NMA 2868 08 00 SLC-3 Common Dec Page€¦ · Cargo Motor Truck Cargo Physical Damage Non Trucking...

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Lloyd’s Certificate

This Insurance is effected with certain Underwriters at Lloyd's,London.

This Certificate is issued in accordance with the limitedauthorization granted to the Correspondent by certain Underwriters at Lloyd's, London whose syndicate numbers and the proportions underwritten by them can be ascertained from the office of the said Correspondent (such Underwriters being hereinafter called "Underwriters") and in consideration of the premium specified herein, Underwriters hereby bind themselves severally and not jointly, each for his own part and not one for another, their Executors and Administrators.

The Assured is requested to read this Certificate, and if it is notcorrect, return it immediately to the Correspondent for appropriate alteration.

All inquiries regarding this Certificate should be addressed to the following Correspondent:

INTERNATIONAL EXCESS PROGRAM MANAGERS3700 PARK EAST DRIVE, SUITE 250BEACHWOOD, OHIO 441221-800-937-3497 PHONE 1-888-291-1382 FAX

SLC-3 (USA) NMA2868 (24/08/2000)

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CERTIFICATE PROVISIONS

1. Signature Required. This Certificate shall not be valid unless signed by the Correspondent on theattached Declaration Page.

2. Correspondent Not Insurer. The Correspondent is not an Insurer hereunder and neither is nor shall beliable for any loss or claim whatsoever. The Insurers hereunder are those Underwriters at Lloyd's, Londonwhose syndicate numbers can be ascertained as hereinbefore set forth. As used in this Certificate"Underwriters" shall be deemed to include incorporated as well as unincorporated persons or entities thatare Underwriters at Lloyd's, London.

3. Cancellation. If this Certificate provides for cancellation and this Certificate is cancelled after theinception date, earned premium must be paid for the time the insurance has been in force.

4. Service of Suit. It is agreed that in the event of the failure of Underwriters to pay any amount claimedto be due hereunder, Underwriters, at the request of the Assured, will submit to the jurisdiction of aCourt of competent jurisdiction within the United States. Nothing in this Clause constitutes or should beunderstood to constitute a waiver of Underwriters' rights to commence an action in any Court ofcompetent jurisdiction in the United States, to remove an action to a United States District Court, or toseek a transfer of a case to another Court as permitted by the laws of the United States or of any State inthe United States. It is further agreed that service of process in such suit may be made upon the firm orperson named in item 6 of the attached Declaration Page, and that in any suit instituted against any oneof them upon this contract, Underwriters will abide by the final decision of such Court or of anyAppellate Court in the event of an appeal.

The above-named are authorized and directed to accept service of process on behalf of Underwriters inany such suit and/or upon request of the Assured to give a written undertaking to the Assured that theywill enter a general appearance upon Underwriters' behalf in the event such a suit shall be instituted.Further, pursuant to any statute of any state, territory or district of the United States which makesprovision therefor, Underwriters hereby designate the Superintendent, Commissioner or Director ofInsurance or other officer specified for that purpose in the statute, or his successor or successors inoffice, as their true and lawful attorney upon whom may be served any lawful process in any action, suitor proceeding instituted by or on behalf of the Assured or any beneficiary hereunder arising out of thiscontract of insurance, and hereby designate the above-mentioned as the person to whom the said officeris authorized to mail such process or a true copy thereof.

5. Assignment. This Certificate shall not be assigned either in whole or in part without the written consentof the Correspondent endorsed hereon.

6. Attached Conditions Incorporated. This Certificate is made and accepted subject to all the provisions,conditions and warranties set forth herein, attached or endorsed, all of which are to be considered asincorporated herein.

7. Short Rate Cancellation. If the attached provisions provide for cancellation, the table below will be usedto calculate the short rate proportion of the premium when applicable under the terms of cancellation.

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Short Rate Cancellation Table For Term of One Year.

Days Insurance in Force

Per Cent of one year Premium







1 .................. 5% 2 .................. 6 3 - 4 ................... 7 5 - 6 ................... 8 7 - 8 ................... 9 9 - 10 .................. 10 11 - 12 .................. 11 13 - 14 .................. 12 15 - 16 .................. 13 17 - 18 .................. 14 19 - 20 .................. 15 21 - 22 .................. 16 23 - 25 .................. 17 26 - 29 .................. 18 30 - 32 ( 1 mos ) ...... 19 33 - 36 .................. 20 37 - 40 .................. 21 41 - 43 .................. 22 44 - 47 .................. 23 48 - 51 .................. 24 52 - 54 .................. 25 55 - 58 .................. 26 59 - 62 ( 2 mos ) ...... 27 63 - 65 .................. 28

66 - 69 ................. 29% 70 - 73 ................. 30 74 - 76 ................. 31 77 - 80 ................. 32 81 - 83 ................. 33 84 - 87 ................. 34 88 - 91 ( 3 mos ) ..... 35 92 - 94 ................. 36 95 - 98 ................. 37 99 - 102 ................. 38 103 - 105 .................. 39 106 - 109 .................. 40 110 - 113 .................. 41 114 - 116 .................. 42 117 - 120 .................. 43 121 - 124 ( 4 mos ) ..... 44 125 - 127 .................. 45 128 - 131 .................. 46 132 - 135 .................. 47 136 - 138 .................. 48 139 - 142 .................. 49 143 - 146 .................. 50 147 - 149 .................. 51 150 - 153 ( 5 mos ) ..... 52

154 - 156 ................. 53% 157 - 160 ................. 54 161 - 164 ................. 55 165 - 167 ................. 56 168 - 171 ................. 57 172 - 175 ................. 58 176 - 178 ................. 59 179 - 182 ( 6 mos ) ..... 60 183 - 187 ................. 61 188 - 191 ................. 62 192 - 196 ................. 63 197 - 200 ................. 64 201 - 205 ................. 65 206 - 209 ................. 66 210 - 214 ( 7 mos ) ..... 67 215 - 218 ................. 68 219 - 223 ................. 69 224 - 228 ................. 70 229 - 232 ................. 71 233 - 237 ................. 72 238 - 241 ................. 73 242 - 246 ( 8 mos ) ..... 74 247 - 250 ................. 75 251 - 255 ................. 76

256 - 260 ................. 77% 261 - 264 ................. 78 265 - 269 ................. 79 270 - 273 ( 9 mos ) ..... 80 274 - 278 ................. 81 279 - 282 ................. 82 283 - 287 ................. 83 288 - 291 ................. 84 292 - 296 ................. 85 297 - 301 ................. 86 302 - 305 ( 10 mos ) .... 87 306 - 310 ................. 88 311 - 314 ................. 89 315 - 319 ................. 90 320 - 323 ................. 91 324 - 328 ................. 92 329 - 332 ................. 93 333 - 337 ( 11 mos ) .... 94 338 - 342 ................. 95 343 - 346 ................. 96 347 - 351 ................. 97 352 - 355 ................. 98 356 - 360 ................. 99 361 - 365 ( 12 mos ) .... 100

Rules applicable to insurance with terms less than or more than one year:

A. If insurance has been in force for one year or less, apply the short rate table for annual insurance to the full annual premium determined as for insurance written for a term of one year.

B. If insurance has been in force for more than one year:

1. Determine full annual premium as for insurance written for a term of one year.

2. Deduct such premium from the full insurance premium, and on the remainder calculate the pro rataearned premium on the basis of the ratio of the length of time beyond one year the insurance hasbeen in force to the length of time beyond one year for which the policy was originally written.

3. Add premium produced in accordance with items (1) and (2) to obtain earned premium during fullperiod insurance has been in force.

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This Declaration Page is attached to and forms part of Certificate provisions (Form SLC-3 USA NMA2868)

Previous No. Certificate No.Authority Ref. No. B0713FINFR1801707

1. Name and address of the Assured:

2. Effective from to both days at 12:01 a.m. standard time.

3. Insurance is effective with certain UNDERWRITERS AT LLOYD'S, LONDON.

4. Amount Rate Premium

5. Forms attached hereto and special conditions:

6. Service of Suit may be made upon:

7. In the event of a claim, please notify the following:

Dated by

Correspondent

One Lime Street London EC3M 7HA

.20.00% Lloyd's Syndicate- 141415.00% Lloyd's Syndicate- 4472

32.50% Lloyd's Syndicate- 2003 3.41% Lloyd's Syndicate- 4711

9.09% Lloyd's Syndicate- 457 3.6% Lloyd's Syndicate- 623

General liability & Non-Trucking Liability Percentage:90.00% Lloyd's Syndicate- 4472 10.00% Lloyd's Syndicate- 2003

See attached Forms List

See Dec Page General LiabilityCargoMotor Truck Cargo Physical Damage Non Trucking LiabilityHired & Non-Owned Auto

Total Total

Cargo, Motor Truck Cargo, Physical Damage & Hired and Non Owned Auto Percentage:

Coverage

.16.4% Lloyd's Syndicate- 2623

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LFS001 1116 Page of

POLICY NUMBER: LFS001 1116

SCHEDULE OF FORMS AND ENDORSEMENTS

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Cyber Attack Exclusion Clause

1.1 Subject only to clauses 1.2 and 1.3 below, in no case shall this insurance cover loss

damage liability or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer, computer system, computer software programme, malicious code, computer virus or process or any other electronic system.

1.2 Where this clause is endorsed on policies covering risks of war, civil war,

revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power, or terrorism or any person acting from a political motive, clause 1.1 shall not operate to exclude losses (which would otherwise be covered) arising from the use of any computer, computer system or computer software programme or any other electronic system in the launch and/or guidance system and/or firing mechanism of any weapon or missile.

1.3 It is understood and agreed that clause 1.1 shall not apply to an otherwise covered physical loss of the subject matter insured directly caused by theft, robbery, burglary, hold-up or other criminal taking if a computer, computer system, computer software programme, malicious code, computer virus or process or any other electronic system is used in the commission of the act(s) of theft, burglary, robbery, hold-up or other criminal taking.

JSC2015/005

6 November 2015

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SERVICE OF SUIT CLAUSE (U.S.A.)

This Service of Suit Clause will not be read to conflict with or override the obligations of the parties to arbitrate their disputes as provided for in any Arbitration provision within this Policy. This Clause is intended as an aid to compelling arbitration or enforcing such arbitration or arbitral award, not as an alternative to such Arbitration provision for resolving disputes arising out of this contract of insurance (or reinsurance).

It is agreed that in the event of the failure of the Underwriters hereon to pay any amount claimed to be due hereunder, the Underwriters hereon, at the request of the Insured (or Reinsured), will submit to the jurisdiction of a Court of competent jurisdiction within the United States. Nothing in this Clause constitutes or should be understood to constitute a waiver of Underwriters' rights to commence an action in any Court of competent jurisdiction in the United States, to remove an action to a United States District Court, or to seek a transfer of a case to another Court as permitted by the laws of the United States or of any State in the United States.

It is further agreed that service of process in such suit may be made upon {Missing} and that in any suit instituted against any one of them upon this contract, Underwriters will abide by the final decision of such Court or of any Appellate Court in the event of an appeal.

The above-named are authorized and directed to accept service of process on behalf of Underwriters in any such suit and/or upon the request of the Insured (or Reinsured) to give a written undertaking to the Insured (or Reinsured) that they will enter a general appearance upon Underwriters' behalf in the event such a suit shall be instituted.

Further, pursuant to any statute of any state, territory or district of the United States which makes provision therefor, Underwriters hereon hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Insured (or Reinsured) or any beneficiary hereunder arising out of this contract of insurance (or reinsurance), and hereby designate the above-named as the person to whom the said officer is authorized to mail such process or a true copy thereof.

14/09/2005 LMA5020 Form approved by Lloyd’s Market Association

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10/11/2003

INSTITUTE RADIOACTIVE CONTAMINATION, CHEMICAL, BIOLOGICAL, BIO-CHEMICAL AND ELECTROMAGNETIC WEAPONS EXCLUSION CLAUSE

This clause shall be paramount and shall override anything contained in this insurance

inconsistent therewith

1. In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from

1.1 ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel

1.2 the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof

1.3 any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter

1.4 the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion in this sub-clause does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes

1.5 any chemical, biological, bio-chemical, or electromagnetic weapon. ___________________________

CL 370

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10/11/03

INSTITUTE CYBER ATTACK EXCLUSION CLAUSE 1.1 Subject only to clause 1.2 below, in no case shall this insurance cover loss damage liability

or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer, computer system, computer software programme, malicious code, computer virus or process or any other electronic system.

1.2 Where this clause is endorsed on policies covering risks of war, civil war, revolution,

rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power, or terrorism or any person acting from a political motive, Clause 1.1 shall not operate to exclude losses (which would otherwise be covered) arising from the use of any computer, computer system or computer software programme or any other electronic system in the launch and/or guidance system and/or firing mechanism of any weapon or missile.

________________________________

CL 380

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U.S.A. & CANADA

LAND, WATER AND AIR EXCLUSION

Notwithstanding any provision to the contrary within the Policy of which this Endorsement forms part (or within any other Endorsement which forms part of this Policy), this Policy does not insure land (including but not limited to land on which the insured property is located), water or air, howsoever and wherever occurring, or any interest or right therein.

SEEPAGE AND/OR POLLUTION AND/OR CONTAMINATION EXCLUSION

Notwithstanding any provision to the contrary within the Policy of which this Endorsement forms part (or within any other Endorsement which forms part of this Policy), this Policy does not insure:

(a) any loss, damage, cost or expense, or

(b) any increase in insured loss, damage, cost or expense, or

(c) any loss, damage, cost, expense, fine or penalty, which is incurred, sustained or imposed by order, direction, instruction or request of, or by any agreement with, any court, government agency or any public, civil or military authority, or threat thereof, (and whether or not as a result of public or private litigation),

which arises from any kind of seepage or any kind of pollution and/or contamination, or threat thereof, whether or not caused by or resulting from a peril insured, or from steps or measures taken in connection with the avoidance, prevention, abatement, mitigation, remediation, clean-up or removal of such seepage or pollution and/or contamination or threat thereof.

The term "any kind of seepage or any kind of pollution and/or contamination" as used in this Endorsement includes (but is not limited to):

(a) seepage of, or pollution and/or contamination by, anything, including but not limited to, any material designated as a "hazardous substance" by the United States Environmental Protection Agency or as a "hazardous material" by the United States Department of Transportation, or defined as a "toxic substance" by the Canadian Environmental Protection Act for the purposes of Part II of that Act, or any substance designated or defined as toxic, dangerous, hazardous or deleterious to persons or the environment under any other Federal, State, Provincial, Municipal or other law, ordinance or regulation; and

(b) the presence, existence, or release of anything which endangers or threatens to endanger the health, safety or welfare of persons or the environment.

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DEBRIS REMOVAL ENDORSEMENT

THIS ENDORSEMENT CONTAINS PROVISIONS WHICH MAY LIMIT OR PREVENT RECOVERY UNDER THIS POLICY FOR LOSS WHERE COSTS OR EXPENSES FOR DEBRIS REMOVAL ARE INCURRED.

Nothing contained in this Endorsement shall override any Seepage and/or Pollution and/or Contamination Exclusion or any Radioactive Contamination Exclusion or any other Exclusion applicable to this Policy.

Any provision within this Policy (or within any other Endorsement which forms part of this Policy) which insures debris removal is cancelled and replaced by the following:

1. In the event of direct physical damage to or destruction of property, for which Underwriters hereon agree to pay, or which but for the application of a deductible or underlying amount they would agree to pay (hereinafter referred to as "Damage or Destruction"), this Policy also insures, within the Sum Insured, subject to the limitations and method of calculation below, and to all the other terms and conditions of the Policy, costs or expenses;

(a) which are reasonably and necessarily incurred by the Assured in the removal, from the premises of the Assured at which the Damage or Destruction occurred, of debris which results from the Damage or Destruction; and

(b) of which the Assured becomes aware and advises the amount thereof to Underwriters hereon within one year of the commencement of such Damage or Destruction.

2. In calculating the amount, if any, payable under this Policy for loss where costs or expenses for removal of debris are incurred by the Assured (subject to the limitations in paragraph 1 above):

(a) the maximum amount of such costs or expenses that can be included in the method of calculation set out in (b) below shall be the greater of US$25,000 (twenty-five thousand dollars) or 10% (ten percent) of the amount of the Damage or Destruction from which such costs or expenses result; and

(b) the amount of such costs or expenses as limited in (a) above shall be added to:

(i) the amount of the Damage or Destruction; and

(ii) all other amounts of loss, which arise as a result of the same occurrence, and for which Underwriters hereon also agree to pay, or which but for the application of a deductible or underlying amount they would agree to pay; and

the resulting sum shall be the amount to which any deductible or underlying amount to which this Policy is subject and the limit (or applicable sub-limit) of this Policy, shall be applied.

24/11/88 NMA2340

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WAR AND CIVIL WAR EXCLUSION CLAUSE

(Approved by Lloyd's Underwriters' Non-Marine Association)

Notwithstanding anything to the contrary contained herein this Policy does not cover Loss or Damage directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

1/1/38 NMA464

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IL 00 17 11 98

IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1

COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions.

A. Cancellation 1. The first Named Insured shown in the Declara-

tions may cancel this policy by mailing or deli-vering to us advance written notice of cancella-tion.

2. We may cancel this policy by mailing or deli-vering to the first Named Insured written notice of cancellation at least:

a. 10 days before the effective date of cancel-lation if we cancel for nonpayment of pre-mium; or

b. 30 days before the effective date of cancel-lation if we cancel for any other reason.

3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us.

4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date.

5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be ef-fective even if we have not made or offered a refund.

6. If notice is mailed, proof of mailing will be suffi-cient proof of notice.

B. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declara-tions is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy.

C. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years af-terward.

D. Inspections And Surveys 1. We have the right to: a. Make inspections and surveys at any time;

b. Give you reports on the conditions we find; and

c. Recommend changes. 2. We are not obligated to make any inspections,

surveys, reports or recommendations and any such actions we do undertake relate only to in-surability and the premiums to be charged. We do not make safety inspections. We do not un-dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions:

a. Are safe or healthful; or

b. Comply with laws, regulations, codes or standards.

3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advisory, rate service or similar organization which makes in-surance inspections, surveys, reports or rec-ommendations.

4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recom-mendations we may make relative to certifica-tion, under state or municipal statutes, ordin-ances or regulations, of boilers, pressure ves-sels or elevators.

E. Premiums The first Named Insured shown in the Declara-tions:

1. Is responsible for the payment of all premiums; and

2. Will be the payee for any return premiums we pay.

F. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named in-sured.

If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal represent-ative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property.

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LLOYD'S PRIVACY POLICY STATEMENT

UNDERWRITERS AT LLOYD'S, LONDON

The Certain Underwriters at Lloyd's, London want you to know how we protect the confidentiality of your non-public personal information. We want you to know how and why we use and disclose the information that we have about you. The following describes our policies and practices for securing the privacy of our current and former customers.

INFORMATION WE COLLECT

The non-public personal information that we collect about you includes, but is not limited to:

• Information contained in applications or other forms that you submit to us, such as name, address, and social security number

• Information about your transactions with our affiliates or other third-parties, such as balances and payment history

• Information we receive from a consumer-reporting agency, such as credit-worthiness or credit history

INFORMATION WE DISCLOSE

We disclose the information that we have when it is necessary to provide our products and services. We may also disclose information when the law requires or permits us to do so.

CONFIDENTIALITY AND SECURITY

Only our employees and others who need the information to service your account have access to your personal information. We have measures in place to secure our paper files and computer systems.

RIGHT TO ACCESS OR CORRECT YOUR PERSONAL INFORMATION

You have a right to request access to or correction of your personal information that is in our possession.

CONTACTING US

If you have any questions about this privacy notice or would like to learn more about how we protect your privacy, please contact the agent or broker who handled this insurance. We can provide a more detailed statement of our privacy practices upon request.

06/03 LSW1135B

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SEVERAL LIABILITY NOTICE

The subscribing insurers' obligations under contracts of insurance to which they subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. The subscribing insurers are not responsible for the subscription of any co-subscribing insurer who for any reason does not satisfy all or part of its obligations.

08/94 LSW1001 (Insurance)

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ELECTRONIC DATE RECOGNITION EXCLUSION (EDRE)

This Insurance does not cover any loss, damage, cost, claim or expense, whether preventative, remedial or otherwise, directly or indirectly arising out of or relating to:

(a) the calculation, comparison, differentiation, sequencing or processing of data involving the date change to the year 2000, or any other date change, including leap year calculations, by any computer system, hardware, programme or software and/or any microchip, integrated circuit or similar device in computer equipment or non-computer equipment, whether the property of the Insured or not; or

(b) any change, alteration, or modification involving the date change to the year 2000, or any other date change, including leap year calculations, to any such computer system, hardware, programme or software and/or any microchip, integrated circuit or similar device in computer equipment or non-computer equipment, whether the property of the Insured or not.

This clause applies regardless of any other cause or event that contributes concurrently or in any sequence to the loss, damage, cost, claim or expense.

17/12/97 NMA2802

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ELECTRONIC DATA ENDORSEMENT B

1. Electronic Data Exclusion

Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood and agreed as follows:-

a) This Policy does not insure loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA from any cause whatsoever (including but not limited to COMPUTER VIRUS) or loss of use, reduction in functionality, cost, expense of whatsoever nature resulting therefrom, regardless of any other cause or event contributing concurrently or in any other sequence to the loss.

ELECTRONIC DATA means facts, concepts and information converted to a form useable for communications, interpretation or processing by electronic and electromechanical data processing or electronically controlled equipment and includes programmes, software and other coded instructions for the processing and manipulation of data or the direction and manipulation of such equipment.

COMPUTER VIRUS means a set of corrupting, harmful or otherwise unauthorised instructions or code including a set of maliciously introduced unauthorised instructions or code, programmatic or otherwise, that propagate themselves through a computer system or network of whatsoever nature. COMPUTER VIRUS includes but is not limited to 'Trojan Horses', 'worms' and 'time or logic bombs'.

b) However, in the event that a peril listed below results from any of the matters described in paragraph a) above, this Policy, subject to all its terms, conditions and exclusions, will cover physical damage occurring during the Policy period to property insured by this Policy directly caused by such listed peril.

Listed Perils

Fire Explosion

2. Electronic Data Processing Media Valuation

Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood and agreed as follows:-

Should electronic data processing media insured by this Policy suffer physical loss or damage insured by this Policy, then the basis of valuation shall be the cost of the blank media plus the costs of copying the ELECTRONIC DATA from back-up or from originals of a previous generation. These costs will not include research and engineering nor any costs of recreating, gathering or assembling such ELECTRONIC DATA. If the media is not repaired, replaced or restored the basis of valuation shall be the cost of the blank media. However this Policy does not insure any amount pertaining to the value of such ELECTRONIC DATA to the Assured or any other party, even if such ELECTRONIC DATA cannot be recreated, gathered or assembled.

NMA 2915

25/01/2001

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MICROORGANISM EXCLUSION (ABSOLUTE)

This Policy does not insure any loss, damage, claim, cost, expense or other sum directly or indirectly arising out of or relating to:

mold, mildew, fungus, spores or other microorganism of any type, nature, or description, including but not limited to any substance whose presence poses an actual or potential threat to human health.

This Exclusion applies regardless whether there is (i) any physical loss or damage to insured property; (ii) any insured peril or cause, whether or not contributing concurrently or in any sequence; (iii) any loss of use, occupancy, or functionality; or (iv) any action required, including but not limited to repair, replacement, removal, cleanup, abatement, disposal, relocation, or steps taken to address medical or legal concerns.

This Exclusion replaces and supersedes any provision in the Policy that provides insurance, in whole or in part, for these matters.

14/09/2005

LMA5018

Form approved by Lloyd’s Market Association

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TERRORISM EXCLUSION ENDORSEMENT

Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.

For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism.

If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured.

In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect. NMA2920 08/10/2001

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LAND, WATER AND AIR EXCLUSION

Notwithstanding any provision to the contrary within the Policy of which this Endorsement forms part (or within any other Endorsement which forms part of this Policy), this Policy does not insure land (including but not limited to land on which the insured property is located), water or air, howsoever and wherever occurring, or any interest or right therein.

24/11/88 NMA2341

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CANCELLATION CLAUSE

(Approved by Lloyd's Underwriters' Non-Marine Association)

NOTWITHSTANDING anything contained in this Insurance to the contrary this Insurance may be cancelled by the Assured at any time by written notice or by surrender of this contract of insurance. This Insurance may also be cancelled by or on behalf of the Underwriters by delivering to the Assured or by mailing to the Assured, by registered, certified or other first class mail, at the Assured's address as shown in this Insurance, written notice stating when, not less than 30 days thereafter, the cancellation shall be effective. The mailing of such notice as aforesaid shall be sufficient proof of notice and this Insurance shall terminate at the date and hour specified in such notice. If this Insurance shall be cancelled by the Assured the Underwriters shall retain the customary short rate proportion of the premium hereon, except that if this Insurance is on an adjustable basis the Underwriters shall receive the earned premium hereon or the customary short rate proportion of any minimum premium stipulated herein whichever is the greater. If this Insurance shall be cancelled by or on behalf of the Underwriters the Underwriters shall retain the pro rata proportion of the premium hereon, except that if this Insurance is on an adjustable basis the Underwriters shall receive the earned premium hereon or the pro rata proportion of any minimum premium stipulated herein whichever is the greater. Payment or tender of any unearned premium by the Underwriters shall not be a condition precedent to the effectiveness of Cancellation but such payment shall be made as soon as practicable. If the period of limitation relating to the giving of notice is prohibited or made void by any law controlling the construction thereof, such period shall be deemed to be amended so as to be equal to the minimum period of limitation permitted by such law. 20/4/61 N.M.A. 1331

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FRAUDULENT CLAIM CLAUSE

If the (re)insured shall make any claim knowing the same to be false or fraudulent, as regards amount or

otherwise, this contract shall become void and all claim hereunder shall be forfeited.

LMA5062

04/06/2006

Form approved by Lloyd’s Market Association

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SANCTION LIMITATION AND EXCLUSION CLAUSE

No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or

provide any benefit hereunder to the extent that the provision of such cover, payment of such claim

or provision of such benefit would expose that (re)insurer to any sanction, prohibition or restriction

under United Nations resolutions or the trade or economic sanctions, laws or regulations of the

European Union, United Kingdom or United States of America.

11/08/10

JC2010/014

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LCM0037 1215 Page 1 of 3

COMMERCIAL INLAND MARINE CONDITIONS The following conditions apply in addition to the Common Policy Conditions and applicable Additional Conditions in Commercial Inland Marine Coverage Forms:

LOSS CONDITIONS

A. Abandonment

There can be no abandonment of any property to us.

B. Appraisal

If we and you disagree on the value of the property or the amount of loss, either may make written demand for an appraisal of the loss. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the value of the property and amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will:

1. Pay its chosen appraiser; and

2. Bear the other expenses of the appraisal and umpire equally.

If there is an appraisal, we will still retain our right to deny the claim.

C. Duties In The Event Of Loss

You must see that the following are done in the event of loss or damage to Covered Property:

1. Notify the police if a law may have been bro- ken.

2. Give us prompt notice of the loss or damage. Include a description of the property involved.

3. As soon as possible, give us a description of how, when and where the loss or damage occurred.

4. Take all reasonable steps to protect the Cov- ered Property from further damage, and keep a record of your expenses necessary to protect the Covered Property, for consideration in the settlement of the claim. This will not increase the Limit of Insurance. However, we will not pay for any subsequent loss or damage resulting from a cause of loss that is not a Covered Cause of Loss. Also, if feasible, set the damaged property aside and in the best possible order for examination.

5. You will not, except at your own cost, voluntarily make a payment, assume any obligation, or in- cur any expense without our consent.

6. As often as may be reasonably required, permit us to inspect the property proving the loss or damage and examine your books and records.

Also permit us to take samples of damaged and undamaged property for inspection, testing and analysis, and permit us to make copies from your books and records.

7. We may examine any insured under oath, while not in the presence of any other insured and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including an insured's books and records. In the event of an examination, an insured's answers must be signed.

8. Send us a signed, sworn proof of loss containing the information we request to settle the claim. You must do this within 60 days after our request. We will supply you with the necessary forms.

9. Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or suit.

10. Cooperate with us in the investigation or settlement of the claim.

D. Insurance Under Two Or More Coverages

If two or more of this policy's coverages apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage.

E. Loss Payment

1. We will give notice of our intentions within 30 days after we receive the sworn proof of loss.

2. We will not pay you more than your financial interest in the Covered Property.

3. We may adjust losses with the owners of lost or damaged property if other than you. If we pay the owners, such payments will satisfy your claim against us for the owners' property. We will not pay the owners more than their financial interest in the Covered Property.

4. We may elect to defend you against suits arising from claims of owners of property. We will do this at our expense.

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Page 2 of 3 LCM0037 1215

5. We will pay for covered loss or damage within 30 days after we receive the sworn proof of loss if you have complied with all the terms of this Coverage Part and:

a. We have reached agreement with you on the amount of the loss; or

b. An appraisal award has been made.

6. We will not be liable for any part of a loss that has been paid or made good by others.

F. Pair, Sets Or Parts

1. Pair Or Set

In case of loss or damage to any part of a pair or set we may:

a. Repair or replace any part to restore the pair or set to its value before the loss or damage; or

b. Pay the difference between the value of the pair or set before and after the loss or damage.

2. Parts

In case of loss or damage to any part of Cov- ered Property consisting of several parts when complete, we will only pay for the value of the lost or damaged part.

G. Recovered Property

If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, the property will be returned to you. You must then return to us the amount we paid to you for the property. We will pay recovery expenses and the expenses to repair the recovered property, subject to the Limit of Insurance.

H. Reinstatement Of Limit After Loss

The Limit of Insurance will not be reduced by the payment of any claim, except for total loss or damage of a scheduled item, in which event we will refund the unearned premium on that item.

I. Transfer Of Rights Of Recovery Against Others To Us

If any person or organization to or for whom we make payment under this Coverage Part has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. But you may waive your rights against another party in writing:

1. Prior to a loss to your Covered Property.

2. After a loss to your Covered Property only if, at time of loss, that party is one of the following:

a. Someone insured by this insurance; or

b. A business firm:

(1) Owned or controlled by you; or

(2) That owns or controls you.

This will not restrict your insurance.

GENERAL CONDITIONS

A. Concealment, Misrepresentation Or Fraud

This Coverage Part is void in any case of fraud, intentional concealment or misrepresentation of a material fact, by you or any other insured, at any time, concerning:

1. This Coverage Part;

2. The Covered Property;

3. Your interest in the Covered Property; or

4. A claim under this Coverage Part.

B. Control Of Property

Any act or neglect of any person other than you beyond your direction or control will not affect this insurance.

The breach of any condition of this Coverage Part at any one or more locations will not affect coverage at any location where, at the time of loss or damage, the breach of condition does not exist.

C. Legal Action Against Us

No one may bring a legal action against us under this Coverage Part unless:

1. There has been full compliance with all the terms of this Coverage Part; and

2. The action is brought within 2 years after you first have knowledge of the direct loss or damage.

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LCM0037 1215 Page 3 of 3

D. No Benefit To Bailee

No person or organization, other than you, having custody of Covered Property will benefit from this insurance.

E. Policy Period

We cover loss or damage commencing:

1. During the policy period shown in the Declara- tions; and

2. Within the coverage territory.

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LCM0034 0317 Page 1 of 4

CUSTOMIZED CARGO AND LOGISTICS COVERAGE FORM

1. This policy covers the liability of the Insured as a Carrier for Hire, Warehouseman, Freight Forwarder,

Freight Broker, Logistics Service provider or other Bailee either by law or assumed by contract, whether written or otherwise for “loss” (including “document reconstruction,” “loss of interest” and “face value”) to lawful goods and merchandise, including “non-negotiable instruments” the property of others, while in the care, custody, or control of the Insured (the Insured’s agents or connecting carriers) while in “due course of transit” or while in storage, if a location limit is shown on the Schedule of Limits anywhere within the United States and Canada.

a) If said property is transported (or stored) under a contract/agreement (written), which has been signed off on by both Insured and shipper (unless modified or negated subsequently in writing or otherwise by the Insured), this policy will cover the Insured’s liability as set forth in said contract/agreement, not to exceed the “Schedule of Limits” and subject to all other terms, conditions, exclusions and deductibles as hereinafter stated.

2. This policy does not cover “loss” to the following property:

a) securities, currency, cash, bullion, precious stones, jewelry or other similar valuables, paintings, statuary or other works of art; except as specified in Courier Cargo Schedule of Limits, Sub limit E.

b) Property carried gratuitously / stored or as an accommodation

3. Additional Coverages

a) Debris Removal

(1) We will pay your expenses to remove debris of Covered Property caused by or resulting from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date of “loss.”

(2) The most we will pay under this Additional Coverage is 25% of the amount we pay for the direct “loss” to Covered Property plus the deductible in this Coverage Part applicable to that “loss”. But, if the debris removal expense exceeds the amount calculated above, or if the sum of our payments for direct “loss” and debris removal exceeds the applicable Limit of Insurance shown elsewhere in this Coverage Part, we will pay up to $25,000 in any one occurrence as an additional amount of insurance.

(3) We will not pay your expense to extract “pollutants” from land or water, or to remove, restore, or replace polluted land or water under this Additional Coverage.

b) Lost Income

(1) We will pay for income lost (unable to collect) due to direct physical loss or damage to covered property caused by or resulting from a peril not otherwise excluded

(2) The most we will pay in any one occurrence and in the annual aggregate is $25,000.

c) Moving Equipment

We will pay for “loss to van pads, hand trucks, dollies, pallets, containers and other similar equipment including spare parts to handle or ship Covered Property that you:

(1) Own or use; and

(2) Carry in or on any automobile, van, truck, or trailer that you use.

This Additional Coverage does not apply to motorized equipment. The most we will pay under this Additional Coverage is $25,000 in any one occurrence. No deductible applies to this Additional Coverage.

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LCM0034 0317 Page 2 of 4

d) Preservation of Property

(1) We will pay for direct physical “loss” to Covered Property if it is necessary to move that property to avoid imminent “loss” by a Covered Cause of Loss.

(2) This Additional Coverage applies while Covered Property is being moved to and from a premises, and while it is temporarily stored at a premises, if the “loss” occurs within 30 days after the property is first moved.

(3) The most we will pay for this Additional Coverage is $25,000 in any one occurrence.

4. This policy does not cover “loss” caused by or resulting from:

a) any fraudulent, dishonest or criminal act(s) committed alone or in collusion with others by:

(1.) You, your partners, directors, officers or members. This exclusion does not apply to your employees or independent contractors (including connecting carriers for hire)

b) “Indirect loss” caused by delay, loss of use or loss of market; except as provided in the schedule of limits.

c) “re-calibration” of “electronics”, unless there are signs of visible damage;

d) forged warehouse receipts

e) inherent vice, latent defect, wear and tear, gradual deterioration and changes in atmosphere whether wet or dry

f) rodents, bacteria, molds, insects, weevils or other infestation or fumigation

g) the interruption of heat, light, power, gas or fuel supplied to the premises

h) unexplained or mysterious disappearance of items kept in warehouse/location storage, including inventory shortage unless depositor establishes any such loss occurred because of the Insured’s failure to exercise the care a reasonably careful person would exercise in the handling of depositors goods.

i) “loss”, liability or expense of any kind or nature whatsoever, imposed on the Insured, directly or indirectly, in consequence of, or with respect to, the actual or potential discharge, emission, spillage or leakage upon or into the seas, waters, land or air, leakage upon or into the seas, waters, land or air, of oil, petroleum products, chemicals, or any solid, liquid, gaseous or thermal irritant or contaminant, including waste. Waste includes material to be recycled, reconditioned or reclaimed.

5. The liability of the company hereunder is described in the schedule of limits attached to and forming part of this policy.

6. In consideration of the reduced premium for which this policy is written, it is agreed that each occurrence for “loss” (separately occurring) shall be adjusted separately and from each such adjusted occurrence the sum of (See Deductible Schedule of this form) shall be deducted. More than one deductible may apply to a single occurrence.

7. The company shall not be liable for loss or damage to property while in “due course of transit or storage”, for more than the invoice amount including all freight charged due and payable thereon. In the absence of an invoice, the Company shall not be liable for more than the cash market value at the time and place of such loss or damage. In no event shall the Company’s liability exceed what it would then cost to repair or replace (including the reconstruction costs of documents) such lost or damaged property with other property of like kind and quality. However, at your discretion, covered property which was sold by a seller prior to any loss, may be valued at the destination market value less any charges or expenses not incurred. Nothing in this paragraph shall be construed to increase the Company’s Limits as specified in the schedule of limits.

8. Defense Costs – It is agreed the Company shall:

a) defend any suit against the Insured alleging damage or destruction to lawful goods and merchandise covered hereunder and seeking damages on account thereof, even if such suit is groundless, false or fraudulent; and the Company may make such investigation, negotiation and settlement of any claim or suit as the Company deems expedient;

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LCM0034 0317 Page 3 of 4

b) pay all premiums on bonds to release attachments for an amount in excess of the amount of this policy, and to pay all premiums on the appeal bonds required in any such defended suit, but without any obligation to apply for or furnish any such bonds;

c) pay all expenses incurred by the Company, all costs taxed against the Insured in any such suit and its proportionate share of any interest accruing after entry of such judgment until the Company has paid, tendered or deposited in court such judgment as does not exceed the limit of the Company’s liability thereon; and

d) reimburse the Insured for all reasonable expenses, other than loss of earnings, incurred at the Company’s request.

The Company agrees to pay defense costs described under this section in addition to the limit of this policy. It further agrees the deductible provisions of this policy shall not apply to defense costs.

9. This policy shall be void if assigned or transferred without the written consent of the Company.

10. Reimbursement of the Company - In consideration of the issuance of this policy, the Insured by his acceptance agrees as follows:

a) Notwithstanding any endorsement(s) that may be attached to this policy in order to comply with the requirements of federal laws or laws of any state in which the Insured may operate, or of any regulations issued under authority thereof, it is agreed that as between the Insured and the Company no liability for loss or damage is covered by this policy beyond that specified in the policy from to which it is (they are) attached, and other endorsements thereto, are to remain in full forces and effect as binding between the Insured and the Company.

b) The Insured agrees to reimburse the Company for any payments made by the Company that the Company would not have been obligated to make under the provisions of this policy except for the conditions of the endorsements(s) that may be attached to this policy in order to comply with the aforementioned laws and any regulations issued under the authority thereof.

11. Other Insurance –If there is another valid and collectible policy covering the same loss, other than this policy , we will pay only for the amount of covered loss in excess of the amount due from that other policy , subject to this policy’s limit and deductible.

12. Definition of:

a) “Document Reconstruction” – The cost to reproduce or reconstruct, lost or damaged property, insured herein from microfilm, microfiche or other records.

b) “Non-Negotiable Instruments” – Items of no intrinsic value including, but not limited to, canceled and for deposit only, stamped checks, cash, letters, data processing media, letter(s) of transmittal, non-negotiable stocks, bonds, drafts, notes, vouchers, accounts, bill deeds, letters of credit, passports, tickets, documents, manuscript notes, and mechanical drawings.

c) “Face Value” – The monetary value for items (defined under “b” above) that cannot be reconstructed (defined under “a” above).

d) “Negotiable Instruments”– All those financial documents not included in the definition of Non-Negotiable Instruments (b) above, included but not limited to cash, securities, stocks, gold, or food stamps.

e) “Loss of Interest” – Any loss of interest actually sustained by a shipper or consignee(s) arising out of the necessary use of funds to maintain cash balances during the period of reconstruction after a covered loss, based on the Federal Reserve discount rates.

f) “Occurrence” – Any one loss or event, which could involve one or more items and one or more shipper(s) or consignee(s).

g) “Due Course of Transit” – means the period of time:

(1) After Covered Property leaves its original location; and (2) Until Covered Property arrives at the final destination and such property is transferred to the

exclusive custody and control of the consignee.

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LCM0034 0317 Page 4 of 4

(3) In the event of non-delivery, transit ends when Covered Property is returned to the consignor or customer.

h. “Electronics” – Electronic items such as computers, copiers, medical diagnostic machinery, numerically controlled diagnostic equipment containing microprocessors and similar types of goods.

i. “Re-calibration” – To re-adjust precisely for the originally intended function.

j. “Theft from Unlocked Vehicle” – Property unlawfully removed from courier vehicles with no visible signs of forcible entry. This does not contemplate the courier being held-up under threat of violence, while in, approaching or exiting the vehicle.

k.“Loss” – direct and accidental loss or damage.

l.“Pollutants” - means any solid, liquid, gaseous, or thermal irritant or contamination including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes material to be recycled, reconditioned, or reclaimed.

m.“Courier” means

(1) Messenger service; or (2) Package delivery service operating as a “carrier” or as an express “carrier”, including its

employee, owner-operator, contract driver, or agent. n. “Indirect Loss”-Adverse Financial impact to the shipper due to the cargo reaching its destination late or not reaching it all where there is no physical loss or damage to the cargo.

13. Salvage/Recovery – In the event of any recovery and/or salvage on a loss that has been paid, such recovery and/or salvage shall accrue entirely to the benefit of the Company until the sum paid by the Company has been made up.

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Page 1 of 2

LCM0036 0118

CUSTOMIZED CARGO AND LOGISTICS

SCHEDULE OF LIMITS

The liability of the Company for any one occurrence, partial, total or salvageable charges, expense (except defense) all

combined shall in no event exceed $ ______________________ .

Sub/Category - While in "Due Course" of Transit Limits (all per each occurrence)

A. Financial Institution (and/or customers thereof)

Name of Financial Institution Reconstruction Incl. Face Value Incl. Loss Recon/FV Incl. Combined Loss of Interest of Interest Loss of Interest

1. $ $ $

2. $ $ $

3. $ $ $

4. $ $ $

5. $ $ $

6. $ $ $

7. $ $ $

8. $ $ $

9. $ $ $

10. $ $ $

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Page 2 of 2 LCM0036 0118

B. Specified Customer(s) – No Financial Institution

Customer Limit

1. $

2. $

3. $

4. $

5. $

6. $

7. $

8. $

9. $

10. $

C. All Others (No specific property and/or customer) $ _______________

1. Document reconstruction (not including bank proof work - cancelled checks being transported from bankbranches/financial institutions, to/from processing centers or the federal reserve, but not checks stampedfor deposit being transported from local business to a bank/financial institution) $ _______________

CI. “Indirect Loss” of Market, Delay, Loss of Use (Reference paragraph.4.b.) $ 5,000.00

CII. $ 2,500.00

CIII. In or at any location (within the policy territory) $ _______________

G. Warehouse/Location Schedule

Premises Address Limit

$

$

$

$

$

$

$

$

1.

2.

3.

4.

5.

6.

7.

8.

9. $

10. $

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Page 1 of 2

LCM00350118

CUSTOMIZED CARGO AND LOGISTICS DEDUCTIBLE SCHEDULE

All deductibles set forth below will apply separately to each occurrence, each category of property (as outlined In the Schedule of Limits, this allows for multiple deductibles on any one occurrence.)

A. FINANCIAL INSTITUTIONS (AND/OR CUSTOMERS THEREOF)

Combined - Reconstruction & Face Value (Including Loss of Interest)

Customer Theft -Unlocked Vehicle Other

1. $ $

2. $ $

3. $ $

4. $ $

5. $ $

6. $ $

7. $ $

8. $ $

9. $ $

10. $ $

Reconstruction (including loss of interest)


1. $ $

2. $ $

3. $ $

4. $ $

5. $ $

6. $ $

7. $ $

8. $ $

9. $ $

10. $ $

Face Value (including loss of interest)


1. $ $

2. $ $

3. $ $

4. $ $

5. $ $

6. $ $

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Page 2 of 2

LCM00350118

7. $ $

8. $ $

9. $ $

10. $ $

SPECIFIED PROPERTY


1. $ $

2. $ $

3. $ $

4. $ $

5. $ $

6. $ $

7. $ $

8. $ $

9. $ $

10. $ $

SPECIFIED CUSTOMERS


1. $ $

2. $ $

3. $ $

4. $ $

5. $ $

6. $ $

7. $ $

8. $ $

9. $ $

10. $ $

D. All other when in due course of transit - General Cargo

1. $ Applies to all other

2. $ Applies to Pharmaceuticals

3. $ Applies to Electronics

E. Warehouse DeductibleLoc#1. $

Loc#2. $

Loc#3. $

Loc#4. $

Loc#5. $

Loc#6. $

Loc#7. $

Loc#8. $

Loc#9. $

Loc#10. $

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COURIER CARGOEXCLUSION - IDENTITY THEFT

This endorsement modifies insurance under the following:

Commercial Crime Coverage PartInland Marine Coverage Part

This insurance does not apply to loss or damage from "identity theft".

"Identity Theft" is defined as unauthorized use of any person’s name or personal information (Social Security number, driver’s license or account numbers) to assume that person’s identity.

IM0031 (08/05) Page 1 of 1

COURIER CARGOEXCLUSION - IDENTITY THEFT

This endorsement modifies insurance under the following:

Commercial Crime Coverage PartInland Marine Coverage Part

This insurance does not apply to loss or damage from "identity theft".

"Identity Theft" is defined as unauthorized use of any person’s name or personal information (Social Security number, driver’s license or account numbers) to assume that person’s identity.

IM0031 (08/05) Page 1 of 1LCM00391013

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

POLLUTANT CLEAN UP SUB LIMIT

S2131 (09/06) Page 1 of 1

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

POLLUTANT CLEAN UP SUB LIMIT

S2131 (09/06) Page 1 of 1

This endorsement applies to insurance provided under the following:

COURIER CARGO FORM

Additional Coverage

a) Pollutant Clean Up and Removal

We will pay expenses for which you are legally liable to extract "pollutants" from land or water where a covered "loss" occurs, if the discharge, dispersal, seepage, migration, release or escape of the "pollutants" from Covered Property is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date on which the Covered Cause of Loss occurs.

This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water.

The most we will pay under this Additional Coverage 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.

b) Preservation of Property

If it is necessary to move Covered Property to preserve it from "loss" by a Covered Cause of Loss, we will pay for any directly physical "loss" to the Covered Property:

(1) While it is being moved or while temporarily stored at another location; and(2) Only if the "loss" occurs within 30 days after the Covered Property is first moved.

c) Debris Removal Coverage

We will pay your expenses to remove debris of Covered Property caused by or resulting from a Covered Cause of Loss that occurs during the policy period.

"Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

This endorsement applies to insurance provided under the following:

COURIER CARGO FORM

Additional Coverage

a) Pollutant Clean Up and Removal

We will pay expenses for which you are legally liable to extract "pollutants" from land or water where a covered "loss" occurs, if the discharge, dispersal, seepage, migration, release or escape of the "pollutants" from Covered Property is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date on which the Covered Cause of Loss occurs.

This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water.

The most we will pay under this Additional Coverage 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.

b) Preservation of Property

If it is necessary to move Covered Property to preserve it from "loss" by a Covered Cause of Loss, we will pay for any directly physical "loss" to the Covered Property:

(1) While it is being moved or while temporarily stored at another location; and(2) Only if the "loss" occurs within 30 days after the Covered Property is first moved.

c) Debris Removal Coverage

We will pay your expenses to remove debris of Covered Property caused by or resulting from a Covered Cause of Loss that occurs during the policy period.

"Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

LCM00381013

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U.S. Terrorism Risk Insurance Act of 2002 as amended

Not Purchased Clause

This Clause is issued in accordance with the terms and conditions of the "U.S. Terrorism Risk Insurance

Act of 2002" as amended as summarized in the disclosure notice.

It is hereby noted that the Underwriters have made available coverage for "insured losses" directly

resulting from an "act of terrorism" as defined in the "U.S. Terrorism Risk Insurance Act of 2002", as

amended ("TRIA") and the Insured has declined or not confirmed to purchase this coverage.

This Insurance therefore affords no coverage for losses directly resulting from any "act of terrorism"

as defined in TRIA except to the extent, if any, otherwise provided by this policy.

All other terms, conditions, insured coverage and exclusions of this Insurance including applicable

limits and deductibles remain unchanged and apply in full force and effect to the coverage provided

by this Insurance.

LMA5219

12 January 2015

NMA 2868 08 00 SLC-3 Common Dec Page€¦ · Cargo Motor Truck Cargo Physical Damage Non Trucking...

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Transcript of NMA 2868 08 00 SLC-3 Common Dec Page€¦ · Cargo Motor Truck Cargo Physical Damage Non Trucking...