Markel American Insurance Company - Florida …

1 MJIL 1000 06 10 Page 1 of 1 A STOCK Company Markel American Insurance Company 4521 Highwoods Parkway Glen Allen, Virginia 23060 (800) 431-1270 Insurance POLICY Coverage afforded by this policy is provided by the Company (Insurer) and named in the Declarations. In Witness Whereof, the Company (insurer) has caused this policy to be executed and attested and countersigned by a duly authorized representative of the Company (insurer) identified in the Declarations.

2 Secretary President011-1091 (1/06) Markel MARINE COMMON POLICY DECLARATIONS Insurance Coverage is provided by the Company designated by (X): ESSEX Insurance Company Markel American Insurance Company Markel Insurance Company PREVIOUS POLICY NUMBER: N/A POLICY NUMBER: 9CD5058-0 NAMED INSURED: Florida Scholastic Rowing Association MAILING ADDRESS: c/o Mike Moseley, Treasurer PO Box 10321 Tampa, FL 33679 POLICY PERIOD: 05/05/2015 - 05/05/2016 At 12:01 Standard Time at your mailing address shown above (unless noted otherwise in the policy form) THIS POLICY CONSISTS OF THE COVERAGE PARTS FOR WHICH PREMIUM IS INDICATED BELOW. THE ANNUAL MINIMUM EARNED PREMIUM IS 25% OF THE COVERAGE TOTAL PREMIUM AND MAY BE SUBJECT TO AUDIT AND ADJUSTMENT.

3 Liability and Protection and Indemnity Premium: $3,505 Coverage Total: $3,505 Taxes and Fees Policy Total: $3,505 Forms and Endorsements: MPIL 1007 03 14, MPOM 2001 01 14, MEOM 2300 01 14, MJIL MAIC 1000 06 10, IL 00 17 11 98, MEOM 2200 06 14, 011-1091 (1/06), OM-1061-3 (1/06), OM-PandI-VS (1/06), OM-048A (1/06), OM-SP38A (01/08), OM-GE (2/97), CG 2002 11 85, MEIL 1211 (06/10), ME-030 (4/99), OM-MOLL (1/02), OM-MOLLPI (1/02), 011-2173 (01/08), CG0001 (01/96), OM-HIRED AND NON-OWNED (6/08) Agency Name & Address: Bruce V. Schneider Associates 45 Middle Country Road Middle Island, NY 11953 Agency Number: 06530 In return for the payment of premium and subject to these declarations and all the terms of this policy including its warranties and endorsements, we agree to provide the Insurance as stated 3 (1/06) LIABILITIES COVERAGE PART SUPPLEMENTAL DECLARATIONS These Supplemental Declarations form a part of policy number: 9CD5058-0 LIMITS OF Insurance General Aggregate Limit (other than Products - Completed Operations) $5,000,000 Products - Completed Operations Aggregate Limit $5,000,000 Personal and Advertising Injury Limit $5,000,000 Each Occurrence Limit $5,000,000 Sublimit - Hired and Non-Owned Automobile Liability.

4 $1,000,000 Sublimit - Fire Damage Limit $100,000 Any one fire Medical Expense Limit $10,000 Any one person BUSINESS DESCRIPTION AND LOCATION OF PREMISES COVERED BY THIS POLICY Form of Business: Individual Joint Venture Partnership Organization (other than Partnership or Joint Venture) Location of all premises you own, rent, or occupy: PREMIUM DESCRIPTION OF HAZARDS/ INSURED CLASSIFICATION(S) CODE NO. PREMIUM BASIS RATE ADVANCE PREMIUM Rowing Club including Protection and Indemnity on Scheduled Vessels 11138 Flat Charge Flat Charge $500 Regatta Liability Flat Charge Flat Charge $4,800 Hired and Non-Owned Automobile Liability Flat Charge Flat Charge $130 Blanket Additional Insured(s) Flat Charge Flat Charge Included Increased Limits of Liability Flat Charge Flat Charge $1400 Total Advance Premium $3,505 (M&D) FORMS AND ENDORSEMENTS (other than applicable forms and endorsements shown in the Common Policy Declarations and elsewhere in the policy).

5 MPIL 1007 03 14, MPOM 2001 01 14, MEOM 2300 01 14, MJIL MAIC 1000 06 10, IL 00 17 11 98, MEOM 2200 06 14, 011-1091 (1/06), OM-1061-3 (1/06), OM-PandI-VS (1/06), OM-048A (1/06), OM-SP38A (01/08), OM-GE (2/97), CG 2002 11 85, MEIL 1211 (06/10), ME-030 (4/99), OM-MOLL (1/02), OM-MOLLPI (1/02), 011-2173 (01/08), CG0001 (01/96), OM-HIRED AND NON-OWNED (6/08) THESE DECLARATIONS ARE PART OF THE POLICY DECLARATIONS CONTAINING THE NAME OF THE INSURED AND THE POLICY PERIOD OM-PandI-VS (1/06) PROTECTION AND INDEMNITY VESSEL SCHEDULE This Coverage Part Vessel Schedule forms a part of policy number 9CD5058-0 VESSEL SCHEDULE NO. VESSEL DESCRIPTION COVERAGE FORM SEE ATTACHED SCHEDULE VESSEL PROTECTION AND INDEMNITY OM-SP38A NAVIGATION WARRANTY VESSEL NO. NAVIGATION WARRANTY ALL Protected waters of USA and Canada including transit within USA and Canada ADDITIONAL TERMS AND CONDITIONS - APPLICABLE ONLY WHEN ENTRIES ARE MADE IN THE SCHEDULE BELOW.

6 VESSEL NO. ADDITIONAL TERMS AND CONDITIONS ALL N/A ADDITIONAL WARRANTIES - APPLICABLE ONLY WHEN ENTRIES ARE MADE IN THE SCHEDULE BELOW. VESSEL NO. ADDITIONAL WARRANTIES ALL N/A MPOM 2001 01 14 Includes copyrighted material of Insurance Services Office, Inc., with its permission. OCEAN MARINE NOTICE TO POLICYHOLDERS POTENTIAL RESTRICTIONS OF terrorism COVERAGE This Notice has been prepared in conjunction with the POTENTIAL implementation of changes related to coverage of terrorism under all Liability and/or Protection & Indemnity Coverage Parts included in your Ocean Marine policy. The terrorism Risk Insurance Act established a program ( terrorism Risk Insurance Program) within the Department of the Treasury, under which the federal government shares, with the Insurance industry, the risk of loss from future terrorist attacks.

7 That Program is subject to a termination date of December 31, 2014 unless extended by the federal government. If the federal Program terminates, or is extended with certain changes prior to or during the term of your policy, then the treatment of terrorism under your policy will change. This Notice is being provided to you for the purpose of summarizing potential impact on your coverage. The summary is a brief synopsis of significant exclusionary provisions and limitations. This Notice does not form a part of your Insurance contract. The Notice is designed to alert you to coverage restrictions and to other provisions in certain terrorism endorsement(s) in this policy. If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) apply.

8 Carefully read your policy, including the endorsements attached to your policy. YOUR POLICY DURING TENURE OF THE terrorism RISK Insurance PROGRAM AS THAT PROGRAM EXISTS PURSUANT TO THE terrorism RISK Insurance PROGRAM REAUTHORIZATION ACT OF 2007: This policy may or may not contain a terrorism exclusion. If a Cap On Losses From Certified Acts Of terrorism endorsement is attached to your policy, coverage for "certified acts of terrorism " (which is more fully defined in the endorsement) is subject to a limit on our liability pursuant to the federal terrorism Risk Insurance Act. If an Exclusion Of Certified Acts Of terrorism exclusion is attached to your policy, coverage for "certified acts of terrorism ", which is more fully defined in the endorsement, is excluded.

9 Regardless of which, if any, of the above referenced endorsements are attached to your policy, the absence of a terrorism exclusion does not create coverage for any loss that would otherwise be excluded under the policy, such as losses excluded by the nuclear hazard or war exclusions. POTENTIAL CHANGE TO YOUR POLICY: Endorsement MEOM 2300 is attached to your policy. The provisions of this endorsement become applicable to your policy only if certain events (one or more of them) occur. Those events include the following: If the federal terrorism Risk Insurance Program (TRIP) terminates with respect to the type of Insurance provided under this policy. (TRIP is/was scheduled to terminate at the end of December 31, 2014 unless extended by the federal government.)

10 ; or If TRIP is extended with changes that redefine terrorism , and we are not required to make such revised coverage available to you; or If TRIP is extended with changes that make Insurance coverage for terrorism subject to provisions or requirements that differ from those that apply to other events or occurrences under this policy, and we are not required to make such revised coverage available to you; or If TRIP is extended with changes that increase insurers' statutory percentage deductible under TRIP for terrorism losses, or decrease the federal government's statutory percentage share in potential terrorism losses, and we are not MPOM 2001 01 14 Includes copyrighted material of Insurance Services Office, Inc.