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,....". ~ c ,-.... w SPECIAL NOTE REGARDING ADDITIONAL INSUREDS General Liability coverage provided to a named insured (you) by an insurer could be modified to extend to other parties. These other parties are commonly referred to as additional insureds. Modifications (endorsements) to the named insured's policy could be used to provide similar benefits enjoyed by the named insured to the additional insured. Because of changes to these endorsements, the additional insured may no longer enjoy the same benefits. Under these new endorsements, liability that is based on the sole negligence of the additional insured may no longer be covered. The State of Florida's Office of Insurance Regulation approved changes to these policy endorsements effective July 1, 2004. The absence of insurance coverage and the agreement to contractual terms may not free you of the responsibility to pay on behalf of the additional insured liability arising out of their sole negligence. Florida law allows you to assume liability on behalf of another party by way of a contractual agreement. In fact, the law allows you to assume the liability for suits that may be the result of the sole negligence of the other party in the contract. In other words, contractually you would be accepting and paying for claims that may arise from situations that are not even your fault. While we are not necessarily aware of the individual contracts you may have entered into, we feel it is our duty to notify you that there is a possibility you could have a claim that is not covered by insurance. Our recommendation to you would be to have your contracts reviewed by your attorney to determine if you have assumed such liability and what your legal options are. Brown & Brown of Florida - Miami Division 22 Proposal No. 11-08-0 I