Annotate this Case. This endorsement is a part of the policy. Except for the changes it makes, all other terms of the policy remain the same and apply to this endorsement. An endorsement may affect insurance premiums, and premiums may change as a result. I noticed that under endorsements it says "EXCESS COVERAGE FOR PERSONAL VEHICLE SHARING" and dove a little deeper into the paperwork. Allstate earned 88 out of 100 for their overall customer service, based on MoneyGeek’s internal rankings. Inflation. is amended. It can also provide liability coverage if someone hurts themselves at your home or you cause property damage. change in value of damaged property directly due to the loss; c. It's unclear if 6015j is also still included. Commercial insurance endorsements is a common phrase used by insurance service providers, brokers, and lawyers but is vastly unknown to business owners. Significado de "amendatory" no dicionário inglês . What does endorsement mean on an insurance policy? An endorsement, also known as a rider, adds, deletes, excludes. Forms, Options and Endorsements: Forms, Options and Endorsements: CMP-4100 Businessowners Coverage Form. Homeowners insurance is a type of insurance that will provide coverage for your home and other personal property in the case of a covered loss. If the unexpected happens, homeowners insurance may help provide some key coverages. Because the goal of "minimum compensation" in the uninsured coverage context is met, State Farm's exclusion is valid under Iowa law. WC 00 01 02B. CREDITOR- CAPITAL ONE AUTO FINANCE, ATTN: INSURANCE DEPT PO BOX 390907, MINNEAPOLIS MN 55439-0907. R. 3d 875 (Mo. State Farm County Mutual Insurance Company of Texas. Why you need insurance for your personal articles. You get personalized service from any one of our 19,000 agents nationwide. AT YOUR REQUEST, A VEHICLE TO WHICH THIS ENDORSEMENT APPLIES DOES NOT QUALIFY AS A YOUR CARIN THE COVERAGES REPRESENTED BY THE COVERAGE SYMBOLS LISTED FOLLOWING. h. View HO 06 52. This endorsement will not apply to your policy for any policy periods effective June 1, 2017 or after. , Bernadette Mayers, Np, Cavallaro Medical. If all named owners and contingent owners. Clause VII. C. An EPAE may also provide increased protection for items such as computer equipment, that may have lower coverage limits in a standard policy. 2d 727, 729 (Va. Wesser argues the loss-payable endorsement is ambiguous. v. Under Definitions, "bodily injury" is deleted and replaced by: "Bodily injury" means bodily harm to a person and includes sickness, disease, or death. The Amendatory Endorsement changes the UM coverage section's additional definition of "uninsured motor vehicle" by eliminating the second exclusion, but it retains the "designed for use primarily off public roads except while on public roads" exclusion identified above. Of the definition of . 6128CP AMENDATORY ENDORSEMENT. PART 7. you. Amendatory endorsements may also be added by the insurance company (at no extra cost) to clarify policy terms and language. 79%. com A car insurance endorsement — or rider — is a modification or addition to your insurance policy that alters your coverage to more specifically meet your needs. HO 32 48, Home-sharing Host Activities Amendatory Endorsement ± North Carolina (For Use With HO 00 05 ) 5. 6925RA AMENDATORY ENDORSEMENT (Recreational Vehicle) This endorsement is a part of the policy. Edit: In addition you have Option ID which adds additional replacement cost on your dwelling structure (often referred to as Guaranteed Replacement Cost by many carriers). 00 debris removal orWhat sets State Farm® Boat Insurance apart. the regular or frequent use of: you. except for residence employees and insured farm employees (when endorsement HO 24 73 is attached). COMMERCIAL VEHICLE” and “6018GG. Schedule: $1,600 to $12,000. AMENDATORY ENDORSEMENT This endorsement is a part of your policy. Paragraphs (a) and (b) of subsection (1) of. Your initial policy may cover standard damages, like replacing your roof. or by an organization that has entered into an agreement. WHO-503 Farm Personal Property View WHO-503 ML-30 Fire Department Service Charge:. State Farm Lloyds X Texas Farmers Insurance Company X Allstate Texas Lloyds X United Services Automobile Association X. (PDF) H4-2119 (PDF) H6-2119 (PDF) HO-2264. v. by email at cruppel@mdinsurance. (New)Denotes change. state separately the actual cash value, replacement cost, and if applicable, the market value of each item in dispute. DEFINITIONS A. 2. IRA Rollover/Transfer Form. are a member, em-ployee. In other words, you can claim up to $5,000 if your golf cart is stolen or damaged. Canine Liability Exclusion: A homeowners policy endorsement that prevents the insurer from being liable for injuries or property damage caused by a canine owned by the insured. 6128cp amendatory endorsement. Insured. Water backup is an endorsement on your homeowners insurance policy that covers damages caused by water backing up into your home. The following new endorsements have been introduced for use in North Carolina: • NC 03 33 06 21 Trust Endorsement - This endorsement provides coverage for vehicles held in trust. This language, while not required by statute, was clear and unambiguous. amendatory endorsement this endorsement changes your policy - please read it carefully fmho 2493 08 11 liberty mutual insurance group page 1 of 2 this endorsement supersedes all other endorsements which have been made part of your policy and reference these same provisions section i - property coverages coverage a - dwelling item 1. Adding an endorsement to your existing insurance contract usually means adding or modifying coverage. 2: Amendatory Endorsement – Nevada; 6128DR: Amendatory. the premium or price for other products or services purchased by . CA 04 21 11 20 – Full Safety Glass Coverage: Essentially, attachment of this endorsement removes deductibles for glass. Personal Automobile Insurance Consumer Bill of Rights. Today, a hotel can purchase a high quality EIL policy with a $1 million policy limit for $3,500. ¶7 In January 2016, State Farm mailed Thurston a copy of the declaration page for his 2015 Chevrolet K1500, and attached a copy thereof. PSAC8026GA (06/03) Page 2 of 2 3. PERSONAL AUTO . § 58-33-26 and 58-33-30 and who as a part of his. This includes coverage for the following:EXCEPTIONS AND ENDORSEMENTS Your policy consists of this declarations page, the policy booklet - form 9843A, and any endorsements that apply, including those issued to you with any subsequent renewal notice. Co. However, definitions added in this endorsement do not appear in bold print in yourpolicy. 0 amendatory endorsement - oklahoma ok ml0497 aais 08. FE-2340 AMENDATORY ENDORSEMENT DECLARATIONS CONTINUED . Pesquisar . AMENDATORY ENDORSEMENT . It must be signed at the closing table when all parties are present. Additional Definition . farm purpose or purchasing related services to specifically listed goods that are for use solely for a farm purpose. gov%PDF-1. This endorsement is a part of the policy. `the State Farm Companies. The written report of agreement will set the amount of the loss of each item in dispute and will be binding upon you and us. The following notice. New Form! HO 00 14: Homeowners 14 – Contents Comprehensive Form. Form PG3 required to be filed by any agent for a purchasing group and shown on Form PG1 or Form PG1R. if a premium is shown under the corresponding “Coverage Symbol” in the “POLICY PREMIUM” schedules on the Declarations; b. PART 5. definition. Usually, this type of backup comes from sewage lines, sump pumps, or drain lines getting clogged and the only way water can flow is “back up the direction it came from. you. FLORIDA AMENDATORY ENDORSEMENT In compliance with the insurance regulations of the State of Florida, the Policy is amended as follows. The following are examples of common exclusions for which endorsements are available:GEORGIA AMENDATORY ENDORSEMENT You and We agree: 1. State Farm General Ins. A cosmetic damage exclusion means the damage isn't covered if it affects only the appearance and not the function of the roof, windows or siding. Farm premises means the locations shown on the Declarations and when used to support farming. 05-03-2023. The State. AMENDATORY ENDORSEMENT NC 00 13 06 21 This endorsement is a part of your policy. 5/10. FE-5269. Complete columns quantity, age, condition and notes, if applicable for each item. Effective date of this endorsement: 12:01 a. A car insurance endorsement can change your coverage significantly. b. Allstate Fire and Casualty Insurance Company X Texas Farm Bureau Mutual Insurance Company X 1 This peril does not include loss caused by constant or repeated seepage or leakage of water or steam or the presence or. The following new definitions are added:An insurance endorsement/rider is an amendment to an existing insurance contract that changes the original policy’s terms. Cost will depend on the size of your business and your insurance company. Some insurance policies and state laws that govern insurance contract provisions vary on the exact details of the conditions under which coverage may be voided; these variations are usually denoted in state amendatory endorsements. Adding an endorsement to your existing insurance contract usually means adding or modifying coverage. Missouri amendatory endorsement; Fungi or bacteria exclusion endorsement; Missouri Property and Casualty Insurance Guaranty Association;Texas minimum insurance requirements are higher than some other states. Farm") upholding. judgment in favor of State Farm Mutual Automobile Insurance Company ("State. Except for the changes this endorsement makes, all other provisions of the policy remain the same and apply to this endorsement. You may not live there, but the rental property you own is a big investment. WC 00 01 01A. Get a free quote now. at 237-39. Remediation means to treat, contain, remove or dispose of mold, fungi or other microbes beyond that which is required to repair or replace the covered property physically damaged by water. Loss of Rents, Loss of Income and Extra. These amendatory endorsements are . 's Reply (#19) at 5 (emphasis. number date title state----- sample declarations. 22 amendatory endorsement - oregon ml0138 aais 11. Rather, an antistacking provision limits the total coverage to that set forth in the single policy with the…The Policy includes an Amendatory Endorsement. IRA Distribution Request. PART 5. In the rules exhibit, we have used a format of striking -through deletions,. "You" may cancel this policy by: 1) returning the policy to "us"; or . Except for the changes this endorsement makes, all other. Between the late 1990s and early 2000s, the insurance industry changed the wording of home insurance policies to exclude mold coverage in response to increased mold damage claims associated with homeowners insurance water damage claims. AMENDATORY ENDORSEMENT NC 00 13 06 21 This endorsement is a part of your policy. b. If mobile is your thing, download the State Farm mobile app. Auto. 2 Loss of Income & Extra Expense CMP-4260. you. By Allstate. S. Amendatory Endorsement, FL 01 63 04 16State Farm, docket number 161001169 filed in Philadelphia County, PA, State Farm had denied access coverage to repair the broken drain line that was the cause of water damage to the Plaintiff’s bathroom. Here’s the average yearly cost of State Farm home insurance for five different levels of dwelling coverage: Dwelling coverage level. ENDORSEMENT Issued to: Policy Number: Endorsement number: (applicable when the endorsement is not issued with the Policy or takes effect after the effective date of the Policy) CALIFORNIA AMENDATORY ENDORSEMENT You and We agree: 1. D. 2d 242. A typical mobile home insurance policy is an HO-7 form. PLEASE READ IT CAREFULLY. After 12 years with the former Green Bay Packers quarterback, State Farm has not renewed its endorsement deal with quarterback Aaron Rodgers, who is now with the New York Jets. b. , Referred to in this endorsement as either the “Insurer” or the “Underwriters” MISSISSIPPI AMENDATORY ENDORSEMENT TO FIDUCIARY LIABILITY CLAUSE . An insurance policy endorsement is a change document that is added to existing insurance policies. Schedule: $1,600 to $12,000. Extended replacement cost of 150%. By its terms, the definition of “contamination” in the Louisiana Amendatory Endorsement does not apply to claims arising in Washington. 5. Please contact your Agency Marketing Manager with any questions. This coverage automatically increases the amount of condominium unitowners insurance coverage on your building property and personal property as inflation changes the cost of replacing your property. DEFINITIONSA homeowners insurance policy endorsement expands on the standard homeowners coverage by adding to or modifying the insurance policy. Endorsement Number Policy Symbol Policy Number Policy Period to Effective Date of Endorsement Issued By (Name of Insurance Company) Insert the policy number. In some cases, uninsured motorist coverage for damage to. v. Whether you rent an apartment, a house or a condo unit, you have some of the same insurance needs as a homeowner. above. “Home-sharing host activities” means: a. 56-5274: Protector Plus Home Owners’ Package Policy. This endorsement also deletes exclusion 2. at 232-35. The policy forms and endorsements displayed on this page are the most current available to the Missouri Department of Insurance, Financial Institutions & Professional Registration (DIFP). An insurance endorsement is an amendment to a property and casualty insurance policy. This language, while not required by statute, was clear and unambiguous. the policy booklet version shown on that Declarations Page; and State Farm Companies, subject to their applicable eligibility rules; or . The endorsement said that the definition of a "non-owned car" was changed to read "a car not owned by or registered or leased inState Farm Compa-nies. 0 amendatory endorsement - pennsylvania pa cl5999 aais 08. and that 15 – OPINION AND ORDER Exclusion 2. What is amendatory endorsement? a document added to an insurance policy that may be requested by you or the insurer to limit or add to the coverage, or to. The listing is by form number and title. The definition of "newly acquired auto" is amended as follows: "Newly acquired auto" means any of the following types of vehicles you bcome. Personal articles coverage may offer broader coverage than your existing homeowners policy, helping ensure you can repair or replace those items you value (and even those. Bloomington, IL. The only other changes are editorial, and they make Rules 55 and 71 consistent with each other, as well as making the endorsements and policy forms more consistent with each other. . ml0424 aais 07. Under CONDITIONS. First, State Farm satisfied section 627. 8. Summary. 2. HO 32 4 , Home-sharing Host Activities Amendatory. STATE CORPORATION COMMISSION BUREAU OF INSURANCE AT RICHMOND, AUGUST 19, 2002. We will pay those sums that the "insured" becomes legally obligated to pay as damages for physical injury to crops or animals if: (1) The injury was caused by discharge, dispersal, release or escape into the air,State Farm™ Introduces Transportation Network Company Driver Coverage in 14 Additional States and D. Co. This endorsement modifies insurance provided under the following: 1. The appraisers will state separately the actual cash value and the amount of loss. au1007 01-20 commandeered auto definition endorsement au1009 01-20 incidental garage operations au1017 01-20 auto physical damage extension endorseme. GENERAL TERMS a. the premium or price for other products or services purchased by . Find a local rep. A “newly acquired auto”. This new endorsement covers both customer-owned autos and watercraft. It’s important to have enough coverage to account for unforeseen circumstances. 1 Amendatory Endorsement-Ca CMP-4261 Amendatory Endorsement Coverages: Business Liability $3,000,000 Medical Payments $5,000. 15-4123 (JBS/AMD), see flags on bad law, and search Casetext’s comprehensive legal database. 1. An insurance endorsement, also called a rider, is a change to your insurance policy that impacts your coverage. Based on this definition, recoverable depreciation is the portion of the depreciated amount that you can get back or "recover" from your insurance company when you make a claim on a policy with replacement cost coverage. Contact Godfrey State Farm Agent Eric Schrumpf at (618) 433-9091 for life, home, car insurance and more. All other terms, conditions, and exclusions remain unchanged. and must be attached to the corresponding base policy form. 2 Windstorm or Hail Deductible Endorsement KS RDP FE -5269. State Farm Companies, subject to their applicable eligibili-ty rules; or . This definition also excepts automobiles maintained in dead storage on the farm premises. Anything that isn’t permanently attached to your home or your property is most likely considered personal property. 1. «Amendatory» Meaning of amendatory in the English dictionary with examples of use. R. Mobile home form: HO-7. Insurance companies frequently make changes to their policies. d/b/a Get Ready Medical Supply, Apex Medical P. 5. " According to a claim superintendent, State Farm issued the policy to LaRoque in June 1988 with Amendatory Endorsement 6025J, effective July 7, 1988. You may be able to. $500 01/01/2022 01/01/2023 $19,800. 977. The following definitions are added: 1. CMP-4237 Page 1 of 5 CMP-4237 AMENDATORY ENDORSEMENT SAMPLE - CHOA Online. The following language is added to the end of the ENDORSEMENT SECTION of your Automobile Insurance Policy form CU-1188(4/16): DELIVERY NETWORK DRIVER. It's a form that becomes part of your insurance policy, altering your policy coverage. W. c. Designation or Change of Beneficiary Request – IRA. Traditional and Roth IRA Account Application. 6925a amendatory endorsement. No two homes (or homeowners) are alike. The following definitions are added: 1. The Court concludes on this record that the Amendatory Endorsement relates only to Exclusion 2. Call 800-SF-Claim (800-732-5246)Contractor’s General Liability – 11 Common Coverage Limitation Endorsements. ”e State Farm argues the relevant language excludes interest on the loss until after the loss becomes payable. For instance, if you choose to purchase an optional coverage to broaden your insurance protection, it may be called an endorsement. Loss assessment coverage can help prevent a condo owner from paying out of pocket if their condo association issues a special assessment for expenses related to an insurance claim outside the walls of their unit. Likes: 42. D. Except for the changes it makes, all other terms of the poicy remain the l same and apply to this endorsement. 1 of 6128AC Amendatory. State Farm Indemnity Company. So, just like you protect your own home with the right insurance coverage, you want to do the same for your rental. FE-2341 AMENDATORY ENDORSEMENT — RENTERS POLICY DECLARATIONS CONTINUED The following is added: When you request changes to this policy, or the infor-mation or factors used to calculate the premium for this policy changes during the policy period, we may adjust the premium in accordance with the change during theThis type of endorsement increases your premium to add protection for your golf cart. State Farm ® Recreational Vehicle. A motorcycle. Amendatory Endorsement 6128AP stated in relevant part:¶21 State Farm expressly provided in Amendatory Endorsement 6128AP that it would not allow stacking. The termination of your coverage will be effective whether or not you have been paid the refund. or by an organization that has entered into an agreement. However, definitions added in this endorsement do not appear in bold print in your policy. An amendatory endorsement (loss-payable endorsement) to Wesser's policy provides that a "[l]oss will be payable five business days after [State Farm receives the insured's] proof of loss and: (a) reach[es] an agreement with [the insured]; (b) there is an entry of a final judgment; or (c) there is a filing of an appraisal award with [State Farm. AMENDATORY ENDORSEMENT -TEXAS . the Farm Liability Coverage Form as Coverage M, as described and limited in 1. State Farm Mutual Automobile Insurance Co. Limit and Loss Settlement – Comprehensive Coverage and Collision Coverage (1) The following is added to section 1. Plaintiff asserts the Amendatory Endorsement "targets only the ‘exclusion’ for vehicles ‘furnished for the regular use’ of the insured but not the exception [on which she relies] to that exclusion. 1 A state amendatory typically is an endorsement that conforms the policy to minimum requirements set forth in state law. An EPAE may also provide increased protection for items such as computer equipment, that may have lower coverage limits in a standard policy. the premium or price for other products or services purchased by . 1 Windstorm or Hail Deductible Endorsement (Farm/Ranch & RDP) This endorsement is used to identify when there is a separate deductible. AMENDATORY ENDORSEMENT . In light of the foregoing, the district court did not err in dismissing HT’s statutory and common law bad-faith claims, which are all premised on the assertionThis endorsement changes. 436 ((2004),. “State Farm Companies” means one or more of the following: a. The Insurer has the right to negotiate the settlement of any Claim, as it. HW-2116 Homeowners policy. 1. Allstate Claim Satisfaction Guarantee Amendatory Endorsement - AP4955Claim Satisfaction Guarantee Premium Credit Eligibility RequirementsYou are eligible to receive a credit under the Claim Satisfaction Guarantee Premium Credit. State Farm argued that (1) Michelle was not an insured, (2) the Jimmy was not an insured vehicle, and (3) the facts of this case did not fit within the "non-owned car" endorsement. value of damaged property; b. In its pleadings, State Farm stated that it had denied coverage for Kent’s injuries based on the “mechanical device” exclusion in the commercial vehicle endorsement (Endorsement 6018GG. They will do the work for you and can greatly increase the value of your claim. NF-4 Verification of Hospital Treatment. A flood insurance policy normally takes 30 days from the date of purchase to go into effect. Individual or family cemetery plots or burial vaults of an "insured"; or h. Such claims will generally be paid by the insurer in two parts. 2 The "Free Trade Zone" filing exemption exempts an insurer from rate and form filing requirements with respect to certain risks that are of an unusual nature, that have a high loss hazard or that are difficult to place or. When I look at a State Farm policy, there is a page that has Forms, Options, and Endorsements and right below it, it shows. C. The followingis added: Actual Cash Valuemeans the least of the: a. The changes are based on the movement of an inflation index and are reflected in the premium on each renewal. Personal property protection: Higher coverage for the theft of certain types of belongings, such as jewelry, furs and tools, for which a regular homeowners policy may have lower specific limits. Consider insuring your home for at least 100% of estimated replacement cost. HO 32 45, Home-sharing Host Activities Amendatory Endorsement ± North Carolina (For Use With HO 00 04 ) 4. " According to a claim superintendent, State Farm issued the policy to LaRoque in June 1988 with Amendatory Endorsement 6025J, effective July 7, 1988. State Farm County Mutual Insurance Company of Texas. 1 Windstorm or Hail Deductible Endorsement CO,NM,OK,WY AR,CO,KS,NM OK,WY RDP FARM RANCH FARM RANCH FE-5313 Hurricane Deductible Endorsement NY RDP FE-5314. The: (1) Rental or holding for rental; or. Or, you might add an endorsement to your. ”. The purpose of this revision is to better protect insureds and insurers regarding assignment of benefits practices in North Carolina. ML- 7 4. 1. It does include any of the state amendatory or unique forms and does not include any of the terrorism endorsements. AMENDATORY ENDORSEMENT. Notwithstanding the definition of " insured" in Section 38-77-30, the insurer and any named insured must, by the terms of a written amendatory endorsement, the form of which has been approved by the director or his designee, agree that coverage under such a policy of liability insurance shall not apply while the motor vehicle is being operated. the ClaimSatisfaction Guarantee Amendatory Endorsement applied to your policy on the date of that covered loss; 4. Appraisal is deleted and replaced by the following: 6. ¶7 In January 2016, State Farm mailed Thurston a copy of the declaration page for his 2015 Chevrolet K1500, and attached a copy thereof. ”. You get the same reliable service from the largest auto insurance provider in the U. Pricing Information. Auto. 14(3)(a). Open Split View. Homeowners insurance is a type of insurance that will provide coverage for your home and other personal property in the case of a covered loss. CL 0160 02 16. The definitions added in this endorsement are in bold print. The following changes to your policy are effective on your first renewal on or after 12/1/2023. Except for the changes this endorsement makes, all other provisions of the policy remain the same and apply to this endorsement. ) Specifically, the Id. ENDORSEMENT Issued to: Policy Number: Endorsement number: (applicable when the endorsement is not issued with the Policy or takes effect after the effective date of the Policy) FLORIDA AMENDATORY ENDORSEMENT You and We agree: 1. You can have an endorsement/rider. AUSTIN, TEXAS. PART 7. is deleted and. A: Ride-sharing companies provide taxi-like services by connecting passengers to drivers via a smart phone app. cost to repair damaged property; orState. DEFINITIONS . The meaning of AMENDATORY is corrective. Plaintiff, however, contends the Amendatory Endorsement does not alter the exception on which she relies. For decades, mold has been a highly contentious issue in the home insurance industry. These proposed changes are to be effective 3/1/2022, and are being filed in all. 56-5536: Next Generation Home Owners’ Policy. the regular or frequent use of: you. Depending on the company you're with, there may be an option to increase that coverage. Sinônimos . federal and state laws and regula-tions. This endorsement modifies insurance provided under the following: SECUREXCESS. In Johnson v. endorsements by their Manual and State requirements. the ClaimSatisfaction Guarantee Amendatory Endorsement applied to your policy on the date of that covered loss; 4. "Amendatory Endorsement - New Jersey" [id. 56-5273: Broad Form Renters Package Policy. Page 1 of 5 -- PLEASE READ THIS CAREFULLY -- AMENDATORY ENDORSEMENT . The coverage provided is excess over any other insurance and applies only if the covered auto is within 25 miles of the United States border and for trips lasting less than 10 days. Section 3, Coverage H-Scheduled Farm Equipment and Section 3, Coverage K-Borrowed, Rented or Leased Farm Equipment insured under Peril Code 01. State Farm Companies, subject to their applicable eligibili-ty rules; or . The: (1) Rental or holding for rental; or. 9970. If your homeowners insurance policy does cover wind damage, a will usually apply. When I look at a State Farm policy, there is a page that has Forms, Options, and Endorsements and right below it, it shows. and . All other terms, conditions, and exclusions remain unchanged. of section 4. If your roof is over 15 years old, the reduction might be as high as 75% for a five-year-old roof. A. Very different from. The expanded eligibility standard for personal auto coverage for certain utility vehicles is 25,000 pounds or less. This endorsement is a part of the Policy and takes effect on the effective date indicated below. State Farm Mutual Automobile Insurance Company and State Farm Fire and Casualty Company recently received approval from the Florida Office of Insurance Regulation (“OIR”) for its form filings as listed below. An insurance endorsement, also known as an insurance rider, is a legally binding change to an insurance policy. (Doc. Estes is explicitly excluded from the definition of resident relative because he was one of the named insureds in the policies.