Please read and sign the following sections:
Fraud Statements:
GENERAL STATEMENT Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and [NY: substantial] civil penalties. (Not applicable in CO, DC, FL, HI, KS, MA, MN, NE, OH, OK, OR, VT or WA; in LA, ME, TN, and VA, insurance benefits may also be denied)
APPLICABLE IN COLORADO It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policy holder or claimant for the purpose of defrauding or attempting to defraud the policy holder or claimant with regard to a settlement of award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
APPLICABLE IN KANSAS Any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act.
APPLICABLE IN MASSACHUSETTS, NEBRASKA, OREGON AND VERMONT Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.
APPLICABLE IN MINNESOTA Any person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.
APPLICABLE IN OHIO Any person who, with intent to defraud or knowing that he/she is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deception statement is guilty of insurance fraud.
I understand that coverage shall not be bound until the Company approves the applicant's completed application and premium payment is received. The Company's receipt of premium does not bind coverage until the completed application is also approved. In the event the Company does not approve your application, your premium payment will be refunded.
I hereby certify that to the best of my knowledge and belief the information provided is true and correct and that no information which would materially affect this insurance has been withheld. All information in the application is deemed material to the underwriting and acceptance of risk.
IN ADDITION TO COMMON POLICY EXCLUSIONS, THERE ARE ADDITIONAL EXCLUSIONS THAT ATTACH TO THE POLICY.
I UNDERSTAND AND ACKNOWLEDGE THAT THERE IS NO COVERAGE FOR SITUATIONS INVOLVING SWIMMING POOLS, ANIMALS, TRAMPOLINES, MOLD, SILICA/DUST, LEAD, ASBESTOS, TRANSPORTATION, AND EMPLOYMENT RELATED PRACTICES. THIS POLICY DOES NOT PROVIDE ANY COVERAGE FOR ANY OPERATONS OTHER THAN CHILD CARE.
ANIMAL GUIDELINES AND AFFIDAVIT
REQUIREMENTS FOR CHILD CARE LIABILITY COVERAGE:
Children enrolled in your child care should NOT be in contact with any animals.
I UNDERSTAND AND ACKNOWLEDGE THAT I HAVE NO INSURANCE COVERAGE FOR, NOR DOES MARKEL INSURANCE COMPANY HAVE ANY DUTY TO DEFEND OR INDEMNIFY ANY LOSS ARISING OUT OF ANIMALS OWNED BY THE APPLICANT NAMED ABOVE, ANIMALS OWNED BY ANYONE LIVING WITH OR VISITING WITH THE APPLICANT ABOVE. “ANIMALS” INCLUDES, BUT IS NOT LIMITED TO HORSES, GOATS, DOGS AND CATS. THIS AFFIDAVIT ALSO APPLIES TO ANY RENEWAL POLICIES.
SWIMMING POOL GUIDELINES AND AFFIDAVIT
REQUIREMENTS FOR CHILD CARE LIABILITY COVERAGE:
Children enrolled in your childcare are NOT allowed to use the pool.
In-ground swimming pool is completely fenced with at least a four-foot fence. Gates are kept locked. If swimming pool is an above ground pool, ladders are completely removed from the pool's side so that no one can enter the pool.
All pool chemicals are kept in a locked storage area.
I UNDERSTAND AND ACKNOWLEDGE THAT I HAVE NO INSURANCE COVERAGE FOR, NOR DOES MARKEL INSURANCE COMPANY HAVE ANY DUTY TO DEFEND OR INDEMNIFY ANY LOSS ARISING OUT OF THE OWNERSHIP, RENTAL, MAINTENANCE, OPERATION, SUPERVISION OR USE BY ANY PERSON OF ANY SWIMMING POOL OR WADING POOL*, OR RELATED SUPPLIES AND EQUIPMENT ON THE INSURED PREMISES. THIS AFFIDAVIT ALSO APPLIES TO ANY RENEWAL POLICIES.
*The Swimming Pool Exclusion on the liability policy does not apply to wading pools 18 inches or less in depth, with size less than 8 feet by 8 feet and constructed of plastic.
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