~ ~'~zC 1
		t'oucy Type: Renewal of t'nor Youcy
	Producer: JWF Specialty Company, Inc.	Renewelof: 195791617
1	Law Enforcement Liability	CNa CNA Insurance Companies
CNA Plaza
	Covera a Form
g	
		For All the Commitments You Make© Chicago, IL 60685
	Declarations	
1.	Producer Number	Branch	PreSX	Policy Number	INSURANCE PROVIDED BY THE COMPANY DESIGNATED BELOW
	012859	880	
LEO	
195793898	
lA Stock Insurance company herein called the company)
	Named Insured & Address	
Continental Casualty Company
	(Number & Street, City, State, & Zip Code)	
	Kerr County Sheriffs Department	
	5
400 Clearwater Paseo app] `~ fl ?(?,f,1	
Retail Producer:
	Kerrville, TX 78028	
		First Insurance Agency of the Hill Country, Inc.
	Legal Entity: Governmental Subdivision	428 Washington Street
	SIC Code 9(113	
PO Box 291549
		Kerrville, TX 780291549
	PR/PT 54/38	
2'	Policy Period: From: 01/01/2001 To: 01/01/2002	
	This policy becomes effective and expires a[ 12:01 a.m. Standard Time at Your	
	Mailing Address Shown Above	
•	Subject to Audit: No
5•	Limits of Insurance
	/ ~
r2oO/
	IANNBfIj'PJt .I~RRRC
~
Aggregate Limit: $2,000,000
)
/
/
	~a
,
~
{
Each Wrongful Act Limit: $1.000.000 >~''
Deductible:
$ 10,000
/ r
6• Business Description: Law Enforcement
Forms and endorsements applicable at time of issuance:
G-129286-A(11/97), G-129291-A(11/97), G-129292-A(11/97),
G-129306-A(17/97), G-129311-A(O6/96), G-129317-A(t0/98),
G-129293-A(t 1/97), G-129296-A(11/97), G-129300-A(11l97),
IL0017(11/85), IL0275(O6/95),
a• Deposit Premium $45,184
Minimum earned premium $1,000
Countersigned
G-129302-A
(ED. i1i97)
Issued: OI/03/2001
~~~ vrlllV~
Chaimanofif~eBoard
Date
~'~'
Secretary
cwa
Fbr All the,Commicmentrl7nu Mn4e°
Law Enforcement Liability Policy
Various provisions in this policy restrict coverage. Read
the entire policy carefully to determine rights, duties and
what is and is not covered.
Throughout this policy the words "you" and "your' refer to
the law enforcement agency shown as the Named Insured
in the Declarations. The words "we", "us" and "our' refer
to the Company providing this insurance.
The word "insured" means any person or organization
qualifying as such under WHO IS AN INSURED
(SECTION II).
Other words and phrases that appear in quotation marks
have special meaning. Refer to SECTION V -
DEFINITIONS
SECTION I -COVERAGE
1. Insuring Agreement.
a. We will pay those sums that the insured becomes
legally obligated to pay as compensatory civil
damages because of "injury'. This insurance
applies only to such "injury' that results from a
"wrongful act" to which this insurance applies. We
will have the right and duty to defend any "suit"
seeking those damages. We may, at our
discretion, investigate any incident or "wrongful
act" and settle, subject to condition 14., any claim
or "suit". But:
(1) The amount we will pay for damages is limited
as described in LIMITS OF INSURANCE AND
DEDUCTIBLE (Section III);
(2) Our right and duty to defend end when we
have used up the applicable Limit of Insurance
in the payment of judgments or settlements.
No other obligation or liability to pay sums or
pertorm acts or services is covered unless
explicitly provided for under SUPPLEMENTARY
PAYMENTS.
b. This insurance applies to a "wrongful act" only
if:
(1) The "wrongful act" takes place in the
"coverage territory"; and
(2) The "wrongful act" occurs during the
policy period.
2. Exclusions.
This insurance does not apply to
a. Any obligations that insureds or their insurance
companies have under workers compensation,
unemployment compensation, disability benefits or
similar laws.
b. Damages sustained by any of your law
enforcement officers or employees (including
those that are auxiliary or volunteer), if such
damages are directly or indirectly related to their
employment by you.
c. Damages arising out of the ownership,
maintenance, management, operation, use,
control, loading or unloading of any "auto', or
motor or propelled vehicle of any kind, watercraft
or aircraft:
(1) Owned or operated by, rented or loaned to
any insured; or
(2) Operated by any person on behalf of, or in the
course of employment by, an insured.
d. Liability assumed under any contract or
agreement except mutual law enforcement
assistance agreements between political
subdivisions.
e. Claims arising out of any act, "wrongful act",
service or duty for anyone other than you.
This exclusion does not apply if the act or service
is a result of a mutual law enforcement as-
sistance agreement or contract between political
subdivisions, nor does it apply to any activities
approved by you.
f. Claims arising out of the insured's employment
policies or practices, including, but not limited to
application for employment, refusal to employ,
termination of employment, coercion, demotion,
evaluation, reassignment, discipline, defamation,
harassment (including sexual harassment),
humiliation, discrimination or violation of civil
rights.
G-129286-A (ED. 11/97) PAGE 1 of 8
g. Any claim that results in a final legal determ-
ination that any insured has:
(1) Committed any criminal, dishonest, bad faith
or fraudulent act, error or omission or
intentional malicious act, error or omission; or
(2) Deliberately violated, or had knowledge of or
consented to the violation of, any federal,
state or local statute, ordinance, rule or
regulation.
This exclusion does not apply to any other insured
where there is no legal finding that such other
insured actively joined in:
(a) An act described in g. (1) above;
(b) Or had knowledge of, or consented to, the
violation described in g. (2) above.
h. "Property damage' to property:
(1) Owned, used or occupied by or rented to the
insured; or
(2) In the care, custody or control of the insured,
or over which the insured is, for any purpose,
exercising physical control.
This exclusion h. (2) does not apply to
property on persons at the time of their arrest.
i. Any claim arising out of the:
(1) Furnishing by an insured of services,
materials, parts or equipment in connection
with, or
(2) Planning, construction, maintenance, exis-
tence or use of any nuclear reactor or device,
nuclear waste storage or disposal site or any
other nuclear facility, the transportation of
nuclear material, or the hazardous properties
of nuclear material.
j. Any claim seeking:
(1) Anything other than money damages;
(2) Injunctive, mandamus, declamatory or
equitable relief; or
(3) Wages or other employee compensation,
overtime or similar claims, even if designated
as liquidated damages, under any federal,
state or local statutes, rules, or ordinances or
regulations or claims arising from collective
bargaining agreements, or awards or
settlements.
k. Any claim made against an insured by another
insured.
I. (1) Any claim, "suit", proceeding, damages, loss,
cost or expense:
(a) Arising out of any actual, alleged or
threatened emission, discharge, dispersal,
seepage, migration, release or escape of
"pollutants" at any time; or
(b) Arising out of any request, demand or
order for any "clean up of"'pollutants"; or
(c) Incurred as result of any "clean up of
"pollutants",
(2) The investigation, settlement or defense of
any claim, "suit", proceeding, damages, loss,
cost or expense excluded by (1) above or
alleging or in any way involving the above.
As used in this exclusion:
"Pollutants' include any noise, solid semi-solid,
liquid, gaseous or thermal irritant or contaminant,
including smoke, vapor, soot, fumes, mists, acids,
alkalis, chemicals, biological and etiologic agents
or materials, electromagnetic or ionizing radiation
and energy, genetically engineered materials,
teratogenic, carcinogenic and mutagenic
materials, "waste' and any other irritant or
contaminant.
"Waste' includes any materials to be disposed,
recycled, reconditioned or reclaimed.
"Clean up of includes monitoring, removal, con-
tainment, treatment, detoxification or neutrali-
zation of, testing for or response in any way to, or
assessment of the effects of "pollutants".
m. Liability arising out of the rendering of, or failure to
render, professional services by a member of the
medical profession.
G-129286-A (ED. 11/97) PAGE 2 of 8
n. The liability of an insured for fnes, penalties, costs
5r expenses imposed by law or arising from any
complaint or enforcement action of any federal,
state or local governmental regulatory agency, or
damages which may be deemed uninsurable by
law or under law.
o. Any claim for damages arising out of, or alleged to
have arisen out of, the transmission of, or
exposure to, a communicable disease.
(1) As respects this exclusion, AIDS (Acquired
Immune Deficiency Syndrome) will be
considered a communicable disease.
(2) This exclusion includes such damages
claimed because of negligent training,
supervision, recruitment, policies or
procedures.
Supplementary Payments
We will pay, with respect to any claim or "suit" we defend:
1. All expenses we incur, subject to the deductible
amount. Refer to LIMITS OF INSURANCE AND
DEDUCTIBLE (Section III).
2. Up to $250 for the cost of bail bonds required because
of"injury" to which this insurance applies.
3. The cost of bonds to release attachments in a "suit"
we defend, but only for bond amounts within the
applicable Limit of Insurance. We do not have to
furnish these bonds.
4. All reasonable expenses incurred by the insured at our
request to assist us in the investigation or defense of
the claim or "suit", including actual loss of earnings up
to $100 a day because of time off from work.
5. All costs taxed against the insured in a "suit' we
defend.
6. Pre-judgment interest awarded against the insured on
that part of the judgment we pay. If we make an offer
to pay the applicable Limit of Insurance, we will not
pay any pre-judgment interest based on that period of
time after the offer.
8. Premium on appeal bonds in any "suit" we defend.
9. Reasonable expenses incurred for "first aid" to others
at the time and place of an accident, for "bodily injury"
to which this insurance applies.
These payments will not reduce the Limits of Insurance.
SECTION II-WHO IS AN INSURED
1. You are an insured.
2. Each of the following is also an insured, but only while
acting within the scope of their duties for you:
a. Your law enforcement officers and, in the event of
their death, incapacity or bankruptcy, their heirs,
executors, administrators, assigns and legal
representatives;
b. The political entity or subdivision of which the law
enforcement agency is a part, department or
bureau and its public officials, provided such
political entity or subdivision is legally constituted
at the inception date of this policy; and
c. All other employees and authorized volunteers of
the law enforcement agency.
No person or organization is an insured with respect to the
conduct of any current or past partnership or joint venture
that is not shown as a Named Insured in the Declarations.
SECTION III-LIMITS OF INSURANCE AND
DEDUCTIBLE
1. The Limits of Insurance shown in the Declaration and
the rules below fix the most we will pay regardless of
the number of:
a. Insureds;
b. Claims made or "suits" brought; or
c. Persons or organizations making claims or
bringing "suits'.
2. The Aggregate Limit is the most we will pay for all
damages to which this insurance applies.
7. All interest on the full amount of any judgment that 3. Subject to 2. above, the Each Wrongful Act Limit is the
accrues after entry of the judgment and before we most we will pay for the sum of all damages arising out
have paid, offered to pay, or deposited in court the of the same "wrongful act" to which this insurance
part of the judgment that is within the applicable Limit applies.
of Insurance.
G-129286-A (ED 11/97) PAGE 3 of 8
4. a. Subject to 3. above, the Each Wrongful Act Limit
'applies in excess of the Deductible shown in the
Declarations. By accepting this insurance the
insured agrees that such Deductible will be
uninsured and borne by the insured.
b. The terms of this insurance, including those with
respect to your duties in the event of an incident,
"wrongful act", claim or "suit", apply irrespective of
the application of the deductible amount.
c. We may, at our discretion, pay all or part of any
deductible shown in the Declarations. Upon notice
of such payment you shall promptly reimburse us
for the amount we paid.
d. Claims based on or arising out of:
(1) The same "wrongful act" or the related
"wrongful acts" of one or more insureds; or
(2) Riot, insurrection or civil disturbance which
results in an official proclamation of a state of
emergency, temporary curfew or martial law
will be considered a single claim, to which only
one Each Wrongful Act Limit, and Deductible,
will apply.
The Deductible, as referred to in this policy, will apply
to the sum of damages and "defense expenses".
The limits of this policy apply separately to each
consecutive annual period and to any remaining period of
less than 12 months, starting with the beginning of the
policy period shown in the Declarations, unless the policy
period is extended after issuance for an additional period
of less than 12 months. In that case, the additional period
will be deemed part of the last preceding period for
purposes of determining the Limits of Insurance.
SECTION IV- CONDITIONS
7. Bankruptcy.
Bankruptcy or insolvency of the insured will not relieve
us of our obligations under this policy.
2. Cancellation
a. The first Named Insured shown in the Dec-
larations may cancel this policy by mailing or
delivering to us advance written notice of
cancellation.
b. We may cancel this policy by mailing or delivering
to the first Named Insured written notice of
cancellation at least:
(1) 10 days before the effective date of cancellation
if we cancel for nonpayment of premium; or
(2) 60 days before the effective date of
cancellation if we cancel for any other reason.
c. We will mail or deliver our notice to the first
Named Insured's last mailing address known to
us.
d. Notice of cancellation will state the effective date
of cancellation. The policy period will end on that
date.
e. If this policy is canceled, 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. In all cases, refunded premium will
be less any earned minimum premium. The
cancellation will be effective even if we have not
made or offered a refund.
f. If notice is mailed. proof of mailing will be sufficient
proof of notice.
3. Changes
This policy contains all the agreements between you
and us concerning the insurance afforded. The first
Named Insured shown in the Declarations is
authorized to make changes in the terms of this policy
with our consent. This policy's terms can be amended
or waived only by endorsement issued by us and
made a part of this policy.
4. Duties in the Event of Incident, Wrongful Act,
Claim or Suit.
a. You must see to it that we are given written notice
as soon as practicable of an incident or "wrongful
act" which may result in a claim. To the extent
possible, notice should include:
(1) All available information about the
circumstances concerning the incident or
"wrongful act" including:
(a) How, when and where it took place; and
(b) The names and addresses of any
witnesses and persons seeking damages;
and
(2) What claim you think may result.
G-129286-A (ED. 11/97) PAGE 4 of 8
However, even when you notify us of an incident
or "wrongful act", this does not relieve you of your
obligation to also notify us of any resulting claim or
"suit".
b. When you first learn of a claim made or "suit"
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 a "suit":
(2) Authorize us to obtain records and other
information;
(3) Cooperate with us in the investigation,
settlement or defense of the claim or "suit";
(4) Assist us, upon our request, in the
enforcement of any right against any person
or organization who may be liable to the
insured because of damages to which this
insurance may also apply; and
(5) In no way jeopardize our rights after an
incident or "wrongful act".
d. No insureds will, except at their own cost,
voluntarily make a payment, assume any
obligation or incur any expense, other than for
"first aid", without our written consent.
5. Examination Of Your Books And Records
We may examine audit and copy your books and
records as they relate to this policy at any time during
the policy period and up to three years afterward.
6. Governmentallmmunity.
7. Inspections And Surveys
We have the right but are not obligated to:
a. Make inspections and surveys at any time;
b. Give you reports on the conditions we find; and
c. Recommend changes.
Any inspections, surveys, reports or recommendations
relate only to insurability and the premiums to be
charged. We do not make safety inspections. We do
not undertake to perform the duty of any person or
organization to provide for the health or safety of
workers or the public. And we do not warrant that
conditions:
a. Are safe or healthful; or
b. Comply with laws, regulations, codes or
standards.
This condition applies not only to us, but also to any
rating, advisory, rate service or similar organization
which makes insurance inspections, surveys, reports
or recommendations.
8. Legal Action Against Us.
No legal action may be brought against us unless, as
a condition precedent thereto, the insured has fully
complied with all the terms of this policy. In addition,
no person or organization has a right under this policy:
a. To join us as a party or otherwise bring us into a
"suit" asking for damages from an insured; or
b. To sue us on this policy unless 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 obtained after an actual trial; but we will not be
liable for damages that are not payable under the
terms of this policy or that are in excess of the
applicable Limit of Insurance. An agreed settlement
means a settlement and release of liability signed by
us, the insured and the claimant or the claimant's legal
representative.
Because you are a public institution, you may be 9. Other Insurance.
entitled to governmental immunity This policy does
not constitute a waiver of any governmental immunity a. Except for such other insurance that is pur-chased
to which you are entitled. specifically to be excess of the Limits of Insurance
provided by this policy, the insurance
G-129286-A (ED. 11/97) PAGE 5 of 8
provided by this policy form is excess over any
other collectible insurance and its deductible or
self-insured retention provisions. The presence of c.
a deductible or self-insured retention in such other
insurance will not amend the deductible provision
of this policy.
b. When this insurance is excess, we will have no
duty to defend any claim or "suit" that any other
insurer has a duty to defend. If no other insurer
defends, we will undertake to do so, but we will be
entitled to the insured's rights against all those
other insurers.
c. When this insurance is excess over other
insurance, we will pay only our share of the
damages, if any, that exceeds the sum of:
(1) The total amount that all such other insurance
would pay for the damages in the absence of
this insurance; and
(2) The total of all deductible and self-insured
amounts under all that other insurance.
d. When both this insurance and other insurance
apply to the loss on the same excess basis, we
will. share with such other insurance by the method
described below:
(1) tf 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, which comes first.
(2) 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 Limit of Insurance of all insurers.
10. Premium Audit.
If the Declarations states that the policy is subject to
audit:
a. The premium shown in the Declarations is a
deposit premium only. At the close of each audit
period we will compute the earned premium for
that period.
b. Audit premiums are due and payable on notice to
the first Named Insured. If the sum of the
advance and audit premiums paid for the policy
term is greater than the earned premium, we will
return the excess to the first Named Insured.
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.
11. Premiums
The first Named Insured shown in the Declarations;
a. Is responsible for the payment of all premiums;
and
b. Will be the payee for any return premiums we pay.
12. Representations.
By accepting this policy, the Named Insured agrees
that:
a. The statements in the Declarations and in the
application for insurance are accurate and
complete;
b. Those statements are based upon represen-
tations which the insureds made to you, and which
you made to us; and
c. We have issued this policy in reliance upon those
representations.
13. Separation Of Insureds.
Except with respect to the Limits of Insurance, and any
rights or duties specifically assigned 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.
14. Settlement.
If the first Named Insured, on behalf of all insureds,
refuses to consent, within a reasonable period of time,
to any settlement offer we recommend and elects to
contest the claim or continue any legal proceedings in
connection with such claim then, subject to the
provisions of Section III -Limits of Insurance, our
liability for the claim will not exceed the amount for
which the claim could have been settled, plus the cost
of defense incurred by us up to the date of such
refusal.
G-129286,A (ED. 11/97) PAGE 6 of 8
15. Transfer Of Rights Of Recovery Against
Others To Us.
If the insured has rights to recover all or part of any
payment we have made under this policy, those rights
are transferred to us. The insured must do nothing 4•
after loss to impair them. At our request, the insured
will bring "suit" or transfer those rights to us and help
us enforce them.
16. Your Authority And Duties.
The first Named Insured shown in the Declarations
agrees to act on behalf of all insureds with respect to
cancellation, notice of any incident, "wrongful act",
claim or "suit", payment or return of any premium, or
consent to a claim settlement that we recommend.
Each insured, by accepting this insurance, agrees to:
a. Have the first Named Insured act for them in such
matters; and
b. Promptly notify the first Named Insured, in writing,
of any incident or "wrongful acY' which may result
in a claim, or of any claim or "suit" brought against
them.
SECTION V-DEFINITIONS
1. "Auto" means a land motor vehicle, trailer or semi-
trailerdesigned for travel on public roads.
2. "Bodily injury' means:
a. Any physical harm to a person's health, including
sickness or disease; and
b. Any metal harm to, or the death of, the same
person described in 2.a. above, as a direct result
of such physical harm.
3. "Coverage territory" means:
a. The United States of America (including its
territories and possessions), Puerto Rico and
Canada; and
b. All other parts of the world if:
(1) The "wrongful act" is committed by an insured
whose home is in the territory described in (a.)
above, but is away for a short time on your
business; and
(2) 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 to which we agree.
"Defense expenses' mean expenditures including, but
not limited to, our costs of investigations, experts,
adjustment services, legal services, court costs, and
other similar expenses.
5. "First aid" means the rendering of emergency medical
treatment by any of your law enforcement officers, but
only when care by a licensed medical professional is
not immediately available.
6. "Injury' means "bodily injury", "property damage" or
"personal injury";
a. The insured did not expect or intend. "Injury"
resulting from the use of reasonable force to
protect persons or property will not be considered
expected or intended; and
b. Arising out of the insured's duties to provide law
enforcement and/or other activities approved by
you.
7. "Personal injury' means injury, other than "bodily
injury", arising out of one or more of the following:
a. False arrest; wrongful detention or wrongful
imprisonment;
b. Malicious prosecution;
c. Assault and battery from the use of reasonable
force to protect persons or property;
d. Discrimination, unless uninsurable by law;
e. Humiliation;
f. False or improper service of process;
g. Violation of property rights;
h. Violation of civil rights, unless uninsurable by law;
i. Wrongful eviction or wrongful entry, or other
violations of the right of private occupancy; and
j. The oral or written publication of material that:
(1) Defames, slanders or libels a person or org-
anization or disparages a person's or org-
anization's goods, products or services; or
G-129286-A (ED. 11/97) PAGE 7 of 8
(2) Violates a person's right of privacy.
However, "personal injury" does not include the
oral or written publication of material in the course
of, or related to, advertising, broadcasting,
telecasting or videotaping activities conducted by
or on behalf of any insured.
8. "Property damage" means:
a. Physical injury to tangible property, including all
resulting loss of use of that property; or
b. Loss of use of tangible property that is not
physically injured.
9. "Suit" means a civil proceeding in which damages to
which this insurance applies are alleged. "Suit"
includes:
a. An arbitration proceeding in which such damages
are claimed and to which you must submit or do
submit with our consent; or
b. Any other alternative dispute resolution
proceeding in which such damages are claimed
and to which you submit with our consent.
10. "Wrongful act" means any actual or alleged error or
misstatement or act or omission or neglect or breach
of duty, including misfeasance and nonfeasance, by
the insured in the discharge of duties for you.
"Wrongful acY' includes allegations of malfeasance,
but only if they are ultimately proven to be groundless.
This insurance does not apply to malfeasance if there
is a final legal determination that such has taken
place.
G-129286-A (ED. 11/97) PAGE 8 of 8
CHA
For Allthe Eommitme¢mY¢u Make'
THIS ENDORSEMENT CHANGES THE POLICY.
PLEASE READ IT CAREFULLY.
PRIOR CLAIMS AND POTENTIAL CLAIMS EXCLUSION
This policy does not apply to any claim or loss arising out of any matter that was listed, or should have been listed, in the
application(s) on which we relied for the issuance of this policy.
This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below.
Named Insured
Policy Number
Endorsement Effective
G-129296-A
(ED. 11/97)
Countersigned By
(Authorized Representative)
Endorsement Number:
civa
F~ All the CommitmenfeYau Ma4e'
THIS ENDORSEMENT CHANGES THE POLICY.
PLEASE READ IT CAREFULLY.
INCIDENTAL PROFESSIONAL LIABILITY ENDORSEMENT
The following is added to the definition of "bodily injury' (DEFINITIONS -Section V):
c. Subject to 2.a. and b. above, coverage is provided for "bodily injury' arising out of the rendering of, or failure to
render, "health care services' by your medical employees, other than medical doctors or dentists, while acting
within the scope of their duties for you.
The following paragraph is added to 2. Exclusions, m. (COVERAGE -SECTION I):
However, this exclusion m. does not apply to the rendering of, or failure to render, "health care services" by your
medical employees, other than medical doctors or dentists, while acting within the scope of their duties for you.
As used in this endorsement "health care services' means:
a. Medical or nursing services or treatment, or the furnishing of food or beverages in connection therewith; or
b. The furnishing or dispensing of drugs, medical supplies or appliances.
This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below.
Named Insured
Endorsement Effective
G129292-A
(ED. 11/97)
Policy Number
Countersigned By
(Authorized Representative)
Endorsement Number:
CNA
F~~~e~o~:~en~~.~•
THIS ENDORSEMENT CHANGES THE POLICY.
PLEASE READ IT CAREFULLY.
CONFORMITY TO STATUTE
This endorsement modifies insurance provided under the following:
PUBLIC OFFICIALS LIABILITY POLICY
It is agreed:
LAW ENFORCEMENT LIABILITY POLICY
1. Terms and Conditions of the Policy which are in conflict with the statutes of the state shown in the Named Insured's
Address in the Declarations are amended to conform to such statutes.
2. SECTION IV -CONDITIONS, paragraph 2. Cancellation, is amended to conform with the provisions of the ISO
Cancellation and Nonrenewal form attached to the Policy.
This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below.
Named Insured
Endorsement Effective
G-129306-A
(ED. 11/97)
Policy Number
Countersigned By
(Authorized Representative)
Endorsement Number:
CNA
For All the Commitments You Make'"
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
TEXAS CHANGES -CANCELLATION AND NONRENEWAL
PROVISIONS FOR CASUALTY LINES AND
COMMERCIAL PACKAGE POLICIES
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
FARM COVERAGE PART -FARM LIABILITY COVERAGE FORM
LIQUOR LIABILITY COVERAGE PART
POLLUTION LIABILITY COVERAGE PART
PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
This endorsement also modifies insurance provided under the following when written as part of a Commercial
Package Policy:
BOILER AND MACHINERY COVERAGE PART
COMMERCIAL CRIME COVERAGE PART
COMMERCIAL GENERAL LIABILITY COVERAGE PART
COMMERCIAL INLAND MARINE COVERAGE PART
COMMERCIAL PROPERTY COVERAGE PART
FARM COVERAGE PART -FARM LIABILITY COVERAGE FORM
FARM COVERAGE PART -LIVESTOCK COVERAGE FORM
FARM COVERAGE PART -MOBILE AGRICULTURAL MACHINERY AND EQUIPMENT COVERAGE FORM
GLASS COVERAGE FORM
LIQUOR LIABILITY COVERAGE PART
POLLUTION LIABILITY COVERAGE PART
PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
A. Paragraph 2. of the CANCELLATION Common Policy Condition is replaced by the following:
2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation,
stating the reason for cancellation, at least 10 days before the effective date of cancellation.
However if this policy covers a condominium association, and the condominium property contains at least one
residence or the condominium declarations conform with the Texas Uniform Condominium Act, then the
notice of cancellation, as described above, will be provided to the First Named Insured 30 days before the
effective date of cancellation. We will also provide 30 days' written notice to each unit-owner to whom we
issued a certificate or memorandum of insurance, by mailing or delivering the notice to each last mailing
address known to us.
The permissible reasons for cancellation are as follows:
a. If this policy has been in effect for 60 days or less, we may cancel for any reason except, that under the
provisions of the Texas Insurance Code, we may not cancel this policy solely because the policyholder
is an elected official.
b. If this policy has been in effect for more than 60 days, or if it is a renewal or continuation of a policy
issued by us, we may cancel only for one or more of the following reasons:
(1) Fraud in obtaining coverage;
(2) Failure to pay premiums when due;
IL 02 75 (6/95) 1 of 2
ENA
For All the Commitmeute You Make"
(3) An increase in hazard within the control of the insured which would produce an increase in rate;
(4) Loss of our reinsurance covering all or part of the risk covered by the policy; or
(5) If we have been placed in supervision, conservatorship or receivership and the cancellation is
approved or directed by the supervisor, conservator or receiver.
B. The following condition is added and supersedes any provision to the contrary:
NONRENEWAL
1. We may elect not to renew this policy except, that under the provisions of the Texas Insurance Code, we
may not refuse to renew this policy solely because the policyholder is an elected official.
2. This Paragraph, 2., applies unless the policy qualifies under Paragraph 3. below.
If we elect not to renew this policy, we may do so by mailing or delivering to the first Named Insured, at the
last mailing address known to us, written notice of nonrenewal, stating the reason for nonrenewal, at least 60
days before the expiration date. If notice is mailed or delivered less than 60 days before the expiration date,
this policy will remain in effect until the 61st day after the date on which the notice is mailed or delivered.
Earned premium for any period of coverage that extends beyond the expiration date will be computed pro rata
based on the previous year's premium.
3. If this policy covers a condominium association, and the condominium property contains at least one
residence or the condominium declarations conform with the Texas Uniform Condominium Act, then we
will mail or deliver written notice of nonrenewal, at least 30 days before the expiration or anniversary date
of the policy, to:
a. The first Named Insured; and
b. Each unit-owner to whom we issued a certificate or memorandum of insurance.
We will mail or deliver such notice to each last mailing address known to us.
4. If notice is mailed, proof of mailing will be sufficient proof of notice.
5. The transfer of a policyholder between admitted companies within the same insurance group is not
considered a refusal to renew.
IL 02 75 (6/95) 2 of 2
c~ra
For All the Commitments You Make°
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
WYOMING CHANGES -CANCELLATION
AND NONRENEWAL
This endorsement modifies insurance provided under the following:
BOILER AND MACHINERY COVERAGE PART
COMMERCIAL AUTOMOBILE COVERAGE PART
COMMERCIAL CRIME COVERAGE PART'
COMMERCIAL GENERAL LIABILITY COVERAGE PART
COMMERCIAL INLAND MARINE COVERAGE PART
COMMERCIAL PROPERTY COVERAGE PART
FARM COVERAGE PART
LIQUOR LIABILITY COVERAGE PART
POLLUTION LIABILITY COVERAGE PART
PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
* This endorsement does not apply to coverage provided for employee dishonesty (Coverage Form A), forgery or
alteration (Coverage Form B), or public employee dishonesty (Coverage Forms O and P).
A.
1. Paragraph 2. of the CANCELLATION Common Policy Conditions is replaced by the following:
2. a. If this policy has been in effect for less than 60 days, we may cancel this policy by mailing or delivering to the
first Named Insured written notice of cancellation at least:
(1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium;
(2) 30 days before the effective date of cancellation if we cancel for any other reason.
b. If this policy has been in effect for 60 days or more, or if this policy is a renewal of a policy we issued, we may
cancel this policy only for one or more of the following reasons:
(1) Nonpayment of premium.
(2) Material misrepresentation of fact which, if known to us, would have caused us not to issue the policy.
(3) Substantial change in the risk assumed, except to the extent that we should reasonably have foreseen the
change or contemplated the risk in writing the policy.
(4) Substantial breaches of contractual duties, conditions or warranties.
If we cancel, we will mail or deliver to the first Named Insured and the agent, if any, written notice of cancellation,
stating the reason for cancellation, at least:
(a) 10 days before the effective date of cancellation if cancellation is for the reason stated in b.(1) above; or
(b) 46 days before the effective date of cancellation if cancellation is for the reasons stated in b.(3) or (4)
above.
2. The following is added to the CANCELLATION Common Policy Condition:
IL 02 52 (6189) 2 of 2
civa
ForAllthe Commitments You blake®
7. If we cancel this policy in accordance with paragraph A.1. of this endorsement, any unearned premium will be
refunded to the first Named Insured prior to the effective date of cancellation.
B. The following is added as an additional Condition and supersedes any other provision to the contrary:
NONRENEWAL
1. If we decide not to renew this policy, we will mail or deliver written notice of nonrenewal to the first Named
Insured and the agent, if any, at least 45 days before:
a. The expiration date; or
b. The anniversary date if this is a continuous policy.
2. Notice of nonrenewal will state the reason for nonrenewal.
3. Any notice of nonrenewal will be mailed or delivered to the first Named Insured's and agent's last mailing
address known to us. If notice is mailed, proof of mailing will be sufficient proof of notice.
IL 02 52 (6/89) 2 of 2
CNA
ForAHShe Commitmeab You Make°
Copyright, Insurance Services Office, Inc., 1986, 1989
Copyright, ISO Commercial Risk Services, Inc., 1986, 1989
IL 02 52 (6/89) 2 of 2
COMMON POLICY CONDITIONS
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
We have the right but are not obligated to:
1. Make inspections and surveys at any time;
2. Give you reports on the conditions we find; and
3. Recommend changes.
Any inspections, surveys, reports or recommendations relate only to insurability and the premiums to be charged. We do
not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the
health or safety of workers or the public. And we do not warrant that conditions:
1. Are safe or healthful; or
2. Comply with laws, regulations, codes or standards.
This condition applies not only to us, but also to any rating, advisory, rate service or similar organization which makes
insurance inspections, surveys, reports or recommendations.
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.
IL 00 17 (11/85) Page 1 of 2
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 (11/85) Page 2 of 2
CNA
fbr Allure Cammitmeu4Yn+MaLe'
G-129311-A
(Ed. 06198)
THIS ENDORSEMENT MODIFIES THE POLICY. PLEASE READ IT CAREFULLY.
EXCLUSION -YEAR 2000 AND OTHER
DATE RELATED PROBLEMS
[PUBLIC OFFICIALS LIABILITY POLICY]
[LAW ENFORCEMENT LIABILITY POLICY]
This insurance does not apply to loss, cost, expense, defense costs, including any duty to defend, or damages directly
or indirectly based on, arising out of or related to:
a. Any actual or alleged failure, malfunction, error, inadequacy of or production of any incorrect or unintended
data, information or command, by any of the following, whether belonging to any insured or to others:
(1) Computer hardware;
(2) Computer software;
(3) Computer firmware;
(4) Computer operating systems;
(5) Computer networks;
(8) Microprocessors (computer chips), whether or not part of any computer system;
(7) Any other computerized or electronic equipment or components; or
(8) Any other products, equipment, services, data or functions that directly or indirectly incorporate, use or
rely on, in any manner, any of the items listed in paragraphs a.(1) through
a.(7)above
due to the inability to, or manner in which, any of the items listed in paragraphs a.(1) through a.(8) above accept,
compare, distinguish, interpret, pertorm calculations using, process, or recognize the year 2000 or any other
date.
b. Any advice, consultation, design, evaluation, inspection, installation, maintenance, modification, repair,
replacement or supervision provided or done by you or for you, whether successful or not, to identify,
rectify or test for any potential or actual problems described in paragraph a. of this endorsement.
G-129311-A
(Ed. O6I98)
Page 1 of 1
CNA
For All the Commitments You Make®
ADDITIONAL DECLARATIONS
For attachment to policy no. 195793898
The Additional Declarations below are an extension of those stated in the Declarations of the Policy to which this
Schedule is attached
SCHEDULE ~
i
		Premium Basis As		
Description of Hazards	Class Code	Described in the	Rate ~	Advance Premium
		Schedule		
Governmental Subdivision	44110	86 (e)		$a5, t 84
not State or Federal				'
i
G-129300-A
(ED. 11/97)
C/VA
Far All the Commitments You Make®
THIS ENDORSEMENT CHANGES THE POLICY.
PLEASE READ IT CAREFULLY.
ADDITIONAL EXCLUSIONS
If shown by an "X" below as excluded, this insurance does not apply to any claim arising out of the "operations" or
"activities" of:
Excluded
1. Airports, aircraft and other aviation related activities;
2. Fire fighting services;
3. Ambulance, emergency medical or rescue services;
q, Detention, correction or prison facilities;
5
As used in this endorsment:
a. "Operations" or "activities" include those of any unit, board, commission or similar body, and their officials, members,
employees, volunteers, and any persons providing services under any mutual aid or similar agreement; and
b. "Hospitals" includes all hospitals, clinics, nursing homes, rehabilitation facilities, psychiatric facilities and any other
similar health care facilities.
This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below.
Named Insured Kerr County Sheriffs Department
Endorsement Effective 01/01/2001
Policy Number 195793898
Countersigned By
(Auf~ rizefiReperesenTafivl=.) "
G-129291-A
(ED. 11/97)
CNA
Far'AII the Commitments Yau Naked
THIS ENDORSEMENT CHANGES THE POLICY.
PLEASE READ IT CAREFULLY.
PRIOR ACTS COVERAGE ENDORSEMENT
A.
B.
[n consideration of the premium shown in the Prior Acts Reporting Period Schedule below, It is agreed that the Law
Enforcement Liability Policy is amended to provide coverage for "injury" resulting from "wrongful acts" that occur during a
prior acts period stated in the schedule below, provided that:
1. a claim for damages is first made against the you during the policy period;
2. you had no knowledge of any "wrongful act" that would likely result in a claim for damages under this policy;
3. there is no prior policy or other current policy which provides coverage for any "injury" resulting from "wrongful acts"
to which this endorsement might apply;
4. there is no prior policy or other current policy which would have provided coverage for any "injury" to which this
endorsement might apply but for the exhaustion of the prior policy's or other current policy's limas; and the Law
Enforcement Liability Policy otherwise applies.
Any "wrongful act" to which this endorsement applies shall be deemed to have taken place on the first day of the policy
period, stated in the Declarations of the Law Enforcement Liability Coverage Form, in which a claim is first made
against you.
C, The Prior Acts Reporting Period Schedule states the period to which Prior Acts Reporting Coverage applies and,
subject to the provisions of SECTION III -LIMITS OF INSURANCE AND DEDUCTIBLE of the Law Enforcement
Liability Policy, the limit of liability and deductible applicable to claims first made against you during the Prior Acts
Reporting Period. The limit of insurance stated in the Prior Acts Reporting Period Schedule is within the Limits of
Insurance stated in the Law Enforcement Liability Coverage Policy Declarations and not in addition to them.
PRIOR ACTS REPORTING PERIOD SCHEDULE
Prior Acts Period:
Prior to:
Limit of Insurance: 1,000,000/2,000,000
Prior Acts Coverage Endorsement Premium:
$0.00
This endorsement changes [he policy effective on the inception date of the policy unless another date is indicated below.
Named Insured Kerr County Sheriffs Department
Endorsement Effective OI/OI/2001
But on or after:
Deductible: $IQ000
Policy Number 195793898
Countersigned By
(A iifhorized-Reperesenfat i v el
G-129293-A
CNA
~a. nursec~:~omw~, xwe~
IMPORTANT INFORMATION G-129317-A
(Ed.10198)
FROM THE MEMBER COMPANIES OF CNA INSURANCE (CNA)
A Year 2000 And Other Date-Related Computer Problems Exclusion Endorsement has been
added to your insurance policy. This Year 2000 and Other Date-Related Computer Problems
Exclusion Endorsement excludes coverage for all loss, cost, expense or damage directly or
indirectly based on, or arising out of or related to adate-related computer problem. It was not
CNA's intent to provide liability coverage for the kinds of damages most likely to be alleged as a
result of date-related computer failure, for example, economic losses or the costs of modifying
computer equipment or data. The Year 2000 And Other Date-Related Computer Problems
Exclusion has been added to your policy to further clarify coverage and help avoid any
misunderstanding at the time of loss.
G-129317-A
(Ed. 10/98)
Page 1 of 1
CNA
Far All the Commitments You Nlake©
THIS ENDORSEMENT CHANGES THE POLICY.
PLEASE READ IT CAREFULLY.
PRIOR ACTS COVERAGE ENDORSEMENT
A.
B.
In consideration of the premium shown in the Prior Acts Reporting Period Schedule below, I[ is agreed that the Law
Enforcement Liability Policy is amended to provide coverage for "injury" resulting from "wrongful acts" that occur during a
prior acts period stated in the schedule below, provided that:
1. a claim for damages is firs[ made against the you during the policy period;
Z• you had no knowledge of any "wrongful act" that would likely result in a claim for damages under this policy;
3. there is no prior policy or other current policy which provides coverage for any "injury" resulting from "wrongful acts"
to which this endorsement might apply;
4. there is no prior policy or other current policy which would have provided coverage for any "injury" to which this
endorsement might apply but for the exhaustion of the prior policy's or other current policy's limits; and the Law
Enforcement Liability Policy otherwise applies.
Any "wrongful ac[" to which [his endorsement applies shall be deemed to have taken place on the first day of the policy
period, stated in the Declarations of the Law Enforcement Liability Coverage Form, in which a claim is first made
against you.
C. The Prior Acts Reporting Period Schedule states the period to which Prior Acts Reporting Coverage applies and,
subject to the provisions of SECTION III -LIMITS OF INSURANCE AND DEDUCTIBLE of the Law Enforcement
Liability Policy, the limit of liability and deductible applicable to claims first made against you during the Prior Acts
Reporting Period. The limit of insurance stated in the Prior Acts Reporting Period Schedule is within the Limits of
Insurance stated in the Law Enforcement Liability Coverage Policy Declarations and not in addition to them.
PRIOR ACTS REPORTING PERIOD SCHEDULE
Prior Acts Period:
Prior to: October 1, 1998 But on or after: November 1,1986
Limit of Insurance: 1,000,000/2,000,000 Deductible: $10,000
Prior Acts Coverage Endorsement Premium: INCLUDED
This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below.
Named Insured Kerr County Sheriffs Department Policy Number
Endorsement Effective OI/OI/2001 Countersigned By
195793898
(Authorized-ReperesiEh~faTive ~
G-129293-A