Section 4.20 of the Disclosure Schedule contains an accurate and complete description of all current policies of fire, general liability, theft, life, workers’ compensation, health, partners, and other forms of insurance owned or held by Seller relating to the Business or the Transferred Assets, specifying the insurer (including an indication of whether the coverage was on a claims made, occurrence or other basis) and amount (including a description of how deductibles and ceilings are calculated and operate and the portion of the coverage and the deductible that has been consumed) of coverage, type of insurance, policy number and any pending claims thereunder. All such policies are in full force and effect and all premiums with respect thereto are currently paid and none are due or delinquent, are sufficient for compliance with all requirements of law and of all agreements to which Seller is a party, are valid, outstanding and enforceable policies and will not in any way be adversely affected by, or terminate or lapse by reason of, the transactions contemplated by this Agreement. Seller has delivered to Buyer a complete and accurate list of all open, pending and outstanding claims history (and threats of claims) of Seller for bodily injury, workers’ compensation benefits, contractual liability, personal injury, property damage, loss, breach of contract or bad faith for the last three years, whether or not such claims are covered by insurance and whether or not Seller has received a reservation of rights by any insurers. Section 4.20 of the Disclosure Schedule set forth an accurate and complete list for the past three (3) years of all reservations of rights by insurers, deductibles, self-insured retentions, retrospective rating plans and dividend plans.