NOTICE TO APPLICANT - UNDERWRITING CONDITIONS

Investigators

This policy does not insure under the Professional Liability nor the Comprehensive General Liability section for loss caused directly or indirectly by any of the following:

1. Occasioned directly or indirectly by enforcement of any ordinance of law regulating a subterfuge, pretext calls, false pretense, unless permitted by law;
2. Due to any dishonest or fraudulent act by the insured or by partner, officer or by employees;
3. Due to citizen's arrest, false arrest;
4. Security guards, body guards, protective services, auto repossession, bail bond operations, bounty hunters, armed guards in retail stores, bouncer, armored car services, funeral escort services, monitoring of emergency medical alarms, operation involving nuclear power plant, airport security; (some of these could be covered by endorsement)
5. Due to more than three losses in the last three years;
6. A person or agency that is not properly licensed by the State you operate in when required;
7. Loss due to any dishonest or fraudulent act by the insured or by any partner, officer, director or trustee, whether acting alone or with other;
8. Independent contractors (private investigator, security, patrol operator, adjuster, process server, attorney service, public record retrievers & consultants) must have insurance equal to or greater than your insurance. It is the responsibility of the Insured to secure a Certificate of Insurance from each Independent Contractor for General Liability Plus Errors and Omissions insurance equal to or greater than those of your policy. Should you have greater than $1,000,000 / $2,000,000 then the Independent Contractor must have limits no less than $1,000,000 / $2,000,000. Your failure to request the Certificate of Insurance from Independent Contractors could result in a claim being denied should you fail to obtain proof of insurance.
9. Due to pretexting or subterfuge of consumers' financial information from financial institutions, unless permitted by law or the Gramn-Leach Bliley Act. Obtaining or attempts to obtain customer information via false pretenses by: Making a false statement to an officer, employee or agent of a financial institution or making a false statement to a customer of a financial institution unless permitted by law or the Gramn-Leach Bliley Act.
10. Information Brokers or Customer Information Brokers; Collection Agencies; Credit Counselors; Financial or Investment Counselors; Property Appraisers; Recovery Agencies.
11. Background checks for which the insured has not verified information retrieved from Data Information Brokers Computerized Data Information Services. Any claims, including but not limited to loss indemnification of loss adjustment expense, arising from background checks not properly verified will not be covered by this insurance. Further, the carrier will have no duty or obligation to defend the insured as respects any such claims.
12. Any and all operations involving running or capping, defined as: (1) a runner or capper is any person, firm, association or corporation acting for consideration in any manner or in any capacity as an agent for an attorney at law or law firm, whether the attorney or any member of the law firm is admitted in any state or jurisdiction, in the solicitation or procurement of business for the attorney at law or law firm; (2) an agent is one who represents another in dealings with one or more third persons.

NOTICE: Non-Owned/Hired Autos employees must carry minimum of $100,000 Liability Limits on their personal autos. This endorsement is excess over their limits of $100,000. Endorsement for Non-Owned/Hired Autos has a maximum Liability Limits of $1,000,000.