Patriot Protector Association Insurance Coverage Documentation

Patriot Protector Association Benefit Reimbursement Coverage Form

Claims Made and Reported Coverage

This is a special reimbursement form with limitations and exclusions to provide coverage for some of the membership benefits provided by The Patriot Protector Association. Subject to all other terms, conditions and exclusions, coverage is only provided for claims that arise out of a “covered contingency” that are actually paid during the policy period shown in the Declarations and are reported to us in writing during the policy period shown in the Declarations or within any Extended Reporting Period shown in the Declarations.

Throughout the Policy the words you and your refer to the Named Insured shown in the Declarations. The words we, us and our refer to the Company providing this insurance.

Other words and phrases that appear in quotation marks have special meaning as referenced in SECTION II – DEFINITIONS.

SECTION I – INSURING AGREEMENTS and Exclusions

Insuring Agreement – Coverage A – Government Seizure and Eminent Domain
Subject to the limits of insurance and the deductible as described in Section IV Limits of Insurance and Deductible, we will reimburse you for “government seizure losses and expenses” paid to or on behalf of a “member” to which this Coverage A This Coverage A applies only if:
A governmental or law enforcement agency or body, including a court, has commenced or authorized action against a “member” to seize a “member’s” “lawful property”; and
The seizure is not the result of a “narcotics offense” or a “hunting or fishing license violation”; and
You have paid or agreed to pay the “member” prior to the expiration or termination date of this policy; and
You have complied with all reporting and payment provisions of Section V – Reporting and Payment of Premium and Claims; and
The “governmental seizure event” did not first occur, nor was it filed, pursued, or published prior to the retroactive date shown in the declarations, or the date from which the dues paying “member” has maintained uninterrupted membership, whichever is later; and
The “governmental seizure event” is reported to us in writing prior to the expiration or termination date of this policy or the Extended Reporting Period shown in the Declarations.

We are not obligated to provide the defense or to assist the “member” in their selection of defense counsel.

Exclusions Coverage A

This policy does not apply to “government seizure losses and expenses” arising out of:

Stolen property

The return, forfeiture or seizure of property that was stolen. However legal expenses to defend the “member” if they unwittingly purchased stolen goods are covered “defense expenses”

Losses fully compensated by government

Any property which was seized for which the “member” was fully compensated.

Contraband

Seizure of “contraband”. However, property that was legal at the time it was obtained by the “member” is not to be considered “contraband”.

Insuring Agreement – Coverage B – Survival Event Expediting Expenses
Subject to the limits of insurance and the deductible as described in Section IV Limits of Insurance and Deductible, we will reimburse you for “expediting expenses” paid to or on behalf of a “member” because of a “survival event” to which this Coverage B applies. This Coverage B applies only if:
The “member” did not participate in, nor contribute to, the “survival event”; and
You have paid or agreed to pay the “member” prior to the expiration or termination date of this policy; and
You have complied with all reporting and payment provisions of Section V – Reporting and Payment of Premium and Claims; and
The “survival event” did not first occur prior to the retroactive date shown in the declarations, or the date from which the dues paying “member” has maintained uninterrupted membership, whichever is later; and
The “survival event” is reported to us in writing prior to the expiration or termination date of this policy or the Extended Reporting Period shown in the Declarations.

Exclusions Coverage B

This policy does not apply to “expediting expenses” arising out of:

Dishonest, intentional, or illegal acts

Dishonest, intentional or illegal acts by a “member” causing “loss” to that “member” or to any other “member” residing in the same household. However, if you inadvertently reimburse a “member” for such “loss” and discover after we have paid you that this exclusion would apply we will not seek reimbursement for such loss by you, but you will allow us subrogation or recovery rights against the “member”.

Expectations of obtaining employment or business opportunity interrupted by a “survival event”

Lost income based upon or arising out of a “member’s” assertion that, but for the “survival event”, they would have obtained employment or become self-employed and generated income or revenue.

Gang or organized crime related

The “member’s” current or former position or membership in any recognized gang or other organized crime operation. For the purposes of this exclusion, a gang or organized crime operation is any group of two or more people that are considered by law enforcement authorities as a criminal enterprise.

War, Acts of War, or use of Weapons of Mass Destruction

“Loss” arising out of war, acts of war, or any use, activation or release of a “weapon of mass destruction”.

Insuring Agreement – Coverage C – Injunctive Relief Legal Expense and Loss of Income
Subject to the limits of insurance and the deductible as described in Section IV Limits of Insurance and Deductible, we will reimburse you for those sums paid to or on behalf of a “member” for “injunctive relief loss” to which this Coverage C applies. This Coverage C applies only if:
The “injunctive relief loss” is caused by an injunction filed against a “primary member”; and
The injunction filed against the “member” was not filed by any person living within the same household or residence; and
You have paid or agreed to pay the “member” prior to the expiration or termination date of this policy; and
Legal fees included within the definition of “injunctive relief loss” are within our schedule of panel counsel fees; and
You have complied with all reporting and payment provisions of Section V – Reporting and Payment of Premium and Claims; and
The injunction causing the “injunctive relief loss” did not first occur prior to the retroactive date shown in the declarations, or the date from which the dues paying “member” has maintained uninterrupted membership, whichever is later; and
The “injunctive relief loss” is reported to us in writing prior to the expiration or termination date of this policy or the Extended Reporting Period shown in the Declarations.

We may in our sole discretion under take the defense of the” member” and settle any claims. In such an instance, you agree to promptly reimburse us for sums we have paid for “injunctive relief loss” that are within your deductible amount as described in Section IV Limits of Insurance and Deductible.

Exclusions Coverage D

This policy does not apply to “injunctive relief loss” arising out of:

Claims for monetary damages

Claims for monetary damages by the party filing the injunction against the “member”.

Countersuits

Claims connected to a precursor legal action filed by the “member” against the person or organization filing the injunction.

Insuring Agreement – Coverage D – Self Defense Incident Expense Coverage
Subject to the limits of insurance and the deductible as described in Section IV Limits of Insurance and Deductible, we will reimburse you for “self-defense incident expenses” paid to or on behalf of a “member” to which this Coverage D applies. This Coverage D applies only if:
The “self-defense incident expenses” are incurred defending a “member” due to a “self-defense incident”; and
You have paid or agreed to pay the “member” prior to the expiration or termination date of this policy; and
You have complied with all reporting and payment provisions of Section V – Reporting and Payment of Premium and Claims; and
The “self-defense incident” did not first occur prior to the retroactive date shown in the declarations, or the date from which the dues paying “member” has maintained uninterrupted membership, whichever is later; and
The “self-defense incident” is reported to us in writing promptly upon notice and prior to the expiration or termination date of this policy or the Extended Reporting Period shown in the Declarations.

We may in our sole discretion under take the defense of the” member” and settle any claims. In such an instance, you agree to promptly reimburse us for sums we have paid for “self-defense incident expenses” that are within your deductible amount as described in Section IV Limits of Insurance and Deductible.

Exclusions Coverage D

This policy does not apply to “defense expenses” arising out of:

Criminal allegations or conduct

A “self-defense incident” that is alleged to have occurred while the “member”” was in the course of committing a crime.

Domestic disputes

A shooting or other “self-defense incident” in which the “member” is claiming they had to protect themselves from their parent, spouse, child or any permanent or temporary resident or guest of their household.

SECTION II – DEFINITIONS

When used in this Policy:

“Additional living expenses” mean the following expenses incurred by a “member” due to a “covered contingency”:
1. Rent or other charges or fees incurred for temporary living quarters while the “member’s” primary residence is unlivable, or access is restricted or dangerous; and
Costs of meals up to $25 per day per “member” while the “member’s” primary residence is unlivable, or access is restricted or dangerous; and
Additional costs for fuel due to increased travel distances and times while the “member’s” primary residence is unlivable, or access is restricted or dangerous; and
4. Temporary storage costs incurred by a “member” to protect their personal property or board their pets while the “member’s” primary residence is unlivable, or access is restricted or dangerous.
“Bodily injury expense” means all expenses incurred by a “member” as a result of physical injury sustained by a “member” or a “member’s” immediately family that reside in the “member’s” residence as a result of a “covered contingency”. Immediate family as used in this definition means the “member’s” spouse, progeny, and the spouse(s) of progeny, and any person under the legal guardianship of the “member”.
“Contraband” means goods, merchandise or other property whose importation, exportation or possession is forbidden or illegal due to the most restrictive of local, state or federal statute, regulation or similar rule or edict.
“Convicted” or “conviction” means a criminal proceeding wherein a person is found guilty of a crime either through a criminal trial, a plea of guilty or no contest, or any other similar court proceeding which results in a disposition other than a finding of not guilty, or a dismissal of all criminal charges.
“Coverage territory” means only the United States of America and Canada.
“Covered contingency” means the following events that are covered by this policy:
1. a “governmental seizure event”; or
2. a “survival event” or
3. an “injunctive relief loss” or
4. a “self-defense incident”
“Covered expenses” means those costs and expenses, other than “bodily injury expense” or “property damage expense”, specifically covered in the insuring agreements of this policy that are not otherwise excluded or exhausted.
“Defense expenses” means costs of investigation, adjustment and defense of “covered contingencies” including attorney fees and expenses, which are incurred by us. “Defense expenses” shall not include expenses of our salaried employees or our office expenses. “Defense expenses” do include costs of bail bonds, and bonds to release attachments, but we do not have to supply those bonds.
“Expediting expenses” means the following costs and expenses incurred by a “primary member”:
1. Deductible amounts, including copayments, for which a “primary member” is liable on “loss” covered by a “member’s” property and casualty or health insurance policies; and
2. “Additional living expenses”;
3. Funeral or medical expenses for a “member”
4. Travel expenses incurred by a “member” to attend the funeral of, or attend to needs of the spouse, parent or child of the “member”; and
5. Loss of after tax income by a “primary member” or a “primary member’s” spouse up to $400 per day due to:
Their place of employment shutting down, conducting layoffs, or having access denied or limited due to a “covered contingency”; or
They are injured and cannot work due to a “covered contingency: or
Due to a “covered contingency” the “primary member” has been relocated greater than 50 miles further from their place of employment than they were prior to the “covered contingency” provided the “primary member” works at a fixed site such as an office, plant or mercantile location; or
If self-employed, the necessary cessation of operations due to a “member’s” customer’s closing, restricted access, or other limitation due to a “covered contingency”.
1. Up to $1,000 per day for temporary security services for up to two weeks to protect lives or preserve property after a “covered contingency”.
“Firearm” shall mean a hand held or shoulder fired weapon from which a shot is discharged by a single load of gun powder or from which a shot is discharged by a single discharge of compressed air.
“Government seizure losses and expenses” means those sums necessary and incidental to compensate a “member” for “loss” caused by a “governmental seizure event”. Legal expenses, accounting and the use value of “lawful property” are included in this definition. In the event the governmental unit has compensated a “member” for the seizure, amounts that have been demonstrated to be the actual value of the property seized that are in excess of the compensation amount are included. Partial losses by eminent domain that diminish the value of the part of the parcel retained are also included in this definition.
“Governmental seizure event” means the forcible taking of “lawful property” by a governmental or law enforcement agency within the “coverage territory”. “Governmental seizure event” includes the taking of property by eminent domain.
“Hunting or fishing license violation” means hunting or fishing without the required license, or hunting or fishing in violation of the terms of a hunting or fishing license.
“Injunctive relief loss” means those expenses necessarily incurred by a “member” in defending, rebutting or otherwise responding to a claim for injunctive relief filed against them in the “coverage territory” relating to or regarding the use, condition or legal operation of their owned or leased real estate. In addition, the “member’s” actual loss of income, up to $200 per day, to meet with their attorneys and attend hearings, mediations or depositions is included in this definition. “Suits” by landlords to enforce lease terms are not included within this definition.
“Insured” means the Named Insured shown in the Declarations.
“Lawfully possessed firearm” means the legal possession of a “firearm” in accordance with the most restrictive of any local, state, provincial, federal, or other applicable law within the “coverage territory” where the “lawful shooting” takes place.
“Lawful property” means property legally possessed at the time it was acquired by the “member”. “Lawful property” does not include property that the “member” has claimed by squatter’s rights, or other such scheme or theory.
“Lawful shooting” means the deliberate use of a “lawfully possessed firearm” in a “self-defense incident” by a “member” on “lawful property” in accordance with the most restrictive of local, state, provincial, federal laws or other applicable law.
“Loss” means “bodily injury expense”, “property damage expense” and other “covered expenses” suffered by a “member” covered by this policy. “Loss” includes “defense expenses”.
“Loss of use” means the inability to use tangible property that has not been injured as a result of a “covered contingency”.
“Mass shooting or hostage situation” means an incident including one or more of the following that is not caused by or resulting from, in whole or part, an act of war:
the unlawful shooting of five or more people; or
the unlawful and forcible detention of one or more people with or without demands being made for their release
“Member” means a natural person who is a dues paying “member” of the Patriot Protector Association. “Member” includes the spouse, parent, or child of the dues paying “member” but only while they maintain permanent residence in the dues paying “member’s” primary residence.

“Narcotics offense” means any charges for which a “member” is “convicted” under the Controlled Substances Act or any other similar law regulating the sale, distribution and use of pharmaceuticals, drugs or alcohol.
“Primary member” means a natural person who is a dues paying “member” of the Patriot Protector Association. “Primary member” does not include the spouse, parent, child or progeny of the dues paying “member” or any other guest or resident of the “primary member’s” residence, home, or other owned, rented, leased or occupied properties.
“Property damage expense” means the cost to repair physical injury to tangible property owned by a “member” or the costs to replace such property that cannot be repaired. “Property damage expense” includes “loss of use”. For the purposes of this insurance, electronic data is not tangible property. As used in this definition, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from, computer software, including systems and applications software, hard or floppy disks, CD-ROMS, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment.
“Self-defense incident” means a “member’s” lawful act of defending their person or others from the actual or threatened unlawful use of deadly force by a third party in the “coverage territory”.
“Self-defense incident expenses” mean
1. “defense expenses”;and
2. third party settlements approved by us

arising out of a covered “self-defense incident”

“Suit” means a civil proceeding in which damages is alleged to which this insurance applies. “Suit” includes:
1. An arbitration proceeding in which damages are claimed and to which the “insured” must submit or does submit with our consent; or
2. Any other alternative dispute resolution proceeding in which damages are claimed and to which the “insured” submits with our consent.
“Survival Event” means the following events occurring in the “coverage territory”.
1. “terrorism”; or
2. A home invasion by perpetrators with the intent to rob, maim, or kill a “member”; or
3. A “mass shooting or hostage situation”

directly impacting or causing “loss” to a “member” or the immediate family of a “member”. The immediate family of a “member” is limited to the parent, grand parent, child or spouse of the “member”.

“Terrorism” means the use of violence or threat of violence against civilians in the pursuit of political aims, religious or ideological change.
“Weapon of mass destruction” means:
1. A nuclear biological, or chemical weapon or agent; or
2. Any conventional explosion or explosive device with an estimated explosive yield over 1 kilo ton of TNT

SECTION III – NAMED INSURED IS ONLY INSURED

The only Insured is the entity shown as Named Insured on the Declarations page. This policy confers no benefits or rights to, and we shall have no obligations or duties to, the “members” of the Named Insured.

SECTION IV – LIMITS OF INSURANCE AND DEDUCTIBLE

The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of:
1. “Members”; or
2. “Claims” made or “suits” brought; or
3. Persons or organizations or “members” making “claims” or bringing “suit”; or
4. “Covered contingencies”; or
5. Coverages applicable
The Policy Aggregate Limit shown in the Declarations is the most we will pay for the sum of all covered “loss” under this policy.
Subject to paragraph 2. Above, the Per Member limit shown in the declarations is the most we will pay for all “loss” arising out of a single “primary member” regardless of the number of people qualifying as “members” due to their relationship to that “primary member”.
Subject to paragraph 2. above, the Coverage A limit shown in the declarations is the most we will pay to reimburse you for “loss” to a “member” for “government seizure losses and expenses” arising out of a single or series of related “governmental seizure events”.
Subject to paragraph 2. above, the Coverage B limit shown in the Declarations is the most we will reimburse you for “loss” to a “member” for “expediting expenses” arising out of a single, or series of related “survival events”.
Subject to paragraph 2. above, the Coverage C limit shown in the Declarations is the most we will reimburse you for “loss” to a “member” for “injunctive relief loss”.
Subject to paragraph 2. above, the Coverage D limit shown in the Declarations is the most we will reimburse you for “loss” to a “member” for “self-defense incident expenses” as a result of a “self-defense incident”.
The Limits of Insurance of this policy apply to all obligations we have under this policy irrespective of the length of time the policy is in force. The limits are not reinstated annually for a policy issued for multiples of one year, or for any policy issued for a term greater than twelve months. Should this policy be extended for any reason after it is issued, the Limits of Insurance shown in the Declarations apply to the entire period the policy remains in force. Limits of insurance are not reinstated, augmented, increased or decreased, in any way, due to changes in the “policy period” shown in the Declarations.
If multiple coverages apply to the same event which has caused a “member” to incur “loss”, linking multiple “covered contingencies” to a single or series of related proximate causes, the maximum limit of insurance available to reimburse loss to a “member” shall not exceed the highest applicable Limit of Insurance available under any one Coverage.
Deductible

You will be responsible for documenting amounts you have paid, or arranging to pay, to “members” that are covered by this policy. This policy has two deductible levels, an initial deductible amount and the maintenance deductible amount. The initial deductible amount and the maintenance deductible amounts are expressed as a percentage of the loss to which this insurance applies. The aggregate deductible amount is a dollar limit value.

Initial Deductible Amount

The Initial Deductible Amount is 50% of the amount you pay to a “member” for “loss” to which this insurance applies. This Initial Deductible Amount applies to each and every “loss” paid to a “member” until the full Initial Deductible Aggregate amount is paid. You must keep records of all amounts you pay to members and allow us access to audit those records. The initial deductible amount aggregate is $200,000. After you have paid the entirety of the $200,000 initial deductible amount aggregate the maintenance deductible will apply. Amounts that you pay to members that are not covered by this insurance do not erode the initial deductible amount aggregate.

Maintenance Deductible Amount

The Maintenance Deductible Amount is 10% of all amounts paid to a “member” to which this insurance applies.

Aggregate Deductible Amount

The aggregate deductible amount you must retain of all losses to which this insurance applies is $300,000. Payments made to “members” as an accommodation or other ex gratia payments do not reduce the Aggregate Deductible Amount. Only payments made for Initial Deductible Amounts and Maintenance Deductible Amounts reduce the Aggregate Deductible Amount.

SECTION V- REPORTING AND PAYMENT OF PREMIUM AND CLAIMS

Reporting requirement

It is a condition precedent to coverage under this policy that the “insured” must report timely and accurately to us each month. Two reports are to be rendered by the seventh (7^th) business day following the month that is subject of the report. These reports may be combined in a format acceptable to you and us. We will not unreasonably withhold our consent. We do wish to have an automated report in a comma separated values format. The reports will include premium information and claims information.

The premium information report must include:

The number of members in total by state as of the last day of the reporting month; and
The number of new members; and
The number of members retired or otherwise ending their membership that month; and
The calculation of the premium due to us per paragraph Payment Calculation below.

The claims information report must include all claims paid or received by you. The report shall include for each claim:

The name, address, and working phone number for the “primary member” for which a claim has been paid or is being submitted for payment; and
The date of the “covered contingency” giving rise to such claim; and
The date from which the “primary member” has maintained un-interrupted membership in the Patriot Protector Association; and
If seeking reimbursement or any action by us under the terms of this policy details or the facts surrounding the claim including details of “loss” incurred by a “primary member” that are known at the time of the report.
Payment Calculation

The premium for this policy is based on the total number of members as of the last day of the month. The rate for each “member” is $8.00 U.S. per month per “member” plus the Colorado surplus lines tax.

Right To Audit Books And Records, Duty To Maintain Records

We have the right to audit books and records that are applicable to this insurance at any time during the “term” of this policy and up to three years after it is terminated. By accepting this policy you agree to allow reasonable access and maintain records in a form and format that allow for auditing.

SECTION VI – CONDITIONS

Dispute Resolution

In the event of any controversy or claim arising out of or relating to this agreement, or a breach thereof, the parties hereto shall first attempt to settle the dispute by private mediation.

If settlement is not reached within sixty days after service of a written demand for mediation, any unresolved controversy or claim shall be settled by binding arbitration. An arbitrator, who is a member of The Ohio Academy of Mediators & Arbitrators, will be agreed to by the parties. If no agreement can be reached, The Ohio Academy of Mediators & Arbitrators will appoint a retired Judge or Justice. The matter shall be submitted on letter briefs to the arbitrator. Ohio law shall apply. The cost of mediation can be resolved as part of that mediation. If the parties submit to arbitration, costs of arbitration shall be a subject of the arbitration judgment. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

Prohibition of Class and Representative Actions and Non-Individualized Relief

You and we agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and we agree otherwise, the arbitrator may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative, or class proceeding. Also, the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s).

Governing Law and Venue

Notwithstanding the parties’ binding agreement to arbitrate all disputes, the parties agree that all provisional remedies in aid of arbitration shall be brought only in the State of Ohio. Agreement has been executed in and shall be governed by the laws of the State of Ohio, without giving effect to the choice of laws or conflict of laws or rules thereof or of any state.

CHANGES

This policy contains all agreements between you and us concerning the insurance afforded. The “insured” shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy’s terms can be amended or waived only by endorsement issued by us and made a part of this policy.

DUTIES IN THE EVENT OF A CLAIM
You must notify us of a “covered contingency” that may give rise to a claim as soon as practicable, but in no event outside the terms of Section V Reporting and Payment of Premium and Claims. To the extent possible, notice should include:
1. How, when and where the “covered contingency” took place;
2. The names and addresses of the “member” that is making a claim and details of their “loss”.
If you receive a claim from a “member” you must:
1. Immediately record the specifics of the claim and the date received; and
2. Notify us as according to the terms of Section V.

You must see to it that we receive written notice of the claim as soon as practicable but in no event outside of the terms of Section V.

You must:
1. Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or a “suit”;
2. Authorize us to obtain records and other information;
3. Cooperate with us in the investigation or settlement of the claim or defense against the “suit”; and
4. Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable because of “loss” to which this insurance may also apply.
If you voluntarily make a payment, assume any obligation, or incur any expense without our consent, and such payment is not covered by this policy such ex gratia payments are not covered by this policy, do not reduce your initial deductible amount aggregate, nor do they reduce the aggregate limit of liability under this policy.
You must cooperate with us in the investigation, defense, and settlement of any “covered contingency”. You agree that your failure to cooperate with us will void your coverage under this policy for such “covered contingency”.
FRAUD

Any false or fraudulent action or statement by the “insured” in respect of any claim for “loss” or damage under this policy shall automatically void all coverage provided herein.

INTEGRATION AND AMENDMENTS

This policy contains the entire understanding between the parties hereto concerning the subject matter contained herein. There are no representations, agreements, arrangements, or understandings, oral or written, between or among the parties hereto relating to the subject matter of this policy that are not fully expressed herein. No prior or contemporaneous oral or written language may be introduced to contradict, amend, or enlarge any provision of this policy.

LEGAL ACTION

You do not have the right to sue us or bring legal action against us unless you have fully complied with the terms and conditions of this policy.

NOTICE

All notices, demands and requests required or permitted to be given by the “insured” under this Policy shall be in writing and shall be personally delivered, sent by facsimile machine, registered or certified mail, return receipt requested or sent by an overnight express courier service that provides written confirmation of delivery.

Notices shall be directed to the address indicated below, or such other address as indicated from time to time.

Claims Department

Patriot Protector Association

[email protected]

1815 Central Park Dr, #358

Steamboat Springs, CO 80477

Fax: 970-692-8313

Phone: 970-367-7624

PREMIUMS

The “insured” shown in the Declarations:

Is responsible for the payment of all premiums; and
Will be the payee for any return premiums we pay.

All premiums are fully earned upon inception of this Policy.

TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US

If you have rights to recover all or part of any payment we have made under this policy those rights are transferred to us. You must do nothing after a “covered contingency” to impair them. At our request you agree that you will bring “suit” or transfer those rights to us and help us enforce them.

SEVERABILITY

If any portion of this policy is found to be invalid or unenforceable by a court of competent jurisdiction, that finding shall not invalidate any other terms of this policy, and those terms shall remain in full force and effect.

WAIVERS

The failure of either Party to take action as a result of a breach of this policy by the other Party shall constitute neither a waiver of the particular breach involved nor a waiver of either Party’s right to enforce any provision of this policy through any remedy granted by Applicable Laws or this policy.

Patriot Protector Association

Benefit Reimbursement Coverage Form

Declarations

Policy No: Effective Date:

12:01 A.M. Standard Time

NAMED INSURED:

LIMITS OF INSURANCE:

Policy Aggregate Limit $ 2,000,000

Per Member Limit $ 500,000

Coverage A – Government Seizure and Eminent Domain $ 250,000

Coverage B – Survival Event Expediting Expenses $ 250,000

Coverage C – Injunctive Relief Legal Expense and Loss of Income

$ 250,000

Coverage D – Self-Defense Incident Expense $ 250,000

If any Coverage Form, Coverage Part or policy issued to you by us or any company affiliated with us apply to the same claim for damages, the maximum Limit of Insurance for Liability Coverage under all the Coverage Forms, Coverage Parts or policies shall not exceed the highest applicable Limit of Insurance available under any one Coverage Form, Coverage Part or policy. This provision would not apply to any Coverage Part, Coverage Form or policy issued by us or an affiliated company specifically to apply as excess insurance over this policy.

RETROACTIVE DATE: October 1, 2017

DEDUCTIBLE: See Section – IV Limits of Insurance and Deductible

Premium:

FORMS AND ENDORSEMENTS (other than applicable Forms and Endorsements shown elsewhere in the policy):

Forms and Endorsements applying to this Coverage Part and made part of this policy at time of issue:

THESE DECLARATIONS ARE PART OF THE POLICY DECLARATIONS CONTAINING THE