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</o:shapelayout></xml><![endif]--></head><body lang="EN-US" link="#0563C1" vlink="#954F72" style="word-wrap:break-word"><div class="WordSection1"><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#1F3864">Need some help interpreting GL insurance “exclusion” provisions. The two attached forms are attached to a supplement GL policy for concrete repairs to common elements of a condominium building. So with all the exclusions and exceptions to the exclusions, are personal injury claims and property damaged caused by the contractor performing work at a condominium excluded from insurance coverage or an exception to excluded coverage. And if this policy is being written as a project specific add on policy and the policy does provide coverage for such claims, why should either of these forms be included in the policy documents?? Thanks in advance for you time.<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#1F3864"><o:p> </o:p></span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#1F3864">Chuck<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#1F3864"><o:p> </o:p></span></p><p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:black">Charles B. Hernicz, Esq.<o:p></o:p></span></p><p class="MsoNormal"><b><span style="font-size:7.0pt;font-family:"Times New Roman",serif;color:#1F497D">Board Certified in Construction Law by The Florida Bar </span></b><span style="font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p><p class="MsoNormal"><span style="font-family:"Lucida Calligraphy";color:blue">Hernicz Legal Services, P.L.<br></span><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:navy">96072 Breezeway Court <br>Yulee, FL 32097<br>Telephone: (561) 753-7511 <br></span><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:blue"><a href="Chernicz@HerniczLegal.com"><span style="color:blue">Chernicz@HerniczLegal.com</span></a><o:p></o:p></span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#747170">Confidentiality Notice: This communication is covered by the Electronic Communications Privacy Act, 18 U.S.C. §§ 2510-2521. It is legally privileged (including attachments) and is intended only for the use of the individual(s) or entity(ies) to which it is addressed. It may contain information that is confidential, proprietary, privileged, and/or exempt from disclosure under applicable law. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is strictly prohibited. If you have received this communication in error, please notify us so that we may take the appropriate action and avoid troubling you further. If you are not the intended recipient(s), please destroy this message, and any attachments, and notify the sender by return e-mail. Thank you for your cooperation. </span></b><span style="color:#1F3864"><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#1F3864"><o:p> </o:p></span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#1F3864"><o:p> </o:p></span></p></div></body></html>