2023-01-01 COI GL AL WC PL.pdf

This document is a comprehensive insurance policy package issued by multiple insurance companies, including Allmerica Financial Benefit Insurance Company, XL Specialty Insurance Company, and Massachusetts Bay Insurance Company, to Kittelson & Associates, Inc. effective 01/01/2022. The policy covers multiple lines of insurance including Commercial General Liability, Business Auto Coverage, Workers' Compensation, Professional Liability, and Environmental and Network Security Liability. The policy provides coverage across multiple states including New York, Virginia, Texas, North Dakota, Ohio, and California, with specific endorsements and state-specific provisions.

The insurance policy provides broad coverage for professional services, including transportation planning, consulting, environmental services, and general business operations. Coverage limits vary by policy type, with a general aggregate limit of $10,000,000 and specific limits for different types of claims such as bodily injury, property damage, professional liability, and workers' compensation. The policy includes provisions for additional insured parties, blanket waivers of subrogation, and coverage for hired and non-owned vehicles. Key services covered include professional consulting, engineering, architectural services, environmental assessments, network security, and various business operations. The policy is structured with multiple endorsements that provide flexibility and comprehensive protection across different types of potential business risks and jurisdictions.