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<br />SPECIAL NOTE REGARDING ADDITIONAL INSUREDS <br />General Liability coverage provided to a named insured (you) by an insurer could be modified to <br />extend to other parties. These other parties are commonly referred to as additional insureds. <br />Modifications (endorsements) to the named insured's policy could be used to provide similar <br />benefits enjoyed by the named insured to the additional insured. Because of changes to these <br />endorsements, the additional insured may no longer enjoy the same benefits. Under these new <br />endorsements, liability that is based on the sole negligence of the additional insured may no <br />longer be covered. The State of Florida's Office of Insurance Regulation approved changes to <br />these policy endorsements effective July 1, 2004. <br /> <br />The absence of insurance coverage and the agreement to contractual terms may not free you of <br />the responsibility to pay on behalf of the additional insured liability arising out of their sole <br />negligence. <br /> <br />Florida law allows you to assume liability on behalf of another party by way of a <br />contractual agreement. In fact, the law allows you to assume the liability for suits that <br />may be the result of the sole negligence of the other party in the contract. In other <br />words, contractually you would be accepting and paying for claims that may arise from <br />situations that are not even your fault. <br /> <br />While we are not necessarily aware of the individual contracts you may have entered <br />into, we feel it is our duty to notify you that there is a possibility you could have a claim <br />that is not covered by insurance. Our recommendation to you would be to have your <br />contracts reviewed by your attorney to determine if you have assumed such liability and <br />what your legal options are. <br /> <br />( <br /> <br />II <br />