Company Schedule 3.13 hereto sets forth a complete and correct list of all first-party and third-party insurance policies (including, but not limited to, fire, liability, product liability, workers’ compensation and vehicular) presently in effect that relate to the Company or any of its Properties, including the annual premiums with respect thereto, all of which have been in full force and effect from and after the date(s) set forth in Company Schedule 3.13 and full and complete copies of all policies (including all endorsements) have been made available to the Buyer. Such policies are in amounts that constitute compliance by the Company with all applicable Legal Requirements and all Material Contracts. Since January 1, 2016, none of the insurance carriers has indicated to the Company in writing an intention to cancel any such policies or to materially increase any insurance premiums (including, but not limited to, workers’ compensation premiums), or that any insurance required to be listed in Company Schedule 3.13 will not be available in the future on substantially the same terms as currently in effect. The Company has no claim pending, noticed or anticipated against any of its insurance carriers (or against any third parties’ insurance carrier with respect to the Company’s status as a beneficiary or additional insured) for failure to pay claims under any of such policies and, to the Knowledge of the Company, there has been no actual or alleged occurrence or wrongful act of any kind which could reasonably be expected to give rise to any such claim.