Document 6werby2a9jpkMx31j50MLbJVE

10' > CASUALTY INSURANCE POLICY THE HARTFORD IVnLHAM l CKOLP COVtC'<V' GENERAL POLICY PROVISIONS- Eopn UJ7 \ McMANUS & PELLDUCHOUD. INC. H |INSURANCE COUNSELORS Telephone: 427-1901 /141 W. JACKSON BLVD., CHICAGO. ILL. The member company of THE HARTFORD INSURANCE GROUP designated on the Dedarations page as the Insurer (a stock insurance company, herein called the company) fit consideration of the payment of the premium, in reliance upon the statements in the declarations made a part hereof and subject to all of the terms of this policy, agrees with the named insured as follows: COVERAGE Insurance is afforded by the Coverage Parts forming a part hereof, subject to such limits of liability as are stated therein and subject to all the terms of the policy having reference thereto. SUPPLEMENTARY PAYMENTS The company will pay, in addition to the applicable limit of liability: (a) all expenses incurredj>y the company, all costs taxed against the insured in any suit defended by the company and all interest on the entire amount of any judgment therein which accrues after entry of the judgment and before the company has paid or tendered or deposited in court that part of the judgment which does not exceed the limit of the company's liability thereon; (b) premiums on appeal bonds required in any such suit, premiums on bonds to release attachments in any such suit for an amount not in excess of the applicable limit of liability of this policy, and the cost of bail bonds required of the insured because of accident or traffic law violation arising out of the use of any vehicle to which this policy applies, not to exceed $250 per bail bond, but the company shall nave no obligation to apply for or furnish any such bonds; (c) expenses incurred by the insured for first aid to others at the time of an accident, for bodily injury to which this policy applies; (d) reasonable expenses incurred by the insured at the company's request in assisting the company in the investigation or defense of any claim or suit, including actual loss of earnings not to exceed $25 per day. DEFINITIONS When used in this policy (including endorsements forming a part hereof): "automobile*' means a land motor vehicle, trailer or semi-trailer designed for travel on public roads (including any machinery or apparatus attached thereto), but does not include mobile equipment; "bodily injury" means bodily injury, sickness or disease sustained by any person which occurs during the policy period, including death at any time resulting therefrom; "collapse hazard** includes "structural property damage" as defined herein and property damage to any other property at any time resulting therefrom. ^Structural property damage" means the collapse of or structural injury to any building or structure due to (1) grading of land, excavating, borrowing, filling, back-filling, tunnelling, pile driving, cofferdam work or caisson work or (2) moving, shoring, underpinning, raising or demolition of any building or structure or removal or rebuilding of any structural support thereof. The collapse hazard does not include property damage (1) arising out of operations performed for the named insured by in dependent contractors, or (2) included within the completed operations Hazard or the underground property damage hazard, or (3) for which liability is assumed by the injured under an incidental contract; 4tcompleted operations hazard** includes bodily injury and property damage arising out of operations or reliance upon a repre sentation or warranty made at any time with respect thereto, but only if the bodily injury or property damage occurs after such opera tions have been completed or abandoned and occurs away from premises owned by or rented to the named insured. "Operations ' include materials, parts or equipment furnished in connection there with. Operations shall be deemed completed at the earliest of the following times: (1) when all operations to be performed by or on behalf of the named tnsured under the contract have been completed, (2) when all operations to be performed by or on behalf of the named insured at the site of the operations have been completed, or (3) when the portion of the work out of which the injury or damage arises has been put to its intended use by any person or organiza tion other than another contractor or subcontractor engaged in performing operations fora principal as a part of the same project. Operations which may require further service or maintenance work, or correction, repair or replacement because of any d*^ect deficiency, but which are otherwise complete, shall be deemed completed. Chicago Fire Brick Annual Reports and The completed operations hazard does not include bodily injury or property damage arising out of ''a) operations in connection with the transportation of property, unless the bodily injury or property damage arises out of a condi tion in or on a vehicle created by the loading or unloading thereof, (b) the existence of tools, uninstalled equipment or abandoned or unused materials, or (c) operations for which the classification stated in the policy or in the company's manual specifies "including completed opera tions"; "elevator" means any hoisting or lowering device to connect floors or landings, whether or not in service, and all appliances thereof including any car, platform, shaft, hoistway, stairway, runway, power equipment ana machinery; but does not include an automobile servicing hoist, or a hoist without a platform outside a building if without mechanical power or if not attached to building walls, or a hod or material hoist used in alteration, construction or demolition operations, or an inclined conveyor used exclusively for carrying property or a dumbwaiter used exclusively for carrying property and having a compartment height not exceeding four feet; "explosion hazard" includes property damage arising out of blasting or explosion. The explosion hazard does not include property damage (1) arising out of the explosion of air or steam vessels, piping under pressure, prime movers, machinery or power transmitting equipment, or (2) arising out of operations performed for the named insured by independent contractors, or (3) included within the com pleted operations hazard or the underground property damage hazard, or (4) for which liability is assumed by the insured under an incidental contract; "incidental contract** means any written (1) lease of premises, (2) easement agreement, except in connection with construction or demolition operations on or adjacent to a railroad, (3) undertaking to indemnify a municipality required by municipal ordinance, except in connection with work for the municipality, (4) sidetrack agreement, or (5) elevator maintenance agreement; "insured" means any person or organization qualifying as an insured in the "Persons Insured" provision of the applicable insur ance coverage. The insurance afforded applies separately to each insured against whom claim is made or suit is brought, except with respect to the limits of the company's liability; "mobile equipment" means a land vehicle (including any machinery or apparatus attached thereto), whether or not selfpropelled, (l) not subject to motor vehicle registration, or (2) main tained for use exclusively on premises owned by or rented to the named insured, including the ways immediate ^ <*. (t designed for use principally-off public road-*, or ,cd or mat cained for the soie purpose of affording mobility to ,uipment of following types forming an integral part of or permanently attached to such vehicle: power cranes, shovels, loaders, diggers and drills; concrete mixers other than the mix-in-transit type); graders.' scrapers, rollers and other road construction or repair equipment; air-compressors, pumps and generators, including spraying, welding and building cleaning equipment; and geophysical exploration and well servicing equipment; "named insured" means the person or organization named in Item 1. of the declarations of this policy; "named insured*s products'* means goods or products manu factured, sold, handled or distributed by the named insured or by others trading under his name, including any container thereof (other than a vehicle), but "named insured's products" shall not include a vending machine or any property other than such container, rented to or located for use of others but not sold; "occurrence" means an accident, including continuous or repeat ed exposure to conditions, which results in bodily injury or property damage neither expected nor intended from the standpoint of the insured; "policy territory" means: (1) the United States of America, its territories or possessions, or Canada, or (2) international waters or air space, provided the bodily injury or property damage does not occur in the course of travel or trans portation to or from any other country, state or nation, or (3) anywhere in the world with respect to damages because of bodily injury or property damage arising out of a product which was sold for use or consumption within the territory described in paragraph (1) above, provided the original suit for such damages is brought within such territory; "products hazard" includes bodily injury and property damage arising out of the named insured's products or reliance upon a repre sentation or warranty made at any time with respect thereto, but only if the bodily injury or property damage occurs away from premises owned by or rented to the named insured and after physical posses sion of such products has been relinquished to others: "property damage** means (1) physical injury to or destruction of tangible property which occurs during the policy period, including the loss of use thereof at any time resulting therefrom, or (2) loss of use of tangible property which has not been physically injured or destroyed provided such loss of use is caused by an occurrence during the policy period; "underground property damage hazard" includes under ground property damage as defined herein and property damage to any other property at any time resulting therefrom. "Underground property damage'' means property damage to wires, conduits, pipes, mains, sewers, tanks, tunnels, any similar property, and any ap paratus in connection therewith, beneath the surface of the ground or water, caused by and occurring during the use of mechanical equipment for the purpose of grading land, paving, excavating, drilling, borrowing, filling, back-filling or pile driving. The under ground property damage hazard does not include property damage (l) arising out of operations performed for the named insured by in dependent contractors, or (2) included within the completed opera tions hazard, or (3) for which liability is assumed by the insured under an incidental contract. DESCRIPTION OF TERMS USED AS PREMIUM BASES When used as a premium basis for: (a) Comprehensive General Liability Insurance or Owners', Land lords5^ and Tenants' Liability Insurance, "admissions" means the total number of persons, other than employees of the named insured, admitted to the event covered by the insurance or to events conducted on the premises whether on paid admission tickets, complimentary tickets or passes; (b) Comprehensive General Liability Insurance; Manufacturers' and Contractors' Liability Insurance; Owners', Landlords' and Tenants' Liability insurance; Owners' and Contractors' Pro tective Liability Insurance, "coif** means the total cost to the named insured with respect to operations performed for the named insured during the policy period by independent con tractors of all work let or sub-let *n connection with each specific project, including the cost of all labor, materials and equipment furnished, used or delivered for use in the execution of such work, whether furnished by the owner, contractor or subcon tractor, including all fees, allowances, bonuses or commissions made, paid or due; (c) Comprehensive General Liability Insurance; Manufacturers' and Contractors' Liability Insurance; Owners', Landlords' and Tenants' Liability Insurance or Completed Operations and Products Liability Insurance, "receipts" means the gross amount of money charged by the named insured for such opera tions by the named insured or by others during the policy period as are rated on a receipts basis other than receipts from tele casting, broadcasting or motion pictures, and includes taxes, other than taxes which the named insured collects as a separate item and remits directly to a governmental division; (d) Comprehensive General -Liability Insurance; Manufacturers' and Contractors' Liability Insurance or Owners'. Landlords' and Tenants' Liability Insurance which includes coverage for structural alterations, new construction and demolition opera tions, "remuneration" means the entire remuneration earned during the policy period by proprietors and by all employees of the named insured, other than chauffeurs (except operators of mobile equipment) and aircraft pilots and co-pilots, subject to any overtime earnings or limitation of remuneration rule ap plicable in accordance with the manuals in use by the Company; Poem 8117 Chicago Fire Brick Annual Repons and page. vtth ' GENERAL POLICY PRO\ ISIONS" Form Hll?, Coverage Paris, and endorsements, it any, issued !o form a part he below numbered Casualty Insurance Policy. * ^ HARTFORDL T 31 Hartford Fire Insuianje Company -5 New York Underwriters Insurance Comoan insurance croup y Hartford Accident and Indemnity Company '-1 7 Twin City Fire Insurance Company ro*o coMc^<wr , IT}! HarrrtffnorrHd fCaaasuuaallrtvy fInnstiuirruancrpe Conmpnanyv J Hartford, Connecticut 06115 The INSURER shall be the Company designated herein by Co. Code: Co. Coda _5__ policy no. 83 C 545401 b DECLARATIONS Items 1. Named Insured and Address- The named I \ Individual insured is: j___| Joint Venture | Previous Policy No. |83 C 542868B H Partnership | yI Corporation Other_______________ CHICAGO FIRE BRICK COMPANY WELLSVILLE FIRE BRICK CO 1461 Elston Ave Chicago, IL 60622 2. Policy PeriodTM -------- -- &| Praducw', Nam. and Addm McMANUS PELL0UCH0UD asbc Cods INC -^From ccilOfVtl | 33 J 01/01/75 To 01/01/76 12:01 A. M., standard time at the address of the named insured as stated herein. Audit Period: Annual, unless otherwise stated. Semi-Annual Quarterly Monthly J 3. The advance premium for thla policy la aa atated below. Insurance ia afforded by the Coverage Parts forming a part hereof, subject to such limits of liability as are stated therein and subject to all the terms of the policy haring reference thereto. SUMMARY OF ADVANCE PREMIUMS COVERAGE PARTS ADVANCE PREMIUM Comprehensive General Liability Insurance Comprehensive Automobile Liability Insurance * 4287.00^ 1 7983.00 Automobile Medical Payment! Insurance Uninsured Motorieta Insurance Automobile Physical Damage Insurance * 211.00 1 86.00 % 3009.00 Premises Medical Payments Insurance Contractual Liability Insumnc. Personal Injury Liability Insurance A^ $ 1 171.00 Garage Insurance t Michigan NO Fault Insurance * 280.00 Form Numbers of Coverage Parts sad endorsements not listed on Coverage Paris lorming pert of Policy at issue: awr ai A3114-0, G1760-7(lNpH,MI,M0), A3007-0, A3008-1,A3009-] (3^TMe A3011-1, L3503-0, L3523-O, A3137-0,A3098-l,AL-36-0 premium s 1 ! 1,16,027.00 If Policy Period more than one year: Gross Premium t r. r . . . Discount S 2nd Anniversary 1 BUILDING MATERIALS 5. During the past 3 years no I nsurer has cancelled insurance, issued to the named insured, similar to that afforded hereunder unless otherwise stated herein. EC/JN/FM 01/03/75 Countersigned by ^^JrUihcmtd Agent Form AL*3lf Pruned in U. S. A. Chicago Fire Brick Annual Reports and CHICAGO FIRE B8JCX CO. CHICAGO. IU * DATE 9 "/* -I'll) -- From the 00)1 ot DONALD WARMBIR B C-Gt^-ei Jj? 4 4v / UjJLj-%' CJL.. CoLCi^ U jL^~ *j> : -/f74^/W^- Cs~^ ^--7'73 J><zl/\iAL /Jo. ZR^u)(,//a3?7/' B*>**& jjejbui^.--'Oi/ <3^ /f 5s '^r^^S. CHICAGO FIRE BRICK CO. U67 NO. ELSTON AVI. CHICAGO, ILL 60<S22 Chicago Fire Brick Annual Reports and lnc,,^r.^ nnr\v>A From tht Dak of DONALD WARMBIR CHICAGO ITRE BRICK CO. 7 -!-)f7S' PuiJLn % 6*o0^ 0^ * j<x - fyr**c jRfifcD /At otl )f?fCAT. s** fbJJTi/iC. <~-J->73^-5/tiAC l^TAtL. Vf\LUt~*5718.60 Chicago Fire Brick Annual Reports and Insurance 000327 From tiie Desk oi DONALD WARMBIR CHICAGO FIRE BRICK CO. CHICAGO. ILL MSB 3-3/-'?T~ <_ / i r~, dM#,6ACt<* OaJ/./AJ-*3<-/9?5 C'teU TM&fgMJ OK) /97S'C/kLUXsyjMJ -4 r- 7S~-- SczXiAC *XLC?A?jfe)f/7. Rm it UAtifc^ <SSoa 0 a A U&roK CHICAGO F'RE ERICK CO, 1467 NC. E.STON AVE. CHICAGO, ILL 60622 Chicago Fire Brick Annual Reports and Insurance 000328 From the Dak of DONALD WARMBIR CHICAGO FIRE BRICK CO. CHICAGO. OX. MSI DUB _? :-7f !SI- <1 Oa) ,jQ(T*lf- /971 OL0S Ik AM iAJ oAj /yyy OU?S-fto^<L ^ 7-7 r MtflL ^3A}L?'T'sn JZ3 7?/ /?L. is / c_ iJ/\ iLOL' -- ~?0> 7 70 /? 7^ ' CHICAGO FIRE BRIO? CC& 1467 NO. ELSTON AVL CHICAGO, ILL 60622 Chicago Fire Brick Annual Reports and Insurance 000329 Out-of-State Insurance THE HARTFORD It is agreed that, subiect to all the provisions of the policy except where modified herein, the following provision is added: If, under the provisions of the motor vehicle financial responsibility law or the motor vehicle compulsory insurance law or any similar law of any state or province, a non-resident is required to maintain insurance with respect to the operation or use of a motor vehicle in such state or province and such insurance requirements are greater than the insurance provided by the policy, the limits of the company's liability and the kinds of coverage afforded by the policy shall be as set forth m such law, in lieu of the insurance otherwise provided by the policy, but only to the extent required by such law and only with respect to the operation or use of a motor vehicle in such state or province; provided that the insurance under this provision shall be reduced to the extent that there is other valid and collectible insur ance under this or any other motor vehicle insurance policy. In no event shall any person be entitled to receive duplicate payments fc the same elements of loss. Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement forms a part of the policy, issued by THE HARTFORD INSURANCE GROUP company designated therein, which indicates this endorsement forms a part thereof, and takes effect as of the effective date of said policy. President A-3114-O Printed in U. S. A. (ISO: A979a) Chicago Fire Brick Annual Reports and Insurance 000330 X The HAnfFORD fflSl'IU Yt CROUP -4iiiqo co*wecTicv COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE COVERAGE PART This Coverage Part forms a part of Policy No. 83 C 5^5^01E issued by THE HARTFORD INSURANCE GROUP Company designated therein, and takes effect as of the effective date of said policy unless otherwise stated herein.________ (For use only if thts Coverage Part ts effective after the effective date of the Policy) This Coverage Part is effective . fat the hour stated in the policy) and forma a part of the above designated policy issued to _______________ _____________________ The Company, in consideration of the payment of the premium and subject to all of the provisions of the policy not expressly modified herein, agrees with the named insured as follows: SCHEDULE The insurance afforded Is only with respect to such of the following coverages as are Indicated by specific premium charge or charges. The limit of the company's liability against each such coverage shall be as stated herein, subject to all the terms of this policy having reference thereto. Coverages C -- Bodily Injury Liability D -- Property Damage Liability Advance Premiums * 5964.00 s pmo.nr) Description of Hazards Limits of Liability i S 1000 ! s 1000 s 500 ,000 each person ,000 each occurrence ,000 each occurrence 1. Owned Automobiles Premium Basis -- Per Automobile Year Model Body Type Truck Size Identification No. (I) Town end Star# In which Trade Name (Truck Load. GaUonage. Serial No. (S) the automobile will be Bue Seating Capacity) Motor No. (M) principally garaged (a) Purpoee of Ifa* Claeetflcatlon Advance Premiums Coverage C Coverage D SEE SCHEDULE A3553-0 5850.00 12.00 1976.00 4.00 2. Hired Automobile* ______ Premium Bsi>--Coat of Hire Typm Hind Locution* *hn automobile* will (b) b prtnclpsUy u**d Purpnaa* of U-- () Rata* pr SIM Coat of Hire Go*t of Hire Coverage C Covers** D TO BE DETERMINED 3. Non-Owned Automobiles Premium Basis--Class 1 Persons and Class 2 Employees Cuw 1 Pereona--Location at Headquarters of CTaae 1 Pereone end Total Number o< euch person* at each location Rat-- Per Person Coverage C Coverage D 5 Chicago. IL (44)12.61 Class 2 Employees Estimated Arerage Number Location of Headquarter* of Claes 2 Employees 4.66 j Rates Per Employee Covers** C Covers** D 65.00 25.00 203____________________ ;_________________Chicago, .18 .07 37.001 Form Numbers of Eadorsements-forming part oi this Coversge Part at issue: A3553-0 A3471-0 i TOTAL ADVANCE I PREMIUMS $ 5064.00 !> The conditions and provisions printed on page CAL-2 of this form are hereby referred to and made a part hereof. 14.00 2019.00 This Coverage Port shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this Coverage Part taies effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said ponc\ by a duly authorized agent of the company shall constitute valid countersignature of this Coverage Part. (a) P hr B Pleasure and Buttness] C Commercial (b) PP -- Pntaie Passenger C * Commercial Automobile Form \-i007*0 Printed in L' S A J 72 (ISO: CAL) Countersigned by CAL-1 Authorized Agent Chicago Fire Brick Annual Reports and Insurance 000331 COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE COVERAGE PART (continued) I. COVERAGE C--BODILY INJURY LIABILITY COVERAGE D--PROPERTY DAMAGE LIABILITY t c:~ipony will pay on behalf of the insured all sums which the .2 ' - .1 become legally obligated to pay as damages fcccau=e cf Coverage C. bodily injury cr Coverage D. property damage to ..bah this insurance applies, caused by an occurrer.ee and arising : t . * t! a o .t. ..`il'.ip, maintenance or un, v.c'nding leading and ! g, i cr.;- - "ltd the company ' r'l nave thj right a.ti ; i::*:nd a. t a iz.lr.st the insured seeking damages on account a m 1* y\.*y or # roperiy damage, e\ :n 1; any of the allegations -: dee fit arc groundless, fa!.e.or fraudulent, np.d may make such investigation ana settlement of any claim or suit as it deems expedient, b : d.o company *.:rll not be obligated to pay any claim cr juamneae f * ' ` ` .ft.'.d n.ty suit after the applicable built cf the company s iia- : by .. s been exhausted by payment ci^ idgncnts or settlement?. C:::.':loa3 Cl is ntsurance does not apply: (-) :o ' ability assumed by the insured undor arty contract cr nar:c- , (iii) an executive officer with respect to an automobile owned ' v h:m or by a member of his household; (iv) ar.y person or organization, other than the nz::d ' '*. .:h respect to: retor'vehicle while used with any Uc.'.or - 1 red by such person or organization and act coy: - .i l.he insurance in the company (except a trailer c.s'pr. 1 ::r use with a private passenger automobile and net be ; `r-d for business purposes with another :a - e .. "h-.'c'e), or used v.-ihi a.:y -.ctaa .bi:`: :a by such person cr crgaalzatlxt a.-.d................... .a . uarance in the company; (v) ar.v perion while employed in or otherwise tngcp.'d A ;n tcnaection. with an automobile business, z : t: :sli': business operated by the n^.ned f "***j :.:surn:c: baas not apply to bodily y- nrCLig cut cf (A a m-oioned automobile used bi ...a .,a rartnershin :r ;ainc venture of which the insured is a . btr and which is not designated in this policy as a (2)yf tl:e named insured is a partnership, an a: .V iz : . registered in the name of a partner thereof. c. r ___ (b) to - ry obligation for which the insured cr any carrier as his insurer r.'.ay be held liable under any workmen's compensation, unemploy ment compensation or disability benefits law, or under any similar la."/; (c) to bodily injury to any employee cf the insured arising out of and bn the course cf his employment by the insured or to any obligation cf the wound to indemnify another because of damages arising out of such injury, bu* this exclusion does not apply to any such injury -.rising cn: cf and in the course of domestic employment by the ins.ir.L unless benefits therefor are in whole or in part either payable r truired to be provided under any workmen's compensation law; (d) to property damage to (1)p roperty owned or being transported by the insured, cr (2) property rented to or in the care, custody or control of the :surcd, or as to which the insured is for any purpose exercis ing physical control, other than property damage to a residence cr private garage by a private passenger automobile covered by this insurance; (e) to bodily i.ijury or property damage due to war, whether or not declared, civil war, insurrection, rebellion or revolution or to any not cr condition incident to any of the foregoing, with respect to ponses for first aid under the Supplementary Payments provision. (f) .c b.d.ly i jury or properly damage arising out of the discharge, akpers:.l, release ae escape of smoke, vapors, soot, fumes, acids* oil-nils, toxic chemicals, liquids or gases, waste materials or other .rrxnntm contaminants or polutants into or upon land, the atmosph.sre cr any watercourse or body of water; but this exclusion does r.cc apply If such discharge, dispersal, release or escape is sudden nr.d accidental. II. PARSONS INSURED R- :h o; the following is an insured under this insurance to the extent set forth below: (a; cbe :r::::ci insured; (b) r.nv partner cr executive officer thereof, but with respect to a non~ .y.cd 2-:tomobile only while such automobile i9 being used in the b'. iinsss cf the named insured; (c) r .ti er person while using an owned automobile or a hired auto* > vith :ke permission of the named insured, provided his actual eperation or (if he is not operating) his-other actual use thereof is -vichin the scope of soch permissron, tmt with respect to busiuj injury or property damage arising out of the leading or un load r.g thereof, such other person shall be an insured only if he is: n.) a lessee or borrower of the automobile, or 1 j an employee of the named insured or of such lessee or borrower; (d) any other persoror organization bat only with'respect to hi}'or its `liability because o? acts or emissions of hn insured under (a)', (b) or >) above. None of the' following ip an insured: fi) any person while engaged In the business cf his employer with respect to bodily injury to any fellow employee of such person injured in the course of his employment; hi) the owner or lessee (of whom the named insured is a sub'cssce) cf a hired automobile or the owner of a non-ovmed auto.r.vbtle, or any agent or employee cf any such owner or lemeo; III. LIMITS OF LIABILITY Regardless cf the number cf (1) insureds under this policy, (21 - sous or organizations who sustain bodily injury cr properly , (3) ciaims made or suits brought on account of bodily injury or damage or (4) automobiles to which this policy applies, the cornea y ; liability is limited as follows: Coverage C--The limit of bodily injury liability stated in the -chc- . as applicable to "each person" is the limit of the company's liability - all damages, including damages for care and loss of services, because . 1. illy injury sustained by one person as the result of any one occurr: . but subject to the above provision respecting "fiach person", the :c liability of the company for all damages, including damages for cr-'. and loss of services, because of bodily injury sustained by two cr : persons as the result of any one occurrence shall not exceed the 1.-:: ; bodily injury lidbility stated in the schedule as applicable to . occurrence". Coverage D--The total liability of the company .dr all da .a - s because of all property damage sustained by one ?r .-.ere p:::c; s organizations as the result of any one occurrence shall net exceed . \i limit of property damage liability stated in the schedule as app let : to "each occurrence". Coverages C ar.d D--For the purpose of determining : . --. . company's liability, all bodily injury and property da cf continuous cr repeated exposure to substantially the ;arv : conditions shall be considered as arising out of one occur:: j .: TV. FOLICY PERIOD; TERRITORY This insurance applies only to bodily injury or property occurs within the territory described In paragraph (1) cr .2. definition of policy territory. : ...i V. ADDITIONAL DEFINITIONS When used in reference to this insurance (including end:::;.-.:..-: forming a part cf the policy): "automobile business'' means the business or occupation c: ... repairing, serv.cing, storing or parking automobiles; "hired automobile" means an automobile not owned by rite insured which Is used under contract in behalf cf, cr lamed 'ii'ned insured, provided such automobile is not owned by ' tered in tr.e name cf (a) a partner or executive oulcer cf the . i-:::tred or ,b; na employee or agent of the named incur-'i . ; grunted an operating allowaace of any sort for the u-e automobile; : "ncr.-OTuncd automobile" means an automobile which is o'jy.cd automobile nor a hired automobile; :r m "cioned automobile" means ail automobile owned by the :o . v:oit<ed; ^ `' "private passenger automobile" means a four wheel private pastengtr or station wagon type automobile; "trailer" includes semi-trailer but-doea not include mobile esw.ph.. it. VI. ADDITIONAL CONDITION Excess Insurance--Hired and Non-Owned Automobiles With respect to a hired automobile or a non-osvr.ed mlomobile, **: insurance shall be excess insurance over any other vai-.d ana at- -tv.b.e iiMi.-ance available to the insured. Form A-3007-0 CAL-2 Chicago Fire Brick Annual Reports and Insurance 000332 McManus & Pellouchouo, Inc. IN9UHANCC COUNSCLOftS QOiflO Of TAOC Sum-oino 41 *CST J *C* SON 8tv0. Chicago, Illinois sosoa ^CLCPMONC (312) *2?-l0l SMtbr 5, 1975 Mr. Richard E. Austin * State of Michigan ohlftlo Registration Lansing, Michigan k&92k RE: Various vehicle* *0C* 8*CManuS VCMMON J.PtLLOuCOWO 7OH*$ J. Sasscrr John E.*cuchc... John Z mcCan JOHN MgOPMT LtO A OOEtk POBT u :-Cv3 . pATBiC ..C7S**' pOC*T H *cas 3*IAN * e Gentlemen: Enclosed are certificates of Insurance evidencing coverage for ' the above captioned job. If you have any questions, please do not hesitate to call this office. Very truly yours, end. cc: Chicago Mrs lrlek Coamany McManus & Pellouchoud, Inc. j X * V<-I__/> C Mary Koeiovieh Chicago Fire Brick Annual Reports and Insurance 000333 X THE KUiTFORD . H \ V L MU Il I' CERTIFICATE OF INSURANCE | X Hartford Fire Insurance Company - X Hartford Accident and Indemnitv Company X Hartford Casualty Insurance Company 5 New York Underwriters Insurance Company 7 Twin City Fire Insurance Company ! hi' i-. (< Lcrtil y that the compain designated lit rim b> C') Code has issued to the named insured i he poIirC' enumerated bclrm . C# Cod* 5 \ med 1 u?ured and Addre? Chicago Fire Brick Coapeay l%6l forth SXrton Amu* Chicago, 111tnola 60622 I lie pohiK.-i indie,iiL'tl hvrein -ippK with respect to liic hazards and lor the coverages and limits ot liability indicated In -.pccilic enirt lierein lint tins certificate of insurance does not amend, extend or otherwise alter the terms and conditions ol the insurance coverage in the policies identified herein. Co Ferages and Limits of Liability 'SINGLE LIMIT) (DUAL LIMITS) Hazards Policy Number and Policy Term Bodily Injury and Property Damage Liability each occurrence aggregate BodUy injury Liability each occurrence aggregate Property Damage Liability each occurrence aggregate General Liability IVcmisCN-Opcrations Independent Contractors Completed Operation* Product* Contractual (an described below) s ,000 s ,0001$ ,000 XXXX s ,000|S s .000 s .0001$ ,000 xxxx $ .ooois 11 $ ,000'i ,ooo|$ ,000 $ ,oooi$ .ooois $ .000$ ,oooi$ ,000 xxxx s , ooois Coverages and Limits of Liability (SINGLE LIMIT) (DUAL LIMITS) .000 ,000 ,000 ,000 Hazards Policy Number and Policy Term Bodily Injury and Property Damage Liability each occurrence aggregate | Bodily lojury Liability tach penon each occurrence Property Damage Liability each occurrence aggregate Automobile Liability Owned Automobiles Hired Automobiles 1/1/76 - 77 flic AhTfcn n \on*Owned Automobiles ! I Workmen's Compensation and Employers' Liability * t $ * ,000 xxxx 9, |MM .000 *i,non 0008 500 .0001 xxxx ,000 xxxx 1* ,000 $ ,000'$ ,0001 xxxx t i ,000!$ . i ,0001$ 11 1l1 Compensation -- Statutory i Employers' Liability -- s .000) xxxx .000: xxxx 000 Umbrella Liability ! ,000,000 * I f with respect to Automobile Liability the Policy Number entered above includes the symbol GB, AZ, MVP, MAG of PGB, the u ord occurrence is amended to read "accident". Location and description of operations, automobiles, contracts, etc. (.For contracts, indicate type of agreement, parte and date.) 197% Pontlae S/1 2LS9R%X130%05 196% Char. SteOfgn. 197% Fertile 3/S 2P%SW%Fl6257% S/I %56%5n.709% 197% Ford Srtaa S/I %B63S220698 1972 GW Stake 8/1 IWT321527%33 If policy is canceled,ta Uj 1 State of MlehlgM written notice will be given to: ) Vohlela Baglrtratlom I Uaalag, Wdigaa %892% Date 12/5/75 Form \L-I2J nted hi L' S \. By A J Authorized Representative Chicago Fire Brick Annual Reports and Insurance 000334 Ul VUIUIUUUUC3 T jiT N a m e a n il A d d re a a o f ^ o P ayeef Chicago Fire Brick Annual Reports and Insurance 000336 id A d d re s s o ( l oss l ' a yce Chicago Fire Brick Annual Reports and Insurance 000337 N o! I N am e a m i Addre# of I.o m Payee Chicago Fire Brick Annual Reports and rn^ur^nre 000 Annual Reports and Insurance 000339 Schedule of Automobiles and Covered Automobiles I I , i- S .l..,l,ik - fu r,,., , , , r l ,, ( I*..... .. n , 3 c 5 ^ 5 ^ 0 1 E IS.NC.I I.) n i l . 11 \ K I I O K I > I N S U K \N C I-: I -IU-i liv e (l.,u- 0 1 / 0 1 / 7 5 Schedule of Automobiles and Covered Automobiles (T h is S th cd n le fo rm s a p a rt of 1 'o ltrj N<S 3 C 5 4 5 4 0 1 E I ^ im l I.) m i : II \ k I F O K I) IN S U K \N C I-; i K O I ) I* C unpan> designated th e re in . a n d takes effect as of the e ffe ctive date of said p u lle y unless a n o th e r e ffe ctive K fle c iiv t d.,R- 0 1 /0 1 /7 5 12:01 A M stai IKOOO aauEjnsui pue suodag |Enuuv qnug sjij o3EDiq3 Use of Other Automobiles Coverage-Limited Form THE HARTFORD Named Insured and Address This endorsement formsa part of Policy No. 83 C 5454Q1E issued bv THE HARTFORD INSURANCE GROUP company desig nated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. Effective date 01/01/75..... ... 12:01 A. M., standard time at the address of the named insured as stated herein. 1 Th'6. endorsement modifies such insurance as is afforded by the provisions of the policy relating to the following: I COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE ! BASIC AUTOMOBILE LIABILITY INSURANCE I AUTOMOBILE MEDICAL PAYMENTS INSURANCE SCHEDULE The insurance afforded because of the naming below of any individual or partnership is only with respect to such and so many of the following coveraces as are indicated by specific premium charge or charges for such individual or partnership. Name of Individual or Partnership (Enter relationship, "Partnership", or "Employee") Occupation Bodily Injury Liability Premium Property Damage Liability Automobile* Medical Payment! GEORGE V YOUNG 12.00 4.00 7.00 MARGARET YOUNG Wife N/C N/C N/C Total Premium $ Included h is agreed that the insurance, under the bodily injury liability and property damage liability coverages and division 1 of the Automobile Medical Payments coverage, with respect to any owned private passenger automobile also applies with respect to any other automobile, subject to the following additional provisions: 1 Persona Insured With respect to the insurance afforded by this endorsement for bodily injury liability and for property damage liability the "Persons Insured'' provision is replaced by the following: Each of the following is an insured under this insurance to the extent set forth below: (a) each individual named in the schedule of this endorsement and, while a resident of the same household, the spouse of such individual, (b) any other person or organization, not owning or hiring the automobile, but only with respect to his or its liability because of acts or omis sions of an injured under (a) above. 2 Exclusions This insurance does not apply: (a) to any insured while engaged in the business of his employer with respect to bodily injury to a fellow employee of such insured injured in the course of his employment; I'b) to any insured while employed in or otherwise engaged in duties in connection with an automobile business; ic) if the individual named in the schedule of this endorsement is an employee, to the employer of such individual; id; if the individual named m the schedule of this endorsement is a partner, to the partnership of which such individual is a member, unless such partnership is designated in the schedule of this endorsement; le) to any automobile owned by or furnished or available for the regular use of such named individual, his spouse or any resident of the same household other than a private chauffeur or domestic servant of such named individual or spouse; (f 1 to any automobile while used in the business or occupation of the named individual or spouse except a private passenger automobile operated or occupied by such named individual, spouse, or a private chauffeur or domestic servant of such named individual or spouse; 1 to any automobile while used by any insured as a public or livery conveyance; but this exclusion does not apply to bodily injury or property damage which results from the insured's occupancy of such automobile other than as the operator thereof. 3 Excess Insurance. The insurance afforded by this endorsement for bodily tnjury liability and properly damage liability shall be excess over any other valid and collectible insurance, whether primary, excess or contingent, available to the insured. 1 he insurance afforded by this endorsement for Automobile Medical Payments shall be excess over any other valid and collectible automobile medical payments or automobile medical expense insurance, whether primary, excess or contingent. Note: If .1 premium charge is indicated in the Automobile Medical Payments column, the individual named opposite thereto is the designated individual for purposes of division 2 of Automobile Medical Payments Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy , other than as herein stated Tnt endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement takes effect of rhc effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company haii constitute valid countersignature of this endorsement A-155.0 Printed n U. S A (ISO: CP-09-2J) Ed. l-`7 Countersigned by Authorized Agent Automobile Medical Payments Insurance Coverage Part THE HARTFORD Thia Coverage Part forms a part of Policy No ^3 C 5^5^-OlE issued by THE HARTFORD INSl'RANCE GROf P Company designated therein, and takes effect as of the effective date of said policy unless otherwise stated herein. {For use only if this Coverage Part is effective after the effective date of the Policy) This Coverage Part is effective policy issued to (at the hour stated in the policy)and forms a part of the above designated The Company, in consideration of the payment of the premium and subject to all of the provisions of the policy not expressls modined herein, agrees with the named insured as follows: SCHEDULE The insurance afforded is with respect to the following coverage as indicated by specific premium charge or charges. The limit of the company's liability against such coverage shall be as stated herein, subject to all the terms of this policy having reference thereto. Coverages F -- Automobile Medical Payment! Advance Premium $ 211.00 ! Limit! of Liability i $ 5000 each person Designation of AutomoMlea--Division 1 (1)0 Any owned automobile (2) Any hired automobile (3) 3 Any licensed owned private passenger automobile SEE SCHEDULE $20^4* *00 (4) O Any automobile described in the schedule and designated "M.P." (5) G Any non-avmed automobile (6) a . A3553-0 ($7.00) 7.00 Designated Person Insured--Division 2 Advance Premium S $ S Form Namben of Endorsements forming part of this Coverage Part st issue: The conditions and provisions printed on page AMP-2 of this form are hereby referred to and made a part hereof. This Coverage Part shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this Coverage Part .jr.es effect as of the effective date of the policy and. at issue of said policy, forms a part thereof, countersignature on the declarations page 01 said puuc. try a duly authorized agent of the company shall constitute valid countersignature of this Coverage Part. \-300S-l Printed m U. S. (ISO: CP-00-15) Ed i- 74 Countersigned by AMP-1 A nlhonzed .-1 ger.t Chicago Fire Brick Annual Reports and Insurance 000342 Automobile Medical Payments Insurance Coverage Part {ccntinuei) I. COVERAGE F--AUTOMOBILE MEDICAL PAYMENTS The company will pay all reasonable medical expense incurred within one year from the date of the accident: Division I. to or for each person who sustains bodily injury, caused by accident, while occupying a designated automobile which is being used by a person for whom bodily injury liability insurance is afforded under this policy with respect to such use; Division 2. to or for each insured who sustains bodily injury, caused by accident, while occupying or, while a pedestrian, through being struck by a highway vehicle. Exclusion* This insurance does not apply: (a) to bodily injury to any person or insured while employed or other wise engaged in duties in connection with an automobile business, if benefits therefor are in whole or in part either payable or required to be provided under any workmen's compensation law; (b) to be lily injury due to war, whether or not declared, civil war, insurrection, rebellion or revolution, or .to any act or condition incident to any c the foregoing; (c) under Divirion 1, to bodily injury to any employee of the named insured arising outof and in the course of-employment by thel named insured, but this exclusion does not apply to any such bodily injury arising out of and in the course of domestic employment by the named insured unless benefits therefor are in whole or in part either payable or required to be provided under any workmen's compensation law; (d) under Division 2, to bodily injury sustained while occupying a highway vehicle ownfed by any insured, or furnished for the regular use of any insured by any person or organization other than the named insured. n. PERSONS INSURED--DIVISION 2. Each of the following is an insured under this Insurance to the extent set forth below: (a) any person designated as insured In the schedule; (b) while residents of the same household as such designated person, his spouse and the relatives of either; and if such designated person shall die, any person who was an insured at the time of such death shall continue to be an insured. III. LIMIT OF LIABILITY Regardless of the number of (1) persons or organizations who are insureds under this policy, (2) persons who sustain bodily injury, (3) claims made or suits brought on account of bodily injury or (4) design noted automobiles to which this policy applies, the limit of liability for medical payments stated in the schedule as applicable to "each person'1 is the limit of the company's liability for all medical expense incurred by or on behalf of each person who sustains bodily.tnjury as the result of any one accident. When more than one medical payments coverage afforded by this policy applies to the loss, the company shall not be liable for more than the amount of the highest applicable limit of liability. IV. ADDITIONAL DEFINITIONS The additional definitions applicable to automobile bodily injury liability insurance also apply to this insurance; and when used in reference to this insurance (including endorsements forming a part ci the policy): "designated automobile?* meaas an automobile designated in the schedule and includes: (a) an automobile not owned by the named insured while temporarily used as a substitute for an owned automobile designated in the schedule when withdrawn from normal ure for servicing cr repair or because of its breakdown, loss or destruction; nr.d (b) a trailer designed for use with a private passenger automobile, if not being used for business purposes with another type zuiomobile and if not a home, office, store, display cr passenger trailer; "highway vehicle" means a land motor vehicle or trailer other than (a) a farm type tractor or other equipment designed for use princi pally off public roads, while not upon public roads, (b) a vehicle operated on rails or crawler-treads, or (c) a vehicle while located for use as a residence or premises; umedical expense" meauj expenses for necessary medical, surgical, x-ray and dental' services, including prosthetic devices, and neces sary ambulance, hospital, professional nursing and funeral services; "occupying* means in or upon or entering inw or alighting from. V. POLICY PERIOD; TERRITORY This insurance applies only to accidents which occur during the policy period within the territory described in paragraph (l)or < :) of the definition of "policy territory ( * ) -' VI. ADDITIONAL CONDITIONS A* Medical Reports; Proof and Payment of Claim As soon as practicable the injured person or someone on his behalf shall give to the company written proof of claim, under oath u required, and shall, after each request from the company, execute authorization to enable the company to obtain medical reports ar.d copies of records. The injured person shall submit to physical examination by physicians selected by the company when and aa oftea as the company may reasonably require. The company may pay the injured person or any person or organization rendering the services and such payment shall reduce the amount payable here under for such injury. Payment hereunder shall net constitute an admissioa of liability of any person or, except hereunder, of the company. B. Excess Insurance Except with respect to aa owned automobile, the insurance under Division 1 sha.l be excess insurance over any other valid ar.d col lectible automobile medical payments or automobile medical ex pense insurance. The insurance under Dlvisioa 2 shall be excess insurance ever any other valid and collectible automobile medical payments or auto mobile medical expense insurance available to the insured under any other policy. G Non-Appllcablllty of Subrogation Condition The Subrogation Condition does sot apply to the Automobile Medical Payments Coverage, A-3MS-1 AMP-2 Chicago Fire Brick Annual Reports and Insurance 000343 Protection Against Uninsured Motorists Insurance Coverage Part THE HARTFORD This Coverage Part forms a part of Policy No. 0 j U 5^402.15 ssued by THE HARRTFORD INSURANCE GROUP Company designated therein, and takes effect as of the effective date of said policy unless otherwise stated herein. {For use only if this Coverage Part is effective after the effective date of the Policy) This Coverage Part is effective . . (at the hour stated in the policy) and forms a part of the above designated policy issued to________________ ____________ . ........... .................. The Company, in consideration of the payment of the premium and subject to all of the provisions of the policy not expressly modified herein, agrees with the named insured as follows: SCHEDULE The Insurance afforded Is only with respect to such of the following coverages as are indicated by specific premium charge or charges. The limit of the company's liability against each such coverage shall be as stated herein, subject to ail the terms of this policy having reference thereto. CoTerage U -- Goineured MotorUt. Designated Insured: Advance Premium * 16.00 * 20 * 40 Limits of Liability ,0M each penon ,M# each accident Description of Insured Highway Vehicles (Check appropriate box) 2S Any automobile owned by the named insured SEE SCHEDULE " MX Any private passenger automobile owned by the named insured Any highway vehicle to which are attached dealer's license plates issued to the named insured Any highway vehicle designated in the schedule of the policy by the letters "UM" and a highway vehicle ownership of which is acquired during the policy period by the named insured as a replacement therefor G Any mobile equipment owned or leased by and registered in the name of the named insured I. COVERAGE U -- UNINSURED MOTORISTS (Damages for Bodily Injury) The company wilt pay all sums which the insured or his legal representative shall be legally entitled to recover as damages from the owner or operator of an uninsured highway vehicle because of bodily injury sustained by the insured, caused by accident and arising out of the ownership, maintenance or use of such uninsured highway vehicle; provided, for the purposes of this coverage, determination as to whether the insured or such representative is legally entitled to recover such damages, and if so the amount thereof, shall be made by agreement between the insured or such representative and the company or, if they fail to agree, by arbitration. No judgment against any person or organisation alleged to be legally responsible for the bodily injury shall be conclusive, as between the insured and the company, of the issues of liability of such person or organization or of the amount of damages to which the insured is legally entitled unless such judgment is entered pursuant to an action prosecuted by the insured with the written consent of the company. Exclusion* This insurance does not apply: (a) to bodily injury to an insured with respect to which such insured, his legal representative or any person entitled to payment under this insurance shall, without written consent of the company, make any settlement with any person or organization who may be legally liable therefor; (b) to bodily injury to an insured while occupying a highway vehicle (other than an insured highway vehicle) owned by the named insured, any designated insured or any relative resident in the same household as the named or designated insured, or through being struck by such a vehicle, but this exclusion does not apply to the named insured or his relatives while occupying or if struck by a highway vehicle owned by a designated insured or his relatives; (c) so as to inure directly or indirectly to the benefit of any workmen $ compensation nr disability benefits carrier or any person or organ ization qualifying as a self-insurer under any workmen's compen sation or disability benefits law or any similar law. II. PERSONS INSURED Each of the following is an insured under this insurance to the extent set forth below: (a) the named insured and any designated insured and. while residents of the same household, the spouse and relatives of either: (b) any other person while occupying an insured highway vehicle; and (c) any person, with respect to damages he is entitled to recover because of bodily injury to which this insurance applies sustained by an insured under (a) or (b) above. The insurance applies separately with respect to each insured, except with respect to the limits of the company's liability. The conditions and provisions printed on pages UM-2 and UM-3 of this form are hereby referred to and made a part hereof. This Coverage Part shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this Coverage Part takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this Coverage Part. A-3MV-I Printed in U. S. A. (ISO: CP-00-2S) Ed. t- 74 Countersigned by UM-l A uthorized A^tni Chicago Fire Brick Annual Reports and Insurance 000344 Protection Against Uninsured Motorists Insurance Coverage Part (Continued) III. LIMITS OF LIABILITY . s-s c: the number of (1) persons or organizations who are iv i-.'-'J; _ *der this policy, (2) persons who sustain bodily injury, ) e.a:~,: "'.no t suits brought on account of bodily injury, cr '-*) high- T v'h;cn this policy applies, the company's liability is -i t iilows: (a) .h; lim't of pliability stated in the schedule as applicable to each person" is the limit of the company's liability for aij images because cf sods.j injury sustained by one person as the r-:.t r: any cne accident and, cubject to the above provision :?ipcc...ng "each person", the limit cf liability stated in the sc.icau.e ns applicable to "each accident" is the total limit of the company's liability for ail damages because of bodily injury suscamed by two or more persons as the result of any one accident. (b) Any amount payable under the terms of this insurance because of bodily injury sustained in an accident by a person who is aa insured under this coverage shall be reduced by (1) all sums paid on account of such bodily injury by or on behalf of (H the owner or operator of the uninsured highway vehicle and (ii) any other person or organization jointly or severally liable together with such owner or operator for such bodily injury, including all sums paid under the bodily injury liability coverage of the policy, and (2) the amount paid and the present value of all amounts payable on account of such bodily injury under any workmen's com pensation law, disability benefits law or any similar law. (c) Any payment made under this insurance to or for any insured shall be applied in reduction of the amouat-of damages which-he may be entitled to recover from-any person* or organization who is an insured under the bodily injury liability coverage of the policy. (d) The company shall not be obligated to pay under this insurance that part of the damages which the insured may be entitled to recover from the owner or operator of an uninsured highway vehicle which represents expenses for medical services paid or payable under the medical payments coverage of the policy. IV. POLICY PERIOD; TERRITORY This insurance applies only to accidents which occur during the policy period and within the United States of America, its territories or possessions, or Canada. V. ADDITIONAL DEFINITIONS When used in reference to this insurance (including endorsements forming a part of the policy): "designated insured" means an individual named in the schedule under Designated Insured; "highway vehicle" means a land motor vehicle or trailer other than (a) a farm type tractor or other equipment designed for use prin cipally otf public roads, while not upon public roads, (b) a vehicle operated on rails or crawler-treads, or (c) a vehicle while located for use as a residence or premises; "hit-and-run ichicle" means a highway vehicle which causes bodily ury to an insured arising out of physical contact of such vehicle with the insured or with a vehicle which the insured is occupying at the time of the accident, provided: (a) there cr.nnot be ascertained the identity of either the operator cr owner of such highway vehicle; (b) zm insured or someone on his behalf shall have reported the Occident within 24 hours to a police, peace or judicial officer or to The Commissioner of Motor Vehicles, and shall have filed with the company within 30 days thereafter a statement under oath that the insured or his legal representative has a cause or causes of action arising out of such accident for damages against a person or persons whose identity is unascertainable, and setting forth the facts in support thereof; and (c) at the company's request, the insured or his legal representative makes available for inspection the vehicle which the insured was occupying at the time of the accident; "insured highway vehicle" means a highway vehicle: (a) described in the schedule as an insured highway vehicle to which the bodily injury liability coverage of the policy applies; (b) while temporarily used as a substitute for an insured highway vehicle as described in subparagraph fa) above, when with drawn from normal use because of its breakdown, repair, servicing, loss or destruction; (c) while being operated by the named or designated insured or by the spouse of either if a resident of the same household; but the term "insured highway vehicle" shall not include: (i) a vehicle while used as a public or livery conveyance, unless such use is specifically declared and described in this policy; no a vehicle while being used without the permission of the o- -- (in) under subparagraphs (b) and (c) above, a vehicle ov.msd / r *.e insured, any designated insured or any res,dent ' -same household as the named or designated insured; or (Iv) unaer sucparagraphs (b) and (c) above, a vehicle :urr..shri : the rpau;ar use of the named insured cr any resident :..i came heusehoid; "occupying" means ;n or upon or entering into or alighting from: "state" includes the District of Columbia, a territory or possess:'-.-i of the L. nited States, and a province of Canada; ".vrinsured highway vehicle" means: (a) a highway ifhide with respect to the ownership, maintenance or use of wnich there is. in at least the amounts specified bv the financial responsibility law of the sszse in which :he insured highway vehicle is principally garaged, r.o bodily injury liability bond cr insurance policy applicable at the time of the acc*der.: with respect to any person or organization legally responsible for the use of such vehicle, or with respect to which there is a bodily injury liability bond or insurance policy applicable at the time *of the accident but the company writing the same denies cov erage thereunder or is or becomes insolvent; or (b) a hit-and-run vehicle; but the term "uninsured highway vehicle** shall not Include: (i) an insured highway vehicle, (ii) a highway vehicle which is owned or operated by a self-insurer within the meaning of any motor vehicle financial responsi bility law, motor carrier law or any similar law, (Hi) a highway vehicle which is owned by the United States of America, Canada, a state, a political subdivision of any such government or an agency of any of the foregoing. VT. ADDITIONAL CONDITIONS A* Premium. If during the policy period the number of insured highway vehicles owned by the named insured or spouse or the number of dealer's license plates issued to the named insured changes, the named insured shall notify the company during the policy period of any change and the premium shall be adjusted in accordance with the manuals in use by the company. If the earned premium thus computed exceeds the advance premium paid, the named insured shall pay the excess to the company; if less, the company shad return to the named insured the unearned portion paid by such insured. B* Proof of Claim; Medical Reports. As soon as practicable, the insured or other person making :!}in shall give to the company written proof of claim, under oath required, including full particulars of the nature and extent cf the injuries, treatment, and other details entering into the deterr. ca tion of the amount payable hereunder. The insured and ev::y other person making claim hereunder shall submit to examination.* under oath by any person named by the company and subscri: > the same, as often as may reasonably be required. Proof of ~. shall be made upon forms furnished by the company unices ..-.u company shall have failed to furnish such forms within 15 5a; s after receiving notice of claim. The injured person shall submit to physical examinations by physicians selected by the company when ar.d as often as y.j company may reasonably require and he, or in the event n.s incapacity his legal representative, or in the event of h.s dea:n ::.s legal representative or the person or persons entitled to sue the::for. shall upon each request from the company execute authoriza tion to enable the company to obtain medical reports and cco.es of records. CL Asaiatance and Cooperation of the Insured. After notice of claim under this insurance, the company rr.av re quire the insured to take such action as may be necessary or appropriate to preserve his right to recover damages ;rcm a~v person or organization alleged to be legally responsible for tr.e bodily injury, and in any action against the company, tae company may require the insured to join such person cr organization as a party defendant. D.Notice of Legal Action. If, before the company make# payment of loss hereunder, the insured or his legal representative shall institute any legal action for bodily injury against any person or organization legally re sponsible for the use of a highway vehicle involved in the accident, a copy of the summons and complaint or other process served :n connection with such legal action shall be forwarded immediately to the company by the insured or his legal representative. A-3SS9-! UM-2 Chicago Fire Brick Annual Reports and Insurance 000345 Protection Against Uninsured Motorists Insurance Coverage Part (Continued) E. Other Insurance. With respect to bodily injury to an insured while occupying a highway vehicle not owned by the named insured, this insurance shall apply only as excess insurance over any other similar insur ance available to such insured and applicable to such vehicle as primarv insurance, and this insurance shall then apply only in the jmount by which the limit of liability for this coverage exceeds the applicable limit of liability of such other insurance. Except as provided in the foregoing paragraph, if the insured has other similar insurance available to him and applicable to the accident, the damages shall be deemed not to exceed the higher of the applicable limits of liability of this insurance and such other insurance, and the company shall not be liable for a greater pro portion of any loss to which this coverage applies than the limit of liability hereunder bears to the sum of the applicable limits of liability of this insurance and such other insurance. F. Arbitration. If any person making claim hereunder and the company do not agree that such person is legally entitled to recover damages from the owner or operator of an uninsured highway vehicle because of bodily injury to the insured, or do not agree as to the amount of payment which may be owing under this insurance, then, upon written demand of either, the matter or matters upon which such person and the company do not agree shall be settled by arbitra tion. which shall be conducted in accordance with the rules of the American Arbitration Association unless other means of conduct ing the arbitration are agreed to between the insured and the company, and judgment upon the award rendered by the arbitra tors may be entered in any court having jurisdiction thereof. Such person and the company each agree to consider itself bound and to be bound by any award made by the arbitrators pursuant to this insurance. G. Trust Agreement. In the event of payment to any person under this insurance: (a) the company shall be entitled to the extent of such pa\merit to the proceeds of any settlement or judgment that ma\ result from the exercise of any rights of recovery of such person against anv person or organization legally responsible :or the bodily injury because of which such payment is made; fb) such person >hall hold in trust for the benefit of the coim:.j:iv ill rights of recovery which he shall have agarnsC -uch ether person or organization because of the damages hu h .ire the subject of claim made under this insurance. (c) such person shall do whatever is proper to secure and shall do nothing after loss to prejudice such rights. (d) if requested m writing by the company. ->uch per>?n .-hall take, through any representative designated by the .ompum, - .cn action as may be necessary or appropriate to recover - .W. payment as damages from such other person or orgaiuaati.: . such action to be taken in the name oi such pery>n. m me event of a recovery, the company shall be reimburied out such recovery for expenses, costs and attorney' lees incurred by it in connection therewith: (e) such person shall execute and deliver to the company such instruments and papers as may be appropriate to secure the rights and obligations of such person and the company estab lished by this provision. H. Payment of Lou by the Company. Any amount due hereunder is payable (a) to the insured, or (b) if the insured be a minor to his parent or guardian, or (c) if the insured be deceased to his surviving spouse, otherwise (d) to a person authorized by law to receive such payment or to a person legally entitled to recover the damages which the payment represents; rovided, the company may at its option pay any amount due ereunder in accordance with division (d) hereof. UM-3 Chicago Fire Brick Annual Reports and Insurance 000346 Protection Against Uninsured Motorists insurance Coverage Part THE HARTFORD This Coverage Part forms a part of Policy No. 83 C :ssued by XHE HARTFORD INSURANCE GROUP Company designated therein, and takes effect as of the effective date of said policy unless otherwise stated herein. This Coverage Part is effective. policy issued to . {For use only if this Coverage Pari is effective after the effective date of the Policy) (at the hour stated in the policy) and forms a part of the above designated .............................. ............................................. .......... The Company, in consideration of the payment of the premium and subject to all of the provisions of the policy not expressly modified herein agrees with the named insured as follows: SCHEDULE The insurance afforded ie only with respect to such of the following coverages as are indicated by specific premium charge or chargee. The limit of the company's liability against each such coverage shall be as stated herein, subject to all the terms of this policy having reference thereto. Coverage U -- Uninsured Motoriete Designated Insured: Advance Premium * 68.00 : 1 * TO 1$ 2.6 Limit* of Liability ,904 each person ,0M each accident Description of Insured Highway Vehicles (Check appropriate oox) 23 Any automobile owned by the named insured Any private passenger automobile owned by the named insured SEE SCHEDULE XL OH Any highway vehicle to which are attached dealer's license plates Issued to the named insured G Any highway vehicle designated in the schedule of the policy by the letters "UM" and a highway vehicle ownership of which is acquired during the policy period by the named insured as a replacement therefor G Any mobile equipment owned or leased by and registered in the name of the named insured 1. COVERAGE U -- UNINSURED MOTORISTS (Damages for Bodily Injury) The company will pay all sums which the insured or his legal representative shall be legally entitled to recover as damages from the owner or operator of an uninsured highway vehicle because of bodily injury sustained by the insured, caused by accident and arising out of the ownership, maintenance or use of such uninsured highway vehicle; provided, for the purposes of this coverage, determination as to whether the insured or such representative ui legally entitled to recover such damages, and if so the amount thereof, shall be made by agreement between the insured or such representative and the company or, if they fail to agree, by arbitration. No judgment against any person or organization alleged to be legally responsible tor the bodily injury shall be conclusive, as between the insured and the company, of the issues of liability of such person or organization or of the amount of damages to which the insured is legally entitled unless such judgment is entered pursuant to an action prosecuted by the insured with the written consent of. the company. Exclusions This insurance does not apply: (a) to bodily injury to an insured with respect to which such insured, his legal representative or any person entitled to payment under this insurance shall, without written consent of the company, make any settlement with any person or organization who may be legally liable therefor; (b) to bodily injury to an insured while occupying a highway vehicle (other than an insured highway vehicle) owned by the named insured, any designated insured or any relative resident in the same household as the named or designated insured, or through being struck by such a vehicle, but this exclusion does not apply to the named insured or his relatives while occupying or if struck by a highway vehicle owned by a designated insured or his relatives; (c) so as to inure directly or indirectly to the benefit of any workmen's compensation nr disability benefits carrier or any person or organ ization qualifying as a seif-insurer under any workmen's compen sation or disability benefits law or any similar law. II. PERSONS INSURED Each of the following is an insured under this insurance to the extent set forth below: (a) the named insured and any designated insured and, while residents of the same household, the spouse and relatives of either; (b) any other person while occupying aa insured highway vehicle; and (c) any person, with respect to damages he is entitled to recover because of bodily injury to which this insurance applies sustained by an insured under (a) or (b) above. The insurance applies separately with respect to each insured, except with respect to the limits of the company's liability. The conditions and provisions printed on pages UM-2 and UM-3 of this form are hereby referred to and made a part hereof. This1 Coverage Part shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this Coverage Part takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this Coverage Part. A-JSSV-t Printed ia U. S. A. (ISO: CP-OO-23) Ed. 1-74 Countersigned by UM-l ^ uthonzed .-1 Chicago Fire Brick Annual Reports and Insurance 000347 Protection Against Uninsured Motorists Insurance Coverage Part (Continued) III. LIMITS OF LIABILITY i the number of (I) persons or organizations v.-ho are - .r poiicy, (2) persons who sustain bodily injury, (3) da "r. I: ;u::s brought on account of bodily injury, cr 'i) high- `d-V *!' - " ~j v-hich this policy appiies, the company's liab.iity is hrrwtea aj (allows: (a) - ne i..cfj:ibihty stated in thz schedule as applicable to "cadi r.tvicr.*' ,s the lim.t cf the company's liability for all damages occause of ?cduy injury sustained by one person as the re-a.. '..y r-e accident ar.a, subject to the above provision re.-p.ctin-; "each person ", the limit of liability stated in the schcuule as acpiicable to "each accident" is the total limit of the company's liability for all carnages because of bodily injury sustained by two cr mere persons as the result of any one accident. (b) Any amount payable under the terms of this insurance because of bodily injury sustained in an accident by a person who is an insured under this coverage shall be reduced by (1) ail sums paid on account of such bodily injury by or on behalf of (i) the owner or operator of the uninsured highway vehicle and (ii) any other person or organization jointly or severally liable together with such owner or operator for such bodily injury, including all sums paid under the bodily injury liability coverage of the policy, and (2) the amount paid and the present value of all amounts payable on account of such bodily injury under any workmen's com pensation law, disability benefits law or any simiJar law. (c) Any payment made under this insurance to or for any insured shall be applied in reduction of "the amount'of damages which}ie may be entitled to recover from any person or organization who is an insured under the bodily injury- liability coverage of the policy. (d) The company shall not be obligated to pay under this insurance that part of the damages which the insured may be entitled to recover from the owner or operator of an uninsured highway vehicle which represents expenses for medical services paid or payable under the medical payments coverage of the policy. IV. POLICY PERIOD; TERRITORY This insurance applies only to accidents which occur during the policy period and within the tfnited States of America, its territories or possessions, or Canada. V. ADDITIONAL DEFINITIONS When used in reference to this insurance (including endorsements forming a part of the policy): "designated insured* means an individual named in the schedule under Designated Insured; "highway vehicle" means a land motor vehicle or trailer other than (a) a farm type tractor or other equipment designed .Ur use prin cipally off public roads, while not upon public roads, (b) a \ehicle operated on rails cr crawler-treads, or (c j a vemcle while located for use as a residence or premises; "hit-and-run vehicle" means a highway vehicle which causes bodily injury to an insured arising out of physical contact of such vehicle with the insured or with a vehicle which the insured is occupying at the time of the accident, provided: (a) there cannot be ascertained the identity of either the operator or o .vr.er of such highway vehicle; (b) insured or someone on his behalf shall have reported the accident within 24 hours to a police, peace or judicial officer or ta the Commissioner of Motor Vehicles, and shall have hied with the company within 30 days thereafter a statement under cath that the insured or his legal representative has a cause or causes of action arising out of such accident for damages against a person or persons whose identity is unascertainable, and setting forth the facts in support thereof; and (c) at the company's request, the insured or his legal representative makes available for inspection the vehicle which the insured was occupying at the time of the accident; "insured highway vehicle" means a highway vehicle: (a) described in the schedule as an insured highway vehicle to which the bodily injury liability coverage of the policy applies; (b) while temporarily used as a substitute for an insured highway vehicle as descri&ed in subparagraph (a) above, when with drawn from normal use because of its breakdown, repair, servicing, loss or destruction; (c) while being operated by the named or designated insured or by the spouse of either if a resident of the same household; but the term "insured highway vehicle" shall not include: (i) a vehicle while used as a public or livery conveyance, unless such use is specifically declared and desorbed in this policy; (n) a vehic.e while being used without the permission of the owne(in) ur.cer 5 aboaragraphs (b) and fc) above, a vehicle owr.zd bv :.ie na mta insured, any designated insured cr any resident same household as the named or designated insured; cr (iv) under subparagraphs (b) and (c) above, a vehicle furnished >r tha regular ise of the named insured or any resident of same household; uoccupying" means in or upon or entering into or alighting from; state ' ac:udes :he District of Columbia, a territory or possession of the United States, and a province of Canada; "uninsured highway vehicle" means: (a) a highway \ ehicle with respect to the ownership, maintenance or use cf which there is, in at least the amounts specified bv tha financial responsibility law of the state in which the insured highway vehicle is principally garaged, no bodily injury liability bond or insurance policy applicable at the time of the accident with respect to any person or organization legally responsible for the use of such vehicle, or with respect to which there is a bodily injury liability bond or insurance policy applicable at the time of the accident but the company writing the same denies cov erage thereunder or is or becomes insolvent; or (b) a hit-and-run vehicle; but the term "uninsured highway vehicle'* shall not include: (i) an insured highway vehicle, (ii) a highway venicle which is owned or operated by a self-insurer within the meaning of any motor vehicle financial responsi bility law, motor carrier law or any similar law, (Hi) a highway vehicle which is owned by the United States of America, Canada, a state, a political subdivision of any such government or an agency of any of the foregoing. VI, ADDITIONAL CONDITIONS A, Premium. If during the policy period the number of insured highway vehicles Owned by the named insured or spouse or the number of dealer'3 license plates issued to the named insured changes, the named insured shall notify the company during the policy period of any change and the premium shall be adjusted in accordance with the manuals in use by the company. If the earned premium thus computed exceeds the advance premium paid, the named insured shall pay the excess to the company; if less, the company shall return to the named insured the unearned portion paid by such insured. B* Proof of Claim; Medical Reports, As soon as practicable, the insured or other person making claim shall give to the company written proof of claim, under oath if required, including full particulars of the nature and extent of the injuries, treatment, and other details entering into the determina tion of the amount payable hereunder. The insured and every other person making claim hereunder shall submit to examination under oath by any person named by the company and 9ubscr.'_e the same, as often as may reasonably be required. Proof of claim Bhall be made upon forms furnished by the company unless the company shall have failed to furnish such forms within 15 da\s after receiving notice of claim. The injured person shall submit to physical examinations by physicians selected by the company when and as often as the company may reasonably require and he, or in the event of his incapacity his legal representative, or in the event of his death h;s legal representative or the person or persons entitled to sue there for, shall upon each request from the company execute authoriza tion to enable the company to obtain medical reports and copies of records. C, Assistance and Cooperation of the Insured. After notice of claim under this insurance, the company may re quire the insured to take such action as may be necessary cr appropriate to preserve his right to recover damages frem any person or organization alleged to be legally responsible for the bodily injury; and in any action against the company, the company may require the insured to join such person or organization as a party defendant. D, Notice of Legal Action, If, before the company makes payment of loss hereunder, the insured or his legal representative shall institute any legal action for bodily injury against any person or organization legally re sponsible for the use of a kignway vehicle involved in the accident, a copy of the summons ana complaint or other process served in connection with such legal action shall be forwarded immediately t> the company by the insured or his legal representative. A-3MM UM-2 Chicago Fire Brick Annual Reports and Insurance 000348 Protection Against Uninsured Motorists Insurance Coverage Part {Continued) E. Other Insurance. With respect to bodily injury to an insured while occupying a highway vehicle not owned by the named insured, this insurance shall apply only as excess insurance over any other similar insur ance available to such insured and applicable to such vehicle as primary insurance, and this insurance shall then apply only in the amount by which the limit of liability for this coverage exceeds the applicable limit of liability of such other insurance. Except as provided in the foregoing paragraph, if the insured has other similar insurance available to him and applicable to the accident, the damages shall be deemed not to exceed the higher of the applicable limits of liability of this insurance and such other in>'jrance. and the company shall not be liable for a greater pro portion of any loss to which this coverage applies than the limit of liability hereunder bears to the sura of the applicable limits of liability of this insurance and such other insurance. F. Arbitration. If an> person making claim hereunder and the company do not agree that such person is legally entitled to recover damages from the owner or operator of an uninsured highway vehicle because of bodily injury to the insured, or do not agree as to the amount of pavment which may be owing under this insurance, then, upon written demand of either, the matter or matters upon which such person and the company do not agree shall be settled by arbitra tion. which shall be conducted in accordance with the rules of the American Arbitration Association unless other means of conduct ing the arbitration are agreed to between the insured and the company, and judgment upon the award rendered by the arbitra tors may be entered in any court having jurisdiction thereof. Such person and the company each agree to consider itself bound and to be bound by any award made by the arbitrators pursuant to this insurance. G. Trust .Agreement. In the event of payment to any person under this insurance: (a) the company shall be entitled to the extent of such payment to the proceeds of any settlement or judgment that may result from the exercise of any rights of recovery of such person against any person or organization legally responsible for the bodily injury because of which such payment ts made; (b) such person shall hold in trust for the benefit of the company all rights of recovery which he shall have against such other person or organization because of the damages which are the subject of claim made under this insurance; (c) such person shall do whatever is proper to secure and shall do nothing after loss to prejudice such rights; (d) if requested m writing by the company, such person shall take, through any representative designated by the company, such action as may be necessary or appropriate to recover such payment as damages from such other person or organization, such action to be taken in the name of such person: in the event of a recovery, the company shall be reimbursed out of such recovery for expenses, costs and attorneys' fees incurred by it in connection therewith; (e) such person shall execute and deliver to the company such instruments and papers as may be appropriate to secure the rights and obligations of such person and the company estab lished by this provision. H. Payment of Lose by the Company. Any amount due hereunder is payable (a) to the insured, or (b) if the insured be a minor to his parent or guardian, or (c) if the insured be deceased to his surviving spouse, otherwise (d) to a person authorized by law to receive such payment or to a person legally entitled to recover the damages which the payment represents; provided, the company may at its option pay any amount due hereunder in accordance with division (d) hereof. A-mi tIM-3 Chicago Fire Brick Annual Reports and Insurance 000349 Protection Against Uninsured Motorists Insurance Coverage Part Thii Coverage Part forme a part of Policy No............3 P issued by THE HARTFORD INSURANCE GROUP Company designated therein, and takes effect as of the effective date of said policy unless otherwise stated herein. {For ase only if this Coverage Part is effective after Ike effective date of the Pokey) This Coverage Part is effective.................................................................. (at the hour stated in the policy) and forms a part of the above designated policy issued to . ............................................................................................................................................................................................................ The Company, in consideration of the payment of the premium and subject to all of the provisions of the policy not expressly modified herein, agrees with the named insured as follows: SCHEDULE The insurance afforded is only with respect to such of the following coverages as are Indicated by specific premium charge or chargee. The limit of the company** liability against each such coverage shall be as stated herein* subject to all the terms of this policy having reference thereto.______ ____ ____________ ____ ____ _____________________ ____ ____________ ______ _ Coverage Advance Premium Limit* of Liability U -- Uninjured Motoriat* Designated Insured: * 2.00 * l=i 30-- ,Md each peraon ,Ma each accident Description of Insured Highway Vehicles (Check appropriate box) jg Any automobile owned by the named insured SEE SCHEDULE -- IN Any private passenger automobile owned by the named insured Any highway vehicle to which are attached dealer's license plates issued to the named insured Any highway vehicle designated in the schedule of the policy by the letters "UM" and a highway vehicle ownership of which is acquired during the policy period by the named insured as a replacement therefor Any mobile equipment owned or leased by and registered in the name of the named insured 1. COVERAGE U -- UNINSURED MOTORISTS (Damages for Bodily Injury) The company will pay all sums which the insured or his legal representative shall be legally entitled to recover as damages from the owner or operator of an uninsured highway vehicle because of bodily injury sustained by the insured, caused by accident and arising out of the ownership, maintenance or use of such uninsured highway vehicle; provided, for the purposes of this coverage, determination as to whether the insured or such representative is legally entitled to recover such damages, and if so the amount thereof, shall be made by agreement between the insured or such representative and the company or, if they fail to agree, by arbitration. No judgment against any person or organization alleged to be legally responsible for the bodily i;*ry shall be conclusive, as between the insured and the company, of the issues of liability of such person or organization or of the amount of damages to which the insured is legally entitled unless such judgment is entered pursuant to an action prosecuted by the insured with the written consent of the company. Exclusions This insurance does not apply: (a) to bodily injury to an insured with respect to which such insured, his legal representative or any person entitled to payment under this insurance shall, without written consent of the company, make any settlement with any person or organization who may be legally liable therefor; (b) to bodily injury to an insured while occupying a highway vehicle (other than an insured highway vehicle) owned by the named insured, any designated insured or any relative resident in the same household as the named or designated insured, or through being struck by such a vehicle, but this exclusion does not apply to the named insured or his relatives while occupying or if struck by a highway vehicle owned by a designated insured or his relatives; (c) 90 as to inure directly or indirectly to the benefit of any workmen's compensation or disability benefits carrier or any person or organ ization qualifying as a self-insurer under any workmen's compen sation or disability benefits law or any similar law. 11. PERSONS INSURED Each of the following is an insured under this insurance to the extent set forth below: (a) the named insured and any designated insured and, while residents of the same household, the spouse and relatives of either; (b) any other person while occupying an insured highway vehicle; and (c) any person, with respect to damages he is entitled to recover because of bodily injury to which this insurance applies sustained by an insured under (a) or (b) above. The insurance applies separately with respect to each insured, except with respect to the limits of the company's liability. The conditions and provisions printed on pages UM-2 and UM-3 of this form are hereby referred to and made a part hereof. This Coverage Part shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this Coverage Part takes effect as of the effective date of the policy and. at is$ue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this Coverage Part. A-J009-1 Pruned in U. S. A. (ISO: CP-OO-25) Ed.l-'74 Countersigned by . UM-1 Authorized Agent Chicago Fire Brick Annual Reports and Insurance 000350 Protection Against Uninsured Motorists Insurance Coverage Part {Continued) III. LIMITS OF LIABILITY Regardless of the number of (1) persons or organisations who are insureds under this policy, (2) persons who sustain bodily injury, {3) claims made or suits brought on account of bodily injury, or (4) high way vchiJes to which this policy applies, the company's liability is limited as follows: (a) The limit of liability stated in the schedule as applicable to "each person" is the limit of the company's liability for all damages because of bodily injury sustained by one person as the result of any one accident and, subject to the above provision respecting "each person", the limit of liability stated in the schedule as applicable to "each accident" is the total limit of the company's liability for all damages because of bodily injury sustained by two or more persons as the result of any one accident. (b) Any amount payable under the terms of this insurance because of bodily injury sustained in an accident by a person who is an insured under this coverage shall be reduced by (1) all sums paid on account of such bodily injury by or on behalf of (i) the owner or operator of the uninsured highway vehicle and (ii) any other person or organization jointly or severally liable together with such owner or operator for such bodily injury, including all sums paid under the bodily injury liability coverage of the policy, and (2) the amount paid and the present value of all amounts payable on account of such bodily injury under any workmen's com pensation law, disability benefits law or any similar law. (c) / payment made mder th' insurance to or for any insured shall be applied in reauction ot the amount.of damages which he may be entitled to recover from any person or organization who-is an insured under the bodily injury liability coverage of the policy. (d) The company shail not be obligated to pay under this insurance that part of the damages which the insured may be entitled to recover from the owner or operator of an uninsured highway vehicle v. hich represents expenses for medical services paid or payable under the medical payments coverage of the policy. IV. POLICY PERIOD; TERRITORY This insurance applies only to accidents which occur during the policy period and within the United States of America, its territories or possessions, or Canada. V. ADDITIONAL DEFINITIONS When used in reference to this insurance (including endorsements forming a part of the policy): "designated insuredmeans .an individual ziamed in the schedule under Designated Insured; "highway vehicle" means a land motor vehicle or trailer other than (a) a farm type tractor or other equipment designed for use prin cipally off public roads, while not upon public roads, (b) a vehicle operated on rails or crawler-treads, or (c) a vehicle while located for use as a residence or premises; "hii-cr.d-run vehicle" means a highway vehicle which causes bodily . *o or. insured arising cut cf physical contact of such vehicle v ;th the insured or with a vehicle which the insured is occupying at the time of the accident, provided: (a) th:--": cannot be ascertained the identity of either the operator r.cr of such highway vehicle; (b; t- 'fi cr someone on his behalf shall have reported the a:c..',at within 2-1 hours to a police, peace or judicial officer or ;j tr.e Commissioner of Motor Vehicles, and shall have hied v.th me company withm 30 days thereafter a statement under Ca* : that the insured cr his legal representative has a cause or Cw- -:es of action arising out of such accident for damages against a person or persons whose identity is unascertainable, and setting forth the facts in support thereof; and (c) r.t the company's request, the insured or his legal representative makes available for inspection the vehicle which the insured was occupying at the time of the accident; "insured highway vehicle" means a highway vehicle: (uj described in the schedule as an insured highway vehicle to which the bodtly injury liability coverage of the policy applies; (L) while temporarily used as a substitute for an insured highway vehicle as described in subparagraph (a) above, when with drawn frem normal use because of its breakdown, repair, servicing, loss or destruction; (c) while being operated by the named or designated insured or by the spouse of either if a resident of the same household; but the term "insured highway vehicle" shall not include: (i) a vehicle while used as a public or livery conveyance, unless such use is specifically declared and described in this policy; a vehicle while being used without the permission of the owner; @under subparagraphs (b) and (c) above, a vehicle owned by the named insured, any designated insured or any resident of the same household as the named or designated insured; or (iv) under subparagraphs (b) and (c) above, a vehicle furnished for the regular use of the named insured or any resident of the same household; "occupying" means in or upon or entering into or alighting from; "state' includes the District of Columbia, a territory or possession of the United States, and a province of Canada; "uninsured highway vehicle" means: (a) a highway vehicle with respect to the ownership, maintenance or use of which there is, in at least the amounts specified by the financial responsibility law of the state in which the insured highway vehicle is principally garaged, no bodily injury liability bond or insurance policy applicable at the time of the accident with respect to any person or organization legally responsible for the use of such vehicle, or with respect to which there is a bodily injury liability bond or insurance policy applicable at the time . .of the accident but the company writing the same denies cov erage thereunder or is or becomes insolvent; or (b) a hit-and-run vehicle; but the term "uninsured highway vehicletf shall not include: (i) an insured highway vehicle, (ii) a highway vehicle which is owned or operated by a self-insurer within the meaning of any motor vehicle financial responsi bility law, motor earner law or any similar Jaw, (HI) a highway vehicle which is owned by the United States of America, Canada, a state, a political subdivision of any such government or an agency of any of the foregoing. VI. ADDITIONAL CONDITIONS A. Premium. If during the policy period the number of insured highway vehicles owned by the named insured or spouse or the number of dealer's license plates issued to the named insured changes, the named insured shall notify the company during the policy period of any change and the premium shall be adjusted in accordance with the manuals in use by the company. If the earned premium thus computed exceeds the advance premium paid, the named insured shall pay the excess to the company; if less, the company shail return to the named insured the unearned portion paid by such insured. B, Proof of Claim; Medical Reports. As soon as practicable, the insured or other person making claim shail give to the company written proof of claim, under oath if required, including full particulars of the nature and extent of the injuries, treatment, and other details entering into the determina tion cf the amount payable hereunder. The insured and every other person making claim hereunder shall submit to examinations under oath by any person named by the company and subscribe the same, as often as may reasonably be required. Proof of claim shall be made upon forms furnished by the company unless tr.e company shall have failed to furnish such forms within 15 cays after receiving notice of claim. # , The injured person shall submit to physical examinations oy physicians selected by the company when and as often as th j company may reasonably require and he, or in the event of his incapacity his legal representative, or in the event of his death his legal representative cr the person or persons entitled to sue there for. shail uoon each request from the company execute authoriza tion to enable the company to obtain medical reports and cop.es of records. C.Assistance and Cooperation of the Insured. After notice of claim under this insurance, the company nav re quire the insured to take such action as mav be necessary cr appropriate to preserve nis right to recover damages trem ary person or organization cilagea to be legally responsible for the bciuy ir.jvry; and .a any action against the company, the compar.v mav require the insured to join such person or orgaaizat.on a party defendant. D. Notice of Legal Action. If, before the company makes payment of loss hereunder, the insured or his legal representative shall institute any legal action for bodily injury against any person or organization legally re sponsible for the use of a highway vehicle involved in the accident, a copy of the summons and complaint or other process served in connection with such legal action shall be forwarded immediately to the company by the insured or his legal representative. A-3009-1 UM-2 Chicago Fire Brick Annual Reports and Insurance 000351 Protection Against Uninsured Motorists insurance Coverage Part {Continued) E. Other Iniurance. With respect to bodily injury to an insured while occupying a highway vehicle not owned by the named insured, this insurance rhj.ll apply only as excess insurance over any other similar insur ance available to such -insured and applicable to such vehicle as primary insurance, and this insurance shall then apply only in the amount by which the limit of liability for this coverage exceeds the applicable limit of liability of such other insurance. Except as provided in the foregoing paragraph, if the insured has other similar insurance available to him and applicable to the accident, the damages shall be deemed not to exceed the higher of the applicable limits of liability of this insurance and such other insurance, and the company shall not be liable for a greater pro portion of any loss to which this coverage applies than the limit of liability hereunder bears to the sum of the applicable limits of liability of this insurance and such other insurance. F. Arbitration. If any person making claim hereunder and the company do not agree that such person is legally entitled to recover damages from the owner or operator of an uninsured highway vehicle because of bodily injury to the insured, or do not agree as to the amount of payment which may be owing under this insurance, then, upon written demand of either, the matter or matters upon which such person and the company do not agree shall be settled by arbitra tion, which shall be conducted in accordance with the rules of the American Arbitration Association unless other means of conduct ing the arbitration are agreed to between the insured and the company, and judgment upon the award rendered by the arbitra tors may be entered in any court having jurisdiction thereof. Such person and the company each agree to consider itself bound and to be bound by any award made by the arbitrators pursuant to this insurance. G. Trust Agreement. In the event of payment to any person under this insurance: (a) the company shall be entitled to the extent of such payment to the proceeds of any settlement or judgment that may result from the exercise of any rights of recovery of iuch person against any person or organization legally responsible lor the bodily injury because ot which such payment is made; (b) uch person shall hold m tni?t for the benefit of the ^ompanv all rights of recovery which he shall have jgi'i'.-t -uch -*ther person or organization becuu.-e ot the damage* ..re t':e subject of claim made under this insurance; (c) such person shall do whatever is proper to secure and -hall do nothing after loss to prejudice such rights. (d) if requested m writing by the company, such person ,hai! take, through any representative designated bv the ortpuny. r .,_h action as may be necessary or appropriate to recover -.;<_h payment as damages from such other per-on or a c.tnu >t. u; such action to be taken in the name of vjch pe:*m: :n tr.e event of a recovery, the company shall be reimbursed out a such recovery for expenses, costs and attorney * fees incurred by it in connection therewith; (e) such person shall execute and deliver to the company such instruments and papers as may be appropriate to secure the rights and obligations of such person and the company estab lished by this provision. H. Payment of Los* by the Company. Any amount due hereunder is payable (a) to the insured, or (b) if the insured be a minor to his parent or guardian, or (c) if the insured be deceased to his surviving spouse, otherwise (d) to a person authorized by law to receive such payment or to a person legally entitled to recover the damages which the payment represents; rovided, the company may at its option pay any amount due ereunder in accordance with division (d) hereof. A-3M9-1 UM-3 Chicago Fire Brick Annual Reports and Insurance 000352 Automobile Physical Damage Insurance (Fleet Automatic) Coverage Part THE HARTFORD This Coverage Part forms a part of Policy No...........?3....(?.,.5.45^fQXE.............. issued by THE HARTFORD INSURANCE GROUP Company designated therein, and takes effect as of the effective date of said policy unless otherwise stated herein. (For us only if tkis Coocra[c Part is effective after the effective date of the Policy) This Coverage Part is effective......................................................................(at the hour stated in the policy) and forms a part of the above designated policy issued to ......................................................................................................................................... ........................................................................... The Company, in consideration of the payment of the premium and subject to all of the provisions of the policy not expressly modified herein, agrees with the named insured as follows: Items __________________ SCHEDULE _ l.(e) The insurance afforded Is only with respect to such of the following coverages as are Indicated by specific premium charge'or charges and, under each such coverage, applies only to such covered automobiles as are Indicated, by entry herein, of one or more of the designating numerals for that purpose appearing In division (b) of this Item. The limit of the company's liability against each such coverage shall be as stated herein, subject to all the terms of this Insurance having reference thereto. Coverages O. Comprehensive kCovered Automo biles Limit of Liability -- each covered automobile Amount or "ACV" (Actual Gaah Value) "S" entered below meana: "Ai Moarmcely seated In the Schedule of Covered Automobiles made a part hereof" Tic Advance Premiums -ffgtt ,.113<LQQ P. Collision * l87O.nO 0- Fire, Lightning or Transportation R. Theft CACA- S. Windstorm, Hall, Earth CA- quake or Explosion CA- T. Combined Additional CA-.. CA- V. Towing CA- (Not avaLiable La California) CA- - $25 for each disablement - Form Numbers of Endorsements forming Maximum Limit of Liability pert of Ibis Coverage Part at issue: *......32,400 . Any one covered automobile Advance Premium for Endorsements 75jOOO..... ah covered automobiles at any one location 170,000 All covered automobiles TOTAL ADVANCE PREMIUMS 3009.00 Records to be submitted ("MM -- monthly; "Q" -- quarterly; "S" -- semi-annually):......AnnU&llY (b) Explanation of above entries designating the covered automobiles to which this insurance applies, under each Coverage afforded: ir CA* 1 * all covered automobiles CA-5- the covered automobiles described in tne When also entered with CA-1, 2, 3 or 4: CA-2-all registered covered automobiles Schedule of Covered Automobiles made 6-excluding vehicles leased to the named CA-3 -- all covered automobiles of the private a part hereof (including newly acquired insured passenger type vehicles, subject to the provisions of 7TMexcluding under Collision Coverage, CA-4 -- all covered automobiles of the com paragraph (b) of the "covered automo- any vehicle not having an actual cash mercial t bile" definition)_______________________ value of at least $................................... 2. Schedule of Covered Automobiles as of effective date of this insurance (a) Description; (b) Facts Respecting Purchase; (c) Limit of Liability (if not stated in Item 1 above), Rates, Advance Premiums AUTO N*. () TcarMaAai EWy Tn. Cayadty Ucatificabaa N.(D. Kn.ait.iU. TraAaNaaa (TcacA Und. CJUaaga. U* Saadag) Serial Na. (S), Matar Kn. (M) HaJri Piiaaaaif garagaA ia (lava. Suta) Purpose of Vse OaabAcabaa 1 2 APT0 Na. (b) Ut Priea Actaai Caat SEE SCHEDULE PwcAaaarf lariag Ma^Tr.-Naw (N); UaaA(U) SpaWI Aay toes nda Cararagaa wfcar dua Tavrig b payaria u iatcraat mj tffcar ta tk named insured tag tfca Laaa Payaa aawaA briaw: 1 2 (c) Limit of Liability-each covered automobile described in (a) above and covered for: Na. Ctrargjca tkar tkaa CiDwiw Earn; Awe. ar "ACV" | Dcdac&Ua cnamm Emlac: "ACT" DadacbMa Rates Cov. O Cov. P 1$ 2 is * 44 s 44 "ACV" means Actual Cash Value Totals 4 4 3. Except with respect to bailment lease, conditional sale, purchase agreement, mort- gage or other encumbrance, the named insured is the sole owner of every covered automobile designated above as covered under this insurance, unless otherwise stated herein: Advance Premiums Cov. Q Cov. R Cov. S 444 444 444 Cov. T 4 4 4 Cov. V 4 4 4 The conditions and provisions printed on pages PHF-2, PHF-3 and PHF-4 of this form are hereby referred to and made a part hereof. This Coverage Part shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this Coverage Part takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this Coverage Part. PirB - Pleasure and Business; C - Commercial A-30U-1 Pniucd in u. s. a. (ISO: cp-oo-33) Ed. -'74 Countersigned by......... PHF-1 ....................................................................... Chicago Fire Brick Annual Reports and Insurance 000353 Automobile Physical Damage Insurance (Fleet Automatic) Coverage Part (continued) I. COVERAGE AGREEMENTS CN I. The company will pay for loss to covered automobiles, under: Coverage O-Comprehenalve--from any cause except collision; but, for the purpose of this Coverage, breakage of glass and loss caused by missiles, falling objects, fire, theft or larceny, windstorm, hail, earthquake, explosion, riot or civil commotion, malicious mischief or vandalism, water, flood, or colliding with a bird or animal, shall not be deemed loss caused by collision; Coverage P-Colllaion--caused by collision; Coverage Q-Fire, Lightning or Transportation--caused by (a) fire or lightning, (b) smoke or smudge due to a sudden, unusual and faulty operation of any fixed heating equipment1 serving the premises in which the covered automobile is located, or (c) the stranding, sinking, burning^ collision or derailment o( apy conveyance m or upon whichJthe covered automobile is_being . '/^ported; f, O^S Coverage R-Theft--caused by theft or larceny; Coverage S-Windstorm, Hail, Earthquake or Explosion--caused by windstorm, hail, earthquake or explosion; Coverage T-Combined Additional--caused by (a) windstorm, hail, earthquake or explosion, . * V (b) riot or civil commotion, (c) the forced landing or falling of any aircraft or its parts or equipment, (d) malicious mischief or vandalism, (e) flood or rising waters, or (f) external discharge or leakage of water; provided that, with respect to each covered automobile, .(i)'-Aider the Comprehensive Coverage (except as to loss from any of the causes described_in the Fire, Lightning or Transportation Coverage) and under the Collision Coverage, such payment shall be only for the amount of each loss in excess of the deductible amount, if any, stated in the schedule as applicable thereto; (ii) under the Combined Additional Coverage, $25 shall be deducted from the amount of each loss caused by malicious mischief or vandalism. 2. The company will pay, under: Coverage V-Towing--for towing and labor costs necessitated by the disablement of covered automobiles, provided the labor is per formed at the place of disablement. 3. Supplementary Payments: In addition to the applicable limits of liability, the company will: (a) with respect to such transportation insurance as is afforded herein, pay general average and salvage charges for which the named in jured becomes legally liable; (b) reimburse the named insured, in the event of a theft covered by this insurance of an entire covered automobile of the private passen ger type (not used as a public or livery conveyance and not, at time of theft, being held for sale by an automobile dealer), for expense incurred for the rental of a substitute for such covered automobile during the period commencing 48 hours after such theft has been reported to the company and the police and terminating, regard less of expiration of the policy period, when such covered automobile is returned to use or the company pays for the loss; but, as to any one such theft, such reimbursement shall not exceed $10 for any one day nor $300 total. 4. Such insurance as is afforded under each Coverage applies separately to each covered automobile, and a land motor vehicle and one or more trailers or semitrailers attached thereto shall be held to be separate covered automobiles as respects limits of liability and any de ductible provisions applicable thereto. ^ Efcluslons This insurance does not apply: (a) to any covered automobile while used as a public or livery convey ance, unless such use is specifically declared and described in the schedule; (b) to damage which is due and confined to: (i) wear and tear, or (ii) freezing, or (iii) mechanical or electrical breakdown or failure, unless such damage is the result of other loss covered by this insurance; (c) to tires, unless (i) loss be coincident with and from the same cause as other loss covered by this insurance; or (ii) damaged by fire, by malicious mischief or vandalism, or stolen and, as to the covered automobile, loss caused by such damage or theft is covered by this insurance; (d) to loss due to (i) war, whether or not declared, civil war, insurrection, rebellion or revolution, or. to any act or condition incident to any of the foregoing; (ii) radioactive contamination; (e) to loss to (i) any device or instrument designed for the recording, repro duction, or recording and reproduction of sound unless such device or instrument is permanently installed in the covered automobile; (ii) any tape, wire, record disc or other medium for use with any device or instrument designed for the recording, reproduction, or recording and reproduction of sound; . (f) to loss to a camper body designed for use with a covered automobile and not designated in the schedule and for which no premium has been charged if such camper body was owned at the inception of the policy period or the inception of any renewal or extension period thereof; (g) under theCom prebensive and Theft Coverages, to loss or damage due to conversion, embezzlement or secretion by any person in possession of a Covered automobile under a bailment lease, condi tional sale, purchase Agreement, mortgage or other encumbrance; (h) under the Collision Coverage, to breakage of glass if insurance with respect to such breakage is otherwise afforded herein; (i) under the Windstorm, Hail, Earthquake or Explosion and Com bined Additional Coverages, to loss resulting from rain, snow or sleet, whether or not wind-driven. II. LIMIT OF LIABILITY I. The limit of the company's liability for loss to any one covered automobile shall not exceed the least of the following amounts: (a) the actual cash value of such covered automobile, or if the loss is to a part thereof the actual cash value of such part, at time of loss; or (b) what it would then cost to repair or replace such covered automobile or part thereof with other of like kind and quality, with deduction for depreciation:, or (c) the limit of liability stated in the schedule as applicable to ``each covered automobile" under the Coverage afforded for the loss to such covered automobile, provided that if such limit of liability is ex pressed as a stated amount it shall, with respect to a covered automobile newly acquired during the policy period and not described in the scheaule, be deemed as having been replaced by "actual cash value"; and, subject to the above provisions, shall not in any event exceed the amount, if any, stated in the schedule as the "maximum limit of liability" applicable to "any one covered automobile". 2.The total limit of the company's liability for all loss directly attributable to a single happening out of which loss occurs shall not exceed: (a) as to all covered automobiles at any one location, the amount, if any, stated in the schedule as the "maximum limit of liability" applicable thereto, subject to the above provisions respecting any one covered automobile; (b) as io all covered automobiles, the amount, if any, stated in the schedule as the "maximum limit of liability" applicable thereto, subject to the above provisions respecting (i) any one covered automobile and (ii) any one location. A-Mil-l PHF-2 Chicago Fire Brick Annual Reports and Insurance 000354 Jjr THE HARTFORD Oil * INSURANCE CROUP MUtrroiao. cowc-ncvT COMPREHENSIVE GENERAL LIABILITY INSURANCE COVERAGE PART This Coverage Part forms a part of Policy No......... 83....C?.. 5^5^0.1E............ issued by THE HARTFORD INSURANCE GROUP Company designated therein, and takes effect as of the effective date of said policy unless otherwise stated herein. (For use only if this Coverage Part is effective after the effective date of the Policy) This Coverage Part is effective.......................................................................(at the hour stated in the policy) and forms a part of the above designated policy issued to................................................................................................................................................................................................................................ The Company, in consideration of the payment of the premium and subject to all of the provisions of the policy not expressly modified herein, agrees with the named insured as follows: SCHEDULE The Insurance afforded Is only with respect to such of the following coverages as are indicated by specific premium charge or charges. The limit of the company's liability against each such coverage shall be as stated herein, subject to all the terms of this policy haring reference thereto. _______________________________ Coverages A -- Bodily Injury Liability Advance Premiums * 2603.00 *1000 Limits of Liability ,900 each occurrence B -- Property Damage Liability Rating Classifications Ealriea herein, except u specifically provided eUewhere In chit policy, do not modify any of the other provision* of this policy. 1654.00 Code No. Premium Bases 11000 *100 *300 Rates B. I. P. D. aggregate ,000 each occurrence <KW aggregate Advance Premiums B. I. P. D. (a) Premises -- Operations L*1>) AFttmaUfi (% *' (bl Escalators () (c) Independent Contractors (0 Ceet (d) Completed Operations (D (e) Products <k) Sake A)Building Material Dealers - I)Each no second hand materials - 52111 including local managers. -52 () Per 1#0 Sq. Ft W Area fl) Per Lcaear Peat (e) Par $109 el SeaeacntM (d) Per SIM ef Receipts (e) Per Leading (0 Per S100 el Ceet (I) Per SI,009 ef lecetfta (k) Per S1.000 ef Sale* l)Per Each Machine Shops- Mfg. or Motor, Castable and Plastics, rated as: Cement Mfg. 39996 -52 32410 -52 Buildings or Premises - bank, mercantile,manufacturing or office, not occupied by the 65198 Insured .-(Lessor** risk only) -53 Brick or Clay Products Mfg. 32502 -52- Private Residence 65143 Additional Residence -53 CONTI ON EXTENSION SCHEDULE) Form Numbers of Endorsements forming (urt of (his Coverage Part at issue: ] L3139-4L3355-l,ALo-OBrRes,Apt.& Two Faml . "* ' t3-9 ffOTAL ADVANCE PREMIUMS 2603.00 -the"PblfcyT'erlod' is "more*! On effective date of Policy $ 1st Anniversary $ 2nd Anniversary * 1684.00 The conditions and provisions printed on pages CGL-2 and CGL-3 of this form are hereby referred to and made a part hereof. This Coverage Part shall not be binding unless countersigned by a duly authorized agent of the company: provided that if this Coverage Port effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page 01 saio policy by a duly authorized agent of the company shall constitute valid countersignature of this Coverage Part. Form L-3503-0 Printed m U. S. A. Countersigned by. CGL-l Authoriud Aa*< Chicago Fire Brick Annual Reports and Insurance 000355 COMPREHENSIVE GENERAL LIABILITY INSURANCE COVERAGE PART (continued) I. COVERAGE A -- BODILY INJURY LIABILITY COVERAGE B -- PROPERTY DAMAGE LIABILITY The company will pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of Coverage A -- bodily injury or Coverage B -- property damage to which this insurance applies, caused by an occurrence, and the company shall have the right and duty to defend any suit against the insured seeking damages on account of such bodily injury or property damage, even if any of the allegations of the suit are groundless, false or fraudulent, and may make such investigation and settlement of any claim or suit as it deems expedient, th company shall not be obligated to pay any claim or judgment or to defend any suit after the applicable limit of the company's liability has been exhausted by payment of judgments or settlements. d -- rr r (h) to bodily injury or property damage for which the insured or his indemnitee may be held liable (1) as a person or organization engaged in the business of manu facturing, distributing, selling or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such purposes, If such liability is imposed (i) by, or because of the violation of, any statute, ordinance or regulation pertaining to the sale, gift, distribution or use of any alcoholic beverage, or (ii) by reason of the selling, serving or giving of any alcoholic beverage to a minor or to a person under the influence of alcohol or which causes or contributes to the intoxication of any person; qq r /foft?art (ii) of this exclusion does not apply with respect to liability 4of the insured or his indemnitee as an owner or lessor described in (2) above; (i), -to any obligation for which the insured or any carrier as his insurer 00 . - -may be held liable under any workmen's compensation, unemploy ment compensation or disability benefits law, or under any similar law; Exclusion* (j) to bodily injury to any employee of the insured arising out of and This insurance does not apply: (a) to liability assumed by the insured under any contract or agree ment except an incidental contract; but this exclusion does not apply to a warranty of fitness or quality of the named insured's in the course of his employment by the insured or to any obligation of the insured to indemnify another because of damages arising out of such injury; but this t.: elusion does not apply to liability assumed by the insured under an incidental contract; products or a warranty that work performed by or on behalf of .(k) to property damage to the named insured will be done in a workmanlike manner; (1) property owned or occupied by or rented to the insured, (b) to bodily injury or property damage arising out of the ownership, (2).property used by the insured, or maintenance, operation, use, loading or unloadingof (3) property in the care, custody or control of the insured or as to (1) any automobile or aircraft owned or operated by or rented or which the insured is for any purpose exercising physical control; loaned to any insured, or (2) any other automobile or aircraft operated by any person in the course of his employment by any insured;, (*- ^ but parts (2) and (3) of this exclusion do not apply with respect to liability under a written sidetrack agreement and jjart (3) of this exclusion-does*notajply wjjlp respedfcsblproperty':Vantage ^<Aher but this exclusion does not apply to fhe parking of an automobile cn premises owned by, rented to or controlled by the named insured or the ways immediately adjoining, if such automobile is not owned by or rented or loaned to any insured; a'*-JLbcioX rt jruXon_L (l) to'property damage to' premises alienaTecrby the'tiamiro insured aris ing out of such premises or any part thereof; (c) to bodily injury or property damage arising out of (1) the ownership, maintenance, operation, nse, loading or unloading of any mobile equipment white being used in any prearranged or organized racing, speed or demolition contest or in any stunting activity or in practice or preparation for any such contest or activity or (2) the operation (m)`to3oss. of use of tangible property whictflms*not beerrphycicnlly injured or destroyed resulting from (1) a delay in. or .lack,ofperfopmanee by-w-oabehalf-of th , insured of any contract br'agrteejnfcnp, or ~T * ^ or use of any snowmobile or trailer designed for use therewith; (d) to bodily injury or property damage arising out of and in the course of the transportation of mobile equipment by an automobile owned or operated by or rented or loaned to any insured; (e) to bodily injury or property damage arising out of the ownership, maintenance, operation, use, loading or unloading of (1) any watercraft owned or operated by or rented or loaned to any insured, or (2) 'the failure of the named-irirured's products rsr work performed ^ by. or on behalf of the named insured tot m^et the'level'of ^per formance, quality, fitness or durability warranted or represented by the named insured; but this dkcluslon' does hot &ppVy_^t<5 ross"^ use'-pt'other tangible property resdliGig Trorn thfe"sitdffen rJf^fccidbntaJpKv^icdi mfury ' topor,destruction, of..the nameeLi^sur^i's -products^ oc-; work- tfjcr- * formed by, or on'behatf of the natrfcd iHsured_dlt$r sych'producti or work 4ave "been. put.'tS uS6 t$ pfefson a**-orga;n}zatioh other (2) any other watercraft operated by any person in the course of than an insured; his employment by any insured; but this exclusion does not apply to watercraft while ashore on premises owned by, rented to or controlled by the named insured; (nfrfo property dan:,ige to the named insured's jpYoducis- arising out of su^i products or any part of such products;. , . . (0 to bodily injury or property damage arising out of the discharge, dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, liquids or gases, waste materials or other (o) to"property damage to work performed by or on behalf of the named insured arising out of the work or any_portion_thereof, or out ot ~ materials, parts or equipment filrOiiliedua connection therewith; irritants, contaminants or pollutants into or upon land, the atmos (n) todanrages claimed for thdwithdrawal, inspection, repair, rephice- phere or any ^ajcrxxmrse^'body^Hyat^tv but th*yc!usioTrtte ''( ( j ment, or loss of use of the named insured's products or work cum- not apply if sucfr*disfchargfe,'-dispers&1)`re!ease'6r escape is sudtKqk pleted by or for the named insured or of any property of which sucu and accidental; *" r * products* or fonrt-Ti^paft*_iT- products? Jfcbrk oc-pcdp^rC/- \ (' r * \ . `,_arci witljdi'iwu.Tfem.tbe market QrTrom^se-.becau (g) to'bodily "injury or propertydamage due to war, whether or not f ^ suspected defect or 4efi<3dn^-tlf&^mf declared, civil war, insurrection, rebellion or revolution or to any ' v~ ~ act or condition incident to any of the foregoing, with respect to (q) to property damage included vrithin: (1) liability assumed by the insured under an incidental contract, or (1) the explosion hazard in connection with operations idcntiiied (2) expenses for first aid under the Supplementary Payments provision; in this policy by a classification code number which includes the symbol "x"i form L-3503-4 CGL-2 Chicago Fire Brick Annual Reports and Insurance 000356 Automobile Physical Damage Insurance (Fleet Automatic) Coverage Part THE HARTFORD (continued) III. POLICY PERIOD; TERRITORY; PURPOSES OF USE This insurance applies only to loss which occurs during: the policy period, while the covered automobile is within the United States of America, its territories or possessions, or Canada, or is being trans ported between ports thereof and, if a covered automobile described in the schedule, is maintained and used for the purposes stated therein as applicable thereto. IV. ADDITIONAL DEFINITIONS When used in reference to this insurance (including endorsements forming a part of the policy): ucamper body" means a body designed to be mounted upon a covered automobile and equipped as sleeping or living quarters; "collision" means (ij collision of a covered automobile with another object or with a vehicle to which it is attached, or (ii) upset of such covered automobile; --- "commercial type" means (i) a land motor vehicle of the truck, pick-up, express, sedan or panel delivery type, including truck-type tractors, trailers and semitrailers, used for the transportation or delivery of goods or merchandise or for other business purposes, or (ii) an altered private passenger type vehicle used for retail or whole sale delivery; "covered automobile'' means a Sand motor vehicle, trailer or semi trailer, including its equipment and other equipment permanently attached thereto (but not including robes, wearing apparel or per sonal effects), which is either (a) designated in the schedule, by description or otherwise, as a covered automobile to which this insurance applies and is: (i) owned by the named insured, or (ii) leased to the named insured for a term of not less than one year under an agreement expressly prohibiting any right of the lessor or owner to use such vehicle during the term of such lease except either as an operator employed by the named insured or for its repair or exchange; or (b) if not so designated, such vehicle is newly acquired by the named insured during the policy period provided, however, that: (i) it replaces a described covered automobile, or as of the date of its delivery this insurance applies to all covered automobiles, and (ii) the named insured notifies the company within 30 days following such delivery date; but "covered automobile" does not include a vehicle owned by or registered in the name of any individual partner or executive officer of the named insured, unless specifically stated otherwise by endorse ment forming a part of the policy; "loss" means direct and accidental loss or damage; "private passenger type" means a 4-wheel land motor vehicle of the private passenger or station wagon type; as to "purposes of use": V. CONDITIONS None of the Conditions of the policy shall apply to this insurance except "Premium", "Inspection and Audit , "Subrogation", "Changes", "Assignment", "Cancellation", and "Declarations". This insurance shall also be subject to the following additional Conditions: 1. Named Insured's Duties in Event of Loss In the event of loss the named insured shall: (a) protect the covered automobile, whether or not this insurance applies to the loss, and any further loss or damage due to the named insured's failure to protect shall not be recoverable under this insur ance; reasonable expenses incurred in affording such protection shall be deemed incurred at the company's request; (b) give notice thereof as soon as practicable to the company or any of its authorized agents and also, in the event of theft or larceny, to the police; (c) Hie with the company, within 91 days after loss, his sworn proof of loss in such form and including such information as the com pany may reasonably require and, upon the company's request, shall exhibit the damaged property and submit to examination under oath; (d) cooperate with the company and, upon the company's request, shall assist in making settlements, in the conduct of suits and in enforcing any right of contribution or indemnity against any person or organization who may be liable to the named insured because of loss with respect to which this insurance applies; and shall attend hearings and trials and assist in securing and giving evidence and obtaining the attendance of witnesses; but the named insured shall not, except at his own cost, voluntarily make any payment, assume any obligation, offer or pay any reward for recovery of stolen property or incur any expense other than as specifically provided in this insurance. 2. Payment for Loss With respect to any loss covered by this insurance, the company may pay for said loss in money, or may: (a) repair or replace the damaged or stolen property, or (b) return at its expense any stolen property to the named insured, with payment for any resultant damage thereto, at any time before the loss is so paid or the property is so replaced, or (c) take all or any part of the damaged or stolen property at the agreed or appraised value, but there shall be no abandonment to the company. 3. Appraisal If the named insured and the company fail to agTee as to the amount of loss, either may, within 60 days after proof of loss is hied, demand an appraisal of the loss, hi such event the named insured and the com pany shall each select a competent appraiser, and the appraisers shall select a competent and disinterested umpire. The appraisers shall state separately the actual cash value and the amount of loss and failing to agree shall submit their differences to the umpire. An award in writing of any two shall determine the amount of loss. The named insured and the company shall each pay its chosen appraiser and shall bear equally the other expenses of the appraisal and umpire. The company shall not be held to have waived any of its rights by any act relating to appraisal. "commercial' means use principally in the business occupation of the named insured as stated in the declarations, including occasional use for personal, pleasure, family and other business purposes; "pleasure and business" means personal, pleasure, family and business use. 4. Action Against Company No action shall lie against the company unless, as a condition precedent thereto, there shall have been full compliance with all the terms of this insurance nor until 30 days after proof of loss is filed and the amount of loss is determined ns provided in this insurance. A-3411-1 PHF-3 Chicago Fire Brick Annual Reports and Insurance 000357 Automobile Physical Damage Insurance (Fleet Automatic) Coverage Part {continued) 5. Other Insurance [f the named insured has other insurance against a loss covered by this insurance, the company shall not be liable under this insurance for a greater proportion of such loss than the applicable limit of liability stated in the schedule bears to the total applicable limit of liability of all valid and collectible insurance against such loss; provided, how ever, with respect to any covered automobile newly acquired during the policy period and not described in the schedule, this insurance shall not apply to any loss against which the named insured has other valid and collectible insurance. 6. No Benefit to Bailee None of the provisions of this insurance shall inure directly or in directly to the benefit of any carrier or other bailee for hire. 7. Terms of Insurance Conformed to Statute Terms of this insurance which are in conflict with the statutes of the state wherein this insurance is issued are hereby amended to con form to such statutes. STATE EXCEPTIONS KANSAS -- If this insurance is issued in the State of Kansas, the following applies: 1. In the "Named Insured's Duties in Event of Loss" Condition, p^agraph (a) is amended to read: "(a) use every reasonable means to protect the covered automobile (whether or not this insurance applies to the loss) from further loss; reasonable expenses incurred in affording such protection shall be deemed incurred at the company's request;" 2. In the "Appraisal" Condition, the term "30 days" is substituted for "60 days". NORTH CAROLINA -- If this insurance is issued in the State of North Carolina, the following applies: Proofs of Loss -- The failure of the named insured to furnish proofs of loss as required by the terms of this insurance shall not debar him from recovery hereunder unless within fifteen (15) days after receipt of notice of loss the company or its representatives shall provide the named insured with a blank or blanks in duplicate, in the form approved by the Insurance Comriissioner, to be used for the purpose of making such proofs of loss. A-34U-1 PHF-4 Chicago Fire Brick Annual Reports and Insurance 000358 X THE HARTFORD INSURANCE CROUP VkMTFO*0. CQMMCCTlO/r COMPREHENSIVE GENERAL LIABILITY INSURANCE COVERAGE PART (continued) '2} the collapse hazard in cpnnection with operations identified in this policy by a classification code number which includes the symbol "c'\ ij) the underground property damage hazard in connection with operations identified m this policy by a classification code number which includes the symbol "u". II. PERSONS INSURED Each of the following is an insured under this insurance to the extent sec forth below: (a) if the named insured is designated in the declarations as an in dividual. the person so designated but only with respect to the conduct of a business of which he is the sole proprietor, and the spouse of the named insured with respect to the conduct of such a business; (b) if the named insured is designated in the declarations as a partner ship or join- venture, the partnership or joint venture so desig nated and any partner or member thereof but only with respect to his liability as such; (c) if the named insured is designated in the declarations as other than an individual, partnership or joint venture, the organiza tion so designated and any executive officer, director or stock holder thereof while acting within the scope of his duties as such; (d) any person (other than an employee of the named insured) or organization while acting as real estate manager for the named insured; and ie) with respect to the operation, for che purpose of locomotion upon a public highway, oLmotnle equipment registered under any motor vehicle registration law, (i) an employee of the named insured while operating any such equipment in the course of his employment, and Ui) any other person while operating with the permission of the named insured any such equipment registered in the name of the named insured and any person or organization legally responsible for such operation, but only if there is no other valid and collectible insurance available, either on a primary or excess basis, to such person or organization; provided that no person or organization shall be an insured under this paragraph (e) with respect to: il) bodtiy m;wry to any fellow employee of such person injured in the course of his employment, or ^2) property damage to property owned by, rented to, in charge of or occupied by the named insured or the employer of any person described in subparagraph (li). This insurance does not apply to bodtiy injury or property damage arising out of the conduct of any partnership or joint venture of which the insured is a partner or member and which is not designated in this policy as a named insured. III. LIMITS OF LIABILITY Regardless of the number of (1) insureds under this policy, (2) persons or organizations who sustain bodtiy injury or property damage, or (3) claims made or suits brought on account of bodily injury or property damage, the company's liability is limited as follows: Coverage A -- The total liability of the compam tor ail damn-e-. including damages tor care and loss of services, becau-e j| Wi/y injury sustained bv one or more persons u the resile of anv one occurrence shall not exceed the limit ot bodily injury liabilitv stated m the schedule as applicable to each occurrence ". Subject to the above provision respecting "each occurrence". the total liability of the company for all damages because of * I i all bodily injury included within the completed operations hazard and ; 1 < nil 'mailo injury included within the products hazard shall not exceed che limit of bodily injury liability stated in the schedule as " iggrecate" Coverage B -- The total liability of the company for all damages because of all property damage sustained by one or more persons or organizations as the result of any one occurrence shall not exceed the limit of property damage liability stated in the schedule as applicable to "each occurrence". Subject to the above provision respecting "each occurrence", the total liability of the company for ail damages because of all property damage to which this coverage applies and described in any of the numbered subparagraphs below shall not exceed the limit of property damage liability stated in the schedule as "aggregate": (1) all property damage arising out of premises or operations rated on a remuneration basis or contractor's equipment rated on a receipts basis, including property damage for which liability is assumed under any incidental contract relating to such premises or operations, but excluding property damage included in subparagraph (2) below; (.2} all property damage arising out of and occurring in the course of operations performed for the named insured by independent contractors and general supervision thereof by the named insured, including any such property damage for which liability is assumed under any incidental contract relating to such opera tions, but this subparagraph (2) does not include property damage arising out of maintenance or repairs at premises owned by or rented to the named insured or structural alterations at such premises which do not involve changing the size of or moving buildings or other structures; (3) all property damage included within the products hazard and all property damage included within the completed operations hazard. Such aggregate limit shall apply separately to the property damage described in subparagraphs (l), l2) and (3) above, and under subparagraphs U) and (2), separately with respect to each project away from premises owned by or rented to the named insured. Coverages A and B --For the purpose of determining the limit of the company's liability, all bodily injury and property damage arising out of continuous or repeated exposure to substantially the same general conditions shall be considered as arising out of one occurrence. IV. POLICY TERRITORY This insurance applies only to bodily injury or property damage which occurs within the policy territory. Form L-3MJ-4 Printed in U. S. A. CGL-3 Chicago Fire Brick Annual Reports and Insurance 000359 LIABILITY EXTENSION SCHEDULE FOR COMPREHENSIVE GENERAL LIABILITY, OLT OR MC COVERAGE PARTS This schedule forms a part of Policv \'o^3 C 545401E issued t0 1HL HARTFORD INStRAXCE GROL'P compain or companies designated therein, n id takes effect as ol the effective date oi 3aid piiic\ unless another effective date is stated herein. Effective date 01/01/75 ____ 12.01 A. M.. standard time. RATING CLASSIFICATIONS Entries herein, except a* specifically provided elsewhere In thla policy, do nor modify any of the other provisions of thla policy. Code No. Premium Bases Rates B. I. P. D. Advance Premiums B. I. P. D. A)0PERATI0NS ILLINOIS A)PREMISES T. 01 T. 01 (CONTINUED;FROM COVERAt rE PART F<DRM L3503- 1 52111 -52 0)25,000 j .711 1 39996 -52 C)if any .111 i 32410 1 -52 0)375,000I -257 071V 1 .020 1 .0488 Sf.964.00 'm -xj COb 0 18.00 I83.OO 1461 Elston Ave Chicago, IL jf\65198 -53 A) 7,184 .914 .0155 66.00 10.00 M3 MISSOURI 206 West St Wellsville, MO T. 03 Boats, Canoes or Row Boats private with or without sail - no motor. 32502 -52 0)700,000 .109 65143 1 -53 I) one 8.38 1 .0223 763.00 Vl56.00 .49 NAJ 8.00 INGL 44696s -53 I) one i 1.949 .097 \A) 2.00 INCL Increased Limit Surcharge Form L3355-1 &C)Strip Mining Testa, drilling for clay rated as: Operations. 99901 -52 W 35.00 J) 5.00 ^ 119.00 W18.00 17982 -51 F)if any .0271 .0024 1 Construction Operations contractor (not railroads) excluding operations on board ships. - ILLINOIS MISSOURI 16291 -51 16291 -51 F)if any 1 ; 1 I .0633 .0111 MP Sp'13.00 i 16291 -51 F)if any .0236 .0111 11 MP 8.co THE HARTFORD INSURANCE GROUP HARTFORD. CONNECTICUT Form L- 3125-0 Printed in LT. S. A. 10- 60 PAGE I Chicago Fire Brick Annual Reports and Insurance 000360 LIABILITY EXTENSION SCHEDULE FOR COMPREHENSIVE GENERAL LIABILITY, OLT OR MC COVERAGE PARTS This schedule forms a part of Policy \o.3 0 545401E issued to I HE HARTFORD INSL RAXCE GROl P companv or companies designated therein ;nd takes effect as of the effective dare .,i 5.ud pone, unless .mother effective date is stated herein. Effective date 01/01/75 RATING CLASSIFICATIONS , Kntries herein, except is specifically provided elsewhere In this : policy. Jo not modify any of the other provisions of this policy. Co(je Premium B&ses 1-01 M . standard time._________________ _ Rates ^ Advance Premiums B. I. P. D. i B. I. P. D. E)Building Materials - excluding ladders and instal-i 52112 lation work (Dealers). -55 H)320,000 .138 ;i31 44.00 : 42.00 Vendors 52111 -55 H) 320,000 10207 .020 N p'\ 7.00 j 6.00 Mortor, Castables & Plastic Mfg. rated as: Cement or Cinder Blocks & Bricks(Manufacturer). Vendors 32701 -55 i) 10375 8,800, 000 32701 -55 it) 0056 8,800,000 118 Cp330.00 I0177 49.00 11038.00 156.00 Stores - not food or drink. Vendors 59993 -55 f) 320,000 59993. -55 H)320,000 v.069 013 22.00 \ j.0104 .0020)1 3-00 ; 4.00 1.00 Broad Form Property Damage 99981 : 39-00' I THE HARTFORD INSURANCE GROUP HARTFOnO. CONNECTICUT Form L- 3135-0 Pnnced in U. S. A. 10- 66 PAGE 2 Chicago Fire Brick Annual Reports and Insurance 000361 ADDITIONAL INSURED (Vendors--Limited Formj ^ Named Insured and Address This endorsement forms a part of Policv Nt^^ ^ 5^5^01E J issued by THE HARTFORD INSURANCE GROUP compain desig- l nated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. I Effective date 01/01/75 12:01 A. M , standard time at the address of the named insured as stated herein. This endorsement modifies such insurance as is afforded by the provisions of the policv relating to the following: COMPREHENSIVE GENERAL LIABILITY INSURANCE It is agreed that the "Persons Insured" provision is amended to include any person or organization (herein referred to as "Vendor"), as an Insured, but only with respect to the distribution or sale in the regular course of the Vendor's business of the Named Insured's products subject to the following additional provisions: 1. The insurance with respect to the Vendor does not apply to: (a) any express warranty, or any distribution or 9ale for a purpose, unauthorized by the Named Insured (b) bodily injury or property damage arising out of (i) any act of the Vendor which changes the condition of the products, (ii) any failure to maintain the product in merchantable condition, (lii) any failure to make such inspections, adjustments, tests or servicing as the Vendor has agreed to make or normalU undertakes to make in the usual course of business, in connection with the distribution or sale of the products, or (iv) products which after distribution or sale by the Named Insured have been labeled or relabeled or used as a container, part or ingre dient ot any other thing or substance by or for the Vendor; (c) bodily injury or property damage occurring within the Vendor's premises. 2. This insurance does not apply to any person or organization, as Insured, from whom the Named Insured has acquired such products or any ingredient, part or container, entering into, accompanying or containing such products. Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page ot sa:d polic> by a duly authorized agent of the company shall constitute valid countersignature of this endorsement. THE HARTFORD INSURANCE GROUP HARTFOPO. CONNECTICUT Form L324S*0 Printed in U. S. A. 1(N8CU:G-1M> Countersigned by ulhcnzcd .4 %*.nt Chicago Fire Brick Annual Reports and Insurance 000362 BROAD FORM PROPERTY DAMAGE COVERAGE (Excluding Completed Operations) This endorsement forms a part of Policy No93 C issued by THE HARTFORD INSURANCE GROUP company desig nated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. Effective date. 0V01/T5 Named Insured and Address 12:01 A. M., standard time at the address of the named insured as stated herein. This endorsement modifies such insurance as is afforded by the provisions of the policy relating to the following: COMPREHENSIVE GENERAL LIABILITY INSURANCE MANUFACTURERS'AND CONTRACTORS' LIABILITY INSURANCE OWNERS', LANDLORDS' AND TENANTS'LIABILITY INSURANCE CONTRACTUAL LIABILITY INSURANCE It is agreed that the insurance for property damage liability applies, subject to the following additional provisions: A. The exclusions relating to property damage to (l) property owned, occupied or used by or rented to the insured or in the care, custody or control of the insured or as to which the insured is for any purpose exercising physical control and (2) work performed by or on behalf of the named insured arising out of the work or any portion thereof, or out of materials, parts or equipment furnished in connection therewith, are replaced by the following exclusions (w) and (x): (w) to property damage (1) to property owned or occupied by or rented to the insured, or, except with respect to the use of elevators, to property held by the insured for sale or entrusted to the insured for storage or safekeeping, (2) except with respect to liability under a written sidetrack agreement or the use of elevators to (a) property while on premises owned by or rented to the insured for the purpose of having operations performed on such property by or on behalf of the insured, (b) tools or equipment while being used by the insured in performing his operations, (c) property in the custody of the insured which is to be installed, erected or used in construction by the insured, (d) that particular part of any property, not on premises owned by or rented to the insured, (i) upon which operations are being performed by or on behalf of the insured at the time of the property damage arising out of such operations, or (ii) out of which any property damage arises, or (lii) the restoration, repair or replacement of which has been made or is necessary by reason of faulty workmanship thereon by or on behalf of the insured; (x) with respect to the computed operations hazard (if the insurance otherwise applies to property damage included within such hazard) and with respect to any classification stated below as "including completed operations", to property damage to work performed by or on behalf of the named insured arising out of tbe work or any portion thenxff, or out of materials, parts or equipment furnished in connection therewith. B. The insurance afforded by this endorsement shall be excess insurance over any valid and collectible property insurance (including any deductible portion thereof) available to the insured, such as but not limited to Fire and Extended Coverage, Builder's Risk Coverage or Installation Risk Coverage, and the "Other Insurance" Condition is amended accordingly. Classification: Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorised agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of satd poixy by a duly authorized agent of the company shall constitute valid countersignature of this endorsement. THE HARTFORD INSURANCE GROUP HAR7TORO, CONNSCTtCUT Form L-JIJ9-4 Printed m U. S. A. (ISO Adv.-3005) Countersigned by Authorized Agent Chicago Fire Brick Annual Reports and Insurance 000363 SUPPLEMENTARY COVERAGE ENDORSEMENT PERSONAL INJURY AND ADDITIONAL INSURED Employees) This endorsement forms a part of Policy No. 83 c 545401E i issued by THE HARTFORD INSURANCE GROUP company desig- | nated therein, and takes effect as of the effective date of said policv I miess another effective date is stated herein. 'l Effective date 01/01/75 Vimed Insured and Address .12:01 A. M , standard time at the address of the minted insured as stated herein. flm endorsement modifies such insurance as is afforded by the provisions of the police relating to the following: COMPREHENSIVE GENERAL LIABILITY INSURANCE MANUFACTURERS'AND CONTRACTORS* LIABILITY INSURANCE OWNERS', LANDLORDS'AND TENANTS' LIABILITY INSURANCE It is agreed that: 1. The "Persons Insured" provision is amended to include as an insured any employee of the named insured while acting within the scope of his duties as such, but the insurance afforded to such employee does not apply a. to bodily injury or personal injury to (a) another employee of the named insured arising out of or in the course of his employment or 1'b 1 the named insured or, if the named insured is a partnership or joint venture, any partner or member thereof; b. to property damage to property owned, occupied or used by, rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by (a) another employee of the named insured, or (b) the named insured, or. ff the named insured is a partnership or joint venture, any partner or member thereof. It is further agreed that: 1. Such insurance as is afforded under Coverage A with respect to bodily injury, is extended to apply to personal injury as defined herein, siibiect to the following additional provisions: l. This insurance does not apply a. to liability for personal injury assumed by the insured under any contract or agreement; b. to personal injury arising out of the wilful violation of a penal statute or ordinance committed by or with the knowledge or consent of any insured; c. to personal injury sustained by any person as the result of an offense directly or indirectly related to the employment of such person by the named insured; d. to personal injury arising out of libel, slander, defamation, disparagement or violation of an individual's right of privacv, if the nr at publication or utterance of the same or similar material giving rise to the offense was made prior to the effective date of this insurance; e. to personal injury arising out of any publication or utterance of defamatory or disparaging material concerning any person, organization or business enterprise, or his or its products or services, made by or at the direction of any insured with knowledge of the falsi tv thereot. f. to personal injury arising out of any publication or utterance of defamatory or disparaging material or material violating an individual'-, right of privacy made in the course or related to advertising, broadcasting or telecasting activities conducted by or on behalf of the named insured. 1 When used in reference to this insurance a personal injury" means: 1 injury sustained by any person or organization and arising out of a personal injury offense committed during the polio ucr cd within the policy territory. b. `personal injury offense" means: 1. false arrest, detention or imprisonment, or malicious prosecution, 1. libel, slander, defamation, disparagement or violation of an individual's right of privacy, or 3. wrongful entry or eviction or other invasion of the right of private occupancy 3 The Limits of Liability section is amended in the following respect: The total liability of the company for all damages because of all personal injury to which this policy applies, shall not exceed the nn of bodily injury liability stated in the schedule as applicable to "each occurrence". Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policv, ot.-.cr than a herein stated. riii> endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement effect a> of the effective date of the policy and. at issue of said policy, forms a part thereof, countersignature on the declarations page of -aid ;>oi b> a duly authorized agent of the company shall constitute valid countersignature of this endorsement. THE HARM) INSURANCE GROUP HARTPORO. CONNECTICUT Form L*^35S>1 Printed ia U. S. A. (NS) Countersigned by A uthonzea A Chicago Fire Brick Annual Reports and Insurance 000364 This endorsement forms .1 part of Policy 5^5^01^* issued by THE HARTFORD INSURANCE GROUP company or companies designated thereto, and takes effect as of the effective date of said policy unless another effective date is stated herein. I Named Insured and Addre> Effective date..... 01/01/75 . .12:01 A. M., standard time at the address of the named insured as stated herein. RESIDENCE, APARTMENT AND TWO FAMILY DWELLING Tail endorsement modifies such insurance as is afforded by the provisions of the policy relating to the following: COPREHENS IVE GENERAL LIABILITY INSURANCE i IT IS AGREED THAT THE INSURANCE APPLIES TO THE PREMISES CLASSIFIED AS; PRIVATE RESIDENCES, APARTMENTS-OCCUPIED BY ONE FAMILY FOR RESIDENCE PURPOSES EXCLUSIVELY, OR DWELLINGS-TVO FAMILY, SUBJECT TO THE FOLLOWING ADDITIONAL PROVISION: IF THE NAMED INSURED IS AN INDIVIDUAL, THE "PERSONS INSURED" PROVISION INCLUDES, IF RESIDENTS OF THE NAMED INSURED'S HOUSEHOLD, THE NAKED INSURED'S SPOUSE AND THE RELATIVES CF EITHER THE NAKED INSURED OR SUCH SPOUSE UNDER 'THE AGE OF TWENTY ONE. Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the pohev. cthet than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company or companies; provided that i this rndor^e- ment takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declaration* 1,1 said policy by a duly authorized agent of the company or companies shall constitute valid countersignature of this endorsement. Form Hartford Fire Insurance Company Hartford Accident and Indemnity Company Citizens Insurance Company of New Jersey New York Underwriters Insurance Company Twin City Fire Insurance Company Counlerstintd by Aulkvnui B Print'd In U. S. A. !0-`M NBCU: Chicago Fire Brick Annual Reports and Insurance 000365 vn.` "LOCATION OP PREMISES" I [ his cndor-emenr forms a part of Policy N"o. 83 C 545401E j rMiC'l.'iy THE HARTFORD INSURANCE GROUP compaiu desig- I iMtcd therein, and takes effect as of the effective date of said policy j unless another effective date is stated herein. I KlTective date oVoi/75 Named hwired and \ddrev> 12:01 A. M., standard time at the address of the named insured as stated herein. This endorsement modifies such insurance as is afforded by the provisions of the policy relating to the following: COMPREHENSIVE GENERAL LIABILITY INSURANCE A tract of land situated In Kendall County, Illinois, containing 36.08 acres more or less, consisting of several parcels of land in Section 19 and 30 in Township 30 North, Range 6, East of the Third Principal Meridian which lands are more fully described in the three deeds to Chicago Fire Brick Company recorded in the recorder's office of Kendall County, Illinois as follows: 5,(1)Warranty Deed dated October 1920, and recorded November 22, 1920, as Document Number 46808; (2)Warranty Deed October 21, 1920, and recorded July 12, 1921, as Document Number 47370; (3)Warranty Deed dated June 14, 1922. and recorded July 19> 1922 as Document Number 48091; which legal description are by reference made a part thereof. Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the compan\ ; provided that if this endorsement takes effect as of the effective date of the polic\ and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said pohev by a duly authorized agent of the company shall constitute valid countersignature of this endorsement. THE HARTFORD INSURANCE GROUP ma#TOBO, CONNCCTlCUT Countersigned by A ulhonzed A gent Form AL-8-0 B Pnntfd in V. S. A. 10-'64 NBCL": Chicago Fire Brick Annual Reports and Insurance 000366 9000 aauEjnsui pue sgocby [enuuv qoug siig oSediiQ "EXCLUSION ENDORSEMENT" go c 54540IE This endorsement forms a part of Policy No. ^ J^ issued b\ THE HARTFORD INSURANCE GROUP company desig nated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. Effective date 01/01/75 Named Insured and Address 12:01 A. M., standard time at the address of the named insured as stated herein. This endorsement modifies such insurance as is afforded by the provisions of the policy relating to the following: COMPREHENSIVE GENERAL LIABILITY INSURANCE In consideration of the premium charged, it is hereby agreed exclusion "c" is deleted from Form L3355-1(Personal Injury). Nothmc herein contained shall be held to vary, uaive, alter, or extend any of the terms, conditions, agreements or declarations of the police, other than as herein stated. I hi* endorsement shall not be binding unless counierMpned bv a duh authorised agent of the cornpam ; provided that if this endorsement takes ehect .i of the effective date of the polic\ and. at i*?ue of said polic>. forms a part thereof, countersignature on the declarations pace of said polio h\ a dim authorized agent of the compain shall constitute valid countersignature of this endorsement. THE HARTFORD insurance croup IHARTFOftO CONNECTICUT Countersigned by Authorized Agent form AL-S-0 B Printed in L` S A 10-'66 NBCf. X THE HARTFORD INSURANCE CROUP **mrwomo. commcticut CONTRACTUAL LIABILITY INSURANCE COVERAGE PART (Blanket Coverage) This Coverage Part forms a part of Policy Mo. $3 C 545401E issued by THE HARTFORD INSURANCE GROUP Company designated therein, and takes effect as of the effective date of said policy unless otherwise stated herein. (For use only yf this Coverage Part is effective after the effective date of the Policy) This Coverage Part ts effective ... (at the hour stated in the policy) and forms a part of the above designated policy issued to________________________________ The Company, in consideration of the payment of the premium and subject to all of the provisions of the policy not expressly modified herein, agrees with the named insured as follows: SCHEDULE The Insurance afforded is only with respect to such of the following coverages as are indicated by specific premium charge or charges. The limit of the company's liability against each such coverage shall be as stated herein, subject to all the terms of this policy having reference thereto. Coverage, YB -- Contractual Bodily Injury Liability Advance Premiums * 46.00 $ 1000 Limit* of Liability *00# each occurrence ZB -- Contractual Property Damage Liability Deelgnatlon of Contract, *125.00 Code No. Premium Bate, * 1 fin Ratea B. I. P. D. .Hi each occurrence ;ate Advance Premiums B. I. P. D. Purchase Order Agreements <> Cm. () ft 11* 4 Cm1 excluding agreements involvir g indemnification for construct ion (b) Mm (b) rSl*M 1 Sabs work or erection or installat ion of the indemnitor's goods or Premium ec ual tc 10* products unless of a minor 17985 of the tot al prc ducts nature. -51 liability premli m 46.00 125.00 Form Numbers of Endorsements forming part of this Coverage Part at isaue: TOTAL ADVANCE PREMIUMS *46.00 If the Policy Period is more than one year, the Premium la Payable: On effective date of Policy $ 1st Anniversary $ 2nd Anniversary > The following exclusions also apply: Exclusion (p) -- Products and Completed Operations Exclusion (q)--x, c A u *125.00 I. COVERAGE YB--CONTRACTUAL BODILY INJURY LIABILITY COVERAGE ZB--CONTRACTUAL PROPERTY DAMAGE LIABILITY The company will pay on behalf of the insured all sums which the insured, by reason of contractual liability assumed by him under any written contract of the type designated in the schedule for this insur ance. shall become legally obligated to pay as damages because of Coverage YB. bodily injury or Coverage ZB. property damage to which this insurance applies, caused by an occurrence, and the com pany shall have the right and duty to defend any suit against the injured seeking damages on account of such bodily injury or property damage, even if any of the allegations of the suit are groundless, false or fraudu lent. and may make such investigation and settlement of any claim or suit as it deems expedient, but the company shall not be obligated to pay any claim or judgment or to defend (1) any arbitration proceeding wherein the company is not entitled to exercise the insured's rights in the choice of arbitrators and in :he conduct of such proceedings, or (2) any suit after the applicable limit of the company's liabilif. Has been exhausted by payment of judgments or settlements. Exclusion* This insurance does not apply: (a) to liability assumed by the insured under any incidental lonircc:. (b) (l) if the insured is an .architect, engineer or surveyor, :o 'xiur injury or property damage arising out of professional -ervices performed by such insured, including (i) the preparation or approval of maps, drawings, opinion*, reports, surveys, change orders, designs or specifications, a d (ii) supervisory, inspection or engineering services; (2) if the indemnitee of the insured is an architect, engineer or sur veyor, to the liability of the indemnitee, his agents or emplo\ees. arising out of The conditions and provisions printed on pages KB-2 and KB-3 of this form are hereby referred to and made a part hereof This Coverage Part shall not be binding unless countersigned by a duly authorized agent of the company: provided that if this Coverage Part takes effect as of tne effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said poiicv by a duly authorized agent of the company shall constitute valid countersignature of this Coverage Part. Form L-JS23-S Printed m U. S. A. (ISO: KB 1/1/73) Countersigned by RB-l Authorized A j>ent Chicago Fire Brick Annual Reports and Insurance 000368 CONTRACTUAL LIABILITY INSURANCE COVERAGE PART (Blanket Coverage) . (Continued} i\) the preparation or approval of maps, drawtngs, opinions. reports, surveys, change orders, designs, or specifications, or '.ii) the giving of or the failure to give directions or instructions by the indemnitee, his agents or employees, provided such giving or failure to give is the primary cause of the bodily injury or property damage; (c; to bodily injury or property damage due to war, whether or not declared! civil war, insurrection, rebellion or revolution or to any act cr condition incident to any of the foregoing; (d^ t- he;>! :.'ir\ <.r property damage for u hich the indemnitee may be (1J as a person or organization engaged in the business of manufac turing, distributing, selling or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such purposes, if such liability is imposed (i) by, or because of the violation of, any statute, ordinance or regulation pertaining to tbe,-sale, gift, distribution or use of any alcoholic beverage.oe (ii) by reason of the selling, serving or giving of any alcoholic beverage to a minor or to a person under the influence of alcohol or which causes or contributes to the intoxication of any person; but part (ii) of this exclusion does not apply with respect to liability of the indemnitee as an owner or lessor described in (2) above; fn) to bodily injury or property damage arising out of the ownership, maintenance, operation, use. loading or unloading of anv mooile equipment while being used inan> prearranged or organized racing, ^peed cr demolition contest or in any stunting activity or in practice cr preparation for any such contest or activity; (o) to bodily injury or property damage arising out of the discharge, dispersal, release or escape of smoke, yapors. soot, fumes, acids, alkalis, toxic chemicals, liquids or gases, waste materials or other irritants, contaminants or pollutants into or upon land, the atmos phere cr any water course or body of water; but this exclusion does not apply if such discharge, dispersal.' release or escape is bidden nid accidental; When stated in the schedule as applicable, the following exclusions also apply to contractual liability assumed by the insured. This insurance does not apply: (p) .to bodily injury or property damage included within the completed operations hazard or the products hazard; fq) ,to tSperty damage included within (1) the explosion hazard, (2) the collapse hazard, or (3) the underground property damage hazard. (e) to any obligation for which the insured or any carrier as his insurer may be held liable under any workmen's compensation, unemploy ment compensation or disability benefits law, or under any similar law; IF. PERSONS- INSURED 1 ' Each of.the fctllpwing is afi insured under this insurance to the extent set fortiCbeloWa r* f/' . . (f) to any obligation for which the ins&rfd may bd hckhliable j&'anr {(a) if the name? tnsuntt'm desifcnatttf in the declarations as an m- action on a contract by a third party beneficiary foe bodily injury or ^ - dividual, the.pjrsya so djyignated,aad.hi6 spouse; property damage arising out of a project for a public authority; but this, exclusion does not apply to action by-the pubUe authority*?* ^ r (b) thtjusmed insured is designated in the declarations a>a partner any* other person or organization engagedm the project; ship or joint venture, the partnership or joint venture ->o designated and any partner or member thereof but only with respect to his (g) to property damage to liability as such; (1) property owned or occupied by or rented to the insured, (2) property used by the insured, or (3) property in the care, custody or control of the insured or as to which the insured is for any purpose exercising physical control; (c) if the named insured is designated in the declarations as other than an individual, partnership or joint venture, the organization ->o designated and any executive officer, director or stockholder thereoi while acting within the scope of his duties as such. (h) to property damage^to premises alienated by the named insured arising out of such premises or any part thereof; (i) to loss of use of tangible property which has not been physically injured or destroyed resulting from (1) a delay in or lack of performance by or on behalf of the named insured cf any contract or agreement, or (2) the failure of the named insured's products or work performed by or on behalf of the named insured to meet the level of performance, quality, fitness or durability warranted or represented by the named insured; but this exclusion does not apply to loss of use of other tangible property resulting from the sudden and accidental physical injury to or destruction of the named insured's products or work performed by or on behalf of the named insured after such products or work have been, put to use by any person or organization other than an insured] (j) to properly damage to the named insured's products arising out of such products or any part of such products; (k) to property damage to work performed by or on behalf of the named insured arising out of the work or any portion thereof, or out of materials, parts or equipment furnished in connection therewith; (l) to damages claimed for the withdrawal, inspection, repair, replace ment, or loss of use of the named insured's products or work com pleted by or for the named insured or of any property of which such products or work form a part, if such products, work or property are withdrawn from the market or from use because of any known or suspected defect or deficiency therein; (m) As respects any agreement relating to construction operations, to bodily injury or property damage arising out of (1) construction, maintenance or repair of watercraft or loading or unloading thereof, or (2) operations within fifty feet of any railroad property affecting any railroad bridge or trestle, tracks, roadbeds, tunnel, under pass -jt crossing; This insurance does not apply to beddy injury or properry arising out of the conduct of anv partnership or ;omt \ entnre oi the insured is a partner or men:' ,r and which is iut designate*"! policy as a named insured. : oh III. LIMITS OF LIABILITY Regardless of the number of (1) insureds under this policy. 12) persons or organizations who sustain bodily injury or property damage. or ' claims made or jutYs brought on account of bodily injury or proper:/ damage, the company's liability is limited as follows: Coverage YB -- The total liability of the company for all damages, including damages for care and loss of services, because cf bodily injure sustained by one or more persons as the result of any one occurrence ^ra.l not exceed the limit of bodily injury liability stated :n the schedule iapplicable to `each occurrence". Coverage ZB -- The total liability of the company for all damage-* because of all property damage sustained by one or more persons t organizations as the result of any one occurrence shall not exceed the limit of property damage liability stated in the schedule as applicable to "each occurrence". Subject to the above provision respecting "each occurrence", the total liability of the company for ail damages because of all property damage to which this coverage applies shall not exceed the limit of properly damage liability stated in the schedule as "aggregate". Such aggregate limit of liability applies separately with respect to each project away from premises owned by or rented to the named insured. Coverages YB and ZB -- For the purpose of determining the limit of the company's liability, all bodily injury and property damage arising out of continuous or repeated exposure to substantially the same general conditions shall be considered as arising out of one occurrence. Form L-3523-0 KB-2 Chicago Fire Brick Annual Reports and Insurance 000369 CONTRACTUAL LIABILITY INSURANCE COVERAGE PART (Blanket Corerage) (Continued) IV. ADDITIONAL DEFINITIONS When used in reference to this insurance (including endorsements forming a part of the policy): "contractual liability" means liability expressly assumed under a written contract or agreement; provided, however, that contractual liability shall not be construed as including liability under a warranty of the htness or quality of the named insured's products or a warranty that work performed by or on behalf of the named insured will be done in a workmanlike manner; "suit" includes an arbitration proceeding to which the insured is required to submit or to which the insured has submitted with the company's consent. V. POLICY TERRITORY This insurance applies only to bodily injury or property damage which occurs within the policy territory. VI. ADDITIONAL CONDITIONS Arbitration The company shall be entitled to exercise all of the insured's rights in the choice of arbitrators and in the conduct of any arbitration pro ceeding. Premium When used as a premium basis: 1. the word "cost" means the total cost of ail work in connection with all contracts of the type designated in the schedule for this insurance with respect to which "cost,T is the basis of premium, regardless of whether any liability is assumed under such contracts by the in sured. It includes the cost of ail labor, materials and equipment furnished, used or delivered for use in the execution of such work, whether furnished by the insured, or others including ail fees, allow ances, bonuses or commissions made, paid or due. It shall not include the cost of any operations to which exclusion (m) applies. 2. the word "sales" means the gross amount of money charged by the named insured or by others trading under his name for all goods and products sold or distributed during the policy period and charged during the policy period for installation, servicing or repair and includes taxes, other than taxes which the named insured and such others collect as a separate item and remit directly to a govern mental division. Form Printed in U. S. A. (ISO: KB 1/1/73) KB-3 Chicago Fire Brick Annual Reports and Insurance 000370 Chicago Fire Brick Annual Reports and Insurance 000371 Michigan Broadened Collision Coverage (Commercial Accounts) (Limited Waiver of Collision Deductible) THE HARTFORD Named Insured and Address ThisendorsementformsapartofPoiicyNo.83 C 545IW1E issued by THE HARTFORO INSURANCE GROUP company designated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. Effective date 01/01/75 12:01 A. M,, standard time at the address of the named insured as stated herein. SCHEDULE Coverage BC-Broadened Collision Designation of Insurod Motor VaHicios (indicate by "(x]M) Premium Any automobile (or covered automobile) with respect to which a specific premium charge herein or in any other schedule made part of the policy indicates that Broadened Collision Coverage applies. CA-.............................. (If Fleet Automatic) $ 30 Othar SK W SCHEDULE - Auto No. 1 2 3 ..... $ 52.00 t $ % $ Total Premium * 52.00 It is agreed that such insurance as is afforded by the policy under Collision Coverage is amended as follows: BROADENED COLLISION COVERAGE The Company will pay up to the Collision Deductible amount for loss to the insured motor vehicle except while parked in such a way as not to cause unreasonable risk of the damage which occurred, caused by contact with a motor vehicle whose owner, registrant or operator, or other person or organization legally responsible for his acts or omissions, is entitled to an exemption from tortllability for such loss under the provisions of Chapter 31 of the Michigan Insurance Code provided the named Insured would be legally entitled to recover such loss but for such exemption. For the purposes of this coverage, determination as to whether the named insured Is legally entitled to recover such loss and if so the amount thereof, shall be made by agreement between the named Insured and the Company or, if they fail to agree, then upon written demand of either, the matter or matters upon which they do not agree shall be settled by arbitration. DEFINITION As used herein insured motor vehicle means any automobile (or covered automobile) designated in the schedule above under "Designation of Insured Motor Vehicles". Nothing herein contained shall be held tovary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this endorsement A-3137-O Printed In U. S. A. Countersigned by Authorized Agent Chicago Fire BrickAnnual Reports and Insurance 000372 U 'J" .JVJ ( 0 McMANUS & PELLOUCHOUD INC. 554304 Change, Elimination or Addition of Automobile Change of Coverage-- Amendment of Declarations THE HARTFORD This endorsement forms a part of Policy No.83 C 545401 E . issued bv THE HARTFORD INSURANCE GROUP company desig- naced therein, and takes effect as of the effective date stated herein. Named Insured and Address 1 CHICAGO FIRE BRICK COMPANY ,WELLSVTLLE FIRE BRICK CO. 11461 ELSTON AVE. I CHICAGO, IL 60622 Effective date ..............07.03. .75...................... 12:01 A. M., standard time at the address of the named insured as stated herein. It is agreed that the policy is amended, with respect only to such of the following Items as are indicated by 3: Item 1. The named insured's NAME is amended to read 3 2. The named insured's ADDRESS is amended to read ....................................... 3. CHANGE OF COVERAGE -- The insurance alforded is amended as indicated by entry in the SCHEDULE of this endorsement. 4. The CLASSIFICATION for the Automobile designated herein is amended to read as follows: 5. Automobiles DELETED ---- The insurance with respect to the Automobile designated herein is terminated. i TTrtaa4rMadal B(TB*ra4aa?cSkTarLAva*tta4i,TCGraaapJcIaakcoSiatycir)*a tdaatiBcaJMa Na. QasRata&icnaftiaa T... n-j-i TTrrar.fVaNstaia. Ba4y Tra Track Sim (TBraaacSkaLamb*4< CGaa^JUUaajf)a Id*aii6cati.a N. #33 74 PONT--2P49Y4p105415---------------! ---------------- T-15 CL PPT---------------- 3C Automobile(a) ADDED--* Purposes of Use (P and B = Pleasure and Business: C Commercial) ! n-J-i I r1 J3.fi BWj - Track Sin (TBraaac5kmU-m4, CGAaMJW4r.la Uratfeatira N. ,, . e. Pnac:TikaawUaf.G5atarl|) 4 fa P4arJaaaara Racial OaaaficatMa I 7<=> PONT. CAT. 2LbOR5244t>84 SCHAUM-tiUKCi j XJj PEcB ---------PPT----------------- : L (15)---------- 1 '. 1Ua Pnc. 5768 ! ACeata*al Ma./TPar.cNkaaawa-dUaa4 Sna- LOSS PAYEE: Any low under the Physical Damage Coverages (excluding Towing) is payable as Interest may appear to the named Insured and: 57^ 8-1 B 1 l f more than one automobile is insured by the policy and the amendments effected by this endorsement are not to apply to all automobiles insured by the policy such amendments apply only with respect to the following automobile(s): SCHEDULE The insurance afforded for the added automobile is only with respect to such and so many of the following coverages, each as defined in the policy, as are indicated by an additional or return premium or the words "no charge" in the Premiums column. The limit of the company's liability against each such coverage shall be as stated herein, subject to all of the terms of the policy having reference thereto. (Insert X in applicable column!ACV means Actual Cash ValuePREMIUMS 1 *{Z* ! :1 ; COVERAGES LIMITS OF LIABILITY $ ,000 each person ANNUAL ADDITIONAL i RETURN Bodily Injury Liability Medical Payments Property Damage Liability JT ,000 each occurrence t % each person $ ,000 each occurrence $ s* t 1$ t \% : P R .499 $ ,000 each person | Uninsured Motorists S ,000 each accident $ $ Comprehensive 1$ 5768 ACV unless amount stated 1 [less $ deductible IS oil 28 1 Collision 'ACV less! 100 deductible i$ 7 f OCt SFire, Lightning or Transportation ACV unless amount stated i$ IS Theft $ ACV unless amount stated j$ | t 1 Combined Additional ACV unless amount stated \t js Towing each disablement \% 1 t i 1 % is i It t TOTALS |t t NET ADDITIONAL jOtiCHK w 5 t 4 DOt 5 OOs 1$ !t 1t is !s s !t 9 00s otherNothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, than as herein stated. This endorsement shall not be binding unless countersigned by a duly authoriflpjjL^geijC-^f the company. A-1459-0 Printed m U S.A. Countersigned by Chicago Fire Brick Annual Reports and [nsurance 000373 ::c MANUS & PELLOUCHCl'D INC 5^4304 HO/c:/7/8/75 Change, Elimination or Addition of Automobile Change of Coverage --Amendment of Declarations THE HARTFORD Named Insured and Address 30 r This endorsement forms a part of Policy No. ^ .. r *' issued by THE HARTFORD INSURANCE GROUP company desig nated therein, and takes effect as of the effective date stated herein. CHICAGO r iRE 3RICK COMPANY ETAL I 46 I ELSTON AVE CHICAGO IL q0c22 Effective date 06 06,75 12:01 A. M.t standard time at the address of the named insured as stated herein. It is agreed that the policy Is amended, with respect only to such of the following Items as are indicated by item 1. The named insured's NAME is amended to read ................... 2. The named insured's ADDRESS is amended to read .............. .................................. G 3. CHANGE OF COVERAGE -- The insurance afforded is amended as indicated by entry in the SCHEDULE of this endorsement. 4. The CLASSIFICATION for the Automobile designated herein is amended to read as follows: C 5. Automobiles DELETED -- The insurance with respect to the Automobile designated herein is terminated. i Y*ar M*d*J Trad* Nan* B*dy Tflp* Track Sim `Track L*ad, G*Ummi* Baa S**ha Capacity) i 1 6. Automobile(s) ADDED - T*r Modot Trad* Nan* B*df Trt* - Track San (Track Laai C*Jlna|* 8*a s#h*f Capacity) 75'"" CHLV CHLVLLLE (dcatifWali** N*. Idaabficalwa N*. IC29H5R454614 Rabat QaaaiAcabaa f T**r M*d*f Trad* Nia* il B*dj Typ* Track Sin {Track Laad, G*lluf Ba S*ti*i [daatificatiaa No. *Purposes of Use (P and B = Pleasure and Business: C = Commercial) I*, of CrU. M*aJ Priaciiillf Gari|d la (Tava, St*4*l *P*ra*M f Un Rabat QiudicilMa GLEN ELLYN IL (15j) P&g PPT Lit Prie* Acta*l C*at 4280-IB Prckaad Sy- LOSS PAYEE: Any low under the Physical Damage Coverages (excluding Towing) is Ma./Tr. Nc-UmJ ki payable as Interest may appear to the named insured and: [f more than one automobile is insured by the policy and the amendments effected by this endorsement are not to apply to all automobiles insured by the policy such amendments apply only with respect to the following automobile(s): SCHEDULE The insurance afforded for the added automobile is only with respect to such and so many of the following coverages, each as defined m the pohc\ as are indicated by an additional or return premium or the words "no charge" in the Premiums column. The limit of the company's liability agi:ns each such coverage shall be as stated herein, subject to all of the terms of the policy having reference thereto. pft it 1 #An*ad 1*c!*d*i D*Ut* UmmU COVERAGES Bodily Injury Liability Medical Payments Property Damage Liability LIMITS OF LIABILITY $ 1 ,000,ooo each person S 1 ,000,OOOeach occurrence $ ^000 each person !$ 300 .000 each occurrence ANNUAL (ADDITIONAL! RETURN *___ 97 [o s * n ooi* $ 43 *P0l$ T; s6 ooi* 7 oo'* 25 00-$ Uninsured Motorists $ 10 .000 each person $, 20 ,000 each accident * 3S 2 CO!, ;| 1 ; gHidOU* ACV unless amount stated 1 Comprehensive less $ i j Collision ACVljsO^ Fire, Lightning or Transportation $ ACV unless amount stated || I Theft !* .\C\ttAt1efe srM&itJlM [j 22 v0( 5 QO jj * s [s 1 3 '^0 $ jO uu s !s s i .1 i1 11 Combined Additional Towlnft ! 1 S ^Cr,,ACV unless amount/st^te^** IS 1 * ' eaift-rimhlrmenfV'' ^>7 X7 is ; s I `"1* s * ! **s TOTALS t 1 l4l OOi* NET ADDITIONAL JOflCBCWflN l4l GOs Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy. other chan as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company. k-J4S*-0 Prinird n U S A. Countersigned by Chicago Fire Brick Annual Reports and Inciirnnrp OOP) a74 7% 3\ %TAT OF MICHIGAN CERTIFICATE OF NO FAULT INSURANCE PENALTY FOR OPERATION WITHOUT INSURANCE -ny Givntr or registrant of a motor vehicle with respect to which liability insurance s required who operates or permits 3 -ncior vehicle *0 -e operated upon a puoiic highway of this state, shall oe guilty of a misdemeanor 'n owner or registrant convicted of such a misdemeanor shall have his license and registration revoked and may be fmed not'ess than S100 'O nor mere than $500.00. or imprisoned for not more than 1 year, or both. THIS FORM MAY BE PRESENTED AS EVIDENCE OF INSURANCE WITH YOUR APPLICATION FOR LICENSE PLATES AT ANY SECRETARY OF STATE LICENSE PLATE BRANCH OFFICE. 3j Hartford Fire Insurance Company ^ XI Hartford Accident and Indemnity Company u 33 Hartford Casualty Insurance Company (3 New York Underwriters Insurance Company X Twin City Flra Insuranca Company (NAMED INSURED) CHICAGO FIRE BRICK COMPANY WELLSVILLE FIRE BRICK CO l46l Elston Ave Chicago, IL 60622 An authorized Michigan insurer, certifies that it has issued a policy complying with Act 294. P.A. 1972. as amended for the described motor vehicle. ; Co Cm* f 15 Policy No. Exoiration Oate 83 C 545401E 01/01/76 KEEP this in vehicle described Make 64 Dodge Trk 5881409741 A 3141 0 Printed in U. S. A. BY Authorized RF ecr^entat on this 01/ Oay 01/ Month Agent's Code 554304 75 ra STATE ot Michigan CERTIFICATE OF NO FAULT INSURANCE PENALTY FOR OPERATION WITHOUT INSURANCE Any owner or registrant of a motor vehicle with respect to which liability insurance <s reouired who operates or permits a motor vehicle to be operated upon a public highway of this state, shall bo guilty of a misdemeanor. An owner or registrant convicted of such a misdemeanor shall have his license and registration revoked and may be fined not less than $ 100 00 nor more than 5500.00. or imprisoned for not more than 1 year, or both. THIS FORM MAY BE PRESENTED AS EVIDENCE OF INSURANCE WITH YOUR APPLICATION FOR LICENSE PLATES AT ANY SECRETARY OF STATE LICENSE PLATE BRANCH OFFICE. CE Hartford Fire insurance Company * 3j Hartford Accident and Indemnity Company u 33 Hartford Casualty Insuranca Company u 5j Naw York Undarwritars Insuranca Company J (NAMEO INSURED) CHICAGO FIRE BRICK COMPANY WELLSVILLE FIRE BRICK CO l46l Elston Ave X Twin City Flro Insuranca Company |__ An authorized Michigan insurer, certifies that it has issued a policy complying with Act 294, P.A. 1972. as amended for the described motor vehicle. Co Cme| 51 Policy No. 83 Expiration Date VEHICLE maa6 Year Make 72 GMC Trk A 3141-0 Printed m U. S. A. Vehicle No. 732V527433 BY Authorized Reprdsentat on this 01 Oay 01 Vtontl Agent's Code 554304 75 Chicago Fire Brick Annual Reports and Insurance 000375 STATE of MICHIGAN CERTIFICATE OF NO FAULT INSURANCE PENALTY FOR OPERATION WITHOUT INSURANCE -inv owner or registrant of a motor vehicle with resoect to which liability insurance is required who operates or permits a motor operated upon a public highway of this state, shall be guilty of a misdemeanor. renicle to oe An owner or registrant convicted of such a misdemeanor snail Have h<s license and registration revoked and may be fined not less than Sinn nn nor more than $500.00, or imprisoned for not more than l year, or both. THIS FORM MAY BE PRESENTED AS EVIDENCE OF INSURANCE WITH YOUR APPLICATION FOR LICENSE PLATES AT ANY SECRETARY OF STATE LICENSE PLATE BRANCH OFFICE. H Hartford Fire Insurenea Company | 2] Hartford Accident and Indemnity Company u 3) Hartford Casualty Insuranco Company r (NAMCO INSURED) CHICAGO FIRE BRICK COMPANY WELLSVILLE FIRE BRICK CO w 3] Now York Underwrftars Inauranee Company l46l Elston Ave E Twin City Fire Insuranco Company L Chicago, IL 60622 An authorized Michigan insurer, certifies that it has issued a policy complying with Act 29A. P.A. 1972. as amended for the described motor vehicle. Policy NoS3 CJ 5^5^01Sxpiration Date 01/01/76 KEEP THIS IN VEHICLE DESCRIBED Year Make Vehicle No. 67 Ford Fkup F25YIA15827 BY on this 01 Day 1 Agent's Coda ! 554304 A-3141-0 Printed m U. S. A. STATE OF Michigan CERTIFICATE OF NO FAULT INSURANCE PENALTY FOR OPERATION WITHOUT INSURANCE Any owner or registrant of a motor vehicle with respect to which liability insurance is required who operates or permits a motor vemcle to ce operated upon a public highway of this state, shall be guilty of a misdemeanor. An owner or registrant convicted of such a misdemeanor shall have his license and registration revoked and may be fined not less than S l 30 00 nor more than $500.00, or imprisoned for not more than 1 year, or both. THIS FORM^MAY BE PRESENTED AS EVIDENCE OF INSURANCE WITH YOUR APPLICATION FOR LICENSE PLATES AT ANY SECRETARY OF STATE LICENSE PLATE BRANCH OFFICE. CE Hartford Fire Insurance Company 30 Hartford Accident and Indemnity Company u 3] Hartford Casualty Insuranco Company o New York Underwriters Insurance Company T. Twin City Fire Insurance Company (NAMED INSURED) r CHICAGO FIRE BRICK COMPANY WELLSVILLE FIRE BRICK CO 1461 Elston Ave Chicago, IL 60622 An authorized Michigan insurer, certifies that it has issued a oolicy complying with Act 294. P.A. 1972, as amended for the described motor vehicle. BY Authorized Ca Policy No. Expiration Date - .5 _ ;^3 VEHICLE DESCRftik^4/76 Year Make 68___________Inti Fkup Vehicle No. 783208H76436O on this 01 Day 01 Mont Agent's Code 554304 75 'ear a 3141-0 Printed in U. S. A. Chicago Fire Brick Annual Reports and Insurance 000376 state Of Michigan CERTIFICATE OF NO FAULT INSURANCE PENALTY FOR OPERATION WITHOUT INSURANCE Any owner or registrant of a motor vehicle with respect to which liability insurance s required who operates or permits a motor vehicle tn he operated uoon a public highway of this state, shall be guilty of a misdemeanor. An owner or registrant convicted of such a misdemeanor shall have his license and registration revoked and may be fined not less than s ion on nor more than $500.00, or imprisoned for not more than 1 year, or both. THIS FORM MAY BE PRESENTED AS EVIDENCE OF INSURANCE WITH YOUR APPLICATION FOR LICENSE PLATES AT ANY SECRETARY OF STATE LICENSE PLATE BRANCH OFFICE. U Hartford Fire Insurance Company | (S Hartford Accident and Indemnity Company u (XI Hartford Casualty Insuraitca Company <5 2} Now fork Undorwritars Insuranca Company X Twin City Flra Insuranca Company J |__ (NAMED INSUREO) CHICAGO FIRE BRICK COMPANY WELLSVILLE FIRE. BRICK CO 1461 Elston Ave Chicago, IL 60622 An authorized Michigan insurer, certifies that it has issued a policy complying with Act 294, P.A. 1972. as amended for the described motor vehicle. Co Cm. I 5 _ Policy No. Expiration Oata 83 C 545401E 01/01/76 KEEP THIS IN VEHICLE DESCRIBED Maka Vehicle No. 64 Chev Wag 45645KL70948 A-3L41-0 Printed in U. S. A. BY 1 rized Raprentatn on this 01 Day 01 Month Agent's Code 554-304 75 Y< state Of Michigan CERTIFICATE OF NO FAULT INSURANCE PENALTY FOR OPERATION WITHOUT INSURANCE Any owner or registrant of a motor vehicle with respect to which liability insuranca <s required who operates or permits a motor ven cie to ce operated upon a public highway of this state, shall be guilty of a misdemeanor. An owner or registrant convicted of such a misdemeanor shall have his license ana registration revoked and may be fined not less than 51CC ZC nor more than $500,00, or imprisoned for not more than 1 year, or both. THIS FORM MAY BE PRESENTED AS EVIDENCE OF INSURANCE WITH YOUR APPLICATION FOR LICENSE PLATES AT ANY SECRETARY OF STATE LICENSE PLATE BRANCH OFFICE. GD Hartford Fire Insurance Company * 5 Hartford Accident and Indemnity Company (NAMED INSURED) - r CHICAGO FIRE BRICK COMPANY u 3] Hartford Casualty Insuranca Company WELLSVILLE FIRE BRICK CO u S New York Underwriters Insurance Company l46l Elston Ave X Twin City Fire Insurance Company Chicago, IL 60622 An authorized Michigan insurer, certifies that it has issued a policy complying with Act 294, P.A. 1972. as amended for the described motor vehicle. BY Authorized R Co Code I 5! Policy No. Expiration Data 83 C 545401E 01/01/76 --' vKrErEaP tTuHieIS IN VEHICLE DESCRIBED Vehicle No. on this 01 Day 01 Month Agent's Code 75 'ea 74 Pontiae A-3 14 1 0 Printed in U. S. A. 2L6QR4x130405 554304 Chicago Fire Bnck Annual Reports and Insurance 000377 state OF Michigan CERTIFICATE OF NO FAULT INSURANCE PENALTY FOR OPERATION WITHOUT INSURANCE ^ny owner or registrant of a motor vehicle with respect to which liability nsu'-a-'ce s required who ooerates or cerm.ts a motor v*r- ele *o -e ooerated upon a public highway of this state, shall be guilty of a misdemeanor An owner or registrant convicted of such a misdemeanor shall have his license and re gist ration revoked and may oe f:nea not less man 5 ' Cl nor mere than $500.00, or imprisoned for not more than 1 year, or Both. THIS FORM MAY BE PRESENTED AS EVIDENCE OF INSURANCE WITH YOUR APPLICATION FOR LICENSE PLATES AT ANY SECRETARY OF STATE LICENSE PLATE BRANCH OFFICE. X Hartford Fire Insurance Company ^ S Hartford Accident end Indemnity Company (2] Hertford Casualty Insurance Company u 3) Now York Underwriters Insurance Company (NAMED INSURED) r CHICAGO FIRE BRICK COMPANY WELLSVILLE FIRE BRICK CO l46l Elston Ave X Twin City Fire insurance Company j_ Chicago, IL 60622 An authorized Michigan insurer, certifies that it has issued a policy complying with Act 294, P.A. 1972. as amended for the described motor vehicle. ; Co Code !5 Policy No. Expiration Date 83 C 545401E 01/01/76 KEEP THIS IN VEHICLE OESCRIBED BY on this Agent's Code ______74__________ Pontiac__________ 2P4qw4Pl62574 i____554304, A-3 141-0 Printed in U. S. A. STATE OF MICHIGAN CERTIFICATE OF NO FAULT INSURANCE PENALTY FOR OPERATION WITHOUT INSURANCE Any owner or registrant of a motor vehicle with resoect to which liability insurance is required who operates or permits a motor ven.cle to oe operated upon a public highway of this state, shall be guilty of a misdemeanor. An owner or registrant convicted of such a misdemeanor shall have his license and registration revoked and may be fmed not less man S i 3C.H0 nor more than $500.00. or imprisoned for not more than 1 year, or both. THIS FORM MAY BE PRESENTED AS EVIDENCE OF INSURANCE WITH YOUR APPLICATION FOR LICENSE PLATES AT ANY SECRETARY OF STATE LICENSE PLATE BRANCH OFFICE. (NAMED INSURED) rGO Hartford Fire Insurance Company 2} Hartford Accidont and Indomnity Company CHICAGO FIRE BRICK COMPANY u 3] Hartford Casualty Insuranca Company WELLSVILLE FIRE BRICK CO u 33 Now York Undorwritors Inturanco Company I Twin City Firo Inturanco Company l46l Elston Ave Chicago, IL 60622 . An authorized Michigan insurer, certifies that it has issued a policy complying with Act 294, P.A. 1972, as amended for the described motor vehicle. BY Authorized enta t v Co Code 5 Policy No. Expiration Date, 83 C 545401E 01/01/76 KEEP THIS IN VEHICLE OESCRIBED Tear Vehicle No. 74 Ford 4B63S220698 on this 01 Day 01 554304 Agant's Code 7-. A 31410 Printed m U. S. A. Chicago Fire Brick Annual Reports and Insurance 00037S CANCELLATION CONDITION--AMENDMENT OF FIRST PARAGRAPH (Michigan) It is agreed that with respect to the "Cancellation" provisions of the policy: 1. The words "at the address shown in this policy", appearing in the first paragraph of the "Cancellation" Condition, are amended to read "at his address last known to the company or its authorized ageiu". 2. The provisions (if forming a part of the policy) of the endorsement entitled "Amendment of Termination Provisions (Michigan)" apply as stated therein. 3. The provisions, if any, forming a part of the policy which (by endorsement or otherwise) amend the "Cancellation" provisions of the policy other than as stated or designated in this endorsement are deleted. Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement forms a part of the policy, issued by THE HARTFORD INSURANCE GROUP company designated therein, which indicates this endorsement forms a part thereof, and takes effect as of the effective date of said policy. Form AL-36-0 Printed in U. S. A. tl-'70 (IRB: A0002/G 503) president Chicago Fire Brick Annual Reports and Insurance 000379