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NS 056170
Policy Number
COMMERCIAL LINES PULIUY 1_ V , , , ��t
COMMON POLICY DECLARATIONS
NAUTILUS INSURANCE COMPANY
Scottsdale, Arizona
Named Insured and Mailing Address
(No., Street, Town or City, County, State, Zip Code)
KEY BISCAYNE CHAMBER OF COMMERCE
328 CRANDON BOULEVARD #217
KEY BISCAYNE, F1. 33149
Agent and Mailing Address Agency No. 0922 -
(No., Street, Town or City, County, State, Zip Code)
GABOR INSURANCE SERVICES, INC.
P.O. BOX 524237
MIAMI, FL. 33152-4237
Policy Period: From 05/11/97 to
at your mailing address shown above.
ts)
Policy No. NS :.'
THIS INSURANCE IS ISSUED PURSUANT TO THE FLORIDA SURPLUS
LINES LAW. PERSONS INSURED BY SURPLUS LINES CARRIERS DO NOI
HAVE THE PROTECTION OF THE FLORIDA INSURANCE GUARANTY
ACT TO THE EXTENT OF ANY RIGHT OF RECOVERY FOR THE OBLIGATION
OF AN INSOLVENT UNLICENSED INSURER
05/11/98 at 12:01 A.M. Standard Time
Business Description: OFFICE FOR KEY BISCAYNE CHAMBER OF COMMERCE
Tax State FL
IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY,
WE AGREE WITH YOU TO PROVIDE THE INSURANCE STATED IN THIS POLICY.
THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED.
THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT.
';',ALD STEVEN GABOR
Commercial Property Coverage Part ,A1 79tt. AVENUE
>UITE 119
Commercial General Liability Coverage Part':AMI, FLORIDA 33166
Tax & Fee Schedule
Policy Fee
State Tax
DOR Surcharge
-;URPLUS ? IE ES AGENT
f ''T MORTON D. WEINER
i1oBrON D.
MIAMI Fr - -
$ 25.00
52.15
4.00
PREMIUM
$ 500.00
$ 518.00
$
TOTAL ADVANCE PREMIUM $ 1,018.00
TOTAL TAXES & FEES $ 81.15
TOTAL $ 1,099.15
Form(s) and Endorsement(s) made a part of this policy at time of issue*:
S944J(05/95), S 492(08/95), S 150 (02/95).
*Omits applicable Forms and Endorsements if shown in specific Coverage Part/Coverage Form Declarations.
Countersigned: Miami Fl. By
GABOR INSURANCE SERVICES, INC.
)
05/27 /97me Authorized Representative
THESE DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE PART DECLARATIONS, COVERAGE PART COVERAGE
FORM(S) AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY
r„aterial of Insurance Seances Office, Inc with its permission Copyright, Insurance Services Office, Inc , 1983, 1984
NAUTILUS INSURANCE COMPANY
COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS
POLICY NUMBER: NS 068216 Effective Date: 05/11/91 12:01 A.M. Standard Time
LIMITS OF INSURANCE
General Aggregate Limit (Other Than Products/Completed Operations)
$ 600,000.
Products/Completed Operations Aggregate Limit
$ Excluded
Personal and Advertising Injury Limit
$ 300,000.
Each Occurrence Limit
$ 300,000.
Fire Damage Limit
$ 50.000.
Any One Fire
Medical Expense Limit
$ 1,000.
Any One Person
Aggregate limits for classifications stating "Including Products/Completed Operations"
are included within the General
Aggregate Limit
BUSINESS DESCRIPTION AND LOCATION OF PREMISES
(other than Partnership or Joint Venture)
FORM OF BUSINESS: • Individual • Joint Venture
• Partnership
■ Organization
BUSINESS DESCRIPTION:Office for Key Biscayne Chamber of Commerce
LOCATION OF ALL PREMISES YOU OWN, RENT, OR OCCUPY:
328 Crandon Blvd. #217, Key Biscayne, Dade COunty, Fl. 33149
LOCATION OF JOB SITE (If Designated Projects are to be Scheduled):
PREMIUM
RATE
ADVANCE
CODE # - CLASSIFICATION
*
BASE
PR/CO All Other
PREMIUM
# 61226 - Building or Premises
a)750
Incl.
529.404
397.00
Office -Other than Not -
For -Profit
41669 Club Civic Service/Social
t) 90
Incl.
1.342
121.00
#. _ No building or premises
owned or leased except for
office purposes other Than -
Not -For -Profit.
# -
# -
* PREMIUM BASE SYMBOLS a = Area (per 1,000 square feet of area) c = Total Cost (per 81,000 Total Cost)
m = Admissions (per 1,000 Admissions) p = Payroll (per $1,000 of Payroll) s = Gross Sales (per $1,000 Gross Sales)
t = See Classification u = Units (per unit)
PREMIUM FOR THIS COVERAGE PART $ 518.00
FORMS AND ENDORSEMENTS (other than applicable Forms and Endorsements shown elsewhere in the policy)
Forms and Endorsements applying to this Coverage Part and made part of this policy at time of issue:
S 022(02/95), S 013(02/95), CG 2116(11/85),CG 0001(01/96),S 001(02/95),S 051(02/95),
S 007(08/95),S 033(01/92), S 066(01/92).
r. 1,M. AIDATIrIMC ARP PART fF THE POLICY DECLARATIONS CONTAINING THE NAME OF THE INSURED AND THE POLICY PERIOD
NAUTILUS INSURANCE COMPANY
COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS
POLICY NUMBER: NS -68216
❑ Supplemental Declarations is attached.
Effective Date: 05/11/97
12:01 A.M. Standard Time
BUSINESS DESCRIPTION
'
DESCRIPTION OF PREMISES
PREMISE # BLDG. # CONST CLASS # LOCATION
1 1 328 Crandon Boulevard#217, Key Biscayne, Dade County, Fl. 33149
On a Two Story, Masonry Non Combustible Building, occupied as
an office for Key Biscayne Chamber of Commerce.
COVERAGES PROVIDED (INSURANCE AT THE DESCRIBED PREMISES APPUES ONLY FOR COVERAGES FOR WHICH A UMIT OF INSURANCE IS SHOWN)
PREMISE # BLDG # COVERAGE - Bldg, Cts, Other UMIT OF INSURANCE COVERED CAI LcFC OF LOSS • COINSUR % RATES
1 1 Contents $10,000. Special X Theft 90Z 1.00
X -Wind
• IF EXTRA EXPENSE COVERAGE, UMITS ON LOSS PAYMENT
OPTIONAL COVERAGES (APPLICABLE ONLY WHEN ENTRIES ARE MADE IN THE SCHEDULE BELOW)
PREMISE # BLDG.# AGREED VALUE COVERAGE AMOUNT REPLACEMENT COSTQQ
EXPIRATION DATE BUILDING PERSONAL PROPERTY INCLUDING 'STOCK"
INFLATION GUARD (Percentage) •' MONTHLY UMIT OF '• MAXIMUM PERIOD •• EXTENDED PERIOD
PREMISE # BLDG. # BUILDING PERSONAL PROPERTY INDEMNITY (Fraction) OF INDEMNITY QQ OF INDEMNITY (Days)
•• APPLIES TO BUSINESS INCOME ONLY
MORTGAGE HOLDER (s)
PREMISE # BLDG. # MORTGAGE HOLDER NAME AND MAIUNG ADDRESS
DEDUCTIBLE $ 1,000.00 Exceptions:
PREMIUM FOR THIS COVERAGE PART $ 500.00
FORMS AND ENDORSEMENTS (other than applicable Forms and Endorsements shown elsewhere In the policy)
Forms and Endorsements applying to this Coverage Part and made part of this policy at time of issue:
APPUCABLE TO ALI. COVERAGES.
CP 0010(06/95),CP0090(07/88),CP1030(06/95),S 400(02/95),S 403(01/92),S 020(02/95),
CP 1033(06/95), Cp1054(06/95).
APPUCABLE TO SPECIFIC PREMISES/COVERAGES;
PREMISE # BLDG. # COVERAGES FORM NUMBERS
-..� .r ,oATvnnie ACM PART nF TI-IP PCN ICY DECLARATIONS CONTAINING THE NAME OF THE INSURED AND THE POLICY PERIOD
POLICY NUMBER:NS 068216 COMMERCIAL GENERAL LIABILITY
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
EXCLUSION DESIGNATED PROFESSIONAL SERVICES
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART.
SCHEDULE
Description of Professional Services:
1. CHAMBER OF COMMERCE
2.
3.
(If no entry appears above, information required to complete this endorsement will be shown in the Declarations
as applicable to this endorsement.)
With respect to any professional services shown in the Schedule, this insurance does not apply to "bodily injury;'
"property damage;' "personal injury" or "advertising injury" due to the rendering or failure to render any
professional service.
CG 21 16 11 85 Copyright, Insurance Services Office, Inc., 1984 0
IVHU 11LUJ IIVJUIVAIVIiC lrUMrAIVY
POLICY NUMBER: COMMERCIAL GENERAL LIABILITY
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DEDUCTIBLE LIABILITY INSURANCE
(Including Costs and Expenses)
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
Coverage
Bodily Injury Liability (including Costs and Expenses)
Property Damage Liability (including Costs and Expenses)
Amount of Deductible
$ 500.00 per claim
$ 500.00 per claim
APPLICATION OF ENDORSEMENT (Enter below any limitations on the, application of this endorsement. If no limitation
is entered, the deductibles apply to damages for all "bodily injury" and "property damage", however caused):
1. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay damages on your
behalf applies only to the amount of damages in excess of any deductible amounts stated in the schedule as
applicable to such coverages, and the limits of insurance applicable to each "occurrence" for such coverages will be
reduced by the amount of such deductible. "Aggregate" limits for such coverages shall not be reduced by the
application of such deductible.
2. The deductible amounts stated are on a PER CLAIM BASIS the deductible amount applies:
a. Under the Bodily Injury Liability, to all damages because of "bodily injury" sustained by one person; or
b. Under the Property Damage Liability, to all damages because of "property damage" sustained by one person or
organization;
as a result of any one "occurrence".
3. The deductible amount shown in the Schedule applies toward investigation, adjustment and legal expenses
incurred in the handling and investigation of each claim, whether or nut payment is made to claimant, compromise
settlement is reached or claim is denied.
4. The terms of this insurance, including those with respect to:
a. Our right and duty to defend "suits" seeking those damages; and
b. Your duties in the event of an "occurrence", claim or "suit",
apply irrespective of the application of the deductible amount.
5. We may at our sole election and option, either:
a. Pay any part or all of the deductible amount to effect settlement of any claim or "suit" and upon notification of the
action taken, you shall promptly reimburse us for such part of the deductible amount as has been paid by us; or
b. Upon our receipt of notice of any claim or at any time thereafter, feguest you to pay over and deposit with us all
or any part of the deductible amount, to be held and applies per the terms of this policy.
All other Terms and Conditions of this Policy remain unchanged.
S 022 (02/95)
NAUTILUS INSURANCE COMPANY
POLICY NUMBER: COMMERCIAL GENERAL LIABILITY
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
MINIMUM EARNED PREMIUM ENDORSEMENT
If this insurance is cancelled at your request, there will be a minimum earned premium retained by us of
$ 255.00
whichever is greater.
or 25 % of the premium for this insurance,
All other Terms and Conditions of this Policy remain unchanged.
S 013 (02/95)
ACORD CERTIFICATE OF LIABILITY INSURANCE CSR EB
KEYBI-2
DATE (MMIDDIYY)
11/06/01
PRODUCER
MORTON D. WEINER/AMPAC
CORAL GABLES
362 MINORCA AVENUE
CORAL GABLES FL 33134
Phone: 305-444-2324 Fax:305-444-4980
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION
ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE
HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR
ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.
INSURERS AFFORDING COVERAGE
INSURED
Key Biscayne Chamber Commerce
Mr. Bob Brookes
328 Crandon Blvd. #217
Key Biscayne FL 33149
INSURER A
Nautilus Insurance Company
INSURER B
INSURER C
INSURER D
INSURER E
COVERAGES
THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED NOTWITHSTANDING
ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR
MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH
POLICIES AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS
INSR
LTR
TYPE OF INSURANCE
POLICY NUMBER
POLICY EFFECTIVE
DATE (MMR)DIYY)
POLICY EXPIRATION
DATE (MMIDDIYY)
LIMITS
A
GENERAL
X
LIABILITY
COMMERCIAL GENERAL LIABIUTY
NS082083
05/11/01
05/11/02
EACH OCCURRENCE
$1,000,000
FIRE DAMAGE (Any one foe)
s 50,000
CLAIMS MADE Z OCCUR
MED EXP (Ann, one person)
$ 1,000
GEN'L
PERSONAL BADV INJURY
$1,000,000
GENERAL AGGREGATE
$2,000,000
AGGREGATE UMR APPUES PER
POLICY �� PE T LOC
PRODUCTS - COMP/OP AGG
$ Included
AUTOMOBILE
LIABILITY
ANY AUTO
ALL OWNED AUTOS
SCHEDULED AUTOS
HIRED AUTOS
NON OWNED AUTOS
COMBINED SINGLE LIMP'
(Ea accttlent)
$
BODILY INJURY
(Per person)
$
BODILY INJURY
per acc,OefH)
$
PROPERTY DAMAGE
(Per acutleM)
$
GARAGE
LIABILITY
ANY AUTO
AUTO ONLY EA ACCIDENT
$
EA ACC
OTHER THAN
$
AUTO ONLY AGG
5
EXCESS
LIABILITY
OCCUR CLAIMS MADE
DEDUCTIBLE
RETENTION 5
EACH OCCURRENCE
$
AGGREGATE
$
5
$
WORKERS COMPENSATION AND
EMPLOYERS' LIABILITY
WC STATU- OTH-
TORY LIMITS ER
E L EACH ACCIDENT
$
E L DISEASE - EA EMPLOYEE
$
E L DISEASE POLICY UMIT
$
OTHER
DESCRIPTION OF OPERATIONS/LOCATIONSNEHICLESIEXCLUSIONS ADDED BY ENDORSEMENT/SPECIAL PROVISIONS
Certificate holder is landlord
CERTIFICATE HOLDER 1 N ADDITIONAL INSURED, INSURER LETTER:
CANCELLATION
VILLAGE
THE VILLAGE OF KEY BISCAYNE
C. Samuel Kissinger, Village
Manager
85 McIntyre Street
Key Biscayne FL 33149
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION
DATE THEREOF, THE ISSUING INSURER WILL ENDEAVOR TO MAIL 10 DAYS WRITTEN
NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE LEFT, BUT FAILURE TO DO 50 SHALL
IMPOSE NO OBLIGATION OR LIABILITY OF ANY KIND UPON THE INSURER, ITS AGENTS OR
REPRESENTATIVES
ACORD 25-S (7197)
C • ■ ' PORATION 1988