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The enclosed HOPKINS-LUNDY INSURORS, INC,
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The Travelers Indemnity Company
Hartford, Connecticut
(A Stock Insurance Company, Herein Called The Company)
In consideration of the payment of the premium, in reliance upon the statements in the declarations made a part hereof and
subject to all of the terms of this policy, agrees with the named insured as follows:
Definitions
When used in this policy (including endorsements forming a part hereof): ♦ "elevator" means any hoisting or lowering device to connect floors or
"automobile"means a land motor vehicle,trailer or semi-trailer designed landings, whether or not in service, and all appliances thereof including
for travel on public roads(including any machinery or apparatus attached any car, platform, shaft, hoistway, stairway, runway, power equipment
thereto), but does not include mobile equipment; and machinery; but does not include an automobile servicing hoist, or a
hoist without a platform outside a building if without mechanical power
"bodily injury" means bodily injury, sickness or disease sustained by or if not attached to building walls, or a hod or material hoist used in
any person; alteration,construction or demolition operations,or an inclined conveyor
used exclusively for carrying property or a dumbwaiter used exclusively
"completed operations hazard" includes bodily injury and property for carrying property and having a compartment height not exceeding
damage arising out of operations or reliance upon a representation or four feet;
warranty made at any time with respect thereto, but only if the bodily "incidental contract" means any written I lease of re
injury or property damage occurs after such operations have been com- ) premises, (2) ease-
pleted or abandoned and occurs away from premises owned by or rented ment agreement, except in connection with construction or demolition
to the named insured."Operations"include materials,parts or equipment operations on or adjacent to a railroad, (3) undertaking to indemnify a
furnished in connection therewith.Operations shall be deemed completed municipality required by municipal ordinance,except in connection with
at the earliest of the following times: work for the municipality, (4)sidetrack agreement,or(5)elevator main-
(1) when all operations to be performed by or on behalf of the named tenance agreement;
insured under the contract have been completed, "insured" means any person or organization qualifying as an insured in
(2) when all operations to be performed by or on behalf of the named the "Persons Insured" provision of the applicable insurance coverage.
insured at the site of the operations have been completed, or The insurance afforded applies separately to each insured against whom
(3) when the portion of the work out of which the injury or damage claim is made or suit is brought,except with respect to the limits of the
arises has been put to its intended use by any person or organization company's liability;
other than another contractor or subcontractor engaged in perform-
ing operations for a principal as a part of the same project. "mobile equipment" means a land vehicle (including any machinery or
apparatus attached thereto), whether or not self-propelled, (I) not sub-
Operations which may require further service or maintenance work, or ject to motor vehicle registration, or (2) maintained for use exclusively
correction, repair or replacement because of any defect or deficiency, but on premises owned by or rented to the named insured,including the ways
which are otherwise complete, shall be deemed completed. immediately adjoining, or (3) designed for use principally off public
roads, or (4) designed or maintained for the sole purpose of affording
The completed operations hazard does not include bodily injury or property mobility to equipment of the following types forming an integral part of
damage arising out of or permanently attached to such vehicle: power cranes, shovels, loaders,
(a) operations in connection with the transportation of property, unless diggers and drills; concrete mixers (other than the mix-in-transit type);
the bodily injury or property damage arises out of a condition in or graders,scrapers,rollers and other road construction or repair equipment;
on a vehicle created by the loading or unloading thereof, air-compressors, pumps and generators, including spraying, welding and
(b) the existence of tools,uninstalled equipment or abandoned or unused building cleaning equipment; and geophysical exploration and well
materials, or servicing equipment;
(c) operations for which the classification stated in the policy or in the "named insured" means the person or organization named in Item 1.of
company's manual specifies "including completed operations"; the declarations of this policy;
"damages" includes damages for death and for care and loss of services "named insured's products" means goods or products manufactured,
resulting from bodily injury and damages for loss of use of property sold, handled or distributed by the named insured or by others trading
resulting from property damage; under his name, including any container thereof (other than a vehicle),
f 9- Page 1 147
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Page 2
but "named insured's products" shall not include a vending machine or (3) anywhere in the world with respect to damages because of bodily
any property other than such container, rented to or located for use of injury or property damage arising out of a product which was sold
others but not sold; for use or consumption within the territory described in paragraph
"occurrence" means an accident, including injurious exposure to condi- (1) above, provided the original suit for such damages is brought
tions, which results,during the policy period, in bodily injury or property within such territory;
damage neither expected nor intended from the standpoint of the insured; "products hazard" includes bodily injury and property damage arising
"policy territory" means: out of the named insured's products or reliance upon a representation or
(1) the United States of America,its territories or possessions,or Canada, warranty made at any time with respect thereto, but only if the bodily
or injury or property damage occurs away from premises owned by or rented
to the named insured and after physical possession of such products has
(2) international waters or air space, provided the bodily injury or been relinquished to others;
property damage does not occur in the course of travel or transporta-
tion to or from any other country, state or nation, or + "property damage"means injury to or destruction of tangible property.
Supplementary Payments
The company will pay, in addition to the applicable limit of liability: ♦ of bail bonds required of the insured because of accident or traffic law
(a) all expenses incurred by the company, all costs taxed against the violation arising out of the use of any vehicle to which this policy
insured in any suit defended by the company and all interest on the applies,not to exceed$250 per bail bond,but the company shall have
entire amount of any judgment therein which accrues after entry of no obligation to apply for or furnish any such bonds;
the judgment and before the company has paid or tendered or de- (c) expenses incurred by the insured for first aid to others at the time of
posited in court that part of the judgment which does not exceed the an accident, for bodily injury to which this policy applies;
limit of the company's liability thereon; (d) reasonable expenses incurred by the insured at the company's re-
(b) premiums on appeal bonds required in any such suit, premiums on quest, including actual loss of wages or salary(but not loss of other
bonds to release attachments in any such suit for an amount not in income) not to exceed $25 per day because of his attendance at
excess of the applicable limit of liability of this policy, and the cost • hearings or trials at such request.
Nuclear Energy Liability Exclusion (Broad Form)
I. The policy does not apply: ♦ "nuclear material"means source material,special nuclear material or
A. Under any Liability Coverage, to bodily injury or property damage byproduct material;
(1) with respect to which an insured under the policy is also an "source material", "special nuclear material" and "byproduct
insured under a nuclear energy liability policy issued by material" have the meanings given them in the Atomic Energy Act
Nuclear Energy Liability Insurance Association, Mutual of 1954 or in any law amendatory thereof;
Atomic Energy Liability Underwriters or Nuclear Insurance
Association of Canada,or would be an insured under any such "spent fuel" means any fuel element or fuel component, solid or
policy but for its termination upon exhaustion of its limit of liquid, which has been used or exposed to radiation in a nuclear
liability;or reactor;
(2) resulting from the hazardous properties of nuclear material "waste"means any waste material(1)containing byproduct material
and with respect to which (a) any person or organization is and (2)resulting from the operation by any person or organization
required to maintain financial protection pursuant to the of any nuclear facility included within the definition of nuclear
Atomic Energy Act of 1954, or any law amendatory thereof, facility under paragraph(a)or(b) thereof;
or (b) the insured is, or had this policy not been issued would
be, entitled to indemnity from the United States of America, "nuclear facility"means
or any agency thereof, under any agreement entered into by
the United States of America,or any agency thereof,with any (a) any nuclear reactor,
person or organization. (b) any equipment or device designed or used for(I)separating the
B. Under any Medical Payments Coverage, or under any Supple- isotopes of uranium or plutonium, (2) processing or utilizing
mentary Payments provision relating to first aid, to expenses in- spent fuel, or(3)handling, processing or packaging waste,
ourred with respect to bodily injury resulting front the hazardous (c) any equipment or device used for the processing, fabricating
properties of nuclear material and arising out of the operation of a or alloying of special nuclear material if at any time the total
nuclear facility by any person or organization. amount of such material in the custody of the insured at the
C. Under any Liability Coverage, to bodily injury or property damage premises where such equipment or device is located consists of
resulting from the hazardous properties of nuclear material,if or contains more than 25 grams of plutonium or uranium 233
(I) the nuclear material(a) is atany nuclear facility owned by,or or any combination thereof,or more than 250 grams of uranium
operated by or on behalf of, an insured or (b) has been dis- 235,
charged or dispersed therefrom; (d) any structure, basin, excavation, premises or place prepared or
(2) the nuclear material is contained in spent fuel or waste at any used for the storage or disposal of waste,
time possessed, handled, used, processed, stored, transported and includes the site on which any of the foregoing is located, all
or disposed of by or on behalf of an insured;or operations conducted on such site and all premises used for such
(3) the bodily injury or property damage arises out of the furnishing operations;
by an insured of services, materials, parts or equipment in "nuclear reactor" means any apparatus designed or used to sustain
connection with the planning, construction, maintenance, nuclear fission in a self-supporting chain reaction or to contain a
operation or use of any nuclear facility, but if such facility is critical mass of fissionable material;
located within the United States of America, its territories or
possessions or Canada. this exclusion (3) applies only to "property damage" includes all forms of radioactive contamination
property damage to such nuclear facility and any property of property.
thereat.
III. This exclusion modifies the provisions of the policy relating to all
II. As used in this exclusion: Automobile Liability, General Liability and Medical Payments
"hazardous properties" include radioactive, toxic or explosive Insurance other than Comprehensive Personal and Farmer's Com-
properties; • prehensive Personal Insurance.
Conditions
I. Premium. All premiums for this policy shall be computed in accord- • 6. Other Insurance. The insurance afforded by this policy is primary
ance with the company's rules, rates, rating plans, premiums and insurance,except when stated to apply in excess of or contingent upon
minimum premiums applicable to the insurance afforded herein. the absence of other insurance.When this insurance is primary and the
insured has other insurance which is stated to be applicable to the loss
Premium designated in this policy as "advance premium" is a deposit
premium only which shall be credited to the amount of the earned on an excess or contingent basis,the amount of the company's liability
under this policy shall not be reduced by the existence of such other
premium due at the end of the policy period.At the close of each period insurance.
(or part thereof terminating with the end of the policy period) desig-
nated in the declarations as the audit period the earned premium shall When both this insurance and other insurance apply to the loss on the
be computed for such period and, upon notice thereof to the named same basis, whether primary, excess or contingent, the company shall
insured, shall become due and payable. If the total earned premium for not be liable under this policy for a greater proportion of the loss than
the policy period is less than the premium previously paid, the com- that stated in the applicable contribution provision below:
pany shall return to the named insured the unearned portion paid by (a) Contribution by Equal Shares. If all of such other valid and
the named insured. collectible insurance provides for contribution by equal shares, the
The named insured shall maintain records of such information as is company shall not be liable for a greater proportion of such loss
necessary for premium computation, and shall send copies of such than would be payable if each insurer contributes an equal share
records to the company at the end of the policy period and at such until the share of each insurer equals the lowest applicable limit
times during the policy period as the company may direct. of liability under any one policy or the full amount of the loss is
paid, and with respect to any amount of loss not so paid the
2. Inspection and Audit. The company shall be permitted but not ob- remaining insurers then continue to contribute equal shares of the
ligated to inspect the named insured's property and operations at any remaining amount of the loss until each such insurer has paid its
time. Neither the company's right to make inspections nor the making Emit in full or the full amount of the loss is paid.
thereof nor any report thereon shall constitute an undertaking, on (b) Contribution by Limits. If any of such other insurance does not
behalf of or for the benefit of the named insured or others,to determine • provide for contribution by equal shares, the company shall not
or warrant that such property or operations are safe. be liable for a greater proportion of such loss than the applicable
The company may examine and audit the named insured's books and limit of liability under this policy for such loss bears to the total
records at any time during the policy period and extensions thereof and applicable limit of liability of all valid and collectible insurance
within three years after the final termination of this policy, as far as against such loss.
they relate to the subject matter of this insurance.
7. Subrogation. In the event of any payment under this policy, the
3. Financial Responsibility Laws. When this policy is certified as proof company shall be subrogated to all the insured's rights of recovery
of financial responsibility for the future under the provisions of any therefor against any person or organization and the insured shall
motor vehicle financial responsibility law,such insurance as is afforded execute and deliver instruments and papers and do whatever else is
by this policy for bodily injury liability or for property damage liability necessary to secure such rights.The insured shall do nothing after loss
shall comply with the provisions of such law to the extent of the cover- to prejudice such rights.
age and limits of liability required by such law. The insured agrees to
reimburse the company for any payment made by the company which & Changes. Notice to any agent or knowledge possessed by any agent
it would not have been obligated to make under the terms of this or by any other person shall not effect a waiver or a change in any part
policy except for the agreement contained in this paragraph. of this policy or estop the company from asserting any right under the
terms of this policy; nor shall the terms of this policy be waived or
4. Insured's Duties in the Event of Occurrence,Claim or Suit. changed, except by endorsement issued to form a part of this policy,
(a).In the event of an occurrence,written notice containing particulars signed by the President, a Vice President, Secretary or Assistant
sufficient t t of identify o the insured and also c reasonably obtainable Secretary of the company; provided, however, changes may be made
information with respect to the time, place and circumstances in the ofte written portion whenf the declarations such
by a manager or r l general
t
thereof,and the names and addresses of the injured and of available agent the company initialed by such manager or general agent.
witnesses, shall be given by or for the insured to the company or 9, Assignment. Assignment of interest under this policy shall not bind
any of its authorized agents as soon as practicable. The named the company until its consent is endorsed hereon; if, however, the
insured shall promptly take at his expense all reasonable steps to named insured shall die, such insurance as is afforded by this policy
prevent other bodily injury or property damage from arising out of shall apply (1) to the named insured's legal representative, as the
the same or similar conditions, but such expense shall not be re- named insured, but only while acting within the scope of his duties
coverable under this policy. as such, and (2)with respect to the property of the named insured, to
(b) If claim is made or suit is brought against the insured,the insured the person having proper temporary custody thereof, as insured, but
shall immediately forward to the company every demand, notice, only until the appointment and qualification of the legal representative.
summons or other process received by him or his representative. 10. Three Year Policy. If this policy is issued for a period of three years,
(c) The insured shall cooperate with the company and,upon the com- the limits of the company's liability shall apply separately to each
pany's request, assist in making settlements, in the conduct of consecutive annual period thereof.
suits and in enforcing any right of contribution or indemnity
against any person or organization who may be liable to the insured 11. Cancellation. This policy may be canceled by the named insured by'
because of bodily injury or properly damage with respect to which mailing to the company written notice stating when thereafter the
insurance is afforded under this policy;and the insured shall attend cancellation shall be effective. This policy may be canceled by the
hearings and trials and assist in securing and giving evidence and company by mailing to the named insured at the address shown in this
obtaining the attendance of witnesses. The insured shall not, policy, written notice stating when not less than ten days thereafter
except at his own cost,voluntarily make any payment,assume any such cancellation shall be effective. The mailing of notice as aforesaid
obligation or incur any expense other than for first aid to others at shall be sufficient proof of notice. The effective date and hour of can-
the time of accident. cellation stated in the notice shall become the end of the policy period.
Delivery of such written notice either by the named insured or by the
S. Action Against Company. No action shall lie against the company company shall be equivalent to mailing.
unless, as a condition precedent thereto, there shall have been full If the named insured cancels, earned premium shall be computed in
compliance with all of the terms of this policy, nor until the amount accordance with the customary short rate table and procedure. If the
ei the insured's obligation to pay shall have been finally determined company cancels, earned premium shall be computed pro rata. Pre-
either by judgment against the insured after actual trial or by mium adjustment may be made either at the time cancellation is
written agreement of the insured, the claimant and the company. effected or as soon as practicable after cancellation becomes effective,
Any person or organization or the legal representative thereof who has but payment or tender of unearned premium is not a condition of
secured such judgment or written agreement shall thereafter be entitled cancellation.
to recover under this policy to the extent of the insurance afforded by
this policy. No person or organization shall have any right under this 12. Declarations. By acceptance of this policy, the named insured agrees
policy to join the company as a party to any action against the insured that the statements in the declarations are his agreements and repre-
to determine the insured's liability,nor shall the company be impleaded sentations, that this policy is issued in reliance upon the truth of such
by the insured or his legal representative. Bankruptcy or insolvency representations and that this policy embodies all agreements existing
of the insured or of the insured's estate shall not relieve the company of between himself and the company or any of its agents relating to this
any of its obligations hereunder. ♦ insurance.
(continued on Page 3)
Page 3
New York Special Provision—If a Comprehensive Automobile Liability Insurance, Garage Insurance or Automobile Medical Payments Insurance Cover-
age Part forming a part of this policy insures premises located or automobiles principally garaged in New York, the Nuclear Energy Liability Exclusion
(Broad Form)does not apply to such premises or automobiles.
Puerto Rico Special Provision—It is agreed that the Action Against Company Condition applicable to any liability coverage afforded by the policy with
respect to occurrences which take place in Puerto Rico is amended to read:
No action shall lie against the company unless as a condition precedent thereto,the insured shall have fully complied with all the terms of this policy.
South Carolina Special Provision—If a Comprehensive General Liability, Manufacturers' and Contractors' Liability, Owners', Landlords' and Tenants'
Liability, Completed Operations and Products Liability, Contractual Liability, Premises Medical Payments or Garage Insurance Coverage Part forming
a part of this policy insures premises located in South Carolina, it is agreed that with respect to such insurance that part of the alcoholic beverage ex-
clusion which relates to the selling, serving or giving of any alcoholic beverage (a) to a person under the influence of alcohol or(b)which causes or
contributes to the intoxication of any person, is deleted.
Vermont Special Provision—If this policy affords a Liability Coverage with respect to a premises located or an automobile principally garaged in Vermont,
it is agreed that the policy is amended in the following particulars with respect to such Coverage:
The Policy, including this endorsement,is issued and delivered subject to the Laws of Vermont and particularly to Section 9242, Chapter 391 "The
Vermont Statutes, Revision of 1947," including the following statutory requirements forming a part of such Laws:
The company shall pay and satisfy any judgment that may be recovered against the insured upon any claim covered by this Policy to the
extent and within the limits of liability assumed thereby, and shall protect the insured against the levy of any execution issued upon any such
judicial judgment or claim against the insured. No limitation of liability in this Policy shall be valid if, after a judgment has been rendered
against the insured in respect to his legal liability for damages in a particular instance, the company continues the litigation by an appeal or
otherwise, unless the insured shall stipulate with the company, agreeing to continue such litigation.
No action shall lie against the company to recover for any loss under this Policy,unless brought within one year after the amount of such loss is
made certain either by judgment against the insured after final determination of the litigation or by agreement between the parties with the
written consent of the company.
The insolvency or bankruptcy of the insured shall not release the company from the payment of damages for injury sustained or loss occasioned
during the life of the Policy,and in case of such insolvency or bankruptcy an action may be maintained by the injured person or claimant against
the company under the terms of the Policy for the amount of any judgment obtained against the insured not exceeding the limits of the Policy.
Payment of any judicial judgment or claim by the insured for any of the company's liability hereunder shall not bar the insured from any action
or right of action against the company. In case of payment of loss or expense under this Policy, the company shall be subrogated to all rights
of the insured against any party, as respects such loss or expense, to the amount of such payment, and the insured shall execute all papers
required and shall cooperate with the company to secure to the company such rights.
In witness whereof, THE TRAVELERS INDEMNITY COMPANY has caused this policy to be signed by its President and Secretary at Hartford,
Connecticut, and countersigned on the declarations page by a duly authorized agent of the company.
Eypitriabr
Secretary President
C-11113 Edition July 1,1966 PRINTED IN D.S.A. N.S. (GA)
The Travelers (Package Policies)
SECTIONS I AND II—DECLARATIONS
Forming part of Policy No. ND 6256402 Effective from 1/15/68 12 noon standard time at the
911 9TH AVE., GREELEY, WELD, COLORADOaddress of the Named Insured stated in the policy declarations.
Item 1. Location of Premises:
Building Address (No., street, town, county, state) Part of Building Purpose of
No. (Enter "Same" if same location as address on page 1 of policy) Occupied by Insured Use
1. SAME AND VARIOUS LOCATIONS ENTIRE COUNTY
THROUGHOUT WELD COUNTY
2.
3.
4.
Item 2. The insurance afforded is only with respect to such of the following coverages (or item thereof) as are indicated herein by
entry of a specific limit of liability applicable thereto, subject to any Supplemental Declarations-Sections 1 and II made a part
hereof. A limit inserted under "Blanket" applies under Section Ito a coverage and at the building for which the word "Included" is
inserted. Coverage Limits of Liability
Bldg. No. 1 Bldg. No. 2 Bldg. No. 3 Bldg. No. 4 Blanket
— A. Building $ $ $ $ $ 2291942040
B. Personal Property $ $ $ $ $ INCLUDED
,C. Business Interruption $ $ $ $ $ ABOVE
Rental Income $ $ $ $ $
Loss of Income $ $ $ $ $
Single Limits Separate Limits
],Bodily Injury ].Bodily Injury $ $ $
and each person each occurrence aggregate
2.Property Damage
D. Liability $ 2.Property Damage $ $
0
each occurrence each occurrence aggregate
La
aggregate COVERAGE UNDER NSL 2251201
3.Personal Injury $ $
each person aggregate general aggregate
E. Premises Medical Payments $ each person $ each accident
Item 3. Symbol numbers of forms, endorsements, and supplemental contracts forming a part of Section I or II of this policy on its
effective date: ND
2A, 33, 76
Item 4. (a) 80% Coinsurance applies to Coverages A and B. Exceptions, if any: 90% COINSURANCE APPL I ES TO COV A
(b) I % Coins'kudance`applies 'CoverageC—Business Interruption, which ordinary payroll expense.
(includes/excludes)
(c) Not more than 1/9th of the limit applies for each 30 days or part thereof under Coverage C—Rental Income. Exceptions,
if any:
(d) % Coinsurance applies to Coverage C—Loss of Income.
Item 5. $100 deductible applies to loss under Coverages A and B. Exceptions, if any:
$100 DEDUCTIBLE APPLIES
Item 6. Coverage A or B — Property at premises not owned, leased, operated or regularly used by the Insured, as defined and limited
in Extension 1 of "Extensions of Coverage" in the Standard Form, is insured subject to the following provisions:
(a) The Travelers shall not be liable in any one loss:
(1) As respects any one such premises, for more than 10% of the sum of the limits applicable to Coverages A and B or $5,000,
whichever is less, unless a limit is inserted hereafter $
(2) As respects all such premises, for more than $5,000 in the aggregate unless a limit is inserted hereafter $
(b) The Coinsurance Clause contained in the Standard Form shall apply only when the limit is increased in (1) or (2) above.
(Continued on page 2) ND lA
The Travelers (Package Policies) Page 2
Item 7. Bldg. No. First Mortgagee (Name and Address)
Item 8. State Exception: South Carolina Valuation Clause: Coverage A $
New York Fire District:
Items 9 and 10. Other—Describe:
Item 11. Section II-Coverages D and E: Insurance is afforded with respect to each of the hazards designated below unless the
statement "Coverage Excluded" is entered with respect thereto.)Absence of any entry with respect to any hazard indicates
that there is no exposure under that hazard on the effective date of the Sections I and II—Declarations. The rating classifi-
cations under the Description of Hazards do not modify the exclusions or other terms of this policy.
*Bldg. Premium Retest Provisional Premiumst
No. Description of Hazards Classification Bases
B.I. I P.D. B.I. P.D.
(a)—Premises—Operations (a) Area(So.Ft.) (a) Per 100 Sti.Ft.of Area
(b) Receipts (b) Per$100 of Receipts
(c) Units (c) Per Unit
(d)Admissions (d)Per 100 Admissions
(e) Remuneration (e) Per$100 of Remunera-
tion
SECTIONS II , III & IV INCLUDED
UNDER NSL 2251201
(b) Elevators Number Insured Per Elevator
(c) Independent Contractors Cost Per$100 of Cost
(d) Completed Operations Receipts Per$1000 of Receipts
(e) Products Sales Per $1000 of Sales
(f) Other—Describe
•
Coverage D Total Provisional Premium $ $
Coverage E Total Provisional Premium $
Section II Total Provisional Premium $
*The number in this column for each building identifies the building of the same number listed elsewhere in the declarations.
t Annual Premium Bases, Rates and Provisional Premiums
1-9197 7-66 PRINTED IN U.S.A. 1266 ND lA
The Travelers (Package Policies.
GENERAL PURPOSE ENDORSEMENT
Effective from 1/15/68 Amending Policy numbered ND 6256402
At IE noon standard
ndard time at the address of the Named Insured Date of Issue 1/25/68 DH
stated in the policy declarations.
Named Insured WEE D COUNTY
Continuous Policy_Three Year PolicyX Next Policy Anniversary or Expiration Date 1/15/71
Office DENVER 052 Producer HOPKINS..LUNDY INS. INC. 41707
Total premium due under this endorsement: Additional $ Return $
I. Complete the following:
❑Additional PremiumDates Due
❑ Return Premium
2. It is agreed that as of the effective date hereof the policy is amended in the following particulars:
TO COVER ALL PROPERTY OF WELD COUNTY EXCEPT:
(1) HOSPITAL AT 16TH STREET AND 18TH AVENUE, GREELEY, COLORADO.
(2) CONTENTS OF LIVESTOCK EXHIBIT BUILDING, BREEDING BEEF SHED
AND HORSE SHED AT ISLAND GROVE PARK, GREELEY, COLORADO.
This endorsement is executed on the reverse side hereof. ND2A
If any additional premium is noted on the reverse side, this endorsement is issued in consideration thereof.
If any return premium is noted on the reverse side, the receipt thereof is acknowledged upon acceptance of this endorsement.
THE CHARTER OAK FIRE INSURANCE COMPANY THE TRAVELERS INDEMNITY COMPANY
iii- ,%.gib%�/yJ4Us
Secretary Secretary
Countersigned by_ '2 c--e>
1-3902 REV. 1-66 PRINTED IN U.S.A. 567 ND2A
-., . . . _ _ .
•
T\ T-)A_ _i
The Travelers (Package Policies)
SCHEDULED PROPERTY SUPPLEMENTAL CONTRACT B
(Applicable to Section I)
Attached to Policy No. ND 6256402
The Travelers agrees with the Insured, named in the declarations on page 1 of the policy, to provide insurance as described
herein or in the form(s) attached designated below in consideration of the payment of premium and in reliance upon the state-
ments in the declarations of this Supplemental Contract and the policy to which it is attached and subject to all the terms of
this Supplemental Contract.
Declarations
Amount of Insurance $1,121,000.00 Rates VRS• Premiums 9,294.00 (3 YEAR)
Subject to Form No.(s) TOWN AND COUNTRY EQUIPMENT FLOATERS
(Space for Attachment of Form)
(Continued on page 2)
ND33
Page 2
Conditions
1. Misrepresentation and Fraud—This entire Supplemental Contract shall be void if,whether before or after a loss, the
Insured has concealed or misrepresented any material fact or circumstance concerning this insurance or the subject
thereof, or the interest of the Insured therein, or in case of any fraud or false swearing by the Insured relating thereto.
2. Notice of Loss—The Insured shall as soon as practicable report in writing to The Travelers or its agent every loss, damage
or occurrence which may give rise to a claim under this Supplemental Contract and shall also file with The Travelers or
its agent within 90 days from date of discovery of such loss, damage or occurrence, a detailed sworn proof of loss.
3. Examination Under Oath—The Insured, as often as may be reasonably required, shall exhibit to any person designated by
The Travelers all that remains of any property herein described, and shall submit, and in so far as is within his or their
power cause his or their employees, members of the household and others to submit to examinations under oath by any
person named by The Travelers and subscribe the same; and, as often as may be reasonably required, shall produce for
examination all writings, books of account, bills, invoices and other vouchers, or certified copies thereof if originals be
lost, at such reasonable time and place as may be designated by The Travelers or its representative, and shall permit
extracts and copies thereof to be made. No such examination under oath or examination of books or documents, nor any
other act of The Travelers or any of its employees or representatives in connection with the investigation of any loss or
claim hereunder, shall be deemed a waiver of any defense which The Travelers might otherwise have with respect to any
loss or claim, but all such examinations and acts shall be deemed to have been made or done without prejudice to The
Travelers' liability.
4. Valuation—The Travelers shall not be liable beyond the actual cash value of the property at the time any loss or damage
occurs and the loss or damage shall be ascertained or estimated according to such actual cash value with proper deduction
for depreciation, however caused,'and shall in no event exceed what it would then cost to repair or replace the same with
material of like kind and quality.
5. Settlement of Loss—All adjusted claims shall be paid or made good to the Insured within 60 days after presentation and
acceptance of satisfactory proof of interest and loss at the office of The Travelers. No loss shall be paid or made good if
the Insured has collected the same from others.
6. No Benefit to Bailee—This insurance shall in nowise inure directly or indirectly to the benefit of any carrier or other
bailee.
7. Subrogation or Loan—If in the event of loss or damage the Insured shall acquire any right of action against any individual,
firm or corporation for loss of, or damage to, property covered hereunder, the Insured will, if requested by The Travelers,
assign and transfer such claim or right of action to The Travelers or, at The Travelers' option, execute and deliver to
The Travelers the customary form of loan receipt upon receiving an advance of funds in respect of the loss or damage;
and will subrogate The Travelers to, or will hold in trust for The Travelers, all such rights of action to the extent of the
amount paid or advanced, and will permit suit to be brought in the Insured's name under the direction of and at the expense
of The Travelers.
8. Reduction in Amount of Insurance—The amount of insurance and the applicable limit of liability, upon the occurrence of
any loss covered hereunder, is reduced by the amount of such loss.
9. Pair, Set or Parts—In the event of loss of or damage to:
(a) any article or articles which are a part of a pair or set, the measure of loss of or damage to such article or articles
shall be a reasonable and fair proportion of the total value of the pair or set, giving consideration to the importance
of said article or articles, but in no event shall such loss or damage be construed to mean total loss of the pair or
set; or
(b) any part of property covered consisting, when complete for use, of several parts, The Travelers shall only be liable
for the value of the part lost or damaged.
10. Protection of Property—In case of loss, it shall be lawful and necessary for the Insured, his or their factors, servants and
assigns, to sue, labor,and travel for, in and about the defense, safeguard and recovery of the property insured hereunder,
or any part thereof, without prejudice to this insurance, nor shall the acts of the Insured or The Travelers, in recovering,
saving and preserving the property,Insured in case of loss be considered a waiver or an acceptance of abandonment. The
expenses so incurred shall be borne by the Insured and The Travelers proportionately to the extent of their respective
interests.
11. Suit—No suit, action or proceeding for the recovery of any claim under this Supplemental Contract shall be sustainable in
any court of law or equity unless the same be commenced within 12 months next after discovery by the Insured of the
occurrence which gives rise to the claim, provided however, that if by the laws of the State within which this Supple-
mental Contract is issued such limitation is invalid, then any such claims shall be void unless such action, suit or
proceeding be commenced within the shortest limit of time permitted by the laws of such State.
12. Appraisal—If the Insured and The Travelers fail to agree as to the amount of loss, each shall, on the written demand of
either, made within 60 days after receipt of proof of loss by The Travelers, select a competent and disinterested appraiser,
and the appraisal shall be made at a reasonable time and place. The appraisers shall first select a competent and dis-
interested umpire, and failing for 15 days to agree upon such umpire, then, on the request of the Insured or The
Travelers, such umpire shall be selected by a judge of a court of record in the State in which such appraisal is pending.
The appraisers shall then appraise the loss, stating separately the actual cash value at the time of loss and the amount
of loss, and failing to agree shall submit their differences to the umpire. An award in writing of any two shall determine
the amount of loss. The Insured and The Travelers shall each pay his or its chosen appraiser and shall bear equally the
1-4271 (Continued on page 3) ND33
TOWN AND COUNTRY EQUIPMENT FLOATER
ATTACHED TO AND FORMING PART OF POLICY NO ND 6256402 TKE_TRAVELERS
INDEMNITY COMPANY , HARTFORD, CONNECTICUT.
PROPER 11 Y COVERED
THIS POLICY COVERS ONLY WITH RESPECT 10 SUCH AND SO kye_' U OF THE OLL OW
ING CLASSES OF PROPERTY OF THE ASSURED OR THE PROPEP44 OF OTHERS FOR
WHICH THE ASSURED MAY BE LIABLE AS ARE INDICATED BY AMOUNT OF INSUR-
ANCE APPLICABLE THERETO, AND A PREMIUM THEREFOR , EX &.:, T AC HEREINAFTER
PROVIDED.
AMOUNT OF INSURANCE._ AMOUNT OF
PF'EM`! i1M
(A)ROAD CONSTRUCTION EQUIP.
(B)POI. I CE DEPARTMENT EQUIP. . .
(C)PARK MAINT. & PLAYGROUND
(D�FIRE DEPT. EQUIP. I;EQUIP . . . -
(E)VOflNG MACHINES _.
I F )"
(G)
(H)TOTAL 1,121,000.00 _
2 , PERI ,_S INSURED
THIS POLICY INSURES AGAINST ALL RISKS OF DIRECT PFIYS' , a'>_ LOSS CR DAM—
AGE FROM ANY EXTERNAL CAUSE EXCEPT AS HEREINAFTER PR ' : ; DEO.
3. DEDUCTIBLE CLAUSE
EACH CLAIM FOR LOSS OR DAMAGE SHALL BE ADJUSTED SEPt.:: :11_Y;'_'z AND 5";?OM
THE AMOUNT OF EACH ADJUSTED CLAIM THE SUM OF t 100 ::' DE f EOU'OTE O.
SUCH DEDUCTIBLE SHALL NOT APPLY , HOWEVER , TO LOSS OF :AGE CAUSED
BY FIRE, LIGHTNING, WINDSTORM, CYCLONE , TORNADO, kA 1L, . .LOSGAS,
RIOT, RIOT ATTENDING A STRIKE, CIVIL COMMOTION, A'iRo ...r SMOKE,
O ,.
EARTHQUAKE, COLLAPSE OF BRIDGES OR CULVERTS; Cc., 1c00 J ii. , DERi'.; LMENT
OR OVERTURN OF THE VEHICLE ON WHICH 'NE Nr3URED PRO ='ETY IS BEING
TRANSPORTED; STRANDING, SINKING, BURNING OR COLLISI0 . 'f VESSELS.
4 PROPERTY NOT COVERED OR SUBJECT TO LIMIS'A IONS
THIS POLICY DOES NOT INSURE :
(A) AMBULANCES, AUTOMOBILES, FIRE FIGHTING VEHICLES ,. o-OTORCYCLES,
POLICY VEHICLES, TRUCKS, AUTO HOMES OR TRAILER. •)7R THAN
BOAT TRAILERS OR OTHER SIMILAR CONVEYANCES DES I r, s:�.:,' FOR F"i G:l,
WAY USE;
(B) REAL PROPERTY AND BUILDINGS, IMPROVEMENTS AND BETTERMENTS,
THERETO, FIXTURES, FURN TURF OR +:URV ; SH I NG,S TI ES,LI AND EX.PEN—
D ?BLE SUPPLIES CONTAINED THEREN;.
(C) A 4 RCRAF7;
CO ') WA1ERCRAF'Y , EXCEPT OUTBOARD MOTOR 8OAZ S, OU'rk3o;AA0 R.04—
BOATS AND CANOES, FLOATING DOCKS, .SWIMMING FLOAT'._;)
(E;} PLANS, BLUE PRINTS, DESIGNS OR .`a PEC 4 V CA.T I ONS, 'L' :IS OR TARPAU—
LINS; OR UNDERGROUND PROPERTY GR PROPER11 i.. .:c:ATEC UNDER—
(F) ELECTRICAL APPLIANCES OR DEVICES INCLUDING WIRE ' : AGAMN:3: f ELEC-
TRICAL DAMAGE OR DISTURBANCE FROM ANY CAUSE EXC.:. LIGHTNING .
(G) CURRENCY , MONEY , STAMPS, BULLION, NOTES, SECUR :1 !ii_ , DEEDS,
ACCOUNTS, BILLS, EVIDENCES OF DEBT, LETTERS OF 'J ' T AND TICKETS,
5. PERILS NOT COVERED
THIS POLICY DOES NOT INSURE AGAINST LOSS OR DAMAGE Cl--:. WED BY OR RE-
SULTING FROM:
(A) DELAY OR L033 OF USE, HOWSOEVER CAUSED;
(B) THE WEIGHT OF A LOAD EXCEEDING THE LIFTING CAPACL Y OF ANY
MACHINE UNDER THE OPERATING CONDITIONS AT THE Tlr ;:m OF SUCH
LOSS OR DAMAGE;
(C) WEAR AND TEAR, GRADUAL DETERIORATION, INHERENT VICE, MOTHS,
VERMIN, LATENT DEFECT, MECHANICAL OR ELECTRICAL `::REAKDOWN OR
FAILURE; LOSS BY FREEZING, DAMPNESS OF ATMOSPHER: : OR CHANGES
OF TEMPERATURE;
(D) DAMAGE OCCASIONED BY ANY REPAIRING, ADJUSTING, SLICING OR
OTHER MAINTENANCE OPERATION UNLESS FIRE ENSUES AJ THEN THIS
COMPANY SHALL BE LIABLE ONLY FOR THE LOSS OR DANY E BY SUCH
ENSUING FIRE;
(.E) INFIDELITY, EMBEZZLEMENT, SECRETION OR WRONGFUL D'NVERSION OF
INSURED PROPERTY BY THE INSURED'S EMPLOYEES OR F SONS TO WHOM
THE INSURED PROPERTY IS ENTRUSTED (CARRIERS FOR 4IRE EXCEPTED) ;
(F) MYSTERIOUS DISAPPEARANCE OR SHORTAGE DISCLOSED LY TAKING INVEN-
TORY;
(G) (1 ) HOSTILE OR WARLIKE' ACTION IN TIME OF PEACE WAR, INCLUD-
ING ACTION IN HINDERING, COMBATING OR DEFEL IIG AGAINST
AND ACTUAL IMPENDING OR EXPECTED ATTACK, (A) 3Y ANY GOV-
ERNMENT OR SOVEREIGN POER (DE JURE OR DE F:.^1-[ ) , OR BY
ANY AUTHORITY MAINTAINING OR USING MILITARY . NAVLA nA
OR AIR FORCES; OR (B) BY MILITARY , NAVAL '.11: AIR FORCES;
OR (C) BY AN AGENT OF ANY SUCH GOVERNMENT, €ER, AUTHOR-
ITY OR FORCES;
(2) ANY WEAPON OF WAR EMPLOYING ATOMIC FISSION C:J RADIOACTIVE
FORCE WHETHER IN TIME OF PEACE OR WAR;
(3) INSURRECTION, REBELLION, REVOLUTION, CIVIL R, USURPED
POWER, OR ACTION TAKEN BY GOVERNMENTAL AUTs,L : 1TY IN HIND—
GERING, COMBATING OR DEFENDING AGAINST SUCH :?W OCCURRENCE,
SEIZURE OR DESTRUCTION UNDER QUARANTINE OR . STOWS REGU—
LATIONS, CONFISCATION BY ORDER OF ANY GOVEI :; EMI OR PUBLIC
AUTHORITY, OR RISKS OF CONTRABAND OR ILLEG . (TRANSPORTATION
OR TRADE;
(H) NUCLEAR REACTION OR NUCLEAR RADIATION OR RADIOACTIVE CONTAMINA—
TION, ALL WHETHER CONTROLLED OR UNCONTROLLED, Ales WHETHER SUCH
LOSS BE' DIRECT OR INDIRECT, PROSIMATE OR REMOTE, DR BE IN WHOLE
OR IN PART CAUSED BY, CONTRIBUTED TO, OR AGGRAVATTD BY THE
PERIL(S) INSURED AGAINST IN THIS POLICY; HOWEVE " , SUBJECT TO
THE FOREGOING AND ALL PROVISIONS OF THIS POLICY , DIRECT LOSS BY
FIRE RESULTING FROM NUCLEAR REACTION OR NUCLEAR "ADIATION OR
RADIOACTIVE CONTAMINATION IS (NSURED AGAINST BY Y IS POLICY ,
6. OTHER INSURANCE
IF AT THE TIME OF LOSS OR DAMAGE THERE IS ANY OTHER V.;LiD INSURANCE
WHICH WOULD ATTACH IF THIS INSURANCE HAD NOT BEEN EFFLC'TED , THIS
INSURANCE SHALL APPLY ONLY AS EXCESS AND i'N NO EVENT ': CONTifl... BU"TING
INSURANCE AND THEN ONLY AFTER ALL OTHER INSURANCE H1 :.,; TEEN EXHAUSTED.
7 , TERRITORIAL LIMITATIONS
THIS INSURANCE COVERS ONLY WITHIN LIMITS OF CONTINENT.Y., UNIIED STATES
AND CANADA UNLESS OTHERWISE ENDORSED HEREON.
8. COINSURANCE
IN THE EVENT OF LOSS THIS COMPANY SHALL B€ LIABLE Fe:: NO GREATER
PROPORTION OF THE LOSS THAN THE AMOUNT OF INSURANCE APPLYING TO THE
CLASS OF PROPERTY INVOLVED AS SHWON IN PARAGRAPH I OF THIS FORM
BEARS TO 90 % OF THE ACTUAL CASH VALUE OF ALL OF S/HD CLASS OF
PROPERTY DESCRIBED HEREIN AT THE TIME WHEN SUCH LOSS .>CCURS.
FOR THE PURPOSE OF VERIFYING THE ACTUAL CASH VALUE OF PROPERTY IN-
SURED HEREUNDER THE ASSURED AGREES TO MAINTAIN AND kEL ? AN ACCURATE
RECORD OF ALL SUCH PROPERTY. THE COMPANY THROUGH ITS AUTHORIZED
REPRESENTATIVE AND AT ALL REASONABLE TIMES SHALL HAVE ACCESS TO THE
ASSURED'S RECORDS FOR THE PURPOSE OF DETERMING THE ACTUAL CASH VALUE
OF THE PROPERTY AT TISK UNDER THIS POLICY.
9. SUBJECT TO ALL THE CONDITIONS OF THE POLICY TO WHICH THIS FORM IS
ATTACHED EXCEPT THAT ANY CLAUSES AND CONDITIONS THER,:IJ IN CONFLICT
WITH THE TERMS OF THIS FORM ARE WAIVED AND DECLARED :L LL AND VOID
IN SO FAR AS THEY CONFLICT.
AGENT
HO LUNDY INSURORS, INt•
200 lit Nat'I Bank Bldg.,353-553(
GREELEY, COLORADO
Page 3
other expenses of the appraisal and umpire. The Travelers shall not be held to have waived any of its rights by any act
relating to appraisal.
13. Application of Policy Provisions—None of the insuring agreements, conditions or other provisions of the policy shall
apply to the insurance afforded by this Supplemental Contract except the declarations on page 1 of the policy, and the
provisions captioned "Continuous Policy", and "Cancellation" or "Cancellation of policy", whichever appears in the
policy, applicable to Section I of the policy.
The words "policy" and "Company" wherever used in a form or endorsement attached to this Supplemental Contract are
amended to read "Supplemental Contract" and "The Travelers" respectively.
THE CHARTER OAK FIRE INSURANCE COMPANY THE TRAVELERS INDEMNITY
COMPANY
t IT
arearC
Secretary Secretary
1-4271 4-67 PRINTED IN U.S.A. ND33
The Travelers (Institutional) ND 76 (Central NS)
PROVISIONS APPLICABLE TO SECTION I
Standard Form
Description of Property and Interests Insured
•
Coverage A—Building—The building or other structure used and located ♦ and watercraft (except row boats and canoes while out of the water
as described in the declarations and equipment,machinery,and supplies, and on the premises), including motors,equipment and accessories;
all owned by the Insured and used for service of the building while on the (b) money and securities; harvested crops;
premises.
(c) outdoor television equipment owned by others;
The following are not insured under Coverage A: (d) any property insured in whole or in part under Coverage A or more
(a) cost of excavations, grading or filling; specifically under this or any other contract of insurance;
(b) foundations,piers or other supports of the building or its equipment, (c) Insured's interest in personal property in which parties other than
which are below the undersurface of the lowest basement floor or the Insured also have an insurable interest when the Insured's
below the surface of the ground if there is no basement; interest in said property is otherwise covered by insurance;
(c) underground flues, pipes or drains; (f) property of others if the Insured has assmned liability therefor
(d) driveways, curbing, walks, fences, retaining walls and lawns, trees, under any contract or agreement;or
plants and shrubs, except as provided elsewhere in this policy; (g) household furnishings and personal effects of the Insured,or officers,
land or growing crops;or partners,or stockholders thereof,or relatives of any of the foregoing,
used for private or personal use, unless the policy is otherwise en-
(e) outdoor swimming pools, piers, wharves, docks, beach or diving dorsed.
platforms, or appurtenances thereto, unless otherwise endorsed
hereon. Coverage C
Coverage B—Personal Property—Personal property usual or incidental Loss of Income—Meaning loss of income during the period of recovery
to the Insured's business described in the declarations, while on or directly resulting from interruption of the Insured's operations at the
within 100 feet of the premises,consisting of: premises caused by a loss insured under Coverage A or 13.
(a) personal property, including furniture, fixtures, equipment, and Loss of Income coverage applies to expenses necessarily incurred for the
supplies,all owned by the Insured; purpose of reducing such loss, but in no event shall the aggregate of
such expenses exceed the amount by which the loss under this policy is
(b) at the option of the Insured, personal property of others, while in thereby reduced. Such expenses shall not be subject to the application
the care,custody or control of the Insured and for which the Insured of the Coinsurance Clause.
is liable;and
(c) improvements and betterments to buildings not owned by the The Travelers shall not be liable under Coverage C for any increase of
Insured at the premises, but only to the extent of the Insuredd's loss:
• interest therein. (a) which may be occasioned by the suspension,lapse or cancellation of
any lease, license, contract or order, or
The following are not insured under Coverage II: (b) due to interference at the premises by strikers or other persons with
(a) automobiles, motor-trucks, trailers,and similar vehicles;other self- rebuilding, repairing or replacing the property or with the resump-
propelled vehicles or machines licensed for highway use; aircraft; 0 don or continuation of normal operations.
Perils Insured Against
The Traveler, insures under Section I of this policy, except as herein- 0 following are not explosions within the intent or meaning of these
after provided, against direct loss by: provisions:
(a) concussion unless caused by explosion;
1. Fire or lightning, but excluding loss resulting from any electrical
injury or disturbance to electrical appliances, devices or wiring from (b) sonic boom;
artificial causes, unless fire ensues and, if fire does ensue, The Tray- (c) electrical arcing;
elers shall be liable only for its proportion of loss caused by such (d) water hammer,or rupture or bursting of water pipes.
ensuing fire.
5. Riot and civil commotion, including direct loss by acts of striking
2. Removal, meaning direct loss by removal of the insured property employees of the Insured or of any tenant of the building containing
from premises endangered by the perils insured against, including the insurer) property while such building is occupied by said striking
coverage pro rata for 30 days at each proper place to which such employees, and direct loss from pillage and looting occurring during
property shall necessarily be removed for preservation from or for and at the immediate place of a riot or civil commotion.
repair of damage caused by the perils insured against.
6. Aircraft,meaning only physical contact between an aircraft or objects
3. Windstorm or hail,excluding loss: falling therefrom and the insured property or building containing the
(a) caused directly or indirectly by frost or cold weather or ice insured property.
(other than hail),snowstorm or sleet,all whether driven by wind 7. Vehicles, meaning only physical contact between a vehicle and the
or not; insured property or building containing the insured property, but
(b) to the interior of a building or the insured property therein excluding loss: (a) by vehicles which are owned or operated by the
closed by rain, snow, sand or dust, all whether driven by wind Insured or any occupant of the premises; and (b) to contents of a
or not, unless the building insured or containing the insured vehicle.
property shall first sustain an actual damage to roof or walls by
the direct force of wind or hail,and then The Travelers shall be g, Sudden and accidental discharge of smoke, other than smoke from
liable for loss to the interior of the building or the property industrial operations or agricultural smudging.
insured therein as may be caused by rain, snow, sand or dust
entering the building through openings in the roof or walls made 9. Vandalism and malicious mischief,meaning only wilful and malicious
by direct action of wind or hail;or physical injury to or destruction of the insured property, but exclud-
(c) by water,from sprinkler equipment or other piping unless such mg any loss:
equipment or piping be damaged as a result of wind or hail. (a) to glass (other than glass building blocks) constituting a part of
the building;
4. Explosion, including direct loss resulting from the explosion of
(b) to outdoor signs;
accumulated gases or unconsumed fuel within the firebox (or com-
bustion chamber) of any fired vessel or within the flues or passages (c) by pilferage, theft, burglary or larceny,except loss by wilful and
which conduct the gases of combustion therefrom. However, The malicious physical injury to or destruction of a building insured
Travelers shall not be liable for loss by explosion,rupture or bursting hereunder;or
of steam boilers, steam pipes, steam turbines, steam engines or (d) while the building is vacant beyond a period of 30 consecutive
rotating parts of machinery caused by centrifugal force,if owned by, days, but a building under construction shall not be deemed
leased by,or actually operated under the control of the Insured.The 0 vacant.
(Continued on page 2)
•
ND 76 (Central NS)
ND 76 Page 2
Extensions of Coverage
1. Property at premises not owned or controlled by the Insured— 4 This Extension is applicable only when the Insured owns, or is the
Insurance n(lorded under Coverage A or 13 also applies as an ad- general lessee of, the premises or completely or partially operates,
ditional amount to the property insured while at premises not owned maintains or controls the elevators therein.
or controlled by the Insured. This Extension shall not apply: (a)
for more than the Inuit of liability specified therefor in the Ueclara- 5. Insurance afforded under the Coverage indicated below also applies
tious; (b) to property which is rented or leased; (c) to property in in any one loss
due course of transit; or (d) to loss which is insured in whole or in (a) under Coverage A or B separately, to expenses incurred in the
part elsewhere in the policy. removal of debris of the insured property occasioned by loss
2. Insurance afforded under Coverage A or B also applies as an addi- thereto for which coverage is afforded;
tioual amount of insurance in any one loss: (b) under Coverage B, to consequential loss caused by change in
temperature or humidity resulting front an insured loss to equip-
(a) to property in transit,) including direct o loss obyverturn
collision (except P 6
meat on the premises (including connections and supply lines
ing cant with roadbed),amount
or cee inn of the the trasum oft- ( g
ing conveyance, for;m anwunt not exceeding 5% of sum of and pipes) used for refrigerating, cooling, humidifying, de-
the limits applicable to Coverages A:and B or 85,000, whichever humidifying, air conditioning, heating, generating or converting •
..
is less, power; but this Extension does not apply to loss caused by
striking employees, riot, civil commotion, or vandalism and
(b) for extra expense,tcontinueu exceeding $1,000,do s which nechi:hry incurred bd malicious mischief;and
the Insured of lssby normal operations stare interrupted opety
as a result of loss a peril insured against to the property (c) under Coverage C,when access to the premises is prohibited by
covered hereunder while on the premises, but only for the period order of civil authority as a direct result of a peril insured against,
of time required with the exercise of due diligence and dispatch to the actual loss as inured hereunder during a period of time
to restore normal operations. not exceeding two consecutive weeks;
(c) to driveways, curbing, walks, fences, retaining walls and lawns, but Extensions 5(a), 5(b) and 5(c) do not increase the limit of lia-
trees, plants and shrubs not grown for commercial purposes, bility for the applicable coverage.
located on the premises, against direct loss by lire, lightning,
explosion, riot, civil commotion, or aircraft; but The Travelers 6. Newly acquiredproperty—Such insurance as is afforded under the
shall not he liable under this Extension for more than $250 on q,
any one tree, plant or shrub, including expenses incurred in Coverage indicated below applies in any one loss for an additional
removing debris thereof, nor in any event for more than $1,000 amount not exceeding 10% of the suns of the limits applicable to
Coverages A and 13 or$100,000 whichever is less,as follows:
in any one occurrence;and
(d) for expenses necessarily incurred by the Insured for the repro- (a) under Coverage A, to: (I) new additions, new buildings and
duction rt , valuable papers and records pertaining o the insured
structures when constructed during the policy period; or (2)
property, for an amount not exceeding 1°fa of the sum of the buildings acquired by the Insured during the policy period at
limits applicable to Coverages crage: A and 13 or $5,000, whichever is premises not designated in the declarations and used by him in
less. whole or in part for the purposes of use described in the dec-
larations;
3. Personal effects—At the option of the Insured, insurance afforded (b) under Coverage B,to property acquired by the Insured during the -
under Coverage B also applies as an additional amount of insurance policy period at premises owned or controlled by him, provided
to employees personal effects not usual or incidental to the In- such premises are not designated in the declarations; but this
sured's business, and not otherwise insured, while on any premises coverage under (b) shall not apply to loss insured in whole or in
owned or controlled by the Insured, for an amount not exceeding part under the Value Reporting Endorsement nr Special Value
$500 for any one employee, nor more than $5,000 in any one oc- Reporting Endorsement,if either endorsement is attached to the
currence, policy;
4. Elevator collision—Insurance afforded by Coverage A or B also provided the Insured's interest is not insured under;my other policy.
applies for an additional amount not exceeding 2.5% of the limits This Extensionof coverage shall cease 60 days from the(late constrtm-
n construe-
applicable to Coverages A and B or$25,000,whichever is less,against
p1 e
g" tiers begins, 60 claps from the date the property is incquired, the
direct loss to elevators and to any property owned,occupied or used ,late the values of such construction or acquisition ire reported to
by, or rented to, or in the care, custody or control of the Insured, 'Pee Travelers,or the last day of the policy period, whichever occurs
caused by collision of the elevator or anything carried thereon with first Additional premium shall be due and payable fur values so
another object, provided this extended insurance does not apply to: reported from the date construction begins or the date of acquisition.
(a) loss directly due to the breaking,burning out or disruption of any
electrical machine which is not located within the elevator car; 7. Dwelling property—Insurance affnrdeil under the Coverage indicated
(b) loss to ally electrical machine arising out of the breaking,burning below also applies in any one loss as an additional amount up to 10%
out or disruption thereof; of the actual cash value of:my dwelling insured hereunder to each of
(c) liability for loss assumed by the Insured tinder any contract or the following:
agreement except any agreement required by municipal ordi- (a) under Coverage A, to private structures pertaining to the dwel-
nance. ling;
The word "elevator" means ally hoisting or lowering device to (b) under Coverage C, to rental value of the dwelling or its private
connect floors or landings at the premises, but does not include a structures,whether rented or not. •
hoist without a platform outside a building if without mechanical A 'dwelling''is defined as a residential building occupied by not more
power or if not attached to building walls;or a hod or material hoist than four families (excluding janitor's or servant's quarters) or con-
used in alteration, construction or demolition operations, or an in- taining not more than five rooms rented or held for rent.
dined conveyor used exclusively for carrying property, or a dumb-
waiter used exclusively for carrying property and having a compart- This Extension does not apply to any private structure used in whole
ment height not exceeding four feet. 4 or in part for mercantile or farming purposes.
Loss Deductible Clause
The Travelers shall be liable under Coverages A and B in any one • policy declarations.
occurrence only for its proportion of a loss in excess of S100 except as If the deductible amount does not exceed S100, this deductible clause
otherwise provided by a specific entry in the deductible item in the ♦ shall not apply when the loss is S500 or more.
Exclusions
.ne Travelers shall not be liable under Section I: ♦ (d) for loss by any peril, other than fire or lightning, caused directly
or indirectly by:
(a) for loss occasioned by enforcement of any local or state ordinance
• or law regulating the construction, repair or demolition of any (1) hostile or warlike action is time of peace or war, including
building or structure unless such liability is otherwise specifically action in hindering, combating or defending against an actual,
assumed by endorsement hereon; impending or expects(? attack, (a) by :any government or
(b) for loons caused by, resol , a„ few, nu-finned to or aggravated such; tower (de jure or tie facto), or by any authority
by may of tile I IImcin6 in.Lim:Juan); or using military, naval or air forces;or (b) by
(I) flood, surlier water, waves, tidal water or tidal wave, over- ,nitit:ay, naval or air hares, or (c) by an ;Rein of :my such
fiou of srian,s or other bodies of water, or spin from any. government, purser, authority or forces, it being nuderstood
of the fuangi iing,ill whcthrr driven by wind or not; that any discharge, explosion or use of any weapon of svxr
('2) water which becks up through sewers or drains; employing nuclear fusion or fusion shall be conclusively pre-
sumed to be such as In a die or warlike action by y such a govern-
•. (3) wait below the surface of the ground including that which ment, power,authority or forces;
exerts pressure on or flows, steps or leaks through sidewalks,
driven-acs, fouud,ttions, walls basement or other floors, or (2) insurrection, rebellion, revolution, civil war, usurped power,
through doors, windows or any other openings in such side- or -fiction taken by governmental authority in hindering,
walls,dos t w:is s,foundations,walls or floors; combating or defending against such an occurrence, seizure or
destruction under quarantine or customs regulations, confhsca •
-
unless loss by fire or explosion ensues, and The Travelers shall tion by any order of any government or public authority, or
then be liable only for such ensuing loss;but this exclusion does not risks of contraband or illegal transportation or trade;
apply to loss by burglars-;
(e) for loss by any peril, other than fire or lightning caused by nuclear
(c) for lass by fire or lightning caused directly or indirectly by: (1) rctetion or nuclear radiation or radioactive contamination, all
enemy attack by armed forces, including action taken by military, whether controlled or uncontrolled, or due to any act or condition
naval or air forces in resisting an actual or an immediately mr incidenttt, to im toof the foregoing,r whether such loss be usedt or
y,
pending enemy attack; (2) invasion; (3) insurrection; (4) rebellion; indirect, proximate or remote, or be in whole or in par[ caused by,
(5) revolution; (6) civil rear; (7) usurped power or (S) order of contributed to, or aggravated by any of the perils insured against
ally civil nuthority except acts of destruction at the time of and by' t his policy; and nuclear reaction or nuclear radiation or radio-
for the purpose of preventing the spread of fire, provided that such active contamination, all whether controlled or uncontrolled, is
fire did not originate from any of the perils excluded by this policy; p not "explosion"or "smoke".
Basis of Loss Payment
1. Valuation of Property Owned by Insured—Coverages A and B—In O If a coverage, or item or extension thereof, is written both for a
the event of loss the value of that part of the property to which the specific limit for each premises and for an aggregate limit for all
loss occurred shall he determined as follows: such premises,the aggregate limit shall be used in the application of
(a) property except that described in items(b)through(d)below— the Coinsurance Clause.
the:actual cash value of property or the cost to repair or replace 6. Building Structures under Coverage A—Optional Replacement
the property with material of like kind and quality within a Cost Provisi11w Irml nay elect to disre vii the following reasonable time after loss, whichever is less; Provisions—The nsn gy provisions in making claim,lint such election shall not prejudice the(b) film, tape, wire or other recording media (except finished Insured's right to make further chin within 180 days after loss for
property held for sale)—an amount not exceeding the cost of any additional liability brought about by these provisions. '
unexposed blank film, tape, wire or other recording media, These provisions shall apply only to a building structure insured
(c) personal property sold but not delivered—regular cash selling under Coverage A, but shall not apply to Carpeting, cloth awnings,
price, less all discounts and charges to which such property and air conditioning units.
would have been subject had no loss occurred; When the Insured elects to make claim under these provisions, The
(d) valuable papers and records—an amount not exceeding the Travelers'liability for loss shall be determined as follows:
cost of blank books, blank cards and other materials plus the (a) A4hc n the replacement cost for loss to a building structure is less
actual cost of labor in transcribing or copying such records than $1,000, Coverage A is extended to include such replace-
except as provided in Extension 2(d) under Extensions of maemt cost.
Coverage" b If 'c' limit of liability
) is equal to or more than the coinsurance
percentage of the full replacement cost of the building structure,
2. Valuation of Improvements and Betterments under Coverage B—In Coverage A is extended to include replacement cost of such
the event of loss the value of that part of the property to which the building structure.
loss occurred shall be determined as follows:
(c) If the limit of liability,is less than the coinsurance percentage of
(a) if repaired or replaced at the expense of the Insured within a the full rep):tcement cost of the building structure, The Trav-
reasonable time after loss, the actual cash value; elers'liability for loss shall not exceed the larger of the following
(b) if not repaired or replaced within a reasonable time after loss, amounts:
that proportion of the original cost of the damaged or destroyed (1) the actual cash value loss,subject to the Coinsurance Clause;
property' which the unexpired term of the lease or rental agree- (2) that proportion of the replacement cost of the part of the
ment,whether written or oral,in effect at the time of loss bears building structure damaged or destroyed which the appli-
to the period from the date such improvements and better- cable li.nit of liability hears to the coinsurance percentage of
ments were nmatle to the expiration date of the lease;or the full replacement cost of such building structure.
(c) if repaired or replaced at the expense of others for the use of the (d) If a single limit of liability applies to two or more building
Insured,there shall be no liability hereunder. structures, the coinsurance percentage shall apply'to the values
as described herein of all building structures covered by such
3. Valuation of Property Owned by Others under Coverage B—The limit.
Travelers shag not be liable for more than the amount for which If a single limit applies to Coverages A and B, these provisions
the Insured is liable at the time and location of loss, including the I shall he applied on the basis of a modified limit of liability.Such
value of s rvices performed by the Insured prior to the time of laws, modified limit shall be obtained by subtracting from the limit
but nnl exceeding the actual cash value. shown in the declarations the product of the actual cash value
4. Limitations Applying to Valuation of Property under Coverages of property insured antler Coverage B multiplied by the co-
A and 13—In any event The Travelers shall not be liable for: insurance percentage.
(a) any increase in loss because of any ordinance or law regulating (e) The Travelers'liability for loss,including these provisions,shall
construction, repair or demolition; (b)compensation for loss result- not exceed the.smallest of the following;amounts:
ing from interruption of business; (c) more than the applicable (1) the applicable limit of liability';
unlit of liability; (d) more than the interest of the Insured in the (2) the replacement cost of that part of the building structure
property', but this shall not apply to property owned by others. to which loss occurred identical with such part on the same
premises and intended for the sane occupancy and use;or
5. Coinsurance Clause—Coverages A and B—The Travelers shall not
he liable fora greater proportion of any loss to the property insured (3) the amount actually and necessarily expended by the Lt-
than the applicable limit under the policy bears to the coinsurance cured in repairing or replacing that part of the building
percentage of the value of the property covered by such limit.Such structure to which loss occurred mud intended for the same
value of the property' shall be determined in accordance with the occupancy and use.
applicable valuation provisions under "Basis of Loss Payment" in (f) The Travelers shall not be liable under paragraphs (b)or (c)(2)
this form. This clause shall not apply to insurance afforded under of these provisions for any loss unless and until actual repair or
"Extensions of Coverage"2 through 7 of this form. replacement is completed by the insured.
(Continued on page 3)
ND 76 (Central NS)
ND 76 Pare 2
ND 76 Page 1
7. Waiver of Inventory—Coverages A and B In the event that the I ,.1 ending on the day preceding the beginning of
total claim for any loss i :e SS than $i(. Ot10 and less than 5% tut: i ;Jr school year following the date that the damaged or
of the limit of liability tippfisicit to the instated property, [to special destroyed property could,with the exercise of due diligence
inventory or ap iraisena nt ot the undamaged eed properly shall be and dispatch, be restored, but not limited by the date of
required, provided I that nothing herein shall be construed to waive expiration or cancellation of this policy.
o the application of the Coinsurance Clause.
I"
if the period of time as provided in the preceding paragraph
8. Definitions—Coverages A and L'— ends on a date within 30 days immediately preceding the
beginning of the first school year, the period of liability for
(a) "Actual cash value" means replacement cost less depreciation loss is extended to end on the day preceding the beginning
of that part of the property to which the loss occurs at the time of the second school year.
mid place of loss. Depreciation shall include obsolescence. The words "beginning of school year", however modified,
(b) "Coinsurance percentage" means the coinsurance percentage mean the opening date of school in the Fall as prescribed,
specified in the dccl sr tuous, subject to the provisions of the or as would be prescribed, in the school catalogue.
Coinsurance Clause. (3) "Period of Recovery", with respect to income other than
(c) "Loss", unless otherwise modified, means the loss at the time described in (d)(2)above,is the length of time which,would
and place of such loss. be required with the exercise of due diligence and dispatch
to rebuild, repair or replace the property which has been
(d) "Replacement cost"means the bill cost of repair or replacement damaged or destroyed, commencing with the date of such
at the time and place of loss without deduction for depreciation. damage or destruction, but not limited by the date of
9. Coverage C—Loss of Income—
expiration or cancellation of this policy.
(4) "Normal" describes the condition that would have existed
(a) The Travelers shall not be liable for more than the Insured's had no loss occurred.
actual loss of income during the period of recovery less charges
and expenses which do not necessarily continue during inter- 10. Appraisal—In case the Insured and The Travelers shall fail to agree
nrption of operations. as to the amount of loss,then,on the written demand of either,each
shall select a competent and disinterested appraiser and notify the
Due consideration shall he given to the continuation of normal other of the appraiser selected within 20 days of such demand. The
charges and expenses, including payroll expense, that would appraisers shall first select a competent and disinterested umpire;
have existed had no loss occurred to the extent necessary to and failing for 15 days to agree upon such umpire, then, on request
resume operations of the Insured with the same quality of
g 1 of the Insured ot The Travelers,, such umpire shall be s selected d by a
service which existed immediately preceding the loss. judge of a court of record in the state in which the insured property
In determining loss of income, due consideration shall be given is located. The appraisers shall then appraise the loss, staling the
to the experience of the Insurcd's operations before the date amount of loss to each item;and,foiling to agree,shall submit their
differences only to the umpire.
of damage or destruction and the probable experience thereafter e An award in writing, so itemized, of
had no loss occurred. any two when filed with The Travelers shall determine the amount
of actual cash value and loss. Each appraiser shall be paid by the
(b) Resumption of Operations—The Insured shall make ever
reasonable effort to resume operations as soon as after party selecting hint and the expenses of appraisal and umpire shall
possible be paid by the parties equally.
a loss and this shall include the use of substitute facilities or
services where practicable. 11. Options of The Travelers—It shall be optional with The Travelers
(c) Coinsurance Clause—The Travelers shall not be liable for a to take all, or any part, of the property at the agreed or appraised
4 greater proportion of any loss than the Iimit of liability ap- value,and also to repair,rebuild or replace the property to which the
plicuble to Coverage C bears to the percentage (specified in the loss occurred with other of like kind and quality within a reasonable
declarations) of the income that would have been churned (had time, on giving notice of its intention so to do within 30 days after
no loss occurred) during the months immediately following the the receipt of the proof of loss herein required.
date of such loss to the property.
12. Abandonment—There shall be no abandonment to The Travelers
(d) Definitions— t
of any property.
(I) "Income"is the total revenue from the nets des of goods or
services (including tuitions) and the rental or lease of 13. Payment for Property of Others—At the option of The Travelers-,
any loss to property of others may be adjusted with and paid to the
property to others,after deduction of the cost of goods and •
service supplies sold and services purchased (front other owners of such property.
than employees) for resale which do not continue under 14. When Loss Payable—The amount of loss for which The Travelers
corn ract.
may be liable shall be payable within 60 days after proof of loss,as
(2) "Period of P.eeovery", with respect to income dependent herein provided, is received by The Travelers and ascertainment of
upon the opening of a school or college on the date pre- the loss is made either be agreement between the Insured and The
scribed in the catalogue of such institution, is the length of Travelers expressed in writing or by the filing with The Travelers
time commencing with the date of damage to the insured o of an award as herein provided.
Conditions
I. Increase of Hazard—The Travelers shall not be liable for loss cc- • (c) "Money" means currency, coins, bank notes and bullion; and
curring while the hazard is increased by any means within the con- travelers checks, register checks and money orders held for
trol or knowledge of the Insured, except as otherwise provided sale to the public.
herein; however, this insurance shall not be prejudiced:
(a) by any act or neglect of the owner of any building if the Insured (d) "Securities" means all negotiable and non-negotiable instno-
is not the owner thereof, or by any act or neglect of any occu- ments or contracts representing either money or other property
pant (other than the Insured) of any building, when such act or and includes revenue or other stamps in current use, tokens
neglect of the owner or occupant is not within the control of the and tickets, but does not include money.
Insured, or
(e) "Valuable papers and records"means written, printed or other-
(b) by failure of the Insured to comply with any warranty or con di-di- 'wise inscribed documents and ar draining to the Ls,tion contained in any form or endorsement attached to this sured's business, including books, maps, drawings, abstracts,
policy with regard to any portion of the premises over which the deeds,mortgages and manuscripts,but does not nneou money or
Insured has no control. securities, films or electronic recordings, or property held as
2. Permission Granted— samples or for sale or for delivery after sale.
•
(a) for such use of the premises as is usual and incidental to the Mortgage 9.and use all nn aerials in Clause—Loss or damage, i( any, to buildings insuredbusiness of the Insured and to keep
under such quantities as arc usual and incidental to such business; n Section I shall b< payable to the monF far tru-t yet
urn d in the declnmtian_s,, as interest may e''' 'i
(L) for the premises to be vacant or unoccupied without liana of present or future morteu gas u time crept- 'otherwise provided in Section I for certain speci- C you the p Aorta
t perils; in which to n(orc.aid n na k!ac an n,an.L .a.
trustee), in iirder of prccHeiire of said at ng:iv
(e) to eonhtruct additions and I it make alterations and repairs t0 nlHe as lu the [ rC{ of the at r ee (or flu
the buildings r n the nr n -nand t erect new n unl s and ( hall nut be it i st _ g a n .l act or , i,ft
structures on the ,n��c, , n.. i ; of tLh- n t de _ -ih-1 u ropert}, our by : -
so-rlc to the protection of the riv from further damager c, r tam L or owm " u� p at th, property, nor by the
and provided further that the ..red shall keep an accurate - perrmitt d b, oupancy e ion 11; provided, that inpremses for purposes ocase re hazardous the mortgagor or
record of such repair expemft tires. the cost of any such re- owner shall neglect to pay any premium due under this policy, the
pairs directly attributable to damage by any peril insured mortgagee (or trustee) shall, oil demand, pay the same.
against shall be included on determining (he amount of loss
hereunder Nothing herein contained is intended to modify the Provided also, that the mortgagee (or trustee) shall notify The
policy requirements' applicable in case loss occurs,and in;milieu- Travelers is ally lchange of ownership knowledge
e e of occupancy or ese of
tar the requirement that, in case loss occurs, the Insured shall hazard trustee)
which shall come to the knowledge of said mortgagee ((Jr
protect the property from further damage. to ereon and, unless (or by this policy, it shall be noted
thereon and the mortgagee (or trustee) shall, on demand, pay the
3. Protective Safeguards—The Insured shall maintain so far as is premium for such increased hazard for the term of the use thereof;
within his control such protective safeguards as were stipulated in otherwise this policy shall be null and void.
the application for this insurance or for which credit in rate has been The Travelers reserves the right to cancel this policy at any time
granted. Failure to maintain such protective safeguards shall sus- as provided by its terms, but in such case this policy shall continue
pent' this insurance, only as respects the premises or situation in force for the benefit only of the mortgagee (or trustee) for ten
affected, for the time of the discontinuance of such safeguards. clays after notice to the mortgagee (or trustee) of such cancellation
4. Benefit to Bailee—The insurance afforded under Section I shall not and shall then cease,and The Travelers shall have the right,on like
inure directly or indirectly to the benefit of any carrier or other notice, to cancel this agreement.
bailee. Whenever The Travelers shall pay the mortgagee (or trustee) any
suns for loss or damage under this policy, and shill claim that,as to
5. Nuclear Clause—The word "fire"in Section 1 of this policy or forms the mortgagor or owner, no liability therefor existed, The Travelers
and endorsements attached hereto is not intended to and does not shall,to the extent of such payment,be thereupon legally subrogated
embrace nuclear reaction or nuclear radiation or radioactive con- to all rights of the party to whom such payment shall be made,
tam i nation, all whether controlled or uncontrolled, and loss by under all securities held as collateral to the mortgage debt, or may
nuclear reaction or nuclear radiation or radioactive contamination at its option pay to the mortgagee (or trustee) the whole principal
is not intended to be and is not insured against by Section I or said due or to grow due on the mortgage,with interest accrued thereon to
forms and endorsements, whether such loss be direct or indirect, the date of such payment,and shall thereupon receive a full assign-
proximate or remote, or be in whole or in part caused by, con- meat and transfer of the mortgage and of all such other securities;
tributed to, or aggravated by "fire" or any other perils insured but no subrogation shall impair the against by Section I or said forms right rt the mortgagee trustee's)
rust (')
and endorsements; however, trustee)to recover the full amount of said mortgagee's (or trustee s)
subject to the foregoing,and all provisions of Section I, direct loss claim.
by "fire" resulting from nuclear reaction or nuclear radiation or
10. Mortgagee's Obligations in Case of Loss—If the Insured fails to
radioactive contamination is insured against by Section I.
6. Divisible Contract Clause—If this policy insures two or more build- render proof of loss, the designated mortgagee (or trustee), upon
notice, shall render proof of loss in the form herein specified within
ings or personal property in two or more buildings, the breach of 60 days relating
to thereafter and shall ti eof to f provisions i of thi.
any condition with respect ed t ally shanell
or more Judi e insured or policy relating to appraisal and time of payment and of bringing suit.
containing the insured property .boll not prejudice the right to
recover for loss occurring in any building insured or containing theApplicable only
11. in New York—With respect it the Standard foam- _
insured property, where at the time of loss a breach of condition Exclusion (e) under "Exclusions" and Condition 5 under "Condi-
does not exist. (ions"are hereby deleted and replaced by the following clause:
7. Losses—Any payment for loss hereunder shall not reduce the "NUCLEAR CLAUSE—This policy does not cover loss or
applicable limit of liability under Section I with respect to subsea damage caused by nuclear reaction or nuclear radiation or
quent losses. radioactive contamination, all whether directly or indirectly
8. Definitions— resulting from an insured peril under this policy.
(a) "Declarations" means any declarations pertaining to the 12. Applicable only in Ohio—Such insurance as is afforded under See-
Lion I of the policy is extended to insure the cellar and foundation
coverage concerned,forming a part of or attached to the policy,
walls of a building insured under Coverage A for an additional
(b) "Premises" unless otherwise modified, means (1) under 5%
' amount not exceeding Coverage A, the premises of the building described in the
of the cash value of such insured building.
declarations, and (2) under Coverage B, that part of the 13. Applicable only in Florida on policies with Coinsurance—The rate
premises at the location designated in the declarations,which is charged in Section I is based upon use of a coinsurance clause in-
used by the Insured for the purposes stated therein. ♦ chided herein,with the consent of the Insured.
•
•
ND 76 (Central NS)
1.4009 4-65 PRINTED is U.S.A.
ND 76 (Central NS)
Hello