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Municipal Entities Coverage A - CGL
Including Law Enforcement Non-Employee Sexual Molestation and Harassment
Coverage Highlights
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Insuring Agreement
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| Pay on behalf or Indemnity (Optional) |
| All loss and claims expenses to which this insurance applies in excess of the self-insured retention as shown on the Declarations. |
| For which the insured is legally obligated to pay as damages by reason of tort liability or the tort liability of others assumed or retained under a contract as a result of an occurrence of offense. |
| Occurs during the policy period |
| Non-employee harassment--coverage trigger--initial harassment |
| Sexual molestation -- coverage trigger -- first touch |
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Entities/Operations Insured
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COVERED ORGANIZATIONS
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| You, the Named Insured as shown on the Declarations |
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COVERED PERSONS INCLUDES THE FOLLOWING WHILE ACTING WITHIN THE SCOPE OF THEIR DUTIES, OFFICE OR EMPLOYMENT FOR THE NAMED INSURED
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| Persons who were, are now, shall be your lawfully elected , appointed, employed officials |
| Current or former commissions, boards or other entities, including their former or current members, under your exclusive operation and jurisdiction. |
| Current or Former Employees |
| Authorized Individual Volunteers if services performed are under your direct supervision and control. |
| Mutual aid or similar agreement: persons, entities or organizations providing services but only with respect to the conduct of your business and only to the extent of your participation or interest |
| Estate of those listed above. |
| No coverage for any person, entity or organization with respect to the conduct of any current or past partnership or joint venture that is now shown as a Named Insured in the Declarations. |
| Newly acquired entity or organization you form and over which you have exclusive jurisdiction and the following provisions apply: |
Coverage afforded until the 90th day or end of policy period, whichever is earlier;
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Coverage does not apply to any wrongful acts which takes place before you acquired or formed the entity or organization;
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Coverage does not apply to any employment practices liability committed before you acquired or formed the new entity or organization
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| POLICY LIMIT |
| Per Occurrence |
| Limit of Insurance shown in the Declarations is the most we will pay the Insured under the Coverage Part regardless of the number of: |
Insureds
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Claims made or suits brought
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Persons, organizations or government agencies making claims or bringing suits
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| Limit of Insurance will not be reduced by the self-insured retention |
| Annual Aggregate for all covered acts |
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DEFENSE COST COVERAGE
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| Within Policy Limits |
| In addition to Policy Limits (Optional) |
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SELF INSURED RETENTION
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| Minimum Amount $50,000 |
| Allocated Expenses inside retained limit |
| Allocated Expenses Outside Retained Limit (Optional) |
| Annual Aggregate Applicable (Optional) |
| Self-insured retention applies to each and every occurrence or offense against damages and claim expenses for which coverage is afforded by this Coverage Part. |
| Self-insured retention shall not apply to damages or claims expenses related to an occurrence or offense which takes place prior to or subsequent to the policy period. |
| Self-insured retention shall not include any amount for damages or claim expenses related to any claims or part of a claim brought against the Insured for coverages which are not included in the terms of this Coverage Part. |
| Limits of Insurance of this Coverage Part apply in excess of the self-insured retention. |
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OTHER PROVISIONS
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| Covered Territory |
Anywhere in the World provided claim or suit is brought in USA, including its territories or possessions or Canada.
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| Settlement Provision |
Unilateral "insurer" discretion (Optional)
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Hammer clause (Optional)
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| Purchase Separate Coverage for: |
Stop Gap Coverage
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Employee Benefits Coverage (claims-made only) (Optional)
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Automobile Liability (Optional)
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| Anti-Stacking Clause |
| Separation of Insureds |
| Non-Waiver of Governmental Immunity |
