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$0k savings
identified
Policy audit · Acme Corp
Annual insurance review
General liability $22k over Rate $1.20/$1k vs. $0.50-0.60 market avg
Cyber insurance Gap found Policy excludes ransomware - #1 cyber claim in 2025. Endorsement closes gap for ~$4k/yr.
D&O policy $31k over Legacy admitted carrier at $8.20/$1k. Equivalent terms in surplus market at $3.50-4.00.
Workers comp Optimized Experience modifier 0.88 - below industry avg of 1.0. Your safety record is working.
Total after remediation $216k/yr

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acme_corp_gl_2025.pdf
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Meridian Specialty Insurance Company
A Stock Insurance Company · NAIC #14788 · Domiciled in Delaware
Commercial General Liability
Insurance Policy
ISO Form CG 00 01 04 13 (Occurrence) with Amendatory Endorsements
Policy Number
CGL-2025-0481
This policy consists of the Declarations, Coverage Form(s), and Endorsements.
Please read the entire policy carefully.
Section I - Coverages
Coverage A - Bodily Injury and Property Damage Liability
1. Insuring Agreement
a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury" or "property damage" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily injury" or "property damage" to which this insurance does not apply.
b. This insurance applies to "bodily injury" and "property damage" only if: (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; and (2) The "bodily injury" or "property damage" occurs during the policy period.
c. Damages because of "bodily injury" include damages claimed by any person or organization for care, loss of services or death resulting at any time from the "bodily injury".
2. Exclusions
This insurance does not apply to:
a. Expected or Intended Injury. "Bodily injury" or "property damage" expected or intended from the standpoint of the insured.
b. Contractual Liability. "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement, except for liability assumed under an "insured contract".
c. Liquor Liability. "Bodily injury" or "property damage" for which any insured may be held liable by reason of causing or contributing to the intoxication of any person.
d. Workers' Compensation. Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.
e. Employer's Liability. "Bodily injury" to an "employee" of the insured arising out of and in the course of employment by the insured.
f. Pollution. "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants".
Coverage B - Personal and Advertising Injury Liability
1. Insuring Agreement
a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "personal and advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages.
b. This insurance applies to "personal and advertising injury" caused by an offense arising out of your business, excluding advertising, publishing, broadcasting or telecasting done by or for you.
Section II - Who Is An Insured
1. If you are designated in the Declarations as a limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business.
2. Each of the following is also an insured: a. Your "volunteer workers" only while performing duties related to the conduct of your business; b. Your "employees", other than either your "executive officers" or your managers, but only for acts within the scope of their employment by you.
3. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if no other similar insurance exists.
Section III - Limits of Insurance
1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of insureds, claims made or "suits" brought, or persons or organizations making claims or bringing "suits".
2. The General Aggregate Limit is the most we will pay for the sum of: a. Medical expenses under Coverage C; b. Damages under Coverage A, except damages because of "bodily injury" or "property damage" included in the "products-completed operations hazard"; and c. Damages under Coverage B.
3. The Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of "bodily injury" and "property damage" included in the "products-completed operations hazard".
Section IV - Commercial General Liability Conditions
1. Bankruptcy. Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part.
2. Duties in the Event of Occurrence, Offense, Claim or Suit. a. You must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. If a claim is made or "suit" is brought against any insured, you must: (1) Immediately record the specifics of the claim or "suit" and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive written notice of the claim or "suit" as soon as practicable. c. You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or "suit"; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent.
3. Legal Action Against Us. No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative.
4. Other Insurance. If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part, our obligations are limited as follows: a. Primary Insurance. This insurance is primary except when b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in c. below. b. Excess Insurance. (1) This insurance is excess over: (a) Any of the other insurance, whether primary, excess, contingent or on any other basis, that is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work"; (b) Any of the other insurance, whether primary, excess, contingent or on any other basis, that is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner; (c) Any other primary insurance available to you covering liability for damages arising out of the premises or operations, or the products and completed operations, for which you have been added as an additional insured by attachment of an endorsement. (2) When this insurance is excess, we will have no duty under Coverages A or B to defend the insured against any "suit" if any other insurer has a duty to defend. c. Method of Sharing. If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers.
5. Premium Audit. a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request.
6. Representations. By accepting this policy, you agree: a. The statements in the Declarations are accurate and complete; b. Those statements are based upon representations you made to us; and c. We have issued this policy in reliance upon your representations.
7. Separation of Insureds. Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom claim is made or "suit" is brought.
8. Transfer of Rights of Recovery Against Others to Us. If the insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. This condition does not apply to Medical Expenses Coverage C.
9. When We Do Not Renew. If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice.
CG 00 01 04 13  ·  Page 12 of 16
Declarations Page  ·  Pages 17-20 of 88
Meridian Specialty Insurance Co.
NAIC #14788 · A.M. Best A (Excellent)
Admitted Carrier · All 50 States · DE Domiciled
Commercial General Liability Coverage Part: Declarations
ISO Form CG DS 01 10 01 · Accompanies Form CG 00 01 04 13 (Occurrence)
Policy No. CGL-2025-0481
Renewal of: CGL-2024-0481
Page 17 of 88
Item 1: Named Insured & Policy Information
Named Insured Acme Corp Holdings LLC  ·  FEIN 47-0812334
Mailing Address 412 Commerce Way, Austin TX 78701
Policy Period (12:01 A.M. Standard Time) 04/01/2025 to 04/01/2026
Form of Business Limited Liability Company
Producer Heritage Brokerage Services (#A-18827)
Description of Business Operations Internet Retailer, Apparel
Item 2: Limits of Insurance
CoverageEach OccurrenceAggregate
General Aggregate Limit (Other than Products-Completed Ops)-$2,000,000
Products-Completed Operations Aggregate (CG 21 04 attached)-EXCLUDED
Personal & Advertising Injury Limit (Any One Person or Org.)$1,000,000-
Each Occurrence Limit$1,000,000-
Damage to Premises Rented to You (Any One Premises)$100,000-
Medical Expense Limit (Any One Person)$5,000-
Item 3: Location of All Premises You Own, Rent or Occupy
001
412 Commerce Way, Austin TX 78701  ·  Headquarters / Office  ·  8,400 sq ft
002
2201 Logistics Dr, Bldg C, San Marcos TX 78666  ·  Warehouse / Fulfillment  ·  22,000 sq ft
Item 4: Schedule of Classifications & Premium
Classification Code Premium Basis Exposure Rate/$1k Adv. Premium
Internet Retailer, Apparel 18437 (s) Gross Sales $40,000,000 $1.20 $48,000
Warehouses, Private 68500 (a) Area 22,000 $0.085 $1,870
Terrorism Premium (TRIA, not declined) $240
Total Advance Premium (Annual) $50,110
Audit Period: Annual · Minimum Earned: 25% Deductible: $2,500 PD / Nil BI · Premium is Subject to Audit
Item 5: Forms & Endorsements Attached at Inception:
CG 00 01 04 13 (Occurrence Coverage Form) · CG 20 10 04 13 (Add'l Insured: Ongoing Ops) · CG 20 37 04 13 (Add'l Insured: Completed Ops) · CG 21 04 11 85 (Exclusion, Products / Completed Ops) · CG 21 47 12 07 (Employment-Related Practices Excl.) · IL 00 17 11 98 (Common Policy Conditions) · IL 00 21 09 08 (Nuclear Energy Liability Excl.) · IL 09 85 01 15 (Disclosure: Terrorism)
THESE DECLARATIONS, TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE FORM(S) AND ANY ENDORSEMENTS ATTACHED HERETO, COMPLETE THE ABOVE-NUMBERED POLICY. Countersigned at Dallas, TX on 03/18/2025 by authorized representative.
CG DS 01 10 01  ·  Page 20 of 88
Section V - Definitions
1. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition: a. Notices that are published include material placed on the Internet or on similar electronic means of communication; and b. Regarding web sites, only that part of a web site that is about your goods, products or services for the purposes of attracting customers or supporters is considered an advertisement.
2. "Auto" means: a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment".
3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time.
4. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in a. above; or c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or sold by you in the territory described in a. above; (2) The activities of a person whose home is in the territory described in a. above, but is away for a short time on your business; and (3) "Personal and advertising injury" offenses that take place through the Internet or similar electronic means of communication, provided the insured's responsibility to pay damages is determined in a "suit" on the merits, in the territory described in a. above or in a settlement we agree to.
5. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker".
6. "Executive officer" means a person holding any of the officer positions created by your charter, constitution, by-laws or any other similar governing document.
7. "Hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be.
8. "Impaired property" means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a. It incorporates "your product" or "your work" that is known or thought to be defective, deficient, inadequate or dangerous; or b. You have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by the repair, replacement, adjustment or removal of "your product" or "your work" or your fulfilling the terms of the contract or agreement.
9. "Insured contract" means: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract"; b. A sidetrack agreement; c. Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; d. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; f. That part of any other contract or agreement pertaining to your business under which you assume the tort liability of another party to pay for "bodily injury" or "property damage" to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement.
10. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker".
11. "Loading or unloading" means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto"; b. While it is in or on an aircraft, watercraft or "auto"; or c. While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or "auto".
12. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; e. Vehicles not described in a., b., c. or d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: (1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2) Cherry pickers and similar devices used to raise or lower workers; f. Vehicles not described in a., b., c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": (1) Equipment designed primarily for snow removal, road maintenance (not construction or resurfacing) or street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment.
13. "Occurrence" means an accident, including continuous or repeated exposure to substantially the same general harmful conditions.
14. "Personal and advertising injury" means injury, including consequential "bodily injury", arising out of one or more of the following offenses: a. False arrest, detention or imprisonment; b. Malicious prosecution; c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor; d. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; e. Oral or written publication, in any manner, of material that violates a person's right of privacy; f. The use of another's advertising idea in your "advertisement"; or g. Infringing upon another's copyright, trade dress or slogan in your "advertisement".
15. "Pollutants" mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.
16. "Products-completed operations hazard" a. Includes all "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of "your product" or "your work" except: (1) Products that are still in your physical possession; or (2) Work that has not yet been completed or abandoned. However, "your work" will be deemed completed at the earliest of the following times: (a) When all of the work called for in your contract has been completed. (b) When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. (c) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. b. Does not include "bodily injury" or "property damage" arising out of: (1) The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or unloading" of that vehicle by any insured; or (2) The existence of tools, uninstalled equipment or abandoned or unused materials.
17. "Property damage" means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the "occurrence" that caused it. For the purposes of this insurance, electronic data is not tangible property. As used in this definition, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment.
18. "Suit" means a civil proceeding in which damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent.
19. "Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short-term workload conditions.
20. "Volunteer worker" means a person who is not your "employee", and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you.
21. "Your product" a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold.
22. "Your work" a. Means: (1) Work or operations performed by you or on your behalf; and (2) Materials, parts or equipment furnished in connection with such work or operations. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work"; and (2) The providing of or failure to provide warnings or instructions.
CG 00 01 04 13  ·  Page 16 of 16
Common Policy Conditions
IL 00 17 11 98
All Coverage Parts included in this policy are subject to the following conditions.
A. Cancellation. 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least: a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or b. 30 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice.
B. Changes. This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy.
C. Examination of Your Books and Records. We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward.
D. Inspections and Surveys. 1. We have the right to: a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. 2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. We do not warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recommendations we may make relative to certification, under state or municipal statutes, ordinances or regulations, of boilers, pressure vessels or elevators.
E. Premiums. The first Named Insured shown in the Declarations: 1. Is responsible for the payment of all premiums; and 2. Will be the payee for any return premiums we pay.
F. Transfer of Your Rights and Duties Under This Policy. Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property.
IL 00 17 11 98  ·  Page 18 of 88
Nuclear Energy Liability Exclusion Endorsement
IL 00 21 09 08  ·  (Broad Form)
I. The following exclusion is added to the policy to which this endorsement is attached: This insurance does not apply: A. Under any Liability Coverage, to "bodily injury" or "property damage": (1) With respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or (2) Resulting from the "hazardous properties" of "nuclear material" and with respect to which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law amendatory thereof, or (b) the insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization.
B. Under any Medical Payments Coverage, to expenses incurred with respect to "bodily injury" resulting from the "hazardous properties" of "nuclear material" and arising out of the operation of a "nuclear facility" by any person or organization.
C. Under any Liability Coverage, to "bodily injury" or "property damage" resulting from "hazardous properties" of "nuclear material", if (1) the "nuclear material" (a) is at any "nuclear facility" owned by, or operated by or on behalf of, an insured or (b) has been discharged or dispersed therefrom; (2) the "nuclear material" is contained in "spent fuel" or "waste" at any time possessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an insured; or (3) the "bodily injury" or "property damage" arises out of the furnishing by an insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nuclear facility", but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion (3) applies only to "property damage" to such "nuclear facility" and any property thereat.
II. As used in this endorsement: "Hazardous properties" includes radioactive, toxic or explosive properties. "Nuclear material" means "source material", "special nuclear material" or "by-product material". "Source material", "special nuclear material" and "by-product material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". "Waste" means any waste material (1) containing "by-product material" other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its "source material" content, and (2) resulting from the operation by any person or organization of any "nuclear facility" included under the first two paragraphs of the definition of "nuclear facility". "Nuclear facility" means (a) any "nuclear reactor", (b) any equipment or device designed or used for separating the isotopes of uranium or plutonium, processing or utilizing "spent fuel", or handling, processing or packaging "waste", (c) any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium-233 or any combination thereof, or more than 250 grams of uranium-235, (d) any structure, basin, excavation, premises or place prepared or used for the storage or disposal of "waste", and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material.
IL 00 21 09 08  ·  Page 22 of 88
Disclosure Pursuant to Terrorism Risk Insurance Act
IL 09 85 01 15
A. Disclosure of Premium. In accordance with the federal Terrorism Risk Insurance Act, as amended, we are required to provide you with a notice disclosing the portion of your premium, if any, attributable to coverage for "certified acts of terrorism" as defined by the Act. The portion of your premium attributable to such coverage is shown in the policy Declarations or in the schedule below.
B. Disclosure of Federal Participation in Payment of Terrorism Losses. The United States Government, Department of the Treasury, will pay a share of terrorism losses insured under the federal program. The federal share equals a percentage of that portion of the amount of such insured losses that exceeds the applicable insurer retention. Through 2015, the federal share equals 85%. Beginning on January 1, 2016, the federal share will decrease by 1 percentage point per calendar year until it reaches 80%. The Terrorism Risk Insurance Act, as amended, contains a $100 billion cap that limits U.S. Government reimbursement as well as insurers' liability for losses resulting from certified acts of terrorism when the amount of such losses in any one calendar year exceeds $100 billion.
C. Cap on Insurer Participation in Payment of Terrorism Losses. If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act, as amended, exceed $100 billion in a calendar year and we have met our insurer deductible under the Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.
IL 09 85 01 15  ·  Page 24 of 88
Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization
CG 20 10 04 13
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
Name of Additional Insured Person(s) or Organization(s):
Any person or organization that you are required to add as an additional insured on this policy under a written contract or written agreement that is executed prior to the "bodily injury" or "property damage".
A. Section II - Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by: 1. Your acts or omissions; or 2. The acts or omissions of those acting on your behalf; in the performance of your ongoing operations for the additional insured(s) at the location(s) designated above. However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured.
B. With respect to the insurance afforded to these additional insureds, the following is added to Section III - Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.
CG 20 10 04 13  ·  Page 28 of 88
Additional Insured - Owners, Lessees or Contractors - Completed Operations
CG 20 37 04 13
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
Name of Additional Insured Person(s) or Organization(s):
Any person or organization that you are required to add as an additional insured on this policy under a written contract or written agreement.
Location(s) of Covered Operations: All locations where you perform operations under any such contract or agreement.
A. Section II - Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury" or "property damage" caused, in whole or in part, by "your work" at the location designated in the Schedule performed for that additional insured and included in the "products-completed operations hazard". However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured.
B. With respect to the insurance afforded to these additional insureds, the following is added to Section III - Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.
CG 20 37 04 13  ·  Page 32 of 88
Employment-Related Practices Exclusion
CG 21 47 12 07
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
The following exclusion is added to Paragraph 2., Exclusions of Section I - Coverage A - Bodily Injury And Property Damage Liability, and Paragraph 2., Exclusions of Section I - Coverage B - Personal And Advertising Injury Liability:
This insurance does not apply to: "Bodily injury" or "personal and advertising injury" to: a. A person arising out of any: (1) Refusal to employ that person; (2) Termination of that person's employment; or (3) Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person; or b. The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" or "personal and advertising injury" to that person at whom any of the employment-related practices described in Paragraphs a.(1), a.(2) or a.(3) above is directed. This exclusion applies: (1) Whether the injury-causing event described in Paragraphs a.(1), a.(2) or a.(3) above occurs before employment, during employment or after employment of that person; (2) Whether the insured may be liable as an employer or in any other capacity; and (3) To any obligation to share damages with or repay someone else who must pay damages because of the injury.
CG 21 47 12 07  ·  Page 36 of 88
Waiver of Transfer of Rights of Recovery Against Others to Us
CG 24 04 05 09
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
Name of Person(s) or Organization(s):
Any person or organization for whom the Named Insured has agreed by written contract, executed prior to loss, to waive rights of recovery.
The following is added to Paragraph 8. Transfer of Rights of Recovery Against Others to Us of Section IV - Commercial General Liability Conditions: We waive any right of recovery we may have against the person(s) or organization(s) shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization and included in the "products-completed operations hazard". This waiver applies only to the person(s) or organization(s) shown in the Schedule above.
CG 24 04 05 09  ·  Page 38 of 88
Designated Construction Project General Aggregate Limit
CG 25 03 05 09
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
Designated Construction Project(s):
All projects for which the Named Insured is required by written contract to provide a designated project general aggregate limit.
Designated Construction Project General Aggregate Limit: Equal to the General Aggregate Limit shown in the Declarations.
A. For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under Section I - Coverage A, and for all medical expenses caused by accidents under Section I - Coverage C, which can be attributed only to ongoing operations at a single designated construction project shown in the Schedule above: 1. A separate Designated Construction Project General Aggregate Limit applies to each designated construction project, and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Designated Construction Project General Aggregate Limit is the most we will pay for the sum of all damages under Coverage A, except damages because of "bodily injury" or "property damage" included in the "products-completed operations hazard", and for medical expenses under Coverage C regardless of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits".
B. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Designated Construction Project General Aggregate Limit for that designated construction project. Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated Construction Project General Aggregate Limit for any other designated construction project shown in the Schedule above.
C. The limits shown in the Declarations for Each Occurrence, Damage to Premises Rented to You and Medical Expense continue to apply. However, instead of being subject to the General Aggregate Limit shown in the Declarations, such limits will be subject to the applicable Designated Construction Project General Aggregate Limit.
CG 25 03 05 09  ·  Page 42 of 88
Primary and Noncontributory - Other Insurance Condition
CG 20 01 04 13
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
The following is added to the Other Insurance Condition and supersedes any provision to the contrary: This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; and (2) You have agreed in a written contract or written agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured.
CG 20 01 04 13  ·  Page 44 of 88
Employee Benefits Liability Coverage
CG 04 35 12 04
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
1. Insuring Agreement. a. We will pay those sums that the insured becomes legally obligated to pay as damages because of any act, error or omission of the insured, or of any other person for whose acts the insured is legally liable, to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages to which this insurance does not apply. b. This insurance applies to damages only if the act, error or omission is negligently committed in the "administration" of your "employee benefit program". c. The act, error or omission must take place in the "coverage territory" and during the policy period.
2. Exclusions. This insurance does not apply to: a. Damages arising out of any intentional, dishonest, fraudulent, criminal or malicious act, error or omission committed by any insured, including the willful or reckless violation of any statute; b. Damages arising out of any failure of performance of contract by any insurer; c. Any claim for benefits to the extent that such benefits are available, with reasonable effort and cooperation of the insured, from the applicable funds accrued or other collectible insurance; d. Any claim for damages other than compensatory damages; e. Damages arising out of the insured's failure to comply with the Consolidated Omnibus Budget Reconciliation Act of 1985, as amended; the Health Insurance Portability and Accountability Act of 1996, as amended; the Family and Medical Leave Act of 1993, as amended; the Americans with Disabilities Act of 1990, as amended; the Genetic Information Nondiscrimination Act of 2008; the Affordable Care Act; or any rules or regulations promulgated pursuant to or under any of these statutes; or similar provisions of any federal, state or local statutory law or common law; f. Any claim based on an insured's failure to procure insurance, bonds or annuity contracts, or failure to effect or maintain any "employee benefit program"; g. Damages arising out of an "employee benefit program" that has been the subject of any prior insurance.
3. Definitions. As used in this endorsement: "Administration" means: a. Giving counsel to "employees" with respect to the "employee benefit program"; b. Interpreting the "employee benefit program"; c. Handling of records in connection with the "employee benefit program"; or d. Effecting, continuing or terminating any "employee's" participation in any benefit included in the "employee benefit program". However, "administration" does not include: a. Handling payroll deductions; or b. The failure to effect or maintain any insurance, bond or annuity contract. "Employee benefit program" means a group insurance program, profit-sharing plan, pension plan, stock ownership plan, workers' compensation program, unemployment insurance program, deferred compensation plan, employee stock purchase plan, or any similar plan, program or coverage provided by the insured to the insured's "employees".
CG 04 35 12 04  ·  Page 50 of 88
Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability
CG 21 06 05 14
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. The following exclusion is added to Paragraph 2. Exclusions of Section I - Coverage A - Bodily Injury And Property Damage Liability: This insurance does not apply to: Access Or Disclosure Of Confidential Or Personal Information. "Bodily injury" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of any access to or disclosure of any person's or organization's confidential or personal information.
B. The following exclusion is added to Paragraph 2. Exclusions of Section I - Coverage B - Personal And Advertising Injury Liability: This insurance does not apply to: Access Or Disclosure Of Confidential Or Personal Information. "Personal and advertising injury" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of any access to or disclosure of any person's or organization's confidential or personal information.
C. The following is added to Paragraph 2. Exclusions of Section I - Coverage A and Paragraph 2. Exclusions of Section I - Coverage B: Data-related Liability. Damages arising out of: (1) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data; (2) The loss of, loss of use of, damage to, corruption of, inability to access or inability to properly manipulate "your product" or "your work" if such product or work is electronic data. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of that which is described in Paragraphs (1) or (2) above.
CG 21 06 05 14  ·  Page 54 of 88
Exclusion - Coverage C - Medical Payments
CG 21 35 10 01
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
Section I - Coverage C - Medical Payments including the Supplementary Payments provision applicable to Coverage C of the Commercial General Liability Coverage Part and any other Coverage C reference or provision in this Coverage Part do not apply. Any premium charged for Coverage C is deleted. This endorsement also deletes references to Coverage C in Section III - Limits Of Insurance and in the Declarations.
CG 21 35 10 01  ·  Page 56 of 88
Liquor Liability Coverage Form
CG 28 07 04 13
1. Insuring Agreement. a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "injury" to which this insurance applies if liability for such damages is imposed on the insured by reason of the selling, serving or furnishing of any alcoholic beverage. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "injury" to which this insurance does not apply. We may, at our discretion, investigate any "occurrence" and settle any claim or "suit" that may result. b. This insurance applies to "injury" only if: (1) The "injury" is caused by an "occurrence" that takes place in the "coverage territory"; (2) The "occurrence" takes place during the policy period; and (3) Prior to the policy period, no insured listed under Paragraph 1. of Section II - Who Is An Insured and no "employee" authorized by you to give or receive notice of an "occurrence" or claim, knew that the "injury" had occurred, in whole or in part.
2. Exclusions. This insurance does not apply to: a. Expected or Intended Injury. "Injury" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect persons or property. b. For any insured that is in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, any obligation of such insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. c. "Injury" for which the insured may also be held liable as a person or organization that manufactures, distributes, sells, serves or furnishes alcoholic beverages other than the Named Insured. d. "Injury" arising out of any alcoholic beverage that the insured manufactures, distributes, sells, serves or furnishes while any required license or permit is not in effect.
CG 28 07 04 13  ·  Page 62 of 88
Amendment of Insured Contract Definition
CG 24 26 04 13
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
Paragraph 9. of Section V - Definitions is replaced by the following: 9. "Insured contract" means: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract"; b. A sidetrack agreement; c. Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; d. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement. Paragraph f. of the definition of "insured contract" as stated in Section V - Definitions is deleted in its entirety. This endorsement eliminates contractual liability coverage for tort liability of another party assumed by the Named Insured under contract or agreement, except as specifically retained in Paragraphs a. through e. above.
CG 24 26 04 13  ·  Page 66 of 88
Recording and Distribution of Material or Information in Violation of Law Exclusion
CG 00 68 05 09
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. The following exclusion is added to Paragraph 2. Exclusions of Section I - Coverage B - Personal and Advertising Injury Liability: This insurance does not apply to: Recording And Distribution Of Material Or Information In Violation Of Law. "Personal and advertising injury" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information.
CG 00 68 05 09  ·  Page 70 of 88
Contractual Liability - Railroads
CG 28 16 04 13
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
Designated Railroad(s):
As required by written contract or agreement.
A. The definition of "insured contract" in Section V - Definitions is replaced by the following: "Insured contract" means: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract"; b. A sidetrack agreement; c. Any easement or license agreement; d. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; f. That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury" or "property damage" to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement.
B. Paragraph b. of the definition of "insured contract" in Section V includes those sidetrack agreements which are in connection with construction or demolition operations on or within 50 feet of a railroad; and Paragraph c. of the definition of "insured contract" includes those easements or license agreements which are in connection with construction or demolition operations on or within 50 feet of a railroad of the designated railroad(s) shown in the Schedule.
CG 28 16 04 13  ·  Page 74 of 88
Exclusion - Products-Completed Operations Hazard
CG 21 04 11 85  ·  Page 76 of 88
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
This insurance does not apply to "bodily injury" or "property damage" included within the "products-completed operations hazard".
The Products-Completed Operations Aggregate Limit as shown in the Declarations is eliminated. All references to the Products-Completed Operations Aggregate Limit in this Coverage Part are deleted. The premium shown in the Declarations for the "products-completed operations hazard" is eliminated. If an audit determines additional premium is owed for the policy period, that audit premium will not include any premium for the "products-completed operations hazard". All other terms and conditions of this Coverage Part remain unchanged.
Policy No.: CGL-2025-0481    Named Insured: Acme Corp Holdings LLC    Endorsement Effective: 04/01/2025
Issued By: Meridian Specialty Insurance Company    Countersigned By: Authorized Representative
CG 21 04 11 85  ·  Page 76 of 88
Exclusion - Contractors - Professional Liability
CG 32 34 04 13
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. The following exclusion is added to Paragraph 2. Exclusions of Section I - Coverage A - Bodily Injury And Property Damage Liability: This insurance does not apply to "bodily injury" or "property damage" arising out of the rendering of or failure to render any professional service. This includes but is not limited to: 1. Preparing, approving, or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders, or drawings and specifications; 2. Supervisory or inspection activities performed as part of any related architectural or engineering activities; 3. Engineering services, including related supervisory or inspection services; 4. Architectural services, including related supervisory or inspection services.
B. The following exclusion is added to Paragraph 2. Exclusions of Section I - Coverage B - Personal And Advertising Injury Liability: This insurance does not apply to "personal and advertising injury" arising out of the rendering of or failure to render any professional service. This includes but is not limited to those services listed in Paragraph A. above.
CG 32 34 04 13  ·  Page 80 of 88
Amendatory Endorsement - Policyholder Notice
MSI-CGL-AN 01 25
This endorsement modifies insurance provided under: COMMERCIAL GENERAL LIABILITY COVERAGE PART. In consideration of the premium charged, it is hereby understood and agreed that the policy is amended as follows:
1. Notice of Claim or Suit. Paragraph 2.b. of Section IV - Commercial General Liability Conditions is amended to add the following: If you report a claim or "suit" to us that was reported to your agent or your broker prior to the end of the policy period, and if we did not receive timely notice from you, we will not deny coverage for that claim or "suit" solely based on your failure to provide timely notice to us, provided that: (a) you or your agent or broker reported the claim or "suit" to us within 60 days of the end of the policy period; and (b) the late notice has not resulted in material prejudice to our ability to investigate or defend the claim or "suit".
2. Unintentional Failure to Disclose Hazards. If you unintentionally fail to disclose all existing hazards at the inception date of your policy, we will not deny coverage under this Coverage Part because of such failure. This provision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal.
3. Liberalization. If we adopt any revision which would broaden the coverage under this Coverage Part without additional premium within 60 days prior to or during the policy period, the broadened coverage will immediately apply to this Coverage Part.
MSI-CGL-AN 01 25  ·  Page 84 of 88
Misclassified
You're a manufacturer, not a retailer. This strips products liability coverage entirely.
$1.20 per $1,000 in sales
On $40M gross sales, that's $48,000 in GL premium. Market rate is $0.52-0.58/$1k. You're paying 2x what you should.
Products/Completed Ops excluded
Buried in the endorsements: CG 21 04 removes all products liability coverage, leaving ~$12M in exposure completely uncovered.
Step 1 of 2 Acme Corp: Risk Management Strategy
Client Agreement  ·  Prepared by Teal
1. Risk Management Strategy by Policy Type
Policy Type
Premium
Strategy
General Liability + Excess
$48,000
Remarket: 15+ specialty GL markets. Correct classification, lower rate from $1.20 to $0.54/$1k.
Product Liability
$12,400
Restore & Remarket: Remove CG 21 04 exclusion. Reinstate $12M products coverage across 10+ carriers.
Workers' Comp
$18,200
Mod Reduction: OSHA 300 review + return-to-work program. Target mod from 1.08 → 0.93.
Cyber + Excess
$9,600
Remarket: 10+ cyber carriers. Add BIPA/state privacy sublimits for multi-state expansion.
Management Liability
$22,800
Remarket: 20+ D&O/EPLI carriers. Lower $100k EPLI retention. Add ADA Title III.
Product Recall
—
Gap: No coverage. Conduct recall risk review. Recommend $500k-$1M dedicated policy.
2. Timeline
When
Process
Status
Week 1
Onboard onto Teal platform. Digital application (<30 min).
Done
Align on risk strategy and review analysis in portal.
Done
Week 2
Sign client agreement to formalize engagement.
Active
Begin quoting GL, Product Liability, Recall for competitive bids.
To Do
Wk 3–6
Competitive RFP across 10+ carriers. 50+ submissions on aligned strategy.
To Do
Wk 6–8
Evaluate options with risk team. Compare endorsements, exclusions, pricing.
To Do
Wk 8–10
Re-negotiate leveraging feedback. Refine quotes, improve coverages.
To Do
Renewal
Finalize & bind. Sign BOR letters. Transition all 6 policies.
To Do
Effective dates aligned for seamless renewal process going forward
Ongoing
Quarterly check-ins for evolving coverage needs, growth, new products.
To Do
Assigned: Daniel Reyes, CRM  ·  Lead risk advisor
Next: remediation plan →
Step 2 of 2 Acme Corp Holdings LLC: Program Outcomes & Forward Plan
Prepared by: D. Reyes, CRM  ·  Bound 04/28/2025
What We Executed · Outcomes 6 completed
GL reclassified & rebound with CNA Specialty
ISO 18437 corrected to 99746. CG 21 04 removed. Rate cut from $1.20/$1k to $0.54/$1k. Products coverage restored.
Bound · 4/28/25
−$14,200
5-carrier remarket completed
CNA, Travelers, Hartford, Zurich, Markel bid. CNA won at target rate. 2.2× market premium corrected.
Delivered
−$27,200
$12M products exposure gap closed
CG 21 04 exclusion removed as condition of bind. Full products-completed ops coverage reinstated across all 3 SKU lines.
Restored
$12M secured
All 6 policy dates unified to April 1
WC mid-term extension executed. Single renewal cycle replaces 3-month split. Eliminates uncoordinated mid-year endorsements.
Aligned
Operational
EPLI line added (Hartford, 32 EE)
Material exposure gap closed. $1M/$1M limits bound at $4,800 annual. Replaces prior absence of any EPLI coverage.
New line bound
Gap closed
WC experience mod protocols implemented
OSHA 300 review completed, return-to-work program live. Mod on path from 1.08 to 0.93 by next renewal.
Active
−$1,400
Looking Around Corners · As You Grow 6 watch items
False Advertising / Advertising Injury expansion
As you scale paid social and influencer campaigns, trademark and disparagement claims rise. Sublimit under current Personal & Advertising Injury is $1M; recommend $2M with IP defense endorsement.
Revisit at $15M rev
+$2-3k
EPLI: Add ADA Title III (website accessibility)
Title III digital accessibility suits are the fastest-growing EPL claim. At 50+ EE, add website accessibility endorsement and third-party EPL (customer claims).
Next EPLI renewal
+$1-2k
Product Recall coverage (standalone limit)
Consumer product manufacturer with growing SKU count. CPSC recall + brand rehabilitation is excluded from GL. Recommend $500k–$1M dedicated recall policy before next product launch.
Before new SKU
+$4-6k
Crime / Fidelity (social engineering + employee theft)
As payroll crosses $5M and AP volume scales, wire-fraud and insider-theft exposures become material. Recommend $500k limit with social engineering sublimit ($250k).
At $5M payroll
+$3-4k
Cyber: BIPA & state privacy law expansion
If expanding into CA, VA, IL, or CO, add regulatory defense sublimit for CCPA/CPRA/VCDPA/BIPA. Current At-Bay policy has limited statutory coverage.
Pre-expansion
+$2-3k
D&O Side-A DIC & international package
Post-Series B, add Side-A DIC ($2M) for board protection. If cross-border manufacturing or distribution begins, add Foreign Package policy.
Next funding round
Varies
Lead advisor: Daniel Reyes, CRM · Program bound 4/28/2025 · Ongoing: quarterly review cadence with full platform access.
$42,800
Year 1 delivered
$12M+
Exposure secured
Proactive risk management

Proactive Risk Assessment in Action

We model catastrophe scenarios before they happen. Take a look at how we modeled Cafe Retail Partners' property and business interruption impact from a potential catastrophic coastal storm.

Catastrophe Modeling
Coastal Exposure Analysis
Business Interruption Impact
Proactive Mitigation
11 of 19
Store locations flagged in the flood exposure zone
$5M
BI limit secured with Travelers at best-in-class terms
5
Carrier markets benchmarked for BI and surplus treaty placement

This is what proactive risk management looks like - modeling scenarios, quantifying impact, and tightening your program before anything happens. All of it lives inside one platform.

The platform

Everything in one place, built for you

Your policies, certificates, and claims, managed in a single dashboard your whole team can access. Your dedicated risk advisory team works inside the same platform.

Full program visibility Every policy in one view: carrier, limits, effective dates, and premium. No more chasing PDFs.
COIs in seconds Request a certificate of insurance. It's generated and emailed to your counterparty automatically.
Claims we actually manage Report a claim in the platform. Your risk advisory team takes it from there and fights for the best outcome.
Your risk advisory team, inside the platform A dedicated team of risk managers is always accessible. Not a call center, not a chatbot.
Insurance Services: Acme Corp
Policies
Certificates
Claims
Proposals
Billing
Your Team
Calendar
Next renewal: Apr 1, 2026
Total Premium $88,400 ↓ Saved $31k vs. prior year
Active Policies 4 All coverages current
Next Renewal Apr 1 GL · Cyber · D&O
Open Claims 2 ⚠ 1 in review
IndustryConsumer Brand
Revenue$40M
Employees32
Loss Ratio18%
CoverageCarrierEffectiveExpiresPremiumStatus
General Liability
CNACNA Financial
 04/01/2504/01/26 $26,000 Active
Coverage Limits
Each Occurrence$1,000,000
General Aggregate$2,000,000
Prod / CO Aggregate$2,000,000
Personal & Adv. Injury$1,000,000
Fire Damage (Any One)$100,000
Medical Expense$5,000
Key Endorsements
CG 20 10: Additional Insured (Ongoing Ops)
CG 20 37: Additional Insured (Completed Ops)
CG 25 03: Designated Project Aggregate
CG 21 67: Fungi & Bacteria Exclusion
CG 24 04: Waiver of Transfer of Rights
Premium & Payment
Annual Premium$26,000
Installments$2,167 / mo
Plan12-pay monthly
Paid to date$4,334
Next payment: May 1, 2025
Documents
Cyber Insurance
AT-BAYAt-Bay
 04/01/2504/01/26 $18,400 Active
D&O Policy
MARKELMarkel Corp
 04/01/2504/01/26 $31,200 Renewing
Workers Comp
EMPLRSEmployers Holdings
01/01/25 !
Effective date out of sync with other policies.
Consider aligning to Apr 1 on next renewal.
 01/01/26 $12,800 Active
Workers Compensation · Employers Holdings · Policy WC-2025-0112
Eff. Date 01/01/2025
Exp. Date 01/01/2026
Bodily Injury / Occurrence $1,000,000
Bodily Injury / Employee $1,000,000
Policy Limit $1,000,000
Annual Premium $12,800
⚠
Renewal Advisory: Effective Date Misalignment
Your Workers Comp policy renews January 1, while your GL, Cyber, and D&O all renew April 1. Misaligned dates create gaps in coordinated coverage, complicate mid-term endorsements, and require two separate renewal processes each year. We recommend requesting a short-term extension at renewal to align all policies to a single April 1 effective date. We will handle this with the carrier.
→ Your advisory team will address at renewal
Total program premium $88,400 / yr
Certificates of Insurance
Auto-generated & delivered instantly
Northstar Realty Partners
CGL + Umbrella · Requested 2 min ago
WeWork, 123 Main St, Austin
CGL · Issued yesterday · Emailed to landlord
JPMorgan Chase & Co.
CGL + D&O · Issued Apr 8 · Emailed
Fieldwork Distribution Co.
CGL + Workers Comp · Issued Apr 2
COI for Northstar Realty generated and emailed automatically.
Claims
2 open · 1 closed this year
In Review
GL-2025-002 · Slip & Fall: Customer Injury
General Liability · Reported Apr 15, 2025 · Meridian Specialty
$0
paid to date
Open
CY-2025-001 · Ransomware Incident
Cyber Insurance · Reported Mar 3, 2025 · Coalition Inc.
$41,200
paid to date
Closed
WC-2024-087 · Workplace Injury
Workers Comp · Reported Dec 3, 2024 · Employers Holdings
$14,200
total paid
WC-2024-087: Claim Resolution Timeline
Filed
Dec 3, 2024
Acknowledged
Dec 5, 2024
Treatment Auth.
Dec 9, 2024
Investigation
Dec 18, 2024
Settlement
Jan 8, 2025
Payment Issued
Jan 14, 2025
$14,200 ✓
Claim Summary Warehouse associate strained lower back lifting a pallet on the loading dock. Reported same-day to supervisor; Marcus filed with Employers Holdings within 24 hrs. Medical treatment authorized in 6 days, employee returned to modified duty Jan 2, full duty Jan 20. Settled for $14,200 (medical + 4 wks wage replacement) - 42 days from filing to payment, no litigation.
SK
Sarah K., Your Risk Advisor
I'm handling the GL-2025-002 claim directly with Meridian. Expect an update by Friday. No action needed from your team.
Coverage Proposals
3 signed · 1 awaiting signature
2026 Program Renewal - GL + Umbrella
Proposed Mar 12, 2026 · 3 carrier options
$38,800/yr
✓ Signed Mar 18
CNA Financial $2M / $4M $38,800 Recommended · Bound
Travelers $2M / $4M $42,100 Alt - broader products
Hartford $1M / $2M $34,500 Budget · lower limits
E-signed by Jamie Park, CFO · 03/18/2026 14:22 · Verified
Cyber Liability - $3M Limit
Proposed Mar 14, 2026 · 2 carrier options
$18,400/yr
✓ Signed Mar 20
E-signed by Jamie Park, CFO · 03/20/2026 09:48 · Verified
Catastrophe Risk Mitigation Model
Proposed Mar 15, 2026 · Tri-State coastal storm scenario
$38,500/yr
✓ Signed Mar 22
E-signed by Jamie Park, CFO · 03/22/2026 11:05 · Verified
Product Recall Coverage - New Line
Proposed Apr 10, 2026 · Awaiting signature
$6,800/yr
Awaiting signature
Sent to Jamie Park · Apr 10
CARRIER LIMIT RETENTION TERM PREMIUM
Great American $1,000,000 $25,000 12 mo $6,800
Starr Specialty $1,000,000 $50,000 12 mo $7,450
Coverage scope CPSC-mandated recall + voluntary withdrawal · 1st-party costs
Brand rehabilitation sublimit $250,000
Crisis response retainer Included · 72-hr response · RQA on retainer
Third-party liability $500,000 sublimit · coordinates with Umbrella
Territory US + Canada · worldwide suits
Reporting basis Claims-made & reported · 60-day ERP
Advisor Priya Patel · Coverage Specialist
Effective date (if bound) 04/14/2026 · 12:01 AM ET
COVERED COSTS Product retrieval Customer notification Destruction & disposal Replacement inventory Lost gross profit (180 days) PR / crisis consultants Extra shipping Consultant fees
Key Endorsements
  • Contaminated Product Extension - malicious/accidental
  • Government Recall Expense - full CPSC reimbursement
  • Pre-recall investigation costs (up to $50k)
  • Social media / brand monitoring sublimit ($75k)
Exclusions to Note
  • Known defects prior to inception
  • Asbestos, PFAS, tobacco
  • Patent/IP infringement
  • Fines & penalties (civil actions covered)
Carrier rating AM Best A (Excellent) XV
Admitted status Admitted - all 50 states
Loss history (program) 18% loss ratio · 0 claims YTD
Minimum earned 25% at inception
Premium Breakdown
Base premium$6,250.00
Terrorism (TRIA) - declined$0.00
Policy fee$125.00
Surplus lines tax (n/a - admitted)$0.00
Teal Risk advisory fee (included)$425.00
Total annual premium$6,800.00
Financed - 10 payments of$680.00/mo
Why we recommend Great American: Lowest effective rate (~9% below Starr at equivalent terms), broadest trigger language - covers voluntary recall even without a government order - and fastest claims response with RQA crisis consultants on retainer. A-rated admitted paper, so no surplus-lines tax and guaranty-fund protection. Starr is a viable alternative if you want lower retention flexibility on brand rehab claims.
New line - no prior coverage. Closes the product-recall gap identified in the Q1 program review. Fills a $1M hole that was previously self-insured.
Jamie Park, CFO
E-signed by Jamie Park, CFO · 04/14/2026 · Notifying Great American to bind coverage · Binder & policy # to follow
Proposal signed - notifying Great American to bind Product Recall coverage.
Premium Financing & Billing
10-pay plan · 2026 program year
Total Financed $88,400 Program premium + fees
Paid to Date $26,520 3 of 10 installments
Remaining $61,880 7 installments left
Next Payment $8,840 Due May 1 · Auto-pay on
Program paid 30% · $26,520 / $88,400
FebAprJunAugOctDec
#
Due Date
Amount
Method
Status
1
Feb 1, 2026
$8,840
ACH · Chase ••4412
2
Mar 1, 2026
$8,840
ACH · Chase ••4412
3
Apr 1, 2026
$8,840
ACH · Chase ••4412
4
May 1, 2026
$8,840
ACH · Chase ••4412
Due in 17 days
5
Jun 1, 2026
$8,840
ACH · Chase ••4412
Scheduled
6–10
Jul–Nov 2026
$8,840 / mo
ACH · Chase ••4412
Scheduled
Financed through IPFS · 0% APR on 10-pay plan
No origination fees. Auto-pay active - we'll notify you 5 days before each debit.
Dedicated Team - Experts in Your Industry
Direct access to every specialist on your account
JS
Justin Shinnick Founder & CEO
Construction Consumer Brands Hospitality Tech Startups
Career spent building insurance technology brokerages from the ground up. Deep placement expertise across Construction, Consumer Brands, Hospitality, and Tech Startups - has managed hundreds of millions in premium across complex, multi-line programs. Founded Teal Risk to replace legacy broker economics with a flat-fee, tech-native model that aligns incentives with clients.
DR
Daniel Reyes Senior Risk Advisor
GL Umbrella Products
Formerly SVP at Marsh & McLennan, placing complex risks across hospitality and consumer brands. Led a $600M book of middle-market commercial programs over 14 years.
SK
Sarah Kellerman Your Risk Advisor
D&O Cyber E&O
Previously Senior Broker at Aon, specializing in management liability and tech E&O for growth-stage companies. Placed programs for 60+ VC-backed brands.
MC
Marcus Chen Claims Advocate
Claims Workers Comp Litigation
Ex-Senior Claims Consultant, Gallagher Bassett. Handled contested commercial claims totaling over $40M. Clients routinely recover 2–3× initial carrier offers.
PP
Priya Patel Coverage Specialist
Cyber D&O Policy Review
Former Specialty Underwriter at Chubb, focused on cyber and management liability. Now reviews every policy form your program carries for gaps before you sign.
Upcoming Meetings
Your Teal team · scheduled touchpoints
APR
24
10:30 AM
Quarterly Review
Quarterly Check-In · Justin Shinnick
45 min · Zoom · Justin Shinnick, Sarah K., Teal Client Manager
🔗 Call room
MAY
8
2:00 PM
Claims
Claims Review · Marcus Chen
30 min · Zoom · Open claims walk-through & reserve update
🔗 Call room
MAY
23
11:00 AM
Risk
Risk Advisor Working Session · Daniel Reyes
60 min · On-site · Loss control & OSHA log review
🔗 Call room
JAN
16
9:30 AM
Renewal
Renewal Kick-Off · Justin Shinnick
60 min · Zoom · Strategy, exposures & target markets for Apr 1
🔗 Call room
Coverage gap audit

The deficiencies your broker missed

These are real examples of what our team finds when we review a new client's program. Most companies carry policies that look complete on paper but contain exclusions, misclassifications, and gaps that would leave them exposed at the worst possible moment.

Click any finding below to see exactly what was wrong and how we fixed it.

94% of new clients have at least one critical coverage deficiency their broker never flagged
$2.4M average potential uncovered loss exposure per program reviewed in 2025
24 hrs typical turnaround for your initial program review
General Liability Misclassified as "Internet Retailer": should be Baby Clothes Manufacturer Critical ▼
What we found
The company designs and sells baby clothing under its own brand, with manufacturing outsourced overseas. Their broker classified them as an "Internet Retailer" to obtain a lower premium. This classification stripped out products-completed operations coverage. Under the apparent manufacturer doctrine - case law holding that a brand owner who designs a product and puts their name on it is treated as the manufacturer even if production is outsourced - this company carries full products liability exposure. White-labeling or private-labeling does not change that. They were paying retailer-tier premium for manufacturer-level risk, with none of the coverage to match.
What we did
Reclassified the account as a Consumer Products Manufacturer, added a proper Products-Completed Operations limit of $5M, and attached a Vendor's Endorsement covering the overseas supplier chain. Premium increased $18k/yr, but uncovered product liability exposure dropped from ~$12M to zero. We also negotiated the carrier to back-date the change, closing the prior gap retroactively.
Cyber Pixel tracking / wrongful data collection exclusion buried in policy form Critical ▼
What we found
The company used Meta Pixel and Google Analytics tags across its e-commerce site and embedded health-related product pages. Their cyber policy contained a Wrongful Collection of Data exclusion that voids coverage for any claim arising from tracking pixels, session replay tools, or behavioral data collection, even if the collection was unintentional. Given the current wave of CIPA and VPPA class actions targeting pixel use, this exclusion represented a near-certain uncovered claim.
What we did
Sourced a cyber carrier without the wrongful collection exclusion and added a Regulatory Defense sublimit of $2M covering state privacy law investigations (CCPA, HIPAA adjacent). We also connected the client's engineering team with our risk management team to audit and document their pixel consent flows, reducing both the exposure and the carrier's risk, which brought premium down $9k vs. the prior policy.
D&O Major shareholder exclusion effectively voiding all board-level coverage Critical ▼
What we found
The policy included a standard Large Shareholder Exclusion, excluding all claims brought by or on behalf of any shareholder owning more than 10% of outstanding shares. The company's two lead investors held 62% combined. In practice, any derivative suit, M&A dispute, or board-level governance claim brought by either investor (the most likely sources of D&O claims at this stage, would be entirely excluded). The policy was effectively useless for its primary purpose.
What we did
Negotiated the exclusion up to a 25% threshold with a carve-back for derivative actions brought in a representative capacity. Added a Side-A DIC layer providing $5M in excess coverage with zero exclusions for individual directors when the company cannot indemnify. Worked with D&O counsel to ensure the tower adequately covered the cap table structure. Total program cost reduced 14% while actual coverage improved materially.
EPLI Independent contractor exclusion leaving gig workforce fully exposed High ▼
What we found
The company operated a marketplace with ~400 independent contractors. Their EPLI policy contained a blanket Independent Contractor Exclusion. Any harassment, discrimination, or wrongful termination claim brought by a contractor, regardless of how courts classify the worker, would be denied. California's ABC test and similar state standards mean many of these workers could be deemed employees at trial, triggering employment claims against a policy that won't respond.
What we did
Replaced the policy with a form that includes a Contingent Worker Endorsement, extending coverage to independent contractors and gig workers up to the full policy limit. Added a Wage & Hour Defense sublimit ($500k) and a Misclassification Defense endorsement. Connected HR leadership with employment counsel to update contractor agreements, a proactive step carriers rewarded with a 12% premium credit.
Property / BI Business interruption period capped at 30 days. Recovery takes 9+ months High ▼
What we found
The company's property policy included Business Interruption coverage, but with a 30-day Maximum Period of Indemnity, a common cost-cutting measure brokers apply without client awareness. For a manufacturing-adjacent business with a specialized facility, a fire or major loss typically requires 9–18 months to rebuild and resume operations. The policy would pay 30 days of lost revenue and leave the rest uncovered, in a scenario where the company generates $800k/month in revenue.
What we did
Extended the Period of Indemnity to 18 months and added an Extended Period of Indemnity endorsement covering 6 additional months post-reopening (to account for customer recapture lag). Added Contingent Business Interruption for the top 3 overseas suppliers. Total additional premium was $14k/yr, against $9.6M in previously uncovered revenue exposure over an 18-month shutdown scenario.
These are illustrative examples based on real deficiency types commonly found in our program reviews. Specific facts have been generalized. Coverage outcomes vary by carrier, jurisdiction, and policy form. This does not constitute legal or insurance advice.
Pricing

One flat fee.
Incentives actually aligned with yours.

We charge a single flat fee, scoped to your program. No commissions, no spiffs, no percentage of premium. A traditional broker earns more when your rates rise and earns more by placing broader coverage than your business actually requires. Our fee stays fixed either way. That alignment is the foundation of everything we do.

The hidden cost of commissions
Watch what happens to a real 6-line program over 5 years
Premium Broker compensation
Commission broker
Earns 10–15% of premium. More premium = more commission.
Year 1Program placed at incumbent carrier. Commission embedded in premium: $13,440
Year 2Slip & fall claim hits loss runs. Broker doesn't remarket. +8%
Year 3No competitive bid. Incumbent keeps account. +11%
Year 4Hard market + 2nd claim. Premium spikes. Commission now $19k. +18%
Year 5Still no remarket. +9%. Broker earns $20,730. That's a +54% raise for no new work.
5-year gross premium$651k
Hidden commissions (in your premium)$84k
Flat advisory fee (us)
Our fee replaces the commission. It's fixed. It doesn't grow with your premium.
Year 1Full audit. GL reclassified, dates aligned, 3 gaps closed. premium $88.4k, saving $29.5k immediately. Fee: $14,500
Year 2Claim actively managed. 4 lines remarketed. premium −4%
Year 3GL + Cyber moved to better carriers. WC exp. mod reduced through protocol improvements. −6%
Year 4Full program remarket. Program stable. Fee unchanged. flat
Year 5Carrier competition drives further savings. Fee still $14,500. Incentives never drifted.
5-year gross premium$410k
5-year advisory fees$72.5k
Commission broker: 5-yr total cost
$651k
Premium includes $84k in hidden commissions
vs
Flat-fee advisory (us): 5-yr total cost
$483k
$410k premium + $72.5k advisory fee
$168k
total savings over 5 years
Tracked lines General Liability Cyber D&O EPLI Workers Comp Property
Complimentary program review

See exactly where your
program stands, objectively.

Share your current policies and we'll deliver a clause-by-clause review covering gaps, misclassifications, and market rate benchmarks. Most reviews are back within 24 hours. No pressure, no obligation.

Have us review your program → Speak with a risk manager