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FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
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FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
JOMMERCIAL LINES POLICY
Associated Industries Insurance Company, Inc.
Associated Industries Insurance Company, Inc.
P.O. Box 318004
Cleveland, OH 44131-0880
-HIS POLICY CONSISTS OF:
- DECLARATIONS
- COMMON POLICY CONDITIONS
- COVERAGE FORMS
APPLICABLE ENDORSEMENTS
LES JACKET 08 11
FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
Associated Industries Insurance Company, Inc.
n Witness Whereof, the Company has caused this policy to be executed and attested, and, if required by
tate law, this policy shall not be valid unless countersigned by a duly authorized representative of the
20mpany.
President
Elissa Pacheco
'age 2 of 2 AES JACKET 08 11
FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
(
Privacy Policy
Associated Industries Insurance Company, Inc.
We value your business and trust in us and respect the privacy and confidentiality of your nonpublic personal information.
Our Practices Regarding Privacy and Confidentiality
We are committed to keeping your information secure and confidential, regardless of whether information is received by
mail, telephone, Internet or in person.
The nonpublic personal information about you that is collected is utilized only to the extent necessary to effect, deliver,
administer or enforce insurance service to you and is disclosed only as permitted by law. We may also disclose certain
information to nonaffiliated third parties.
If you prefer that we not disclose nonpublic personal information about you to third parties, you may opt out of those
disclosures, that is, you may direct us not to make those disclosures by contacting us at the address and phone number
listed below.
Likewise, to the extent we utilize other organizations, such as general agents and third party administrators, to support our
business; we require them to abide by the requirements of the applicable privacy laws and by our privacy policy.
Information We Collect
We gather information about you in connection withproviding our products and services to you and to support our
business operations. This includes information you may provide to us, such as from your insurance application, and
information about you from another source, such as a credit bureau.
Information We May Disclose To Affiliates or Third Parties
Except as noted herein, we do not disclose nonpublic personal information unless authorized by you. We may, without
authorization but only as permitted or required by law, provide nonpublic personal information about you to persons or
organizations both inside and outside of Associated Industries Insurance Company, Inc. in order to fulfill a transaction
requested, service policies, investigate and/or handle claims, detect and/or prevent fraud, participate in insurance support
organizations, or comply with lawful requests from regulatory or law enforcement authorities or a court of law. These
include, for example: affiliated companies, claims adjusters or administrators, insurance agents or brokers, medical
providers, program managers, consumer reporting agencies, governmental agencies, auditors, lienholders, mortgagees,
and assignees.
Information Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees who need to know that information in
order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply
with federal regulations to guard your nonpublic personal information.
Access to Your Information
You have the right to know what kind we keep in our files about you, to have the reasonable
of information access to it
and receive a copy. Contact us at the address
below shouldnoted
you have questions about what information we may
have on file. All written requests must include your name, address, telephone number, and a photocopy of a picture ID for
identification purposes. We are dedicated to maintaining accurate customer records and shall strive to correct any
inaccurate information noted in a timely manner.
Associated Industries Insurance Company, Inc.
Associated Industries Insurance Company, Inc.
P.O. Box 318004
Cleveland, OH 44131-0880
Attention: Privacy Manager
AES PN 08 11
FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
Associated Industries Insurance Company, Inc. Policy Number:
Administered through: AES1026038 00
A AmTrust E&S Insurance Services, Inc.
160 Federal Street,
3"'
Floor
Named insured:
BSK RESTORATION CORP
Boston, MA 02109
GENERAL LIABILITY
COVERAGE PART
Policy Number AES1026038 00 Policy Period: From 4/13/2013 To 4/13/2014
TimeattheNamedInsure Address
1201am Standard s
Transaction New Business Endorsement Effective Date
Named Insured and Address Broker
BSK RESTORATION CORP Gremesco Corp.
4 STUART STREET 195 Brooklawn Avenue
HUNTINGTON STATION NY 11746 Bridgeport CT 06604
Business Description Type of Business Audit Period
Restoration and Abatement Contractor Organization Including a Corporation Not Applicable
IN RETURN FOR THE PAYMENT OF THE PREMlUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU T
PROVIDE THE INSURANCE AS STATED IN THIS POLICY.
LIMITS OF INSURANCE
General Aggregate Limit (Other than Products-Completed Operations) $ 2,000,000
Products - Completed Operations Aggregate Limit $ 2,000,000
Each Occurrence Limit $ 1,000,000
Personal and Advertising Injury Limit $ 1,000,000
Medical Expense Limit, any one person $ Excluded
Fire Damage Limit, any one fire $ 100,000
Contractors Pollution Per Loss Limit $ 1,000,000
AMENDED LIMITS OF LIABILITY
Refer to attached schedule, if any.
LOCATIONS OF ALL PREMISES YOU OWN, RENT OR OCCUPY
Refer to attached schedule.
CLASSIFICATIONS
Refer to attached schedule, if any.
TOTAL PREMIUM FOR THIS COVERAGE PART $ 17,000
Forms and Endorsements Applicable
See Forms and Endorsements Schedule
These Declarations together with the common policy conditions, coverage declarations, coverage form(s), and form(s) ar
endorsements, if any, issued, complete the above number policy.
Issued Date: 5/8/2013
INSURED COPY
AES ENV DEC 01 13
FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
Associated Industries Insurance Company. Inc. Policy Number:
Administered through: AmTrust E & S Insurance Services, Inc.
AES1026038 00
160 Federal Street, 3rd Floor
Boston, MA 02109 Named Insured:
BSK RESTORATION CORP
COMMON POLICY DECLARATIONS
Policy Number AES1026038 00 Policy Period: From 4/13/2013 To 4/13/2014
1201a m Standard
TimeattheNamedInsured5AddreSS
Transaction New Business
Named Insured and Address Broker
BSK RESTORATION CORP Gremesco Corp.
4 STUART STREET 195 Brooklawn Avenue
HUNTINGTON STATION NY 11746 Bridgeport CT 06604
Business Description Type of Business Audit Period
Restoration and Abatement Contractor Organization Including a Not Applicable
Corporation
In return for the payment of the
premium, and subject to all the terms of this policy, we agree with you to provide the
insurance as stated in this policy. This policy consists of the following coverage parts for which a premium is indicated. This
premium may be subject to adjustment.
COVERAGE PART DESCRIPTION PREMIUM
General Liability
POLICY PREMlUM $
DEPOSIT PREMlUM $
TERRORISM COVERAGE $
POLICY FEE $
TOTAL DEPOSIT PREMIUM $
Minimum Retained Audit Premium Minimum Retained Premium
Forms applicable to all Coverage Parts: See Forms and Endorsements schedule
THE INSURER NAMED HEREIN IS NOT LICENSED BY THE OF NEW YORK,
STATE NOT SUBJECT TO ITS
SUPERVISION, AND IN THE EVENT OF THE INSOLVENCY OF THE INSURER, NOT PROTECTED BY THE NEW YORK
STATE SECURITY FUNDS. THE POLICY MAY NOT BE SUBJECT TO ALL OF THE REGULATIONS OF THE INSURANCE
DEPARTMENT PERTAINING TO POLICY FORMS.
Countersigned this By &
Authorized Representative
Issued Date: 7/11/2013
INSURED COPY
CPPMDEC 0411
FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
Associated Industries Insurance Company, Inc. Policy Number:
Administered through: AmTrust E & S Insurance Services, Inc. AES1026038 00
160 Federal Street, 3rd Floor Named Insured:
Boston, MA 02109 BSK RESTORATION CORP
COMMERCIAL GENERAL LIABILITY EXTENSION OF DECLARATIONS
LOCATION OF PREMISES
Location of AII Premises You Own, Rent or Occupy:
4 STUART STREET
HUNTINGTON STATION NY 11746
PREMIUM
Rate Advance Premium
Location Classification Code No. Exposure Basis Prem. Ops. Prod/Comp Prem. Ops. Prod/Comp
Ops. Ops.
1 92663 1,500,000 Gross Sales Included Included Included
Engineers or Architects - consulting - not engaged In actual construction
Includes copyrighted material of Insurance Services Office, Inc., with Its permission. Copyright, Insurance Services Office, Inc., 1994.
Issued Date: 7/11/2013 Page 3 of 5
INSURED COPY
GLMDECB 0411
FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
Associated Industries Insurance Company, Inc. Policy Number:
Administered through: AmTrust E & S Insurance Services, Inc. AES1026038 00
160 Federal Street, 3rd Floor Named insured:
Boston, MA 02109 BSK RESTORATION CORP
FORMS ANDENDORSEMENTS SCHEDULE
Coverage Form Ed. Date Description
CG AESENV001 (01/13) POLICYHOLDER'S GUIDE TO REPORTING AN ENVIRONMENTAL CLAIM
CG AESENV002 (01/13) CONTRACTORS POLLUTION LEGAL LIABILITY ENDORSEMENT
CG AESENV003 (01/13) SUPPLEMENTAL POLICY EXCLUSIONS
CG AESENV004 (01/13) EXCLUSION- BREACH OF CONTRACT
CG AESENV006 (01/13) AMENDED WAlVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US
CG AESPN (08/11) ASSOCIATED INDUSTRIES INSURANCE COMPANY PRIVACY POLICY
CG CG0001 (12/07) COMMERCIAL GENERAL LIABILITY COVERAGE FORM
CG CGO224 (10/93) EARLIER NOTICE OF CANCELLATION PROVIDED BY US (FOR USE WITH CGL, LIQUOR, POLLUTION
AND PRODUCTS POLICIES
CG CG2134 (01/87) EXCLUSION- DESIGNATED WORK (FOR USE WITH CGL AND PRODUCTS POLICIES)
CG CG2135 (10/01) EXCLUSION- COVERAGE C - MEDICAL PAYMENTS
CG CG2136 (03/05) EXCLUSION- NEW ENTITIES
CG CG2149 (09/99) TOTAL POLLUTION EXCLUSION ENDORSEMENT
CG CG2153 (01/96) EXCLUSION- DESIGNATED ONGOING OPERATIONS
CG CG2175AES (01/13) EXCLUSION OF CERTIFIED ACTS OF TERRORISM AND EXCLUSION OF OTHER ACTS OF TERRORISM
COMMITTED OUTSIDE THE UNITED STATES
CG CG2233 (07/98) EXCLUSION- TESTING OR CONSULTING ERRORS AND OMISSIONS
CG CG2234 (07/98) EXCLUSION- CONSTRUCTION MANAGEMENT ERRORS AND OMISSIONS
CG CG2243 (07/98) EXCLUSION- ENGINEERS, ARCHITECTS OR SURVEYORS PROFESSIONAL LIABILITY
CG CPS33003 (12/11) POLICYHOLDER NOTICE - SERVICE OF PROCESS
CG IL0017 (11/98) COMMON POLICY CONDITIONS
CG IL1201 (11/85) POLICY CHANGES
CG NXGL004 (08/09) AMENDMENT - COMMON POLICY CONDITIONS
CG NXGL007 (08/09) MINIMUM RETAINED AUDIT PREMlUM
CG NXGL008 (08/09) MINIMUM RETAINED PREMlUM
CG NXGLO37 (08/09) DEDUCTIBLE LIABILITY ENDORSEMENT - INCLUDING EXPENSE (PER OCCURRENCE/OFFENSE)
CG NXGLO67 (08/09) EXCLUSION- BLASTING OPERATIONS
Issued Date: 7/11/2013 Page 4 of 5
CPPMFORMSCHED
FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
Associated Industries Insurance Company, Inc. Policy Number:
Administered through: AmTrust E & S Insurance Services, Inc. AES1026038 00
160 Federal Street, 3rd Floor Named Insured:
Boston, MA02109 BSK RESTORATION CORP
FORMS ANDENDORSEMENTS SCHEDULE
Coverage Form Ed. Date Description
CG NXGL113 (08/09) NEW RESIDENTIAL CONSTRUCTION LIMITATION AND EXCLUSION ENDORSEMENT
CG NXGL122 (08/09) EXCLUSION - INJURY TO EMPLOYEES, CONTRACTOR, EMPLOYEES OF A CONTRACTOR
CG NXGL198 (01/13) EXCLUSION- TOTAL PROFESSIONAL SERVICES
CG NXTRIA001 (11/10) TRIA POLICY HOLDER NOilCE
Issued Date: 7/11/2013 Page 5 of 5
CPPMFORMSCHED
FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
COMMERCIAL GENERAL LIABILITY
AES ENV 001 01 13
POLICYHOLDER'S GUIDE TO REPORTING AN ENVIRONMENTAL CLAIM
A. In the event that an insured receives a claim or becomes aware of a pollution condition which may give
rise to loss under this policy, the insured must notify us as soon as practicable utilizing any of the
following methods.
Notice to us should contain the following information:
1. The current contact information of the person(s) giving notice to us;
2. The time and location of the pollution condition;
3. A description of the circumstances giving rise to the pollution condition including how and when
you become aware of the pollution condition;
4. The names and addresses of any injured persons or witnesses; and
5. All other information which is relevant to the claim, pollution condition, or loss.
B. New claims may be reported 24/7 to AmTrust North America as follows:
1. By Electronic Mail: environmentalcIpims(CDamtrustes.çom
2. By Facsimile: (877) 669-9140
3. By Mail: AmTrust North America
Claims Department
P.O. Box 650767
Dallas, TX 75265-0767
4. By Telephone: (866) 272-9767
C. AmTrust North America Claim Office may be reached as follows:
1. By Mail: AmTrust North America
P.O. Box 650767
Dallas, TX 75265-0767
2. By Telephone: (877) 207-3119
3. By Facsimile: (877) 207-3961
D. Emergency Spill Response Hotline
AmTrust E&S Insurance Services has established an emergency response hotline for immediate reporting of
such events requiring emergency response. Immediate reporting of such events ensures timely notice to us
of pollution claims as well as other claims that may require immediate response.
Please use this hotline to notify us immediately of any situation you encounter that may lead to a pollution
claim. Using the hotline may help you to furill some of your responsibilities to AmTrust E&S Insurance
Services. Reimbursement of emergency response costs is conditioned on timely reporting by use of the
emergency response hotline.
QRM Emergency Response Hotline 1-877-613-7976
Environmental"
Program Name is "AmTrust E&S
AES ENV 001 01 13 Page 1 of 1
FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
POLICY NUMBER: AES1026038 00 COMMERCIAL GENERAL LIABILITY
AES ENV 002 01 13
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
CONTRACTORS POLLUTION LEGAL LIABILITY
ENDORSEMENT
THIS ENDORSEMENT PROVIDES COVERAGE ON BOTH CLAIMS-MADE AND OCCURRENCE BASIS, AS
APPLICABLE. PLEASE READ IT CAREFULLY.
This Endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
SCHEDULE OF INSURANCE
Pollution Coverage Limits of Insurance Deductible Retroactive Coverage
Coverage
Date Purchased
Contractors Pollution $1,000,000.0C Condi-
Each Pollution N/A Yes
Legal Liability tion / Each Occurrence
(Occurrence)
2 $250,000.0C Each Pollution Condi- N/A Yes
Crisis Management
Expense (Occurrence) tion / Each Occurrence
3 Non-Owned Disposal $1,000,000.0C Each Pollution Condi- 4/13/2013 Yes
Site (Claims Made) tion / Each Occurrence
4 Mold (Claims $1,000,000.0C Each Pollution Condi- 4/13/2013 Yes
Made)
tion / Each Occurrence
Coverage D Aggregate - included within the Gen-
eral Aggregate shown on the Policy Declarations
The following is added to SECTION I - COVERAGES: (2) Pollution Coverage 2 - Crisis Manage-
ment Expense (Occurrence Coverage):
COVERAGE D POLLUTION LEGAL LIABILITY
expense"
"crisis management in excess of
from" "pol-
the applicable Deductible "arising
1. Agreement conditions" ac-
Insuring lution caused by "contracting
tivities" period"
a. We will pay: which occur during the "policy
and if Pollution Coverage 2 is purchased as
(1) Pollution Coverage 1 - Contractors Pollu-
shown in the Schedule to this endorsement;
tion Legal Liability (Occurrence Coverage):
those sums in excess of the applicable De-
(3) Pollution Coverage 3 - Non-Owned Dis-
ductible that the you become obligat-
' loss" legally "claims" posal Site (Claims-Made Coverage):
ed to pay as as a result of
from' conditions' those sums in excess of the applicable De-
"arising pollution caused
ductible you become legally obligated to pay
by contracting activities during the policy "loss" "claims"
period" as as a result of first made
and if Pollution Coverage 1 is pur- period"
and reported "aris-
chased as shown in the Schedule to this en- during the "policy
from" conditions" from"
ing "pollution "arising
dorsement;
AES ENV 002 01 13 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 13 O
with its permission
FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023
( (
"contracting activities", subsequent to the (2) For Coverage D Pollution Coverage 1 and
retroactive date on, at, under or migrating Coverage D Pollution Coverage 2, the
site" "loss" expense" oc-
from a "non-owned disposal and if Pol- or "crisis management
lution Coverage 3 is purchased as shown in curs during the "policy period"; and
the Schedule to this endorsement; and
(3) For Coverage D Pollution Coverage 3 and
Coverage D Pollution Coverage 4, the
(4) Pollution Coverage 4 - Mold (Claims- "loss"
occurs on or after the Retroactive Date
made Coverage): shown in the Schedule to this endorsement
De- "claim"
those sums in excess of the applicable and the is first made and reported
ductible you become legally obligated to pay during the "policy period".
"loss"
for as a result of claims first made and
period" injury" damage" oc-
reported during the "policy "arising c. "Bodily or "property which
from" "mold" activi- period" from" "pol-
caused by "contracting curs during the "policy "arising
conditions" "mold" "contract-
ties", subsequent to the retroactive date and lution or caused by
activities"
if Pollution Coverage 4 is purchased as ing and were not, prior to the "policy
shown in the Schedule to this endorsement. period", known to have occurred by any insured
listed under Paragraph 1. of Section II - WHO
"employee"
We will have the right and duty to defend the in- IS AN INSURED or any authorized
"claim" "suit"
sured against any or seeking
dam- by you to give or receive notice of an "occur-
"loss" rence"
ages for any such or "crisis management or "claim", includes any continuation,
injury"
expense". change or resumption of that "bodily or
damage"
"ProPerty after the end of the "policy
However, we will have no duty to defend the in-
"claim" "suit" dam- penod .
sured against any or seeking
"loss" expense"
ages for or "crisis management
d. "Bodily injury", "property damage", "pollution
to which this insurance does not apply. We may condition" "mold"
"occurrence" or will be deemed to have been
at our discretion, investigate any or
condition" "claim" known to have occurred or begun at the earliest
"pollution and settle any or
"suit" time when any insured listed under Paragraph 1.
that may result. But:
of Section II - WHO IS AN INSURED or any
"emPloyee"
authorized by you to give or receive
(1) The amount we will pay for damages is lim. '
notice of an occurrence or claim":
ited as described in Section Ill - Limits of
(1) Reports all, or any part, of the "bodily injury",
(2) Our right and duty to defend ends when we "pollution or
"property damage", condition",
have used up the applicable limit of insur- "mold"
Preview
FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 E x h i b i t A FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 JOMMERCIAL LINES POLICY Associated Industries Insurance Company, Inc. Associated Industries Insurance Company, Inc. P.O. Box 318004 Cleveland, OH 44131-0880 -HIS POLICY CONSISTS OF: - DECLARATIONS - COMMON POLICY CONDITIONS - COVERAGE FORMS APPLICABLE ENDORSEMENTS LES JACKET 08 11 FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 Associated Industries Insurance Company, Inc. n Witness Whereof, the Company has caused this policy to be executed and attested, and, if required by tate law, this policy shall not be valid unless countersigned by a duly authorized representative of the 20mpany. President Elissa Pacheco 'age 2 of 2 AES JACKET 08 11 FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 ( Privacy Policy Associated Industries Insurance Company, Inc. We value your business and trust in us and respect the privacy and confidentiality of your nonpublic personal information. Our Practices Regarding Privacy and Confidentiality We are committed to keeping your information secure and confidential, regardless of whether information is received by mail, telephone, Internet or in person. The nonpublic personal information about you that is collected is utilized only to the extent necessary to effect, deliver, administer or enforce insurance service to you and is disclosed only as permitted by law. We may also disclose certain information to nonaffiliated third parties. If you prefer that we not disclose nonpublic personal information about you to third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures by contacting us at the address and phone number listed below. Likewise, to the extent we utilize other organizations, such as general agents and third party administrators, to support our business; we require them to abide by the requirements of the applicable privacy laws and by our privacy policy. Information We Collect We gather information about you in connection withproviding our products and services to you and to support our business operations. This includes information you may provide to us, such as from your insurance application, and information about you from another source, such as a credit bureau. Information We May Disclose To Affiliates or Third Parties Except as noted herein, we do not disclose nonpublic personal information unless authorized by you. We may, without authorization but only as permitted or required by law, provide nonpublic personal information about you to persons or organizations both inside and outside of Associated Industries Insurance Company, Inc. in order to fulfill a transaction requested, service policies, investigate and/or handle claims, detect and/or prevent fraud, participate in insurance support organizations, or comply with lawful requests from regulatory or law enforcement authorities or a court of law. These include, for example: affiliated companies, claims adjusters or administrators, insurance agents or brokers, medical providers, program managers, consumer reporting agencies, governmental agencies, auditors, lienholders, mortgagees, and assignees. Information Confidentiality and Security We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Access to Your Information You have the right to know what kind we keep in our files about you, to have the reasonable of information access to it and receive a copy. Contact us at the address below shouldnoted you have questions about what information we may have on file. All written requests must include your name, address, telephone number, and a photocopy of a picture ID for identification purposes. We are dedicated to maintaining accurate customer records and shall strive to correct any inaccurate information noted in a timely manner. Associated Industries Insurance Company, Inc. Associated Industries Insurance Company, Inc. P.O. Box 318004 Cleveland, OH 44131-0880 Attention: Privacy Manager AES PN 08 11 FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 Associated Industries Insurance Company, Inc. Policy Number: Administered through: AES1026038 00 A AmTrust E&S Insurance Services, Inc. 160 Federal Street, 3"' Floor Named insured: BSK RESTORATION CORP Boston, MA 02109 GENERAL LIABILITY COVERAGE PART Policy Number AES1026038 00 Policy Period: From 4/13/2013 To 4/13/2014 TimeattheNamedInsure Address 1201am Standard s Transaction New Business Endorsement Effective Date Named Insured and Address Broker BSK RESTORATION CORP Gremesco Corp. 4 STUART STREET 195 Brooklawn Avenue HUNTINGTON STATION NY 11746 Bridgeport CT 06604 Business Description Type of Business Audit Period Restoration and Abatement Contractor Organization Including a Corporation Not Applicable IN RETURN FOR THE PAYMENT OF THE PREMlUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU T PROVIDE THE INSURANCE AS STATED IN THIS POLICY. LIMITS OF INSURANCE General Aggregate Limit (Other than Products-Completed Operations) $ 2,000,000 Products - Completed Operations Aggregate Limit $ 2,000,000 Each Occurrence Limit $ 1,000,000 Personal and Advertising Injury Limit $ 1,000,000 Medical Expense Limit, any one person $ Excluded Fire Damage Limit, any one fire $ 100,000 Contractors Pollution Per Loss Limit $ 1,000,000 AMENDED LIMITS OF LIABILITY Refer to attached schedule, if any. LOCATIONS OF ALL PREMISES YOU OWN, RENT OR OCCUPY Refer to attached schedule. CLASSIFICATIONS Refer to attached schedule, if any. TOTAL PREMIUM FOR THIS COVERAGE PART $ 17,000 Forms and Endorsements Applicable See Forms and Endorsements Schedule These Declarations together with the common policy conditions, coverage declarations, coverage form(s), and form(s) ar endorsements, if any, issued, complete the above number policy. Issued Date: 5/8/2013 INSURED COPY AES ENV DEC 01 13 FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 Associated Industries Insurance Company. Inc. Policy Number: Administered through: AmTrust E & S Insurance Services, Inc. AES1026038 00 160 Federal Street, 3rd Floor Boston, MA 02109 Named Insured: BSK RESTORATION CORP COMMON POLICY DECLARATIONS Policy Number AES1026038 00 Policy Period: From 4/13/2013 To 4/13/2014 1201a m Standard TimeattheNamedInsured5AddreSS Transaction New Business Named Insured and Address Broker BSK RESTORATION CORP Gremesco Corp. 4 STUART STREET 195 Brooklawn Avenue HUNTINGTON STATION NY 11746 Bridgeport CT 06604 Business Description Type of Business Audit Period Restoration and Abatement Contractor Organization Including a Not Applicable Corporation In return for the payment of the premium, and subject to all the terms of this policy, we agree with you to provide the insurance as stated in this policy. This policy consists of the following coverage parts for which a premium is indicated. This premium may be subject to adjustment. COVERAGE PART DESCRIPTION PREMIUM General Liability POLICY PREMlUM $ DEPOSIT PREMlUM $ TERRORISM COVERAGE $ POLICY FEE $ TOTAL DEPOSIT PREMIUM $ Minimum Retained Audit Premium Minimum Retained Premium Forms applicable to all Coverage Parts: See Forms and Endorsements schedule THE INSURER NAMED HEREIN IS NOT LICENSED BY THE OF NEW YORK, STATE NOT SUBJECT TO ITS SUPERVISION, AND IN THE EVENT OF THE INSOLVENCY OF THE INSURER, NOT PROTECTED BY THE NEW YORK STATE SECURITY FUNDS. THE POLICY MAY NOT BE SUBJECT TO ALL OF THE REGULATIONS OF THE INSURANCE DEPARTMENT PERTAINING TO POLICY FORMS. Countersigned this By & Authorized Representative Issued Date: 7/11/2013 INSURED COPY CPPMDEC 0411 FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 Associated Industries Insurance Company, Inc. Policy Number: Administered through: AmTrust E & S Insurance Services, Inc. AES1026038 00 160 Federal Street, 3rd Floor Named Insured: Boston, MA 02109 BSK RESTORATION CORP COMMERCIAL GENERAL LIABILITY EXTENSION OF DECLARATIONS LOCATION OF PREMISES Location of AII Premises You Own, Rent or Occupy: 4 STUART STREET HUNTINGTON STATION NY 11746 PREMIUM Rate Advance Premium Location Classification Code No. Exposure Basis Prem. Ops. Prod/Comp Prem. Ops. Prod/Comp Ops. Ops. 1 92663 1,500,000 Gross Sales Included Included Included Engineers or Architects - consulting - not engaged In actual construction Includes copyrighted material of Insurance Services Office, Inc., with Its permission. Copyright, Insurance Services Office, Inc., 1994. Issued Date: 7/11/2013 Page 3 of 5 INSURED COPY GLMDECB 0411 FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 Associated Industries Insurance Company, Inc. Policy Number: Administered through: AmTrust E & S Insurance Services, Inc. AES1026038 00 160 Federal Street, 3rd Floor Named insured: Boston, MA 02109 BSK RESTORATION CORP FORMS ANDENDORSEMENTS SCHEDULE Coverage Form Ed. Date Description CG AESENV001 (01/13) POLICYHOLDER'S GUIDE TO REPORTING AN ENVIRONMENTAL CLAIM CG AESENV002 (01/13) CONTRACTORS POLLUTION LEGAL LIABILITY ENDORSEMENT CG AESENV003 (01/13) SUPPLEMENTAL POLICY EXCLUSIONS CG AESENV004 (01/13) EXCLUSION- BREACH OF CONTRACT CG AESENV006 (01/13) AMENDED WAlVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US CG AESPN (08/11) ASSOCIATED INDUSTRIES INSURANCE COMPANY PRIVACY POLICY CG CG0001 (12/07) COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG CGO224 (10/93) EARLIER NOTICE OF CANCELLATION PROVIDED BY US (FOR USE WITH CGL, LIQUOR, POLLUTION AND PRODUCTS POLICIES CG CG2134 (01/87) EXCLUSION- DESIGNATED WORK (FOR USE WITH CGL AND PRODUCTS POLICIES) CG CG2135 (10/01) EXCLUSION- COVERAGE C - MEDICAL PAYMENTS CG CG2136 (03/05) EXCLUSION- NEW ENTITIES CG CG2149 (09/99) TOTAL POLLUTION EXCLUSION ENDORSEMENT CG CG2153 (01/96) EXCLUSION- DESIGNATED ONGOING OPERATIONS CG CG2175AES (01/13) EXCLUSION OF CERTIFIED ACTS OF TERRORISM AND EXCLUSION OF OTHER ACTS OF TERRORISM COMMITTED OUTSIDE THE UNITED STATES CG CG2233 (07/98) EXCLUSION- TESTING OR CONSULTING ERRORS AND OMISSIONS CG CG2234 (07/98) EXCLUSION- CONSTRUCTION MANAGEMENT ERRORS AND OMISSIONS CG CG2243 (07/98) EXCLUSION- ENGINEERS, ARCHITECTS OR SURVEYORS PROFESSIONAL LIABILITY CG CPS33003 (12/11) POLICYHOLDER NOTICE - SERVICE OF PROCESS CG IL0017 (11/98) COMMON POLICY CONDITIONS CG IL1201 (11/85) POLICY CHANGES CG NXGL004 (08/09) AMENDMENT - COMMON POLICY CONDITIONS CG NXGL007 (08/09) MINIMUM RETAINED AUDIT PREMlUM CG NXGL008 (08/09) MINIMUM RETAINED PREMlUM CG NXGLO37 (08/09) DEDUCTIBLE LIABILITY ENDORSEMENT - INCLUDING EXPENSE (PER OCCURRENCE/OFFENSE) CG NXGLO67 (08/09) EXCLUSION- BLASTING OPERATIONS Issued Date: 7/11/2013 Page 4 of 5 CPPMFORMSCHED FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 Associated Industries Insurance Company, Inc. Policy Number: Administered through: AmTrust E & S Insurance Services, Inc. AES1026038 00 160 Federal Street, 3rd Floor Named Insured: Boston, MA02109 BSK RESTORATION CORP FORMS ANDENDORSEMENTS SCHEDULE Coverage Form Ed. Date Description CG NXGL113 (08/09) NEW RESIDENTIAL CONSTRUCTION LIMITATION AND EXCLUSION ENDORSEMENT CG NXGL122 (08/09) EXCLUSION - INJURY TO EMPLOYEES, CONTRACTOR, EMPLOYEES OF A CONTRACTOR CG NXGL198 (01/13) EXCLUSION- TOTAL PROFESSIONAL SERVICES CG NXTRIA001 (11/10) TRIA POLICY HOLDER NOilCE Issued Date: 7/11/2013 Page 5 of 5 CPPMFORMSCHED FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 COMMERCIAL GENERAL LIABILITY AES ENV 001 01 13 POLICYHOLDER'S GUIDE TO REPORTING AN ENVIRONMENTAL CLAIM A. In the event that an insured receives a claim or becomes aware of a pollution condition which may give rise to loss under this policy, the insured must notify us as soon as practicable utilizing any of the following methods. Notice to us should contain the following information: 1. The current contact information of the person(s) giving notice to us; 2. The time and location of the pollution condition; 3. A description of the circumstances giving rise to the pollution condition including how and when you become aware of the pollution condition; 4. The names and addresses of any injured persons or witnesses; and 5. All other information which is relevant to the claim, pollution condition, or loss. B. New claims may be reported 24/7 to AmTrust North America as follows: 1. By Electronic Mail: environmentalcIpims(CDamtrustes.çom 2. By Facsimile: (877) 669-9140 3. By Mail: AmTrust North America Claims Department P.O. Box 650767 Dallas, TX 75265-0767 4. By Telephone: (866) 272-9767 C. AmTrust North America Claim Office may be reached as follows: 1. By Mail: AmTrust North America P.O. Box 650767 Dallas, TX 75265-0767 2. By Telephone: (877) 207-3119 3. By Facsimile: (877) 207-3961 D. Emergency Spill Response Hotline AmTrust E&S Insurance Services has established an emergency response hotline for immediate reporting of such events requiring emergency response. Immediate reporting of such events ensures timely notice to us of pollution claims as well as other claims that may require immediate response. Please use this hotline to notify us immediately of any situation you encounter that may lead to a pollution claim. Using the hotline may help you to furill some of your responsibilities to AmTrust E&S Insurance Services. Reimbursement of emergency response costs is conditioned on timely reporting by use of the emergency response hotline. QRM Emergency Response Hotline 1-877-613-7976 Environmental" Program Name is "AmTrust E&S AES ENV 001 01 13 Page 1 of 1 FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 POLICY NUMBER: AES1026038 00 COMMERCIAL GENERAL LIABILITY AES ENV 002 01 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS POLLUTION LEGAL LIABILITY ENDORSEMENT THIS ENDORSEMENT PROVIDES COVERAGE ON BOTH CLAIMS-MADE AND OCCURRENCE BASIS, AS APPLICABLE. PLEASE READ IT CAREFULLY. This Endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE OF INSURANCE Pollution Coverage Limits of Insurance Deductible Retroactive Coverage Coverage Date Purchased Contractors Pollution $1,000,000.0C Condi- Each Pollution N/A Yes Legal Liability tion / Each Occurrence (Occurrence) 2 $250,000.0C Each Pollution Condi- N/A Yes Crisis Management Expense (Occurrence) tion / Each Occurrence 3 Non-Owned Disposal $1,000,000.0C Each Pollution Condi- 4/13/2013 Yes Site (Claims Made) tion / Each Occurrence 4 Mold (Claims $1,000,000.0C Each Pollution Condi- 4/13/2013 Yes Made) tion / Each Occurrence Coverage D Aggregate - included within the Gen- eral Aggregate shown on the Policy Declarations The following is added to SECTION I - COVERAGES: (2) Pollution Coverage 2 - Crisis Manage- ment Expense (Occurrence Coverage): COVERAGE D POLLUTION LEGAL LIABILITY expense" "crisis management in excess of from" "pol- the applicable Deductible "arising 1. Agreement conditions" ac- Insuring lution caused by "contracting tivities" period" a. We will pay: which occur during the "policy and if Pollution Coverage 2 is purchased as (1) Pollution Coverage 1 - Contractors Pollu- shown in the Schedule to this endorsement; tion Legal Liability (Occurrence Coverage): those sums in excess of the applicable De- (3) Pollution Coverage 3 - Non-Owned Dis- ductible that the you become obligat- ' loss" legally "claims" posal Site (Claims-Made Coverage): ed to pay as as a result of from' conditions' those sums in excess of the applicable De- "arising pollution caused ductible you become legally obligated to pay by contracting activities during the policy "loss" "claims" period" as as a result of first made and if Pollution Coverage 1 is pur- period" and reported "aris- chased as shown in the Schedule to this en- during the "policy from" conditions" from" ing "pollution "arising dorsement; AES ENV 002 01 13 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 13 O with its permission FILED: ALBANY COUNTY CLERK 09/08/2023 12:39 PM INDEX NO. 908471-23 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 09/08/2023 ( ( "contracting activities", subsequent to the (2) For Coverage D Pollution Coverage 1 and retroactive date on, at, under or migrating Coverage D Pollution Coverage 2, the site" "loss" expense" oc- from a "non-owned disposal and if Pol- or "crisis management lution Coverage 3 is purchased as shown in curs during the "policy period"; and the Schedule to this endorsement; and (3) For Coverage D Pollution Coverage 3 and Coverage D Pollution Coverage 4, the (4) Pollution Coverage 4 - Mold (Claims- "loss" occurs on or after the Retroactive Date made Coverage): shown in the Schedule to this endorsement De- "claim" those sums in excess of the applicable and the is first made and reported ductible you become legally obligated to pay during the "policy period". "loss" for as a result of claims first made and period" injury" damage" oc- reported during the "policy "arising c. "Bodily or "property which from" "mold" activi- period" from" "pol- caused by "contracting curs during the "policy "arising conditions" "mold" "contract- ties", subsequent to the retroactive date and lution or caused by activities" if Pollution Coverage 4 is purchased as ing and were not, prior to the "policy shown in the Schedule to this endorsement. period", known to have occurred by any insured listed under Paragraph 1. of Section II - WHO "employee" We will have the right and duty to defend the in- IS AN INSURED or any authorized "claim" "suit" sured against any or seeking dam- by you to give or receive notice of an "occur- "loss" rence" ages for any such or "crisis management or "claim", includes any continuation, injury" expense". change or resumption of that "bodily or damage" "ProPerty after the end of the "policy However, we will have no duty to defend the in- "claim" "suit" dam- penod . sured against any or seeking "loss" expense" ages for or "crisis management d. "Bodily injury", "property damage", "pollution to which this insurance does not apply. We may condition" "mold" "occurrence" or will be deemed to have been at our discretion, investigate any or condition" "claim" known to have occurred or begun at the earliest "pollution and settle any or "suit" time when any insured listed under Paragraph 1. that may result. But: of Section II - WHO IS AN INSURED or any "emPloyee" authorized by you to give or receive (1) The amount we will pay for damages is lim. ' notice of an occurrence or claim": ited as described in Section Ill - Limits of (1) Reports all, or any part, of the "bodily injury", (2) Our right and duty to defend ends when we "pollution or "property damage", condition", have used up the applicable limit of insur- "mold"