HomeMy WebLinkAboutCity of Twin Falls - 24-25 Aviation General Liability Policy Insuring
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Starr Safety Partnership STARR
How can aviation companies best maximize their operational savings and safety?It's an ongoing aim for Director's of Aviation and CFO's alike.Starr
Aviation,a division of Starr Insurance,has developed a new program with these goals in mind:The Starr Safety Partnership.
Designed by Starr Aviation Safety&Loss Control,the program provides access to a suite of services from best-in-class providers at a discounted
rate.This unique program focuses on the entire life cycle of aircraft ownership:from acquisition of the aircraft to the safe&cost-efficient operation
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in Scottsdale,Arizona.Pi lots,students and their instructors rent time formerAirbus engineers,this innovative LiDAR-based solution
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SCAN FOR MORE INFORMATION
Coverages described herein are undervmtten by Starr Indemnity&Liability Company,Starr Syndicate Limited at Lloyd'sof London,Starr Insurance&Reinsurance Limited,Starr Surplus Lines Insurance Company,Starr International(Eumpe)
Limited,or Starr Specialty Insurance Company.Starr Insu ran ce is a marketing name forth a operating insurance and travel assistance compani eland subsidiaries of Starr Intem ati anal Company,Inc.and for the investment busin ess of C V
Starr&Co.,Inc.and its subsidiaries The coverages described in this document are only a brief description of available insurance coverage.It is intended far general information purposesonly and does not provide any guidance regarding
specific coverage available or any claim madethereunder.Any policy described herein vAll contain limitations,e clusons and termination provisions Not all coverages are available in alljurisdictions.For costs and complete details of specific
policy coverage,please contact an insurance professional by sending an emai I to the address provided above.
Rev.0924 1 STARRCOMPANIES.COM SSPD
Underwritten by: CTARR
* Starr Indemnity & Liability Company I N S U R A N C E
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
POLICY NUMBER: 1000241648-02 PREVIOUS POLICY NUMBER: 1000241648-01
ISSUED BY: PRODUCER:
STARR INDEMNITY & LIABILITY COMPANY HUB INTERNATIONAL GREAT PLAINS, LLC
11516 MIRACLE HILLS DRIVE, SUITE 100
399 PARK AVENUE OMAHA, NE 68154
NEW YORK, NY 10022
NAMED INSURED: CITY OF TWIN FALLS
MAILING ADDRESS: PO BOX 1907
TWIN FALLS, ID 83303
POLICY PERIOD: FROM OCTOBER 1, 2024 TO OCTOBER 1, 2025 AT 1 2:01 A.M.
STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE
IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE
AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.
LIMITS OF INSURANCE
EACH OCCURRENCE LIMIT $ 50,000,000
DAMAGE TO PREMISES
RENTED TO YOU LIMIT $ 500,000 Any one premises
MEDICAL EXPENSE LIMIT $ 5,000 Any one person
PERSONAL & ADVERTISING INJURY AGGREGATE LIMIT $ 25,000,000
GENERAL AGGREGATE LIMIT $ NOT APPLICABLE
PRODUCTS/COMPLETED OPERATIONS AGGREGATE LIMIT $ 50,000,000
HANGARKEEPERS LIMIT
EACH AIRCRAFT LIMIT $ 50,000,000
EACH LOSS LIMIT $ 50,000,000
HANGARKEEPER'S DEDUCTIBLE $ AS ENDORSED Each aircraft
DESCRIPTION OF BUSINESS
FORM OF BUSINESS:
❑ INDIVIDUAL ❑ PARTNERSHIP ❑ JOINT VENTURE ❑ TRUST
❑ LIMITED LIABILITY COMPANY ® ORGANIZATION, INCLUDING A CORPORATION (BUT NOT
INCLUDING A PARTNERSHIP, JOINT VENTURE OR LIMITED
LIABILITY COMPANY)
BUSINESS DESCRIPTION: AIRPORT
Starr GL Declarations (5/09) Page 1 of 2
ALL PREMISES YOU OWN, RENT OR OCCUPY
ADDRESS OF ALL PREMISES YOU OWN, RENT OR OCCUPY
ANY PREMISES NECESSARY AND/OR INCIDENTAL TO THE AVIATION OPERATIONS OF THE NAMED
INSURED.
PREMIUM
STATE TAX OR OTHER (if applicable) $ NOT APPLICABLE
PREMIUM SHOWN AT INCEPTION IS PAYABLE: ANNUALLY $ 24,288
TRIA PREMIUM: $1,104
ENDORSEMENTS
ENDORSEMENTS ATTACHED TO THIS POLICY:
SSPD, STARR GL PROVISIONS (5/09), STARR FORMS 10803, 10080, 10081, 10086, 10087, LIIBA AVIATION
(12.09.19), 10109, 10294, 10116, 10117, 10348, 10125, AVN139, AVN48B, AVN52G, AVN46B, AVN38B, 10055,
10020, 10007, 20014, AVN2000A, 30001
THESE DECLARATIONS, TOGETHER WITH THE COMMON POLICY CONDITIONS AND COVERAGE FORM(S) AND
ANY ENDORSEMENT(S), COMPLETE THE ABOVE NUMBERED POLICY.
Countersigned: By:
(if required) <' --
(Date) (Authorized Representative)
Date of Issue OCTOBER 14, 2024 (PE)
Starr GL Declarations (5/09) Page 2 of 2
Underwritten by: STARR
INSURAANCE
* Starr Indemnity & Liability Company
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and
what is and is not covered.
Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and
any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and
"our" refer to the company providing this insurance.
The word "insured" means any person or organization qualifying as such under Section II - Who Is An Insured.
Other words and phrases that appear in quotation marks have special meaning. Refer to Section V - Definitions.
SECTION I - COVERAGES
COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY
1. Insuring Agreement
a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily
injury" or "property damage" to which this insurance applies resulting from your "aviation operations".
We will have the right and duty to defend the insured against any "suit" seeking those damages.
However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily
injury" or "property damage" to which this insurance does not apply. We may, at our discretion,
investigate any "occurrence" and settle any claim or "suit" that may result. But:
(1) The amount we will pay for damages is limited as described in Section III - Limits Of Insurance; and
(2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the
payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C.
No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for
under Supplementary Payments - Coverages A, B and D.
b. This insurance applies to "bodily injury" and "property damage" only if:
(1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the
"coverage territory";
(2) The "bodily injury" or "property damage" occurs during the policy period; and
(3) Prior to the policy period, no insured listed under Paragraph 1. of Section II - Who Is An Insured and
no "employee" authorized by you to give or receive notice of an "occurrence" or claim knew that the
"bodily injury" or "property damage" had occurred, in whole or in part. If such a listed insured or
authorized "employee" knew, prior to the policy period, that the "bodily injury" or "property damage"
occurred, then any continuation, change or resumption of such "bodily injury" or "property damage"
during or after the policy period will be deemed to have been known prior to the policy period.
c. "Bodily injury" or "property damage" which occurs during the policy period and was not, prior to the policy
period, known to have occurred by any insured listed under Paragraph 1. of Section II - Who Is An Insured
or any "employee" authorized by you to give or receive notice of an "occurrence" or claim, includes any
continuation, change, or resumption of that "bodily injury" or "property damage" after the end of the
policy period.
Starr GL Provisions (5/09) Page 1 of 30
d. "Bodily injury" or "property damage" will be deemed to have been known to have occurred at the earliest
time when any insured listed under Paragraph 1. of Section II - Who Is An Insured or any "employee"
authorized by you to give or receive notice of an "occurrence" or claim:
(1) Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer;
(2) Receives a written or verbal demand or claim for damages because of the "bodily injury" or
"property damage"; or
(3) Becomes aware by any other means that "bodily injury" or "property damage" has occurred or has
begun to occur.
e. Damages because of "bodily injury" include damages claimed by any person or organization for care, loss
of services or death resulting at any time for the "bodily injury".
2. Exclusions
This insurance does not apply to:
a. Expected Or Intended Injury
"Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This
exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect persons
or property.
b. Contractual Liability
"Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the
assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages:
(1) That the insured would have in the absence of the contract or agreement; or
(2) Assumed in a contract or agreement that is an "insured contract", provided the "bodily injury" or
"property damage" occurs subsequent to the execution of the contract or agreement. Solely for the
purposes of liability assumed in an "insured contract", reasonable attorney fees and necessary
litigation expenses incurred by or for a party other than an insured are deemed to be damages
because of "bodily injury" or "property damage", provided:
(a) Liability to such party for, or for the cost of, that party's defense has also been assumed in the
same "insured contract"; and
(b) Such attorney fees and litigation expenses are for defense of that party against a civil or
alternative dispute resolution proceeding in which damages to which this insurance applies are
alleged.
c. Liquor Liability
"Bodily injury" or "property damage" for which any insured may be held liable by reason of:
(1) Causing or contributing to the intoxication of any person;
(2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence
of alcohol; or
(3) Any statute, ordinance, or regulation relating to the sale, gift, distribution or use of alcoholic
beverages.
Starr GL Provisions (5/09) Page 2 of 30
This exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or
furnishing alcoholic beverages.
d. Workers' Compensation And Similar Laws
Any obligation of the insured under a workers' compensation, disability benefits or unemployment
compensation law or any similar law.
e. Employer's Liability
"Bodily injury" to:
(1) An "employee" of the insured arising out of and in the course of:
(a) Employment by the insured; or
(b) Performing duties related to the conduct of the insured's business; or
(2) The spouse, child, parent, brother, or sister of the "employee" as a consequence of Paragraph (1)
above.
This exclusion applies:
(1) Whether the insured may be liable as an employer or in any other capacity; and
(2) To any obligation to share damages with or repay someone else who must pay damages because of
the injury.
This exclusion does not apply to liability assumed by the insured under an "insured contract".
f. Air Traffic Control
"Bodily injury" or "property damage" arising out of air traffic control operations on the ground or in the
air.
g. Aircraft, Auto, Or Watercraft
"Bodily injury" or "property damage" arising out of the ownership, maintenance, use, or entrustment to
others of any "aircraft", "auto", or watercraft owned or operated by or rented or loaned to any insured.
Use includes operation and "loading or unloading" and, with respect to "aircraft", operated by also
includes operation on behalf of any insured.
This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the
supervision, hiring, employment, training, or monitoring of others by that insured, if the "occurrence"
which caused the "bodily injury" or "property damage" involved the ownership, maintenance, use or
entrustment to others of any "aircraft", "auto", or watercraft that is owned or operated by or rented or
loaned to any insured.
This exclusion does not apply to:
(1) A watercraft while ashore on premises you own or rent;
(2) A watercraft you do not own that is:
(a) Less than 26 feet long; and
(b) Not being used to carry persons or property for a charge;
(3) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not
owned by or rented or loaned to you or the insured;
Starr GL Provisions (5/09) Page 3 of 30
(4) Liability assumed under any "insured contract" for the ownership, maintenance, or use of
watercraft; or
(5) "Bodily injury" or "property damage" arising out of:
(a) The operation of machinery or equipment that is attached to, or part of, a land vehicle that
would qualify under the definition of "mobile equipment" if it were not subject to a compulsory
or financial responsibility law or other motor vehicle insurance law in the state where it is
licensed or principally garaged; or
(b) The operation of any of the machinery or equipment listed in Paragraph f. (2) or f. (3) of the
definition of "mobile equipment".
h. Mobile Equipment
"Bodily injury" or "property damage" arising out of:
(1) The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to
any insured; or
(2) The use of "mobile equipment" in, or while in practice for, or while being prepared for any
prearranged racing, speed, demolition, or stunting activity.
i. Appropriation By Government Power
"Property damage" arising out of the appropriation of property or property rights by governmental power.
j. Damage To Property
"Property damage" to:
(1) Property you own, rent, or occupy, including any costs or expenses incurred by you, or any other
person, organization or entity, for repair, replacement, enhancement, restoration, or maintenance of
such property for any reason, including prevention of injury to a person or damage to another's
property;
(2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those
premises;
(3) Property loaned to you;
(4) Personal property in the care, custody, or control of the insured;
(5) That particular part of real property on which you or any contractors or subcontractors working
directly or indirectly on your behalf are performing operations, if the "property damage" arises out of
those operations; or
(6) That particular part of any property that must be restored, repaired, or replaced because "your
work" was incorrectly performed on it.
Paragraph (1), (3), and (4) of this exclusion do not apply to "property damage" (other than damage by
fire) to premises, including the contents of such premises, rented to you for a period of 7 or fewer
consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as
described in Section III - Limits Of Insurance.
Starr GL Provisions (5/09) Page 4 of 30
Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied,
rented or held for rental by you.
Paragraphs (3), (4), (5), and (6) of this exclusion do not apply to liability assumed under a sidetrack
agreement.
Paragraph (6) of this exclusion does not apply to "property damage" included in the "products-
completed operations hazard".
k. Damage To Your Product
"Property damage" to "your product" arising out of it or any part of it.
I. Damage To Your Work
"Property damage" to "your work" arising out of it or any part of it and included in the "products-
completed operations hazard".
This exclusion does not apply if the damaged work or the work out of which the damage arises was
performed on your behalf by a subcontractor.
m. Damage To Impaired Property Or Property Not Physically Injured
"Property damage" to "impaired property" or property that has not been physically injured, arising out of:
(1) A defect, deficiency, inadequacy, or dangerous condition in "your product" or "your work"; or
(2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in
accordance with its terms.
This exclusion does not apply to the loss of use of other property arising out of sudden and accidental
physical injury to "your product" or "your work" after it has been put to its intended use.
n. Recall Of Products, Work, Or Impaired Property
Damages claimed for any "loss", cost or expense incurred by you or others for the loss of use, withdrawal,
recall, inspection, repair, replacement, adjustment, removal or disposal of:
(1) "Your product";
(2) "Your work"; or
(3) "Impaired property";
if such product, work, or property is withdrawn or recalled from the market or from use by any person or
organization because of a known or suspected defect, deficiency, inadequacy, or dangerous condition in
it.
o. Personal And Advertising Injury
"Bodily injury" arising out of "personal and advertising injury".
p. Electronic Data
Damages arising out of the "loss" of, loss of use of, damage to, corruption of, inability to access, or
inability to manipulate electronic data.
As used in this exclusion, electronic data means information, facts or programs stored as or on, created
or used on, or transmitted to or from computer software, including systems and applications software,
hard or floppy disks, CD-ROMS, tapes, drives, cells, data processing devices or any other media which
are used with electronically controlled equipment.
Starr GL Provisions (5/09) Page 5 of 30
q. Employment-Related Practices
(1) any damages sustained at any time by any person, whether or not sustained in the course of
employment by any insured, arising out of any employment-related act, omission, policy, practice or
representation directed at such person, occurring in whole or in part at any time, including any:
(a) arrest, detention or imprisonment;
(b) breach of any express or implied covenant;
(c) coercion, criticism, humiliation, prosecution or retaliation;
(d) defamation or disparagement;
(e) demotion, discipline, evaluation or reassignment;
(f) discrimination, harassment or segregation;
(g) (i) eviction; or
(ii) invasion or other violation of any right of occupancy;
(h) failure or refusal to advance, compensate, employ or promote;
(i1 invasion or other violation of any right of privacy or publicity;
(j) termination of employment; or
(k) other employment-related act, omission, policy, practice, representation or relationship in
connection with any insured at any time.
(2) any damages sustained at any time by the brother, child, parent, sister or spouse of such person at
whom any employment-related act, omission, policy, practice or representation is directed, as
described in paragraph (1) above, as a consequence thereof.
This exclusion applies:
(1) whether the insured may be liable as an employer or in any other capacity; and
(2) to any obligation to share damages with or repay someone else who must pay damages because of
any of the foregoing.
r. Intellectual Property Laws And Rights
to any actual or alleged "bodily injury", "property damage", "advertising injury" or "personal injury"
arising out of, giving rise to or in any way related to any actual or alleged:
0) assertion; or
(2) infringement or violation;
by any person or organization (including any insured) of any "intellectual property law or right",
regardless of whether this insurance would otherwise apply to all or part of any such actual or alleged
injury or damage in the absence of any such actual or alleged assertion, infringement or violation.
This exclusion applies, unless such injury:
(1) is caused by an offense described in the definition of "advertising injury"; and
(2) does not arise out of, give rise to or in any way relate to any actual or alleged assertion,
infringement or violation of any "intellectual property law or right", other than one described in the
definition of "advertising injury".
Starr GL Provisions (5/09) Page 6 of 30
Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied
by you with permission of the owner. A separate limit of insurance applies to this coverage as described in
Section III - Limits of Insurance.
COVERAGE B - PERSONAL AND ADVERTISING INJURY LIABILITY
1. Insuring Agreement
a. We will pay those sums that the insured becomes legally obligated to pay as damages because of
"personal and advertising injury" to which this insurance applies resulting from your "aviation
operations". We will have the right and duty to defend the insured against any "suit" seeking those
damages. However, we will have no duty to defend the insured against any "suit" seeking damages for
"personal and advertising injury" to which this insurance does not apply. We may, at our discretion,
investigate any offense and settle any claim or "suit" that may result. But:
(1) The amount we will pay for damages is limited as described in Section III - Limits Of Insurance; and
(2) Our right and duty to defend end when we have used up the applicable limit of insurance in the
payment of judgments or settlements under Coverages A or B or medical expenses under Coverage
C.
No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided
for under Supplementary Payments - Coverages A, B, and D.
b. This insurance applies to "personal and advertising injury" caused by an offense arising out of your
"aviation operations" but only if the offense was committed in the "coverage territory" during the policy
period.
2. Exclusions
This insurance does not apply to:
a. Breach Of Contract
"advertising injury" or "personal injury" arising out of breach of contract.
b. Continuing Offenses
"advertising injury" or "personal injury" that arises out of that part of an offense that continues or
resumes after the later of the end of the policy period of:
(1) this insurance; or,
(2) a subsequent, continuous renewal or replacement of this insurance, that:
(a) is issued to you by us or by an affiliate of ours;
(b) remains in force while the offense continues; and
would otherwise apply to "advertising injury" and "personal injury".
c. Contracts
"advertising injury" or "personal injury" for which the insured is obligated to pay damages by reason of
assumption of liability in contract or agreement.
This exclusion does not apply to the liability for damages that such insured would have in the absence of
such contract or agreement.
d. Crime Or Fraud
"advertising injury" or "personal injury" arising out of any criminal or fraudulent conduct committed by or
with the consent or knowledge of the insured.
Starr GL Provisions (5/09) Page 7 of 30
e. Expected Or Intended Injury
"advertising injury" or "personal injury" arising out of an offense, committed by or on behalf of the
insured, that:
(1) is intended by such insured; or
(2) would be expected from the standpoint of a reasonable person in the circumstances of such insured;
to cause injury.
f. Failure To Conform To Representations Or Warranties
"advertising injury" or"personal injury" arising out of the failure of goods, products or services to
conform with any electronic, oral, written or other representation or warranty of durability, fitness,
performance, quality or use.
g. Internet Activities
"advertising injury" or "personal injury" arising out of:
(1) controlling, creating, designing or developing of another's Internet site;
(2) controlling, creating, designing, developing, determining or providing the content or material of
another's Internet site;
(3) controlling, facilitating or providing, or failing to control, facilitate or provide, access to the Internet
or another's Internet site; or
(4) publication of content or material on or from the Internet, other than material developed by you or at
your direction.
h. Media Type Business
"advertising injury" or "personal injury" arising out of an offense committed by or on behalf of an insured
whose business is advertising, broadcasting, cablecasting, publishing, telecasting or telemarketing.
This exclusion does not apply to "personal injury" caused by an offense described in subparagraphs A.,
B. or C. of the definition of "personal injury".
L Prior Offenses
"advertising injury" or "personal injury" arising out of any offense first committed before the beginning of
the policy period.
j. Publications With Knowledge Of Falsity
"advertising injury" or "personal injury" arising out of any electronic, oral, written or other publication of
content or material by or with the consent of the insured:
(1) with knowledge of its falsity; or
(2) if a reasonable person in the circumstances of such insured would have known such content or
material to be false.
Starr GL Provisions (5/09) Page 8 of 30
k. Employment-Related Practices
(1) any damages sustained at any time by any person, whether or not sustained in the course of
employment by any insured, arising out of any employment-related act, omission, policy, practice or
representation directed at such person, occurring in whole or in part at any time, including any:
(a) arrest, detention or imprisonment;
(b) breach of any express or implied covenant;
(c) coercion, criticism, humiliation, prosecution or retaliation;
(d) defamation or disparagement;
(e) demotion, discipline, evaluation or reassignment;
(f) discrimination, harassment or segregation;
(g) (i) eviction; or
(ii) invasion or other violation of any right of occupancy;
(h) failure or refusal to advance, compensate, employ or promote;
(i) invasion or other violation of any right of privacy or publicity;
(j) termination of employment; or
(k) other employment-related act, omission, policy, practice, representation or relationship in
connection with any insured at any time.
(2) any damages sustained at any time by the brother, child, parent, sister or spouse of such person at
whom any employment-related act, omission, policy, practice or representation is directed, as
described in paragraph (1) above, as a consequence thereof.
This exclusion applies:
(1) whether the insured may be liable as an employer or in any other capacity; and
(2) to any obligation to share damages with or repay someone else who must pay damages because of
any of the foregoing.
I. Taking Of Or Exercising Of Property Rights
"personal injury" arising out of the taking of or exercising of the property rights of others by overflight or
other operation of "aircraft".
m.Wrong Description Of Prices
"advertising injury" or "personal injury" arising out of the wrong description of the price goods, products
or services.
Starr GL Provisions (5/09) Page 9 of 30
n. Intellectual Property Laws And Rights
any actual or alleged "bodily injury", "property damage", "advertising injury" or "personal injury" arising
out of, giving rise to or in any way related to any actual or alleged:
(1) assertion; or
(2) infringement or violation;
by any person or organization (including any insured) of any "intellectual property law or right",
regardless of whether this insurance would otherwise apply to all or part of any such actual or alleged
injury or damage in the absence of any such actual or alleged assertion, infringement or violation.
This exclusion applies, unless such injury:
(1) is caused by an offense described in the definition of "advertising injury"; and
(2) does not arise out of, give rise to or in any way relate to any actual or alleged assertion,
infringement or violation of any "intellectual property law or right", other than one described in the
definition of "advertising injury".
COVERAGE C MEDICAL PAYMENTS
1. Insuring Agreement
a. We will pay medical expenses as described below for "bodily injury" caused by an accident:
(1) On premises you own or rent;
(2) On ways next to premises you own or rent; or
(3) Because of your "aviation operations";
provided that:
(1) The accident takes place in the "coverage territory" and during the policy period;
(2) The expenses are incurred and reported to us within one year of the date of the accident; and
(3) The injured person submits to examination, at our expense, by physicians of our choice as often as
we reasonably require.
b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of
insurance. We will pay reasonable expenses for
(1) First aid administered at the time of an accident;
(2) Necessary medical, surgical, x-ray and dental services, including prosthetic devices; and
(3) Necessary ambulance, hospital, professional nursing, and funeral services.
2. Exclusions
We will not pay expenses for "bodily injury":
a. Any Insured
To any insured, except "volunteer workers".
b. Hired Person
To a person hired to do work for or on behalf of any insured or a tenant of any insured.
Starr GL Provisions (5/09) Page 10 of 30
c. Injury On Normally Occupied Premises
To a person injured on that part of premises you own or rent that the person normally occupies.
d. Workers Compensation And Similar Laws
To a person, whether or not an "employee" of any insured, if benefits for the "bodily injury" are payable
or must be provided under a workers' compensation or disability benefits law or a similar law.
e. Athletics Activities
To a person injured while practicing, instructing, or participating in any physical exercises or games,
sports, or athletic contests.
f. Products-Completed Operations Hazard
Included within the "products-completed operations hazard".
g. Coverage A Exclusions
Excluded under Coverage A.
COVERAGE D HANGARKEEPERS LIABILITY
1. Insuring Agreement
a. We will pay those sums that the Insured becomes legally obligated to pay as damages because of "loss"
to "aircraft" (subject to the deductible shown in the Declarations if applicable unless such "loss" results
from fire or explosion or while the "aircraft" is dismantled and being transported) occurring while such
"aircraft" is in the care, custody or control of the insured for safekeeping, storage, service or repair. We
will have the right and duty to defend any "suit" seeking those damages. However, we will have no duty
to defend the insured against any "suit" seeking damages for "bodily injury" or "property damage" to
which this insurance does not apply. We may, at our discretion, investigate any "loss" and settle any
claim or "suit" that may result. But:
(1) The amount we will pay for damages is limited as described in Section III - Limits Of Insurance; and
(2) Our right and duty to defend end when we have used up the applicable limit of insurance in the
payment of judgments or settlements under Coverage D.
(3) When you repair damages which you have caused, we will not pay more than:
(a) your actual net cost for necessary material and parts of like kind and quality; and
(b) your actual wages for labor at current straight time rates with no premium for overtime, plus
100% of such wages as an allowance for overhead and supervision.
No other obligation or liability to pay sums or perform acts or services is covered unless explicitly
provided for under Supplementary Payments - Coverages A, B, and D.
b. This insurance applies to damages because of "loss" to "aircraft" only if:
(1) The "loss" takes place in the "coverage territory"; and
(2) The "loss" occurs during the policy period.
Starr GL Provisions (5/09) Page 11 of 30
2. Exclusions
This insurance does not apply to:
a. The insured's liability under any agreement to be responsible for "loss";
b. "Loss" to robes, wearing apparel, personal effects or merchandise;
c. To "loss" or damage to "aircraft" or parts of "aircraft";
(1) Owned by, leased to, rented to, or loaned to the insured or partner(s) of the insured;
(2) Owned by, leased to, rented to, or loaned to an officer or "employee" of the insured unless the
property in an "aircraft" in your custody under agreement for which a charge has been made;
d. "Loss" due to theft or conversion caused in any way by you, your "employees", your partners or by your
shareholders;
e. "Loss" to "your work" arising out of it or any part of it; or
f. "Loss" to "aircraft" while "in flight".
SUPPLEMENTARY PAYMENTS - COVERAGES A, B, AND D
1 . We will pay, with respect to any claims we investigate or settle or any "suit" against an insured we defend:
a. All expenses we incur.
b. Up to $5,000. for cost of bail bonds required because of accidents or traffic law violations arising out of
the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish
these bonds.
c. The cost of bonds to release attachments, but only for bond amounts within the applicable limit of
insurance. We do not have to furnish these bonds.
d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of
the claim or "suit", including actual loss of earnings up to $250. a day because of time off from work.
e. All costs taxed against the insured in the "suit".
f. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an
offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that
period of time after the offer.
g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we
have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit
of insurance.
These payments will not reduce the limits of insurance.
Starr GL Provisions (5/09) Page 12 of 30
2. If we defend an insured against a "suit" and an indemnitee of the insured is also named as a party to the
"suit", we will defend that indemnitee if all of the following conditions are met:
a. The "suit" against the indemnitee seeks damages for which the insured has assumed the liability of the
indemnitee in a contract or agreement that is an "insured contract";
b. This insurance applies to such liability assumed by the insured;
c. The obligation to defend, or the cost of the defense of, that indemnitee has also been assumed by the
insured in the same "insured contract";
d. The indemnitee:
(1) Agrees in writing to:
(a) Cooperate with us in the investigation, settlement, or defense of the "suit";
(b) Immediately send us copies of any demands, notices, summonses, or legal papers received in
connection with the "suit";
(c) Notify any other insurer whose coverage is available to the indemnitee; and
(d) Cooperate with us with respect to coordinating other applicable insurance available to the
indemnitee; and
(2) Provides us with written authorization to:
(a) Obtain records and other information related to the "suit"; and
(b) Conduct and control the defense of the indemnitee in such "suit".
Provided that the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee,
necessary litigation expenses incurred by us, and necessary litigation expenses incurred by the indemnitee at
our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2. b. (2)
of Section I - Coverages A Bodily Injury And Property Damage Liability, such payments will not be deemed
to be damages for "bodily injury" and "property damage" and will not reduce the limits of insurance.
Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litigation
expenses as Supplementary Payments ends when
a. We have used up the applicable limit of insurance in the payment of judgments or settlements; or
b. The conditions set forth above, or the terms of the agreement described in Paragraph f. above, are no
longer met.
SECTION II - WHO IS AN INSURED
1. If you are designated in the Declarations as:
a. An individual, you and your spouse are insureds, but only with respect to the conduct of a business of
which you are the sole owner.
b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are
also insureds, but only with respect to the conduct of your business.
Starr GL Provisions (5/09) Page 13 of 30
c. A limited liability company, you are an insured. Your members are also insureds, but only with respect to
the conduct of your business. Your managers are insureds, but only with respect to their duties as your
managers.
d. An organization other than a partnership, joint venture, or limited liability company, you are an insured.
Your "executive officers" and directors are insureds, but only with respect to their duties as your officers
or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders.
e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties
as trustees.
2. Each of the following is also an insured:
a. Your "volunteer workers" only while performing duties related to the conduct of your business, or your
"employees", other than either your "executive officers" (if you are an organization other than a
partnership, joint venture or limited liability company) or your managers (if you are a limited liability
company), but only for acts within the scope of their employment by you or while performing duties
related to the conduct of your business. However, none of these "employees" or "volunteer workers"
are insureds for
(1) "Bodily injury" or "personal and advertising injury":
(a) To you, to your partners or members (if you are a partnership or joint venture), to your
members (if you are a limited liability company), to a co-"employee" while in the course of his
or her employment or performing duties related to the conduct of your business, or to your
other "volunteer workers" while performing duties related to the conduct of your business;
(b) To the spouse, child, parent, brother or sister of that co-"employee" or "volunteer worker" as a
consequence of Paragraph (1) (a) above;
(c) For which there is any obligation to share damages with or repay someone else who must pay
damages because of the injury described in Paragraphs (1) (a) or (b) above; or
(d) Arising out of his or her providing or failing to provide professional health care services.
(2) "Property damage" to property:
(a) Owned, occupied or used by,
(b) Rented to, in the care, custody or control of, or over which physical control is being exercised
for any purpose by
you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or
joint venture), or any member (if you are a limited liability company).
b. Any person (other than our "employee" or "volunteer worker"), or any organization while acting as your
real estate manager.
c. Any person or organization having proper temporary custody of your property if you die, but only:
(1) With respect to liability arising out of the maintenance or use of that property; and
(2) Until your legal representative has been appointed.
d. Your legal representative if you die but only with respect to duties as such. That representative will have
all your rights and duties under this Coverage Part.
Starr GL Provisions (5/09) Page 14 of 30
3. Any organization you newly acquire or form, other than a partnership, joint venture, or limited liability
company, and over which you maintain control over more than 50% of voting rights, will qualify as a
Named Insured if there is no other similar insurance available to that organization. However,
a. Coverage under this provision is afforded only until the 90th day after you acquire or form the
organization or the end of the policy period, whichever is earlier;
b. Coverage A does not apply to "bodily injury" or "property damage" that occurred before you acquired or
formed the organization;
c. Coverage B does not apply to "personal and advertising injury" arising out of an offense committed
before you acquired or formed the organization;
d. Coverage C does not apply to medical expenses arising out of "bodily injury" that occurred before you
acquired or formed the organization; and
e. Coverage D does not apply to "loss" to "aircraft" before you acquired or formed the organization.
No person or organization is an insured with respect to the conduct of any current or past partnership, joint
venture or limited liability company that is not shown as a Named Insured in the Declarations.
No person or organization is an insured with respect to the:
a. ownership, maintenance or use of any assets; or
b. conduct of any person or organization whose assets, business or organization;
you acquire, either directly or indirectly, for any:
a. "bodily injury" or "property damage" that occurred; or
b. "advertising injury" or "personal injury" arising out of an offense first committed;
in whole or in part, before you, directly or indirectly, acquired such assets, business or organization.
SECTION III - LIMITS OF INSURANCE
1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless
of the number of
a. Insureds;
b. Claims made or "suits" brought;
c. Persons or organizations making claims or bringing "suits"; or
d. "Aircraft" to which Coverage D applies.
2. The General Aggregate Limit is the most we will pay for the sum of:
a. Medical expenses under Coverage C;
b. Damages under Coverage A, except damages because of "bodily injury" or "property damage" included
in the "products-completed operations hazard"; and
c. Damages under Coverage B.
3. The Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages
because of "bodily injury" and "property damage" included in the "products-completed operations hazard".
4. Subject to 2. above, the Personal And Advertising Injury Aggregate Limit is the most we will pay under
Coverage B for the sum of all damages because of all "personal and advertising injury".
Starr GL Provisions (5/09) Page 15 of 30
5. Subject to 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum
of:
a. Damages under Coverage A; and
b. Medical Expenses under Coverage C
because of all "bodily injury" and "property damage" arising out of any one "occurrence".
6. Subject to 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage
A for damages because of "property damage" to any one premises, while rented to you, or in the case of
damage by fire, while rented to you or temporarily occupied by you with permission of the owner.
7. Subject to 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all medical
expenses because of "bodily injury" sustained by any one person.
8. The Hangarkeepers' Each Loss Limit is the most we will pay for the sum of damages under Coverage D
because of any one "loss".
9. Subject to 8. above, the Hangarkeepers' Each Aircraft Limit is the most we will pay for the sum of damages
under Coverage D because of "loss" to any one "aircraft" in any one "loss".
The Limits of Insurance of this Policy apply separately to each consecutive annual period and to any remaining
period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless
the policy period is extended after issuance for an additional period of less than 12 months. In that case, the
additional period will be deemed part of the last preceding period for purposes of determining the Limits of
Insurance.
SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS
1. Bankruptcy
Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under
this Policy.
2. Cancellation
a. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us
advance written notice of cancellation.
b. We or the "Aviation Managers" may cancel this policy by mailing or delivering to the first Named Insured
written notice of cancellation at least:
(1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or
(2) 30 days before the effective date of cancellation if we cancel for any other reason.
c. We or the "Aviation Managers" will mail or deliver our notice to the first Named Insured's last mailing
address known to us.
d. Notice of cancellation will state the effective date of cancellation. The policy period will end on that
date.
e. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel,
the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The
cancellation will be effective even if we have not made or offered a refund.
f. If notice is mailed, proof of mailing will be sufficient proof of notice.
Starr GL Provisions (5/09) Page 16 of 30
3. Changes
This policy contains all the agreements between you and us concerning the insurance afforded. The first
Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our
consent. This policy's terms can be amended or waived only by endorsement issued by the "Aviation
Managers" and made a part of this policy.
4. Duties In The Event of Occurrence, Offense, Claim, Or Suit
a. You must see to it that we or the "Aviation Managers" are notified as soon as practicable of an
"occurrence" or an offense which may result in a claim. To the extent possible, notice should include:
(1) How, when and where the "occurrence" or offense took place;
(2) The names and addresses of any injured persons and witnesses; and
(3) The nature and location of any injury or damage arising out of the "occurrence" or offense.
b. If a claim is made or "suit" is brought against any insured, you must:
(1) Immediately record the specifics of the claim or "suit" and the date received; and
(2) Notify us or the "Aviation Managers" as soon as practicable.
You must see to it that we or the "Aviation Managers" receive written notice of the claim or "suit" as
soon as practicable.
c. You and any other involved insured must:
(1) Immediately send us or the "Aviation Managers" copies of any demands, notices, summonses or
legal papers received in connection with the claim or "suit";
(2) Authorize us or the "Aviation Managers" to obtain records and other information;
(3) Cooperate with us or the "Aviation Managers" in the investigation or settlement of the claim or
defense against the "suit"; and
(4) Assist us or the "Aviation Managers", upon our request, in the enforcement of any right against any
person or organization which may be liable to the insured because of injury or damage to which this
insurance may also apply.
d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation,
or incur any expense, other than for first aid, without our consent or the consent of the "Aviation
Managers".
5. Examination Of Your Books And Records
We or the "Aviation Managers" may examine and audit your books and records as they relate to this policy
at any time during the policy period and up to three years afterword.
6. Inspections And Surveys
a. We have the right to:
(1) Make inspections and surveys at any time;
(2) Give you reports on the conditions we find; and
(3) Recommend changes.
Starr GL Provisions (5/09) Page 17 of 30
b. We are not obligated to make any inspections, surveys, reports, or recommendations and any such
actions we do undertake relate only to insurability and the premiums to be charged.
We do not make safety inspections. We do not undertake to perform the duty of any person or
organization to provide for the health or safety of workers or the public. And, we do not warrant that
conditions
(1) Are safe or healthful; or
(2) Comply with laws, regulations, codes, or standards.
c. Paragraphs a. and b. of this condition apply not only to us, but also to any rating, advisory, rate service
or similar organization which makes insurance inspections, surveys, reports, or recommendations.
d. Paragraph b. of this condition does not apply to any inspections, surveys, reports, or recommendations
we may make relative to certification under state or municipal statutes, ordinances, or regulations of
boilers, pressure vessels, or elevators.
7. Legal Action Against Us
No person or organization has a right under this Policy:
a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or
b. To sue us on this Policy unless there has been full compliance with all policy terms.
A person or organization may sue us to recover on an agreed settlement or on a final judgment against an
insured obtained after an actual trial; but we will not be liable for damages that are not payable under the
terms of this Policy or that are in excess of the applicable limit of insurance. An agreed settlement means a
settlement and release of liability signed by us, the insured, and the claimant or the claimant's legal
representative. Service of process may be made upon the "Aviation Managers" on behalf of the Company.
However, we do not waive our rights to commence an action in any court of competent jurisdiction or to
seek a transfer to another court as permitted by law.
8. Other Insurance
If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A, B,
or D of this Policy, our obligations are limited as follows:
a. Primary Insurance
This insurance is primary except when b. below applies. If this insurance is primary, our obligations are
not affected unless any of the other insurance is also primary. Then, we will share with all that other
insurance by the method described in c. below.
b. Excess Insurance
This insurance is excess over:
(1) Any of the other insurance, whether primary, excess, contingent or on any other basis:
(a) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your
work";
(b) That is Fire insurance for premises rented to you or temporarily occupied by you with
permission of the owner;
(c) That is insurance purchased by you to cover your liability as a tenant for "property damage" to
premises rented to you or temporarily occupied by you with permission of the owner; or
(d) If the loss arises out of the maintenance or use of "aircraft", "autos", or watercraft to the
extent not subject to Exclusion g. of Section I - Coverage A Bodily Injury And Property Damage
Liability.
Starr GL Provisions (5/09) Page 18 of 30
(2) Any other primary insurance available to you covering liability for damages arising out of the
premises or operations, or the products and completed operations, for which you have been added
as an additional insured by attachment of an endorsement.
When this insurance is excess, we will have no duty under Coverages A, B, or D to defend the insured
against any "suit" if any other insurer has a duty to defend the insured against that "suit". If no other
insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all
those other insurers.
When this insurance is excess over other insurance, we will pay only our share of the amount of the
loss, if any, that exceeds the sum of:
(1) The total amount that all such other insurance would pay for the loss in the absence of this
insurance; and
(2) The total of all deductible and self-insured amounts under all that other insurance.
We will share the remaining loss, if any, with any other insurance that is not described in this
Excess Insurance provision and was not bought specifically to apply in excess of the Limits of
Insurance shown in the Declarations of this Policy.
c. Method Of Sharing
If all of the other insurance permits contribution by equal shares, we will follow this method also. Under
this approach, each insurer contributes equal amounts until it has paid its applicable limit of insurance or
none of the loss remains, whichever comes first.
If any of the other insurance does not permit contribution by equal shares, we will contribute by limits.
Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the
total applicable limits of insurance of all insurers.
If the other insurance is written through the "Aviation Managers" as primary insurance, the total limit of
the Company's or Companies' liability will not exceed the greatest limit on any one policy.
9. Premium Audit
a. We will compute all premiums for this Policy in accordance with our rules and rates.
b. Premium shown in this Policy as advance premium is a deposit premium only. At the close of each audit
period, we will compute the earned premium for that period and send notice to the first Named Insured.
The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the
sum of the advance and audit premiums paid for the policy period is greater than the earned premium,
we will return the excess to the first Named Insured.
c. The first Named Insured must keep records of the information we need for premium computation and
send us copies at such times as we may request.
10. Premiums
The first Named Insured shown in the Declarations:
a. Is responsible for the payment of all premiums; and
b. Will be the payee for any return premiums we pay.
Starr GL Provisions (5/09) Page 19 of 30
11. Representations
By accepting this policy, you agree:
a. The statements in the Declarations are accurate and complete;
b. Those statements are based upon representations you made to us; and
c. We or the "Aviation Managers" have issued this policy in reliance upon your representations.
12. Separation Of Insureds
Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this
Coverage Part to the first Named Insured, this insurance applies:
a. As if each Named Insured were the only Named Insured; and
b. Separately to each insured against whom claim is made or "suit" is brought.
13. State Statutes
If the terms of this policy are in conflict with or inconsistent with the statutes of any state where the policy
is in effect, we will conform to those state statutes.
14.Titles Of Paragraphs
The titles of the various paragraphs of this policy and amendments, if any, attached to this policy are
inserted solely for reference and are not to be deemed in any way to limit or affect the provisions to which
they relate.
15.Transfer Of Rights Of Recovery Against Others To Us
If the insured has rights to recover all or part of any payment we have made under this Policy, those rights
are transferred to us. The insured must do nothing after "loss" to impair them. At our or the "Aviation
Managers" request, the insured will bring "suit" or transfer those rights to us and help us enforce them.
16.Transfer Of Your Rights And Duties Under This Policy
Your rights and duties under this policy may not be transferred without our written consent except in the
case of death of an individual Named Insured.
If you die, your rights and duties will be transferred to your legal representative but only while acting within
the scope of duties as your legal representative. Until your legal representative is appointed, anyone having
proper temporary custody of your property will have your rights and duties but only with respect to that
property.
17.Violation Of Statute
If coverage for a claim under this policy is in violation of any United States of America's economic or trade
sanctions, including but not limited to, sanctions administered and enforced by the U.S. Treasury
Department's Office of Foreign Assets Control ("OFAC"), then coverage for that claim shall be null and void.
18.When We Do Not Renew
If we or the "Aviation Managers" decide not to renew this Policy, we or the "Aviation Managers" will mail
or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less
than 30 days before the expiration date.
Starr GL Provisions (5/09) Page 20 of 30
SECTION V - DEFINITIONS
1. "Advertisement" means an electronic, oral, written or other notice, about goods, products or services,
designed for the specific purpose of attracting the general public or a specific market segment to use such
goods, products or services.
"Advertisement" does not include any e-mail address, Internet domain name or other electronic address or
metalanguage.
2. "Advertising injury" means injury, other than "bodily injury", "property damage" or "personal injury",
sustained by a person or organization and caused by an offense of infringing, in that particular part of your
"advertisement" about your goods, products or services, upon their:
a. copyrighted "advertisement"; or
b. registered collective mark, registered service mark or other registered trademarked name, slogan, symbol
or title.
3. "Aircraft" means any aircraft including engines, propellers, operating, and navigating instruments and radio
equipment attached to or usually attached to or carried on the aircraft, including component parts
detached, and tools therein which are standard for the make and type of aircraft. The term "aircraft"
excludes missiles, "spacecraft" and launch vehicles.
4. "Auto" means:
a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached
machinery or equipment; or
b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor
vehicle insurance law in the state where it is licensed or principally garaged.
However, "auto" does not include "mobile equipment".
5. "Aviation Managers" means Starr Aviation Agency, Inc., Starr Underwriting Agents Limited, Starr
Adjustment Services, Inc. and any of their subsidiary or affiliated companies, branch offices, or authorized
representatives.
6. "Aviation operations" means all operations arising from the ownership, maintenance, or use of locations for
aviation activities, including that portion of roads or other accesses that adjoin these locations. "Aviation
operations" include all operations necessary or incidental to aviation activities.
7. "Bodily injury" means physical:
a. injury;
b. sickness; or
c. disease;
sustained by a person, including resulting death, humiliation, mental anguish, mental injury or shock at any
time. All such loss shall be deemed to occur at the time of the physical injury, sickness or disease that
caused it.
Starr GL Provisions (5/09) Page 21 of 30
8. "Coverage territory" means:
a. The United States of America (including its territories and possessions), Puerto Rico, and Canada;
b. International waters or airspace, but only if the injury or damage occurs in the course of travel or
transportation between any places included in a. above; or
c. All other parts of the world if the injury or damage arises out of:
(1) Goods or products made or sold by you in the territory described in a. above;
(2) The activities of a person whose home is in the territory described in a. above, but is away for a
short time on your business; or
(3) "Personal and advertising injury" offenses that take place through the Internet or similar electronic
means of communication
provided the insured's responsibility to pay damages is determined in a "suit" on the merits, in the territory
described in a. above or in a settlement we agree to.
Payment of loss under this policy shall only be made in full compliance with all United States of America
economic or trade sanction laws or regulations, including, but not limited to, sanctions, laws and regulations
administered and enforced by the U.S. Treasury Department's Office of Foreign Assets Control ("OFAC").
9. "Employee" includes a "leased worker". "Employee" does not include a temporary worker.
10. "Executive officer" means a person holding any of the officer positions created by your charter, constitution,
by-laws, or any other similar governing document.
11 . "Impaired property" means tangible property, other than "your product" or "your work", that cannot be
used or is less useful because
a. It incorporates "your product" or "your work" that is known or thought to be defective, deficient,
inadequate, or dangerous; or
b. You have failed to fulfill the terms of a contract or agreement;
if such property can be restored to use by:
a. The repair, replacement, adjustment, or removal of "your product" or "your work"; or
b. Your fulfilling the terms of the contract or agreement.
12. "In flight" means the time commencing with the actual take-off run of the "aircraft" until it has completed
its landing roll, or if the "aircraft" is a rotorcraft, from the time the rotors start to rotate under power until
they cease to rotate.
13. "Insured contract" means:
a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that
indemnifies any person or organization for damage by fire to premises while rented to you or temporarily
occupied by you with permission of the owner is not an "insured contract";
b. A sidetrack agreement;
c. Any easement or license agreement, except in connection with construction or demolition operations on
or within 50 feet of a railroad;
d. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for
a municipality;
e. An elevator maintenance agreement;
f. That part of any other contract or agreement pertaining to your "aviation operations" (including an
indemnification of a municipality in connection with work performed for a municipality) under which you
assume the tort liability of another party to pay for "bodily injury" or "property damage" to a third person
or organization. Tort liability means a liability that would be imposed by law in the absence of any
contract or agreement.
Starr GL Provisions (5/09) Page 22 of 30
Paragraph f. does not include that part of any contract or agreement:
(1) That indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or
demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or
trestle, tracks, road-beds, tunnel, underpass, or crossing.
(2) That indemnifies an architect, engineer or surveyor for injury or damage arising out of:
(a) Preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports,
surveys, field orders, change orders, or drawings and specifications; or
(b) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury
or damage.
(3) Under which the insured, if an architect, engineer, or surveyor, assumes liability for an injury or
damage arising out of the insured's rendering or failure to render professional services, including
those listed in (2) above and supervisory, inspection, architectural, or engineering activities.
(4) That indemnifies any person or organization for "bodily injury" and "property damage" arising out of
the manufacture of "aircraft" or "aircraft" parts by the indemnitee.
(5) That indemnifies any person or organization for "bodily injury" and "property damage" arising out of
the major alteration or repair of "aircraft" or "aircraft" parts by the indemnitee.
(6) Which is agreed to orally by you and another party, unless the contract or agreement is required by
a governmental body for you to use an airport.
14. "Intellectual property law or right" means any:
a. certification mark, copyright, patent or trademark (including collective or service marks);
b. right to, or judicial or statutory law recognizing an interest in, any trade secret or confidential or
proprietary non-personal information;
c. other right to, or judicial or statutory law recognizing an interest in, any expression, idea, likeness, name,
slogan, style of doing business, symbol, title, trade dress or other intellectual property; or
d. other judicial or statutory law concerning piracy, unfair competition or other similar practices.
15. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and
the labor leasing firm to perform duties related to the conduct of your business. "Leased worker" does not
include a temporary worker.
16. "Loading or unloading" means the handling of property:
a. After it is moved from the place where it is accepted for movement into or onto an "aircraft", watercraft,
or "auto";
b. While it is in or on an "aircraft", watercraft, or "auto"; or
c. While it is being moved from an "aircraft", watercraft, or "auto" to the place where it is finally delivered;
but "loading or unloading" does not include the movement of property by means of a mechanical device,
other than a hand truck, that is not attached to the "aircraft", watercraft, or "auto".
17. "Loss" means an accident resulting in direct damage to tangible property, including continuous or repeated
exposure to substantially the same general harmful conditions. "Loss" includes any resulting loss of use.
Starr GL Provisions (5/09) Page 23 of 30
18. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or
equipment:
a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads;
b. Vehicles maintained for use solely on or next to premises you own or rent including special use vehicles
designed for operation on airports; however, this shall not include passenger cars, pickup trucks,
ambulances, tow trucks, buses, snow plows (except while within the confines of the aircraft operations
area);
c. Vehicles that travel on crawler treads;
d. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted:
(1) Power cranes, shovels, loaders, diggers, or drills; or
(2) Road construction or resurfacing equipment such as graders, scrapers or rollers;
e. Vehicles not described in a., b., c., or d. above that are not self-propelled and are maintained primarily to
provide mobility to permanently attached equipment of the following types:
(1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical
exploration, lighting and well servicing equipment; or
(2) Cherry pickers and similar devices used to raise or lower workers;
f. Vehicles not described in a., b., c., or d. above maintained primarily for purposes other than the
transportation of persons or cargo.
However, self-propelled vehicles with the following types of permanently attached equipment are not
"mobile equipment" but will be considered "autos":
(1) Equipment designed primarily for:
(a) Snow removal;
(b) Road maintenance, but not construction or resurfacing; or
(c) Street cleaning;
(2) Cherry pickers or similar devices mounted on automobile or truck chassis and used to raise or lower
workers; and
(3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical
exploration, lighting and well servicing equipment.
However, "mobile equipment' does not include any land vehicles that are subject to a compulsory or
financial responsibility law or other motor vehicle insurance law in the state where it is licensed or
principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor
vehicle insurance law are considered "autos".
19. "Occurrence" means an accident, including continuous or repeated exposure to substantially the same
general harmful conditions.
Starr GL Provisions (5/09) Page 24 of 30
20. "Personal injury" means injury, other than "bodily injury", "property damage" or "advertising injury", caused
by an offense of:
a. False arrest, false detention, or other false imprisonment;
b. Malicious prosecution;
c. wrongful entry into, wrongful eviction of a person from or other violation of a person's right of private
occupancy of a dwelling, premises or room that such person occupies, if committed by or on behalf of its
landlord, lessor or owner; or
d. electronic, oral, written or other publication of material that:
(1) libels or slanders a person or organization (which does not include disparagement of goods,
products, property or services); or
(2) violates a person's right of privacy.
21 . "Personal and advertising injury" means "advertising injury" and "personal injury".
22. "Products-completed operations hazard":
a. Includes all "bodily injury" and "property damage" occurring away from premises you own or rent and
arising out of "your product" or "your work" except:
(1) Products that are still in your physical possession; or
(2) Work that has not yet been completed or abandoned. However, "your work" will be deemed
completed at the earliest of the following times:
(a) When all of the work called for in your contract has been completed;
(b) When all of the work to be done at the job site has been completed if your contract calls for
work at more than one job site; or
(c) When that part of the work done at a job site has been put to its intended use by any person or
organization other than another contractor or subcontractor working on the same project.
Work that may need service, maintenance, correction, repair or replacement, but which is otherwise
complete, will be treated as completed.
b. Does not include "bodily injury" or "property damage" arising out of:
(1) The transportation of property, unless the injury or damage arises out of a condition in or on a
vehicle not owned or operated by you, and that condition was created by the "loading or unloading"
of that vehicle by any insured;
(2) The existence of tools, uninstalled equipment or abandoned or unused materials; or
(3) Products or operations for which the classification, listed in the Declarations or in a policy schedule,
states that products-completed operations are subject to the General Aggregate Limit.
23. "Property damage" means:
a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of
use shall be deemed to occur at the time of the physical injury that caused it; or
b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to
occur at the time of the "occurrence" that caused it.
For the purposes of this insurance, electronic data is not tangible property.
As used in this definition, electronic data means information, facts, or programs stored as or on, created or
used on, or transmitted to or from computer software, including systems and applications software, hard or
floppy disks, CD- ROMS, tapes, drives, cells, data processing devices, or any other media which are used with
electronically controlled equipment.
Starr GL Provisions (5/09) Page 25 of 30
24. "Spacecraft" means a spacecraft, satellite, spaceship, space station (or launch vehicle for such spacecraft)
designed to travel to, in, or from and operate primarily in space (including parts thereof detached "in flight").
The term "spacecraft" excludes "aircraft" and missiles.
25. "Suit" means a civil proceeding in which damages because of "bodily injury", "property damage" or
"personal and advertising injury" to which this insurance applies are alleged. "Suit" includes:
a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or
does submit with our consent; or
b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the
insured submits with our consent.
26. "Volunteer worker" means a person who is not your "employee", who donates his or her work and acts at
the direction of and within the scope of duties determined by you and is not paid a fee, salary, or other
compensation by you or anyone else for their work performed for you.
27. "Your product":
a. Means:
(1) Any goods or products, other than real property, manufactured, sold, handled, distributed, or
disposed of by:
(a) You;
(b) Others trading under your name; or
(c) A person or organization whose business or assets you have acquired; and
(2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such
goods or products.
b. Includes:
(1) Warranties or representations made at any time with respect to the fitness, quality, durability,
performance or use of "your product"; and
(2) The providing of or failure to provide warnings or instructions.
c. Does not include vending machines or other property rented to or located for the use of others but not
sold.
28. "Your work":
a. Means:
(1) Work or operations performed by you or on your behalf; and
(2) Materials, parts or equipment furnished in connection with such work or operations.
b. Includes:
(1) Warranties or representations made at any time with respect to the fitness, quality, durability,
performance or use of "your work"; and
(2) The providing of or failure to provide warnings or instructions.
Starr GL Provisions (5/09) Page 26 of 30
SECTION VI - COMMON POLICY EXCLUSIONS
ASBESTOS EXCLUSION
This policy does not cover any claims of any kind whatsoever directly or indirectly relating to, arising out of or in
consequence of:
1. The actual, alleged or threatened exposure to or presence of asbestos in any form whatsoever, including,
but not limited to, asbestos fibers or asbestos dust, or any material or product containing, or alleged to
contain, asbestos; or
2. Any obligations, request, demand, order, or statutory or regulatory requirement that any Insured or others
test for, monitor, clean up, remove, contain, treat, neutralize, protect against or in any other way respond to
the actual, alleged or threatened exposure to or presence of asbestos in any form whatsoever, including, but
not limited to, asbestos fibers or asbestos dust, or any material or product containing, or alleged to contain,
asbestos.
However, the exclusion shall not apply to any claim for asbestos exposure caused by or resulting from a crash,
fire, explosion, or collision or a recorded "in flight" emergency causing abnormal "aircraft" operations.
NOISE AND POLLUTION AND OTHER PERILS EXCLUSION CLAUSE
1 . This policy does not cover claims directly or indirectly occasioned by, happening through, or in consequence
of:
a. Noise (whether audible to the human ear or not), vibration, sonic boom and any phenomena associated
therewith,
b. Pollution and contamination of any kind whatsoever,
c. Electrical and electromagnetic interference,
d. Interference with the use of property,
unless caused by or resulting in a crash, fire, explosion or collision or a recorded "in flight" emergency
causing abnormal "aircraft" operation.
2. With respect to any provision in the policy concerning any duty of the Company to investigate or defend
claims, such provision shall not apply and the Company shall not be required to defend:
a. Claims excluded by paragraph 1 ., or
b. A claim or claims covered by the policy when combined with any claims excluded by paragraph 1 .
(referred to below as "Combined Claims").
3. In respect of any Combined Claims, the Company shall (subject to proof of loss and the limits of the policy)
reimburse the insured for that portion of the following items which may be allocated to the claims covered
by the policy:
a. Damages awarded against the insured, and
b. Defense fees and expenses incurred by the insured.
4. Nothing herein shall override any radioactive contamination or other exclusion clause attached to or forming
part of this policy.
Starr GL Provisions (5/09) Page 27 of 30
NUCLEAR RISKS EXCLUSION CLAUSE
1 . This policy does not cover:
i. Loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever
resulting or arising therefrom or any consequential loss.
ii. Any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising
from:
a. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or
nuclear component thereof;
b. The radioactive properties of, or a combination of radioactive properties with toxic, explosive or
other hazardous properties of, any other radioactive material in the course of carriage as cargo,
including storage or handling incidental thereto;
C. Ionizing radiations or contamination by radioactivity from, or the toxic, explosive or other hazardous
properties of, any other radioactive source whatsoever.
2. It is understood and agreed that such radioactive material or other radioactive source in paragraph 1 . b. and
c. above shall not include:
i. Depleted uranium and natural uranium in any form;
ii. Radioisotopes which have reached the final stage of fabrication so as to be usable for any scientific,
medical, agricultural, commercial, educational, or industrial purpose.
3. This policy, however, does not cover loss of or destruction of or damage to any property or any
consequential loss or any legal liability of whatsoever nature with respect to which:
i. The insured under this policy is also an insured or an additional insured under any other insurance policy,
including any nuclear energy liability policy; or
ii. Any person or organization is required to maintain financial protection pursuant to legislation in any
country; or
iii. The insured under this policy is, or had this policy not been issued would be, entitled to indemnification
from any government or agency thereof.
4. Loss, destruction, damage, expense or legal liability in respect of the nuclear risks not excluded by reason of
paragraph 2. shall (subject to all other terms, conditions, limitations, warranties and exclusions of this
policy) be covered, provided that:
i. In the case of any claim in respect of radioactive material in the course of carriage as cargo, including
storage or handling incidental thereof, such carriage shall in all respects have complied with the full
International Civil Aviation Organization "Technical Instructions for the Safe Transport of Dangerous
Goods by Air", unless the carriage shall have been subject to any more restrictive legislation, when it
shall in all respects have complied with such legislation;
Notwithstanding any other provisions of this policy, Insurers will have no duty to investigate, defend or pay
defense costs in respect of any claim excluded in whole or in part under paragraphs 1 . or 2. hereof.
ii. This policy shall only apply to an incident happening during the period of this policy and where any claim
by the Insured against the Company or by any claimant against the insured arising out of such incident
shall have been made within three (3) years after the date thereof;
Starr GL Provisions (5/09) Page 28 of 30
iii. In the case of any claim for the loss of or destruction of or damage to or loss of use of an aircraft caused
by or contributed to by radioactive contamination, the level of such contamination shall have exceeded
the maximum permissible level set out in the following scale:
Emitter Maximum permissible level
of non-fixed radioactive
(IAEA Health and Safety Regulations surface contamination
(Averaged over 300 cm2)
Beta, gamma and low toxicity alpha emitters Not exceeding 4 Becquerels / cm2
(10-4 microcuries / cm2)
All other alpha emitters Not exceeding 0.4 Becquerels / cm2
(10-5 microcuries / cm2)
iv. The cover afforded hereby may be cancelled at any time by the Company giving seven (7) days' notice
of cancellation.
WAR, HIJACKING AND OTHER PERILS EXCLUSION CLAUSE
This policy does not cover claims caused by:
a. War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion,
revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power;
b. Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or other like
reaction or radioactive force or matter;
C. Strikes, riots, civil commotions or labor disturbances;
d. Any act of one or more persons, whether or not agents of a sovereign power, for political or terrorist
purposes and whether the loss or damage resulting therefrom is accidental or intentional;
e. Any malicious act or act of sabotage;
f. Confiscation, nationalization, seizure, restraint, detention, appropriation, requisition for title or use by or
under the order of any Government (whether civil, military or de facto) or public or local authority;
g. Hi-jacking or any unlawful seizure or wrongful exercise of control of the "aircraft" or crew "in flight"
(including any attempt at such seizure or control) made by any person or persons on board the "aircraft"
acting without the consent of the Insured.
Furthermore, this policy does not cover claims arising whilst the "aircraft" is outside the control of the insured by
reason of any of the above perils.
The "aircraft" shall be deemed to have been restored to the control of the insured on the safe return of the
"aircraft" to the insured at an airfield not excluded by the geographical limits of this policy, and entirely suitable
for the operation of the "aircraft" (such safe return shall require that the "aircraft" be parked with engines shut
down and under no duress).
Starr GL Provisions (5/09) Page 29 of 30
SPECIAL AIRPORT PROVISIONS EXCLUSION CLAUSE
This insurance does not apply:
1. To the conduct of any contest, exhibition, air meet, air race, air show, permitted, sponsored or participated
in by any insured, or to any claims or "suits" resulting therefrom; or
2. To the ownership, maintenance, use or operation, by any insured, or to any claims or "suits" resulting from:
a. Grandstands, bleachers, or observation platforms other than observation decks or promenades which are
part of permanent structures on the premises;
b. Swimming pools;
c. Lodging accommodations for the general public; or
d. Schools other than pilot training schools.
3. With respect to restaurants operated by you or by others trading under your name, to "bodily injury" or
"property damage" arising out of:
a. "Your products"; or
b. Reliance upon a representation or warranty made with respect thereto if the "bodily injury" or "property
damage" occurs after physical possession of such products has been relinquished to others.
4. a. Under Coverages A, B, and C, to the Named Insured, any insured, or any other person or organization,
with respect to any "property damage", "bodily injury", or "personal and advertising injury" resulting or
arising from any "occurrence" associated with or related to the act of parachuting, skydiving, training for
skydiving, or the rental, use or furnishing of any skydiving equipment.
b. Under Coverages A, B, and C, to any claim for "property damage", "bodily injury" or "personal and
advertising injury" sustained by any person or organization resulting or arising from any "occurrence"
associated with or related to the act of parachuting, skydiving, training for skydiving, or the rental, use or
furnishing of any skydiving equipment.
The exclusions 4. a. and b. as set forth on the previous page apply also to any duty the Company might
otherwise have to defend any insured; i.e., there shall be no duty to defend any claim or "suit" arising from
any "occurrence" associated with or related to the act of parachuting, skydiving, training for skydiving or
the rental, use or furnishing of any skydiving equipment. There will be no Supplementary Payments arising
from any "occurrence" associated with or related to the act of parachuting, skydiving, training for skydiving,
or the rental, use or furnishing of any skydiving equipment.
In Witness Whereof, the company issuing this policy has caused this policy to be signed by its authorized
officers, but this policy shall not be valid unless also signed by a duly authorized representatives of the company.
Steve Blakey - President Nehemiah E. Ginsburg - General Counsel
STARR INDEMNITY & LIABILITY COMPANY
Starr GL Provisions (5/09) Page 30 of 30
ADDITIONAL INSURED ENDORSEMENT
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
SCHEDULE
Name of Additional Insured Person(s) or Organization(s):
TWIN FALLS COUNTY
630 ADDISON AVE. W.
TWIN FALLS, ID 83301
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.
SECTION II - WHO IS AN INSURED is amended to include as an additional Insured the person(s) or
organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or
"personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions
of those acting on your behalf:
A. In the performance of your ongoing operations; or
B. In connection with your premises owned by or rented to you.
As respects the above additional insured:
1. this insurance does not apply to any claim or liability arising out of the use of any aircraft product manufactured,
sold, handled, or distributed by the above additional insured.
2. this insurance does not apply to the design, manufacture, repair, sale, or servicing of aircraft by the above
additional insured.
3. this insurance does not apply to structural alterations, new construction and demolition operations performed by
or for that person or organization.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 1 - -`
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10803 (8/20)
CANCELLATION BY US ENDORSEMENT
This policy is amended as follows:
SCHEDULE
Number of days 90
(If no entry appears above, information required to complete this Schedule will be shown in the Declarations as
applicable to this endorsement.)
Paragraph b. of Cancellation under COMMERCIAL GENERAL LIABILITY CONDITIONS is replaced by the
following:
b. We or the "Aviation Managers" may cancel this Coverage by mailing or delivering to the first Named
Insured written notice of cancellation at least:
(1) Ten (10) days before the effective date of cancellation if we or the "Aviation Managers" cancel for
non-payment of premium; or
(2) The number of days before the effective date of cancellation if we or the "Aviation Managers"
cancel for any other reason.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 2 -
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10080 (2/06)
CARGO LIABILITY ENDORSEMENT
In consideration of AN ADDITIONAL premium of $INCLUDED , this policy is amended as follows:
Exclusion j. (4) of COVERAGE A shall not apply to "property damage" to cargo.
1. "Cargo" means lawful property, not owned, leased or used by you while in your possession and while being
handled, loaded or unloaded from the "aircraft", or in temporary storage as required to meet flight
schedules.
2. For the purpose of this endorsement, "property damage" shall be defined as follows:
physical injury to tangible property.
3. The limit of our liability against "property damage" to cargo shall not exceed:
(A) the value of cargo as determined by the declaration of value used by the shipper, or
(B) the value of cargo as limited by tariff document, airway bill of lading or shipping receipt, or
(C) the actual cash value of cargo at time of "loss", or
(D) $1,000,000 each "occurrence",
whichever is less.
You must first pay $1,000 of each claim, but not to exceed $1,000 each
"occurrence" for any "loss" or damage paid by us for "property damage" to cargo.
4. In addition to the exclusions as set forth in the policy provisions, this insurance also does not apply to:
(A) any "property damage" to cargo which is:
(i) plants and live animals, including birds, reptiles or fish;
(ii) accounts, bills, checks, currency, deeds, evidences of debt, money, notes, securities, stocks, or
other similar documents or papers;
(iii) bullion, gold, silver, platinum or other precious alloys or metals; furs, fur garments or garments
trimmed with fur; jewelry, watches, precious or semiprecious stones or similar valuable property;
(iv) at locations other than airport premises or way adjoining;
(v) perishables;
(vi) baggage; "baggage" shall mean handbags, suitcases, valises, briefcases and other forms of
baggage usually carried by travelers and the contents thereof;
(vii) any "loss" arising out of the operation of "aircraft" while in motion, whether or not under its own
power.
Starr 10081 (2/06) Page 1 of Endorsement No. 3
(B) To any claims, "losses", damages or expenses arising out of:
(i) any loss of use, loss of market or delay, whether or not the delay is caused by an "occurrence"
covered by this policy;
(ii) any type of consequential "loss" including mental anguish;
(iii) infidelity or dishonesty of any insured or any person in the service of the insured including
employees or agents;
(iv) and confined to wear, tear, deterioration, extremes of temperature or pressure;
(v) "loss" of or damage to cadavers;
(vi) "loss" of or damage to blood, blood products, organs or body parts;
(vii) moths, vermin, inherent vice, marring or scratching.
(C) Coverage provided by this endorsement shall be secondary to and excess over any other valid and collectible
insurance available to any insured.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 3 Jcc� �
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10081 (2/06) Page 2
DEDUCTIBLE LIABILITY INSURANCE ENDORSEMENT
SCHEDULE
COVERAGE AMOUNT AND BASIS OF DEDUCTIBLE
Coverage A: Bodily Injury Liability $ XXXXXXXXXXX Per Claim
$ Per Occurrence
Property Damage Liability $ 25,000 Per Claim
$ Per Occurrence
Coverage B: Personal and Advertising Injury Liability $ XXXXXXXXXXX Per Claim
$ Per Offense
Coverage C: Medical Payments $ Per Claim
$ Per Occurrence
Coverage D: Hangarkeeper's Liability $ 25,000 Per Aircraft
$ Per Occurrence
All Coverages Combined: $ XXXXXXXXXXX Per Claim
$ Per Occurrence / Offense
Total All Claims or Occurrences $ Annual Aggregate
(If no entry appears above, information required to complete this endorsement will be shown in the Declarations as
applicable to this endorsement.)
APPLICATION OF ENDORSEMENT (Enter below any limitations on the application of this endorsement. If no
limitation is entered, the deductibles apply to damages for all bodily injury, property damage, personal injury, and
advertising injury, however caused):
1. Our obligation under Coverage A or B to pay damages on your behalf applies only to the amount of damages in
excess of any deductible amounts stated in the Schedule above as applicable to such coverages, and the limits
of insurance applicable to each occurrence for such coverages will be reduced by the application of such
deductible amount.
2. The deductible amounts stated in the Schedule apply as follows:
(A) PER CLAIM BASIS - If the deductible is on a per claim basis, the deductible amount applies:
(i) Under Coverage A or B:
(a) to all damages because of bodily injury sustained by any one person, or
(b) to all damages because of property damage sustained by any one person or organization, or
(c) to all damages because of personal injury or advertising injury sustained by any one person or
organization
as the result of any one occurrence.
Starr 10086 (2/06) Page 1 of Endorsement No. 4
(ii) Under Coverages A and B Combined: To all damages because of bodily injury, property damage,
personal injury and advertising injury sustained by any one person or organization as the result of any
one occurrence.
(B) PER OCCURRENCE BASIS - If the deductible is on a per occurrence basis, the deductible amount applies:
(i) Under Coverage A or B:
(a) to all damages because of bodily injury as the result of any one occurrence, or
(b) to all damages because of property damage as the result of any one occurrence, or
(c) to all damages because of personal injury or advertising injury sustained by any one person or
organization as a result of any one occurrence
regardless of the number of persons or organizations who sustain damages because of that
occurrence.
(ii) Under Coverages A and B Combined: To all damages because of bodily injury, property damage,
personal injury and advertising injury as the result of any one occurrence regardless of the number of
persons or organizations who sustain damages because of that occurrence.
3. Regardless of the number of occurrences, claims, suits or losses that occur in any one annual policy period,
you will not be required to pay any deductible in excess of the amount shown in the Schedule above as annual
aggregate for occurrences, claims or losses occurring during the annual policy period.
4. For the purpose of this endorsement only, the term occurrence shall include an offense giving rise to personal
injury or advertising injury.
5. The terms of this insurance, including those with respect to:
(A) Our right and duty to defend any suits seeking those damages, and
(B) Your duties in the event of an occurrence, claim, or suit
apply irrespective of the application of the deductible amount.
6. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and, upon
notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as has
been paid by us.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 4yC- -
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10086 (2/06) Page 2
DELETION OF EXCLUSION ENDORSEMENT - CO-EMPLOYEES
This policy is amended as follows:
Paragraph 2. a. (1) (a) of WHO IS AN INSURED does not apply.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 5 �C- - -
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10087 (2/06)
ELECTRONIC DATA EVENT LIABILITY EXCLUSION
This Policy excludes:
(1) any form of mental injury, mental anguish, shock or fright, unless resulting from corporeal injury, caused by:
(a) a delay in, cancellation of or non-provision of air transportation and associated services;
(b) unauthorized access to and/or use of a person's or organization's confidential, proprietary or personal
information;
(2) Property Damage to Electronic Data
arising out of a Data Event.
However, this exclusion shall not apply to such liability otherwise covered by the operative section(s) of this Policy
caused by or resulting in a crash fire explosion or collision or a recorded in-flight emergency causing abnormal aircraft
operation.
As used herein:
"Data Event" means any access to, inability to access, loss of, loss of use of, damage to, corruption of, alteration to
or disclosure of Electronic Data.
"Electronic Data" means information, facts or programs stored as or on, created or used on, or transmitted to or from
computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells,
data processing devices or any other media which are used with electronically controlled equipment.
Nothing herein shall override any other exclusion clause attached to or forming part of this Policy.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 6yC - —`
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
LIIBA Aviation (12.09.19)
GARAGEKEEPERS LIABILITY
This policy is amended as follows:
Exclusion j. (4) under COVERAGE A has been deleted only as respects the following:
"Property damage" to an "auto" occurring while such "auto" is in the care, custody or control of the insured
for valet parking, towing, safekeeping, storage or while on airport premises for any other incidental use by the
insured.
The amount we will pay for damages is limited to
$ 100,000 any one "auto"
$ 150,000 any one "loss"
subject to a deductible of
$ 5,000 each "auto"
Coverage provided by this endorsement does not apply to:
1. this insured's liability under any agreement to be responsible for "loss"
2. "loss" to robes, wearing apparel, personal effects or merchandise
3. "loss" or damage to "auto" or parts of any "auto"
(a) owned by, leased to, rented to or loaned to the insured or partner(s) of the insured
(b) owned by, leased to, rented to or loaned to an officer or employee of the insured unless the "auto"
is in your custody due to towing, or for valet parking for which a charge has been made
4. "loss" due to theft or conversion caused in any way by you, your "employees", your partners or by
your shareholders.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 7 - —`
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10109 (2/06)
HOST LIQUOR LIABILITY
This policy is amended as follows:
The limit of liability provided under COVERAGE A is amended to:
$ 10,000,000 per occurrence, and;
$ 10,000,000 annual aggregate.
with respect to liability of the Insured or his indemnitee as a result of bodily injury or property damage which arises
out of the giving or serving of alcoholic beverages at functions incidental to your business, provided you are not in
the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages.
The limits of liability provided by this endorsement are included within, and not in addition to the Each Occurrence
Limit and the General Aggregate Limit shown on the Declarations Page.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 8 - �-
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10294 (4/06)
INCIDENTAL MEDICAL MALPRACTICE LIABILITY ENDORSEMENT
In consideration of AN ADDITIONAL premium of $INCLUDED , this policy is amended as follows:
The definition of "bodily injury" is amended to include Incidental Medical Malpractice Injury.
Incidental Medical Malpractice Injury means injury arising out of the rendering of or failure to render, during the
policy period, the following services:
(A) medical, surgical, dental, x-ray, automatic external defibrillator or nursing service or treatment or the furnishing
of food or beverages in connection therewith; or
(B) the furnishing or dispensing of drugs or medical, dental or surgical supplies or appliances.
This coverage does not apply to:
(1) expenses incurred by the insured for first-aid to others at the time of an accident and the
SUPPLEMENTARY PAYMENTS provision and the Duties in the Event of Occurrence, Loss, Claim or Suit
Condition are amended accordingly;
(2) any insured engaged in the business or occupation of providing any of the services described under (A)
and (B) above;
(3) injury caused by an indemnitee if such indemnitee is engaged in the business or occupation of providing
any of the services described under (A) and (B) above.
(4) the failure to render automatic external defibrillator treatment, if the aircraft or premises are not equipped
with automatic external defibrillator units.
As respects coverage provided by this endorsement, the limit of liability provided under COVERAGE A is amended
to:
$ 10,000,000 per occurrence, and;
$ 10,000,000 annual aggregate.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 9 �C
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10116 (2/06)
KNOWLEDGE OF OCCURRENCE AND FAILURE TO REPORT
This policy is amended as follows:
KNOWLEDGE OF "OCCURRENCE"
It is agreed that knowledge of an "occurrence" by your agent, servant or "employee" will not in itself constitute
knowledge by you unless such notice has been received by your Insurance Administrator.
YOUR INADVERTENT FAILURE TO REPORT
Notwithstanding any other provision(s) of this policy, inadvertent errors or omissions and/or failure in furnishing
information, notification or reports required will not prejudice the coverage afforded by this policy provided you
notify us within a reasonable time after the error or omission is discovered.
FAILURE TO NOTIFY
Your rights under this policy will not be affected if you fail to give notice of an accident or "occurrence" solely
because you reasonably believed that the accident or "occurrence" was not covered under this policy.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 10 Jcc -
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10117 (2/06)
NON-OWNED AIRCRAFT: LIABILITY ENDORSEMENT
In consideration of additional premium of $ INCLUDED , this policy is amended as follows:
1. Such coverage as afforded by this policy under Coverage A also apply to the "named insured" (including any
director, executive officer, partner, or employee, agent or stockholder thereof, but only while acting within his
or her official duties as such) arising out of the use by or on behalf of the "named insured" of "aircraft" not
owned in whole or in part by, registered to, or under a lease agreement with a term of more than thirty (30)
days to the "named insured".
2. The coverage provided by this endorsement is secondary to and excess over any other valid and collectible
insurance available to the "insured", except insurance purchased as excess of the coverage provided by this
endorsement. If such other insurance is written through the "aviation managers", the total limit of the
Company's liability under all such policies shall not exceed the greatest Limit of Liability applicable under any
one such policy.
3. This endorsement applies only to the non-owned "aircraft" indicated by an X to the left of the appropriate
paragraph.
❑ (a) Any fixed wing single engine land "aircraft" bearing a "Standard" category Airworthiness Certificate
having no more than total seats.
® (b) Any fixed wing land "aircraft" bearing a "Standard" category Airworthiness Certificate having no more
than 20 total seats and having a certificated gross weight not in excess of 12,500 pounds.
❑ (c) Any fixed wing or rotor-wing land "aircraft" bearing a "Standard" category Airworthiness Certificate
having no more than total seats and having a certificated gross weight not in excess of 12,500
pounds.
❑ (d)
4. In addition to the Exclusions applicable to Coverage A, the coverage provided by this endorsement also does
not apply to:
(a) Any person or organization with respect to "aircraft" owned in whole or in part by, registered to, or under
a lease agreement with a term of more than thirty (30) days, to such person (or member of his/her
household) or organization.
(b) "Physical damage" or "property damage" to, destruction of, or loss of use of non-owned "aircraft".
(c) Claims arising out of any product designed, manufactured, sold, distributed, serviced or handled by an
"insured".
(d) Claims arising out of any "aircraft" rented to, financed for, or leased to others (or repossessed or
reacquired) by any "insured", subsidiary, owned or controlled firm thereof.
(e) Liability arising out of "aircraft" insured elsewhere in the policy to which this endorsement is attached.
5. The Company's Limit of Liability with respect to the coverage under this endorsement shall in no event exceed
$ 1,000,000 any one "occurrence".
6. For the purpose of this endorsement, "physical damage" means direct and accidental damage to "aircraft", but
does not include ;loss of use or any residual depreciation or diminution in value (including loss of guaranty or
warranty), if any, after repairs have been made.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 11 - -
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10348 (6/06)
ON-AIRPORT PREMISES AUTO COVERAGE ENDORSEMENT
This policy is amended as follows:
(1) With respect to "auto", Exclusion g. under COVERAGE A, Part 2. Exclusions is deleted in its entirety.
Coverage provided by this policy will:
(a) apply on a primary basis as respects "autos" while being operated within the aircraft operations area
(within the secured fenced area of the airport), or while responding to an aviation emergency;
(b) apply excess of the limits provided by the following scheduled insurance or self insurance as respects
"autos" while being operated on airport premises but outside the aircraft operations area.
Schedule of underlying insurance, including any renewal thereof:
CHARTER OAK FIRE 8108W781959 10/01/2024 - $1,000,000
INSURANCE COMPANY 10/01/2025
(TRAVELERS)
Insurance Company Policy Number Effective Dates Limits
Coverage provided by this endorsement does not apply to any obligation of the insured under a No Fault,
Uninsured Motorist or Underinsured Motorist law.
(2) Paragraph b. of the definition of "Mobile Equipment" in the policy provision is amended as follows:
(b) Vehicles maintained for use solely on or next to premises you own, lease or rent including special use
vehicles designed for operation on airports. However, the following shall not be considered "mobile
equipment":
(1) Passenger cars, pickup trucks
(2) Ambulances
(3) Snow plows while being used outside the aircraft operations area
(4) Tow trucks
(5) Buses, vans
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 12
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10125 (2/06)
SOFTWARE AFFIRMATION CLAUSE
1. Subject to Policy terms, conditions, limitations and exclusions, to the extent coverage is afforded under this
Policy, in respect of claims caused by the use of or inability to use Software, coverage shall be afforded in
accordance with the limit of Insurer's liability as stated in this Policy.
2. No additional limit(s) of coverage shall be conferred by paragraph 1. of this Clause.
3. For the purposes of this Clause, Software shall mean programs, source codes, binary codes, scripts, applications
and electronic data used to instruct computers to perform one or more task(s).
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY Q
Endorsement No. 13 � — —`
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
AVN139 (8/21)
WAR, HI-JACKING AND OTHER PERILS EXCLUSION CLAUSE (AVIATION)
This policy is amended as follows:
In the event any of the provisions of this endorsement are in conflict with any provisions, exclusions, conditions or
terms forming part of this policy, this endorsement shall take precedence.
This policy does not cover claims caused by:
(a) War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion,
revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power;
(b) Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or other like
reaction or radioactive force or matter;
(c) Strikes, riots, civil commotions or labor disturbances;
(d) Any act of one or more persons, whether or not agents of a sovereign power, for political or terrorist
purposes and whether the loss or damage resulting therefrom is accidental or intentional;
(e) Any malicious act or act of sabotage;
(f) Confiscation, nationalization, seizure, restraint, detention, appropriation, requisition for title or use by or under
the order of any Government (whether civil, military or de facto) or public or local authority;
(g) Hi-jacking or any unlawful seizure or wrongful exercise of control of the aircraft or crew in flight (including
any attempt at such seizure or control) made by any person or persons on board the aircraft acting without
the consent of the Insured.
Furthermore, this policy does not cover claims arising whilst the aircraft is outside the control of the Insured by
reason of any of the above perils.
The aircraft shall be deemed to have been restored to the control of the Insured on the safe return of the aircraft
to the Insured at an airfield not excluded by the geographical limits of this policy, and entirely suitable for the
operation of the aircraft (such safe return shall require that the aircraft be parked with engines shut down and
under no duress).
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 14
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
AVN48B (2/06)
EXTENDED COVERAGE ENDORSEMENT (AVIATION LIABILITIES)
In consideration of an additional premium of $ INCLUDED , this policy is amended as follows:
The policy of which this Endorsement forms part includes War, Hijacking and Other Perils Exclusion Clause
AVN48B:
1. With effect from OCTOBER 1, 2024, all sub-paragraphs other than (b) of War, Hijacking and Other
Perils Exclusion Clause AVN48B are deleted SUBJECT TO all terms and conditions of this Endorsement.
2. EXCLUSION applicable only to any coverage extended in respect of the deletion of sub-paragraph (a) of War,
Hijacking and Other Perils Exclusion Clause AVN48B:
Coverage shall not include liability for damage to any form of property on the ground situated outside Canada
and the United States of America unless caused by or arising out of the use of aircraft.
3. LIMITATION OF LIABILITY
The limit of the Company's liability in respect of the coverage provided by this Endorsement shall be a sub-limit
of US $ 50,000,000 or the applicable policy limit, whichever the lesser, any one occurrence and in the
annual aggregate. This sub-limit shall apply within the full policy limit and not in addition thereto.
4. AUTOMATIC TERMINATION
To the extent provided below, coverage extended by this Endorsement shall TERMINATE AUTOMATICALLY in
the following circumstances:
(i) All Coverage
- upon the outbreak of war (whether there be a declaration of war or not) between any two or more of the
following countries: France, the People's Republic of China, the Russian Federation, the United Kingdom,
the United States of America;
(ii) Any coverage extended in respect of the deletion of sub-paragraph (a) of War, Hijacking and Other Perils
Exclusion Clause AVN48B
- upon the hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or
other like reaction or radioactive force or matter wheresoever or whensoever such detonation may occur
and whether or not the insured aircraft may be involved;
(iii) All coverage in respect of any of the insured aircraft requisitioned for either title or use
- upon such requisition.
PROVIDED THAT if an insured aircraft is in the air when W, (ii) or (iii) occurs, then the coverage provided by
this Endorsement (unless otherwise cancelled, terminated or suspended) shall continue in respect of such an
aircraft until completion of its first landing thereafter and any passengers have disembarked.
AVN52G (2/06) Page 1 of Endorsement No. 15
5. REVIEW AND CANCELLATION
(a) Review of Premium and/or Geographical Limits (7 Days)
The Company or its aviation managers may give notice to review premium and/or geographical limits -
such notice to become effective on the expiry of seven days from 23.59 hours G.M.T. on the day on
which notice is given.
(b) Limited Cancellation (48 hours)
Following a hostile detonation as specified in paragraph 4. (ii) above, the Company or its aviation
managers may give notice of cancellation of one or more parts of the coverage provided by paragraph 1.
of this Endorsement by reference to sub-paragraphs (c), (d), (e), (f) and/or (g) of War, Hijacking and Other
Perils Exclusion Clause AVN48B - such notice to become effective on the expiry of forty-eight hours from
23.59 hours G.M.T. on the day on which notice is given.
(c) Cancellation (7 Days)
The coverage provided by this Endorsement may be cancelled by either the Company, its aviation
managers or the Insured by giving notice to become effective on the expiry of seven days from 23.59
hours G.M.T. on the day on which such notice is given.
(d) Notices
All notices referred to herein shall be in writing.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 15 - {- -
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
AVN52G (2/06) Page 2
NOISE AND POLLUTION AND OTHER PERILS EXCLUSION CLAUSE
This policy is amended as follows:
In the event any of the provisions of this endorsement are in conflict with any provisions, exclusions, conditions or
terms forming part of this policy, this endorsement shall take precedence.
1. This policy does not cover claims directly or indirectly occasioned by, happening through or in consequence
of:
(a) noise (whether audible to the human ear or not), vibration, sonic boom and any phenomena associated
therewith,
(b) pollution and contamination of any kind whatsoever,
(c) electrical and electromagnetic interference,
(d) interference with the use of property;
unless caused by or resulting in a crash, fire, explosion or collision or a recorded in-flight emergency causing
abnormal aircraft operation.
2. With respect to any provision in the policy concerning any duty of the Company to investigate or defend
claims, such provision shall not apply and the Company shall not be required to defend:
(a) claims excluded by paragraph 1 ., or
(b) a claim or claims covered by the policy when combined with any claims excluded by paragraph 1.
(referred to below as "Combined Claims").
3. In respect of any Combined Claims, the Company shall (subject to proof of loss and the limits of the policy)
reimburse the Insured for that portion of the following items which may be allocated to the claims covered by
the policy:
(a) damages awarded against the Insured and
(b) defense fees and expenses incurred by the Insured.
4. Nothing herein shall override any radioactive contamination or other exclusion clause attached to or forming
part of this policy.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 16
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
AVN46B (2/06)
NUCLEAR RISKS EXCLUSION CLAUSE
This policy is amended as follows:
In the event any of the provisions of this endorsement are in conflict with any provisions, exclusions, conditions or
terms forming part of this policy, this endorsement shall take precedence.
1. This policy does not cover:
(i) loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting
or arising therefrom or any consequential loss
(i i) any legal liability of whatsoever nature
directly or indirectly caused by or contributed to by or arising from:
(a) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or
nuclear component thereof;
(b) the radioactive properties of, or a combination of radioactive properties with toxic, explosive or other
hazardous properties of, any other radioactive material in the course of carriage as cargo, including
storage or handling incidental thereto;
(c) ionizing radiations or contamination by radioactivity from, or the toxic, explosive or other hazardous
properties of, any other radioactive source whatsoever.
2. It is understood and agreed that such radioactive material or other radioactive source in paragraph 1. (b) and
(c) above shall not include:
(i) depleted uranium and natural uranium in any form;
(i i) radioisotopes which have reached the final stage of fabrication so as to be usable for any scientific,
medical, agricultural, commercial, educational or industrial purpose.
3. This policy, however, does not cover loss of or destruction of or damage to any property or any consequential
loss or any legal liability of whatsoever nature with respect to which:
(i) the Insured under this policy is also an insured or an additional insured under any other insurance policy,
including any nuclear energy liability policy; or
(i i) any person or organization is required to maintain financial protection pursuant to legislation in any
country; or
(iii) the Insured under this policy is, or had this policy not been issued would be, entitled to indemnification
from any government or agency thereof.
AVN38B (2/06) Page 1 of Endorsement No. 17
4. Loss, destruction, damage, expense or legal liability in respect of the nuclear risks not excluded by reason of
paragraph 2. shall (subject to all other terms, conditions, limitations, warranties and exclusions of this policy)
be covered, provided that:
(i) in the case of any claim in respect of radioactive material in the course of carriage as cargo, including
storage or handling incidental thereof, such carriage shall in all respects have complied with the full
International Civil Aviation Organization "Technical Instructions for the Safe Transport of Dangerous
Goods by Air", unless the carriage shall have been subject to any more restrictive legislation, when it
shall in all respects have complied with such legislation;
(ii) this policy shall only apply to an incident happening during the period of this policy and where any claim
by the Insured against the Company or by any claimant against the Insured arising out of such incident
shall have been made within three years after the date thereof;
(iii) in the case of any claim for the loss of or destruction of or damage to or loss of use of an aircraft caused
by or contributed to by radioactive contamination, the level of such contamination shall have exceeded
the maximum permissible level set out in the following scale:
Emitter Maximum permissible level
of non-fixed radioactive
(IAEA Health and Safety Regulations surface contamination
(Averaged over 300 cm21
Beta, gamma and low toxicity alpha emitters Not exceeding 4 Becquerels / cm2
(1 0-4 microcuries / cm2)
All other alpha emitters Not exceeding 0.4 Becquerels / cm2
(10-5 microcuries / cm2)
(iv) the cover afforded hereby may be cancelled at any time by the Company giving seven days' notice of
cancellation.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 17yC - {
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
AVN38B (2/06) Page 2
TERRORISM EXCLUSION
(Terrorism Risk Insurance Act)
This policy is amended as follows:
This policy does not cover claims caused by any losses, damages, or injuries arising directly or indirectly as a result
of any certified "Act of Terrorism" defined by Section 102. Definitions of the Terrorism Risk Insurance Act and any
revisions or amendments thereto.
Solely with respect to this endorsement and to ensure compliance with the Terrorism Risk Insurance Act, an "Act of
Terrorism" shall mean:
(1) Act of Terrorism:
(A) Certification - The term "act of terrorism" means any act that is certified by the Secretary of the Treasury
in consultation with the Secretary of Homeland Security, and the Attorney General of the United States:
(i) to be an act of terrorism;
(i i) to be a violent act or an act that is dangerous to:
(1) human life;
(11) property; or
(III) infrastructure;
(iii) to have resulted in damage within the United States, or outside of the United States in the case of:
(1) an air carrier or vessel defined as one principally based in the United States, on which United
States income tax is paid, and whose insurance coverage is subject to regulation in the United
States; or
(11) the premises of a United States mission; and
(iv) to have been committed by an individual or individuals as part of an effort to coerce the civilian
population of the United States or to influence the policy or affect the conduct of the United States
Government by coercion.
(B) Limitation - No act shall be certified by the Secretary as an act of terrorism if:
(i) the act is committed as part of the course of a war declared by the Congress, except that this clause
shall not apply with respect to any coverage for workers' compensation; or
(i i) property and casualty insurance losses resulting from the act, in the aggregate, do not exceed the
Program Trigger.
(C) Determinations Final - Any certification of, or determination not to certify, an act of terrorism under this
paragraph shall be final, and shall not be subject to judicial review.
(D) Timing of certification - Not later than 9 months after the report required under section 107 of the
Terrorism Risk Insurance Program Reauthorization Act of 2015 is submitted to the appropriate committees
of Congress, the Secretary shall issue final rules governing the certification process, including establishing
a timeline for which an act is eligible for certification by the Secretary on whether an act is an act of
terrorism under this paragraph.
(E) Nondelegation - The Secretary may not delegate or designate to any other officer, employee, or person,
any determination under this paragraph of whether, during the effective period of the Program, an act of
terrorism has occurred.
THE PROVISIONS OF THIS ENDORSEMENT SHALL APPLY SOLELY TO THE TERRORISM RISK INSURANCE ACT,
ITS REVISIONS AND/OR AMENDMENTS AND SHALL IN NO WAY CONFLICT WITH THOSE OF AVN48B AND
AMENDMENTS THERETO.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 18 - �—
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10055 (1/15)
EXTENDED COVERAGE ENDORSEMENT
Liability Coverage
(Terrorism Risk Insurance Act)
In consideration of an additional premium of $ INCLUDED , this policy is amended to provide such
coverage as is set forth below:
(A) EXTENSION OF LIABILITY
Liability coverage as provided under this policy shall be extended to include any accident, incident, occurrence,
act or event that is described or defined within the United States Terrorism Risk Insurance Act, such definition
for an Act of Terrorism being as set forth in Terrorism Exclusion as attached to this policy.
(B) LIMITATION OF LIABILITY
The limit of the Company's liability for the coverage provided by this Endorsement shall be included within and
not in addition to the limits of liability provided under this policy.
Coverage provided by this endorsement is subject to the terms, exclusions, conditions and limitations of the policy
to which it is attached.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 19 ' r
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10020 (1/15)
ASBESTOS EXCLUSION ENDORSEMENT
This policy does not cover any claims of any kind whatsoever directly or indirectly relating to, arising out of or in
consequence of:
1. The actual, alleged or threatened exposure to or presence of asbestos in any form whatsoever, including, but
not limited to, asbestos fibers or asbestos dust, or any material or product containing, or alleged to contain,
asbestos; or
2. Any obligations, request, demand, order, or statutory or regulatory requirement that any insured or others test
for, monitor, clean up, remove, contain, treat, neutralize, protect against or in any other way respond to the
actual, alleged or threatened exposure to or presence of asbestos in any form whatsoever, including, but not
limited to, asbestos fibers or asbestos dust, or any material or product containing, or alleged to contain,
asbestos.
However, the exclusion shall not apply to any claim for asbestos exposure caused by or resulting from a crash,
fire, explosion, or collision or a recorded in flight emergency causing abnormal aircraft operations.
Notwithstanding any other provisions of this Policy, Insurers will have no duty to investigate, defend or pay
defense costs in respect of any claim excluded in whole or in part under paragraphs 1 . or 2. hereof.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 20 - �-
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 10007 (2/06)
IDAHO CANCELLATION / NONRENEWAL ENDORSEMENT - AVIATION
Wherever used in this endorsement: 1) "we", "us", "our", and "Insurer" mean the insurance company which
issued this policy; and 2) "you", "your", "Named Insured", "First Named Insured", and "Insured" mean the
Named Corporation, Named Organization, Named Sponsor, Named Insured, or Insured stated in the Declarations
page; and 3) "Other Insured(s)" means all other persons or entities afforded coverage under the policy.
CANCELLATION / NONRENEWAL
A) The cancellation provision of the policy is replaced by the following:
1. The first named Insured may cancel this policy by mailing or delivering to the Insurer advance written
notice of cancellation.
2. CANCELLATION OF NEW POLICIES IN EFFECT LESS THAN SIXTY (60) DAYS
If the policy has been in effect for less than sixty (60) days and is not a renewal, the Insurer may cancel
this policy for any reason, by mailing or delivering to the First Named Insured written notice of
cancellation at least thirty (30) days before the effective date of cancellation.
3. CANCELLATION OF RENEWAL POLICIES AND NEW POLICIES IN EFFECT FOR SIXTY DAYS OR MORE
If this policy has been in effect for sixty (60) days or more, or is a renewal policy the Insurer issued, the
Insurer may cancel early for one or more of the following reasons:
(1) Nonpayment of premium;
(2) Fraud or material misrepresentation made by or with the knowledge of the named Insured or Other
Insured(s) in obtaining the policy, continuing the policy, or in presenting a claim under the policy;
(3) Activities or omissions on the part of the named Insured or Other Insured(s) which increase any
hazard insured against, including a failure to comply with loss control recommendations;
(4) Change in the risk which materially increases the risk of loss after insurance coverage has been
issued or renewed including, but not limited to, an increase in exposure to regulation, legislation or
court decision;
(5) Loss or decrease of the Insurer's reinsurance covering all or part of the risk or exposure by the policy;
(6) Determination by the director that the continuation of the policy would jeopardize an Insurer's
solvency or would place the Insurer in violation of the insurance laws of this state or any other
state; or
(7) Violation or breach by the Insured or Other Insured(s) of any policy terms or conditions other than
nonpayment of premium.
The Insurer will mail or deliver written notice of cancellation under item 3 to the First Named Insured at
the mailing address last known to the Insurer at least:
a) Ten (10) days before the effective date of cancellation if the Insurer cancels for nonpayment of
premium; or
Starr 20014 (2/06) Page 1 of Endorsement No. 21
b) Thirty (30) days before the effective date of cancellation if the Insurer cancels for a reason described
in (2) — (7) above.
B) The following paragraph is added to the policy conditions:
The Insurer will mail or deliver to the First Named Insured at the last mailing address known to the Insurer
written notice of premium increases, changes in deductibles, reductions in limits or reductions in coverages at
least thirty (30) days prior to the expiration date of the policy.
C) The following provision is added and supersedes any other provision to the contrary:
NONRENEWAL
1. The First Named Insured may nonrenew this policy by mailing or delivering to the Insurer advance written
notice of nonrenewal.
2. If the Insurer decides not to renew this policy, the Insurer will mail or deliver a notice of nonrenewal to
the First Named Insured at least forty-five (45) days before the expiration date.
3. The Insurer need not mail or deliver this notice if:
a) The Insurer or another company within the Insurer's insurance group has offered to issue a renewal
policy; or
b) Where the named Insured has obtained replacement coverage or has agreed in writing to obtain
replacement coverage.
4. Any notice of nonrenewal will be mailed or delivered to the First Named Insured at the last address
known to the Insurer. If notice is mailed, proof of mailing will be sufficient proof of notice.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 21 JAC� c� �—
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 20014 (2/06) Page 2
DATE RECOGNITION EXCLUSION CLAUSE
This Policy does not cover any claim, damage, injury, loss, cost, expense or liability (whether in contract, tort,
negligence, product liability, misrepresentation, fraud or otherwise) of any nature whatsoever arising from or
occasioned by or in consequence of (whether directly or indirectly and whether wholly or partly):
(a) the failure or inability of any computer hardware, software, integrated circuit, chip or information technology
equipment or system (whether in the possession of the Insured or of any third party) accurately or completely
to process, recognize, exchange or transfer year, date or time data or information in connection with any
change of year, date or time;
whether on or before or after such change of year, date or time;
(b) any implemented or attempted change or modification of any computer hardware, software, integrated circuit,
chip or information technology equipment or system (whether in the possession of the Insured or of any third
party) in anticipation of or in response to any such change of year, date or time, or any advice given or services
performed in connection with any such change or modification;
(c) any non-use or unavailability for use of any property or equipment of any kind whatsoever resulting from any
act, failure to act or decision of the Insured or of any third party related to any such change of year, date or
time;
and any provision in this Policy concerning any duty of the Company to investigate or defend claims shall not apply
to any claims so excluded.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 22 A Arf
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
AVN2000A (2/06)
AVIATION DATE RECOGNITION ENDORSEMENT WITH LIMITED COVERAGE GRANT
OPTION 4
This Policy does not cover any claim, damage, injury, loss, cost, expense or liability (whether in contract, tort,
negligence, product liability, misrepresentation, fraud or otherwise) of any nature whatsoever arising from or
occasioned by or in consequence of (whether directly or indirectly and whether wholly or partly):
a) the failure or inability of any computer hardware, software, integrated circuit, chip, computer component or
other information technology equipment or system (whether in the possession of the Insured or of any third
party) accurately or completely to process, recognize, exchange or transfer year, date or time data or
information in connection with:
- the change of year from 1999 to 2000; and/or
- the change of date from 21 August 1999 to 22 August 1999; and/or
- any other change of year, date or time;
whether on or before or after such change of year, date or time;
b) any implemented or attempted change or modification of any computer hardware, software, integrated circuit,
chip, computer component or other information technology equipment or system (whether in the possession of
the Insured or of any third party) in anticipation of or in response to any such change of year, date or time, or
any advice given or services performed in connection with any such change or modification;
c) any non-use or unavailability for use of any property or equipment of any kind whatsoever resulting from any
act, failure to act or decision of the Insured or of any third party related to any such change of year, date or
time;
and any provision in this Policy concerning any duty of the Company to investigate or defend claims shall not apply
to any claims so excluded.
HOWEVER, in consideration of the additional premium of $ INCLUDED ,it is hereby understood and agreed that
this endorsement shall not apply to:
any sums which the Insured shall become legally liable to pay, and (if so required by the Policy) shall pay
(including costs awarded against the Insured) in respect of accidental bodily injury (fatal or otherwise) or loss
of or damage to property caused by an aircraft accident occurring during the Policy Period and arising out of a
risk insured under the Policy.
Starr 30001 (2/06) Page 1 of Endorsement No. 23
PROVIDED THAT:
1. Coverage provided pursuant to this endorsement shall be subject to all terms, conditions, limitations,
exclusions and cancellation provisions of this Policy (except as specifically provided herein), and nothing in this
endorsement extends coverage beyond that which is provided by the Policy.
2. Nothing in this endorsement shall provide any coverage in respect of grounding and/or loss of use of any
aircraft which has not been physically damaged or destroyed in the accident giving rise to a claim under the
Policy.
All other provisions of this policy remain the same.
This endorsement becomes effective OCTOBER 1, 2024 to be attached to and hereby made a part of:
Policy No. 1000241648-02
Issued to CITY OF TWIN FALLS
By STARR INDEMNITY & LIABILITY COMPANY
Endorsement No. 23 -
Date of Issue OCTOBER 14, 2024 (PE) By
(Authorized Representative)
Starr 30001 (2/06) Page 2
STARR
I N S U RA N C E
3353 Peachtree Road, N.E.
Suite 1000
Atlanta, GA 30326
(Phone) 404-946-1400 (Fax) 816-817-4333
In the event of a claim, please submit your notice of loss to the
following email inbox which will generate a return email with
your claims adjustor, contact information and claim number within
24 hours:
AviationClaimReports@starrcompanies.com
In the event of a claim emergency, please contact:
For Hull Claims:
Jeffrey Greenawalt
Cell: (214) 223-0202
For Liability Claims:
Garrett Pendleton
Cell: (404) 430-2946
Tracy Morris
Cell: (770)-686-5410
Office (770) 537-2031