Orange County NC Website
Browse       Search
DocuSign Envelope ID:8C7A270E-432E-42E0-A5B7-5136E53010EC <br /> PI-BELL-1 (11/09) <br /> II. CONDITIONS <br /> A. Applicability of Coverage <br /> Coverage provided by your policy and any endorsements attached thereto is amended by this <br /> endorsement where applicable. <br /> B. Limits of Liability or Limits of Insurance <br /> 1. When coverage is provided by this endorsement and another coverage form or <br /> endorsement attached to this policy, the greater limits of liability or limits of insurance will <br /> apply. In no instance will multiple limits apply to coverages which may be duplicated within <br /> this policy. Additionally, if this policy and any other coverage part or policy issued to you by <br /> us, or any company affiliated with us, apply to the same occurrence, offense, wrongful act, <br /> accident or loss, the maximum limits of liability or limits of insurance under all such <br /> coverage parts or policies combined shall not exceed the highest applicable limits of liability <br /> or limits of insurance under any one coverage part or policy. <br /> 2. Limits of liability or limits of insurance identified in Section I. SCHEDULE OF ADDITIONAL <br /> COVERAGES AND LIMITS above are not excess of, but are in addition to the applicable <br /> Limits of Liability or Limits of Insurance stated in the Declarations. <br /> C. Claim Expenses <br /> Coverages provided herein are not applicable to the generation of claim adjustment costs <br /> by you; such as fees you may incur by retaining a public adjuster or appraiser. <br /> III. ADDITIONAL COVERAGES <br /> A. Business Travel Accident Benefit <br /> We will pay a Business Travel Accident Benefit to the insured if a director or officer suffers <br /> injury or death while traveling on a common carrier for your business during the policy period. <br /> For the purpose of Business Travel Accident Benefit coverage, injury means: <br /> 1. Physical damage to the body caused by violence, fracture, or an accident that results in <br /> loss of life not later than one hundred eighty (180) days after the policy expiration, the date <br /> of cancellation or the date of non-renewal; <br /> 2. Accidental loss of limbs or multiple fingers; <br /> 3. Total loss of sight, speech or hearing. <br /> The limit of insurance for this coverage is $50,000 per policy period for all insureds combined. <br /> No deductible applies to this coverage. <br /> The Business Travel Accident Benefit shall not be payable if the cause of the injury was: <br /> 1. An intentional act by the insured; <br /> 2. An act of suicide or attempted suicide; <br /> 3. An act of war; or <br /> 4. A disease process. <br /> Page 2 of 8 <br /> ©2009 Philadelphia Indemnity Insurance Company <br />