General Liability	Commercial Auto	Workers Compensation
BI or PD Expected or Intended	Extended Cancellation (60 days)	Executive Officer Expenses
Non-Owned Aircraft added when chartered w/paid crew	Broad Form Insured –180 days for newly acquired or formed orgs.	E.L. increased Limits 275/275/500
Non-Owned Watercraft for watercraft up to 51 feet.	Supplementary Payments cost of bail bonds to $2,500	Other States extended reporting notice within 90 days.
P.D. to Borrowed Property – included while not in use on job site or premises.	Amended Fellow Employee Exclusion –exclusion does not apply resulting	Transfer of Rights and Duties
P.D. Liability – Elevators – for PD to others’ property	Hired Auto Physical Damage – up to a $40,000 limit.	Notice of Cancellation
Fire Lightning & Explosion 300,000	Physical Damage Additional Transportation Expense	Liberalization
Medical Payments $10,000 (as opposed to 5,000)	Amended Duties accident, claim, suit or loss.	Unintentional Failure to Disclose
Supplementary Payments *cost of bail bonds to $1,000 *loss of earnings to actual loss sustained.	Unintentional Failure to Disclose	Voluntary Compensation & E.L.
Who Is an Insured – Additional Insured by contract.	Hired Auto Coverage Territory	E.L. Stop Gap
Who Is an Insured – Additional Insured Broad Form Vendors Coverage	Resultant Mental Anguish	Foreign Cover. Reimbursement (Included in statute in Pa.)
Broad Form Named Insured Knowledge of Occurrence	Lease Gap Coverage	U.S.L. & H. Coverage
Notice of Occurrence	Glass Repair Deductible Waiver	Loss of Earnings Actual Loss Sustained – incurred at our request.
Unintentional Failure to Disclose.	Airbag Coverage
Duties in event of claim, occurrence, offense or suit	Sound Receiving and Reproducing Equipment – Broadened Cover
Other Insurance Primary Additional Ins.	Extra Expense of returning stolen covered auto.
Impaired Property	Two or More Deductibles
Insured Contract definition expanded
Mobile Equipment –redefined allowing cover to self propelled up to 1,000 pounds.
Personal Injury –discrimination or humiliation (not employment related)
Newly Formed or Acquired organizations 180 Days.
Additional Insured Volunteers
BI redefined to include Mental Anguish
Incidental Malpractice Liability added

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		Old Republic Insurance Company 133 Oakland Avenue • P.O. Box 789 • Greensburg PA 15601 Phone: (800) 766-5673 • (724) 834-5000 • Fax (724) 834-4025 Old Republic Insurance Company Claims Services PO Box 2200 • Greensburg PA 15601 Fax (724) 836-4909