{"component": "clause", "props": {"groups": [{"snippet_links": [{"key": "other-structures", "type": "definition", "offset": [0, 16]}, {"key": "we-cover", "type": "clause", "offset": [20, 28]}, {"key": "residence-premises", "type": "clause", "offset": [54, 72]}, {"key": "clear-space", "type": "clause", "offset": [105, 116]}, {"key": "utility-line", "type": "definition", "offset": [186, 198]}, {"key": "we-do-not-cover", "type": "clause", "offset": [226, 241]}, {"key": "any-person", "type": "definition", "offset": [359, 369]}, {"key": "private-garage", "type": "definition", "offset": [424, 438]}, {"key": "owned-by", "type": "definition", "offset": [632, 640]}, {"key": "provided-that", "type": "definition", "offset": [683, 696]}, {"key": "liquid-fuel", "type": "definition", "offset": [745, 756]}, {"key": "permanently-installed", "type": "definition", "offset": [779, 800]}, {"key": "fuel-tank", "type": "clause", "offset": [801, 810]}, {"key": "liability-for", "type": "clause", "offset": [884, 897]}, {"key": "this-coverage", "type": "definition", "offset": [898, 911]}, {"key": "applies-to", "type": "clause", "offset": [969, 979]}, {"key": "coverage-a", "type": "clause", "offset": [980, 990]}], "size": 45, "snippet": "Other Structures\n1. We cover other structures on the \"residence premises\" set apart from the dwelling by clear space. This includes structures connected to the dwelling by only a fence, utility line, or similar connection.\n2. We do not cover:\na. Land, including land on which the other structures are located;\nb. Other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage;\nc. Other structures from which any \"business\" is conducted; or\nd. Other structures used to store \"business\" property. However, we do cover a structure that contains \"business\" property solely owned by an \"insured\" or a tenant of the dwelling, provided that \"business\" property does not include gaseous or liquid fuel, other than fuel in a permanently installed fuel tank of a vehicle or craft parked or stored in the structure.\n3. The limit of liability for this coverage will not be more than 10% of the limit of liability that applies to Coverage A. Use of this coverage does not reduce the Coverage A limit of liability.", "samples": [{"hash": "adSWyEXyi63", "uri": "/contracts/adSWyEXyi63#coverage-b", "label": "Homeowners Insurance Policy", "score": 27.0383300781, "published": true}, {"hash": "ali1soumc0w", "uri": "/contracts/ali1soumc0w#coverage-b", "label": "Homeowners Insurance Policy", "score": 25.8008213043, "published": true}, {"hash": "kTHeGEgs55h", "uri": "/contracts/kTHeGEgs55h#coverage-b", "label": "Homeowners Insurance Policy", "score": 25.069814682, "published": true}], "hash": "f690a168fb56dcf36c77527b9addf9e9", "id": 1}, {"snippet_links": [{"key": "liability-limits", "type": "definition", "offset": [11, 27]}], "size": 5, "snippet": "Employer\u2019s Liability Limits", "samples": [{"hash": "ciSgzvImTvH", "uri": "/contracts/ciSgzvImTvH#coverage-b", "label": "Revenue and Enforcement Agreement", "score": 30.7695522308, "published": true}, {"hash": "lYnvh4Eflw4", "uri": "/contracts/lYnvh4Eflw4#coverage-b", "label": "Revenue and Enforcement Agreement", "score": 30.7559223175, "published": true}, {"hash": "l0UsdzuBg5z", "uri": "/contracts/l0UsdzuBg5z#coverage-b", "label": "Revenue and Enforcement Agreement", "score": 30.3189888, "published": true}], "hash": "635ed3b8fe7095304f54136c734dab52", "id": 2}, {"snippet_links": [{"key": "bodily-injury-by-accident", "type": "clause", "offset": [21, 46]}, {"key": "each-accident", "type": "definition", "offset": [58, 71]}, {"key": "bodily-injury-by-disease", "type": "definition", "offset": [72, 96]}, {"key": "policy-limit", "type": "definition", "offset": [108, 120]}], "size": 4, "snippet": "Employer\u2019s Liability Bodily Injury by accident $1,000,000 each accident Bodily Injury by disease $1,000,000 policy limit Bodily Injury by disease $1,000,000 each employee", "samples": [{"hash": "1jHRMAIZIvT", "uri": "/contracts/1jHRMAIZIvT#coverage-b", "label": "Professional Services Agreement", "score": 34.2134552002, "published": true}], "hash": "46dc8c76bebad3e9ac8ec8d3cd25ec5e", "id": 3}, {"snippet_links": [{"key": "other-policies", "type": "clause", "offset": [16, 30]}, {"key": "the-company-shall", "type": "clause", "offset": [32, 49]}, {"key": "ultimate-net-loss", "type": "clause", "offset": [101, 118]}, {"key": "arising-out-of", "type": "definition", "offset": [119, 133]}, {"key": "each-loss", "type": "definition", "offset": [134, 143]}, {"key": "the-liability-of-the-reinsurer", "type": "clause", "offset": [318, 348]}, {"key": "occurrence-limit", "type": "definition", "offset": [428, 444]}, {"key": "the-excess", "type": "clause", "offset": [450, 460]}, {"key": "schedule-a", "type": "definition", "offset": [470, 480]}, {"key": "term-limit", "type": "clause", "offset": [593, 603]}, {"key": "loss-occurrences", "type": "definition", "offset": [673, 689]}, {"key": "term-of-this-contract", "type": "clause", "offset": [701, 722]}], "size": 3, "snippet": "As respects all other policies, the Company shall retain and be liable for the first $388,000,000 of ultimate net loss arising out of each loss occurrence. The Reinsurer shall then be liable, as respects each excess layer, for the amount by which such ultimate net loss exceeds the Company's applicable retention, but the liability of the Reinsurer under each excess layer shall not exceed the amount, shown as \"Reinsurer's Per Occurrence Limit\" for the excess layer in Schedule A attached hereto, as respects any one loss occurrence, nor shall it exceed the amount, shown as the \"Reinsurer's Term Limit\" for the excess layer in Schedule A attached hereto, as respects all loss occurrences during the term of this Contract.", "samples": [{"hash": "lx2QEl0xraW", "uri": "/contracts/lx2QEl0xraW#coverage-b", "label": "Excess Catastrophe Reinsurance Contract (FedNat Holding Co)", "score": 31.8548946381, "published": true}, {"hash": "lse1CRuxCmE", "uri": "/contracts/lse1CRuxCmE#coverage-b", "label": "Excess Catastrophe Reinsurance Contract (FedNat Holding Co)", "score": 31.8548946381, "published": true}, {"hash": "kw2DWKKcLEJ", "uri": "/contracts/kw2DWKKcLEJ#coverage-b", "label": "Excess Catastrophe Reinsurance Contract (FedNat Holding Co)", "score": 31.8548946381, "published": true}], "hash": "d41af87d9500a8c1045b89bde1fd7d90", "id": 4}, {"snippet_links": [], "size": 3, "snippet": "Excess Medical does not cover any of the following supplies or services or costs thereof:", "samples": [{"hash": "5NDfRuyrWCI", "uri": "/contracts/5NDfRuyrWCI#coverage-b", "label": "Catastrophic Medical Insurance Policy", "score": 31.3099422455, "published": true}, {"hash": "6lCEclIj5db", "uri": "/contracts/6lCEclIj5db#coverage-b", "label": "Blendable Catastrophic Medical Insurance", "score": 24.9069137573, "published": true}, {"hash": "c5st70TMvfF", "uri": "/contracts/c5st70TMvfF#coverage-b", "label": "Catastrophic Medical Insurance Policy", "score": 24.647190094, "published": true}], "hash": "82a812b23fe8888f9cdf3b813260eefa", "id": 5}, {"snippet_links": [{"key": "liability-of", "type": "clause", "offset": [11, 23]}, {"key": "bodily-injury-by-accident", "type": "clause", "offset": [41, 66]}, {"key": "each-accident", "type": "definition", "offset": [79, 92]}, {"key": "bodily-injury-by-disease", "type": "definition", "offset": [95, 119]}, {"key": "policy-limit", "type": "definition", "offset": [187, 199]}], "size": 3, "snippet": "Employer\u2019s Liability of not less than: \u2022 Bodily Injury by accident: $1,000,000 each accident \u2022 Bodily Injury by disease: $1,000,000 each employee \u2022 Bodily Injury per employee: $1,000,000 policy limit", "samples": [{"hash": "5loHBrrTE5Y", "uri": "/contracts/5loHBrrTE5Y#coverage-b", "label": "Cooperative Agreement", "score": 25.2724170685, "published": true}, {"hash": "1SVH9Y5skTk", "uri": "/contracts/1SVH9Y5skTk#coverage-b", "label": "Cooperative Agreement", "score": 24.03764534, "published": true}], "hash": "0c3ae047986a42363edab74b17a12242", "id": 6}, {"snippet_links": [{"key": "the-company-shall", "type": "clause", "offset": [0, 17]}, {"key": "ultimate-net-loss", "type": "clause", "offset": [96, 113]}, {"key": "arising-out-of", "type": "definition", "offset": [114, 128]}, {"key": "loss-event", "type": "clause", "offset": [134, 144]}, {"key": "of-the-company", "type": "clause", "offset": [179, 193]}, {"key": "the-liability-of-the-reinsurer", "type": "clause", "offset": [337, 367]}, {"key": "the-applicable", "type": "clause", "offset": [596, 610]}, {"key": "annual-period", "type": "definition", "offset": [611, 624]}, {"key": "inure-to-the-benefit", "type": "clause", "offset": [666, 686]}, {"key": "this-coverage", "type": "definition", "offset": [690, 703]}], "size": 2, "snippet": "The Company shall retain and be liable for the first six hundred thousand dollars ($600,000) of Ultimate Net Loss arising out of each Loss Event, whether involving one or several of the Company\u2019s Policies or Insureds. The Reinsurer shall then be liable for the amount by which such Ultimate Net Loss exceeds the Company\u2019s retention, but the liability of the Reinsurer shall not exceed two million two hundred thousand dollars ($2,200,000) excess of six hundred thousand dollars ($600,000) as respects any one Loss Event, nor more than two million two hundred thousand dollars ($2,200,000) during the applicable annual period. Recoveries from Coverages A and C shall inure to the benefit of this Coverage B.", "samples": [{"hash": "2V4uyHNgZzw", "uri": "/contracts/2V4uyHNgZzw#coverage-b", "label": "Reinsurance Contract (Positive Physicians Holdings,inc.)", "score": 30.056810379, "published": true}, {"hash": "6Du0IP5Wk9B", "uri": "/contracts/6Du0IP5Wk9B#coverage-b", "label": "Reinsurance Contract (Positive Physicians Holdings,inc.)", "score": 29.892539978, "published": true}], "hash": "eaf2e8ef6eafcc5e76bb67731613cb2e", "id": 7}, {"snippet_links": [{"key": "the-reinsurer", "type": "clause", "offset": [0, 13]}, {"key": "the-company", "type": "definition", "offset": [30, 41]}, {"key": "five-percent", "type": "clause", "offset": [58, 70]}, {"key": "loss-and-loss-adjustment-expenses", "type": "clause", "offset": [112, 145]}, {"key": "arising-out-of", "type": "definition", "offset": [146, 160]}, {"key": "real-estate", "type": "clause", "offset": [173, 184]}, {"key": "general-liability", "type": "definition", "offset": [185, 202]}, {"key": "net-earned-premium", "type": "definition", "offset": [298, 316]}, {"key": "maximum-amount", "type": "definition", "offset": [389, 403]}, {"key": "equal-to", "type": "definition", "offset": [404, 412]}], "size": 2, "snippet": "The Reinsurer shall indemnify the Company for 25% (twenty five percent) of the paid portion of all Ultimate Net Loss and Loss Adjustment Expenses arising out of Large Lines Real Estate General Liability Business in excess of 60% (sixty percent) to 125% (one hundred and twenty-five percent) of the Net Earned Premium allocable to Large Lines Real Estate General Liability Business up to a maximum amount equal to 16.25% (sixteen and one-quarter percent) of Net Earned Premium for Large Lines Real Estate General Liability Business.", "samples": [{"hash": "lQpuifwDJwS", "uri": "/contracts/lQpuifwDJwS#coverage-b", "label": "Aggregate Excess of Loss Retrocession Agreement (Tower Group, Inc.)", "score": 18.0, "published": true}, {"hash": "5R78NV3CMgJ", "uri": "/contracts/5R78NV3CMgJ#coverage-b", "label": "Aggregate Excess of Loss Retrocession Agreement (Tower Group, Inc.)", "score": 18.0, "published": true}], "hash": "a8952a58d769b6b0c0113fd5333f5573", "id": 8}, {"snippet_links": [{"key": "equal-to", "type": "definition", "offset": [24, 32]}, {"key": "coverage-a", "type": "clause", "offset": [164, 174]}, {"key": "insured-premises", "type": "clause", "offset": [257, 273]}, {"key": "time-of-loss", "type": "clause", "offset": [286, 298]}, {"key": "cost-of", "type": "clause", "offset": [324, 331]}, {"key": "described-location", "type": "clause", "offset": [380, 398]}], "size": 2, "snippet": "\u201cYou\u201d may add an amount equal to the \u201climit\u201d shown on the \u201cdeclarations\u201d for Coverage B \u2013 Related Private Structures to the \u201climit\u201d shown on the \u201cdeclarations\u201d for Coverage A \u2013 Residence \u201climit\u201d when there are no detached related private structures on the \u201cinsured premises\u201d. If at the time of loss the combined replacement cost of all detached related private structures on the \u201cdescribed location\u201d, excluding fences, driveways, sidewalks, and inground pools, is less than the Coverage B \u201climit\u201d, the difference may be added to the Coverage A \u201climit\u201d.", "samples": [{"hash": "irJJo99WaIB", "uri": "/contracts/irJJo99WaIB#coverage-b", "label": "Insurance Policy", "score": 21.0, "published": true}, {"hash": "5DY5EFFoDe7", "uri": "/contracts/5DY5EFFoDe7#coverage-b", "label": "Insurance Policy", "score": 21.0, "published": true}], "hash": "c6fb6a2fbb05ac41bc40ec22f9ef0258", "id": 9}, {"snippet_links": [{"key": "other-structures", "type": "definition", "offset": [0, 16]}, {"key": "we-cover", "type": "clause", "offset": [20, 28]}, {"key": "residence-premises", "type": "clause", "offset": [54, 72]}, {"key": "clear-space", "type": "clause", "offset": [105, 116]}, {"key": "utility-line", "type": "definition", "offset": [186, 198]}, {"key": "we-do-not-cover", "type": "clause", "offset": [228, 243]}], "size": 2, "snippet": "Other Structures\n1. We cover other structures on the \"residence premises\" set apart from the dwelling by clear space. This includes structures connected to the dwelling by only a fence, utility line, or simi- lar connection.\n2. We do not cover:\na. Land, including land on which the other", "samples": [{"hash": "5gYMyQEDSup", "uri": "/contracts/5gYMyQEDSup#coverage-b", "label": "Homeowners Insurance Policy", "score": 21.0, "published": true}], "hash": "c7e5c9493d6aea1a56793f7c3e232e75", "id": 10}], "next_curs": "ClMSTWoVc35sYXdpbnNpZGVyY29udHJhY3Rzci8LEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2IhNjb3ZlcmFnZS1iIzAwMDAwMDBhDKIBAmVuGAAgAA==", "clause": {"title": "Coverage B", "children": [["", ""], ["shock-losses", "Shock Losses"]], "size": 91, "parents": [["insurance", "Insurance"], ["insurance-and-indemnification-requirements", "Insurance and Indemnification Requirements"], ["insurance-limits", "Insurance Limits"], ["coverage", "COVERAGE"], ["other-duties", "Other Duties"]], "id": "coverage-b", "related": [["coverage-term", "Coverage Term", "Coverage Term"], ["coverage-minimum-limits", "Coverage Minimum Limits", "Coverage Minimum Limits"], ["coverage-limits", "Coverage Limits", "Coverage Limits"], ["insurance-coverage", "Insurance Coverage", "Insurance Coverage"], ["coverage", "Coverage", "Coverage"]], "related_snippets": [], "updated": "2025-07-10T05:58:13+00:00", "also_ask": [], "drafting_tip": "", "explanation": "Coverage B is a section within an insurance policy that provides protection against specific types of claims not covered under the primary coverage section, often relating to personal and advertising injury liability. This coverage typically applies to claims such as libel, slander, false arrest, wrongful eviction, or copyright infringement that arise from the insured's business operations. Its core practical function is to extend the policyholder's liability protection to a broader range of risks, ensuring comprehensive coverage for incidents that could result in legal action beyond bodily injury or property damage."}, "json": true, "cursor": ""}}