editorial change made in your policy. The material in this notice makes reference to endorsement numbers; however, not all forms are included in a particular policy. You should review your Declarations to see what form(s) apply to your policy. Your policy is being renewed with the following endorsement: ________________________________________________________________________ _____________________ TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY– PI-PROF-003 (02/24) TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) PROFESSIONAL LIABILITY – ALASKA- PI-PROF-003 AK (02/24) TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) – OREGON- PI-PROF-003 OR (02/24) TOTAL EXCLUSION – PERFLUORINATED COMPOUNDS (PFC) / PER- AND POLYFLUOROALKYL SUBSTANCES (PFAS) – WASHINGTON - PI-PROF-003 WA (02/24) ___________________________________________________________________________________________ This exclusion excludes coverage for liability arising out of, in any way related to, or would not have occurred in whole or in part f or the actual or alleged exposure to Perf luorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS).","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":148,"quote":"Mismatch (1) Mismatch of color between undamaged roof or siding material on buildings or structures and new roof or siding material used to repair or replace the damaged roof or siding on buildings or structures","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":149,"quote":"Existing Damage (1) Any loss or damage commencing prior to the Policy Period shown in the Declarations regardless of whether loss or damage was apparent at the inception date of this policy or at a later date","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 (5 endorsements across coverage parts); total exclusion – perfluorinated compounds (pfc) / per- and polyfluoroalkyl substances (pfas) professional liability; mismatch; existing damage; fellow employee.","ruleVersion":"e3496ae3227a"},{"id":"finding-global.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":114,"quote":"If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":132,"quote":"The most we will pay for loss or damage under this Extension is $5,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":142,"quote":"The most we will pay for loss or damage under this Extension is $5,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},{"page":144,"quote":"Mold Mold or other fungi, wet or dry rot, dampness of atmosphere, or extremes of temperature, however caused. But if Mold is the result of a Covered Cause of Loss, we will pay for the loss or damage caused by Mold. The most we will pay for such loss or damage is $10,000.","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. Property Not Covered – Electronic data is capped at 25,000. Ordinance Or Law is capped at 15,000. Ordinance Or Law is capped at 15,000. Mold Exclusion is capped at 10,000.","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-mt8w0als","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-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 (policy number PHPK2661220-013) containing: Common Policy Declarations (pages 1-2), Form Schedule – Policy (page 3), Locations Schedule (page 4), Additional Insured Schedule (pages 5-7), Fees and Surcharge Schedule (page 8), advisory notices (pages 9-11), Commercial Property Coverage Part Declarations and schedules (pages 12-14), Commercial General Liability Coverage Part Declarations and schedules (pages 15-18), Commercial Inland Marine Coverage Part Declarations and schedules (pages 19-22), California auto body notice (page 23), auto advisory notice (page 24), and Business Auto Declarations (pages 25-30). The document is typed as general-liability per task instructions because a Commercial General Liability Coverage Part appears in the premium summary and on page 15, notwithstanding that commercial property and auto coverage parts also appear. Only one policy number (PHPK2661220-013) appears throughout.","packetComplete":false},{"id":"observation-vva-umbrella_philadelphia-indemnity_PHUB902534-classifier","evidence":[],"statement":"vva-umbrella_philadelphia-indemnity_PHUB902534.pdf, from the classifier: The uploaded PDF contains a full policy packet for PHUB902534-013, not just the declarations page. Pages 1–5 are the Commercial Umbrella Liability Insurance Policy Declarations (form PI-CXL-002 05/19). Page 6 is the Form Schedule – Umbrella Liability (a schedule-of-forms document). Pages 7–8 are an endorsement (PI-HS-029 02/20, Exclusion – Adoption and Foster Care Operations) that does not bear the umbrella policy number on its face but is included in the packet. 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; the document type is therefore classified as 'declarations.' The presence of additional form types within the same PDF is noted here for downstream processing.","packetComplete":false},{"id":"observation-vva-gl-package_philadelphia-indemnity_PHPK2661220-citations","evidence":[],"statement":"vva-gl-package_philadelphia-indemnity_PHPK2661220.pdf: 443 of 482 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: 163 of 164 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-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":513,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":66098,"outputTokens":11909,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":21030,"outputTokens":577,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":32865,"outputTokens":4216,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":40506,"outputTokens":11585,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":26615,"outputTokens":2910,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":31614,"outputTokens":6801,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":30482,"outputTokens":7361,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":21872,"outputTokens":3266,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":8542,"outputTokens":518,"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 (policy number PHPK2661220-013) containing: Common Policy Declarations (pages 1-2), Form Schedule – Policy (page 3), Locations Schedule (page 4), Additional Insured Schedule (pages 5-7), Fees and Surcharge Schedule (page 8), advisory notices (pages 9-11), Commercial Property Coverage Part Declarations and schedules (pages 12-14), Commercial General Liability Coverage Part Declarations and schedules (pages 15-18), Commercial Inland Marine Coverage Part Declarations and schedules (pages 19-22), California auto body notice (page 23), auto advisory notice (page 24), and Business Auto Declarations (pages 25-30). The document is typed as general-liability per task instructions because a Commercial General Liability Coverage Part appears in the premium summary and on page 15, notwithstanding that commercial property and auto coverage parts also appear. Only one policy number (PHPK2661220-013) appears throughout.","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":0},"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 Commercial General Liability coverage part within a commercial package policy (PHPK2661220-013) issued by Philadelphia Indemnity Insurance Company. The policy is primary (no attachment point, no schedule of underlying insurance). The retroactive date field is printed as 'NONE', indicating this is an occurrence-basis policy (the retroactive date field applies to CG 00 02 only, as noted on the declarations page). Defense inside limits cannot be determined from the pages provided; the CGL coverage form CG0001 (04/13) is listed in the forms schedule but its full text was not provided, so the defense cost treatment cannot be confirmed from these pages. No deductible or self-insured retention is printed on the CGL declarations. The forms schedule on page 3 is the common policy-level schedule; the CGL-specific forms schedule appears on page 16. Both are transcribed. The policy also includes Commercial Property, Commercial Inland Marine, and Commercial Auto coverage parts with their own declarations and premiums; those are separate coverage parts and their limits are not reported here. The premium of $89,360.00 is the advance premium printed for the Commercial General Liability coverage part on page 15.","limits":{"eachOccurrence":{"value":1000000,"citation":{"page":15,"quote":"$ 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\nChapters and State Councils","citation":{"page":1,"quote":"Vietnam Veterans of America Inc\nChapters and State Councils\n8719 Colesville Rd Ste 100\nSilver Spring, MD 20910-3919","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"policyNumber":{"value":"PHPK2661220-013","citation":{"page":1,"quote":"Policy Number: PHPK2661220-013","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"confidence":"high"},"restrictions":[{"label":"Nuclear Energy Liability Exclusion","where":"endorsement","citation":{"page":72,"quote":"NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Bodily injury or property damage with respect to nuclear material and nuclear facilities","where":"endorsement","citation":{"page":72,"quote":"The insurance does not apply: A. Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (1) With respect to which an \"insured\" under the policy is also an insured under a nuclear energy liability policy","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Medical Payments coverage - nuclear material","where":"endorsement","citation":{"page":72,"quote":"B. Under any Medical Payments coverage, to expenses incurred with respect to \"bodily injury\" resulting from the \"hazardous properties\" of \"nuclear material\" and arising out of the operation of a \"nuclear facility\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Liability Coverage - hazardous properties of nuclear material","where":"endorsement","citation":{"page":72,"quote":"C. Under any Liability Coverage, to \"bodily injury\" or \"property damage\" resulting from \"hazardous properties\" of \"nuclear material\", if: (1) The \"nuclear material\" (a) is at any \"nuclear facility\" owned by, or operated by or on behalf of, an \"insured\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 00 21 09 08","carrierNoticedReduction":false},{"label":"Appraisal Condition","where":"endorsement","citation":{"page":76,"quote":"The Appraisal Condition in: 1. Business Income (And Extra Expense) Coverage Form CP 00 30; and 2. Business Income (Without Extra Expense) Coverage Form CP 00 32; is replaced by the following: If we and you disagree on the amount of Net Income and operating expense or the amount of loss, either may make written request for an appraisal of the loss.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 04 07 20","carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation or Fraud","where":"endorsement","citation":{"page":77,"quote":"We will not pay for any loss (\"loss\") or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. Fraud; committed by an insured (\"insured\") at any time and relating to a claim under this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 10 09 07","carrierNoticedReduction":false},{"label":"Domestic Partnership","where":"endorsement","citation":{"page":78,"quote":"All references to spouse shall include an individual who is in a domestic partnership recognized under Nevada law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 01 15 01 10","carrierNoticedReduction":false},{"label":"Cancellation and Nonrenewal","where":"endorsement","citation":{"page":79,"quote":"The Cancellation Common Policy Condition is amended as follows: 1. Paragraphs 2. and 3. are replaced by the following...","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 02 07 12 17","carrierNoticedReduction":false},{"label":"Concealment, Misrepresentation Or Fraud","where":"endorsement","citation":{"page":81,"quote":"We do not provide coverage in any case of fraud by you, at any time, as it relates to this insurance. We also do not provide coverage if you or any other insured (\"insured\"), at any time, intentionally conceals or misrepresents a material fact concerning: 1. This insurance; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this insurance.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 02 07 12 17","carrierNoticedReduction":false},{"label":"Midterm Cancellation","where":"endorsement","citation":{"page":82,"quote":"If this policy has been in effect for 70 days or more, or if this policy is a renewal of a policy we issued, we may cancel only for one or more of the following reasons","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 02 51 09 07","carrierNoticedReduction":false},{"label":"Cancellation and Nonrenewal","where":"endorsement","citation":{"page":84,"quote":"If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued, we may cancel this policy by mailing or delivering to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, advance written notice of cancellation, stating the reason for cancellation","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 02 70 07 20","carrierNoticedReduction":false},{"label":"Cap On Losses From Certified Acts of Terrorism","where":"endorsement","citation":{"page":88,"quote":"If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"IL 09 52 01 15","carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","citation":{"page":89,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-ACL-001","carrierNoticedReduction":false},{"label":"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":"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":"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":"Debris Removal – sub-limit","where":"base-form","citation":{"page":105,"quote":"We will pay up to an additional $25,000 for debris removal expense, for each location, in any one occurrence of physical loss or damage to Covered Property","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":25000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Fire Department Service Charge","where":"base-form","citation":{"page":106,"quote":"we will pay up to $1,000 for service at each premises described in the Declarations, unless a higher limit is shown in the Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":1000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Pollutant Clean-up And Removal – sub-limit","where":"base-form","citation":{"page":107,"quote":"The most we will pay under this Additional Coverage for each described premises is $10,000 for the sum of all covered expenses arising out of Covered Causes of Loss occurring during each separate 12-month period of this policy.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Increased Cost Of Construction – sub-limit","where":"base-form","citation":{"page":107,"quote":"The most we will pay under this Additional Coverage, for each described building insured under this Coverage Form, is $10,000 or 5% of the Limit of Insurance applicable to that building, whichever is less.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Electronic Data – sub-limit","where":"base-form","citation":{"page":109,"quote":"The most we will pay under this Additional Coverage, Electronic Data, is $2,500 (unless a higher limit is shown in the Declarations) for all loss or damage sustained in any one policy year","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Newly Acquired Or Constructed Property – Building Extension","where":"base-form","citation":{"page":109,"quote":"The most we will pay for loss or damage under this Extension is $250,000 at each building.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":250000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Newly Acquired Or Constructed Property – Business Personal Property Extension","where":"base-form","citation":{"page":109,"quote":"The most we will pay for loss or damage under this Extension is $100,000 at each building.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Personal Effects And Property Of Others Extension","where":"base-form","citation":{"page":110,"quote":"The most we will pay for loss or damage under this Extension is $2,500 at each described premises.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Valuable Papers And Records Extension","where":"base-form","citation":{"page":110,"quote":"the most we will pay to replace or restore the lost information is $2,500 at each described premises, unless a higher limit is shown in the 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unless a higher limit is shown in the Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":5000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Business Personal Property Temporarily In Portable Storage Units Extension","where":"base-form","citation":{"page":111,"quote":"Under this Extension, the most we will pay for the total of all loss or damage to business personal property is $10,000 (unless a higher limit is indicated in the Declarations for such Extension)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Outdoor Signs – sub-limit","where":"base-form","citation":{"page":111,"quote":"The most we will pay for loss or damage to outdoor signs, whether or not the sign is attached to a building, is $2,500 per sign in any one occurrence.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Vacancy Condition","where":"base-form","citation":{"page":114,"quote":"If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 00 10","carrierNoticedReduction":false},{"label":"Legal Action Against Us","where":"base-form","citation":{"page":119,"quote":"No one may bring a legal action against us under this Coverage Part unless: 1. There has been full compliance with all of the terms of this Coverage Part; and 2. The action is brought within 2 years after the date on which the direct physical loss or damage occurred.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 00 90","carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","citation":{"page":121,"quote":"We will not pay for loss or damage caused by or resulting from any virus, bacterium or other micro-organism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 01 40 07 06","carrierNoticedReduction":false},{"label":"California Changes – Replacement Cost","where":"endorsement","citation":{"page":122,"quote":"This Optional Coverage does not apply to: a. Personal property of others; b. Contents of a residence; c. Works of art, antiques or rare articles, including etchings, pictures, statuary, marbles, bronzes, porcelains and bric-a-brac; or d. \"Stock\", unless the Including \"Stock\" option is shown in the Declarations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 04 49 12 05","carrierNoticedReduction":false},{"label":"Ordinance Or Law","where":"base-form","citation":{"page":124,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. a. Ordinance Or Law The enforcement of or compliance with any ordinance or law: (1) Regulating the construction, use or repair of any property; or (2) Requiring the tearing down of any property, including the cost of removing its debris.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Earth Movement","where":"base-form","citation":{"page":124,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following... b. Earth Movement (1) Earthquake, including tremors and aftershocks and any earth sinking, rising or shifting related to such event","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Governmental Action","where":"base-form","citation":{"page":125,"quote":"c. Governmental Action Seizure or destruction of property by order of governmental authority.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","citation":{"page":125,"quote":"d. Nuclear Hazard Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Utility Services","where":"base-form","citation":{"page":125,"quote":"e. Utility Services The failure of power, communication, water or other utility service supplied to the described premises, however caused, if the failure: (1) Originates away from the described premises; or (2) Originates at the described premises, but only if such failure involves equipment used to supply the utility service to the described premises from a source away from the described premises.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"War And Military Action","where":"base-form","citation":{"page":125,"quote":"f. War And Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Water","where":"base-form","citation":{"page":125,"quote":"g. Water (1) Flood, surface water, waves (including tidal wave and tsunami), tides, tidal water, overflow of any body of water, or spray from any of these, all whether or not driven by wind (including storm surge)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Fungus, Wet Rot, Dry Rot And Bacteria","where":"base-form","citation":{"page":125,"quote":"h. \"Fungus\", Wet Rot, Dry Rot And Bacteria Presence, growth, proliferation, spread or any activity of \"fungus\", wet or dry rot or bacteria.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Artificially Generated Electrical, Magnetic or Electromagnetic Energy","where":"base-form","citation":{"page":126,"quote":"a. Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any: (1) Electrical or electronic wire, device, appliance, system or network","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Delay, Loss of Use or Loss of Market","where":"base-form","citation":{"page":126,"quote":"b. Delay, loss of use or loss of market.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Smoke, Vapor or Gas from Agricultural Smudging or Industrial Operations","where":"base-form","citation":{"page":126,"quote":"c. Smoke, vapor or gas from agricultural smudging or industrial operations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Wear and Tear, Rust, Corrosion, Decay, Deterioration","where":"base-form","citation":{"page":126,"quote":"d.(1) Wear and tear; (2) Rust or other corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Explosion of Steam Boilers, Steam Pipes, Steam Engines or Steam Turbines","where":"base-form","citation":{"page":126,"quote":"e. Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Continuous or Repeated Seepage or Leakage of Water","where":"base-form","citation":{"page":126,"quote":"f. Continuous or repeated seepage or leakage of water, or the presence or condensation of humidity, moisture or vapor, that occurs over a period of 14 days or more.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Water, Other Liquids, Powder or Molten Material from Freezing","where":"base-form","citation":{"page":126,"quote":"g. Water, other liquids, powder or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment (except fire protective systems) caused by or resulting from freezing","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Dishonest or Criminal Act","where":"base-form","citation":{"page":127,"quote":"h. Dishonest or criminal act (including theft) by you, any of your partners, members, officers, managers, employees (including temporary employees and leased workers), directors, trustees or authorized representatives, whether acting alone or in collusion with each other or with any other party","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Voluntary Parting with Property","where":"base-form","citation":{"page":127,"quote":"i. Voluntary parting with any property by you or anyone else to whom you have entrusted the property if induced to do so by any fraudulent scheme, trick, device or false pretense.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Rain, Snow, Ice or Sleet to Personal Property in the Open","where":"base-form","citation":{"page":127,"quote":"j. Rain, snow, ice or sleet to personal property in the open.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Collapse","where":"base-form","citation":{"page":127,"quote":"k. Collapse, including any of the following conditions of property or any part of the property: (1) An abrupt falling down or caving in","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Discharge, Dispersal, Seepage, Migration, Release or Escape of Pollutants","where":"base-form","citation":{"page":127,"quote":"l. Discharge, dispersal, seepage, migration, release or escape of \"pollutants\" unless the discharge, dispersal, seepage, migration, release or escape is itself caused by any of the \"specified causes of loss\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Neglect of an Insured to Use All Reasonable Means to Save and Preserve Property","where":"base-form","citation":{"page":127,"quote":"m. Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Limited Coverage for Fungus, Wet Rot, Dry Rot and Bacteria","where":"base-form","citation":{"page":131,"quote":"The coverage described under E.2. of this Limited Coverage is limited to $15,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":15000,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Property In Transit Extension","where":"base-form","citation":{"page":132,"quote":"The most we will pay for loss or damage under this Extension is $5,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":5000,"formNumber":"CP 10 30 10 12","carrierNoticedReduction":false},{"label":"Ordinance Or Law","where":"base-form","citation":{"page":134,"quote":"We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. a. Ordinance Or Law The enforcement of or compliance with any ordinance or law: (1) Regulating the construction, use or repair of any property","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Earth Movement","where":"base-form","citation":{"page":134,"quote":"b. Earth Movement (1) Earthquake, including tremors and aftershocks and any earth sinking, rising or shifting related to such event","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Governmental Action","where":"base-form","citation":{"page":135,"quote":"c. Governmental Action Seizure or destruction of property by order of governmental authority.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","citation":{"page":135,"quote":"d. Nuclear Hazard Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Utility Services","where":"base-form","citation":{"page":135,"quote":"e. Utility Services The failure of power, communication, water or other utility service supplied to the described premises, however caused, if the failure: (1) Originates away from the described premises","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"War And Military Action","where":"base-form","citation":{"page":135,"quote":"f. War And Military Action (1) War, including undeclared or civil war","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Water","where":"base-form","citation":{"page":135,"quote":"g. Water (1) Flood, surface water, waves (including tidal wave and tsunami), tides, tidal water, overflow of any body of water, or spray from any of these, all whether or not driven by wind (including storm surge)","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Fungus, Wet Rot, Dry Rot And Bacteria","where":"base-form","citation":{"page":136,"quote":"h. \"Fungus\", Wet Rot, Dry Rot And Bacteria Presence, growth, proliferation, spread or any activity of \"fungus\", wet or dry rot or bacteria.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Artificially Generated Electrical, Magnetic or Electromagnetic Energy","where":"base-form","citation":{"page":136,"quote":"a. Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any: (1) Electrical or electronic wire, device, appliance, system or network","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Delay, Loss of Use or Loss of Market","where":"base-form","citation":{"page":136,"quote":"b. Delay, loss of use or loss of market.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Smoke, Vapor or Gas from Agricultural Smudging or Industrial Operations","where":"base-form","citation":{"page":136,"quote":"c. Smoke, vapor or gas from agricultural smudging or industrial operations.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Wear and Tear, Rust, Corrosion, Decay, Deterioration","where":"base-form","citation":{"page":136,"quote":"d.(1) Wear and tear; (2) Rust or other corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Explosion of Steam Boilers, Steam Pipes, Steam Engines or Steam Turbines","where":"base-form","citation":{"page":136,"quote":"e. Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Continuous or Repeated Seepage or Leakage of Water","where":"base-form","citation":{"page":136,"quote":"f. Continuous or repeated seepage or leakage of water, or the presence or condensation of humidity, moisture or vapor, that occurs over a period of 14 days or more.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Water, Other Liquids, Powder or Molten Material from Freezing","where":"base-form","citation":{"page":137,"quote":"g. Water, other liquids, powder or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment (except fire protective systems) caused by or resulting from freezing","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Dishonest or Criminal Act","where":"base-form","citation":{"page":137,"quote":"h. Dishonest or criminal act (including theft) by you, any of your partners, members, officers, managers, employees (including temporary employees and leased workers), directors, trustees or authorized representatives, whether acting alone or in collusion with each other or with any other party","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Voluntary Parting with Property","where":"base-form","citation":{"page":137,"quote":"i. Voluntary parting with any property by you or anyone else to whom you have entrusted the property if induced to do so by any fraudulent scheme, trick, device or false pretense.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Rain, Snow, Ice or Sleet to Personal Property in the Open","where":"base-form","citation":{"page":137,"quote":"j. Rain, snow, ice or sleet to personal property in the open.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Collapse","where":"base-form","citation":{"page":137,"quote":"k. Collapse, including any of the following conditions of property or any part of the property: (1) An abrupt falling down or caving in","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Discharge, Dispersal, Seepage, Migration, Release or Escape of Pollutants","where":"base-form","citation":{"page":137,"quote":"l. Discharge, dispersal, seepage, migration, release or escape of \"pollutants\" unless the discharge, dispersal, seepage, migration, release or escape is itself caused by any of the \"specified causes of loss\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Neglect of an Insured to Use All Reasonable Means to Save and Preserve Property","where":"base-form","citation":{"page":137,"quote":"m. Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Limited Coverage for Fungus, Wet Rot, Dry Rot and Bacteria","where":"base-form","citation":{"page":141,"quote":"The coverage described under E.2. of this Limited Coverage is limited to $15,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":15000,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Property In Transit Extension","where":"base-form","citation":{"page":142,"quote":"The most we will pay for loss or damage under this Extension is $5,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":5000,"formNumber":"CP 10 30 09 17","carrierNoticedReduction":false},{"label":"Mold Exclusion","where":"endorsement","citation":{"page":144,"quote":"Mold Mold or other fungi, wet or dry rot, dampness of atmosphere, or extremes of temperature, however caused. But if Mold is the result of a Covered Cause of Loss, we will pay for the loss or damage caused by Mold. The most we will pay for such loss or damage is $10,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":10000,"formNumber":"PI-CP-001","carrierNoticedReduction":false},{"label":"Changes – Electronic Data","where":"endorsement","citation":{"page":146,"quote":"The most we will pay under this Limited Coverage – Electronic Data is $2,500 for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or damage or the number of premises, locations or computer systems involved.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"PI-CP-002","carrierNoticedReduction":false},{"label":"Limited Coverage – Valuable Papers And Records","where":"endorsement","citation":{"page":146,"quote":"Under this Limited Coverage, the most we will pay to replace or restore the lost information is $2,500 at each described premises.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"PI-CP-002","carrierNoticedReduction":false},{"label":"Limited Coverage – Interruption Of Computer Operations","where":"endorsement","citation":{"page":147,"quote":"The most we will pay under this Limited Coverage -Interruption Of Computer Operations is $2,500 for the total of all loss sustained and/or expense incurred in any one policy year","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":2500,"formNumber":"PI-CP-002","carrierNoticedReduction":false},{"label":"Mismatch Exclusion","where":"endorsement","citation":{"page":148,"quote":"Mismatch (1) Mismatch of color between undamaged roof or siding material on buildings or structures and new roof or siding material used to repair or replace the damaged roof or siding on buildings or structures","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CP-123","carrierNoticedReduction":false},{"label":"Existing Damage Exclusion","where":"endorsement","citation":{"page":149,"quote":"Existing Damage (1) Any loss or damage commencing prior to the Policy Period shown in the Declarations regardless of whether loss or damage was apparent at the inception date of this policy or at a later date","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CP-124","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","where":"base-form","citation":{"page":150,"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":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":150,"quote":"b. Contractual Liability \"Bodily injury\" or \"property damage\" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Liquor Liability","where":"base-form","citation":{"page":150,"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","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws","where":"base-form","citation":{"page":151,"quote":"d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Employer's Liability","where":"base-form","citation":{"page":151,"quote":"e. Employer's Liability \"Bodily injury\" to: (1) An \"employee\" of the insured arising out of and in the course of: (a) Employment by the insured","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":151,"quote":"f. Pollution (1) \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Aircraft, Auto Or Watercraft","where":"base-form","citation":{"page":153,"quote":"g. Aircraft, Auto Or Watercraft \"Bodily injury\" or \"property damage\" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, \"auto\" or watercraft owned or operated by or rented or loaned to any insured.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Mobile Equipment","where":"base-form","citation":{"page":153,"quote":"h. Mobile Equipment \"Bodily injury\" or \"property damage\" arising out of: (1) The transportation of \"mobile equipment\" by an \"auto\" owned or operated by or rented or loaned to any insured","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":153,"quote":"i. 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":"CG 00 01 04 13","carrierNoticedReduction":false},{"label":"Damage To Property","where":"base-form","citation":{"page":153,"quote":"j. 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hidden or latent defect; mechanical breakdown; corrosion or rust.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CM 00 01","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":"CM 00 01","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","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","carrierNoticedReduction":false},{"label":"Contractual Liability","where":"base-form","citation":{"page":240,"quote":"Contractual Liability assumed under any contract or agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Workers' Compensation","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","carrierNoticedReduction":false},{"label":"Employee Indemnification And Employer's Liability","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\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Fellow Employee","where":"base-form","citation":{"page":241,"quote":"Fellow Employee \"Bodily injury\" to: a. Any fellow \"employee\" of the \"insured\" arising out of and in the course of the fellow \"employee's\" employment","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Care, Custody Or Control","where":"base-form","citation":{"page":241,"quote":"Care, Custody Or Control \"Property damage\" to or \"covered pollution cost or expense\" involving property owned or transported by the \"insured\" or in the \"insured's\" care, custody or control.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Handling Of Property","where":"base-form","citation":{"page":241,"quote":"Handling Of Property \"Bodily injury\" or \"property damage\" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the \"insured\" for movement into or onto the covered \"auto\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Movement Of Property By Mechanical Device","where":"base-form","citation":{"page":241,"quote":"Movement Of Property By Mechanical Device \"Bodily injury\" or \"property damage\" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Operations","where":"base-form","citation":{"page":241,"quote":"Operations \"Bodily injury\" or \"property damage\" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of \"mobile equipment\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Completed Operations","where":"base-form","citation":{"page":241,"quote":"Completed Operations \"Bodily injury\" or \"property damage\" arising out of your work after that work has been completed or abandoned.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":242,"quote":"Pollution \"Bodily injury\" or \"property damage\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"War","where":"base-form","citation":{"page":243,"quote":"War \"Bodily injury\" or \"property damage\" arising directly or indirectly out of: a. War, including undeclared or civil war","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Racing","where":"base-form","citation":{"page":243,"quote":"Racing Covered \"autos\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","citation":{"page":244,"quote":"Nuclear Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"War Or Military Action","where":"base-form","citation":{"page":244,"quote":"War Or Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Wear and tear, freezing, mechanical or electrical breakdown","where":"base-form","citation":{"page":244,"quote":"Wear and tear, freezing, mechanical or electrical breakdown.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment exclusions","where":"base-form","citation":{"page":244,"quote":"We will not pay for \"loss\" to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Diminution in value","where":"base-form","citation":{"page":245,"quote":"We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Expected Or Intended Injury","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","where":"base-form","citation":{"page":253,"quote":"Contractual Liability assumed under any contract or agreement.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Workers' Compensation","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","where":"base-form","citation":{"page":254,"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\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Fellow Employee","where":"base-form","citation":{"page":254,"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","where":"base-form","citation":{"page":254,"quote":"Care, Custody Or Control \"Property damage\" to or \"covered pollution cost or expense\" involving property owned or transported by the \"insured\" or in the \"insured's\" care, custody or control.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Handling Of Property","where":"base-form","citation":{"page":254,"quote":"Handling Of Property \"Bodily injury\" or \"property damage\" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the \"insured\" for movement into or onto the covered \"auto\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Movement Of Property By Mechanical Device","where":"base-form","citation":{"page":254,"quote":"Movement Of Property By Mechanical Device \"Bodily injury\" or \"property damage\" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01 10 13","carrierNoticedReduction":false},{"label":"Operations","where":"base-form","citation":{"page":254,"quote":"Operations \"Bodily injury\" or \"property damage\" arising out of the operation of: a. 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","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","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","where":"base-form","citation":{"page":255,"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 10 13","carrierNoticedReduction":false},{"label":"Racing","where":"base-form","citation":{"page":255,"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 10 13","carrierNoticedReduction":false},{"label":"Nuclear Hazard","where":"base-form","citation":{"page":256,"quote":"Nuclear Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"War Or Military Action","where":"base-form","citation":{"page":256,"quote":"War Or Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Professional or organized racing or demolition contest or stunting activity","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to any covered \"auto\" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. We will also not pay for \"loss\" to any covered \"auto\" while that covered \"auto\" is being prepared for such a contest or activity.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Wear and tear, freezing, mechanical or electrical breakdown","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" due and confined to: a. Wear and tear, freezing, mechanical or electrical breakdown.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Blowouts, punctures or other road damage to tires","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" due and confined to: ... b. Blowouts, punctures or other road damage to tires. This exclusion does not apply to such \"loss\" resulting from the total theft of a covered \"auto\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Tapes, records, discs or other similar audio, visual or data electronic devices","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Speed-measuring equipment detection or jamming apparatus","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to any of the following: ... b. Any device designed or used to detect speed-measuring equipment, such as radar or laser detectors, and any jamming apparatus intended to elude or disrupt speed-measuring equipment.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment for audio, visual or data signals","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to any of the following: ... c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Accessories used with electronic equipment","where":"base-form","citation":{"page":257,"quote":"We will not pay for \"loss\" to any of the following: ... d. Any accessories used with the electronic equipment described in Paragraph c. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Diminution in value","where":"base-form","citation":{"page":258,"quote":"We will not pay for \"loss\" to a covered \"auto\" due to \"diminution in value\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 00 01","carrierNoticedReduction":false},{"label":"Electronic equipment sub-limit","where":"base-form","citation":{"page":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":"Transportation Expenses sub-limit","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 sub-limit","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":"Maryland Changes – Collision Coverage in Mexico","where":"endorsement","citation":{"page":263,"quote":"Coverage for a \"loss\" caused by collision or overturn of a covered \"auto\" \"you\" own applies while the \"auto\" is in Mexico. However: A. The \"loss\" will be paid for in the United States. B. The most \"we\" will pay for \"loss\" is the lesser of the following amounts: 1. The cost of repairing the \"auto\" or replacing its parts in Mexico; or 2. The cost of repair or replacement at the nearest point in the United States where repair or replacement could be made.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 06","carrierNoticedReduction":false},{"label":"Fellow Employee Exclusion – Maryland","where":"endorsement","citation":{"page":266,"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; or b. The spouse, child, parent, brother or sister of that fellow \"employee\" as a consequence of Paragraph a. above. However, this exclusion does not apply for coverage up to the minimum limit specified by the Maryland Vehicle Law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 70","carrierNoticedReduction":false},{"label":"Racing Exclusion – Maryland","where":"endorsement","citation":{"page":266,"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. This insurance also does not apply while that covered \"auto\" is being prepared for such a contest or activity. However, this exclusion does not apply for coverage up to the minimum limit specified by the Maryland Vehicle Law.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 70","carrierNoticedReduction":false},{"label":"Diminution in value – Maryland removal","where":"endorsement","citation":{"page":266,"quote":"The \"diminution in value\" exclusion does not apply.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CA 01 70","carrierNoticedReduction":true},{"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":"This insurance does not apply to \"damages\": 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":"This insurance does not apply to \"damages\": 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":"This insurance does not apply to \"damages\": 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":"This insurance does not apply to \"damages\": 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":"Professional services of psychiatrist","where":"base-form","citation":{"page":275,"quote":"This insurance does not apply to \"damages\": 6. Arising out of the professional services of any psychiatrist. However, with respect to you only, this exclusion does not apply to services performed by a psychiatrist so long as you have written confirmation of malpractice insurance covering such individual with limits of at least $1,000,000.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Professional services of attorney, architect, engineer, accountant, etc.","where":"base-form","citation":{"page":275,"quote":"This insurance does not apply to \"damages\": 7. 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","where":"base-form","citation":{"page":276,"quote":"This insurance does not apply to \"damages\": 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 insured or consequential injury to family","where":"base-form","citation":{"page":276,"quote":"This insurance does not apply to \"damages\": 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":276,"quote":"This insurance does not apply to \"damages\": 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 claims","where":"base-form","citation":{"page":276,"quote":"This insurance does not apply to \"damages\": 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":276,"quote":"This insurance does not apply to \"damages\": 12. Arising out of \"advertising injury\" or \"personal injury\". However, this exclusion does not apply to \"personal injury\" when the offense is directly resulting from a \"professional incident\"...","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Damage to property","where":"base-form","citation":{"page":276,"quote":"This insurance does not apply to \"damages\": 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":"This insurance does not apply to \"damages\": 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":"Actual or alleged discrimination","where":"base-form","citation":{"page":277,"quote":"This insurance does not apply to \"damages\": 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":"This insurance does not apply to \"damages\": 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":"This insurance does not apply to \"damages\": 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 not legally entitled to","where":"base-form","citation":{"page":277,"quote":"This insurance does not apply to \"damages\": 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":"Liability under Employment Retirement Income Security Act","where":"base-form","citation":{"page":277,"quote":"This insurance does not apply to \"damages\": 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":"This insurance does not apply to \"damages\": 20. Arising out of any criminal, dishonest, fraudulent or malicious act or omission. This exclusion does not apply to any insured who did not: a. Personally participate in committing any such act; or b. Remain passive after having personal knowledge of any such act or omission.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Claim made or suit brought by another insured","where":"base-form","citation":{"page":277,"quote":"This insurance does not apply to \"damages\": 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":"Acts, errors or omissions of managerial or administrative nature","where":"base-form","citation":{"page":277,"quote":"This insurance does not apply to \"damages\": 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":"This insurance does not apply to \"damages\": 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; or b. The negligent: (1) employment; (2) investigation; (3) supervision; (4) reporting to the proper authorities, or failure to so report; or (5) retention of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by a. above.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Disciplinary proceeding defense sub-limit","where":"base-form","citation":{"page":277,"quote":"We will reimburse you for reasonable legal services charged by a lawyer we agree to and other expenses you may incur in the investigation and defense of \"disciplinary proceeding(s)\" brought against you arising out of a \"professional incident\" that is otherwise covered by this policy. This Coverage is limited to $100,000 per \"professional incident\".","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Accreditation, standards review board defense sub-limit","where":"base-form","citation":{"page":277,"quote":"We will reimburse you for reasonable legal services charged by a lawyer we agree to and other expenses you may incur arising out of any act or omission in the furnishing or failure to furnish services as a formal accreditation, standards review or similar board. This Coverage is limited to $100,000 per incident.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":100000,"formNumber":"PI-HS-003","carrierNoticedReduction":false},{"label":"Amendment of Exclusion – Prescription/Nonprescription Drugs, Supplies or Appliances","where":"endorsement","citation":{"page":284,"quote":"Arising out of the prescription, utilization, furnishing, or dispensing of drugs or medical, dental, or nursing supplies or appliances, except: a. 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, b. the dispensing of the drug Naloxone (or reasonably equivalent drug) used in response to an opioid overdose as permitted by applicable state or federal law, or c. the dispensing of nonprescription drugs.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-024","carrierNoticedReduction":false},{"label":"Maryland Changes – No coverage for health care provider disciplinary hearing defense","where":"endorsement","citation":{"page":285,"quote":"There is no coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-HS-MD-1","carrierNoticedReduction":true},{"label":"Any claim or suit against any person who personally takes part in abusive conduct","where":"base-form","citation":{"page":289,"quote":"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":"Any claim or suit against any person who intentionally fails to report abusive conduct","where":"base-form","citation":{"page":289,"quote":"This insurance does not apply to: ... 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":"Any claim or suit against any person who commits an intentional or criminal act","where":"base-form","citation":{"page":289,"quote":"This insurance does not apply to: ... 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":"Any claim or suit against employee, volunteer worker with known prior abusive conduct","where":"base-form","citation":{"page":289,"quote":"This insurance does not apply to: ... 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":"Liability assumed by insured under contract or agreement","where":"base-form","citation":{"page":288,"quote":"This insurance does not apply to: ... e. Liability assumed by the insured under any contract or agreement;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Workers compensation, disability benefits, or unemployment compensation obligation","where":"base-form","citation":{"page":288,"quote":"This insurance does not apply to: ... f. Any obligation for which an insured, or any insurance carrier of the insured, may be held liable 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-SAM-008","carrierNoticedReduction":false},{"label":"Matters which may be deemed uninsurable","where":"base-form","citation":{"page":289,"quote":"This insurance does not apply to: ... g. Any \"claim\" or \"suit\" arising out of matters which may be deemed uninsurable;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Claim made against insured by another insured","where":"base-form","citation":{"page":289,"quote":"This insurance does not apply to: ... h. Any \"claim\" made against an insured by another insured except a \"claim\" made by an insured who is an \"employee\" or \"volunteer worker,\" subject to Exclusion i. below;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Claim made by employee, volunteer worker, or family member","where":"base-form","citation":{"page":289,"quote":"This insurance does not apply to: ... i. Any \"claim\" made by or on behalf of: (1) Your \"employee\" or \"volunteer worker\"; (2) The spouse, child, parent, brother or sister of an \"employee\" or \"volunteer worker\" as a consequence of \"abusive conduct\" to that person; or (3) Any applicants for employment or former \"employees\" or \"volunteer workers.\"","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Defense costs associated with criminal trial","where":"base-form","citation":{"page":290,"quote":"This insurance does not apply to: ... j. Any \"defense costs\" associated with a criminal trial including appeals;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Abusive conduct that predates inception of policy","where":"base-form","citation":{"page":290,"quote":"This insurance does not apply to: ... k. \"Abusive conduct\" that predates the inception of this policy notwithstanding that such \"abusive conduct\" may continue into this policy period;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Prior litigation, demand, or knowledge of abusive conduct","where":"base-form","citation":{"page":290,"quote":"This insurance does not apply to: ... l. Any \"claim\" arising out of, based upon or attributable to: (1) Any litigation or demand against an insured pending on or before the inception of this policy, including any future litigation or demand based on the prior or pending litigation that is derived from the same or essentially the same facts as alleged in such prior litigation; (2) Any \"abusive conduct,\" fact, circumstance or situation which has been the subject of any written notice given under any other policy of insurance prior to inception of this policy; or (3) Any \"abusive conduct,\" fact, circumstance or situation of which, as of the inception of this policy, the insured had knowledge and from which the insured could reasonably expect a \"claim\" to arise;","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Sexual discrimination and/or sexual harassment","where":"base-form","citation":{"page":290,"quote":"This insurance does not apply to: ... 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"},"subLimit":null,"formNumber":"PI-SAM-008","carrierNoticedReduction":false},{"label":"Maryland Changes – Abusive Conduct Liability – Cooperation prejudice standard","where":"endorsement","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"},"subLimit":null,"formNumber":"PI-SAM-MD 1","carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","citation":{"page":9,"quote":"EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form a part of your insurance contract. No coverage is provided by this Notice, nor can it be construed to replace any provisions of your policy (including its endorsements). If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) shall prevail. Carefully read your policy, including the endorsements attached to your policy. This Notice provides information concerning the following new endorsement, which applies to your new or re- newal policy being issued by us: Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 40 07 06 This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Prop- erty insurance. It points out that there is no coverage under such insurance for loss or damage caused by or re- sulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 01 40 07 06","carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","citation":{"page":10,"quote":"EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form a part of your insurance contract. No coverage is provided by this Notice, nor can it be construed to replace any provisions of your policy (including its endorsements). If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) shall prevail. Carefully read your policy, including the endorsements attached to your policy. This Notice provides information concerning the following new endorsement, which applies to your new or re- newal policy being issued by us: Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP 01 75 07 06 This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Prop- erty insurance. It points out that there is no coverage under such insurance for loss or damage caused by or re- sulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 01 75 07 06","carrierNoticedReduction":false},{"label":"Mismatch Exclusion","where":"endorsement","citation":{"page":11,"quote":"ADVISORY NOTICE TO POLICYHOLDERS This is a summary of changes in your policy. No coverage is provided by this summary nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the policy and this summary, THE PROVISIONS OF THE POLICY SHALL PREVAIL. The major areas within the policy that broaden or reduce coverage, and other changes, are highlighted below. This notice does not reference every editorial change made in your policy. The material in this notice makes reference to endorsement numbers; however, not all forms are included in a particular policy. You should review your Declarations to see which form(s) apply to your policy. Your policy is being renewed with the following endorsements: _____________________________________________________________________________________________________________________ PI-CP-123 (07/24) – MISMATCH EXCLUSION PI-CP-123 OH (07/24) – MISMATCH EXCLUSION – OHIO PI-CP-124 (07/24) – EXISTING DAMAGE EXCLUSION PI-CP-124 GA (08/24) – EXISTING DAMAGE EXCLUSION – GEORGIA _____________________________________________________________________________________________________________________ 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"},"subLimit":null,"formNumber":"PI-CP-123","carrierNoticedReduction":true},{"label":"Existing Damage Exclusion","where":"endorsement","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"},"subLimit":null,"formNumber":"PI-CP-124","carrierNoticedReduction":true},{"label":"Mold Exclusion","where":"endorsement","citation":{"page":13,"quote":"PI-CP-001 1001 Mold Exclusion","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CP-001","carrierNoticedReduction":false},{"label":"Changes - Electronic Data","where":"endorsement","citation":{"page":13,"quote":"PI-CP-002 0204 Changes - Electronic Data","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CP-002","carrierNoticedReduction":false},{"label":"Exclusion of Loss Due to Virus or Bacteria","where":"endorsement","citation":{"page":13,"quote":"CP0140 0706 Exclusion Of Loss Due To Virus Or Bacteria","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CP 01 40","carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","citation":{"page":326,"quote":"COMMUNICABLE DISEASE EXCLUSION ENDORSEMENT – CG 21 32 05 09 COMMUNICABLE DISEASE EXCLUSION – ILLINOIS – PI-GL-037 IL (04/20) COMMUNICABLE DISEASE EXCLUSION – WASHINGTON – PI-GL-037 WA (04/20) This endorsement excludes coverage for liability arising out of the actual or alleged t ransmis sion of a communicable disease which includes but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"CG 21 32 05 09","carrierNoticedReduction":true},{"label":"Absolute Communicable Disease Exclusion - Professional Liability","where":"endorsement","citation":{"page":327,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PI-PROF-002 (06/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – FLORIDA – PI-PROF-002 FL (05/21) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – GEORGIA – PI-PROF-002 GA (11/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – ILLINOIS – PI-PROF-002 IL (06/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – MONTANA – PI-PROF-002 MT (06/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – PENNSYLVANIA – PI-PROF-002 PA (06/20) COMMUNICABLE DISEASE EXCLUSION – PROFESSIONAL LIABILITY – VERMONT – PI-PROF-002 VT (06/21) This endorsement excludes coverage f or prof essional liability arising out of the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-PROF-002","carrierNoticedReduction":true},{"label":"Absolute Communicable Disease Exclusion - Umbrella","where":"endorsement","citation":{"page":327,"quote":"ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – PI-CXL-132 (06/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – ALASKA – PI-CXL-132 AK (06/20) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – ILLINOIS – PI-CXL-132 IL (06/20) COMMUNICABLE DISEASE EXCLUSION – NEW YORK – PI-CXL-132 NY (08/23) COMMUNICABLE DISEASE EXCLUSION – VERMONT – PI-CXL-132 VT (06/21) ABSOLUTE COMMUNICABLE DISEASE EXCLUSION – WASHINGTON – PI-CXL-132 WA (01/21) This endorsement adds an exclusion to the Umbrella f or claims related to the actual or alleged transmission of a communicable disease which includes, but is not limited to, COVID-19.","documentId":"vva-gl-package_philadelphia-indemnity_PHPK2661220"},"subLimit":null,"formNumber":"PI-CXL-132","carrierNoticedReduction":true},{"label":"Total Exclusion – Perfluorinated Compounds (PFC) / Per- and Polyfluoroalkyl Substances (PFAS) Professional Liability","where":"endorsement","citation":{"page":325,"quote":"NOTICE OF REDUCTION IN COVERAGE This is a summary of changes in your policy. No coverage is provided by this summary nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page f or complete inf ormation on the coverages you are provided. If there is any conflict between the policy and this summary, THE PROVISIONS OF THE POLICY SHALL PREVAIL. The major areas within the policy that broaden or reduce coverage, and other changes, are highlighted below. This notice does not ref erence every editorial change made in your policy. The material in this notice makes reference to endorsement numbers; however, not all forms are included in a particular policy. You should review your Declarations to see what form(s) apply to your policy. 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The per-occurrence vs. per-claim nature of the retained limit is not explicitly stated in the declarations but umbrella retained limits conventionally apply per occurrence; this is recorded as per-occurrence with medium confidence on the retention.applies field. The Professional Liability row on the underlying schedule is marked Occurrence, not Claims-Made.","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":"per-occurrence","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":"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":"Notwithstanding any provision to the contrary, this policy will provide the Applicable Professional Liability Coverage(s) subject to the Professional Liability Coverage Sub-Limits shown in the endorsement SCHEDULE above. These sub-limits are part of, and not in addition to, the Limits of Insurance stated in the Declarations.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":5000000,"formNumber":"PI-CXL-085","carrierNoticedReduction":false},{"label":"Access or Disclosure of Confidential or Personal Information and Data-related Liability","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":"Notwithstanding any provision to the contrary, this policy will provide auto liability coverage subject to the AUTOMOBILE LIABILITY SUB-LIMIT shown in the endorsement SCHEDULE above.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":5000000,"formNumber":"PI-CXL-092","carrierNoticedReduction":false},{"label":"Recording and Distribution of Material or Information in Violation of Law – Personal and Advertising Injury","where":"endorsement","citation":{"page":56,"quote":"This insurance does not apply to \"personal and advertising injury\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-099","carrierNoticedReduction":false},{"label":"Absolute Cyber Liability and Electronic Exclusion","where":"endorsement","citation":{"page":57,"quote":"This insurance does not apply to any loss, cost, expense, fine, penalty, error and omission, or damage alleging, arising out of or from, attributable to, or giving rise to: (1) Any access to, collection or disclosure of, or failure to erase any person's or organization's confidential or personal information, including but not limited to patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information, biometrics, or any other type of nonpublic information","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-100","carrierNoticedReduction":false},{"label":"Limit of Insurance Exclusion Clause Minimum Limit Requirement","where":"endorsement","citation":{"page":60,"quote":"This policy does not follow and shall not become excess of any coverage which incorporates a limit of insurance or sub-limit of insurance that is less than $1,000,000 and is attached to any \"underlying insurance\" shown in the Schedule of Underlying Insurance.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-111","carrierNoticedReduction":false},{"label":"Per Location / Per Project Aggregate Limit of Insurance Exclusion","where":"endorsement","citation":{"page":61,"quote":"Any per location or per project aggregate limit of insurance that is extended by a policy of \"underlying insurance\" will not apply to any coverage provided by this policy.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-113","carrierNoticedReduction":false},{"label":"Silica or Silica-Related Dust","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 Product","where":"base-form","citation":{"page":16,"quote":"Damage to Your Product \"Property damage\" to \"your product\" arising out of it or any part of it.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Your Work","where":"base-form","citation":{"page":16,"quote":"Damage to Your Work \"Property damage\" to \"your work\" arising out of it or any part of it and included in the \"products-completed operations hazard.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Damage to Impaired Property or Property Not Physically Injured","where":"base-form","citation":{"page":16,"quote":"Damage to Impaired Property or Property Not Physically Injured \"Property damage\" to \"impaired property\" or property that has not been physically injured, arising out of: (1) A defect, deficiency, 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 it.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":17,"quote":"Pollution (1) \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" arising out of the actual alleged or threatened discharge, dispersal, seepage, migration, release or escape of \"pollutants\":","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Discrimination","where":"base-form","citation":{"page":19,"quote":"Discrimination Any liability arising from discrimination: (1) Suffered or allegedly suffered by any person based upon, but not limited to, color, creed, gender, race, national origin, age, handicap, illness, religion or sexual preference; or (2) Due to unfair trade practices.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Asbestos","where":"base-form","citation":{"page":19,"quote":"Asbestos \"Bodily injury,\" \"property damage\" or \"personal and advertising injury\" arising out of the \"asbestos hazard.\"","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Nuclear Energy Liability","where":"base-form","citation":{"page":19,"quote":"Nuclear Energy Liability Under any Liability Coverage, to \"bodily injury\" or \"property damage\": (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 Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under such policy but for its termination upon exhaustion of its limit of liability;","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 insurance, including, but not limited to, the payment of claims.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Electronic Data","where":"base-form","citation":{"page":21,"quote":"Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access or inability to manipulate electronic data.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false},{"label":"Distribution of Material in Violation of Statutes","where":"base-form","citation":{"page":21,"quote":"Distribution of Material in Violation of Statutes \"Bodily injury\" or \"property damage\" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; or (3) Any statute, ordinance or regulation, other than TCPA or CAN-SPAM Act of 2003, that prohibits or limits the sending, transmitting, communicating or distribution of materials or information.","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"subLimit":null,"formNumber":"PI-CXL-001","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Commercial Umbrella Liability Ins Policy Declarations","citation":{"page":6,"quote":"Commercial Umbrella Liability Ins Policy Declarations","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"edition":{"value":"0519","citation":{"page":6,"quote":"PI-CXL-002 0519","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formNumber":{"value":"PI-CXL-002","citation":{"page":6,"quote":"PI-CXL-002","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},{"title":{"value":"Commercial Umbrella Liability Insurance Policy","citation":{"page":6,"quote":"Commercial Umbrella Liability Insurance Policy","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"edition":{"value":"0314","citation":{"page":6,"quote":"PI-CXL-001 0314","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formNumber":{"value":"PI-CXL-001","citation":{"page":6,"quote":"PI-CXL-001","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},{"title":{"value":"Directors And Officers Liability Exclusion","citation":{"page":6,"quote":"Directors And Officers Liability Exclusion","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"edition":{"value":"0119","citation":{"page":6,"quote":"PI-CXL-004 0119","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formNumber":{"value":"PI-CXL-004","citation":{"page":6,"quote":"PI-CXL-004","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},{"title":{"value":"Employers Liability (Stop Gap) Exclusion","citation":{"page":6,"quote":"Employers Liability (Stop Gap) Exclusion","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"edition":{"value":"0912","citation":{"page":6,"quote":"PI-CXL-006 0912","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"},"formNumber":{"value":"PI-CXL-006","citation":{"page":6,"quote":"PI-CXL-006","documentId":"vva-umbrella_philadelphia-indemnity_PHUB902534"},"confidence":"high"}},{"title":{"value":"Abuse Or Molestation 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