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GENERAL FRAUD STATEMENT
Applicable in AL, AR, DC, LA, MD, NM, RI and WV
Any person who knowingly (or willfully)* presents a false
or fraudulent claim for payment of a loss or benet or
knowingly (or willfully)* presents false information in an
application for insurance is guilty of a crime and may be
subject to nes and connement in prison. *Applies in MD
Only.
Applicable in CO 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, nes, 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
policyholder or claimant for the purpose of defrauding or
attempting to defraud the policyholder or claimant with
regard to a settlement or award payable from insurance
proceeds shall be reported to the Colorado Division of
Insurance within the Department of Regulatory Agencies.
Applicable in FL and OK Any person knowingly and
with intent to injure, defraud, or deceive any insurer les a
statement of claim or an application containing any false,
incomplete, or misleading information is guilty of a felony
(of the third degree)*. *Applies in FL Only.
Applicable in KS 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, electronic, electronic impulse,
facsimile, magnetic, oral, or telephonic communication
or 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 benet 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 KY, NY, OH and PA Any person who
knowingly and with intent to defraud any insurance
company or other person les 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
such person to criminal and civil penalties* (not to exceed
ve thousand dollars and the stated value of the claim for
each such violation)*.*Applies in NY Only.
Applicable in ME, TN, VA and WA It is a crime to
knowingly provide false, incomplete or misleading
information to an insurance company for the purpose
of defrauding the company. Penalties (may)* include
imprisonment, nes and denial of insurance benets.
*Applies in ME Only.
Applicable in NJ Any person who includes any false or
misleading information on an application for an insurance
policy is subject to criminal and civil penalties.
Applicable in OR Any person who knowingly and with
intent to defraud or solicit another to defraud the insurer by
submitting an application containing a false statement as to
any material fact may be violating state law.
COVERAGE EXCLUSIONS
The following exclusions are contained in the commercial general liability coverage provided by this program:
Abuse, molestation, harassment or sexual conduct; Aircraft/hot air balloon; Airport; (the ownership, operation,
maintenance, or use of any aireld or airport facility or premises. This exclusion does not apply to concessionaires,
exhibitors, or vendors selling, displaying, demonstrating or promoting their products or services at any aireld or airport
facility or premises); Amusement devices(the ownership, operation, maintenance or use of: any mechanical or non-
mechanical ride, slide, water slide, any inatable recreation device, any bungee operation or equipment, any vertical
device or equipment use for climbing- either permanently afxed or temporarily erected, or dunk tank. Amusement
device does not include any video arcade or computer games or structures that are not designed to bounce on, slide
on, ride on or tunnel through); Animals (injury or death to any animal, or injury, death or property damage caused by
an animal owned, rented or hired by you); Asbestos, Commercial general liability standard exclusions (CG 0001 04/13
edition); Employment-related practices; Fireworks; Fungi or bacteria; Lead; Nuclear energy liability; Performers; Rodeos;
Saddle animal; Snowmobile; Violation of statues that govern emails, faxes, phone calls or other methods of sending
materials or information; Those operations listed as ineligible: Alcoholic beverages - selling or furnishing; Animals, Auto
parts (mechanical); Body piercing or permanent tattooing; Christmas tree retail lots, Contractors (lighting, stage, sound,
etc.); Cryogenic chambers/therapy; E-commerce selling; Fire safety equipment; Fireworks sales and displays, Haunted
attractions; Hot wax impressions; Leasing/rental operations; Mazes (corn/hay/fence); Medical testing; Motorsports
activities; Nutritional or health supplement products (selling); On-site installations, service or repair of products; On-
site equipment sales and rental; Oxygen or aromatherapy bars; Paintball equipment/accessories; Photographers
(unless for single event home-based photographer); Protective equipment or apparel; Storefront operations; Tobacco
products (including e-cigarettes/vapor products); Toys (for ages 4 and under); Unmanned aircraft systems (e.g.: drones,
RC aircraft); Vehicles in motion; Watercraft exhibits on water; Weapon sales; Weight loss plans or products (selling);
Wholesale business operations.