Laserfiche WebLink
NOTICE <br />This is a quotation only. No coverage is in effect until an application is approved and policy binder is received. This <br />policy is issued by your insurance company. Nothing is bound until Dnal underwriting approval. Your insurance <br />company may not be subject to all of the insurance laws and regulations of your state. State insurance insolvency <br />guaranty funds may not available. Therefore please consult with your insurance agent for further information. <br />Please note that your policy is subject to audit. Audits are routinely performed and speciDcally provided for in the <br />policy. The initial premium is regarded as a deposit premium only since the underwriters are relying on the accuracy of <br />the information provided by the insured. This includes the estimated gross receipts. Thus, the audit is necessary to <br />verify the Dnancial information provided since the premium is based upon these representations. Sutton Specialty <br />Insurance Company policies are audited by Zoom Professional Services. Zoom is the authorized representative in <br />regard to your policy audit. We appreciate your anticipated cooperation. <br />Initial <br />POLICY EXCLUSIONS <br />Section I – Coverages, Coverage A – Bodily Injury and Property Damage Liability: Expected or Intended Injury; <br />Action Over; Worker’s Compensation and Similar Laws; Aircraft, Auto or Watercraft; Mobile Equipment; Drywall <br />Manufactured in China; Exterior Insulation and Finish Systems (“EIFS”); Assault and Battery; Professional Services; <br />Damage to Property; Damage to Your Product; Damage to Your Work; Damage to Impaired Property or Property Not <br />Physically Injured; Recall of Products; Work or Impaired Property; Personal and Advertising Injury; Subsidence, <br />Movement, or Vibration of Land; School or Recreational Facility; Deleterious Substances; Open Structure “Water” <br />Damage; Heating Devices; Explosives; Communicable Disease; Abuse or Molestation; Prior Work and Prior Products; <br />Wrap Up. Common Policy Exclusions: Past Work or Construction Projects; Buildings and Structures Exceeding Three <br />Stories; Water or Fire Damage Liability; Hospital, Medical or Care Facilities; Physical or Mental Disability or Impairment; <br />Material Misrepresentation; Overspray; House/Structure Raising; Fall from Heights; Animals; Independent <br />Contractors/Subcontractors Sublimit; Airports; House of Worship; Underground Utility Location; Fire Suppression <br />Systems; Collapse; Injury or Damage to Day Laborers; Undisclosed WaterprooDng Operations; Abandoned Work; <br />Urethane or Spray RooDng; Museums and Historic Buildings and Structures; Tract Home Project. Coverage B – <br />Personal and Advertising Injury: Knowing Violation of Rights of Another; Material Published with Knowledge of <br />Falsity; Material Published Prior to Policy Period; Insureds in Media and Internet Type Business; Electronic Chat Rooms, <br />Bulletin Boards, or Social Media; Unauthorized Use of Another’s Name or Product; “Bodily Injury” and “Property <br />Damage” ; Quality or Performance of Goods – Failure to Conform to Statements; Wrong Description of Prices; <br />Infringement of Copyright, Patent, Trademark or Trade Secret; Expected or Intended Injury or Damage; Common Policy <br />Exclusions. Coverage C – Medical Payments: Any Insured; Hired Person; Injury on Normally Occupied Premises; <br />Workers Compensation and Similar Laws; Athletic Activities; Products-Completed Operations Hazard, Coverage A <br />and B Exclusions. Section II. Common Policy Exclusions: Breach of Contract/Contractual Liability; Employer’s Liability; <br />Pollution; Residential Project/Structure Size Restriction Exclusion; Commercial or Mixed Use Building/Project Size <br />Restriction Exclusion; Multi-Unit Structures; War or Terrorism; Employment Practices; Cross Suits; Fraudulent, <br />Intentional, or Criminal Acts; Unlicensed Contractors; Non-Compliance with Safety Regulations; Prior Litigation; Prior <br />Knowledge; Ongoing Operations; Unsolicited Communications; Punitive Damages, Fines or Penalties; Attorney, Expert, <br />and Vendor Fees and Costs of Others; ClassiDcation Limitation Exclusion; Social and Entertainment Activities and <br />Events; Force Majeure or Acts of God; Liquor Liability; State SpeciDc Operations; Electronic Data; Mental Injury; RooDng <br />Operations; Louisiana Operations; Slip and Fall, Underground Horizontal Drilling, Cyber.In <br />s <br />u <br />r <br />a <br />n <br />c <br />e <br /> <br />A <br />p <br />p <br />l <br />i <br />c <br />a <br />t <br />i <br />o <br />n <br /> <br />Applicant <br />Please refer to the policy for a complete list of exclusions. This list is subject to change and may differ from <br />prior policy years. <br />* I have read and understand the policy exclusions identi:ed above. Initial <br />Page 5 of 6 <br />3632609 <br /> <br />0028468257P5 <br />Document Ref: WWZGI-C9ON9-3YW3U-DDXRG Page 5 of 28 <br />Docusign Envelope ID: C32ED128-E8C0-4517-B42B-471D21968944