{"id":"court_ctb_1787_14","court":"CTB","case_no":"22-50073","doc_number":1787,"sub_number":14,"doc_type":"UNKNOWN","filed_date":"2023-05-12","title":"INSURED COPY 0017034504 0051997 03/06/2023 0001167 **06SP2.460 \\*'SNGLP T 607210166 -C03-P01168-I","summary_zh":null,"summary_en":null,"body_en":"**INSURED COPY 0017034504 0051997 03/06/2023**\n\n0001167 **06SP2.460 \\*'SNGLP T 607210166 -C03-P01168-I**\n\n#### • **1 11 • 111 I 1 • 11** Ill I **1 • 11 • 111111 11 111** • • **11 1 • 1 11 • 1111 1111 1 • 1 • 111 1111** I I **1**\n\nGenever Holdings LLC Luc A Despins Ch 11 Trustee of Paul Hastings LLP 200 Park Ave New York NY 10166\n\n\n\n\n\nAIG Property Casualty Company {Name of issuing company)\n\n## **POLICY NOTICE (SEE YOUR REVISED DECLARATIONS PAGE)**\n\nYour Declarations Page shows at a glance the coverage you have and your premium. Your Declarations Page is part of your policy. Please read your policy carefully, including your Declarations Page and any attached Endorsements, for a description of your coverage.\n\n**Policy Number:** PCG 0017034504\n\n**Name of Insured and Mailing Address** : Genever Holdings LLC Luc A Despins Ch 11 Trustee of Paul Hastings LLP 200 Park Ave New York, NY 10166 USA\n\n**Policy Period:** 03/06/2023 - 03/06/2024 At 12:01 A.M. standard time at your mailing address shown above.\n\n**Agency Name, Address, Phone** # & **Code:**\n\nWolfson Insurance Brokerage, Inc. 358 Fifth Avenue, 8th Floor New York, NY 10001\n\n(212) 683-2622 - 0051997\n\n### **\"YOU WILL BE BILLED SEPARATELY FOR ANY PREMIUM DUE.\"**\n\n### **YOUR POLICY HAS BEEN CHANGED**\n\nEffective Date: 03/16/2023\n\nSummary of change: Amend Mailing Address\n\nChange to Annual Premium:\n\nRevised Annual Premium: \\$1,000.00\n\nPremium charge for endorsement: \\$0.00 From: 03/16/2023 To: 03/06/2024\n\nPEL - CHGN (07/01)\n\n~\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 5 of\n\n\n\nAIG Private Client Group\n\n#### AIG Property Casualty Company (Name of issuing company)\n\nEndorsement Effective:03/16/2023\n\n### **DECLARATIONS PAGE**\n\nYour Declarations Page shows at a glance the coverage you have and your premium. Your Declarations Page is part of your policy. Please read your policy carefully, including your Declarations Page and any attached Endorsements, for a description of your coverage.\n\n#### **Name of Insured and Mailing Address**\n\nGenever Holdings LLC Luc A Despins Ch 11 Trustee of Paul Hastings LLP 200 Park Ave New York, NY 10166 USA\n\n**Policy Number Policy Period 03/06/2023** - **03/06/2024**\n\nPCG 001 7034504 At 12:01 A.M. standard time at your mailing address shown below\n\n#### Agency Name, Address, Phone # & Code\n\nWolfson Insurance Brokerage, Inc. 358 Fifth Avenue, 8th Floor New York, NY 10001\n\n(212) 683-2622 - 0051997\n\n#### **YOU WILL BE BILLED FOR ANY PREMIUM DUE.**\n\n#### **A. PERSONAL EXCESS LIABILITY COVERAGE LIMIT**\n\n**Excess Uninsured/Underinsured Motorist Limit**\n\n\\$10,000,000\n\n\\$ NotApplicable\n\n### **B. LIMITED EMPLOYMENT PRACTICES LIABILITY LIMIT**\n\n**Annual Aggregate Per Wrongful Employment Act Deductible**\n\n- \\$ NotApplicable\n- \\$ Not Applicable\n- \\$ NotApplicable\n\n#### **Required Underlying Insurance Minimum Required Underlying Limits** 1 . Personal Liability, Homeowners or Comprehensive Personal Liability Bodily Injury/Property Damage Combined Single Limit \\$300,000 each occurrence 2. Private Passenger Auto and Licensed Recreational Vehicles Uninsured/Underinsured Motorist Protection Bodily Injury and Property Damage or Combined Single Limit: Bodily Injury and Property Damage or Combined Single Limit: \\$250,000 Bodily injury each person \\$500,000 Bodily injury each accident \\$ 25,000 Property damage each accident \\$300,000 each accident \\$250,000 Bodily injury each person \\$500,000 Bodily injury each accident \\$ 25,000 Property damage each accident \\$300,000 each accident\n\n~\n\n6072-03-00-0001 167-G003-0033309 6072-03-00-0001167-0003-0033309\n\n\n\nAIG Property Casualty Company {Name of issuing company)\n\nEndorsement Effective:03/16/23\n\nAIG Private Client Group\n\n## **PERSONAL EXCESS LIABILITY DECLARATIONS PAGE** - **CONTINUED**\n\n56\n\n**Policy Number** PCG 0017034504\n\n**Policy Period 03/06/2023** - **03/06/2024**\n\nAt 12:01 A.M. standard time at your mailing address shown below\n\n| Required Underlying Insurance: Continued | | Minimum Required Underlying Limits | |\n|--------------------------------------------------------|----------------------------------------------------------------|------------------------------------|--|\n| 3. Watercraft
Less than 26 feet and less than 50 hp | Combined Single Limit: | \\$300,000 each occurrence | |\n| 26 feet or more or more than 50 hp | Combined Single Limit: | \\$500,000 each occurrence | |\n| 4. Unlicensed Recreational Vehicles | Bodily Injury and Property Damage or
Combined Single Limit: | \\$300,000 each occurrence | |\n| 5. Employers Liability | Combined Single Limit | \\$100,000 each occurrence | |\n\n### **FORMS AND ENDORSEMENTS:**\n\nPEL-AENY (01 /09), PCG-DESNOT-NY (02/21 ), PEL (08/01 ), PEL-DEC1 (12/05), PEL-SCHED (05/10), PEL-EPLI (07/01), PCG-CL NO (06/06), PCG-FEENOTICE (08/18), 91222 PCG (09/16), PEL-CHGN (07/01), PCG-PRIVNOT (09/21), PEL-OF AC (05/22)\n\n**Total Premium** \\$1,000.00\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 8 of 56\n\n~ ~\n\n\n\n**AIG Private** Client Group\n\n### AIG Property Casualty Company\n\n(Name of issuing company)\n\n### Policy Number:PCG 0017034504 **Schedule of Underlying Insurance**\n\n56\n\n| | Homeowners | | | |\n|---|------------------------------------------------------|----------------------------|--|--|\n| | Location | Insuring Company | | |\n| | 781 Fifth Avenue
18th Floor
New York, NY 10022 | AIG - Private Client Group | | |\n| 2 | 781 Fifth Avenue Apt, #2219
New York, NY 1 0022 | AIG - Private Client Group | | |\n| 3 | 781 Fifth Avenue Apt, #719
New York, NY 10022 | AIG - Private Client Group | | |\n\n### **Private Passen er Auto and Licensed Recreational Vehicles**\n\n## **Description**\n\n**Insuring Company**\n\n**None**\n\n**Unlicensed Recreational Vehicles**\n\n**Description None**\n\n**Insuring Company**\n\n**Yacht and Personal Watercraft**\n\n**Description none**\n\n**Insuring Company**\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 10 of 56\n\n\n\n6072-03-00-0001167-0005-0033311 \\$§072-03-00-0004 167-0005-003331 1\n\n| WHAT DOES AMERICAN INTERNATIONAL GROUP, INC. (AIG) DO WITH YOUR
PERSONAL INFORMATION? |\n|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|\n| Financial companies choose how they share your personal information. Federal
law gives consumers the right to limit some but not all sharing. Federal law also
requires us to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand what we do. |\n| The types of personal information we collect and share depend on the
product or service you have with us. This information can include:
• Social Security number and Medical Information
• Income and Credit History
• Payment History and Employment Information
When you are no longer our customer, we continue to share your
information as described in this notice. |\n| All financial companies need to share customers' personal information to run
their everyday business. In the section below, we list the reasons financial
companies can share their customers' personal information; the reasons AIG |\n\nchooses to share; and whether you can limit this sharing.\n\n| Reasons we can share your personal information | Does AIG share? | Can you limit
this sharing? |\n|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------|--------------------------------|\n| such as to process
For our everyday business purposes -
your transactions, maintain your account(s), respond to court
orders· and legal investigations, conduct research including
data analytics, or report to credit bureaus | Yes | No |\n| to offer our products
For our marketing purposes -
and services to you | Yes | No |\n| For joint marketing with other financial companies | Yes | No |\n| For our affiliates' everyday business purposes -
information about your transactions and experiences | Yes | No |\n| For our affiliates' everyday business purposes -
information about your creditworthiness | No | We don't share |\n| For nonaffiliates to market to you | No | We don't share |\n\n**Questions? For AIG Insurance Companies: Call 866-244-4786; Fax: 212-458-7081 or E-Mail: CIPrivacy@aig.com**\n\n**For Pet insurance sold by AIG Insurance Companies: Call 866-937-7387 or E-Mail:**\n\n#### **CIPrivacy@aig.com**\n\nFor LiveTravel, Inc., Travel Guard Group, Inc. or AIG Travel Assist, Inc.: Call 866-244-4786 or E-Mail: CIPrivacy@aig.com\n\n| | of 56 |\n|--------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|\n| Who we are | |\n| Who is providing this notice? | The insurance company subsidiaries of American International Group, Inc. (AIG)
underwriting property-casualty, accident & health, life insurance and related
services and certain marketing subsidiaries of AIG listed below. |\n| What we do | |\n| How does AIG protect my
personal information? | To protect your personal information from unauthorized access and use, we
use security measures that comply with federal law. These measures include
computer safeguards and secured files and buildings. We restrict access to
employees, representatives, agents, or selected third parties who have been
trained to handle nonpublic personal information. |\n| How does AIG collect my
personal information? | We collect your personal information, for example, when you
• apply for insurance or pay insurance premiums
• file an insurance claim or give us your income information
• provide employment information
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies. |\n| Why can't I limit all sharing? | Federal law gives you the right to limit only
• sharing for affiliates' everyday business purposes-information about your
creditworthiness
• affiliates from using your information to market to you
o sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit
sharing. See below for more on your rights under state law. |\n| Definitions | |\n| Affiliates | Companies related by common ownership or control. They can be financial and
nonfinancial companies.
• Our affiliates include the member companies of American International Group,
Inc., such as National Union Fire Insurance Company of Pittsburgh Pa. |\n| Non affiliates | Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
• AIG does not share with nonaffi/iates so they can market to you. |\n| Joint marketing | A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
• Our joint marketing partners include companies with which we jointly offer
insurance products, such as a bank. |\n\n## **Other important information**\n\nThis notice is provided by American Home Assurance Company; AIG Assurance Company; AIG Property Casualty Company; AIG Specialty Insurance Company; Commerce and Industry Insurance Company; Granite State Insurance Company; Illinois National Insurance Co.; Lexington Insurance Company; AIU Insurance Company; National Union Fire Insurance Company of Pittsburgh, Pa.; National Union Fire Insurance Company of Vermont; New Hampshire Insurance Company; The Insurance Company of the State of Pennsylvania; (collectively the \"AIG Insurance Companies\"). This notice is also provided by certain marketing subsidiaries of AIG, including Morefar Marketing, Inc., LLC, Travel Guard Group, Inc., AIG Travel Assist, Inc. and LiveTravel, Inc. who market insurance or non-insurance products and services to consumers.\n\n\n\nFor Vermont Residents only. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found using the contact information above for Questions.\n\nFor California Residents only. We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account.\n\n### Case 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 13 of 56\n\n**For Nevada Residents Only.** We are providing this notice pursuant to Nevada state law. You may elect to be placed on our internal Do Not Call list by contacting us as listed above. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 891 D1; Phone number: 702-486-3132; email: aginfo@ag.nv.gov. You may contact the applicable customer service department using the contact information above or by writing to us at Privacy Officer, 1271 Ave of the Americans, FL 37, New York, NY 10020- 1304.\n\nYou have the right to see and, if necessary, correct personal data. This requires a written request, both to see your personal data and to request correction. We do not have to change our records if we do not agree with your correction, but we will place your statement in our file. If you would like a more detailed description of our information practices and your rights, please write to us at: Privacy Officer, CIPrivacy@aig.com.\n\nof 56\n\n\n\nAIG Private Client Group\n\n#### NOTICE NOTICE\n\n#### To report a claim, please contact: To report a claim, please contact:\n\n#### + 1-888-760-9195 + 1-888-760-9195\n\n\n\n### **THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.**\n\n## **ECONOMIC SANCTIONS ENDORSEMENT**\n\nPART VII CONDITIONS, Provision A. **Policy Period and Territory** is deleted in its entirety and replaced by the following:\n\n- **A. Policy Period and Territory.** The policy period is stated on the Declarations Page. This policy applies to:\n\t- **1. An occurrence** which takes place anywhere in the world; or\n\t- **2. A wrongful employment act or wrongful act** which takes place anywhere in the world but, only if the claim or the **directors and trustees claim** is made and a suit is brought for such **wrongful employment act or wrongful act** in the United States of America, its territories or possessions.\n\nProvided, however, the Insurer shall not be deemed to provide cover and the Insurer shall not 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 the Insurer, its parent company or its ultimate controlling entity 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 the United States of America.\n\n~\n\n6072-03-00-0061 167-0009-0033315 6072-03-00-0001167-0009-0033315 Case 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 19\n\n**IMPORT ANT NOTICE REGARDING YOUR POLICY**\n\nof 56\n\n# Your policy will be assessed an installment fee per installment, unless Full Payment has been selected. The\n\nfee amount is disclosed on your Billing Statement.\n\n**Installment Fees**\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 20 of 56\n\n6072-03-00-0001167-0010-0033316 6072-03-00-0001167-0010-0033316\n\n### Case 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 21 of 56\n\n### **IMPORTANT NOTICE TO SENIOR POLICYHOLDERS - NEW YORK**\n\nInsureds sixty-five years of age or older may make a written request to the insurer to name a designee to receive notices of cancellation and nonrenewal. If for any reason a cancellation or nonrenewal notice is sent to the named insured, the named insured's designee will also receive a copy of the notice.\n\nNew York law requires that the notification by the senior citizen insured to the insurance company advising of the third party designation shall include a written acceptance by the third party designee. Such notification must be delivered to the company by certified mail, return receipt requested to:\n\n**AIG Property Casualty Company Attn: Client Services 1271 Avenue of the Americas New York, NY 10020**\n\n**If you want to name a third-party designee, please provide the designee's information below. Please sign your name and have the designee provide their signature as well.**\n\nI Policy Number: PCG 0017034504\n\nSignature: \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ \\_\n\nDESIGNATION AS A THIRD PARTY DOES NOT CONSTITUTE AN ACCEPTANCE OF ANY LIABILITY. IF AT ANY TIME YOU WANT TO TERMINATE THIS DESIGNEE AGREEMENT YOU MUST SEND WRITTEN NOTIFICATION TO BOTH THE COMPANY AND THE SENIOR CITIZEN INSURED.\n\n| Designee Name: | | | |\n|----------------|-----|----------|--|\n| Address: | | | |\n| City: | ST: | I
Zip | |\n\n(Signature of Designee) (Date)\n\nInsured Copy\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 22 of 56\n\n\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 23 of 56\n\n### **IMPORTANT NOTICE TO SENIOR POLICYHOLDERS - NEW YORK**\n\nInsureds sixty-five years of age or older may make a written request to the insurer to name a designee to receive notices of cancellation and nonrenewal. If for any reason a cancellation or nonrenewal notice is sent to the named insured, the named insured's designee will also receive a copy of the notice.\n\nNew York law requires that the notification by the senior citizen insured to the insurance company advising of the third party designation shall include a written acceptance by the third party designee. Such notification must be delivered to the company by certified mail, return receipt requested to:\n\n**AIG Property Casualty Company Attn: Client Services 1271 Avenue of the Americas New York, NY 10020**\n\nIf you want to name a third-party designee, please provide the designee's information below. Please sign your name and have the designee provide their signature as well.\n\nI Policy Number: PCG 0017034504\n\nSignature: \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ \\_\n\nDESIGNATION AS A THIRD PARTY DOES NOT CONSTITUTE AN ACCEPTANCE OF ANY LIABILITY. IF AT ANY TIME YOU WANT TO TERMINATE THIS DESIGNEE AGREEMENT YOU MUST SEND WRITTEN NOTIFICATION TO BOTH THE COMPANY AND THE SENIOR CITIZEN INSURED.\n\n| Designee Name: | | | |\n|----------------|-----|----------|--|\n| Address: | | | |\n| City: | ST: | I
Zip | |\n\n(Signature of Designee) (Date)\n\nCompany Copy\n\n\n\n6072-03-00-0001 167-001 2-0033318 6072-03-00-0001167-0012-0033318 Endorsement to Policy # PCG 0017034504\n\nPolicy Period : 03/06/2023 - 03/06/2024\n\n### **PERSONAL EXCESS LIABILITY POLICY**\n\n### **EMPLOYMENT PRACTICES LIABILITY EXCLUSION**\n\nWith respect to coverage provided by this endorsement, all provisions and conditions of the policy apply unless they are changed by this endorsement.\n\nIt is agreed and understood that for a reduced premium, the following is amended:\n\nPART I - DEFINITIONS is amended as follows:\n\nThe definitions for **private staff, incidental worker, leased worker** and **temporary worker** are deleted.\n\nPART II - WHAT IS COVERED is amended as follows:\n\nSection B., Limited Employment Practices Liability Coverage is deleted.\n\nPART Ill - LIMITS is amended as follows:\n\nSection C., Limited Employment Practices Liability Coverage is deleted.\n\nPART IV - DEFENSE COVERAGE AND CLAIM EXPENSE is amended as follows:\n\nSection A. reference to 'or Limited Employment Practices Liability Coverage' is deleted. Section C.2., is deleted.\n\nPART V - WHAT IS NOT COVERED - EXCLUSIONS is amended as follows:\n\nSection A. reference to 'and Limited Employment Practices Liability Coverage' is deleted. Section C. is deleted.\n\nPART VI - YOUR DUTIES is amended as follows:\n\nSection B. reference to 'or **wrongful employment act'** is deleted.\n\nPART VII - CONDITIONS is amended as follows:\n\nSection A., Policy Period and Territory is deleted and replaced with the following:\n\n**A. Policy Period and Territory.** The policy period is stated on the Declarations Page. This policy applies to an **occurrence** which takes place anywhere in the world.\n\nof 56\n\nAIG Private Client Graup\n\n\n\n### **POLICYHOLDER NOTICE**\n\nThank you for purchasing insurance from a member company of American International Group, Inc. (AIG). The AIG member companies generally pay compensation to brokers and independent agents, and may have paid compensation in connection with your policy. You can review and obtain information about the nature and range of compensation paid by AIG member companies to brokers and independent agents in the United States by visiting our website at www.aig.com/producer-compensation or by calling 1-800-706-3102.\n\n~w\n\n 6072-03-00-0001 167-0014-0033320 6072-03-00-0001167-0014-0033320\n\n\n\nAIG Private Client Group\n\n## **YOUR PERSONAL EXCESS LIABILITY POLICY**\n\n### QUICK REFERENCE\n\nDeclarations Page\n\nYour Name and Address Policy Period Policy Limit Premium Forms Required Underlying Insurance And Limits for Covered Locations, Vehicles and Watercraft Schedule of Underlying Insurance\n\n### COVERAGE IS PROVIDED BY THE AMERICAN INTERNATIONAL GROUP MEMBER COMPANY NAMED IN THE DECLARATIONS PAGE. EACH IS A STOCK COMPANY.\n\n| POLICY PROVISIONS | Beginning on Page |\n|-----------------------------------------------------|-------------------|\n| Part I
-
Definitions | 2 |\n| What Is Covered
Part II
- | 3 |\n| Part Ill
-
Limits | 5 |\n| Part IV
Defense Coverage And Claim Expenses
- | 6 |\n| What Is Not Covered -
Part V
-
Exclusions | 7 |\n| Part VI
-
Your Duties | 9 |\n| Part VII -
Conditions | 10 |\n\nThe Contract together with the Declarations Page and Endorsements, if any, complete the Policy.\n\n~ ~ of 56\n\n### **THIS POLICY IS NOT COMPLETE WITHOUT A DECLARATIONS PAGE**\n\n### **PERSONAL EXCESS LIABILITY COVERAGE** · **POLICY PROVISIONS**\n\nThe insurance company named on your Declarations Page will provide the insurance described in this policy. You agree to pay the premium and comply with your responsibilities described in this policy.\n\nVarious provisions in this policy restrict or exclude coverage. Read the entire policy carefully to determine your rights and duties, and what is and is not covered. We have no duty to provide coverage unless there has been full compliance with policy PART VI • YOUR DUTIES and PART VII - CONDITIONS.\n\n\n\nWords with special meanings are defined here or in the part of the policy where they are used. Throughout the policy, defined terms will be balded when used.\n\n**In this policy, the words \"you\", \"your\" and \"yours\"** mean the person or persons named on the Declarations Page and his or her spouse who lives in the same **household. The words \"we\", \"us\", \"our\" and \"ours\"** mean the insurance company named on the Declarations Page. Also, in this policy, the word(s):\n\n- **1. Aircraft** means any contrivance used or designed for flight, except model or hobby craft not used or designed to carry people or cargo.\n- **2. Auto** means any motorized land vehicle which requires motor vehicle registration or operator licensing. This includes self-propelled motor homes, motorcycles and attached trailers or **semi-trailers.**\n- **3. Bodily Injury** means physical bodily harm, including sickness or disease that results from it, and required care, loss of services or resulting death.\n- **4. Business** means a part-time or full-time trade, occupation or profession, including farming or ranching, other than **incidental business.**\n- **5. Damages** means the sum required to satisfy a claim, whether settled or agreed to in writing by us or resolved by judicial review.\n- **6. Discrimination means violation of a person's** civil rights with respect to such person's race, color, national origin, religion, gender, marital **status, age, sexual orientation or preference,** physical or mental condition, or any other protected class or characteristic established by any federal, state or local statutes, rules or regulations.\n- **7. Employment Crisis** means an allegation of, or your discovery of, a **wrongful employment act** committed against your **private staff** that has resulted in or, in your good faith opinion, is reasonable likely to result in a civil action against you or a **family member.**\n- **8. Family Member** means a person related to you by blood, marriage or adoption that lives in\n\nyour household, including a ward or foster child.\n\n- **9. Follow Form** means that the coverage provided under this policy shall apply to the extent it is provided under required underlying insurance, following the terms, definitions, conditions and exclusions of the required underlying insurance. The **damages** payable are in excess of the required underlying insurance exhausted by payments of covered claims. If a provision of the required underlying insurance policy conflicts with a provision of this policy, this policy's provision shall apply. In any event, this policy will not provide broader coverage than provided by the required underlying insurance policy.\n- **10.lncidental business** means a **business** activity that does not produce gross revenues in excess of \\$10,000 in any year, has no employees subject to workers' compensation or other similar disability laws, and conforms to federal, state and local laws. **Incidental business** includes the **business** of farming provided that it does not involve employment of others for more than 1,250 hours of farm work during the Policy period, and does not produce more than \\$25,000 in gross annual revenues from the raising or care of animals or agriculture. **Incidental business** includes residences listed on the Declarations Page that you own and rent to others.\n- **11.lncidental Worker** means a person, such as a babysitter, hired for casual employment by you, working less than 15 hours per week.\n- **12.lnsured Person** means:\n\t- **a.** You or a **family member;**\n\t- **b.** An additional insured named in the policy; or\n\t- **c.** Any person given permission by you or a **family member** to use vehicle or **watercraft** covered under this policy with respect to their legal responsibility arising out of its **use.**\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 32 of 56\n\n6072-03-00-0001167-0016-0033322 6072-03-00-0001 167-0016-0033322\n\n- **13.Leased Workers** means a person employed by a firm under an agreement between you and the firm, to perform duties related to the conduct of your domestic, personal or **incidental business.**\n- **14.0ccurrence** means:\n\t- **a.** An accident, including continuous or repeated exposure to substantially the same general harmful conditions which first results during the Policy Period in **bodily injury** or **property damage;** or\n\t- **b.** An offense, including a series of related offenses, committed during the Policy Period that results in **personal injury.**\n- **15.Personal Injury** means the following injuries, or resulting death:\n\t- **a. Bodily Injury;**\n\t- **b.** Wrongful detention, false imprisonment or false arrest;\n\t- **c.** Shock, emotional distress, mental injury;\n\t- **d.** Invasion of privacy;\n\t- **e.** Defamation, libel or slander;\n\t- **f.** Malicious prosecution;\n\t- **g.** Wrongful entry or eviction; or\n\t- **h.** Assault and battery when committed with the intent or protecting persons.\n- **16.Private Staff** means individualls) employed by you to perform duties related to your residential affairs, personal affairs or **incidental business. Private staff's** labor or service is engaged by and directed by you for renumeration. **Private staff** includes **temporary workers,** including full-time or part-time **leased workers.** Independent contractors and **incidental workers** are not considered **private staff.** Fulltime means regularly employed by you 30 hours or more per week, while part-time means regularly employed by you less than 30 hours but more than 15 hours per week.\n- **17 .Property damage** means physical injury to, destruction of, or loss of use of tangible property and the resulting loss of its use.\n\n#### **18.Recreational Motor Vehicle** means:\n\n- **a.** A motorized land vehicle designed for use off public roads and not subject to motor vehicle registration or operator licensing;\n- **b.** A motorized land vehicle in dead storage at **your residence; or**\n- **c.** A motorized land vehicle used solely on and\n- **d.** to service a location shown on the Declarations Page.\n- **19.Sexual Harassment** means unwelcome sexual advances, requests for sexual favors, or other verbal, visual or physical conduct of a sexual\n\nnature when such conduct:\n\n- **a.** Is linked with decision affecting an individual's employment;\n- **b.** Interferes with an individual's job perfor**mance; or**\n- **c.** Creates an intimidating, hostile or offensive working environment for an individual.\n- **20. Temporary Worker** means a person who is furnished to you to substitute for a permanent **private staff** member on leave or to meet seasonal or short-term workload conditions.\n- **21. Watercraft** means a boat or craft designed for **use on, over or underwater;**\n- **22. Wrongful Employment** Act means actual or alleged employment related **wrongful termination. sexual harassment, or discrimination.**\n- **23.Wrongful Termination** means:\n\t- **a.** Violation of your **private staff's** rights, other than rights based on an express, written, or oral agreement of employment when, terminating an employment relationship; or\n\t- **b.** Failure to exercise duty and care on the part of you or a **family member** when terminating an employment relationship.\n\nI **PART** II. **WHAT IS COVERED**\n\n#### **A. Excess Liability**\n\n**1.** Insuring Agreement\n\nWe will pay **damages** an **insured person** is legally obligated to pay because of **personal injury** or **property damage** caused by an **occurrence,** covered by this policy anywhere in the world:\n\n- **a.** In excess of **damages** covered by the required underlying insurance or the Minimum Required Underlying Limit whichever is greater; or\n- **b.** From the first dollar of **damages** where required underlying insurance either:\n\t- **1)** Exists but, coverage does not apply for a **particular occurrence; or**\n- **2)** Is not required under this policy and no underlying insurance exists.\n- **2.** Excess Uninsured and Underinsured Motorists Protection Coverage\n\nThis coverage is in effect only if an Excess Uninsured/Underinsured Motorists Limit is shown on the Declarations Page:\n\na. Excess Uninsured and Underinsured Mototorists Protection Coverage\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 34 of 56\n\n\n\n6072-03-00-0001167-0017-0033323 6072-03-00-0001 167-001 7-0033323\n\nWe cover **damages** for **bodily injury** an **insured person** is legally entitled to receive from the owner or operator of an uninsured or underinsured auto if the **bodily injury** is caused by an occurrence during the Policy Period. We cover these **damages** in excess of the underlying insurance or the Minimum Required Underlying Limit, whichever is greater.\n\nThis coverage will **follow form.**\n\n- **b.** Excess Uninsured/Underinsured Motorists Protection Arbitration\n\t- **1)** If we and an **insured person** do not agree:\n\t\t- **a)** Whether that **insured person** is legally entitled to recover **damages** from the **owner or operator of an uninsured or** underinsured **auto;** or\n\t\t- **b)** As to the amount of **damages** which are recoverable by that **insured person;**\n\neither party may make a written demand for arbitration.\n\nBoth parties must agree to arbitration. If the amount in demand is \\$40,000 or less, it shall be settled by a single neutral arbitrator. If the amount in demand is greater than \\$40,000, each party will select an arbitrator, and the two arbitrators will select a third. If they cannot agree within 30 days, either may request that selection be made by a judge of a court of jurisdiction.\n\n- **2)** Each party will:\n\t- **a)** Pay the expenses it incurs; and\n\t- **b)** Bear the expenses of the third arbitrator equally.\n- **3)** Unless both parties agree otherwise, arbitration will take place in the county in which the insured person lives. Local rules of law as to procedure and evidence will apply.\n\nA decision agreed to by two of the arbitrators will binding as to:\n\n- **a)** Whether the insured person **is** legally entitled to recover **damages;** and\n- **b)** The amount of **damages.** This applies only if the amount does not exceed the minimum limit for **bodily injury** liability specified by the financial responsibility law of the state in which the covered **auto** is principally garaged. If the amount exceeds that limit, either party may demand the right to a trial. This demand must be made within 60 days of the arbitrators' decision. If this demand is not made,\n\nthe amount of **damages** agreed to by the arbitrators will be binding.\n\nThis provision supersedes any arbitration provision in any underlying insurance policy.\n\nIn no event may an arbitration award exceed the Excess Uninsured/Underinsured insured Limit shown on the Declarations Page.\n\nThis provision does not apply to any disputes regarding the application of the Excess Uninsured/Underinsured Motorists Protection. Any disputes regarding coverage shall be resolved by a court of competent jurisdiction.\n\n- **3.** Additional Coverage\n\t- **a.** Coverage for Rented of Borrowed Autos\n\nWe cover **damages** an **insured person** is legally obligated to pay **bodily injury** or **property damage** caused by an **occurrence** during the Policy Period resulting from an **insured person's** use of a rented or borrowed auto, provided the rental or loan does not exceed 45 days.\n\nWe will provide this coverage in excess of any underlying insurance that applies to these **damages.** If no underlying coverage exists, we will pay total **damages.**\n\nThis coverage does not cover **damages** an **insured person** is legally entitled to receive from the owner or operator of an uninsured **or underinsured auto.**\n\n**b.** Limited Residence Premises Business Liability\n\nWe cover **damages** an **insured person** is legally obligated to pay for **personal injury** or **property damage** arising out of the physical condition of a residence shown on the Declarations page when **business** or professional activities are legally conducted by an **insured person** at that residence. This coverage applies only if:\n\n- **1)** You do not have any employees conducting **business** activities at your residence who are subject to workers' compensation or other similar disability laws;\n- **2)** You are not a home day care provider; and\n- **3)** There is no other valid and collectible **insurance.**\n\nWe will provide this coverage in excess of any underlying insurance that applies to these **damages.** If no underlying coverage exists, we will pay total **damages.**\n\n- **c.** Newly Acquired Auto and Watercraft\n\t- **1)** We cover damages an insured person is legally obligated to pay for bodily injury or property damage caused by an\n\n\n\n**occurrence** for newly acquired **autos** providing you give us notice within 365 days after you become the owner. We **reserve our right not continue to insure** the **auto** once notified.\n\n- **2)** We also cover **damages** an **insured person** is legally obligated to pay for **bodily injury** or **property damage** caused by an **occurrence** for newly acquired **watercraft** provided you give us:\n\t- **a)** Notice within 365 days after you become the owner for **watercraft** that is less than 26 feet in length and less than 50 horsepower; and\n\t- **b)** Notice within 45 days after you become owner for **watercraft** that is 26 feet or more in length or 50 or more horsepower, which you will be required to pay additional premium from the date of acquisition.\n\nWe reserve our right not to continue to insure the **watercraft** once notified.\n\nWe will provide this coverage in excess of any underlying insurance that applies to these **damages.** If no underlying coverage exists, we will pay total **damages.**\n\n**d.** Limited Employers' Liability\n\nWe will provide coverage in excess over any underlying insurance for damages which are not compensable under workers' compensation or similar laws and which an **insured person** is legally obligated to pay for **bodily injury** to **private staff.**\n\n#### **B. Limited Employment Practices Liability Coverage**\n\n- **1.** This coverage is in effect only if a Limited Employment Practices Liability Coverage Limit is shown on the Declarations Page:\n\t- **a.** Insuring Agreement\n\nWe will pay **damages** you or a **family member** is legally required to pay to compensate **private staff** arising out of your **wrongful employment act** to which this insurance applies. This coverage applies only if:\n\n- **1)** The number of **private staff** does not exceed five (5) at the inception date of the Policy Period; and\n- **2)** The **wrongful employment act** occurs during the Policy Period.\n\nAll **wrongful employment acts** arising out of continuous, repeated or related **wrongful employment acts** shall be treated as one **wrongful employment act** and shall be deemed to occur at the time of the first\n\n#### **wrongful employment act.**\n\n**b.** Additional Coverage\n\n#### **Employment Crisis Fund**\n\nWe cover reasonable fees and necessary expenses incurred by a crisis management firm for services performed to minimize potential loss as a result of an **employment crisis. A** crisis management firm means any public relations firm, Media management consultant, investigation firm or law firm. This coverage applies only if:\n\n- **a.** The **employment crisis** arises from a **wrongful employment** act committed during the Policy Period; and\n- **b.** The **employment crisis** is reported to us as soon as practicable but in no event later than thirty (30) days after you first contact a crisis management firm regarding the **employment crisis.**\n\nThere **is** no requirement for you to obtain approval before incurring fees and expenses with a crisis management firm following an **employment crisis** provided you select a firm from our panel of pre-approved crisis management firms. Prior written approval from us is required for this coverage to apply to fees and expenses incurred with any crisis management firm that is not listed on our pre-approved panel.\n\nThe most we will pay is the fee and expenses of the crisis management firm until they advise us that the **employment crisis** no longer exists or \\$25,000, whichever is less. The most we will pay is \\$25,000 regardless of the number of **employment crises** occurring during the Policy Period. The limit is in addition to the Limited Employment Practices Liability limit stated on the Declarations Page. This coverage is not subject to a deductible.\n\n\n\n#### **A. Excess Liability Coverage**\n\nThe most we will pay for all claims for personal injury and property damage for anyone occurrence is the Personal Excess Liability Policy Limit shown on the Declarations Page. This insurance applies separately to each insured person against whom a claim is made or suit is brought but, we will not pay more than this amount in any one occurrence regardless of how many coverages, claims, people, or autos are involved in the occurrence. There is no limit to the number of occurrences during the Policy Period for which claims may be made.\n\nof 56\n\n~\n\n6072-03-00-0001 167-0019-0033325 6072-03-00-0001167-0019-0033325\n\n#### **B. Excess Uninsured/Underinsured Motorists Protection Coverage**\n\nSubject to the Personal Excess Liability Policy Limit above, the most we will pay in covered damages under this coverage for anyone occur- rence is the Excess Uninsured/Under insured Mo-torists shown on the Declarations Page, regard- less of how many claims, people, or autos are involved in the occur rence. There is no limit to the number of oc currences during the Policy Period for which claims may be made.\n\n#### **C. Limited Employment Practices Liability**\n\n**1.** Limits\n\n#### **a.** Annual Aggregate\n\nThe most we will pay for the sum of all losses for all claims under this coverage dur- ing the Policy Period is the limit shown as 'Annual Aggregate' for Limited Employment Practices Liability. Each loss payment we make for such claims reduces the Annual Aggregate limit by the amount of the pay-ment. This reduced limit will then be the amount available for any furth er claims for the remaining portion of the Policy Period.\n\n**b.** Each **Wrongful Employment Act**\n\nSubject to the Annual Aggregate Limit, the most we will pay for all losses for all claims because of any **wrongful employ ment act** or series of related acts is the 'Each Wrongful Act' limit shown for Lim ited Employment Practices Liability.\n\nThis insurance applies separately to each **insured person** against whom a claim is made or suit is brought but we will not pay more than the Annual Aggregate regardless of how many claims or people are involved.\n\n**2.** Deductible\n\nThe deductible amount shown for Employment Practices Liability shall be subtracted from amount of **damages** as a result of any **wrongful employment act** or series of related acts, regardless of how many claims or people are involved.\n\nThe limit will not be reduces by the application of the deductible amount. Notice of claim or suit and our right to investigate and negotiate any such claim or suit, apply irre- spective of the application of the deductible amount.\n\n**PART IV- DEFENSE COVERAGE** - **AND CLAIM EXPENSE**\n\n#### **A. As respects Excess Liability or Limited Employment Practices Liability:**\n\nWe will defend an **insured** person against any suit **seeking** damages covered by Excess Lia bility or Limited Employment Practices Liability under this policy and where:\n\n- 1. The underlying insurance has been exhausted by payment of claims; or\n- 2. No underlying insurance applies;\n\nEven if the allegations of the suit are groundless, false, or fraudulent, we provide this defense at our expense. You may choose counsel from a panel of firms selected by us. If a panel counsel is not established in your jurisdiction, we reserve the right to select counsel. We may investigate and settle any claim or **suit at our discretion.**\n\nAdditionally, we will pay:\n\n- a. All court costs and expenses on judgements assessed against any **insured person;**\n- **b.** Reasonable expenses incurred by an **insured person** at our request, up to a total of \\$10,000 for assisting us in the investigation or defense of a claim or **suit;**\n- **c.** The cost of bail bonds required of an **insured person** because of a covered **loss;**\n- **d.** All premiums on bonds required in a suit we defend, but not for bond amounts more than the coverage amount (we need not apply for or furnish any bond);\n- e. All expenses incurred by us;\n- f. Interest on the entire judgment which accrues after entry of the judgment and before we pay or tender, or deposit in court, that part of the judgment which does not exceed the amount of the coverage; and\n- g. All prejudgment interest awarded against an insured person on that part of the judgment we pay or offer to pay, we will not pay any prejudgment interest based on that period of time after we make an offer to pay the amount of **coverage.**\n\n#### **B. As respects Excess Liability, the following applies:**\n\nWe will have the right, but not the duty, to defend any **insured person** against any suit seeking **damages** covered by Excess Liability under this policy and also covered by the required underlying insurance. We will have the right to participate, at our own expense, with the **insured person** or insurer of any underlying insurance policy in the investigation, defense or settlement of any claim or suit which we believe may be require a loss payment under this policy. We will not contribute to the costs and expenses incurred by any insurer of underlying insurance policy, which an insurer of such policy is obligated to provide.\n\n#### **C. When Our Duty To Defend Ends**\n\n- **1.** As respects Excess Liability\n\t- **a.** Our duty to defend an **insured person** against any claim or suit arising out of any **one occurrence ends when amount we** have paid in **damages** for that occurrence equals the Personal Excess Liability Policy Limit shown on the Declarations Page.\n\t- **b.** Payments under this provision, defense Coverage and Claim Expenses, except a settlement payment, are in addition to the Personal Excess Liability Policy Limit shown on the Declarations Page.\n- **2.** As respects Limited Employment Practices Liability: '\n\t- **a.** Our duty to defend any **insured person** against any claim or suit arising out of any one **wrongful employment act** or a series of related act ends when amount we have paid in damages for that **wrongful employment acts** the Limited Employment Practices Liability limits shown on the Declarations Page.\n\t- **b.** Payments under this provision, Defense Coverage and Claim Expense, except a settlement payment, are in addition to the Limited Employment Practices Liability limits shown on the Declarations Page.\n\n#### **D. Expanded Defense Coverage**\n\nIf we are defending an **insured person** for any suit seeking covered **damages,** we will reimburse you, up to \\$10,000, for the reasonable expense for a law firm of your choice to review and consult on the defense covered under this policy. This coverage only applies to expenses incurred after the date our defense has begun and any applicable deductible has been applied.\n\n> **PART V- WHAT IS NOT COVERED** - **EXCLUSIONS**\n\n**A. As respects Excess Liability and Limited Employment Practices Liability:**\n\nThis insurance does not provide coverage for liability defense cost or any other cost or ex**pense:**\n\n- **1.** Auto or Recreational Motor Vehicle Arising out of the ownership, maintenance, use, loading or unloading of:\n\t- **a.** Any motorized land vehicle (other than an **auto** or **recreational motor vehicle)** owned, leased or regularly used by any **insured person; or**\n\t- **b.** Any **auto** or **recreational motor vehicle** not covered by any underlying insurance or not listed on the Declarations page of this policy.\n\nThis exclusion does not apply to covered **damages** as provided under Rented or Borrowed Auto and Newly Acquired Auto and Watercraft Additional Coverages.\n\n#### **2. Aircraft**\n\nArising out of the ownership, maintenance, use, loading, unloading, or towing of any **aircraft** that is rented to, owned by, or in the care, custody or control of an **insured person,** except non-owned **aircraft** chartered with a crew by you or on your behalf.\n\n#### **3. Watercraft**\n\nArising out of the ownership, maintenance, use, operation, loading or unloading of any **watercraft:**\n\n- **a.** That is less than 26 feet in length and less than 50 horsepower and owned by, furnished or rented to an **insured person** for longer than 365 days and is not listed on the Declarations Page;\n- **b.** That is 26 feet or more in length or 50 or more horsepower and owned by, furnished or rented to an **insured person** for longer than 45 days and is not listed on the Declarations Page;\n- **c.** Not covered by any underlying insurance; or\n- **d.** Used for any business or commercial purpose.\n\nHowever, item **c.** of this exclusion does not apply to covered **damages** as provided under Newly Acquired Auto and Watercraft Additional Coverage.\n\n**4.** Racing\n\nArising out of the use of an auto, **recreational motor vehicle, watercraft** or **aircraft** for the participation in or practice for competitive racing. However, this exclusion does not apply to sail boats that are covered under this policy.\n\n#### **5.** Auto Services\n\nArising out of the use of an **auto,** or a temporary substitute for such auto, by any **insured person** while employed or otherwise engaged in the **business** of:\n\n#### Selling;\n\n- **a.** Repairing;\n- **b.** Servicing;\n- **c.** Storing;\n- **d.** Parking;\n- **e.** Testing; or\n- **f.** Delivering\n\nAutos designed for use mainly on public highways.\n\nml\n\n 6072-03-00-0001167-G021-0033327 6072-03-00-0001167-0021-0033327 **6.** Business Pursuits\n\nArising out of an **insured person's business** property or **business** pursuits, investment activity or any activity intended to realize a profit for either an **insured person** or others.\n\nHowever, this exclusion does not apply to:\n\n- **a.** Volunteer work for an organized charitable, religious or community group;\n- **b.** Incidental business activity; or\n- **c.** Limited Residence Premises Business Liability Coverage.\n- **7. Director's Errors or Omissions**\n\nArising out of any **insured person's** acts, er**rors or omissions as an officer or member of** the board of directors of any corporation or organization. This exclusion does not apply to an **insured person's** actions for non-profit **corporation or organization, or to a condominium or cooperative association.**\n\n**8.** Professional Services\n\nArising out of an **insured person** performing or failure to perform professional services, or for professional services for which any **insured person** is legally responsible or licensed.\n\n**9.** Intentional Acts\n\nArising out of any criminal, willful, **intentional or malicious act or omission by** any person. We also will not cover claims for acts or omissions of any person which are intended to result in, or would be expected by a reasonable person to cause, **property damage** or **personal injury.** This exclusion applies *even* if the injury or damage is of a different kind or degree, or is sustained by a different person, than expected or intended. This exclusion does not apply to **bodily injury** if the **insured person** acted with reasonable force to protect any person or property.\n\n**1** O.Controlled Substance(s)\n\nArising out of the use, sale, manufacture, delivery or transfer or possession of a controlled substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. However, this exclusion does not apply to the legitimate use of prescription drugs of a person following the orders of a licensed physician.\n\n#### **11.War**\n\nCaused directly or indirectly by war, including the following and any consequences of the following:\n\n- **a. Undeclared war, civil war, insurrection,** rebellion or revolution;\n- b. Warlike acts by military forces or personnel; or\n\nc. The destruction or seizure of property for a military purpose.\n\nDischarge of a nuclear weapon will be deemed a warlike act *even* if accidental.\n\n#### 12.Nuclear\n\nCaused **reaction, mination.** directly or indirectly by **radiation, or radioactive nuclear** conta-\n\n13.Assessments\n\nAny assessment charged against an **insured person as a member of an association,** corporation, community of property owners, **condominium or cooperative association.**\n\n14.Contracts\n\nFor any damages arising from:\n\n- a. Contracts or agreements made in connection with any insured person's business;\n- **b.** Unwritten contracts or agreements; or\n- **c.** Contracts or agreements in which the liability of others is assumed after a loss.\n- 15.Workers Compensation or Disability\n\nAny **damages** or benefits an **insured person** is legally obligated to provide under any worker's compensation, disability benefits, Jones Act or General Maritime Law, unemployment compensation, occupational **disease or similar law.**\n\n16.Uninsured/Underinsured Motorists\n\nAny claim for uninsured motorists, underin**sured motorists, or no-fault insurance** benefits unless a limit amount is shown for the Excess Uninsured/Underinsured Motorists Limit on the Declarations Page of this policy.\n\n17.lnsured Person\n\nPersonal Injury to an insured person under this policy.\n\n**18.** Transmitted Disease\n\nPersonal Injury resulting directly or indirectly from any illness, sickness or disease transmitted intentionally or uninententionally by an insured person to anyone. We do not cover any damages for any threat of **exposure or any consequences resulting** from the illness, sickness or disease.\n\n**19.** Care, Custody or Control\n\n**Property Damage** to property owned by, or in the care, custody and control of an **insured person.** However, this exclusion does not apply to covered **damages** as provided under Rented or Borrowed Auto and Newly Acquired Auto and Watercraft Additional Coverage.\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 44 of 56\n\n**B. As respects Excess Liability, the following also applies:**\n\nThis insurance does not provide coverage for liability defense costs or any other cost or expense for **personal injury:**\n\n**1.** Wrongful Employment Acts\n\nArising out of any **wrongful employment act,** including but not limited to **wrongful termination** of employment.\n\n**2.** Discrimination\n\nArising out of any actual. Alleged or threat**ened discrimination.**\n\n- **3.** Sexual Misconduct,\n\t- **a.** Sexual misconduct, molestation or ha**rassment.**\n\t- **b.** Corporal punishment; or\n\t- **c.** Sexual, physical or mental abuse.\n\n#### **C. As respects Limited Employment Practices Liability, the following also applies:**\n\nThis insurance does not provide coverage for liability defense costs or any other cost or expense:\n\n- **1.** Property Damage or Bodily Injury\n- **2.** Punitive Damages\n\nFor fines, penalties, punitive, exemplary or multiple damages, except where required by law.\n\n**3.** Uninsurable Losses\n\nFor matter which may be deemed uninsurable according to the law under which the Policy is construed.\n\n**4.** Breach of an Employment Contract\n\nArising out of a wrongful employment act for which the insured person is obligated to pay damages by reason of an express, written, or oral agreement of employment.\n\n**5.** Non-Monetary Relief\n\nFor that part of any claim or suit seeking non-monetary relief including, but not limited to, injunctive relief, declaratory relief, disgorgement, job reinstatement, or other equitable remedies\n\n**6.** Violations of Laws Applicable to Employers\n\nArising out of a violation of any responsibilities, obligations or duties imposed by the Employment Retirement Income Security Act of 1974, Fair Labor Standards Acts (except the Equal Pay Act), the Workers' Adjustment and retaining Notification Act, National Labor Relations Act, the Consolidated Omnibus Budget Reconciliation Act, the Immigration Reform & Control Act of 1986, any rules or regulations of the foregoing promulgated thereunder, and amendments thereto or any similar provisions of any federal, state, local or foreign statutory law or common law.\n\n**7.** Social Security Benefits\n\nArising out of any obligation under the Social Security Act including, but not limited to, any claim for lost or diminished Social Security benefits, including any amendments to that law, or similar federal, state, or local statutory or common law.\n\n\n\n#### **A. Maintain Underlying Insurance**\n\n**1.** Underlying Insurance\n\nWe will pay for that part of covered **damages** in excess of all underlying insurance, even if the underlying coverage is for more than the Minimum Required Underlying Limits shown on the Declarations.\n\n\"Underlying Insurance\" includes all liability insurance, other than this policy or insurance purchased specifically to be excess of this policy, that applies to the covered **damages.**\n\n- **2.** Required Underlying Insurance\n\t- **a.** Youand you **family members** must maintain insurance in full effect for the Minimum Required Underlying Limit amounts shown on the Declarations Page, covering your exposures for:\n\t\t- **1}** Personal liability resulting from **personal injury** and **property damage** caused by **an occurrence ; and**\n\t\t- **2} Bodily injury** and **property damage** resulting from an occurrence for all **autos, watercraft or recreational motor vehicles** you or your **family members** own, lease, regularly use, or rent for longer than 45 days.\n\t- **b.** If, at the time of an **occurrence,** the underlying insurance that is applicable to the **occurrence** is not fully collectible because:\n\t\t- **1}** You or a **family member** have failed to maintain required underlying insurance;\n\t\t- **2}** The limits, terms and conditions of the required underlying insurance have been reduced or restricted for specific **expo- sures;**\n\t\t- **3}** The insurer of the required underlying **insurance is bankrupt, insolvent or in receivership; or**\n\t\t- **4}** You or a **family member** have failed to meet your contractual responsibilities under the required underlying insu**rance;**\n\nthen we will pay only as though the required underlying insurance was in effect for the Minimum Required Underlying Limits stated on the Declarations Page.\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 46 of 56\n\n\n\n#### **B. Your Duties After a Loss** Case 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 47\n\nIn the event of an **occurrence** or **wrongful employment act** which is likely to involve this policy, or if you or any other **insured person** under this policy are sued in connection with an **occurrence** or **wrongful employment act** which may be covered under this policy: of 56\n\n- **1.** You must notify us or our agent as soon as practicable of the time, place and other circumstances of the **occurrence** or **wrongful employment act** and provide us with the names and address of any persons injured and any available witnesses.\n- **2.** An **insured person** must:\n\t- **a.** Provide us with any suit papers and any other documents which will help us defend the insured person; and\n\t- **b.** Assist and cooperate with us in the conduct of the defense by helping us:\n- **1.** To make a settlement;\n- **2.** To enforce any right of contribution or indemnity against any person or organization who may be liable to an **insured person.**\n- **3.** To attend hearings and trials; and\n- **4.** To secure and give evidence and obtain the attendance of witnesses.\n\n\n\n- **A. Policy Period and Territory.** The policy period is stated on the Declarations Page. This policy applies to:\n\t- **1.** An **occurrence** which takes place anywhere in the world; or\n\t- **2.** A wrongful employment act which takes place anywhere in the world but, only if the claim is made and a suit is brought for such wrongful employment act in the United States of America, its territories or pos**sessions.**\n\n#### **B. Suit Against Us.**\n\n- **1.** No action can be brought against us unless there has been full compliance with all of the terms under this policy.\n- **2.** No one will have the right to join us as a party to any action against an **insured person.**\n- **3.** Also, no action can be brought against us until the obligation of such **insured person** has been determined by final judgment or agreement signed by us.\n- **4.** We will also not be liable for the **insured per-son's** share of any payment due because of a settlement or judgment for which the **insured person** is responsible under any deductible provision.\n- **C. Appeals.** If the insured person or the insurer of an underlying policy elects not to appeal a judgment, which would require payment of loss under this policy, we may appeal the judgment.\n\nWe will pay the cost and interest incidental to the appeal. We will not be liable for more than the policy limit shown on the the Declarations Page plus the incidental cost and interest.\n\n- **D. Recovery.** If the insured person has rights to recover all or part of any payment we have made under this policy, those rights are transferred to us. The insured person must do nothing after loss to impair such rights of recovery. At our request, the insured person will bring suit or transfer those rights to us and help us enforce them.\n- **E. Assignment.** No one covered under this policy may assign or turn over any right or interest in regard to the policy without our written **consent.**\n- **F. Changes.** This policy may only be changed by written endorsement issued by us.\n- **G. Conformity to Statutes.** Any provision of this policy, which is in conflict with state or local law, is amended to conform to the law.\n- **H. Liberalization.** If we broaden the coverages provided by our Personal Excess Liability Policy without additional premium charge, the changes will automatically apply to your policy as of the effective date on which the changes are adopted in your state.\n- I. **Bankruptcy or Death.** The **insured person's** bankruptcy or insolvency shall not relieve us of any of our obligations. However, if the **insured person** dies or becomes bankrupt or insolvent during the Policy Period, this policy, unless cancelled, will cover the insured person's legal representative for the remainder of the Policy Period.\n- **J. Other Insurance.** This policy shall apply as **excess over any other insurance, except when** the other insurance is specifically written to apply in excess of this policy.\n- **K. Cancellation.** You may cancel this policy by mailing or delivering to our agent, or to us, advance notice of the date on which the cancellation is to take effect, and returning your copy of the policy to us. Your premium refund, if any, will be pro rata.\n\nWe may cancel by mailing to you, at the last mailing address known to us, written notice stating when cancellation will be effective. If the policy is cancelled by us due to your failure to discharge when due any of your obligations in connection with the payment of premium for this policy or any premium installment, whether payable directly to us or our agent or indirectly under any premium finance plan or extension of credit, written notice of cancellation must be mailed at least ten (10) days prior to the ef fective date of such cancellation.\n\nHowever, if we cancel for any reason other than non-payment of premium, written notice of cancellation must be mailed at least thirty (30) days\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 48 of 56\n\n\n\nbefore the effective date of cancellation. Your premium refund, if any, will be pro rata. Proof of mailing notice as mentioned above shall be sufficient proof of notice. The effective date and hour of cancellation stated in the notice shall become the end of the Policy Period.\n\n**L. Non-Renewal.** If we elect not to renew this policy, we shall mail to you at the last address known to us written notice of non-renewal not less than thirty (30) days before the end of the Policy Period as stated on the Declarations Page. Regardless, this policy will terminate at the end of the Policy Period stated on the Declarations Page if you have failed to discharge when due any of your obligations in connection with the payment of premium for the renewal of this policy, or if you have notified us or our agent that you do not which\n\nthis policy to be renewed. Proof of mailing of notice mentioned above shall be sufficient proof of notice.\n\n**M. Transfer of Control.** You may take over control of any outstanding claim or suit previously reported to us only if we both agree that you should, or if a court orders you to do so. If your limits are exhausted, we will notify you of all outstanding claims or suits so that you can take over control of the defense. We will help transfer control of the defense of any outstanding claim, and avoid a default judgment during the transfer of control to you. If we do so, we shall not waive or give up any of our rights. You shall pay all reasonable expense we incur for taking such steps after the limits have been exhausted.\n\nIncludes copyrighted material from Insurance Services Office, with its permission.\n\nIn Witness Whereof, we have caused this policy to be executed and attested, and if required by state law this policy shall not be valid unless countersigned by our authorized representative.\n\nAIG Property Casualty Company\n\nSecretary\n\n6072-03-00-0001167-0025-0033331 6072-03-00-0001 167-0025-0033331\n\nof 56\n\nEndorsement to Policy #: PCG 0017034504\n\n### **AMENDATORY ENDORSEMENT - NEW YORK**\n\nWith respect to coverage provided by this endorsement, all provisions and conditions of the policy apply unless they are changed by this endorsement.\n\nPART I - DEFINITIONS is amended to include the following:\n\n**Disparate Impact Discrimination** means the result of disparities between or among groups or individuals, based upon statistical or other numerical profiles, sufficient to support a finding of discrimination. Such disparities must result in a violation of a person's civil rights with respect to that person's race, color, national origin, religion, gender, marital status, age, sexual orientation or preference, physical or mental condition, or any other protected class or characteristic established by any federal, state or local statues, rules or regulations.\n\n> **Disparate impact discrimination** also includes the employer's vicarious liability for the discriminatory act of an employee, even though the employer:\n\n- **1.** Played no active role in the commission of the act;\n- **2.** Did nothing to aid or encourage the commission of such act; and\n- **3.** May have done all it possibly could to have prevented such act.\n\nPART I - DEFINITIONS, **Wrongful Employment Act** is deleted and replaced with the following:\n\n**Wrongful** means actual or alleged employment related **wrongful termination, sexual harassment** or **Employment Act disparate impact discrimination.**\n\nPART VII - CONDITIONS, is amended to include the following:\n\n#### **Suit Against Us**\n\nThe following provisions are added:\n\n**5.** If we deny coverage or do not admit liability for damages because of **bodily injury** caused by an **occurrence** because an **insured person** or the injured person, someone acting for the injured person or other claimant fails to give us or any of our agents in this state notice as soon as is practicable, then the injured person, someone acting for the injured person or other claimant may bring an action against us, in which the sole question is whether the denial of coverage or nonadmission of liability based on the failure to provide notice as soon as is practicable.\n\nHowever, the injured person or someone acting for the injured person may not bring an action if, within 60 days after we deny coverage or do not admit liability for damages because of **bodily injury, we or an insured:**\n\n- **a.** Brings an action to declare the rights of the parties under the policy; and\n- **b.** Names the injured person, someone acting for the injured person or other claimant as a party to the action.\n- **6.** If we fail to pay for damages because of **bodily injury** or **property damage** caused by an **occurrence** within 30 days after serving of notice of entry of judgment upon the **insured person** and us, then an action may be maintained against us for the amount of the judgment, up to the Limit of Liability. However, this does not apply during a stay or limited stay of execution against the **insured person** on such judgment.\n\n\n\nPART VII - CONDITIONS, Cancellation is deleted and replaced by the following:\n\n**Cancellation.** You may cancel this policy by mailing or delivering to our agent, or to us, advance notice of the date on which the cancellation is to take effect, and returning your copy of the policy to us. Your premium refund, if any, will be pro rata.\n\nWe may cancel by mailing to you, at the last mailing address known to us, written notice stating when cancellation will be effective.\n\n#### Nonpayment\n\nIf the policy is cancelled by us due to your failure to discharge when due any of your obligation in connection with the payment of premium for this policy or any premium installment, whether payable directly to us or our agent or indirectly under any premium finance plan or extension of credit, written notice of cancellation must be mailed at least nineteen ( 19) days prior to the effective date of such cancellation.\n\n#### Policies in Effect 60 Days or Less\n\nWhen this policy has been in effect for less than 60 days and is not a renewal with us, we may cancel for any reason, other than nonpayment of premium, by letting you know at least 34 days before the effective date of cancellation.\n\nPolicies in Effect For More Than 60 Days\n\nWhen this policy has been in effect for 60 days or more, or at any time is a renewal with us, we may cancel for any of the following reasons, other than nonpayment of premium, by written notice of cancellation, in accordance with Section 3425, by notifying you at least thirty-four (34) days before the effective date of cancellation:\n\n- **1.** Conviction of a crime arising out of acts increasing the hazard insured against;\n- **2.** Discovery of fraud or material misrepresentation in obtaining the policy or in the presentation of a claim thereunder;\n- **3.** Discovery of willful or reckless acts or omissions increasing the hazard insured against;\n- **4.** Physical changes in the property insured occurring after issuance or last annual anniversary date of the policy which result in the property becoming uninsurable in accordance with our objective, uniformly applied underwriting standards in effect at the time the policy was issued or last voluntarily **renewed; or**\n- **5.** A determination by the Superintendent of Insurance that the continuation of the policy would violate or would place us in violation of the New York Insurance Law.\n\nProof of mailing of notice as mentioned above shall be sufficient proof of notice. The effective date and hour of cancellation stated in the notice shall become the end of the Policy Period.\n\n#### Conditional Renewal\n\nFurther, if we have the right under Section 3425 to cancel this policy, we may in lieu of cancellation, condition continuation of this policy upon change of limits or elimination of any coverage not required by law, if written notice of our intention is mailed or delivered to you at the address shown in the policy at least twenty-five (25) days prior to the effective date of our decision.\n\nYour premium refund, if any, will be pro rata.\n\nPART VII - CONDITIONS, Non-Renewal is deleted and replaced by the following:\n\n**Non-Renewal.** If we elect not to renew or condition our renewal of this policy, we shall mail to you at the last address know to us written notice of non-renewal at least forty-five (45) but no more than (60) days before the end of the Policy Period as stated on the Declarations Page. The conditions may include, but are not limited to, amending the limits of liability or reducing coverage not required by law. We will state or include the reason for our action. Regardless, this policy will terminate at the end of the Policy Period as stated on the Declaration Page if you have failed to discharge when due any of your obligations in connection with the payment of premium for the renewal of this policy, or if you have notified us or our agent that you do not wish this policy to be renewed. Proof of mailing of notice mentioned above shall be sufficient proof of notice.\n\n~\n\n6072-03-00-0001 167-0027-0033333 6072-03-00-0001167-0027-0033333\n\n### Case 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 55 of 56\n\n### The following provisions are also added to the policy:\n\n#### FAILURE TO GIVE NOTICE WITHIN PRESCRIBED TIME:\n\nFailure to give any notice of **claim** required to be given by such policy within the prescribed time shall not invalidate any **claim** made by the **Insured Person** or by any injured party or other claimant, unless the failure to provide timely notice has prejudiced the insurer. However, such failure to give notice of **claim** shall not invalidate any **claim** made by the **Insured Person** or by any injured party or other claimant if it shall be shown not to have been reasonably possible to give notice within the prescribed time and that notice was given as soon as was reasonably possible.\n\n#### NOTICE TO AGENT:\n\nNotice given by or on behalf of the **Insured Person,** or written notice by or on behalf of the injured party or any other claimant, to any licensed agent of the Insurer in the state of New York, with particulars sufficient to identify the **Insured Person,** shall be deemed notice to the Insurer.\n\nIncludes copyrighted material from Insurance Services Office, Inc. with its permission.\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 56 of 56\n\n6072-03-00-0001 6072-03-00-0001167-0028-0033334 167-0028-0033334","body_zh":"保险副本 0017034504 0051997 03/06/2023\n\n0001167 **06SP2.460 \\'SNGLP T 607210166 -C03-P01168-I*\n• 1 11 • 111 I 1 • 11 Ill I 1 • 11 • 111111 11 111 • • 11 1 • 1 11 • 1111 1111 1 • 1 • 111 1111 I I 1\n\nGenever Holdings LLC（杰尼弗控股有限责任公司） Luc A Despins（吕克·A·德斯平斯） 保罗·黑斯廷斯律师事务所（Paul Hastings LLP）第11章受托人 200 Park Ave New York NY 10166\n\nAIG Property Casualty Company（美国国际集团财产意外保险公司）（出单公司名称）\n保单通知（请参阅经修订的保险声明页）\n\n您的保险声明页一目了然地列示您享有的保险保障及保费。您的保险声明页构成您保单的一部分。请仔细阅读您的保单，包括您的保险声明页及任何随附批单，以了解您的保险保障说明。\n\n保单号码：PCG 0017034504\n\n被保险人姓名及邮寄地址：Genever Holdings LLC（杰尼弗控股有限责任公司） Luc A Despins（吕克·A·德斯平斯） 保罗·黑斯廷斯律师事务所第11章受托人 200 Park Ave New York, NY 10166 USA\n\n保险期间：03/06/2023 - 03/06/2024，于上述所示您邮寄地址所在地标准时间上午12:01起。\n\n代理机构名称、地址、电话号码及代码：\n\nWolfson Insurance Brokerage, Inc.（沃尔夫森保险经纪公司） 358 Fifth Avenue, 8th Floor New York, NY 10001\n\n(212) 683-2622 - 0051997\n“任何应付保费将另行向您开具账单。”\n您的保单已变更\n\n生效日期：03/16/2023\n\n变更摘要：修改邮寄地址\n\n年度保费变更：\n\n经修订年度保费：$1,000.00\n\n批单保费收费：$0.00 自：03/16/2023 至：03/06/2024\n\nPEL - CHGN (07/01)\n\n~\n\n案件 22-50073 文件 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第5页，共\n\nAIG Private Client Group（美国国际集团私人客户集团）\nAIG Property Casualty Company（美国国际集团财产意外保险公司）（出单公司名称）\n\n批单生效日期：03/16/2023\n保险声明页\n\n您的保险声明页一目了然地列示您享有的保险保障及保费。您的保险声明页构成您保单的一部分。请仔细阅读您的保单，包括您的保险声明页及任何随附批单，以了解您的保险保障说明。\n被保险人姓名及邮寄地址\n\nGenever Holdings LLC（杰尼弗控股有限责任公司） Luc A Despins（吕克·A·德斯平斯） 保罗·黑斯廷斯律师事务所第11章受托人 200 Park Ave New York, NY 10166 USA\n\n保单号码 保险期间 03/06/2023 - 03/06/2024\n\nPCG 001 7034504 于下述所示您邮寄地址所在地标准时间上午12:01起\n代理机构名称、地址、电话号码及代码\n\nWolfson Insurance Brokerage, Inc.（沃尔夫森保险经纪公司） 358 Fifth Avenue, 8th Floor New York, NY 10001\n\n(212) 683-2622 - 0051997\n任何应付保费将向您开具账单。\nA. 个人超额责任保险限额\n\n超额无保险／保险不足机动车驾驶人限额\n\n$10,000,000\n\n$ 不适用\nB. 有限雇佣惯例责任限额\n\n每项不当雇佣行为年度累计免赔额\n\n- $ 不适用\n- $ 不适用\n- $ 不适用\n所需基础保险 最低所需基础保险限额 1．个人责任、房主保险或综合个人责任 人身伤害／财产损失合并单一限额 每次事故$300,000 2．私人乘用汽车及持牌休闲车辆 无保险／保险不足机动车驾驶人保障 人身伤害和财产损失或合并单一限额：人身伤害和财产损失或合并单一限额：每人身体伤害$250,000 每次事故身体伤害$500,000 每次事故财产损失$ 25,000 每次事故$300,000 每人身体伤害$250,000 每次事故身体伤害$500,000 每次事故财产损失$ 25,000 每次事故$300,000\n\n~\n\n6072-03-00-0001 167-G003-0033309 6072-03-00-0001167-0003-0033309\n\nAIG Property Casualty Company（美国国际集团财产意外保险公司）（出单公司名称）\n\n批单生效日期：03/16/23\n\nAIG Private Client Group（美国国际集团私人客户集团）\n个人超额责任保险声明页——续页\n保单号码 PCG 0017034504\n\n保险期间 03/06/2023 - 03/06/2024\n\n于下述所示您邮寄地址所在地标准时间上午12:01起\n\n所需基础保险：续 最低所需基础保险限额\n\n3．船舶\n小于26英尺且小于50马力 合并单一限额：每次事故$300,000\n26英尺或以上或超过50马力 合并单一限额：每次事故$500,000\n4．无牌休闲车辆 人身伤害和财产损失或\n合并单一限额：每次事故$300,000\n5．雇主责任 合并单一限额 每次事故$100,000\n表格及批单：\n\nPEL-AENY (01 /09), PCG-DESNOT-NY (02/21 ), PEL (08/01 ), PEL-DEC1 (12/05), PEL-SCHED (05/10), PEL-EPLI (07/01), PCG-CL NO (06/06), PCG-FEENOTICE (08/18), 91222 PCG (09/16), PEL-CHGN (07/01), PCG-PRIVNOT (09/21), PEL-OF AC (05/22)\n\n保费总额 $1,000.00\n\n案件 22-50073 文件 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第8页，共56页\n\n~ ~\n\nAIG Private Client Group（美国国际集团私人客户集团）\nAIG Property Casualty Company（美国国际集团财产意外保险公司）\n\n（出单公司名称）\n保单号码：PCG 0017034504 基础保险明细表\n房主保险\n\n地点 承保公司\n781 Fifth Avenue\n18th Floor\nNew York, NY 10022 AIG - Private Client Group（美国国际集团私人客户集团）\n2 781 Fifth Avenue Apt, #2219\nNew York, NY 1 0022 AIG - Private Client Group（美国国际集团私人客户集团）\n3 781 Fifth Avenue Apt, #719\nNew York, NY 10022 AIG - Private Client Group（美国国际集团私人客户集团）\n私人乘用汽车及持牌休闲车辆\n说明\n\n承保公司\n\n无\n\n无牌休闲车辆\n\n说明 无\n\n承保公司\n\n游艇及个人水上交通工具\n\n说明 无\n\n承保公司\n\n案件 22-50073 文件 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第10页，共56页\n\n6072-03-00-0001167-0005-0033311 $§072-03-00-0004 167-0005-003331 1\n\nAMERICAN INTERNATIONAL GROUP, INC. (AIG)（美国国际集团）如何处理您的\n个人信息？\n\n金融公司自行决定如何共享您的个人信息。联邦\n法律赋予消费者限制某些共享行为的权利，但并非限制所有共享行为。联邦法律还\n要求我们告知您我们如何收集、共享和保护您的个人\n信息。请仔细阅读本通知，以了解我们如何处理。\n我们收集和共享的个人信息类型取决于您向我们购买的\n产品或服务。该等信息可能包括：\n• 社会保障号码和医疗信息\n• 收入和信用记录\n• 付款记录和就业信息\n当您不再是我们的客户后，我们仍将按照本通知所述共享您的\n信息。\n所有金融公司均需共享客户的个人信息，以开展\n其日常业务。在下列部分中，我们列明金融\n公司可以共享客户个人信息的原因；AIG\n\n选择共享的原因；以及您是否可以限制该等共享。\n\n我们可以共享您个人信息的原因 AIG是否共享？ 您是否可以限制\n该等共享？\n\n用于我们的日常业务目的——例如处理\n您的交易、维护您的账户、回应法院\n命令和法律调查、进行包括\n数据分析在内的研究，或向征信机构报告 是 否\n用于我们的营销目的——\n向您提供我们的产品\n和服务 是 否\n与其他金融公司进行联合营销 是 否\n用于我们关联方的日常业务目的——\n有关您的交易和经历的信息 是 否\n用于我们关联方的日常业务目的——\n有关您信用状况的信息 否 我们不共享\n供非关联方对您进行营销 否 我们不共享\n\n有疑问？对于AIG保险公司：致电866-244-4786；传真：212-458-7081，或发送电子邮件至：CIPrivacy@aig.com\n\n对于由AIG保险公司出售的宠物保险：致电866-937-7387，或发送电子邮件至：\nCIPrivacy@aig.com\n\n对于LiveTravel, Inc.（LiveTravel公司）、Travel Guard Group, Inc.（旅行卫士集团公司）或AIG Travel Assist, Inc.（AIG旅行协助公司）：致电866-244-4786，或发送电子邮件至：CIPrivacy@aig.com\n\n共56页\n\n我们是谁\n谁提供本通知？ American International Group, Inc. (AIG)（美国国际集团）旗下承保财产意外、\n意外与健康、人寿保险及相关服务的保险公司子公司，以及下列AIG\n特定营销子公司。\n我们做什么\nAIG如何保护我的\n个人信息？ 为保护您的个人信息免遭未经授权的访问和使用，我们\n采取符合联邦法律的安全措施。这些措施包括\n计算机防护措施及安全的文件和建筑物。我们仅限经培训可处理\n非公开个人信息的雇员、代表、代理人或指定第三方\n访问。\nAIG如何收集我的\n个人信息？ 我们收集您的个人信息，例如当您\n• 申请保险或支付保险费时\n• 提出保险索赔或向我们提供您的收入信息时\n• 提供就业信息时\n我们还从他方收集您的个人信息，例如征信机构、\n关联方或其他公司。\n为什么我不能限制所有共享？ 联邦法律赋予您仅限制以下共享行为的权利：\n• 关联方为日常业务目的共享有关您\n信用状况的信息\n• 限制关联方使用您的信息向您营销\n• 限制非关联方为向您营销而进行的信息共享\n州法律和个别公司可能赋予您额外的限制\n共享的权利。有关您根据州法律享有权利的更多信息，请参见下文。\n定义\n关联方 由共同所有权或控制权关联的公司。其可以是金融\n公司或非金融公司。\n• 我们的关联方包括American International Group,\nInc.（美国国际集团）的成员公司，例如National Union Fire Insurance Company of Pittsburgh Pa.（匹兹堡宾夕法尼亚州国民联合火灾保险公司）。\n非关联方 未由共同所有权或控制权关联的公司。其可以是\n金融公司或非金融公司。\n• AIG不会与非关联方共享信息，以供其向您进行营销。\n联合营销 非关联金融公司之间共同向您营销金融产品或服务的\n正式协议。\n• 我们的联合营销合作伙伴包括我们共同提供\n保险产品的公司，例如银行。\n其他重要信息\n\n本通知由American Home Assurance Company（美国住房保障公司）；AIG Assurance Company（美国国际集团保障公司）；AIG Property Casualty Company（美国国际集团财产意外保险公司）；AIG Specialty Insurance Company（美国国际集团专业保险公司）；Commerce and Industry Insurance Company（商业及工业保险公司）；Granite State Insurance Company（花岗岩州保险公司）；Illinois National Insurance Co.（伊利诺伊国民保险公司）；Lexington Insurance Company（列克星敦保险公司）；AIU Insurance Company（AIU保险公司）；National Union Fire Insurance Company of Pittsburgh, Pa.（匹兹堡宾夕法尼亚州国民联合火灾保险公司）；National Union Fire Insurance Company of Vermont（佛蒙特州国民联合火灾保险公司）；New Hampshire Insurance Company（新罕布什尔保险公司）；The Insurance Company of the State of Pennsylvania（宾夕法尼亚州保险公司）；（统称“AIG Insurance Companies（AIG保险公司）”）提供。本通知亦由AIG的特定营销子公司提供，包括Morefar Marketing, Inc., LLC（Morefar营销有限责任公司）、Travel Guard Group, Inc.（旅行卫士集团公司）、AIG Travel Assist, Inc.（AIG旅行协助公司）和LiveTravel, Inc.（LiveTravel公司）；该等公司向消费者营销保险或非保险产品及服务。\n\n仅适用于佛蒙特州居民。除非您授权我们作出该等披露，否则，除佛蒙特州法律允许的情形外，我们不会向关联方披露有关您信用状况的信息，亦不会向非关联第三方披露您的个人信息、财务信息、信用报告或健康信息以向您进行营销。有关我们隐私政策的更多信息，可使用上述“有疑问？”项下的联系信息获取。\n\n仅适用于加利福尼亚州居民。除加利福尼亚州法律允许的情形外，例如为处理您的交易或维护您的账户，我们不会与非关联第三方共享我们收集的有关您的信息。\n案件 22-50073 文件 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第13页，共56页\n\n仅适用于内华达州居民。我们根据内华达州法律提供本通知。您可按上文所列方式联系我们，选择被列入我们的内部“拒绝来电”名单。内华达州法律还要求我们向您提供以下联系信息：Bureau of Consumer Protection, Office of the Nevada Attorney General（内华达州总检察长办公室消费者保护局），555 E. Washington Street, Suite 3900, Las Vegas, NV 891 D1；电话号码：702-486-3132；电子邮件：aginfo@ag.nv.gov。您可以使用上述联系信息联系相应客户服务部门，或致函Privacy Officer（隐私官），1271 Ave of the Americans, FL 37, New York, NY 10020- 1304。\n\n您有权查阅并在必要时更正个人数据。这要求提交书面请求，既用于查阅您的个人数据，也用于请求更正。如果我们不同意您的更正意见，我们无需变更我们的记录，但会将您的陈述置入我们的档案。如您希望获得对我们信息处理做法及您权利的更详细说明，请致函：Privacy Officer, CIPrivacy@aig.com。\n\n共 56 页\n\nAIG Private Client Group（AIG 私人客户集团）\n通知 通知\n如需申报索赔，请联系： 如需申报索赔，请联系：\n+ 1-888-760-9195 + 1-888-760-9195\n本批单变更保单。请仔细阅读。\n经济制裁批单\n\n第 VII 部分——条件，A. 保单期间和地域条款全文删除，并以下列内容替换：\n\nA. 保单期间和地域。保单期间载明于声明页。本保单适用于：\n1. 在世界任何地方发生的事故；或\n2. 在世界任何地方发生的不当雇佣行为或不当行为，但仅限于就该等不当雇佣行为或不当行为在美利坚合众国、其领地或属地提出索赔或董事及受托人索赔并提起诉讼的情形。\n\n但是，若提供该等保险保障、支付该等索赔或提供该等利益将使保险人、其母公司或其最终控制实体受到联合国决议，或欧洲联盟、英国或美利坚合众国的贸易或经济制裁、法律或法规项下的任何制裁、禁止或限制，则保险人不应被视为提供保险保障，且保险人不应在本批单项下就该等范围支付任何索赔或提供任何利益。\n\n~\n\n6072-03-00-0061 167-0009-0033315 6072-03-00-0001167-0009-0033315 案件 22-50073 文书 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第 19 页\n\n关于您的保单的重要通知\n\n共 56 页\n除非已选择全额付款，否则您的保单将按每期收取分期付款手续费。该\n\n费用金额已在您的账单中披露。\n\n分期付款手续费\n\n案件 22-50073 文书 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第 20 页，共 56 页\n\n6072-03-00-0001167-0010-0033316 6072-03-00-0001167-0010-0033316\n\n案件 22-50073 文书 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第 21 页，共 56 页\n\n致纽约州老年保单持有人的重要通知\n\n年满六十五周岁或以上的被保险人可以向保险人提出书面请求，指定一名受指定人接收取消及不续保通知。如因任何原因向记名被保险人发送取消或不续保通知，记名被保险人的受指定人也将收到该通知的副本。\n\n纽约州法律要求，老年被保险人向保险公司发出的告知第三方指定的通知，应包括该第三方受指定人的书面接受声明。该通知必须通过要求回执的挂号信寄送至公司，地址如下：\n\nAIG Property Casualty Company（AIG 财产意外保险公司） 收件人：客户服务部 1271 Avenue of the Americas New York, NY 10020\n\n如您希望指定第三方受指定人，请在下方提供该受指定人的信息。请签署您的姓名，并请受指定人亦提供其签名。\n\nI 保单号码：PCG 0017034504\n\n签名：______________\n\n指定为第三方不构成对任何责任的承认。如您在任何时候希望终止本受指定人协议，您必须向公司及老年被保险人双方发送书面通知。\n\n受指定人姓名：\n\n地址：\n城市： 州： I\n邮政编码\n\n（受指定人签名） （日期）\n\n被保险人副本\n\n案件 22-50073 文书 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第 22 页，共 56 页\n\n案件 22-50073 文书 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第 23 页，共 56 页\n\n致纽约州老年保单持有人的重要通知\n\n年满六十五周岁或以上的被保险人可以向保险人提出书面请求，指定一名受指定人接收取消及不续保通知。如因任何原因向记名被保险人发送取消或不续保通知，记名被保险人的受指定人也将收到该通知的副本。\n\n纽约州法律要求，老年被保险人向保险公司发出的告知第三方指定的通知，应包括该第三方受指定人的书面接受声明。该通知必须通过要求回执的挂号信寄送至公司，地址如下：\n\nAIG Property Casualty Company（AIG 财产意外保险公司） 收件人：客户服务部 1271 Avenue of the Americas New York, NY 10020\n\n如您希望指定第三方受指定人，请在下方提供该受指定人的信息。请签署您的姓名，并请受指定人亦提供其签名。\n\nI 保单号码：PCG 0017034504\n\n签名：______________\n\n指定为第三方不构成对任何责任的承认。如您在任何时候希望终止本受指定人协议，您必须向公司及老年被保险人双方发送书面通知。\n\n受指定人姓名：\n\n地址：\n城市： 州： I\n邮政编码\n\n（受指定人签名） （日期）\n\n公司副本\n\n6072-03-00-0001 167-001 2-0033318 6072-03-00-0001167-0012-0033318 保单 # PCG 0017034504 的批单\n\n保单期间：03/06/2023 - 03/06/2024\n个人超额责任保险保单\n雇佣惯例责任除外条款\n\n就本批单提供的保险保障而言，除非本批单作出变更，否则保单的所有条款及条件均适用。\n\n双方同意并理解，为降低保费，作出以下修订：\n\n第 I 部分——定义，修订如下：\n\n私人工作人员、临时工作人员、租赁工作人员及短期工作人员的定义予以删除。\n\n第 II 部分——承保内容，修订如下：\n\nB. 节“有限雇佣惯例责任保险保障”予以删除。\n\n第 III 部分——限额，修订如下：\n\nC. 节“有限雇佣惯例责任保险保障”予以删除。\n\n第 IV 部分——抗辩保险保障及索赔费用，修订如下：\n\nA. 节中对“或有限雇佣惯例责任保险保障”的提述予以删除。C.2. 节予以删除。\n\n第 V 部分——不承保事项——除外责任，修订如下：\n\nA. 节中对“及有限雇佣惯例责任保险保障”的提述予以删除。C. 节予以删除。\n\n第 VI 部分——您的义务，修订如下：\n\nB. 节中对“或不当雇佣行为”的提述予以删除。\n\n第 VII 部分——条件，修订如下：\n\nA. 节“保单期间和地域”予以删除，并以下列内容替换：\n\nA. 保单期间和地域。保单期间载明于声明页。本保单适用于在世界任何地方发生的事故。\n\n共 56 页\n\nAIG Private Client Group（AIG 私人客户集团）\n保单持有人通知\n\n感谢您向 American International Group, Inc.（美国国际集团公司，AIG）的成员公司购买保险。AIG 成员公司通常向经纪人和独立代理人支付报酬，并可能已就您的保单支付报酬。您可以通过访问我们的网站 www.aig.com/producer-compensation 或致电 1-800-706-3102，查阅并获取有关 AIG 成员公司在美国向经纪人和独立代理人支付报酬的性质和范围的信息。\n\n~w\n\n6072-03-00-0001 167-0014-0033320 6072-03-00-0001167-0014-0033320\n\nAIG Private Client Group\n您的个人超额责任保险保单\n快速参考\n\n声明页\n\n您的姓名和地址 保单期间 保单限额 保费 所需表格 承保地点、车辆及船舶的基础保险及其限额 基础保险明细表\n保险保障由声明页中列明的美国国际集团成员公司提供。各公司均为股份公司。\n\n保单条款 起始页码\n\n第 I 部分\n定义 2\n第 II 部分\n承保内容 3\n第 III 部分\n限额 5\n第 IV 部分\n抗辩保险保障及索赔费用 6\n第 V 部分\n不承保事项——除外责任 7\n第 VI 部分\n您的义务 9\n第 VII 部分\n条件 10\n\n本合同连同声明页及批单（如有）构成完整保单。\n\n共 56 页\n本保单如无声明页即不完整\n个人超额责任保险保障·保单条款\n\n您声明页中列明的保险公司将提供本保单所述保险。您同意支付保费，并遵守本保单所述的您的责任。\n\n本保单中的各项条款限制或排除保险保障。请仔细阅读整份保单，以确定您的权利和义务，以及承保和不承保的事项。除非已完全遵守保单第 VI 部分“您的义务”和第 VII 部分“条件”，否则我们没有提供保险保障的义务。\n\n具有特殊含义的词语在此处或在保单中使用该等词语的部分予以定义。在整份保单中，已定义的术语在使用时将以粗体显示。\n\n在本保单中，“您”“您的”和“属于您的”是指声明页中列明的一人或多人，以及与其共同居住的配偶。“我们”“我方”“我们的”和“属于我们的”是指声明页中列明的保险公司。此外，在本保单中，下列词语的含义为：\n\n1. 航空器是指用于或设计用于飞行的任何装置，但不包括未用于或设计用于载运人员或货物的模型或业余飞行器。\n\n2. 汽车是指任何需要机动车登记或驾驶员许可的机动陆地车辆。这包括自行驱动的房车、摩托车以及附接的拖车或半挂车。\n\n3. 人身伤害是指身体上的实际伤害，包括由此导致的疾病或病症，以及所需护理、服务丧失或由此导致的死亡。\n\n4. 业务是指兼职或全职的商业、职业或专业，包括农业或牧场经营，但不包括附带业务。\n\n5. 损害赔偿是指为满足索赔所需的金额，无论该索赔是经我们和解或书面同意，还是通过司法审查解决。\n\n6. 歧视是指侵犯个人就其种族、肤色、国籍、宗教、性别、婚姻状况、年龄、性取向或偏好、身体或精神状况，或任何联邦、州或地方成文法、规则或法规所确立的其他受保护类别或特征而享有的民事权利。\n\n7. 雇佣危机是指针对您的私人工作人员实施的不当雇佣行为的指称，或您发现该等不当雇佣行为；该行为已经导致，或依您善意判断，有合理可能导致针对您或家庭成员提起民事诉讼。\n\n8. 家庭成员是指通过血缘、婚姻或收养关系与您有关联且与您共同居住的人，包括受监护人或寄养子女。\n\n9. 同式承保是指，本保单所提供的保障应在所要求的基础保险提供保障的范围内适用，并遵循所要求的基础保险的条款、定义、条件和除外责任。应付赔偿金超过所要求的基础保险因支付承保索赔而耗尽的部分。如所要求的基础保险保单的某项规定与本保单的某项规定相冲突，应适用本保单的规定。在任何情况下，本保单提供的保障均不得比所要求的基础保险保单所提供的保障更为广泛。\n\n10. 附带业务是指任何年度毛收入不超过 $10,000、不雇用受工伤赔偿或其他类似伤残法律约束的雇员，并且符合联邦、州及地方法律的业务活动。附带业务包括农业经营，但前提是该经营不涉及在保单期间雇用他人从事超过 1,250 小时的农场工作，且从饲养或照料动物或农业中取得的年度毛收入不超过 $25,000。附带业务包括您拥有并出租给他人的、列于声明页上的住宅。\n\n11. 附带工作人员是指由您雇用从事临时性工作的人员，例如保姆，每周工作少于 15 小时。\n\n12. 被保险人是指：\na. 您或家庭成员；\nb. 保单中列名的附加被保险人；或\nc. 经您或家庭成员许可使用本保单承保的车辆或船只的任何人员，就其因使用该车辆或船只而产生的法律责任而言。\n\n案件 22-50073 文件 1787-14 提交 05/12/23 录入 05/12/23 16:37:59 第 32 页，共 56 页\n\n6072-03-00-0001167-0016-0033322 6072-03-00-0001 167-0016-0033322\n\n13. 租赁工作人员是指由某公司根据您与该公司之间的协议雇用，以履行与您家庭、个人或附带业务经营相关职责的人员。\n\n14. 事故是指：\na. 在保单期间首次导致人身伤害或财产损失的事故，包括持续或反复暴露于实质上相同的一般有害条件；或\nb. 在保单期间实施并导致人身伤害的违法行为，包括一系列相关违法行为。\n\n15. 人身伤害是指下列伤害或由此导致的死亡：\na. 身体伤害；\nb. 非法拘禁、非法监禁或非法逮捕；\nc. 惊吓、精神痛苦、精神损害；\nd. 侵犯隐私；\ne. 诽谤、书面诽谤或口头诽谤；\nf. 恶意起诉；\ng. 非法进入或驱逐；或\nh. 为保护人员而故意实施的攻击和殴打。\n\n16. 私人工作人员是指由您雇用以履行与您的住宅事务、个人事务或附带业务有关职责的个人。私人工作人员的劳动或服务由您聘用、指挥并获得报酬。私人工作人员包括临时工作人员，包括全职或兼职租赁工作人员。独立承包人和附带工作人员不被视为私人工作人员。全职是指由您经常雇用、每周工作 30 小时或以上；兼职是指由您经常雇用、每周工作少于 30 小时但超过 15 小时。\n\n17. 财产损失是指有形财产的实际损害、毁坏或丧失使用，以及由此产生的使用损失。\n\n18. 娱乐性机动车是指：\na. 设计用于公共道路以外且无需机动车登记或操作人许可的机动陆地车辆；\nb. 在您住所处封存停放的机动陆地车辆；或\nc. 仅在声明页所示地点上使用并\nd. 用于为该地点提供服务的机动陆地车辆。\n\n19. 性骚扰是指不受欢迎的性挑逗、索取性好处，或其他具有性性质的言语、视觉或身体行为，在该行为：\na. 与影响个人就业的决定相联系；\nb. 干扰个人的工作表现；或\nc. 为个人造成恐吓性、敌意性或冒犯性的工作环境时。\n\n20. 临时工作人员是指被提供给您以替代休假中的固定私人工作人员，或满足季节性或短期工作量需要的人员。\n\n21. 船只是指设计用于水上、水面或水下使用的船舶或艇具；\n\n22. 非法雇佣行为是指实际发生或被指称发生的与雇佣有关的非法解雇、性骚扰或歧视。\n\n23. 非法解雇是指：\na. 在终止雇佣关系时，侵犯您的私人工作人员的权利，但不包括基于明示的书面或口头雇佣协议所产生的权利；或\nb. 您或家庭成员在终止雇佣关系时未履行应有的职责和注意义务。\n\n第二部分：承保内容\n\nA. 超额责任\n\n1. 承保协议\n\n对于世界任何地点发生的、由本保单承保的事故所造成的人身伤害或财产损失，如被保险人依法负有支付赔偿金的义务，我们将支付该赔偿金：\n\na. 超过所要求的基础保险承保的赔偿金或最低所要求基础限额，以较高者为准；或\nb. 在所要求的基础保险存在下列情形时，自赔偿金的第一美元起：\n1) 基础保险存在，但其保障不适用于特定事故；或\n2) 本保单不要求基础保险，且不存在基础保险。\n\n2. 超额无保险及保险不足机动车保护保障\n\n本保障仅在声明页列明超额无保险/保险不足机动车限额时生效：\n\na. 超额无保险及保险不足机动车保护保障\n\n案件 22-50073 文件 1787-14 提交 05/12/23 录入 05/12/23 16:37:59 第 34 页，共 56 页\n\n6072-03-00-0001167-0017-0033323 6072-03-00-0001 167-001 7-0033323\n\n如被保险人在保单期间因事故遭受身体伤害，且依法有权向无保险或保险不足汽车的所有人或驾驶人获得赔偿，我们承保该等身体伤害赔偿金。我们承保超过基础保险或最低所要求基础限额的该等赔偿金，以较高者为准。\n\n本保障将同式承保。\n\nb. 超额无保险/保险不足机动车保护仲裁\n1) 如我们与被保险人对下列事项无法达成一致：\na) 该被保险人是否依法有权向无保险或保险不足汽车的所有人或驾驶人请求赔偿金；或\nb) 该被保险人可获得赔偿金的金额；\n\n任何一方均可书面要求仲裁。\n\n双方均须同意仲裁。如请求金额为 $40,000 或以下，应由一名中立仲裁员解决。如请求金额超过 $40,000，各方将各自选择一名仲裁员，两名仲裁员将选择第三名仲裁员。如其在 30 日内无法达成一致，任何一方均可请求由有管辖权法院的法官作出该项选择。\n\n2) 各方将：\na) 支付其自行发生的费用；并且\nb) 平均承担第三名仲裁员的费用。\n\n3) 除非双方另有约定，仲裁将在被保险人居住所在县进行。有关程序和证据的地方法律规则应适用。\n\n两名仲裁员一致同意的决定将对下列事项具有约束力：\na) 被保险人是否依法有权获得赔偿金；以及\nb) 赔偿金金额。此项规定仅在金额不超过承保汽车主要停放所在州财务责任法规定的身体伤害责任最低限额时适用。如金额超过该限额，任何一方均可要求进行审判。该要求必须在仲裁员作出决定后 60 日内提出。如未提出该要求，\n\n仲裁员同意的赔偿金金额将具有约束力。\n\n本规定取代任何基础保险保单中的任何仲裁规定。\n\n在任何情况下，仲裁裁决不得超过声明页所示的超额无保险/保险不足被保险限额。\n\n本规定不适用于有关超额无保险/保险不足机动车保护保障适用的任何争议。有关保障的任何争议应由有管辖权的法院解决。\n\n3. 附加保障\n\na. 租用或借用汽车保障\n\n对于保单期间因被保险人使用租用或借用的汽车而发生事故所造成的身体伤害或财产损失，如被保险人依法负有支付赔偿金的义务，我们承保该赔偿金，但租期或借用期不得超过 45 日。\n\n对于适用于该等赔偿金的任何基础保险，我们将提供超额保障。如不存在基础保障，我们将支付全部赔偿金。\n\n本保障不承保被保险人依法有权向无保险或保险不足汽车的所有人或驾驶人获得的赔偿金。\n\nb. 有限住宅场所业务责任\n\n如被保险人在声明页所示住宅内合法从事商业或专业活动，且因该住宅的物理状况引起人身伤害或财产损失，对于被保险人依法负有支付义务的赔偿金，我们予以承保。本保障仅在以下条件下适用：\n\n1) 您在住所内从事业务活动的雇员中，没有任何人受工伤赔偿或其他类似伤残法律约束；\n2) 您不是家庭日托服务提供者；并且\n3) 不存在其他有效且可收取的保险。\n\n对于适用于该等赔偿金的任何基础保险，我们将提供超额保障。如不存在基础保障，我们将支付全部赔偿金。\n\nc. 新购置的汽车和船只\n\n1) 对于新购置的汽车，如您在成为所有人后 365 日内通知我们，就被保险人因事故造成的身体伤害或财产损失依法负有支付义务的赔偿金，我们予以承保。收到通知后，我们保留不继续承保该汽车的权利。\n\n2) 对于新购置的船只，如您向我们提供下列通知，就被保险人因事故造成的身体伤害或财产损失依法负有支付义务的赔偿金，我们也予以承保：\na) 对于长度不足 26 英尺且马力不足 50 的船只，在您成为所有人后 365 日内通知我们；以及\nb) 对于长度为 26 英尺或以上或马力为 50 或以上的船只，在您成为所有人后 45 日内通知我们；您须自购置之日起支付额外保费。\n\n收到通知后，我们保留不继续承保该船只的权利。\n\n对于适用于该等赔偿金的任何基础保险，我们将提供超额保障。如不存在基础保障，我们将支付全部赔偿金。\n\nd. 有限雇主责任\n\n对于不受工伤赔偿或类似法律赔偿且被保险人依法负有支付义务、因私人工作人员身体伤害而产生的赔偿金，我们将在任何基础保险之上提供超额保障。\n\nB. 有限雇佣惯例责任保障\n\n1. 本保障仅在声明页列明有限雇佣惯例责任保障限额时生效：\na. 承保协议\n\n对于因本保险适用的您的非法雇佣行为而产生、由您或家庭成员依法须支付给私人工作人员作为赔偿的赔偿金，我们将予以支付。本保障仅在以下条件下适用：\n\n1) 在保单期间起始日，私人工作人员人数不超过五 (5) 人；并且\n2) 非法雇佣行为发生于保单期间。\n\n因连续、重复或相关的不当雇佣行为而产生的所有不当雇佣行为，均应视为一项不当雇佣行为，并应视为发生于首次不当雇佣行为发生时。\n\nb. 附加保障\n雇佣危机基金\n\n我们承保因雇佣危机为尽量减少潜在损失而由危机管理公司提供服务所产生的合理费用及必要支出。危机管理公司是指任何公共关系公司、媒体管理顾问、调查公司或律师事务所。仅在符合下列条件时，本保障适用：\n\na. 该雇佣危机源于在保险期间内实施的不当雇佣行为；且\n\nb. 在您就该雇佣危机首次联系危机管理公司后，应尽快但无论如何不得迟于三十（30）日向我们报告该雇佣危机。\n\n发生雇佣危机后，如您从我们预先批准的危机管理公司名册中选择公司，则在与危机管理公司发生费用和支出前无需获得批准。如与任何未列入我们预先批准名册的危机管理公司发生费用和支出，则本保障的适用须经我们事先书面批准。\n\n我们支付的最高金额为危机管理公司在其告知我们雇佣危机不复存在前的费用和支出，或 $25,000，以较低者为准。无论保险期间内发生多少次雇佣危机，我们支付的最高金额均为 $25,000。该限额是在声明页所载有限雇佣行为责任限额之外的额外限额。本保障不适用免赔额。\n\nA. 超额责任保障\n\n对于任何一次事故中所有人身伤害和财产损失索赔，我们支付的最高金额为声明页所示的个人超额责任保险单限额。本保险分别适用于每一名被提出索赔或被提起诉讼的被保险人，但无论该事故涉及多少项保障、索赔、人员或汽车，对于任何一次事故，我们支付的金额不得超过该数额。在保险期间内，可就其提出索赔的事故次数不设限制。\n\n共 56 页\n\n6072-03-00-0001 167-0019-0033325 6072-03-00-0001167-0019-0033325\n\nB. 超额未保险/保险不足驾驶人保障\n\n在遵守上述个人超额责任保险单限额的前提下，对于任何一次事故，本保障项下我们就承保损害支付的最高金额为声明页所示的超额未保险/保险不足驾驶人保障限额，无论该事故涉及多少项索赔、人员或汽车。在保险期间内，可就其提出索赔的事故次数不设限制。\n\nC. 有限雇佣行为责任\n\n1. 限额\n\na. 年度累计限额\n\n对于保险期间内本保障项下所有索赔的全部损失总额，我们支付的最高金额为有限雇佣行为责任项下所示的“年度累计限额”。我们就此类索赔作出的每笔损失赔付款，均按该赔付款金额减少年度累计限额。该减少后的限额即为保险期间剩余期间内任何进一步索赔可获得的金额。\n\nb. 每项不当雇佣行为\n\n在年度累计限额的约束下，对于因任何一项不当雇佣行为或一系列相关行为而产生的所有索赔的全部损失，我们支付的最高金额为有限雇佣行为责任项下所示的“每项不当行为”限额。\n\n本保险分别适用于每一名被提出索赔或被提起诉讼的被保险人，但无论涉及多少项索赔或人员，我们支付的金额不得超过年度累计限额。\n\n2. 免赔额\n\n声明页所示的雇佣行为责任免赔额，应从因任何一项不当雇佣行为或一系列相关行为所致的损害赔偿金额中扣除，无论涉及多少项索赔或人员。\n\n适用免赔额不减少该限额。无论是否适用免赔额，有关索赔或诉讼的通知，以及我们调查和协商任何该等索赔或诉讼的权利，均适用。\n\n第四部分——抗辩保障及索赔费用\n\nA. 关于超额责任或有限雇佣行为责任：\n\n在下列情形下，我们将为被保险人就任何寻求本保险项下超额责任或有限雇佣行为责任所承保损害赔偿的诉讼进行抗辩：\n\n1. 基础保险已通过支付索赔而耗尽；或\n\n2. 没有适用的基础保险；\n\n即使诉讼中的指控毫无根据、虚假或欺诈，我们仍将自费提供该等抗辩。您可从我们选定的律师事务所名册中选择律师。如您所在地司法管辖区未设立名册律师，我们保留选择律师的权利。我们可自行决定调查和和解任何索赔或诉讼。\n\n此外，我们将支付：\n\na. 对任何被保险人裁定的全部法院费用及判决书相关支出；\n\nb. 被保险人应我们要求为协助我们调查或抗辩索赔或诉讼而产生的合理支出，总额最高为 $10,000；\n\nc. 因承保损失而要求被保险人提供的保释保证金费用；\n\nd. 就我们进行抗辩的诉讼所要求保证金的全部保费，但不包括超过保障金额的保证金金额（我们无需申请或提供任何保证金）；\n\ne. 我们产生的全部支出；\n\nf. 自判决书作出后至我们支付、提出支付，或向法院存入不超过保障金额的那部分判决金额之前，对全部判决金额产生的利息；以及\n\ng. 对被保险人裁定的、就我们支付或提出支付的那部分判决金额产生的全部判决前利息；对于我们提出支付保障金额后期间所产生的判决前利息，我们不予支付。\n\nB. 关于超额责任，适用以下规定：\n\n我们有权但无义务为任何被保险人就任何寻求本保险项下超额责任所承保、且亦由所需基础保险承保的损害赔偿诉讼进行抗辩。我们有权自费与被保险人或任何基础保险保险人的保险人共同参与调查、抗辩或和解任何我们认为可能需要根据本保险支付损失赔款的索赔或诉讼。我们不分担任何基础保险保险人产生的、该保险人有义务提供的费用和支出。\n\nC. 我们的抗辩义务终止时\n\n1. 关于超额责任\n\na. 我们就因任何一次事故引起的任何索赔或诉讼为被保险人进行抗辩的义务，于我们已就该事故支付的损害赔偿金额等于声明页所示个人超额责任保险单限额时终止。\n\nb. 除和解付款外，本条款项下的付款、抗辩保障和索赔费用，均是在声明页所示个人超额责任保险单限额之外的额外付款。\n\n2. 关于有限雇佣行为责任：\n\na. 我们就因任何一项不当雇佣行为或一系列相关行为引起的任何索赔或诉讼为被保险人进行抗辩的义务，于我们已就该等不当雇佣行为支付的损害赔偿金额达到声明页所示有限雇佣行为责任限额时终止。\n\nb. 除和解付款外，本条款项下的付款、抗辩保障和索赔费用，均是在声明页所示有限雇佣行为责任限额之外的额外付款。\n\nD. 扩展抗辩保障\n\n如我们正在为被保险人就任何寻求承保损害赔偿的诉讼进行抗辩，我们将向您赔付最高 $10,000，用于由您选择的律师事务所审查并就本保险项下承保抗辩提供咨询所产生的合理费用。本保障仅适用于自我们开始抗辩之日起产生的支出，且须已适用任何适用的免赔额。\n\n第五部分——不予承保事项——除外责任\n\nA. 关于超额责任和有限雇佣行为责任：\n\n本保险不为下列责任抗辩费用或任何其他费用或支出提供保障：\n\n1. 汽车或休闲机动车\n\n因下列事项的所有权、维护、使用、装载或卸载而产生：\n\na. 任何由被保险人拥有、租赁或经常使用的机动陆地车辆（汽车或休闲机动车除外）；或\n\nb. 任何未由基础保险承保或未列于本保险声明页的汽车或休闲机动车。\n\n本除外责任不适用于“租用或借用汽车”及“新购汽车和船舶附加保障”项下规定的承保损害赔偿。\n\n2. 飞行器\n\n因任何租赁给被保险人、由被保险人拥有或处于被保险人保管、监管或控制之下的飞行器的所有权、维护、使用、装载、卸载或牵引而产生，但由您或代表您包租且配有机组人员的非自有飞行器除外。\n\n3. 船舶\n\n因任何船舶的所有权、维护、使用、操作、装载或卸载而产生：\n\na. 长度不足 26 英尺且马力不足 50、由被保险人拥有、提供给被保险人或租赁给被保险人超过 365 日、且未列于声明页的船舶；\n\nb. 长度为 26 英尺或以上或马力为 50 或以上、由被保险人拥有、提供给被保险人或租赁给被保险人超过 45 日、且未列于声明页的船舶；\n\nc. 未由任何基础保险承保的船舶；或\n\nd. 用于任何商业或经营目的的船舶。\n\n但是，本除外责任第 c 项不适用于“新购汽车和船舶附加保障”项下规定的承保损害赔偿。\n\n4. 竞赛\n\n因使用汽车、休闲机动车、船舶或飞行器参加或练习竞技比赛而产生。但是，本除外责任不适用于本保险项下承保的帆船。\n\n5. 汽车服务\n\n因任何被保险人在受雇于或以其他方式从事下列业务期间使用汽车或该汽车的临时替代车辆而产生：\n\n销售；\n\na. 修理；\n\nb. 保养；\n\nc. 存放；\n\nd. 停放；\n\ne. 测试；或\n\nf. 交付\n\n主要设计用于公共高速公路的汽车。\n\n6072-03-00-0001167-G021-0033327 6072-03-00-0001167-0021-0033327\n\n6. 商业活动\n\n因被保险人的商业财产或商业活动、投资活动，或旨在为被保险人或他人实现利润的任何活动而产生。\n\n但是，本除外责任不适用于：\n\na. 为有组织的慈善、宗教或社区团体所做的志愿工作；\n\nb. 附带商业活动；或\n\nc. 有限住宅场所商业责任保障。\n\n7. 董事的错误或遗漏\n\n因任何被保险人作为任何公司或组织的高级职员或董事会成员所作出的行为、错误或遗漏而产生。本除外责任不适用于被保险人为非营利公司或组织所作出的行为，亦不适用于共管公寓或合作公寓协会。\n\n8. 专业服务\n\n因被保险人提供或未提供专业服务，或因任何被保险人依法负责或持有执照的专业服务而产生。\n\n9. 故意行为\n\n因任何人的任何犯罪性、故意、蓄意或恶意作为或不作为而产生。我们亦不承保任何人意图造成财产损失或人身伤害，或理性人预期会造成财产损失或人身伤害的作为或不作为所引起的索赔。即使该伤害或损失与预期或意图的伤害或损失在种类或程度上不同，或由不同的人遭受，本除外责任仍适用。如被保险人为保护任何人或财产而使用合理武力，本除外责任不适用于身体伤害。\n\n10. 管制物质\n\n因使用、销售、制造、交付、转让或持有《联邦食品和药品法》（Federal Food and Drug Law）21 U.S.C.A. Sections 811 and 812 所定义的管制物质而产生。但是，本除外责任不适用于个人遵照持证医师指示合法使用处方药。\n\n11. 战争\n\n由战争直接或间接造成，包括下列情形及其任何后果：\n\na. 未宣战战争、内战、暴动、叛乱或革命；\n\nb. 军队或军事人员的战争行为；或\n\nc. 为军事目的毁坏或扣押财产。\n\n即使属意外，核武器的发射亦应视为战争行为。\n\n12. 核\n\n由辐射、核反应或放射性核污染直接或间接造成。\n\n13. 分摊费用\n\n因被保险人作为协会、公司、业主共同体、共管公寓或合作社协会成员而被收取的任何分摊费用。\n\n14. 合同\n\n因下列事项产生的任何损害赔偿：\n\na. 与任何被保险人业务有关的合同或协议；\n\nb. 未书面订立的合同或协议；或\n\nc. 在损失发生后承接他人责任的合同或协议。\n\n15. 工伤赔偿或残疾\n\n被保险人依任何工人赔偿、残疾福利、《琼斯法》（Jones Act）或《一般海事法》（General Maritime Law）、失业赔偿、职业病或类似法律而依法有义务提供的任何损害赔偿或福利。\n\n16. 无保险／保险不足机动车驾驶人\n\n任何关于无保险机动车驾驶人、保险不足机动车驾驶人或无过错保险福利的索赔，除非本保单声明页所列“超额无保险／保险不足机动车驾驶人限额”载有一个限额金额。\n\n17. 被保险人\n\n本保单项下被保险人的人身伤害。\n\n18. 传染疾病\n\n因被保险人故意或非故意向任何人传播的任何疾病、病症或疾患而直接或间接导致的人身伤害。我们不承保因任何暴露威胁或因该疾病、病症或疾患造成的任何后果而产生的任何损害赔偿。\n\n19. 照管、保管或控制\n\n被保险人拥有，或处于被保险人照管、保管及控制之下的财产所遭受的财产损失。但是，本除外责任不适用于“租用或借用汽车”以及“新购汽车和船舶附加保障”项下规定的承保损害赔偿。\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 44 of 56\n\nB. 就超额责任保障而言，以下规定亦适用：\n\n本保险不提供针对下列人身伤害的责任抗辩费用或任何其他成本或费用的保障：\n\n1. 不当雇佣行为\n\n因任何不当雇佣行为而产生，包括但不限于不当终止雇佣。\n\n2. 歧视\n\n因任何实际发生、被指称或被威胁的歧视而产生。\n\n3. 性行为不当\n\na. 性行为不当、猥亵或骚扰。\n\nb. 体罚；或\n\nc. 性、身体或精神虐待。\n\nC. 就有限雇佣行为责任保障而言，以下规定亦适用：\n\n本保险不提供下列责任抗辩费用或任何其他成本或费用的保障：\n\n1. 财产损失或身体伤害\n\n2. 惩罚性损害赔偿\n\n罚款、罚金、惩罚性、示范性或倍数损害赔偿，但法律要求的除外。\n\n3. 不可保险损失\n\n依据解释本保单所适用的法律，可能被视为不可保险的事项。\n\n4. 违反雇佣合同\n\n因不当雇佣行为而产生，且被保险人因明示的书面或口头雇佣协议而有义务支付损害赔偿。\n\n5. 非金钱救济\n\n就任何索赔或诉讼中寻求非金钱救济的部分，包括但不限于禁令救济、确认救济、追缴、恢复工作或其他衡平法救济。\n\n6. 违反适用于雇主的法律\n\n因违反《1974年雇员退休收入保障法》（Employment Retirement Income Security Act of 1974）、《公平劳动标准法》（Fair Labor Standards Acts）（《同工同酬法》（Equal Pay Act）除外）、《工人调整和再培训通知法》（Workers' Adjustment and Retraining Notification Act）、《全国劳动关系法》（National Labor Relations Act）、《综合综合预算调节法》（Consolidated Omnibus Budget Reconciliation Act）、《1986年移民改革与控制法》（Immigration Reform & Control Act of 1986）、依据前述法律颁布的任何规则或条例，以及其修正案，或任何联邦、州、地方或外国成文法或普通法中的类似规定所施加的任何责任、义务或职责而产生。\n\n7. 社会保障福利\n\n因《社会保障法》（Social Security Act）项下的任何义务而产生，包括但不限于任何关于丧失或减少社会保障福利的索赔，包括对该法律的任何修正，或类似的联邦、州或地方成文法或普通法。\n\nA. 维持基础保险\n\n1. 基础保险\n\n即使基础保障超过声明页所示最低要求基础限额，我们仍将支付超出所有基础保险的承保损害赔偿部分。\n\n“基础保险”包括适用于承保损害赔偿的所有责任保险，但不包括本保单或专门购买以超过本保单为目的的保险。\n\n2. 要求的基础保险\n\na. 您及您的家庭成员必须持续维持声明页所示最低要求基础限额金额的保险，以保障您就下列事项面临的风险：\n\n1）因事故导致的人身伤害和财产损失所产生的个人责任；以及\n\n2）因事故导致的身体伤害和财产损失，涉及您或您的家庭成员拥有、租赁、经常使用，或租期超过 45 天的所有汽车、船舶或休闲机动车辆。\n\nb. 如在事故发生时，适用于该事故的基础保险因下列原因无法完全收取：\n\n1）您或家庭成员未维持所要求的基础保险；\n\n2）所要求基础保险的限额、条款和条件就特定风险已被降低或限制；\n\n3）所要求基础保险的保险人破产、无清偿能力或处于接管状态；或\n\n4）您或家庭成员未履行在所要求基础保险项下的合同责任；\n\n则我们仅会视同所要求基础保险已按声明页载明的最低要求基础限额生效而支付。\n\nCase 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 46 of 56\n\nB. 损失发生后您的义务 Case 22-50073 Doc 1787-14 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 47\n\n如发生可能涉及本保单的事故或不当雇佣行为，或如您或本保单项下任何其他被保险人因可能受本保单保障的事故或不当雇佣行为而被起诉： of 56\n\n1. 您必须在切实可行的最早时间通知我们或我们的代理人有关该事故或不当雇佣行为的时间、地点及其他情况，并向我们提供任何受伤人员和任何可获得证人的姓名及地址。\n\n2. 被保险人必须：\n\na. 向我们提供任何诉讼文书及任何其他有助于我们为该被保险人进行抗辩的文件；以及\n\nb. 通过协助我们进行下列事项，协助并配合我们开展抗辩：\n\n1. 达成和解；\n\n2. 对可能应向被保险人承担责任的任何个人或组织，行使任何分担或赔偿权利。\n\n3. 出席听证和审判；以及\n\n4. 获取并提供证据，以及取得证人的出席。\n\nA. 保单期间和地域。保单期间载于声明页。本保单适用于：\n\n1. 在世界任何地点发生的事故；或\n\n2. 在世界任何地点发生的不当雇佣行为，但仅限于就该不当雇佣行为在美利坚合众国（United States of America）、其领地或属地提出索赔并提起诉讼的情形。\n\nB. 对我们的诉讼。\n\n1. 除非已完全遵守本保单项下的全部条款，否则不得对我们提起任何诉讼。\n\n2. 任何人均无权将我们作为针对被保险人的任何诉讼的一方加入。\n\n3. 此外，在该被保险人的义务已通过终局判决或由我们签署的协议确定之前，不得对我们提起任何诉讼。\n\n4. 对于被保险人依任何免赔额条款应负责的和解或判决所产生的任何到期付款，我们亦不对被保险人应承担的份额负责。\n\nC. 上诉。如被保险人或基础保单的保险人选择不上诉一项将要求本保单支付损失的判决，我们可以对该判决提出上诉。\n\n我们将支付与上诉附带发生的费用和利息。除声明页所示保单限额以及附带费用和利息外，我们不承担更多责任。\n\nD. 追偿。如被保险人有权追偿我们已根据本保单作出的任何付款的全部或部分，该等权利即转让给我们。损失发生后，被保险人不得作出任何损害该等追偿权利的行为。应我们的要求，被保险人将提起诉讼或将该等权利转让给我们，并协助我们行使该等权利。\n\nE. 转让。未经我们书面同意，本保单承保的任何人不得转让或移交与本保单有关的任何权利或利益。\n\nF. 变更。本保单仅可通过由我们签发的书面批单予以变更。\n\nG. 符合法律。凡本保单任何条款与州或地方法律相冲突的，均修订为符合该法律。\n\nH. 放宽。如果我们在不加收保费的情况下扩大个人超额责任保单（Personal Excess Liability Policy）所提供的保障，则该等变更自其在您所在州被采纳的生效日起自动适用于您的保单。\n\nI. 破产或死亡。被保险人的破产或无清偿能力不免除我们的任何义务。但是，如被保险人在保单期间死亡或破产或丧失清偿能力，除非本保单被取消，本保单将在保单期间剩余期限内保障被保险人的法定代表人。\n\nJ. 其他保险。除非其他保险明确规定以超过本保单的方式适用，本保单应在任何其他保险之上作为超额保险适用。\n\nK. 取消。您可以通过邮寄或递交给我们的代理人或我们取消生效日期的预先通知，并将您的保单副本退还给我们，取消本保单。如有保费退还，将按比例退还。\n\n我们可通过邮寄书面通知予您而取消本保单，该通知应寄往我方所知的您最后邮寄地址，并载明取消何时生效。如因您未在到期时履行与支付本保单保费或任何保费分期款有关的任何义务（无论该等款项直接支付给我方或我方代理人，还是根据任何保费融资计划或信用延期而间接支付）而由我方取消保单，则必须至少在该等取消生效日前十（10）日邮寄书面取消通知。\n\n但是，如我方因未支付保费以外的任何原因取消保单，则必须至少在取消生效日前三十（30）日邮寄书面取消通知。\n\n案号 22-50073 文件 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第 48 页，共 56 页\n\n在取消生效日前。您的应退保费（如有）将按比例计算。上述通知的邮寄证明即为通知的充分证明。通知中载明的取消生效日期和时间即为保险期间的终止时间。\n\nL. 不续保。如我方选择不续保本保单，我方应至少在声明页所载保险期间届满前三十（30）日，将书面不续保通知邮寄至我方所知的您的最后地址。无论如何，如您未在到期时履行与支付本保单续保保费有关的任何义务，或如您已通知我方或我方代理人您不希望续保本保单，则本保单将在声明页所载保险期间届满时终止。上述通知的邮寄证明即为通知的充分证明。\n\nM. 控制权转移。仅在我方与您双方均同意应由您接管，或法院命令您接管时，您方可接管此前已向我方报告的任何未决索赔或诉讼的控制权。如您的责任限额已用尽，我方将通知您所有未决索赔或诉讼，以便您接管抗辩的控制权。我方将协助转移任何未决索赔的抗辩控制权，并在向您转移控制权期间避免缺席判决。如我方采取该等措施，我方不放弃或丧失我方任何权利。在责任限额用尽后，您应支付我方为采取该等措施所发生的一切合理费用。\n\n经其许可，包含来自 Insurance Services Office（保险服务办公室）的受版权保护材料。\n\n兹证明，我方已促使签署并见证本保单；如州法律要求，本保单未经我方授权代表副签即不生效。\n\nAIG Property Casualty Company（AIG财产意外保险公司）\n\n秘书\n\n6072-03-00-0001167-0025-0033331 6072-03-00-0001 167-0025-0033331\n\n共 56 页\n\n保单批单编号：PCG 0017034504\n修订批单——纽约\n\n就本批单提供的保险保障而言，除非本批单作出变更，否则本保单的所有条款和条件均适用。\n\n第一部分——定义修订如下，增加以下内容：\n\n差别影响歧视，系指基于统计或其他数值概况的群体或个人之间的差异，其程度足以支持作出存在歧视的认定。该等差异必须导致侵犯个人就其种族、肤色、国籍、宗教、性别、婚姻状况、年龄、性取向或偏好、身体或精神状况，或任何联邦、州或地方法规、规则或条例所确立的其他受保护类别或特征享有的公民权利。\n\n差别影响歧视还包括雇主就雇员的歧视行为承担替代责任，即使该雇主：\n\n1. 未在实施该行为中发挥任何积极作用；\n2. 未作出任何协助或鼓励实施该行为的行为；且\n3. 可能已尽其所能预防该行为。\n\n第一部分——定义中的“不当雇佣行为”予以删除，并由以下内容替代：\n\n不当雇佣行为，系指实际发生或被指称发生的与雇佣有关的不当解雇、性骚扰或雇佣行为差别影响歧视。\n\n第七部分——条件修订如下，增加以下内容：\n对本公司的诉讼\n\n增加以下条款：\n\n5. 如因被保险人、受伤人员、代表受伤人员行事的人或其他索赔人未在切实可行的最早时间向我方或我方在本州的任何代理人发出通知，而我方拒绝承保或不承认对因事故造成的人身伤害损害赔偿承担责任，则受伤人员、代表受伤人员行事的人或其他索赔人可对我方提起诉讼，该诉讼中唯一的问题是，基于未在切实可行的最早时间提供通知而拒绝承保或不承认责任是否适当。\n\n但是，如在我方因人身伤害而拒绝承保或不承认损害赔偿责任后 60 日内，我方或某一被保险人：\n\na. 提起诉讼，以宣告各方在本保单项下的权利；且\nb. 将受伤人员、代表受伤人员行事的人或其他索赔人列为该诉讼的一方，\n\n则受伤人员或代表受伤人员行事的人不得提起诉讼。\n\n6. 如我方在向被保险人及我方送达判决书录入通知后 30 日内，未就事故造成的人身伤害或财产损失支付损害赔偿，则可就判决金额对我方提起诉讼，但以责任限额为限。但是，在就该判决对被保险人实行停止执行或有限停止执行期间，本项不适用。\n\n第七部分——条件中的“取消”予以删除，并由以下内容替代：\n\n取消。您可通过将取消生效日期的预先通知邮寄或交付给我方代理人或我方，并将您的保单副本返还给我方，而取消本保单。您的应退保费（如有）将按比例计算。\n\n我方可通过邮寄书面通知予您而取消本保单，该通知应寄往我方所知的您最后邮寄地址，并载明取消何时生效。\n未支付保费\n\n如因您未在到期时履行与支付本保单保费或任何保费分期款有关的任何义务（无论该等款项直接支付给我方或我方代理人，还是根据任何保费融资计划或信用延期而间接支付）而由我方取消保单，则必须至少在该等取消生效日前十九（19）日邮寄书面取消通知。\n生效不足 60 日的保单\n\n当本保单生效不足 60 日且并非在我方续保时，除未支付保费外，我方可因任何原因取消保单，但须至少在取消生效日前 34 日通知您。\n\n生效超过 60 日的保单\n\n当本保单已生效 60 日或以上，或在任何时候为在我方续保的保单时，除未支付保费外，我方可依照第 3425 条，通过书面取消通知，并至少在取消生效日前三十四（34）日通知您，而基于以下任何理由取消保单：\n\n1. 因增加所承保风险的行为而被判有罪；\n2. 发现获取保单时或提出本保单项下索赔时存在欺诈或重大虚假陈述；\n3. 发现增加所承保风险的故意或鲁莽行为或不作为；\n4. 保单签发后或保单上一个年度纪念日后发生被保险财产的物理变化，致使该财产依照保单签发或上次自愿续保时有效并统一适用的我方客观核保标准而成为不可承保的财产；或\n5. 保险监管长认定继续维持本保单将违反或将使我方违反《纽约保险法》。\n\n上述通知的邮寄证明即为通知的充分证明。通知中载明的取消生效日期和时间即为保险期间的终止时间。\n有条件续保\n\n此外，如我方根据第 3425 条有权取消本保单，则我方可代替取消，在我方决定的生效日前至少二十五（25）日，将我方意向的书面通知邮寄或交付至保单所示您的地址，以变更责任限额或取消法律未要求的任何保险保障为条件继续维持本保单。\n\n您的应退保费（如有）将按比例计算。\n\n第七部分——条件中的“不续保”予以删除，并由以下内容替代：\n\n不续保。如我方选择不续保本保单或对本保单续保附加条件，我方应至少在声明页所载保险期间届满前四十五（45）日、但不超过六十（60）日，将书面不续保通知邮寄至我方所知的您的最后地址。该等条件可包括但不限于修改责任限额或减少法律未要求的保险保障。我方将说明或载明我方采取该等行动的理由。无论如何，如您未在到期时履行与支付本保单续保保费有关的任何义务，或如您已通知我方或我方代理人您不希望续保本保单，则本保单将在声明页所载保险期间届满时终止。上述通知的邮寄证明即为通知的充分证明。\n\n～\n\n6072-03-00-0001 167-0027-0033333 6072-03-00-0001167-0027-0033333\n案号 22-50073 文件 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第 55 页，共 56 页\n以下条款亦加入本保单：\n未在规定期限内发出通知：\n\n未在规定期限内发出该保单要求发出的任何索赔通知，不应使被保险人或任何受伤方或其他索赔人提出的任何索赔无效，除非未及时提供通知已对保险人造成不利影响。但是，如证明在规定期限内发出通知在合理情况下不可能，且通知已在合理可行的最早时间发出，则未发出索赔通知不应使被保险人或任何受伤方或其他索赔人提出的任何索赔无效。\n向代理人通知：\n\n由被保险人或代表被保险人向保险人在纽约州的任何持牌代理人发出的通知，或由受伤方或任何其他索赔人或其代表向该代理人发出的书面通知，如包含足以识别被保险人的详细资料，应视为向保险人发出的通知。\n\n经其许可，包含来自 Insurance Services Office, Inc.（保险服务办公室公司）的受版权保护材料。\n\n案号 22-50073 文件 1787-14 提交日期 05/12/23 录入日期 05/12/23 16:37:59 第 56 页，共 56 页\n\n6072-03-00-0001 6072-03-00-0001167-0028-0033334 167-0028-0033334","key_entities":["Je","Despins","Paul Hastings","CIPA"],"ecf_references":[],"word_count":11268,"status":"published","published_at":"2023-05-12 00:00:00","created_at":"2023-05-12","updated_at":"2026-08-23 21:26:06"}