Loading...
HomeMy WebLinkAboutPW10-229 - Original - G.B. McCaughan & Associates - ROW Acquisition S 228th Street - 8/26/10 � y T Records M-lanetA gerneimm KEN W nSNinGTON Document CONTRACT COVER SHEET This is to be completed by the Contract Manager prior to submission to City Clerks Office. All portions are to be completed. If you have questions, please contact City Clerk's Office. Vendor Name: G. B. McCaughan and Associates Vendor Number: JD Edwards Number Contract Number: AJJ1a ' C)-a- 1 q This is assigned by City Clerk's Office Project Name: S. 228th Street Union Pacific Railroad Grade Separation Description: ❑ Interlocal Agreement ❑ Change Order ❑ Amendment ® Contract ❑ Other: Contract Effective Date: 8/26/10 Termination Date: 8/31/11 Contract Renewal Notice (Days): Number of days required notice for termination or renewal or amendment Contract Manager: Mark Howlett Department: Engineering Detail: (i.e. address, location, parcel number, tax id, etc.): Provide right-of-wad acquisition services for the proj_ect. S,Publlc\RecordsManagement\Forms\ContractCover\adcc7832 1 11/08 e K E N T Wws"i"crow CONSULTANT SERVICES AGREEMENT between the City of Kent and G. B. McCaughan and Associates THIS AGREEMENT is made between the City of Kent, a Washington municipal corporation (hereinafter the "City"), and G. B. McCaughan and Associates organized under the laws of the State of Washington, located and doing business at 2209 S. 222"d Street, Des Moines, WA 98198, Phone: (206) 824-0737, Contact: Gerald B. McCaughan (hereinafter the "Consultant"). I. DESCRIPTION OF WORK. Consultant shall perform the following services for the City in accordance with the following described plans and/or specifications: The Consultant shall provide right-of-way acquisition services for the S. 228th Street Union Pacific Railroad Grade Separation project. For a description, see the Consultant's Scope of Work which is attached as Exhibit A and incorporated by this reference. Consultant further represents that the services furnished under this Agreement will be performed in accordance with generally accepted professional practices within the Puget Sound region in effect at the time those services are performed. II. TIME OF COMPLETION. The parties agree that work will begin on the tasks described in Section I above immediately upon the effective date of this Agreement. Upon the effective date of this Agreement, Consultant shall complete the work described in Section I by August 31, 2011. III. COMPENSATION. A. The City shall pay the Consultant, based on time and materials, an amount not to exceed Six Thousand, Seven Hundred Fifty Dollars ($6,750.00) for the services described in this Agreement. This is the maximum amount to be paid under this Agreement for the work described in Section I above, and shall not be exceeded without the prior written authorization of the City in the form of a negotiated and executed amendment to this agreement. The Consultant agrees that the hourly or flat rate charged by it for its services contracted for herein shall remain locked at the negotiated rate(s) for a period of one (1) year from the effective date of this Agreement. The Consultant's billing rates shall be as delineated in Exhibit B. B. The Consultant shall submit monthly payment invoices to the City for work performed, and a final bill upon completion of all services described in this Agreement. The City shall provide payment within forty-five (45) days of receipt of CONSULTANT SERVICES AGREEMENT - 1 (Under$10,000) } an invoice. If the City objects to all or any portion of an invoice, it shall notify the Consultant and reserves the option to only pay that portion of the invoice not in dispute. In that event, the parties will immediately make every effort to settle the disputed portion. i intend that an Independent IV. INDEPENDENT CONTRACTOR. The parties p Contractor-Employer Relationship will be created by this Agreement.- By their execution of this Agreement, and in accordance with Ch. 51.08 RCW, the parties make the following representations: A. The Consultant has the ability to control and direct the performance and details of its work, the City being interested only in the results obtained under this Agreement. B. The Consultant maintains and pays for its own place of business from which Consultant's services under this Agreement will be performed. C. The Consultant has an established and independent business that is eligible for a business deduction for federal income tax purposes that existed before the City retained Consultant's services, or the Consultant is engaged in an independently established trade, occupation, profession, or business of the same nature as that involved under this Agreement. D. The Consultant is responsible for filing as they become due all necessary tax documents with appropriate federal and state agencies, including the Internal Revenue Service and the state Department of Revenue. E. The Consultant has registered its business and established an account with the state Department of Revenue and other state agencies as may be required by Consultant's business, and has obtained a Unified Business Identifier (UBI) number from the State of Washington. F. The Consultant maintains a set of books dedicated to the expenses and earnings of its business. V. TERMINATION. Either party may terminate this Agreement, with or without cause, upon providing the other party thirty (30) days written notice at its address set forth on the signature block of this Agreement. After termination, the City may take possession of all records and data within the Consultant's possession pertaining to this project, which may be used by the City without restriction. If the City's use of Consultant's records or data is not related to this project, it shall be without liability or legal exposure to the Consultant. VI. DISCRIMINATION. In the hiring of employees for the performance of work under this Agreement or any subcontract, the Consultant, its subcontractors, or any person acting on behalf of the Consultant or subcontractor shall not, by reason of race, religion, color, sex, age, sexual orientation, national origin, or the presence of any sensory, mental, or physical disability, discriminate against any person who is qualified and available to perform the work to which the employment relates. Consultant shall execute the attached City of Kent Equal Employment Opportunity Policy Declaration, Comply with City Administrative Policy 1.2, and upon completion of the contract work, file the attached Compliance Statement. CONSULTANT SERVICES AGREEMENT - 2 (Under$10,000) VII. INDEMNIFICATION. Consultant shall defend, indemnify and hold the City, its officers, officials, employees, agents and volunteers harmless from any and all claims, injuries, damages, losses or suits, including all legal costs and attorney fees, arising out of or in connection with the Consultant's performance of this Agreement, except for that portion of the injuries and damages caused by the City's negligence. The City's inspection or acceptance of any of Consultant's work when completed shall not be grounds to avoid any of these covenants of indemnification. Should a court of competent jurisdiction determine that this Agreement is subject to RCW 4.24.115, then, in the event of liability for damages arising out of bodily injury to persons or damages to property caused by or resulting from the concurrent negligence of the Consultant and the City, its officers, officials, employees, agents and volunteers, the Consultant's liability hereunder shall be only to the extent of the Consultant's negligence. IT IS FURTHER SPECIFICALLY AND EXPRESSLY UNDERSTOOD THAT THE INDEMNIFICATION PROVIDED HEREIN CONSTITUTES THE CONSULTANT'S WAIVER OF IMMUNITY UNDER INDUSTRIAL INSURANCE, TITLE 51 RCW, SOLELY FOR THE PURPOSES OF THIS INDEMNIFICATION. THE PARTIES FURTHER ACKNOWLEDGE THAT THEY HAVE MUTUALLY NEGOTIATED THIS WAIVER. In the event Consultant refuses tender of defense in any suit or any claim, if that tender was made pursuant to this indemnification clause, and if that refusal is subsequently determined by a court having jurisdiction (or other agreed tribunal) to have been a wrongful refusal on the Consultant's part, then Consultant shall pay all the City's costs for defense, including all reasonable expert witness fees and reasonable attorneys' fees, plus the City's legal costs and fees incurred because there was a wrongful refusal on the Consultant's part. The provisions of this section shall survive the expiration or termination of this Agreement. VIII. INSURANCE. The Consultant shall procure and maintain for the duration of the Agreement, insurance of the types and in the amounts described in Exhibit C attached and incorporated by this reference. IX. EXCHANGE OF INFORMATION. The City will provide its best efforts to provide reasonable accuracy of any information supplied by it to Consultant for the purpose of completion of the work under this Agreement. X. OWNERSHIP AND USE OF RECORDS AND DOCUMENTS. Original documents, drawings, designs, reports, or any other records developed or created under this Agreement shall belong to and become the property of the City. All records submitted by the City to the Consultant will be safeguarded by the Consultant. Consultant shall make such data, documents, and files available to the City upon the City's request. The City's use or reuse of any of the documents, data and files created by Consultant for this project by anyone other than Consultant on any other project shall be without liability or legal exposure to Consultant. XI. CITY'S RIGHT OF INSPECTION. Even though Consultant is an independent contractor with the authority to control and direct the performance and details of the work authorized under this Agreement, the work must meet the approval of the City and shall be subject to the City's general right of inspection to secure satisfactory completion. CONSULTANT SERVICES AGREEMENT - 3 (Under$10,000) XII. WORK PERFORMED AT CONSULTANT'S RISK. Consultant shall take all necessary precautions and shall be responsible for the safety of its employees, agents, and subcontractors in the performance of the contract work and shall utilize all protection necessary for that purpose. All work shall be done at Consultant's own risk, and Consultant shall be responsible for any loss of or damage to materials, tools, or other articles used or held for use in connection with the work. XIII. MISCELLANEOUS PROVISIONS. A. Recyclable Materials. Pursuant to Chapter 3.80 of the Kent City Code, the City requires its contractors and consultants to use recycled and recyclable products whenever practicable. A price preference may be available for any designated recycled product. B. Non-Waiver of Breach. The failure of the City to insist upon strict performance of any of the covenants and agreements contained in this Agreement, or to exercise any option conferred by this Agreement in one or more instances shall not be construed to be a waiver or relinquishment of those covenants, agreements or options, and the same shall be and remain in full force and effect. C. Resolution of Disputes and Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of Washington. If the parties are unable to settle any dispute, difference or claim arising from the parties' performance of this Agreement, the exclusive means of resolving that dispute, difference or claim, shall only be by filing suit exclusively under the venue, rules and jurisdiction of the King County Superior Court, King County, Washington, unless the parties agree in writing to an alternative dispute resolution process. In any claim or lawsuit for damages arising from the parties' performance of this Agreement, each party shall pay all its legal costs and attorney's fees incurred in defending or bringing such claim or lawsuit, including all appeals, in addition to any other recovery or award provided by law; provided, however, nothing in this paragraph shall be construed to limit the City's right to indemnification under Section VII of this Agreement. D. Written Notice. All communications regarding this Agreement shall be sent to the parties at the addresses listed on the signature page of the Agreement, unless notified to the contrary. Any written notice hereunder shall become effective three (3) business days after the date of mailing by registered or certified mail, and shall be deemed sufficiently given if sent to the addressee at the address stated in this Agreement or such other address as may be hereafter specified in writing. E. Assignment. Any assignment of this Agreement by either party without the written consent of the non-assigning party shall be void. If the non-assigning party gives its consent to any assignment, the terms of this Agreement shall continue in full force and effect and no further assignment shall be made without additional written consent. F. Modification. No waiver, alteration, or modification of any of the provisions of this Agreement shall be binding unless in writing and signed by a duly authorized representative of the City and Consultant. G. Entire Agreement. The written provisions and terms of this Agreement, together with any Exhibits attached hereto, shall supersede all prior verbal statements of any officer or other representative of the City, and such statements shall not be effective or be construed as entering into or forming a part of or altering in any manner this Agreement. All of the above documents are hereby made a part of this Agreement. However, should any language in any of CONSULTANT SERVICES AGREEMENT - 4 (Under$10,000) the Exhibits to this Agreement conflict with any language contained in this Agreement, the terms of this Agreement shall prevail. H. N 4NOWaws. The Consultant agrees to comply with all federal, state, and municipal X91S jotions that are now effective or in the future become applicable to Consultant's uu�.,,.._ 'luipment, and personnel engaged in operations covered by this Agreement or accruing out of the performance of those operations. I. Counterparts. This Agreement may be executed in any number of counterparts, each of which shall constitute an original, and all of which will together constitute this one Agreement. IN WITNESS, the parties below execute this Agreement, which shall become effective on the last date entered below. CONSULTANT: CITY ENT: 1�d t (signature) / gnat. L Pnnt Name: ���9 � !e� ! ( �'�j.0.•-� Print Name: Timothy J. LaPorte, P.E. Its: Ci( e'or Its: P lic Works Director (ntl ) DATE: L /O DATE: G 2 NOTICES TO BE SENT TO: NOTICES TO BE SENT TO: CONSULTANT: CITY OF KENT: Gerald B. McCaughan Timothy J. LaPorte, P.E. G. B. McCaughan and Associates City of Kent 2209 S. 222"d Street 220 Fourth Avenue South Des Moines, WA 98198 Kent, WA 98032 (206) 824-0737 (telephone) (253) 856-5500 (telephone) (253) 856-6500 (facsimile) G6 McCaughan-2W UP/Howlett CONSULTANT SERVICES AGREEMENT - 5 (Under$10,000) DECLARATION CITY OF KENT EQUAL EMPLOYMENT OPPORTUNITY POLICY The City of Kent is committed to conform to Federal and State laws regarding equal opportunity. As such all contractors, subcontractors and suppliers who perform work with relation to this Agreement shall comply with the regulations of the City's equal employment opportunity policies. The following questions specifically identify the requirements the City deems necessary for any contractor, subcontractor or supplier on this specific Agreement to adhere to. An affirmative response is required on all of the following questions for this Agreement to be valid and binding. If any contractor, subcontractor or supplier willfully misrepresents themselves with regard to the directives outlines, it will be considered a breach of contract and it will be at the City's sole determination regarding suspension or termination for all or part of the Agreement; The questions are as follows: 1. I have read the attached City of Kent administrative policy number 1.2. 2. During the time of this Agreement I will not discriminate in employment on the basis of sex, race, color, national origin, age, or the presence of all sensory, mental or physical disability. Y 3. During the time of this Agreement the prime contractor will provide a written statement to all new employees and subcontractors indicating commitment as an equal opportunity employer. 4. During the time of the Agreement I, the prime contractor, will actively consider hiring and promotion of women and minorities. 5. Before acceptance of this Agreement, an adherence statement will be signed by me, the Prime Contractor, that the Prime Contractor complied with the requirements as set forth above. By signing below, I agree to fulfill the five requirements referenced above. Dated this -Z day of lls/ By: For: C`�.�-/�� C �G�S��•✓ s 14G, Title: �� la.✓�� Date: EEO COMPLIANCE DOCUMENTS - 1 CITY OF KENT ADMINISTRATIVE POLICY NUMBER: 1.2 EFFECTIVE DATE: January 1, 1998 SUBJECT: MINORITY AND WOMEN SUPERSEDES: April 1, 1996 CONTRACTORS APPROVED BY Jim White, Mayor POLICY: Equal employment opportunity requirements for the City of Kent will conform to federal and state laws. All contractors, subcontractors, consultants and suppliers of the City must guarantee equal employment opportunity within their organization and, if holding Agreements with the City amounting to $10,000 or more within any given year, must take the following affirmative steps: 1. Provide a written statement to all new employees and subcontractors indicating commitment as an equal opportunity employer. 2. Actively consider for promotion and advancement available minorities and women. Any contractor, subcontractor, consultant or supplier who willfully disregards the City's nondiscrimination and equal opportunity requirements shall be considered in breach of contract and subject to suspension or termination for all or part of the Agreement. Contract Compliance Officers will be appointed by the Directors of Planning, Parks, and Public Works Departments to assume the following duties for their respective departments. 1. Ensuring that contractors, subcontractors, consultants, and suppliers subject to these regulations are familiar with the regulations and the City's equal employment opportunity policy. 2. Monitoring to assure adherence to federal, state and local laws, policies and guidelines. EEO COMPLIANCE DOCUMENTS - 2 CITY OF KENT EQUAL EMPLOYMENT OPPORTUNITY COMPLIANCE STATEMENT This form shall be filled out AFTER COMPLETION of this project by the Contractor awarded the Agreement. I, the undersigned, a duly represented agent of Company, hereby acknowledge and declare that the before-mentioned company was the prime contractor for the Agreement known as that was entered into on the (date) between the firm I represent and the City of Kent. I declare that I complied fully with all of the requirements and obligations as outlined in the City of Kent Administrative Policy 1.2 and the Declaration City of Kent Equal Employment Opportunity Policy that was part of the before-mentioned Agreement. Dated this day of , 20 By: For: Title: Date: EEO COMPLIANCE DOCUMENTS - 3 Exhibit A Scope of Work Provide consulting services for right-of-way acquisition for the City of Kent's S 228" Street Union Pacific Railroad Grade Separation Project. Work will include review of title reports, coordination with appraisers, review appraisers, negotiators and legal staff. Work also includes evaluation of project impacts, right-of-way document preparation and review of final settlement agreements as well as other right-of-way related tasks needed to complete acquisition process. Exhibit B Project Budget Consultant proposes to perform this work for a not-to-exceed amount of$6,750 for the City of Kent's S. 228'h Street Union Pacific Railroad Grade Separation Project as follows: Project Hours Hourly Rate Total S. 228th Street UPRR Grade Separation Project 50 135 $6,750 EXHIBIT C INSURANCE REQUIREMENTS FOR CONSULTANT SERVICES AGREEMENTS Insurance The Contractor shall procure and maintain for the duration of the Agreement, insurance against claims for injuries to persons or damage to property which may arise from or in connection with the performance of the work hereunder by the Contractor, their agents, representatives, employees or subcontractors. A. Minimum Scope of Insurance Contractor shall obtain insurance of the types described below: 1. Commercial General Liability insurance shall be written on ISO occurrence form CG 00 01 and shall cover liability arising from premises, operations, independent contractors, products-completed operations, personal injury and advertising injury, and liability assumed under an insured contract. The Commercial General Liability insurance shall be endorsed to provide the Aggregate Per Project Endorsement ISO form CG 25 03 11 85. There shall be no endorsement or modification of the Commercial General Liability insurance for liability arising from explosion, collapse or underground property damage. The City shall be named as an insured under the Contractor's Commercial General Liability insurance policy with respect to the work performed for the City using ISO additional insured endorsement CG 20 10 11 85 or a substitute endorsement providing equivalent coverage. B. Minimum Amounts of Insurance Contractor shall maintain the following insurance limits: 1. Commercial General Liability insurance shall be written with limits no less than $1,000,000 each occurrence, $1,000,000 general aggregate and a $1,000,000 products-completed operations aggregate limit. C. Other Insurance Provisions The insurance policies are to contain, or be endorsed to contain, the following provisions for Automobile Liability and Commercial General Liability insurance: 1. The Contractor's insurance coverage shall be primary insurance as respect the City. Any Insurance, self-insurance, or insurance pool coverage maintained by the City shall be excess of the Contractor's insurance and shall not contribute with it. EXHIBIT C (Continued) hcoverage 2. The Contractor's insurance shall be endorsed to state that shall not be cancelled by either party, except after thirty (30) days prior written notice b certified mail return receipt requested, has P Y P G been given to the City. 3. The City of Kent shall be named as an additional insured on all Policies (except Professional Liability) as respects work performed P by or on behalf of the contractor and a copy of the endorsement naming the City as additional insured shall be attached to the Certificate of Insurance. The City reserves the right to receive a certified copy of all required insurance policies. The Contractor's Commercial General Liability insurance shall also contain a clause stating that coverage shall apply separately to each insured against whom claim is made or suit is brought, except with respects to the limits of the insurer's liability. D. Acceptability of Insurers Insurance is to be placed with insurers with a current A.M. Best rating of not less than A:VII. E. Verification of Coverage Contractor shall furnish the City with original certificates and a copy of the amendatory endorsements, including but not necessarily limited to the additional insured endorsement, evidencing the insurance requirements of the Contractor before commencement of the work. F. Subcontractors Contractor shall include all subcontractors as insureds under its policies or shall furnish separate certificates and endorsements for each subcontractor. All coverages for subcontractors shall be subject to all of the same insurance requirements as stated herein for the Contractor. ACORD,,, CERTIFICATE OF LIABILITY INSURANCE U022 12-09 2009 PRODUCER THIS CERTIFIr4TE IS ISSUED AS A MATTER OF INFORMATION AJ GALLAGHER RSK MGMT SVCS INC/PHS ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER THIS CERTIFICATE DOES NOT AMEND, EXTEND OR 818120 P: (866) 467-8730 F: (B77) 905-0457 ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW PO BOX 33015 SAN ANTONIO TX 78265 INSURERS AFFORDING COVERAGE INSURED INSURER AHartford Casualty Ins Co GERALD MCCAUGHAN DBA G. B. MCCAUGHAN INSURER ASSOC. INSURER C 2209 S 222ND ST INSURER DES MOINES WA 98198 INSURER COVERAGES THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED NOTWITHSTANDING ANY REQUIREMENT,TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN,THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,EXCLUSIONS AND CONDITIONS OF SUCH POLICIES AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS INSR POLICY EFFFC E POLICY EXPIRATION LIMITS LTR TYPE OF INSURANCE POLICY NUMBER DATE MMA, Y DATE MM/DD/YY GENERAL LIABILITY EACH OCCURRENCE $1, 000, 000 A COMMERCIAL GENERAL LIABILITY 52 SBM UK5451 01/02/10 01/02/11 FIRE DAMAGE IAny one fine) s 3 0 0, 0 0 0 CLAIMS MADE O OCCUR MED EXP IAny one person) $l0 r 000 X General Liab PERSONAL&ADV INJURY $1, 000, 000 GENERAL AGGREGATE s2 , 000, 000 ,I GEN L AGGREGATE LIMIT APPLIES PER PRODUCTS COMP/OP AGG s2 , 000, 000 I POLICY PECROT X LOC J AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $l, 000, 000 A ANY AUTO 52 SBM UK5451 01/02/10 01/02/11 Ea accident) ALL OWNED AUTOS BODILY INJURY SCHEDULED AUTOS (Per person) 5 X HIRED AUTOS BODILY INJURY $ X NON-OWNED AUTOS [Per aco mt) PRDPERTY DAMAGE _ [Per a,,adu�J GARAGE LIABILITY AUTO ONLY-EA ACCIDENT $ ANY AUTO OTHER THAN EA ACC $ AUTO ONLY AGG $ EXCESS LIABILITY EACH OCCURRENCE $ OCCUR CLAIMS MADE AGGREGATE 5 5 DEDUCTIBLE 5 RETENTION S $ WORKERS COMPENSA TION AND WC DRYSTA LIMTU- I OTHFIR A EMPLOYERS LIABILITY 52 SBM UK5451 01/02/10 01/02/11 EL EACHACCIDENT $1, 000 000 EL DISEASE-EA EMPLOYEE $1, 000, 000 F-T 'c L DISEASE-POLICY LIMIT $1, GGG, 000 OTHER DESCRIPTION OF OPERA TIONSILOCA TIONSIVEHICLES/EXCLUSIONS ADDED BY ENDORSEMENT/SPECIAL PROW== Those usual to the Insured' s Operations. The City of Kent Public Works Engineering Dept . is an Additional Insured per the Business Liability Coverage Form SS0008, attached to this policy. CERTIFICATE HOLDER AODITIONALINSURED INSURER LETTER _ CANCELLATION The City of Kent SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE y EXPIRATION DATE THEREOF,THE ISSUING INSURER WILL ENDEAVOR TO MAIL Public Works Engineering Dept . 30 DAYS WRITTEN NOTICE(10 DAYS FOR NON-PAYMENT)TO THE CERTIFICATE Attn: Nancy YOshltake HOLDER NAMED TO THE LEFT BUT FAILURE TO DO SO SHALL IMPOSE NO OBLIGATION OR LIABILITY OF ANY KIND UPON THE INSURER, ITS AGENTS OR 222 4th Ave. S . REPRESENTATIVES Kent WA 98032 A UTHORIZEP BEPRESENTATWE ACORD 25-S (7197) C ACORD CORPORATION 1988 51 This Spectrum Policy consists of the Declarations, Coverage Forms, Common Policy Conditions and any 54 other Forms and Endorsements issued to be a part of the Policy This insurance is provided by the stock UK insurance company of The Hartford Insurance Group shown below SBM iSURER: HARTFORD CASUALTY INSURANCE COMPANY HARTFORD PLAZA, HARTFORD, CT 06115 COMPANY CODE: 3 Policy Number: 52 SBM UK5451 DX THE HARTFORD SPECTRUM POLICY DECLARATIONS ORIGINAL Named Insured and Mailing Address: GERALD MCCAUGHAN (No , Street, Town, State, Zip Code) DBA G.B. MCCAUGHAN & ASSOC. 2209 S. 222ND STREET DES MOINES WA 98198 Policy Period: From 01/02/08 To 01/02/09 1 YEAR 12 01 a.m , Standard time at your mailing address shown above. Exception: 12 noon in New Hampshire. Name of Agent/Broker: AJ GALLAGHER RSK MGMT SVCS INC/PHS Code: 818120 Previous Policy Number: 52 SBM UK5451 Named Insured is: INDIVIDUAL Audit Period: NON-AUDITABLE Type of Property Coverage: NONE surance Provided. In return for the payment of the premium and subject to all of the terms of this policy,we agree with you to provide insurance as stated in this policy. TOTAL ANNUAL PREMIUM IS: $350 MP - IN RECOGNITION OF THE MULTIPLE COVERAGES INSURED WITH THE HARTFORD, YOUR POLICY PREMIUM INCLUDES AN ACCOUNT CREDIT. Countersigned by 11/19/07 Authorized Representative Date Form SS 00 02 12 06 Page 001 (CONTINUED ON NEXT PAGE) Process Date: 11/19/07 Policy Expiration Date: 01/02/09 INSURED COPY SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 52 SBM UK5451 .;ation(s), Building(s), Business of Named Insured and Schedule of Coverages for Premises as designated by Number below. Location: 001 Building: 001 2209 S. 222ND STREET SEATTLE WA 98198 Description of Business: CONSULTANT - NOC Deductible: NO COVERAGE BUILDING AND BUSINESS PERSONAL PROPERTY LIMITS OF INSURANCE BUILDING NO COVERAGE BUSINESS PERSONAL PROPERTY REPLACEMENT COST NO COVERAGE PERSONAL PROPERTY OF OTHERS REPLACEMENT COST NO COVERAGE MONEY AND SECURITIES INSIDE THE PREMISES NO COVERAGE OUTSIDE THE PREMISES NO COVERAGE Form SS 00 02 112 06 Page 002 (CONTINUED ON NEXT PAGE) Process Date. 11/19/07 Policy Expiration Date: 01/02/09 SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 52 SBM UK5451 '+1JSINESS LIABILITY LIMITS OF INSURANCE LIABILITY AND MEDICAL EXPENSES $1,000,000 MEDICAL EXPENSES -ANY ONE PERSON $ 10,000 PERSONAL AND ADVERTISING INJURY $1,000, 000 DAMAGES TO PREMISES RENTED TO YOU $ 300,000 ANY ONE PREMISES AGGREGATE LIMITS PRODUCTS-COMPLETED OPERATIONS $2,000, 000 FORM SS 05 09 GENERAL AGGREGATE $2,000, 000 EMPLOYMENT PRACTICES LIABILITY COVERAGE: FORM SS 09 01 EACH CLAIM LIMIT $ 51000 DEDUCTIBLE-EACH CLAIM LIMIT NOT APPLICABLE AGGREGATE LIMIT $ 5, 000 ZETROACTIVE DATE: 01 022006 This Employment Practices Liability Coverage contains claims made coverage. Except as may be otherwise provided herein, specified coverages of this insurance are limited generally to liability for injuries for which claims are first made against the insured while the insurance is in force. Please read and review the insurance carefully and discuss the coverage with your Hartford Agent or Broker. The Limits of Insurance stated in this Declarations will be reduced, and may be completely exhausted, by the payment of"defense expense" and, in such event, The Company will not be obligated to pay any further"defense expense" or sums which the insured is or may become legally obligated to pay as"damages". BUSINESS LIABILITY OPTIONAL COVERAGES HIRED/NON-OWNED AUTO LIABILITY $1,000,000 FORM: SS 01 70 EMPLOYERS LIABILITY AND STOP GAP BODILY INJURY BY ACCIDENT EACH ACCIDENT $1,000, 000 BODILY INJURY BY DISEASE EACH EMPLOYEE $1, 000, 000 BODILY INJURY BY DISEASE POLICY LIMIT $1, 000, 000 APPLICABLE TO LOCATIONS IN THE FOLLOWING STATE(S) : WASHINGTON Form SS 00 02 12 06 Page 003 (CONTINUED ON NEXT PAGE) Process Date: 11/19/07 Policy Expiration Date: 01/02/09 SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 52 SBM UK5451 Form Numbers of Forms and Endorsements that apply: I : qS 00 01 04 93 SS 00 05 12 06 SS 00 08 04 05 SS 00 45 12 06 01 28 06 03 SS 01 70 06 01 SS 01 B5 11 93 SS 41 02 04 05 05 09 07 00 SS 05 47 09 01 SS 09 01 09 00 SS 09 25 04 98 ss 09 42 07 99 SS 10 04 09 98 SS 50 30 06 03 SS 83 76 02 06 Form SS 00 02 12 06 Page 004 Process Date: 11/19/07 Policy Expiration Date: 01/02/09 N 0 01) 1-4 N Ln 0 0 COMMON POLICY CONDITIONS Form SS 00 05 04 05 0 2005, The Hartford QUICK REFERENCE -SPECTRUM POLICY DECLARATIONS and COMMON POLICY CONDITIONS j I. DECLARATIONS Named Insured and Mailing Address Policy Period Description and Business Location Coverages and Limits of Insurance II. COMMON POLICY CONDITIONS Beginning on Page A. Cancellation 1 B. Changes I C. Concealment, Misrepresentation Or Fraud 2 D. Examination Of Your Books And Records 2 E. Inspections And Surveys 2 F. Insurance Under Two Or More Coverages 2 G. t-ihPm1i7atlnn 2 H. Other Insurance - Property Coverage 2 1. Premiums 2 J. Transfer Of Rights Of Recovery Against Others To Us 2 K. Transfer Of Your Rights And Duties Under This Policy 3 L Premium Audit 3 Form SS 00 05 04 05 COMMON POLICY CONDITIONS All coverages of this policy are subject to the following conditions. A. Cancellation (5) Failure to: 1. The first Named Insured shown in the (a) Furnish necessary heat, water, Declarations may cancel this policy by mailing sewer service or electricity for 30 or delivering to us advance written notice of consecutive days or more, except n cancellation. during a period of seasonal Cn 0 2. We may cancel this policy by marling or unoccupancy, or (b) Pay property taxes that are owing delivering to the first Named Insured written co notice of cancellation at least: and have been outstanding for more than one vear followina_ the o a. 5 days before the effective date of date due, except that this Ln cancellation if any one of the following provision will not apply where you conditions exists a any building that is L t t are in a bona fide dispute with the Covered Property in this policy: taxing authority regarding ,`; (1) The building has been vacant or payment of such taxes o unoccupied 60 or more consecutive b, 10 days before the effective date of 14 days This does not apply to: cancellation if we cancel for nonpayment * (a) Seasonal unoccupancy, or of premium (b) Buildings in the course of c. 30 days before the effective date of _ construction, renovation or cancellation if we cancel for any other addition reason. Buildings with 65% or more of the rental 3. We will mad or deliver our notice to the first units or floor area vacant or unoccupied Named Insured's last mailing address known are considered unoccupied under this to us. provision. 4. Notice of cancellation will state the effective o ate of cancellation. The policy period will end (2) After damage by a Covered Cause f d p y p Loss, permanent repairs to the on that date. building. 5. If this policy is canceled, we will send the first (a) Have not started; and Named Insured any premium refund due (b) Have not been contracted for, Such refund will be pro rata. The cancellation .= within 30 days of initial payment of will be effective even if we have not made or offered a refund loss. (3) The building has 6. If notice is mailed, proof of mTlirig will be sufficient proof of notice. (a) An outstanding order to vacate; 7. If the first Named Insured cancels this policy, (b) An outstanding demolition order; we will retain no less than $100 of the or premium. (c) Been declared unsafe by B. Changes governmental authority This policy contains all the agreements between you (4) Fixed and salvageable items have and us conceming the insurance afforded The first _ been or are being removed from the Named Insured shown in the Declarations is budding and are not being replaced authorized to make changes in the terms of this ® This does not apply to such removal policy with our consent. This policy's terms can be that is necessary or incidental to any amended or waived only by endorsement issued renovation or remodeling by us and made a part of this policy Form SS 00 05 04 05 Page 1 of 3 © 2005,The Hartford COMMON POLICY CONDITIONS C. Concealment, Misrepresentation Or Fraud 1. Premiums This policy is void in any case of fraud by you as it 1. The first Named Insured shown in the relates to this policy at any time. It is also void if you Declarations or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning. a. p responsible for the payment of a![ premiums; and 1. This policy, 2. The Covered Property; b. Will be the payee for any return premiums we pay. 3. Your interest in the Covered Property; or 2. The premium shown in the Declarations was 4. A claim under this policy computed based on rates in effect at the time D. Examination Of Your Books And Records the policy was issued. If applicable, on each We may examine and audit your books and renewal, continuation or anniversary of the records as they relate to the policy at any time effective date of this policy, we will compute during the policy period and up to three years the premium in accordance with our rates and rules then in effect afterward E. Inspections And Surveys 3. ',11rth our consent, you may continue this policy We have the right but are not obligated to in force by paying a continuation premium for each successive one-year period The 1. Make inspections and surveys at any time; premium must be: 2. Give you reports on the conditions we find, and a. Paid to us prior to the anniversary date, and 3. Recommend changes b. Determined in accordance with Paragraph Any inspections, surveys, reports or 2. above recommendations relate only to insurability and the Our forms then in effect will apply. If you do premiums to be charged We do not make safety not pay the continuation premium, this policy inspections. We do not undertake to perform the duty will expire on the first anniversary date that we of any person or organization to provide for the health have not received the premium or safety of any person And we do not represent or 4. Changes in exposures or changes in your = warrant that conditions business operation, acquisition or use of 1. Are safe or healthful, or locations that are not shown in the Declarations 2. Comply with laws, regulations, codes or may occur during the policy period If so, we standards. may require an additional premium. That This condition applies not only to us, but also to premium will be determined in accordance with any rating, advisory, rate service or similar our rates and rules then in effect. organization which makes insurance inspections, J. Transfer Of Rights Of Recovery Against Others surveys, reports or recommendations. To Us F. Insurance Under Two Or More Coverages Applicable to Property Coverage: If two or more of this policy's coverages apply to If any person or organization to or for whom we the same loss or damage, we will not pay more make payment under this policy has rights to than the actual amount of the loss or damage recover damages from another, those rights are G. Liberalization transferred to us to the extent of our payment If we adopt any revision that would broaden the That person or organization must do everything coverage under this policy without additional necessary to secure our rights and must do premium within 45 days prior to or during the nothing after loss to impair them. But you may policy period, the broadened coverage will waive your rights against another party in writing immediately apply to this policy. 1. Prior to a loss to your Covered Property H. Other Insurance -Property Coverage 2. After a loss to your Covered Property only if, at If there is other insurance covering the same loss time of loss,that party is one of the following or damage, we will pay only for the amount of covered loss or damage in excess of the amount a. Someone insured by this insurance, due from that other insurance, whether you can b. A business firm. collect on it or not But we will not pay more than (1) Owned or controlled by you, or the applicable Limit of Insurance (2) That owns or controls you, or Page 2 of 3 Form SS 00 05 04 05 COMMON POLICY CONDITIONS c. Your tenant. L. Premium Audit You may also accept the usual bills of lading or a. We will compute all premiums for this policy in shipping receipts lim:ting the liability of carriers. accordance wim our rules and rates. This will not restrict your insurance. b. The premium amount shown in the K. Transfer Of Your Rights And Duties Under This Declarations is a deposit premium only. At the close GI Each audit. Ne1Cd 'r'd e :rII CviTpU,e ,k Policy ul e Your rights and duties under this policy may not be earned premium for that period Any transferred without our written consent except in additional premium found to be due as a result the case of death of an individual Named Insured of the audit are due and payable on notice to the first Named Insured. If the deposit If you die, your rights and duties will be transferred premium paid for the policy term is greater N to your legal representative but only while acting than the earned premium, we will return the o within the scope of duties as your legal excess to the first Named Insured. representative Until your legal representative is c. The first Named Insured must maintain all m appointed, anyone having proper temporary records related to the coverage g provided by r+ `U" L"Uy "' r"Ul p"'Y""Y " �-"' i4r j— r'y^6""' --A 1— this policy ano necessary To Tinauze Tne duties but only with respect to that property. premium audit, and send us copies of the r same upon our request. In x CD N 0 Our President and Secretary have signed this policy. The Declarations page has also been countersigned by our duly authorized agent Brian S. Becker, Secretary David Zwiener, President Form SS 00 05 04 05 Page 3 of 3 cl N cn OD Ln Imp ry Ln BUSINESS LIABILITY COVERAGE FORM Form SS 00 08 04 05 0 2005,The Hartford QUICK REFERENCE BUSINESS LI A BILITY COVERAGE FORM READ YOUR POLICY CAREFULLY BUSINESS LIABILITY COVERAGE FORM Beginning on Page A. COVERAGES 1 Business Liability 1 Medical Expenses 2 Coverage Extension - Supplementary Payments 2 B. EXCLUSIONS 3 C IAfNl1 IC AKI IAICI 101=M D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE 14 E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 15 1. Bankruptcy 15 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit 15 3. Financial Responsibility Laws 16 4. Legal Action Against Us 16 5. Separation Of Insureds 16 6. Representations 16 7. Other Insurance 16 8. Transfer Of Rights Of Recovery Against Others To Us 17 F. OPTIONAL ADDITIONAL INSURED COVERAGES 18 Additional Insureds 18 G. LIABILITY AND MEDICAL EXPENSES DEFINITIONS 20 Form SS 00 08 04 05 to SIN!ESS IL=EA2!IL-1-rl %C;0VE�A%GE F IIFY1 Various provisions in this policy restrict coverage Read the entire policy carefully to determine rights, duties and what is and is ncf covered Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations The words "we", "us"and "our" refer to the stock insurance company member of The Hartford providing this insurance The word 'insured" means any person or organization qualifying as such under Section C -Who Is An Insured. w Other words and phrases that appear in quotation marks have special meaning. Refer to Section G. - Liability And N Medical Expenses Definitions M 0 co A. COVERAGES (a) The "bodily injury" or "property 1. BUSINESS LIABILITY COVERAGE (BODILY uaiiiaiJC' is �d'uacu by LIT) INJURY, PROPERTY DAMAGE, PERSONAL "occurrence" that takes place in the "coverage territory"; AND ADVERTISING INJURY) in (b) The "bodily injury" or "property � Insuring Agreement damage" occurs during the policy n a. We will pay those sums that the insured period, and o becomes legally obligated to pay as (c) Prior to the policy period, no insured .Hi damages because of "bodily injury", listed under Paragraph 1. of Section "property damage" or "personal and C. — Who Is An Insured and no advertising injury to which this insurance "employee" authorized by you to give applies. We will have the right and duty to PP y or receive notice of an "occurrence" defend the insured against any "suit" or claim, knew that the "bodily injury" seeking those damages. However, we will or "property damage" had occurred, have no duly to defend the insured against in whole or in part. If such a listed any "suit" seeking damages for "bodily insured or authorized "employee" injury", "property damage" or "personal and knew, prior to the policy period, that advertising injury" to which this insurance the "bodily injury" or "property does not apply damage" occurred, then any We may, at our discretion, investigate any continuation, change or resumption "occurrence" or offense and settle any claim of such "bodily injury" or "property or"suit"that may result. But damage" during or after the policy (1) The amount we will pay for damages is period will be deemed to have been limited as described in Section D. - known prior to the policy period Liability And Medical Expenses Limits (2) To "personal and advertising injury" Of Insurance, and caused by an offense arising out of your (2) Our right and duty to defend ends when business, but only if the offense was we have used up the applicable limit of committed in the "coverage territory" insurance in the payment of judgments, during the policy period settlements or medical expenses to which c. "Bodily injury" or "property damage" will be this insurance applies. deemed to have been known to have No other obligation or liability to pay sums or occurred at the earliest time when any perform acts or services is covered unless insured listed under Paragraph 1. of Section explicitly provided for under Coverage C. — Who Is An Insured or any "employee" Extension-Supplementary Payments authorized by you to give or receive notice -- of an "occurrence" or claim. b. This insurance applies (1) Reports all, or any part, of the "bodily (1) To "bodily injury" and "property injury" or "property damage" to us or damage"only if. any other insurer; Form SS 00 Oa 04 05 Pagel of 24 © 2005, The Hartford BUSINESS LIABILITY COVERAGE FORM (2) Receives a written or verbal demand or b. We will make these payments regardless of claim for damages because of the "b:,dily fault These payments will not exceed the injury"or"property damage", or applicable limit of insurance We will pair (3) Becomes aware by any other means that reasonable expenses for "bodily injury" or property damage' has (1) First aid administered at the time of an occurred or has begun to occur accident; d. Damages because of "bodily injury" include (2) Necessary medical, surgical, x-ray and damages claimed by any person or dental services, including prosthetic organization for care, loss of services or devices; and death resulting at any time from the "bodily (3) Necessary ambulance, hospital, injury". professional nursing and funeral e. Incidental Medical Malpractice services (1) "Bodily injury" arising out of the 3. COVERAGE EXTENSION - rendering of or failure to render SUPPLEMENTARY PAYMENTS professional health care services as a a. We will pay, with respect to any claim or nh�rc.r.on rlon#id n..�cn nmomcnry �__�-_ - -° _ --- -- _ °•=•--_ -•• - �- -s "suit" we investigate or settle, or any "suit" medical technician or paramedic shall against an insured we defend. be deemed to be caused by an occurrence', but only if. (1) All expenses we incur. (a) The physician, dentist, nurse, (2) up to $1,000 for the cost of bail bonds emergency medical technician or required because of accidents or traffic paramedic is employed by you to law violations arising out of the use of provide such services, and any vehicle to which Business Liability Coverage for"bodily injury" applies We (b) You are not engaged in the do not have to furnish these bonds business or occupation of providing such services. (3) The cost of appeal bonds or bonds to release attachments, but only for bond For the purpose of determining the amounts within the applicablc limit limits of insurance for incidental medical insurance. We do not have to furnish malpractice, any act or omission these bonds together with all related acts or omissions in the furnishing of these (4) All reasonable expenses incurred by the services to any one person will be insured at our request to assist us in the considered one"occurrence" investigation or defense of the claim or "suit", including actual loss of earnings 2. MEDICAL EXPENSES up to $500 a day because of time off Insuring Agreement from work. a. We will pay medical expenses as described (5) All costs taxed against the insured in below for "bodily injury" caused by an the "suit". accident: (6) Prejudgment interest awarded against (1) On premises you own or rent; the insured on that part of the judgment (2) On ways next to premises you own or we pay. If we make an offer to pay the rent, or applicable limit of insurance, we will not (3) Because of your operations, pay any prejudgment interest based on that period of time after the offer. provided that. (7) All interest on the full amount of any (1) The accident takes place in the judgment that accrues after entry of the "coverage territory" and during the judgment and before we have paid, policy period; offered to pay, or deposited in court the (2) The expenses are incurred and reported part of the judgment that is within the to us within three years of the date of applicable limit of insurance. the accident, and Any amounts paid under (1) through (71 (3) The injured person submits to above will not reduce the limits of insuranc examination, at our expense, by physicians of our choice as often as we reasonably require Fnrm SS 00 08 04 05 BUSINESS LIABILII Y GUVtKAbt VUKlvl b. If we defend an insured against a "suit' So long as the above conditions are met, and an indemnitee of the Insured is also attorneys' fees Incurred by us in the named as a party to the "suit", we will defense of that indemnitee, necessary defend that mdernnitee if all of the litigation expenses Incurred by us and fnllnwing conditions are met: necessary litigation expenses incurred by the indemnitee at our request will be (i) The "suet" against the indemnitee paid as Supplementary Payments. seeks damages for which the Insured has assumed the liability of the Notwithstanding the provisions of indemnitee in a contract or agreement Paragraph 1.b.(b) of Section B. — that is an "insured contract", Exclusions, such payments will not be deemed to be damages for "bodily (2) This insurance applies to such liability deemed and "property damage" and will assumed by the insured, not reduce the Limits of Insurance (3) The obligation to defend, or the cost of Our obligation to defend an insured's o the defense of, that indemnitee, has indemnitee and to pay for attorneys' fees also been assumed by the insured in m the same "insured contract"; and necessary litigation expenses as I Suoolementary Pavments ends when o (4) The allegations in the "suit" and the r' (1) We have used up the applicable limit information we know about the � "occurrence" are such that no conflict of insurance in the payment of N judgments or settlements, or appears to exist between the interests N of the insured and the interest of the (2) The conditions set forth above, or the N indemnitee, terms of the agreement described in (5) The indemnitee and the insured ask Paragraph (6)above, are no longer met. us to conduct and control the defense B. EXCLUSIONS of that indemnitee against such "suit" 1. Applicable To Business Liability Coverage and agree that we can assign the same counsel to defend the insured This insurance does not apply to: _= and the indemnitee, and a. Expected Or Intended Injury (6) The indemnitee: (1) "Bodily injury" or "property damage" 4, ' expected or intendeci from the (a) Agrees in writing to, (i) Cooperate with us in the standpoint of the insured. This exclusion does not apply to "bodily investigation, settlement or injury" or "property damage" resulting defense of the "suit"; from the use of reasonable force to (ii) Immediately send us copies of protect persons or property, or any demands, notices, summonses or legal papers (2) "Personal and advertising injury' ansing out of an offense committed by, at the received in connection with direction of or with the consent or the "suit", acquiescence of the insured wdh the (iii) Notify any other insurer whose expectation of inflicting "personal and coverage is available to the advertising injury" indemnitee, and b. Contractual Liability (iv) Cooperate with us with (1) "Bodily injury"or"property damage",or respect to coordinating other applicable insurance available (2) "Personal and advertising injury" to the indemnitee, and for which the insured is obligated to pay (b) Provides us with written damages by reason of the assumption of authorization to: liability in a contract or agreement. _ (i) Obtain records and other This exclusion does not apply to liability information related to the for damages because of "suit", and (a) "Bodily injury", "property damage"or (ii) Conduct and control the "personal and advertising injury"that defense of the indemnitee in the insured would have in the such "suit". absence of the contract or agreement;or Form SS 00 08 04 05 Page 3 of 24 BUSINESS LIABILITY COVERAGE FORM (b) "Bodily injury" or"property damage" (b) Performing duties related to the assumed in a contract or agreement conduct of the insured's business,or that is an "insured contract", (2) The spouse, child, parent, brother or provided the "bodily injury" or sister of that "employee" as "property damage" occurs consequence of(1) above subsequent to the execution of the contract or agreement Solely for This exclusion applies the purpose of liability assumed in (1) 'Whether the insured may be liable as an "insured contract", reasonable an employer or in any other capacity, attorneys' fees and necessary and litigation expenses incurred by or for (2) To any obligation to share damages a party other than an insured are with or repay someone else who must deemed to be damages because of pay damages because of the injury. "bodily injury" or "property damage" This exclusion does not apply to liability provided- assumed by the insured under an "insured (i) Liability to such party foi, or for contract". the cost of, that oartv's defense n •=-- has also been assumed in the same"insured contract", and (1) "Roddy injury", "property damage" or "personal and advertising injury" (ii) Such attorneys' fees and arising out of the actual, alleged or litigation expenses are for threatened discharge, dispersal, defense of that party against a seepage, migration, release or escape civil or alternative dispute of"pollutants": resolution proceeding in which damages to which this (a) At or from any premises, site or i location which is or was at any insurance applies are alleged. time owned or occupied by, or c. Liquor Liability rented or loaned to any insured. "Bodily injury" or "property dama(le" for However, this subparagraph doe which any insured may be held liable by not apply to reason of (i) "Bodily injury" if sustained within (1) Causing or contributing to the a building and caused by intoxication of any person, smoke, fumes, vapor or soot (2) The furnishing of alcoholic beverages to produced by or originating from a person under the legal drinking age or equipment that is used to heat, under the influence of alcohol; or cool or dehumidify the building, or equipment that is (3) Any statute, ordinance or regulation used to relating to the sale, gift, distribution or heat water for personal use, by use of alcoholic beverages. the building's occupants or their guests, This exclusion applies only if you are in the (ii) 'Bodily injury' or "properly business of manufacturing, distributing, damage" for which you may be selling, serving or furnishing alcoholic beverages held liable, if you are a contractor and the owner or d. Workers' Compensation And Similar lessee of such premises, site or Laws location has been added to your Any obligation of the insured under a policy as an additional insured workers' compensation, disability benefits with respect to your ongoing or unemployment compensation law or operations performed for that any similar law additional insured at that e. Employer's Liability premises, site or location and "Bodily injury"to- such premises, site or location is not and never was owned or (1) An "employee" of the insured arising occupied by, or rented e out of and in the course of. loaned to, any insured, other (a) Employment by the insured; or than that additional insured,or Page 4 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (iii)"Bodily injury" or "property released as part of the damage" arising out of heat, operations being performed smoke or fumes from a by such insured, contractor or .1ostile it subcontractor; (b) At or from any premises, site or (ii) "Bodily injury" or "property location which is or was at any damage' sustained within a fim. :iced by or for any insured or budding and caused by the others for the handling, storage, release of gases, fumes or disposal, processing or treatment vapors from materials brought of waste, into that budding in connection (c) Which are or were at any time with operations being performed transported, handled, stored, by you or on your behalf by a co treated, disposed of, or processed contractor or subcontractor,or as waste by or for (iii) "Bodily injury" or "property (i) Any insured, or damage" arising out of heat, smoke or fumes from a m Nil Anv nPrson or orrlanization for °hncfi lc fro"- nr o whom you may be legally 1-4 responsible, (e) At or from any premises, site or Ln location on which any insured or any Ln (d) At or from any premises, site or contractors or subcontractors location on which any insured or worlung directly or indirectly on any ,`; any contractors or subcontractors insured's behalf are performing o working directly or indirectly on operations if the operations are to any rnsured's behalf are test for, monitor, clean up, remove, performing operations if the contain, treat, detoxify or neutralize, "pollutants" are brought on or to or in any way respond to, or assess the premises, site or location in the effects of, "pollutants" connection with such operations by such insured, contractor or (2) Any loss, cost or expense arising out subcontractor. However, this of any: subparagraph does not apply to (a) Request, demand, order or statutory (i) "Bodily injury" or "property or regulatory requirement that any damage" arising out of the insured or others test for, monitor, escape of fuels, lubricants or clean up, remove, contain, treat, other operating fluids which are detoxify or neutralize, or in any way needed to perform the normal respond to, or assess the effects of, electrical, hydraulic or "pollutants",or mechanical functions (b) Claim or suit by or on behalf of a necessary for the operation of governmental authority for "mobile equipment" or:ts parts, damages because of testing for, if such fuels, lubricants or other monitoring, cleaning up, removing, operating fluids escape from a containing, treating, detoxifying or _ vehicle part designed to hold, neutralizing, or in any way store or receive them This responding to, or assessing the _ exception does not apply if the effects of, "pollutants" "bodily injury" or "property However, this paragraph does not damage" arises out of the apply to liability for damages because intentional discharge, dispersal of"property damage" that the insured or release of the fuels, would have in the absence of such lubricants or other operating request, demand, order or statutory or fluids, or if such fuels, regulatory requirement, or such claim lubricants or other operating or "surt" by or on behalf of a fluids are brought on or to the governmental authority premises, site or location with the intent that they be discharged, dispersed or Form SS 00 08 04 05 Page 5 of 24 BUSINESS LIABILITY COVERAGE FORM g. Aircraft,Auto Or Watercraft (2) The use of "mobile equipment" in, or "Bodily injury" or "property damage" arising while in practice or preparation for, a out of the ownership, maintenance, use or prearranged racing, speed pr entrustment to others of any aircraft, "auto" demolition contest or in any stunti or watercraft owned or operated by or rented aChv"y or loaned to any insured Use Includes i_ War operation and "loading or i in(part,ng". " Bodily Injury", "property damage or This exclusion applies even if the claims "personal and advertising Injury", however against any insured allege negligence or caused, arising,directly or indirectly, out of other wrongdoing in the supervision, hiring, (1) War, including undeclared or civil war, employment, training or monitoring of others by that insured, if the "occurrence" which (2) Warlike action by a military force, caused the "bodily injury" or "property including action in hindering or damage" involved the ownership, defending against an actual or maintenance, use or entrustment to others of expected attack, by any government, any aircraft, "auto" or watercraft that is sovereign or other authority using L _____,_I __ ,__ __ , , milifnr narcnnnal nr nfhor Ulf VI lulnvu VI ivalm'i to -•i __ _. _ _�_ ._s ..' any insured. (3) Insurrection, rebellion, revolution, This exclusion does not apply to: usurped power, or action taken by governmental authority in hindering or (1) A watercraft while ashore on premises defending against any of these you own or rent, j. Professional Services (2) A watercraft you do not own that is- "Bodily injury", "property damage" or (a) Less than 51 feet long, and "personal and advertising injury" arising (b) Not being used to carry persons out of the rendering of or failure to render for a charge, any professional service. This includes (3) Parking an "auto" on, or on the ways but is not limited to- next to, premises you own or rent, (1) Legal, accounting or adver isir provided the "auto" is not owned by or services; rented or loaned to you or the insured, (2) Preparing, approving, or failing to (4) Liability assumed under any "insured prepare or approve maps, shop contract" for the ownership, drawings, opinions, reports, surveys, maintenance or use of aircraft or field orders, change orders, designs or watercraft, drawings and specifications, (5) "Bodily injury" or "property damage" (3) Supervisory, inspection, architectural arising out of the operation of any of or engineering activities; the equipment listed in Paragraph f.(2) (4) Medical, surgical, dental, x-ray or or f_(3) of the definition of "mobile nursing services treatment, advice or equipment"; or instruction; (6) An aircraft that is not owned by any (5) Any health or therapeutic service insured and is hired, chartered or loaned treatment, advice or instruction; with a paid crew However, this (6) Any service, treatment, advice or exception does not apply if the insured instruction for the purpose of has any other insurance for such "bodily appearance or skin enhancement, hair injury" or "property damage", whether removal or replacement or personal the other insurance is primary, excess, contingent or on any other basis, grooming, h. Mobile Equipment (7) Optical or hearing aid services including the prescribing, preparation, "Bodily injury" or "property damage" fitting, demonstration or distribution of arising out of: ophthalmic lenses and similar (1) The transportation of"mobile equipment" products or hearing aid devices, by an "auto" owned or operated by or rented or loaned to any insured; or Page 6 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE I-ORM (8) Optometry or optometric services Paragraphs (1), (3) and (4) of this including but not limited to examination exclusion do not apply to "property of the eyes and the prescribing, damage" (other than damage by fire) to preparaton, fittmg,demonstrabon or premises, including the contents of such distribution of ophthalmic lenses and premises, rented to you for a period of 7 or similar products, fewer consecutive days. A separate Limit (9) Any of insurance applies to Damage To Rented T.. V.... rl ti Prerrlises Rented I a You as uesclnbeu in, (a) Body piercing (not including ear Section D.- Limits Of Insurance. piercing), Paragraph (2) of this exclusion does not (b) Tattooing, including but not limited apply if the premises are "your work" and to the insertion of pigments into or were never occupied, rented or held for 1-4 under the skin; and rental by you co (c) Similar services, Paragraphs (3) and (4)of this exclusion do C) (10) Services in the practice of pharmacy; not apply to the use of elevators. CD and Paragraphs (3), (4), (5) and (6) of this ['] to i j C uiiNu[ef G61lsu,.1•,ly, desi.yu_ ....I..o•..I .,L. ..r.F n....l..fn I,a F.drtv ocemm�� programming services, including web under a sidetrack agreement � site design. Paragraphs (3) and (4)of this exclusion do Ln Paragraphs (4) and (5) of this exclusion do not apply to "property damage" to not apply to the Incidental Medical borrowed equipment while not being used N Malpractice coverage afforded under to perform operations at a job site. o Paragraph 1.e. in Section A.-Coverages. Paragraph (6) of this exclusion does not 1i * k. Damage To Property apply to "property damage" Included in the "Property damage"to: "products-completed operations hazard" (1) Property you own, rent or occupy, I. Damage To Your Product Including any costs or expenses "Property damage" to "your product" Incurred by you, or any other person, arising out of it or any part of it organization or entity, for repair, m. Damage.To Your Work replacement, enhancement, "Property damage" to "your work" arising restoration or maintenance of such property for any reason, including out of It or any part of it and included in the prevention of injury to a person or "products-completed operations hazard". damage to anothers property; This exclusion does not apply if the (2) Premises you sell, glue away or damaged work or the work out of which abandon, if the"property damage"arises the damage arises was performed on your —= out of any part of those premises, behalf by a subcontractor_ (3) Property loaned to you; in. Damage To Impaired Property Or Property Niot Physically Injured (4) Personal property in the care, custody "Property damage" to "impaired property" or control of the Insured, or property that has not been physically (5) That particular part of real property on injured, arising out of. which you or any contractors or subcontractors working directly or (1) A defect, deficiency, inadequacy or indirectly on your behalf are performing dangerous condition in "your product" operations, if the "property damage" or"your work"; or anses out of those operations, or (2) A delay or failure by you or anyone (6) That particular part of any property acting on your behalf to perform a that must be restored, repaired or contract or agreement in accordance _ replaced because "your work" was with its terms incorrectly performed on it. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product" or "your work" after it has been put to its intended use Form SS 00 08 04 05 Page 7 of 24 BUSINESS LIABILITY COVERAGE FORM o. Recall Of Products, Work Or Impaired (c) Title of any literary or artistic work; Property (8) Arising out of an offense committed by Damages claimed for any loss, cost or an insured whose business is expense incurred by you or others for the (a) Advertising, broadcastins loss of use, withdrawal, recall, inspection, publishing or telecasting; repair, replacement, adjustment, removal (b) Designing or determining content or disposal of ^vf web sites for others, or (1) "Your product"; (c) An Internet search, access, (2) "Your work", or content or service provider. (3) "Impaired property"; However, this exclusion does not if such product, work or property is apply to Paragraphs a., b. and c. withdrawn or recalled from the market or under the definition of "personal and from use by any person or organization advertising injury" in Section G. — because of a known or suspected defect, Liability And Medical Expenses deficiency, inadequacy or dangerous Definitions. condition in it . p. Personal And Advertising Injury placing an "advertisement" for or "Personal and advertising injury": linking to others on your web site, by (1) Arising out of oral, written or electronic itself, is not considered the business of advertising, broadcasting, publication of material, if done by or at the direction of the insured with publishing or telecasting, knowledge of its falsity; (9) Arising out of an electronic chat room or bulletin board the insured hosts, (2) Arising out of oral, written or electronic publication of material whose first owns, or over which the insured exercises control; pub!ication took place before the beginning of the policy period; (10) Arising out of the unauthorized use of (3) Ansi�ig out of a criminal act committed another's name or product in your a-ma,' by or at the d!rectwn of the insured; address, domain name or metatags, o. any other similar tactics to mislead (4) Arising out of any breach of contract, another's potential customers; except an implied contract to use (11) Arising out of the violation of a another's "advertising idea" in your person's right of privacy created by "advertisement"; any state or federal act. (5) Arising out of the failure of goods, However, this exclusion does not products or services to conform with any statement of quality or apply to Liability for damages that the insured would have in the absence of performance made in your "advertisement", such state or federal act, (12) Arising out of: (6) Arising out of the wrong description of the price of goods, products or services, (a) An "advertisement" for others on (7) Arising out of any violation of any your web site, intellectual property rights such as (b) Placing a link to a web site of copyright, patent, trademark, trade others on your web site, name, trade secret, service mark or (c) Content from a web site of others other designation of origin or displayed within a frame or border authenticity on your web site Content includes However, this exclusion does not information, code, sounds, text, apply to infringement, in your graphics or images,or "advertisement", of (d) Computer code, software or (a) Copyright; programming used to enable- (b) Slogan, unless the slogan is also (i) Your web site; or a trademark, trade name, service (ii) The presentation or functionally mark or other designation of origin of an "advertisement" or other or authenticity; or content on your web site; Page 8 of 24 Form SS 00 08 04 05 BUSINESS LIABILI I Y CUVEKA6L t-UKIVI (13) Arising out of a violation of any anti- (a) May be awarded or incurred by trust law, reason of any claim or suit (14) Arising out of the fluctuation in price or alleging actual or threatened injury value of any stocks, bongs or other or damage of any nature or Kind to secunues, or persons or property which would not have occurred in whole or in (15) Arising out of discrimination or part but for the "asbestos hazard"; Ilu miIiation coma-hatted by Or at the direction of any "executive officer", (b} Anse out of any request, demand, director, stockholder, partner or order or statutoryregulatory member of the insured. requirement thhatatanyy Insured or others test for, monitor, clean up, q. Electronic Data remove, encapsulate, contain, coDamages arising out of the loss of, loss of treat, detoxify or neutralize or in use of, damage to, corruption of, inability any way respond to or assess the C> to access, or inability to manipulate effects of an "asbestos hazard'; or "electronic data" (c) Anse out of any claim or suit for r—��.....-..-..• o..b.a...-1 o.�.,a:rnc trn anPC hPrniicP of tP4iinn for C> "Bodily injury" or"personal and advertising monitoring, cleaning up, removing, Ln encapsulating, containing, treating, injury to: tn 1 A person arising out of an detoxifying or neutralizing or in any ( ) P 9 y• way responding to or assessing the `; (a) Refusal to employ that person, effects of an"asbestos hazard" o (b) Termination of that person's t. Violation Of Statutes That Govern E- 'i employment, or Mails, Fax, Phone Calls Or Other * (c) Employment-related practices, Methods Of Sending Material Or policies, acts or omissions, such as Information coercion, demotion, evaluation, "Bodily injury", "property damage", or reassignment, discipline, "personal and advertising injury" arising defamation, harassment, humiliation directly or indirectly out of any action or or discrimination directed at that omission that violates or is alleged to person,or violate: (2) The spouse, child, parent, brother or (1) The Telephone Consumer Protection sister of that person as a Act (fCPA), including any amendment consequence of "bodily injury" or of or addition to such law, "personal and advertising injury" to the (2) The CAN-SPAM Act of 2003, including person at whom any of the any amendment of or addition to such employment-related practices law; or described in Paragraphs (a), (b), or(c) above is directed. (3) Any statute, ordinance or regulation, other than the TCPA or CAN-SPA NA Act This exclusion applies: of 2003, that prohibits or limits the (1) Whether the insured may be liable as sending, transmitting, communicating or an employer or in any other capacity, distribution of material or information and Damage To Premises Rented To You — (2) To any obligation to share damages Exception For Damage By Fire, Lightning with or repay someone else who must or Explosion pay damages because of the injury. Exclusions c. through In. and k. through o. do s. Asbestos not apply to damage by fire, lightning or (1) "Bodily injury", "property damage" or explosion to premises rented to you or "personal and advertising injury" temporarily occupied by you with permission of arising out of the "asbestos hazard" the owner A separate Limit of Insurance applies to this coverage as described in (2) Any damages, judgments, settlements, loss, costs expenses that Section D. - Liability And Medical Expenses Limits Of Insurance Form SS 00 08 04 05 Page 9 of 24 BUSINESS LIABILITY COVERAGE FORM 2. Applicable To Medical Expenses Coverage e. A trust, you are an insured. Your trustees We will not pay expenses for"bodily injury"- are also insureds, but only with respect to a Any insured their duties as trustees To any insured,except"volunteer workers" 2- Each of the following is also an insured- b. Hired Person a. Employees And Volunteer Workers To a person hired to do work for or on behalf Your "volunteer workers" only while of any insured or a tenant of any insured performing duties related to the conduct of your business, or your "employees", other C. Injury On Normally Occupied Premises than either your"executive officers" (if you To a person injured on that part of are an organization other than a premises you own or rent that the person partnership, joint venture or limited liability normally occupies company) or your managers (if you are a d. Workers' Compensation And Similar limited liability company), but only for acts Laws within the scope of their employment by To a person, whether or not an you or while performing duties related to "ernolnuPP" of nnu incitrnrf if ivcnoffc fnr the conduct of your business the "bodily injury" are payable or must be However, none of these "employees" or provided under a workers' compensation "volunteer workers" are insureds for- or disability benefits law or a similar law (1) "Bodily injury" or "personal and e. Athletics Activities advertising injury" To a person injured while practicing, (a) To you, to your partners or instructing or participating in any physical members (if you are a partnership exercises or games, sports or athletic or joint venture), to your members contests (if you are a limited liability f. Products-Completed Operations Hazard company), or to a co-"employee" while in the course of his or her Included with the "products-completed employment or performing dutie, operations hazard" related to the conduct of you. g. Business Liability Exclusions business, or to your other Excluded under Business Liability Coverage. "volunteer workers" while performing duties related to the C. WHO IS AN INSURED conduct of your business, 1. If you are designated in the Declarations as, (b) To the spouse, child, parent, a. An individual, you and your spouse are brother or sister of that co- insureds, but only with respect to the "employee" or that "volunteer conduct of a business of which you are the worker' as a consequence of sole owner. Paragraph (1)(a) above, b, A partnership or joint venture, ,you are an (c) For which there is any obligation insured. Your members, your partners, and to share damages with or repay their spouses are also insureds,but only with someone else who must pay respect to the conduct of your business. damages because of the injury C. A limited liability company, you are an described in Paragraphs (1)(a) or insured_ Your members are also insureds, (b) above, or but only with respect to the conduct of your (d) Arising out of his or her providing business Your managers are insureds, but or failing to provide professional only with respect to their duties as your health care services managers If you are not in the business of d. An organization other than a partnership, providing professional health care pint venture or limited liability company, you services, Paragraph (d) does not apply are an insured Your"executive officers"and to any nurse, emergency medical directors are insureds, but only with respect technician or paramedic employed by to their duties as your officers or directors. you to provide such services Your stockholders are also insureds, but only (2) "Property damage" to property: with respect to their liability as stockholders_ (a) Owned, occupied or used by, Page 10 of 24 Form SS 00 08 04 05 CSUJIIV CJJ LI/1OIL1{ 1 l.V V GRNIJG rVR1Y1 (b) Rented to, in the care, custody or b. Coverage under this provision does not control of, or over which physical apply to, control is being exercised for any (1) "Bodily intu,y" or "property damage" purpose by you, any of your that occurred, or "employees" "volunteer workers", „�__ h r any partner or member (if you are (2) "Personal and advertising i. ,u,,I arising out of an offense committed a parttnership or joint Ve,^,tL're), or any member (if you are a irm becre ned ` y^u a,-Uired or formeed d fhe liability company). organization. b. Real Estate Manager 4. Operator Of Mobile Equipment Any person (other than your"employee"or With respect to "mobile equipment' registered in "volunteer worker,), or any organization your name under any motor vehicle registration m while acting as your real estate manager. law, any person is an insured while driving such equipment along a public highway with your o c. Temporary Custodians Of Your permission Any other person or organization Property responsible for the conduct of such person is Cl-m Any person or organization having proper also an insured, but only with respect to liability o temporary custody of your property if you arising out of the operation of the equipment, and to die, but only only if no other Insurance of any kind is available dn` (1) With respect to liability arising out of the to that person or organization for this liability. maintenance or use of that property,and However, no person or organization is an insured `14 n (2) Until your legal representative has with respect to o been appointed a. 'Bodily injury" to a co-"employee" of the d. Legal Representative If You Die person driving the equipment, or Your legal representative if you die, but b. "Property damage" to property owned by, only with respect to duties as such That rented to, in the charge of or occupied by representative will have all your rights and you or the employer of any person who is an Insured under this provision. duties under this insurance. e. Unnamed Subsidiary 5. Operator of Nonowned Watercraft Any subsidiary and subsidiary thereof, of With respect to watercraft you do not own that yours which is a legally Incorporated entity is less than 51 feet long and is not being used of which you own a financial interest of to carry persons for a charge, any person is an tin such watercraft with _ are than 50% of the voting stock on the insured while operating r m g effective date of this Coverage Part your permission Any other person or The insurance afforded herein for any organization responsible for the conduct of subsidiary not shown in the Declarations such person also an insured, but only with respect to liability lity arising out of the operation as a named insured does not apply to injury or damage with respect to which an of the watercraft, and only if no other insurance of any kind is available to that insured under this insurance is also an insured under another policy or would be person or organization for this liability an insured under such policy but for its However, no person or organization is an termination or upon the exhaustion of its insured with respect to, _ limits of insurance. a. "Bodily injury" to a co-"employee" of the 3. Newly Acquired Or Formed Organization person operating the watercraft, or Any organization you newly acquire or form, b. 'Property damage" to property owned by, other than a partnership, joint venture or rented to, in the charge of or occupied by limited liability company, and over which you you or the employer of any person who is maintain financial interest of more than 50% of an insured under this provision _ the voting stock, will qualify as a Named 6. Additional Insureds When Required By Insured if there is no other similar insurance Written Contract, Written Agreement Or available to that organization_ However Permit a. Coverage under this provision is afforded The person(s) or organization(s) identified in only until the 180th day after you acquire Paragraphs a. through f. below are additional or form the organization or the end of the insureds when you have agreed, in a written policy period, whichever is earlier; and Form SS 00 08 04 05 Page 11 of 24 BUSINESS LIABILITY COVERAGE FORM contract, written agreement or because of a (e) Any failure to make such permit issued by a state or political inspections, adjustments, tests or subdivision, that such person or organization servicing as the vendor has be added as an additional insured on your agreed to make or normail policy, provided the injury or damage occurs undertakes to make in the usual subsequent to the execution of the contract or course of business, in connection agreement, or the issuance of the permit with the distribution or sale of the A person or organization is an additional products, insured under this provision only for that (f) Demonstration, installation, period of time required by the contract, servicing or repair operations, agreement or permit except such operations performed at the vendor's premises in However, no such person or organization is an connection with the sale of the additional insured under this provision if such product; person or organization is included as an additional insured by an endorsement issued (g) Products which, after distribution by us and made a pail of this Coverage Part, or sale by you, have been labeled ri..rl.n.. .,u _.. _.,�_., nr ralahaiaii nr ..cn.i �� in ....J :�.. r�.���.�-. .� Ciy^3�:c'.0 uv'u3 o�a�.:a, container, part or ingredient of any as additional insureds under the specific additional insured coverage grants in Section other thing or substance by or for F.—Optional Additional Insured Coverages the vendor; or a. Vendors (h) "Bodily injury" or "property ; damage" arising out of the sole Any person(s) or organization(s) (referred to negligence of the vendor for its below as vendor), but only with respect to own acts or omissions or those of "bodily injury" or "property damage" arising its employees or anyone else out of "your products" which are distributed acting on its behalf However,this or sold in the regular course of the vendor's exclusion does not apply to_ business and only if this Coverage Part provides coverage for "bodily injury" or (i) The exceptions contained m "property damage" included within the Subparagraphs (d)or (f), "products-completed operations hazard" (ii) Such inspections, adjustments, (1) The insurance afforded to the vendor tests or servicing as the vendor is subject to the following additional has agreed to make or normally exclusions: undertakes to make in the usual course of business, in This insurance does not apply to: connection with the distribution (a) "Bodily injury" or "property or sale of the products. damage" for which the vendor is (2) This insurance does not apply to any obligated to pay damages by insured person or organization from reason of the assumption of whom you have acquired such products, liability in a contract or agreement_ or any ingredient, part or container, This exclusion does not apply to entering into, accompanying or liability for damages that the containing such products. vendor would have in the absence of the contract or agreement, b. Lessors Of Equipment (b) Any express warranty (1) Any person or organization from unauthorized by you; whom you lease equipment, but only with respect to their liability for "bodily (c) Any physical or chemical change injury", "property damage" or in the product made intentionally "personal and advertising injury" by the vendor, caused, in whole or in part, by your (d) Repackaging, except when maintenance, operation or use of unpacked solely for the purpose of equipment leased to you by such inspection, demonstration, testing, person or organization. or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container, Page 12 of 24 Form SS 00 09 04 05 BUSINESS LIAIiILI I T UUV LKAUt rUKIVI (2) With respect to the insurance afforded e. Permits Issued By State Or Political to these additional insureds, this Subdivisions Insurance does not apply to any (1) Any state or pollucal subdivision, but "occurrence" which takes place after only with respect to operations yo11 cease to lease that equipment performed by you or on your behalf for c. Lessors Of Land Or Premises which the state or political subdivision 11' An person or organization from nas Issued a permit. l ) y p- organization whom you lease land or premises, but (2) With respect to the insurance afforded only with respect to liability arising out to these additional Insureds, this of the ownership, maintenance or use Insurance does not apply to: of that part of the land or premises (a) "Bodily Injury", "property damage" leased to you. or "personal and advertising (2) With respect to the insurance afforded Injury" arising out of operations o to these additional Insureds, this performed for the state or Insurance does not apply to municipality, or m fal Anv "occurrence" which takes (b) "Bodily injury" or"property damage" o place after you cease to lease that included within the "products- land or be a tenant in that completed operations hazard" LO premises, or f. Any Other Party ] (b) Structural alterations, new (1) Any other person or organization who ,`; construction or demolition is not an insured under Paragraphs a. 0 operations performed by or on through e. above, but only with 11 behalf of such person or respect to liability for "bodily Injury", organization- "property damage" or "personal and d. Architects, Engineers Or Surveyors advertising injury" caused, In whole or (1) Any architect, engineer, or surveyor, but in part, by your acts or omissions or only with respect to I1a6111ty for "bodily the acts or omissions of those acting Injury", "property damage" or "personal on your behalf and advertising injury" caused, in whole (a) In the performance of your or in part, by your acts or omissions or ongoing operations, the acts or omissions of those acting on (b) In connection with your premises your behalf: owned by or rented to you, or (a) In connection with your premises; (c) In connection with "your work" and or included within the "products- (b) In the performance of your completed operations hazard", but ongoing operations performed by only if you or on your behalf (i) The written contract or written (2) With respect to the Insurance afforded agreement requires You to to these additional insureds, the provide such coverage to following additional exclusion applies such additional insured, and This insurance does not apply to (ii) This Coverage Part provides "bodily injury", "property damage" or coverage for "bodily Injury" or "personal and advertising Injury" "property damage" included ansing out of the rendering of or the within the "products- _ failure to render any professional completed operations hazard". services by or for you, Including (2) With respect to the insurance afforded (a) The preparing, approving, or to these additional insureds, this failure to prepare or approve, insurance does not apply to maps, shop drawings, opinions, "Bodily Injury", "property damage" or reports, surveys, field orders, "personal and advertising Injury" change orders, designs or arising out of the rendering of, or the drawings and specifications, or failure to render, any professional (b) Supervisory, Inspection, architectural, engineering or surveying architectural or engineering services, including: activities Form SS 00 08 04 05 Page 13 of 24 BUSINESS LIABILITY COVERAGE FORM (a) The preparing, approving, or This General Aggregate limit does not failure to prepare or approve, apply to "property damage" to premises maps, shop drawings, opinions, while rented to you or temporarily reports, surveys, field orders, occupied by you with permission of t' change orders, designs or owner, arising out of `ire, lightning of drawings and specifications, or explosion. (b) Supervisory, inspection, 3. Each Occurrence Limit architectural or engineering Subject to 2.a. or 2.b above, whichever activities. applies, the most we will pay for the sum of all The limits of insurance that apply to additional damages because of all "bodily injury", insureds are described in Section D. — Limits "property damage" and medical expenses Of Insurance. arising out of any one "occurrence" is the How this insurance applies when other Liability and Medical Expenses Limit shown in insurance is available to an additional insured the Declarations is described in the Other Insurance Condition The most we will pay for all medical expenses in Section E.—Liability And Medical Expenses because of "bodily injury" sustained by any General Conditions one person is the Medical Expenses Limit No person or organization is an insured with shown in the Declarations respect to the conduct of any current or past 4. Personal And Advertising Injury Limit partnership, joint venture or limited liability Subject to 2.b. above, the most we will pay for company that is not shown as a Named Insured in the sum of all damages because of all the Declarations "personal and advertising injury" sustained by D. LIABILITY RIGID MEDICAL EXPENSES any one person or organization is the Personal LIMITS OF INSURANCE and Advertising Injury Limit shown in the Declarations 1. The Most We Will Pay 5. Damage To Premises Rented To You Limit The Limits of Insurance shown in the The Damage To Premises Rented To Yr Declarations and the rules below fix the most Limit is the most we will pay under Busine� we will pay regardless of the number of Liability Coverage for damages because of a. Insureds, "property damage" to any one premises, while b. Claims made or"suits" brought, or rented to you, or in the case of damage by fire, C. Persons or organizations making claims or lightning or explosion, while rented to you or bringing "suits". temporarily occupied by you with permission of the owner. 2. Aggregate Limits The most will pay for. In the case of damage by fire, lightning or explosion, the Damage to Premises Rented To a. Damages because of "bodily injury" and You Limit applies to all damage proximately "property damage" included in the caused by the same event, whether such "products-completed operations hazard" is damage results from fire, lightning or explosion the Products-Completed Operations or any combination of these. Aggregate Limit shown in the 6. How Limits Apply To Additional Insureds Declarations The most we will pay on behalf of a person or b. Damages because of all other "bodily organization who is injury", "property damage" or "personal and advertising injury", including medical under this Coverage Parrtt is the lesser of additional insured expenses, is the General Aggregate Limit a. The limits of insurance specified to a shown in the Declarations. written contract, written agreement or permit issued by a stale or political This General Aggregate Limit applies subdivision, or separately to each of your "locations' owned by or rented to you. b. The Limits of Insurance shown in the "Location" means premises involving the Declarations same or connecting lots, or premises Such amount shall be apart of and not whose connection is interrupted only by a addition to the Limits of Insurance shown in street, roadway or right-of-way of a the Declarations and described in this Section railroad. Page 14 of 24 Form SS 00 08 04 05 IJ VJVLVv �.�v.r.• . v �....� If more than one limit of insurance under this =. (1) Immediately send us copies of any policy and any endorsements attached thereto demands, notices, summonses or applies to any claim or"suit", the most we will pay legal papers received in connection Under this policy and the endorsements is the with the claim or"sun", single Nghest I,mit of liability of all coverages (2) Authorize us to obtain records and applicable to such claim or "suit" However, this other information, paragraph does not apply to the Medical Expenses (3) Cooperate with us in the investigation, limit set forth in Paragraph 3. above settlement of the claim or defense The Limits of Insurance of this Coverage Part apply against the "suit", and separately to each consecutive annual period and to (4) Assist us, upon our request, in the any remaining period of less than 12 months, starting enforcement of any right against any with the beginning of the policy period shown in the person or organization that may be o Declarations, unless the policy period is extended liable to the insured because of injury 01 after issuance for an additional period of less than 12 or damage to which this insurance C> months. In that case, the additional period will be may also apply deemed part of the last preceding period for purposes d. obligations At The Insured's Own Cost .+f i-lefermrnnn the I,mats of insi irancp No insured will, except at tnat insurea s own E. LIABILITY AND MEDICAL EXPENSES cost, voluntarily make a payment, assume in GENERAL CONDITIONS any obligation, or incur any expense, other 1. Bankruptcy than for first aid,without our consent Ln Bankruptcy or insolvency of the insured or of e. Additional Insured's Other Insurance o the insured's estate will not relieve us of our If we cover a claim or "suit" under this obligations under this Coverage Part. Coverage Part that may also be covered 2. Duties In The Event Of Occurrence, by other insurance available to an Offense, Claim Or Suit additional insured, such additional insured a. Notice Of Occurrence Or Offense must submit such claim or "suit" to the other insurer for defense and indemnity You or any additional insured must see to However, this provision does not apply to t that we are notified as soon as the extent that you have agreed in a practicable of an "occurrence" or an written contract, written agreement or offense which may result in a claim To permit that this insurance is primary and the extent possible, notice should include non-contributory with the additional (1) How, when and where the "occurrence" insured's own insurance or offense took place; f. Knowledge Of An Occurrence, Offense, (2) The names and addresses of any Claim Or Suit injured persons and witnesses, and Paragraphs a. and b. apply to you or to (3) The nature and location of any injury any additional insured only when such or damage arising out of the "occurrence", offense, claim or "suit" is "occurrence"or offense known to. b. Notice Of Claim (1) You or any additional insured that is If a claim is made or "suit" is brought an individual, against any insured, you or any additional (2) Any partner, if you or an additional insured must insured is a partnership; (1) Immediately record the specifics of the (3) Any manager, if you or an additional claim or "suit" and the date received; insured is a limited liability company, and (4) Any "executive officer" or insurance (2) Notify us as soon as practicable. manager, if you or an additional _ You or any additional insured must see to insured is a corporation, it that we receive a written notice of the (5) Any trustee, if you or an additional ® claim or"suit" as soon as practicable insured is a trust, or c. Assistance And Cooperation Of The (6) Any elected or appointed official, if you Insured or an additional insured is a political You and any other involved insured must: subdivision or public entity Form SS 00 08 04 05 Page 15 of 24 BUSINESS LIABILITY COVERAGE FORM This Paragraph f. applies separately to (3) We have issued this policy in reliance you and any additional insured. upon your representations. 3. Financial Responsibility Laws be. Unintentional Failure To Disclos- a. When this policy is certified as proof of Hazards financial responsibility for the future under If unintentionally you should fail to disclose the provisions of any motor vehicle all hazards relating to the conduct of your fi,^,ancial res- risibility law, uie insurance business at the inception date of this provided by the policy for "bodily injury" Coverage Part, we shall not deny any liability and "property damage" liability will coverage under this Coverage Part comply with the provisions of the law to because of such failure. the extent of the coverage and limits of 7, Other Insurance insurance required by that law If other valid and collectible insurance is b. With respect to "mobile equipment" to available for a loss we cover under this which this insurance applies, we will Coverage Part, our obligations are limited as provide any liability, uninsured motorists, follows: underinsured motorists, no-fault or other _ coverage iequiieo uy any motor venicie law We will provide the required limits for This insurance is primary except when b. those coverages. below applies If other insurance is also 4. Legal Action Against Us primary, we will share with all that other No person or organization has a right under insurance by the method described in c. this Coverage Form: below. a. To join Lis as a party or otherwise bring us b. Excess Insurance into a "suit" asking for damages from an This insurance is excess over any of the insured, or other insurance, whether primary, excess, b. To sue us on this Coverage Form unless contingent or on any other basis all of its terms have been fully complied (1) Your Work with I I .. That is Fire, Extended Coverag A person or organization may sue us to recover Builder's Risk, Installation Risk or on an agreed settlement or on a final judgment similar coverage for"your work", against an insured; but we will not be liable for (2) Premises Rented To You darnages that are not payable under the terms of this insurance or that are in excess of the That is fire, lightning explosion applicable limit of insurance An agreed insurance for premises rented you settlement means a settlement and release of or temporarily occupied by youu with liability signed by us, the insured and the permission of the owner, claimant or the claimant's legal representative. (3) Tenant Liability 6. Separation Of Insureds That is insurance purchased by you to Except with respect to the Limits of In cover your liability as a tenant for and any rights or duties specifically assigned to you damage" to premises rented in this policy to the first Nam with Insured, this you or temporarily occupied by you ith permission of the owner, insurance applies. w a. As if each Named Insured were the only (4) Aircraft, Auto Or Watercraft Named Insured, and If the loss arises out of the maintenance b. Separately to each insured against whom or use of aircraft, "autos"or watercraft to a claim is made or"suit" is brought. the extent not subject to Exclusion g- of Section A.-Coverages. 6. Representations (5) Property Damage To Borrowed a. When You Accept This Policy Equipment Or Use Of Elevators By accepting this policy, you agree: If the loss arises out of "property (1) The statements in the Declarations damage" to borrowed equipment or are accurate and complete, the use of elevators to the extent nc (2) Those statements are based upon subject to Exclusion k. of Section A.- representations you made to us; and Coverages. Page 16 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE 1-UKlvl (6) When You Are Added As An When this Insurance is excess over other Additional Insured To Other insurance, we will pay only our share of Insurance the amount of the loss, if any, that That is other insurance available to exceeds the sum of: you covering liability for damages (1) The total amount that all such other arising out of the premises or Insurance would pay for the loss in the operations, or products and completed absence of this insurance; and operations, for which you have been (2) The total of all deductible and self- added as an additional insured by that insured amounts under all that other insurance, or insurance. (7) When You Add Others As An We wiN share the remaining loss, if any,with Additional Insured To This any other insurance that is not described in m Insurance this Excess Insurance provision and was not N o That is other Insurance available to an bought specifically to apply in excess of the additional insured Limits of Insurance shown in the m N1141PVPr tha fnllnwinn nrovisions Declarations of this Coverage Part. o apply to other insurance available to c. Method Of Sharing Ln any person or organization who is an If all the other insurance permits � additional insured under this Coverage contribution by equal shares,we will follow M Part: this method also. Under this approach, (a} Primary Insurance When each insurer contributes equal amounts o Required By Contract until it has paid Its applicable limit of o insurance or none of the loss remains, + This insurance is primary if you * have agreed in a written contract, whichever comes first written agreement or permit that If any of the other insurance does not permit this insurance be primary If other contribution by equal shares, we will insurance is also primary, we will contribute by limits Under this method, each share with all that other Insurance Insurer's share is based on the ratio of Its by the method described in C. applicable limit of insurance to the total below. applicable limits of Insurance of all Insurers (b) Primary And Non-Contributory 8. Transfer Of Rights Of Recovery Against To Other Insurance When Others To Us Required By Contract a. Transfer Of Rights Of Recovery If you have agreed in a written If the insured has rights to recover all or contract, written agreement or part of any payment, including permit that this insurance is Supplementary Payments, we have made primary and non-contributory with under this Coverage Part, those rights are the additional insured's own transferred to us. The insured must do insurance, this insurance is nothing after loss to impair them At our primary and we will not seek request, the insured will bring "suit" or contribution from that other transfer those rights to us and help us ®_ insurance enforce them This condition does not Paragraphs (a) and (b) do not apply to apply to Medical Expenses Coverage -= other insurance to which the additional b. Waiver Of Rights Of Recovery (Waiver insured has been added as an Of Subrogation) additional insured If the insured has waived any rights of When this insurance is excess, we will recovery against any person or have no duty under this Coverage Part to organization for all or part of any payment, defend the insured against any "suit" if any including Supplementary Payments, we other insurer has a duty to defend the have made under this Coverage Part, we insured against that "suit" If no other also waive that right, provided the insured insurer defends, we will undertake to do waived their rights of recovery against so, but we will be entitled to the insured's such person or organization in a contract, rights against all those other insurers agreement or permit that was executed prior to the injury or damage Form SS 00 08 04 05 Page 17 of 24 BUSINESS LIABILITY COVERAGE FORM F. OPTIONAL ADDITIONAL INSURED 3. Additional Insured-Grantor Of Franchise COVERAGES MO IS AN INSURED under Section C. is If listed or shown as applicable in the Declarations, amended to include as an additional insurr one or more of the following Optional Additional the person(s) or organization(s) shown in tl Insured Coverages also apply_ When any of these Declarations as an Additional Insured - Optional Additional insured Coverages apply, Grantor Of Franchise, but only with respect to Paragraph o. (Additional Insureds VVnen Required their liability as grantor of franchise to you by Wntten Contract, Written Agreement or Permit) 4. Additional Insured - Lessor Of Leased of Section C., Who Is An Insured, does not apply Equipment to the person or organization shown in the a_ WHO IS AN INSURED under Section C. is Declarations These coverages are subject to the amended to include as an additional terms and conditions applicable to Business insured the person(s) or organization(s) Liability Coverage in this policy, except as shown in the Declarations as an Additional provided below Insured — Lessor of Leased Equipment, 1. Additional Insured - Designated Person Or but only with respect to liability for "bodily Organization injury", "property damage" or "personal WHO IS AN INSURED under Section C. is and advertising injury" caused, in whole or amended to include as an additional insured in part, by your maintenance, operation or the person(s) or organization(s) shown in the use of equipment leased to you by such Declarations, but only with respect to liability person(s) or organization(s) for "bodily injury", "property damage" or b. With respect to the insurance afforded to "personal and advertising injury" caused, in these additional insureds, this insurance whole or in part, by your acts or omissions or does not apply to any "occurrence" which the acts or omissions of those acting on your takes place after you cease to lease that behalf equipment a. In the performance of your ongoing 5. Additional Insured - Owners Or Other operations, or Interests From Whom Land Has Beer b. In connection with your premises owned Leased by or rented to you. a. WHO IS AN INSURED under Section C. is 2. Additional Insured - Managers Or Lessors amended to include as an additional Of Premises insured the person(s) or organization(s) shown in the Declarations as an Additional a. WHO IS AN INSURED under Section C. is Insured — Owners Or Other Interests From amended to include as an additional insured Whom Land Has Been Leased, but only the person(s) or organization(s)shown in the with respect to liability arising out of the Declarations as an Additional Insured - ownership, maintenance or use of that part Designated Person Or Organization, but only of the land leased to you and shown in the with respect to liability arising out of the Declarations ownership, maintenance or use of that part of the premises leased to you and shown in the b. With respect these additional the insurance afforded to Declarations al insureds, the following additional exclusions apply b. With respect to the insurance afforded to This insurance does not apply to: these additional insureds, the following additional exclusions apply. (1) Any 'occurrence" that takes place This insurance does not apply to after you cease to lease that land, or (1) Any "occurrence" which takes place (2) Structural alterations, new after you cease to be a tenant in that construction or demolition operations premises, or performed by or on behalf of such (2) Structural alterations, new person or organization construction or demolition operations 6. Additional Insured - State Or Political performed by or on behalf of such Subdivision—Permits person or organization a. WHO IS AN INSURED under Section C. r amended to include as an additional insured the state or political subdivision shown in the Declarations as an Additional Page 18 of 24 Form SS 00 08 04 05 Insured — State Or Political Subdivision - (e) Any failure to make such Permits, but only with respect to inspections, adjustments, tests or operations performed by you or on your servicing as the vendor has agreed behalf for which the state or political to marke or norinally undertakes to subd! 1s1on has Issued a permit make in tie usLia' course of b. With respect to the insurance afforded to business, in connection with the these additional insureds, the following distribution or sale of the products, additional exclusions apply: (f) Demonstration, insiaiiation, servicing or repair operations, This insurance does not apply to: except such operations performed (1) "Bodily injury", "property damage" or at the vendors premises in "personal and advertising injury" connection with the sale of the r arising out of operations performed for product; 0° the state or municipality, or (g) Products which, after distribution C) (2) "Bodily injury" or "property damage" or sale by you, have been labeled included in the "product-completed or relabeled or used as a m operations" hazard. container, part or ingredient of any 0 7. Additional Insured—Vendors other thing or substance by or for '1 the vendor, or I^ a. WHO IS AN INSURED under Section C.is c f' amended to include as an additional (h) "Bodily injury" or "property x insured the person(s) or organization(s) damage' arising out of the sole N (referred to below as vendor) shown in the negligence of the vendor for its C> Declarations as an Additional Insured - own acts or omissions or those of Vendor, but only with respect to "bodily its employees or anyone else injury" or"property damage" arising out of acting on its behalf However, this "your products" which are distributed or exclusion does not apply to, sold in the regular course of the vendor's (i) The exceptions contained in business and only if this Coverage Part Subparagraphs (d) of (0, or provides coverage for "bodily injury" or "property damage" included within the (ii) Such inspections, "products-completed operations hazard"_ adjustments, tests or servicing as the vendor has agreed to b. The insurance afforded to the vendor is make or normally undertakes subject to the following additional exclusions: to make in the usual course of (1) This insurance does not apply to business, in connection with (a) "Bodily injury" or "property the distribution or sale of the damage" for which the vendor is products. obligated to pay damages by (2) This insurance does not apply to any reason of the assumption of insured person or organization from liability in a contract or agreement. whom you have acquired such _ This exclusion does not apply to products, or any ingredient, part or liability for damages that the container, entering into, vendor would have in the absence accompanying or containing such of the contract or agreement, products (b) Any express warranty 8. Additional Insured —ControllingInterest unauthorized by you; WHO IS AN INSURED under Section C. is (c) Any physical or chemical change amended to include as an additional insured in the product made intentionally the person(s) or organization(s) shown in the ®_ by the vendor, Declarations as an Additional Insured — (d) Repackaging, unless unpacked Controlling Interest, but only with respect to solely for the purpose of inspection, their liability arising out of demonstration, testing, or the a. Their financial control of you; or substitution of parts under b. Premises they own, maintain or control instructions from the manufacturer, while you lease or occupy these premises and then repackaged in the original container, Form SS 00 08 04 05 Page 19 of 24 BUSINESS LIABILITY COVERAGE FORM This insurance does not apply to structural The limits of insurance that apply to additional alterations, new construction and demolition insureds are described in Section D. — Limits Of ope,ations performed by of for That person or Insurance. organization. How this insurance applies when other insuranL 9. Additional insured — O wners, Lessees Or is availaole to an additional insured is described in Contractors — Scheduled Person Or the Other Insurance Condition in Section E. — Organization Liability And Medical Expenses General a. WHO IS AN INSURED under Section C. is Conditions amended to include as an additional G. LIABILITY AND MEDICAL EXPENSES insured the person(s) or organization(s) DEFINITIONS shown in the Declarations as an Additional Insured—Owner, Lessees Or Contractors, 1. "Advertisement" means the widespread public but only with respect to liability for "bodily dissemination of information or images that injury", "property damage" or "personal has the purpose of inducing the sale of goods, and advertising injury" caused, in whole or products or services through. in part, by your acts or omissions or the a. (1) Radio; artc or nmiccinnc of thne. �.•i.n, e.^, yc r behalf (" ) Television; (3) Billboard; (1) In the performance of your ongoing ( ) Magazine; operations for the additional insured(s); or (5) Newspaper; (2) In connection with "your work" b. The Internet, but only that part of a web performed for that additional insured site that is about goods, products or and included within the "products- services for the purposes of inducing the completed operations hazard", but sale of goods, products or services, or only if this Coverage Part provides c. Any other publication that is given coverage for "bodily injury" or widespread public distribution. "property damage" included within the However, "advertisement"does not include "products-completed operations a. The design, printed material, information hazard" or images contained in, on or upon the b. With respect to the insurance afforded to packaging or labeling of any goods or these additional insureds, this insurance products; or does not apply to "bodily injury", "property damage" or "personal an advertising b. An interactive conversation between or injury" arising out of the rendering of, or among persons through a computer network. the failure to render, any professional 2. "Advertising idea" means any idea for an architectural, engineering or surveying "advertisement"_ services, including. 3. "Asbestos hazard" means an exposure or (1) The preparing, approving, or failure to threat of exposure to the actual of alleged prepare or approve, maps, shop properties of asbestos and includes the mere drawings, opinions, reports, surveys, presence of asbestos in any form field orders, change orders, designs or 4. "Auto" means a land motor vehicle, trailer or drawings and specifications, or semi-trailer designed for travel on public (2) Supervisory, inspection, architectural roads, including any attached machinery or or engineering activities equipment But "auto" does not include 10. Additional Insured — Co-Owner Of Insured "mobile equipment". Premises 5. "Bodily injury" means physical. WHO IS AN INSURED under Section C. is a. Injury, amended to include as an additional insured b. Sickness, or the person(s) or Organization(s) shown in the c. Disease Declarations as an Additional Insured — Co- Owner Of Insured Premises, but only with sustained by a person and, if arising out of the respect to their liability as co-owner of the above, mental anguish or death at any time premises shown in the Declarations 6. "Coverage territory" means Page 20 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE r-UKivi a. The United States of America (including its b. You have failed to fulfill the terms of a territories and possessions), Puerto Rico contract or agreement, and Canada, if such property can be restored to use by: b. International waters or airspace, but only if a. The repair, replacement, adjustment or the injury or damage occurs in the course removal of "your produce' or "your wort of travel or transportation between any or places included in a_ above; fit. the t f 4t, t r4 b. Your fulfilling flit terms 0 Lim CC i.ra . Cf c. All other pans of the world if the injury or agreement. damage anses out of 12. "Insured contract" means: (1) Goods or products made or sold by you a. A contract for a lease of premises. in the temtory described in a. above, However, that portion of the contract for a cco o p lease of premises that indemnifies any m (2) The activities of a person whose home M is in the territory described in a person or organization for damage by fire, C) above, but is away for a short time on lightning or explosion to premises while your business, or rented to you or temporanly occupied by °' _ ..._ ;, . r you with Dermission of the owner is G (.ij "i=cib�6bi aria. a....,�..`....y i.^.,.�., 0 offenses that take place through the subject to the Damage To Premises 14 Internet or similar electronic means of Rented To You limit described in Section Ln communication D. — Liability and Medical Expenses Limits X of Insurance. N provided the insureds responsibility to pay LO N damages is determined in the United States of b. A sidetrack agreement; o America (including its territories and c. Any easement or license agreement, 1-1 possessions), Puerto Rico or Canada, in a including an easement or license * "suit" on the merits according to the agreement in connection with construction substantive law in such territory, or in a or demolition operations on or within 50 settlement we agree to. feet of a railroad, 7. "Electronic data" means information, facts or d. Any obligation, as required by ordinance, programs. to indemnify a municipality, except in a. Stored as or on; connection with work for a municipality, —. b. Created or used on; or e. An elevator maintenance agreement; or c. Transmitted to or from f. That part of any other contract or computer software, including systems and agreement pertaining to your business applications software, hard or floppy disks, (including an indemnification of a CD-ROMS, tapes, drives, cells, data municipality in connection with work —' processing devices or any other media which performed for a municipality) under which are used with electronically controlled you assume the tort liability of another equipment party to pay for "bodily injury" or "properly damage"to a third person or organization, 8. Employee includes a leased worker" provided the "bodily injury" or "property "Employee" does not include a "temporary damage" is caused, in whole or in part, by worker'. you or by those acting on your behalf 9. "Executive officer' means a person holding Tort liability means a liability that would be any of the officer positions created by your imposed by law in the absence of any charter, constitution, by-laws or any other contract or agreement similar governing document. Paragraph f. includes that part of any ® 10. "Hostile fire" means one which becomes contract or agreement that indemnifies a uncontrollable or breaks out from where it was railroad for "bodily injury" or "property intended to be damage" arising out of construction or 11. "Impaired property" means tangible property, demolition operations within 50 feet of any other than "your product" or "your work", that railroad property and affecting any railroad cannot be used or is less useful because. bridge or trestle, tracks, road-beds, tunnel, a. It incorporates "your product" or "your work" underpass Or crossing that is known or thought to be defective, However, Paragraph f does not include deficient, inadequate or dangerous,or that part of any contract or agreement. Form SS 00 08 04 05 Page 21 of 24 BUSINESS LIABILITY COVERAGE FORM (1) That indemnifies an architect, (1) Power cranes, shovels, loaders, engineer or surveyor for injury or diggers or drills, or damage arising out of (2) Road construction or resurfacir (a) Preparing, approving or failing to equipment such as graders, scrape prepare or approve maps, shop or rollers, drawings, opinions, reports, e. Vehicles not described in a., b., c., or d. surveys, field orders, change above that are not self-propelled and are orders, designs or drawings and maintained primarily to provide mobility to specifications, or permanently attached equipment of the (b) Giving directions or instructions, following types- or fading to give them, if that is the (1) Air compressors, pumps and primary cause of the injury or generators, including spraying, damage; or welding, budding cleaning, (2) Under which the insured, if an geophysical exploration, lighting and architect, engineer or surveyor, well servicing equipment; or assumes liability for an injury or rz) rh.o aamage arising out of the insured's y y v `�Y1ceS used to raise or lower workers, rendering or failure to render professional services, including those f. Vehicles not described in a., b., c., or d. listed in (al above and supervisory, above maintained primarily for purposes inspection, architectural or other than the transportation of persons or cargo. engineering activities. 13. "Leased worker" means a person leased to However, self-propelled vehicles with the you by a labor leasing firm under an following types of permanently attached agreement between you and the labor leasing equipment are not "mobile equipment" but firm,to perform duties related to the conduct of will be considered "autos": your business "Leased worker" does not (1) Equipment, of at least 1,000 pounds t,a0 include a "temporary worker". gross vehicle w,-�eght, designE, 14. "Loading or unloading" means the handling of primarily for. property_ (a) Snow removal; a. After it is moved from the place where it is (b) Road maintenance, but not accepted for movement into or onto an construction or resurfacing, or aircraft, watercraft or"auto"; (c) Street cleaning, b. While it is in or on an aircraft, watercraft or (2) Cherry pickers and similar devices "auto"; or mounted on automobile or truck c. While it is being moved from an aircraft, chassis and used to raise or lower watercraft or"auto" to the place where it is workers; and finally delivered, (3) Air compressors, pumps and but "loading or unloading" does not include the generators, including spraying, movement of property by means of a mechanical welding, building cleaning, device, other than a hand trick, that is not geophysical exploration, lighting and attached to the aircraft,watercraft or"auto". well servicing equipment 15. "Mobile equipment" means any of the following 16. "Occurrence" means an accident, including types of land vehicles, including any attached continuous or repeated exposure to substantially machinery or equipment: the same general harmful conditions a. Bulldozers, farm machinery, forklifts and 17. "Personal and advertising injury" means injury, other vehicles designed for use principally including consequential "bodily injury", arising off public roads; out of one or more of the following offenses. b. Vehicles maintained for use solely on or a. False arrest, detention or imprisonment, next to premises you own or rent, b. Malicious prosecution; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, on which are permanently mounted Page 22 of 24 Form SS 00 08 04 05 c. The wrongful eviction from, wrongful entry Work that may need service, maintenance, into, or invasion of the right of private correction, repair or replacement, but occupancy of a room, dwelling or which is otherwise complete, will be Premises that the person occupies, treated as completed. committed by or on behalf of its owner, The "bodily injury" or "property damage" landlord or lessor, must occur away from premises you own d. Oral, written or electronic publication of or rent, unless your business includes the material that slanders or libels a person or selling, handling or distribution of "your organization or disparages a person's or product" for consumption on premises you organization's goods, products or services; own or rent e. Oral, written or electronic publication of b. Does not include "bodily injury" or material that violates a person's right of "property damage" arising out of Nprivacy; (1) The transportation of property, unless o f. Copying, in your "advertisement", a the injury or damage arises out of a person's or organization's "advertising condition in or on a vehicle not owned m idea" or style of"advertisement", or operated by you, and that condition nr g. Infringement of copyright, slogan, or title of ::as c:c='e' h j + o i _a g - any literary or artistic work, in your unloading" of that vehicle by any � "advertisement"; or insured; or Ln x h. Discrimination or humiliation that results in (2) The existence of tools, uninstalled equipment or abandoned or unused injury to the feelings or reputation of aLn N natural person materials. CD 11 18. "Pollutants" means any solid, liquid, gaseous or 20. "Property damage" means: _X thermal irritant or contaminant, including smoke, a. Physical injury to tangible property, _ vapor, soot, fumes, acids, alkalis, chemicals and including all resulting loss of use of that waste. Waste includes materials to be recycled, property. All such loss of use shall be reconditioned or reclaimed deemed to occur at the time of the 19. "Products-completed operations hazard"; physical injury that caused it, or ma a. Includes all "bodily injury' and "property b. Loss of use of tangible property that is not damage" occurring away from premises physically injured All such loss or ose you own or rent and arising out of "your shall be deemed to occur at the time of product" or"your work" except. "occurrence"that caused it. (1) Products that are still in your physical As used in this definition, "electronic data" is possession, or not tangible property. (2) Work that has not yet been completed 21. "Suit" means a civil proceeding in which or abandoned However, "your worts" damages because of "bodily injury", "property will be deemed to be completed at the damage" or "personal and advertising injury" earliest of the foliowipg times: to which this insurance applies are alleged (a) When all of the work called for in "Butt"includes: your contract has been completed. a. An arbitration proceeding in which such (b) When all of the work to be done at damages are claimed and to which the insured must submit or does submit with the job site has been completed if your contract calls for work at our consent; or more than one job site b. Any other alternative dispute resolution (c) When that part of the work done at proceeding in which such damages are claimed and to which the insured submits a job site has been put to its with our consent intended use by any person or organization other than another 22. "Temporary worker" means a person who is contractor or subcontractor furnished to you to substitute for a permanent working on the same project "employee" on leave or to meet seasonal or short-term workload conditions 23. "Volunteer worker" means a person who a. Is not your"employee", Form SS 00 08 04 05 Page 23 of 24 BUSINESS LIABILITY COVERAGE FORM b. Donates his or her work; (2) The providing of or failure to provide c. Acts at the direction of and within the warnings or instructions_ scope of duties determined by you, and c. Does not include vending machines or d. is not paid a fee, salary or other other property rented to or located for tf compensation by you or anyone else for use of others but not sold. their won performed for you 25. "Your work" 24. "Your product" a. Means: a. Means: (1) Work or operations performed by you (1) Any goods or products, other than real or on your behalf, and property, manufactured, sold, handled, (2) Materials, parts or equipment distributed or disposed of by. furnished in connection with such work (a) You; or operations. (b) Others trading under your name; b. Includes: or (1) Warranties or representations made at (c) A person or organization whose anv time with respect to the fitness business or assets you have quality, durability, performance or use acquired. and of"your work", and (2) Containers (other than vehicles), (2) The providing of or failure to provide materials, parts or equipment warnings or instructions furnished in connection with such goods or products b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use Of"your product", and Page 24 of 24 Form SS 00 08 04 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAt—17:F LLY. STOP G Ar - E IF-1- I ERS LlydD11_IT�:' COVERAGE ENDORSEMENT - WASHINGTON 0 N This endorsement modifies insurance provided under the following 0 BUSINESS LIABILITY COVERAGE FORM co rF: R`in"ininnr by arririant" nr"hnddy A. The following is aaded toScC i iGiS A. :—; =-, •.-•: o COVERAGES injury by disease" arises out of and � COVERAGE-STOP GAP-EMPLOYERS LIABILITY in the course of the injured employee's" employment by you, in x 1. Insuring Agreement and Ln a. We will pay those sums that the insured (c) "Employee", at the time of the o becomes legally obligated by Washington injury, was covered under a Law to pay as damages because of "bodily workers' compensation policy and injury by accident" or "bodily injury by subject to a "workers' compensation disease" to your "employee" to which this law" of Washington, and insurance applies We will have the right (2) (a) "Bodily injury by accident" is caused and duty to defend the insured against any by an accident that occurs during ®_ "suit" seeking those damages However, Elie policy period; or = we will have no duty to defend the insured against any "suit" seeking damages to (b) "Bodily injury by disease" is caused which this insurance does not apply We by or aggravated by conditions of may, at our discretion, investigate any employment by you and the injured accident and settle any claim or "suit" that "employee's" last day of last may result But: exposure to the conditions causing (1) The amount we will pay for damages is or aggravating such "bodily injury — by disease" occurs during the policy limited as described in Section D. LIABILITY AND MEDICAL EXPENSES period. LIMITS OF INSURANCE; and c. The damages we will pay, where recovery is (2) Our right and duty to defend end when permitted by law, include damages we have used up the applicable limit of (i) For which you are liable to a third party by insurance in the payment of judgments reason of a claim or"suit" against you by or settlements under this coverage that third party to recover the damages No other obligation or liability to pay sums or claimed against such third party aS a perform acts or services is covered unless result of injury to your"employee'; explicitly provided for under Coverage (2) For care and loss of services, and Extension-Supplementary Payments. (3) For consequential "bodily injury by b. This insurance applies to "bodily injury by accident" or"bodily injury by disease"to accident" or "bodily injury by disease" only if a spouse, child, parent, brother or sister the requirements of (1) and (2) below are of the injured "employee"; satisfied: provided that these damages are the direct (1) (a) "Bodily injury by accident" or"bodily consequence of "bodily injury by accident" injury by disease" takes place in the, or "bodily injury by disease" that arises out "coverage territory", of and in the course of the injured "employee's" employment by you, and Form SS 41 02 04 05 Page 1 of 4 0 2005, The Hartford (4) Because of"bodily injury by accident" or because of your failure to secure your "bodily injury by disease" to your obligations or other failure to comply with "employee" that apses out of and ,n the any"workers'compensation law" course of employment, daitt?ed against h. Violation Of Age Laws Or Employment you in a capacity other than as employer. Of ivnnors 2. Exclusions "Bodily injury by accident" or Dodiiy injury This insurance does not apply to- by disease" suffered or caused by any a. Intentional Injury person. "Bodily injury by accident" or"bodily injury by (1) Knowingly employed by you in violation disease" intentionally caused or aggravated of any law as to age;or by you, or"bodily injury by accident" or"bodily (2) Under the age of 14 years, regardless injury by disease" resulting from an act which of any such law. is determined to have been committed by you i. Federal Laws if it was reasonable to believe that an injury was substantially certain to occur. Any premium, assessment, penalty, fine, ii. Tines Or Penalties � ' _, ✓ by or granted pursuant to: Any assessment, penalty, or fine levied by (1) The Federal Employer's Liability Act (45 any regulatory inspection agency or authority. USC Section 51-60); c. Statutory Obligations (2) The Non-appropriated Fund Any obligation of the insured under a workers' Instrumentalities Act (5 USC Sections compensation, occupational disease, disability 8171-8173), benefits or unemployment compensation law (3) The Longshore and Harbor Workers' or any similar law Compensation Act (33 USC Sections d. Contractual Liability 901-950); Liability assumed by you under any contract (4) The Outer Continental Shelf Lands Act or agreement. (43 USC Section 1331-1356a); e. Violation Of Law (5) The Defense Base Act (42 USt- "Bodily injury by accident" or "bodily injury by Sections 1651-1654); disease"suffered or caused by any employee (6) The Federal Mine Safety and Health Act while employed in violation of law with your of 1977 (30 USC 801 et seq ), which actual knowledge or the actual knowledge of includes the Black Lung Benefits any of your"executive officers" Reform Act of 1977 (30 USC Sections f. Termination, Coercion Or Discrimination 901-944), Damages arising out of any_ (7) The Migrant and Seasonal Agricultural Worker Protection Act (29 USC (1) CoerGon, criticism, demotion, evaluation, Sections 1801-1872); reassignment, discipline, defamation, harassment, humiliation, discnminauon (R) ". other workers' compensation, against or termination of any "employee"; unemployment compensation or or disability laws or any similar law, or (2) Other employment or personnel-related (9) Any subsequent amendments to the decisions, practices, policies, acts or laws listed above. omissions j. Punitive Damages g. Failure To Comply With Workers' Multiple, exemplary or punitive damages. Compensation Law k. Crew Members "Bodily injury by accident" or "bodily injury "Bodily injury by accident" or "bodily injury by disease"to an"employee"when you are: by disease" to a master or member of the (1) Deprived of common law defenses, or crew of any vessel or any member of the (2) Otherwise subject to penalty; flying crew of an aircraft. Page 2 of 4 Form SS 41 02 04 05 B. The Coverage Extension - Supplementary Payments 4. Subject to Paragraph D 3 of this endorsement, provisions apply to Coverage — Stop Gap Employes the BODILY INJURY BY DISEASE - EACH Liabinty as well as to Business Uab;Lty Coverage EMPLOYEE Limit shown in the Declarations is C. For the purposes of this endorsement, SECTICP4 C. the most we will pay for all damages because of WHO iS AN INSURED, is replaced by the "bodily injury by disease' to any one hn�n gng, "employee". fC If you are designated in the Declarations as: The limits of the coverage apply separately to each consecutive annual penod and to any remaining 1. An individual, you and your spouse are period of less than 12 months, starting with the insureds, but only with respect to the conduct of beginning of the policy period shown in the a business of which you are the sole owner Declarations, unless the policy period is extended 2. A partnership or joint venture, you are an after issuance for an additional period of less than C°4 insured. Your members, your partners, and their 12 months. In that case, the additional period will o spouses are also insureds, but only with respect be deemed part of the last preceding period for to the conduct of your business purposes of determining the Limits of Insurance. m 3. A limited liability company, you are an insured E. For the purposes of this endorsement, the Duties In 14 Your members are also insureds, but only wan ine Event vrvcc� r� �z, �•�•••• —. 1-4 respect to the conduct of your business Your Condition (SECTION E. - LIABILITY AND MEDICAL � managers are insureds, but only with respect to EXPENSES GENERAL CONDITIONS), is deleted Ln their duties as your managers and replaced by the following: N 4. An organization other than a partnership, joint 2. Duties In The Event Of Injury, Claim Or Suit N venture or limited liability company, you are an a. You must see to it that we or our agent are o insured Your "executive officers" and directors notified as soon as practicable of a "bodily are insureds, but only with respect to their injury by accident" or "bodily injury by duties as your officers or directors. Your disease" which may result in a claim To stockholders are also insureds, but only with the extent possible, notice should include, respect to their liability as stockholders. (1) How, when and where the "bodily injury No person or organization is an insured with respect by accident" or "bodily injury by to the conduct of any current or past partnership, disease"took place, joint venture or limited liability company that is not shown as a Named Insured in the Declarations (2) The names and addresses of any injured persons ana witnesses, acid D. For the purposes of this endorsement, SECTION D. _ - LIABILITY AND MEDICAL EXPENSES LIMITS OF (3) The nature and location of any injury. INSURANCE, is replaced by the following- b. If a claim is made or "suit" is brought 1. The Limits of Insurance shown in the against any insured, you must — Declarations and the rules below fix the most (1) Immediately record the specifics of the _ we will pay regardless of the number of. claim or "suit" and the date received, _ a. Insureds; and ^ h n (2) Notify us as soon as practicable u. i.lai,TiS ma+l Cr ;tc r..�n S u .. .. �t�t; or c. Persons or organizations making claims or You must see to it that we receive written bringing "suits" notice of the claim or "suit" as soon as practicable 2. The BODILY INJURY BY ACCIDENT - EACH ACCIDENT Limit shown in the Declarations is C. You and any other involved insured must the most we will pay for all damages covered by (1) Immediately send us copies of any _ this insurance because of "bodily injury by demands, notices, summonses or legal accident" to one or more "employees" in any papers received in connection with the one accident injury, claim, proceeding or"suit"; 3. The BODILY INJURY BY DISEASE - POLICY (2) Authorize us to obtain records and other LIMIT shown in the Declarations is the most we information, will pay for all damages covered by this (3) Cooperate with us and assist us, as we insurance and arising out of "bodily injury by may request, in the investigation or disease", regardless of the number of settlement of the claim or defense "employees" who sustain "bodily injury by against the "suit', disease" Form SS 41 02 04 05 Page 3 of 4 (4) Assist us, upon our request, in the provided the insured's responsibility to pay damages enforcement of any right against any is determined to the United States (including ttQ person or organization which may be terttones and possessions), Puerto Rico, liable to the insured because of injury to Canada, rn a suit on the menus according to thu which this insurance may also apply; substaptrve law in such territory, or in a settlement and we agree to, (5) Do nothing after an injury occurs that G. The following definitions are added to SECTION G. would interfere with our right to recover - LIABILITY AND MEDICAL EXPENSES from others DEFINITIONS- d. No insured will, except at that insured's own 1. "Workers' Compensation Law' means the cost, voluntarily make a payment, assume Workers' Compensation Law, any Occupational any obligation, or incur any expense, other Disease Law, or similar laws of Washington than for first aid, without our consent This does not include provisions of any law F. For the purposes of this endorsement, the definition providing non-occupational disability benefits of "coverage territory" (SECTION G. - LIABILITY 2. "Bodily injury by accident" means bodily injury, AND MEDICAL EXPENSES DFFINITinntSl _:�kres� cr d,ssasa sus;am, _d by a person, replaced by the following: including death, resulting from an accident. A "Coverage territory" means: disease is not "bodily injury by accident" unless 1. The United States of America (including its it results directly from "bodily injury by accident" territories and possessions), Puerto Rico and 3. "Bodily injury by disease" means a disease Canada; sustained by a person, including death "Bodily injury by disease" does not include a disease 2. International waters or airspace, but only if the that results directly from an accident injury or damage occurs in the course of travel or transportation between any places included H. For the purposes of this endorsement, the definition to 1. above, or of "bodily injury' (SECTION G. - LIABILITY AND 3. All other parts of the world if the injury or MEDICAL EXPENSES DEFINITIONS) does notapply - damage arises out of the activities of a person whose home is in the territory described to 1. above, bt,t who is away for a short time on your business, Page 4 of 4 Form SS 41 02 04 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT -AREFULLY. ��;® ;; Leze F �'{ �� CTQ OF TERRnR1,PA This endorsement modifies insurance provided under the following: N N BUSINESS LIABILITY COVERAGE FORM o OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM co A. With respect to any one or more "certified acts of 1. Tne act resulted 1�1 aay y Ia o'te losses ;--1excess � terrorism", we will not pay any amounts for which of$5 million, and � we are not responsible under the terms of the 2. The act is a violent act or an act that is "' federal Terrorism Risk Insurance Act of 2002 dangerous to human life, property or (including subsequent acts of Congress pursuant to infrastructure and is committed by an individual Ln the Act) due to the application of any clause which or individuals acting on behalf of any foreign o results in a cap on our liability for payments for person or foreign interest, as part of an effort to 'A terrorism losses. coerce the civilian population of the United rl � B. "Certified act of terrorism" means an act that is States or to influence the policy or affect the certified by the Secretary of the Treasury, in conduct of the United States Government by _ concurrence with the Secretary of State and the coercion. Attorney General of the United States, to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act of 2002 The federal Terrorism Risk Insurance Aci of 2002 sets forth the following _-- criteria for a "certified act of terrorism" Form SS 50 30 06 03 Page 1 of 1 © 2003, The Hartford Policy Number: 52 SBM UK5451 I.R.A.PORTANT INOTICE To POLII-yH0LnERS DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT OF 2002 rm M rn �i SCHEDULE _m o Ln In w Terrorism Premium (Certified Acts): $5. 00 U) a N to N 0 O O N x A. Disclosure Of Premium C. C. LIMITATION ON PAYMENT OF TERRORISM In accordance with the federal Terrorism Risk LOSSES Insurance Act of 2002, we are required to provide Applies to policies which cover terrorism losses you with a notice disclosing the portion of your insured under the federal program, including those premium, if any, attributable to coverage for terrorist which only cover fire losses acts certified under that Act. The portion of your The provisions of the Terrorism Risk Insurance Act premium attributable to such coverage is shown in of 2002 can limit our maximum liability for payment the Schedule of this disclosure or in the policy of losses from certified acts of terrorism That Declarations determination will be based on a formula set forth in B. Disclosure Of Federal Participation In Payment the law involving the national total of federally -- OfTerrorisritLosses Insured tOnVnJm losses �n a.. annual p,.,,.d and The United States Government, Department of the individual insurer participation in payment of such Treasury, will pay a share of terrorism losses losses If one or more certified acts of terrorism in insured under the federal program The federal an annual period causes the maximum liability for share equals 90% of that portion of the amount of payment of losses from certified acts of terrorism to such insured losses that exceeds the applicable be reached, and we have satisfied our required level insurer retention of payments under the law, then we will not pay for the portion of such losses above that maximum. However, that is subject to possible change at that time, as Congress may, under the Act, determine that payments above the cap will be made Form SS 83 80 06 03 Page 1 of 1 © 2003, The Hartford Process Date: 11/20/06 Policy Expiration Date: 01/02/08 • L KI CIVIL AUTHORITY M <r m J C> 0 to NEW LM41TATIONS HAVE BEEN ADDED TO YOUR SPECTRUM POLICY. YOU SHOULD REVIEW YOUR POLICY Ln AND CONTACT YOUR HARTFORD AGENT OR YOUR BROKER IF YOU HAVE ANY QUESTIONS. Ln N O o Under the Standard Property Coverage Form,iorm SS 00 06,and the Special Property Coverage Form, form SS 00 07, N * whichever applies to this policy, the Additional Coverage, Civil Authority, is revised to include a 72-hour waiting period Coverage is restricted with coverage provided not until a 72-hour period has elapsed following the order of a Civil Authority. Please contact your agent or broker for further information. Form SS 83 7210 02 Pagel of 1 0 2002,The Hartford INIPORTANTINIOTICETIOV SPECTRWl.M t'ABILITY FORMS This is not your policy. On renewal, your Business Liability Coverage Form will be replaced by a revised, 2005 edition. This disclosure describes the major changes found in the revised coverage form. For those of you who have purchased Spectrum Umbrella LO coverage, changes to the Umbrella Liability Provisions are also described in this notice. This notice also describes changes that have been made in several Spectrum endorsements, and how changes in those endorsements may impact your insurance Fhn., =ro +4arhnrl fn vnur r)nlicV_ 'A Please read the policy carefully to determine rights, duties and coverage. Only the Ln provisions of your policy determine the scope of your insurance protection. Changes summarized below are general in nature. The coverage forms, however, may CN contain further changes or modifications, so it remains necessary for you to read your 0 policy closely. Please contact your agent, broker or representative for further information. 0 Business Liability Coverage Form SS 00 08 04 05 A. Revisions in SECTION A., COVERAGES 1. The Insuring Agreement has been revised to state that the insurance provided by the Business Liability Coverage Form will not respond to cover injury or damage that is known by the insured prior to the policy period It has never been our intent to provide coverage under such circumstances, so these changes represent neither a broadening nor restriction in coverage from the original intent However, due to reasonings in some court cases, these revisions may result in a restriction in coverage in some jurisdictions The revisions may result in the shifting of coverage, under certain circumstances, between an insured's current policy and past or future policies 2. We have removed the PROFESSIONAL SERVICES COVERAGES subsection in its entirety. The coverages afforded in that subsection impacted relatively few policyholders, and we decided that those coverages would instead be provided by separate endorsements issued to those specific policyholders B. Revisions in SECTION B., EXCLUSIONS 1. Exclusion f., Pollution _ The Pollution Exclusion currently includes an exception for bodily injury arising out of smoke f:emes, \iapors or soot from budding heating equipment In this revision, we will include cooling and dehumidifying equipment ® in the exception to the Pollution Exclusion, as those pieces of equipment have similar exposures to building heating equipment in that they can emit various toxins, including carbon monoxide or nitrogen dioxide This revision results in a broadening of coverage. 2. Exclusion i.,War The current War Exclusion has been revised to expand its scope beyond contractually assumed liabilities and medical payments. Due to the broader nature of this exclusion, a specific Medical Expenses Exclusion is no longer needed, so Exclusion 2.h. of form SS 00 08 has been removed The revisions in the War Exclusion result in a restriction of coverage 3. Exclusion j., Professional Services a. We have amended the lead-in language of the exclusion to restate our intent that we will not cover injury or damage arising out of any professional services We have also made editorial changes to some of the provisions to better illustrate examples of what are considered professional services. Form SS 3819 04 05 Page 1 of 7 © 2005, The Hartford b. In the lead-in to this Paragraph, a provision has been added that states that a person or organization is an additional insured only for that period of time required by the contract or agreement c. In Subparagrapn f, me Any other Party clause states that liability in connectic^ vJfh the prcducts- compieted operations hazard is covered when required in a writterl contract This may be a broadening of coverage in ���ase states that g `� t h ' may not have interpreted the previous version as being sufficiently broad .; to include products-completed operations D. Revisions in SECTION D., LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE Paragraph 6., How Limits Apply To Additional Insureds has been added to state that the most we will pay on behalf of a person or organization who is an additional insured is the lesser of the limits of insurance specified in a written contract, written agreement, or permit, or the Limits of Insurance shown in the policy Declarations Under some circumstances, this change will result in a reduction of coverage to the additional insured, but there is no ko impact an the Limits of insurance available to you. � E. Revisions in SECTION E., LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS �4, I. Condition 2., Duties In The Event Of Occurrence, Offence, Claim Or Suit has been revised to reflect the m addition of duties that apply to the additional insured This condition was revised to clearly show that a failure 14 by the additional insured to provide the required notice ooes not affect coverage avdiiduie to you iri C. Paragraph e , Additional Insured's Other insurance, we have added a condition applying to additional � insureds that states that, if we cover a claim or suit that may also be covered by other insurance available to an additional insured, the additional insured must submit a claim or suit to the other insurer. N 2. Condition T., Other insurance has been amended to combine existing Other insurance language within SS N 00 OB, dealing with additional insureds, with a separate Other Insurance condition that was formerly located in o the Common Policy Conditions Other changes to this condition: N a. The When You Are Added As An Additional Insured To Other Insurance provision was revised to make the policy also apply as excess over other insurance for damages arising out of products and completed operations Previously, this applied only to premises or operations We have also extended this provision to apply at the policy level, not just when you are added as an additional insured to the policy of another by an endorsement This revision results in a broadening of coverage. b. The When You Add Others As An Additional insured To This Insurance provision was revised so that the policy continues to be primary and non-contributory, when required of you in a written contract, so that this coverage is not automatically negated for additional insureds added by endorsement This revision results in a broadening of coverage. 3. Condition B., Transfer Of Rights Of Recovery Against Others To Us has been amended to add a subparagraph titled Waiver Of Rights Of Recovery(Waiver Of Subrogation) This clause provides that we will waive any subrogation rights we may have against other parties when you have also waived such rights in a contract with them This waiver applies to supplementary payments we make in addition to any damages we pay on your behalf This revision results in a broadening of coverage. F. Revisions in SECTION F.,OPTIONAL ADDITIONAL INSURED COVERAGES n ,act- l I d-no i noted Pe so or rnani7 Finn r.duaiCia. i5:ira., �.^J.. r....n O.�_..._a_._._ Additional Insured—Lessor Of Leased Equipment Additional Insured—Vendors Additional Insured—Owners, Lessees Or Contractors—Scheduled Person Or Organization _ If one or more of the coverages listed above are included in your policy, there is coverage for a person or organization that you add as an additional insured on your policy only if the bodily injury, property damage or personal and advertising injury is caused in whole or in part by your acts or omissions or the acts or omissions of those working on your behalf There is no coverage for the additional insured for bodily injury, property damage or personal and advertising injury caused entirely by any negligence that is not attributable to you or those acting on your behalf. This may be a reduction in coverage in states where the law or the courts permit you to contractually hold harmless an additional insured for that additional insured's sole negligence Form SS 38 19 04 05 Page 3 of 7 E. Exclusion—Engineers, Architects Or Surveyors Professional Liability,form SS 05 06 04 05 In this form revision, the professional exclusion has been extended to apply to any insured or any engineering, architectural, or surveying firm performing work on ?he insured'; behalf Frev,eusly, d appl;ed only to you and any architect, engineer, or surveyor employed by you or performing work on your behalf in some situations, this is a restriction of coverage. F. ExciusIoin—Sexual Abuse yr 41010stab.^..n,f^.rri: CC 05 71 04 n-5 %While there are several changes in the form designed to illustrate the types of conduct that are excluded, the major changes are 1. The exclusion no longer applies only to the sexual abuse or molestation of a minor, it applies to any person; and 2. The form states that there is no coverage for any injury or damage arising out of the employment of, r` investigation of, supervision of, the reporting to authorities of (or failure to do so), the retention of, or the o'. failure to protect others from the conduct of, any person whose conduct would be subject to the sexual abuse or molestation exclusion. m T :_ a..-a.,. of I o G. Technology Services Coverage,form SS 40 58 04 05 (For Illinois policyholders,form S5 40 29 04 05 .-I Technology Services Coverage (Limited),form SS 40 59 04 05 (For Illinois policyholders, form SS 40 30 04 Ln 05) The form has been amended to add a limitation that there is no coverage for injury or damage arising out of Ln technology services involved with or related to- N 0 1. Emergency response systems or services, CQ 2. Medical diagnostic services or processes, or the establishment, maintenance, support or access of patient records, 3. Aviation, aerospace, or military applications or operations, 4. Pollution or environmental control,testing, monitoring or remediation, or 5. Physical security ncluoing but not limited to fire, sprinkler, smoke, burglar alarm or monitoring systems or acr.Pss control If you are involved in performing any of these type of technology services, and one of these forms is attached to your policy,this will be a restriction of coverage. H. Stop Gap -Employers Liability Coverage Endorsement -North Dakota,form SS 41 01 04 05 Stop Gap -Employers Liability Coverage Endorsement-Washington, form SS 41 02 04 05 Stop Gap- Employers Liability Coverage Endorsement-West Virginia,form SS 41 03 04 05 Stop Gap -Employers Liability Coverage Endorsement-Wyoming,form SS 41 04 04 05 If you are a policyholder in one of these states, and you have elected to purchase Stop Gap coverage, we have replaced your existing Stop Gap coverage form with a new, state-specific version These forms contain new exclusions for Torrninwinn, coercion Or Discrimination, Failure To Comply With Workers' Compensation Law, and Violation Of Age Laws Or Employment Of Minors. This is a restriction of _ coverage _ 1. Optical Goods Professional Services Coverage,form SS 41 05 04 05 This coverage, previously included within the Business Liability Coverage Form (SS 00 08), is now provided via a separate endorsement A new exclusion has been added, eliminating coverage for bodily injury arising out of surgery, including pre-operative and post-operative procedures. If your business includes the performance of _ such services,this is a restriction of coverage J. Funeral Director's Professional Services Coverage,form SS 41 09 04 05 This coverage, previously included within the Business Liability Coverage Form (SS 00 08), is now provided via a separate endorsement A new exclusion has been added, eliminating coverage for injury or damage arising out of a criminal act While it has never been our intention to provide insurance coverage for any criminal acts, due to reasonings in some court cases,this revision may result in a restriction in coverage in some jurisdictions. K. Druggist's Professional Services Coverage,form SS 41 11 04 05 This coverage, previously included within the Business Liability Coverage Form (SS 00 08), is now provided via a separate endorsement. Form SS 41 11 includes three new exclusions, eliminating coverage for bodily injury or property damage Form SS 38 119 04 05 Page 5 of 7 2. The Appeals Condition was revised to emphasize our intent that when a judgment is rendered in excess of the underlying insurance and we offer to pay our full share and you or your underlying insurer elect to appeal, •�,,, , i..d + e + tho �raginal I-i—ent and any adds innal uirinment that rnav arise the cost of Litt appeal, anew ing inter s, vn gay �u�y� ••-•• i I will be borne by you or your underlying insurer This was previously located in the Investigation. Defense, Settlement section of the Umbrella Liability Provisions. E. Revisions in SECTION VII—DEFINITIONS 1. The definition cf Damages has been revised to restate What is meant by damages. There is no change in coverage intent 2. The added or amended definitions of Asbestos Hazard, Bodily Injury, and Electronic Data in the Business Liability Coverage Form also apply to the Umbrella Liability Provisions. Changes To Endorsements Thal Modify The Umbrella Liability Provisions M All of the new or revised forms listed below, if attached to the renewal of your Umbrella Liability provisions, contain 0, changes in coverage as described below. `DCD A. Exclusion —Engineers, Architects Or Surveyors Professional Liability,form SX 21 13 04 05 In this form revision, the professional exclusion nas been exienoeo io apply io any engiriceiuig, arefiitBCiuiai, Jr 11 surveying firm performing work on your behalf In some situations,this is a restriction of coverage. IV B. Exclusion—Insurance And Related Operations, form SX 21 16 04 05 Ln 1. We have changed the lead-in language to Paragraph d. to restate our intent to exclude any professional N services, not lust those listed in the subparagraphs that follow. Due to reasonings in some court cases, this v revision may result in a restriction in coverage in some jurisdictions 0 2. We have made editorial changes to more specifically list some of the types of professional services that are N performed by insureds in insurance-related businesses C. Exclusion—Sexual Abuse Or Molestation,form SX 21 59 04 05 While there are several changes in the form designed to illustrate the types of conduct that are excluded, the major changes are. 1. The exclusion no longer applies only to the sexual abuse or molestation of a minor, it applies to any person; and 2. The form states that there is no coverage for any injury or damage arising out of the employment of, investigation of, supervision of, the reporting to authorities of (or failure to do so), the retention of, or the failure to protect others from the conduct of, any person whose conduct would be subject to the sexual abuse or molestation exclusion. This is a restriction of coverage. a— D. Exclusion—Volunteer Workers As Insureds, form SX 21 98 04 05 New language has been added to the Aircraft and Watercraft Exclusions to indicate that liability arising out of the ownership, maintenance or entrustment to others of any aircraft or watercraft operated by volunteer workers of the insured is excluded _ This revision may result in a reduction of coverage if you have volunteer workers who operate aircraft or watercraft not owned by, or rented or loaned to any insured Form SS 38 19 04 05 Page 7 of 7 C®ECTRUM i 1ARI1 ITT FORMS This is not your policy. On renewal, your Business Liability Coverage Form will be replaced by a revised, 2005 edition. This disclosure describes the major changes found in in the revised coverage form. For those of you who have purchased Spectrum Umbrella N coverage, changes to the Umbrella Liability Provisions are also described in this notice. This notice also describes changes that have been made in several Spectrum endorsements, and how changes in those endorsements may, impact your insurance m :f +hnir "a a4tarhP_rl fn vour nollcv. Please read the policy carefully to determine rights, duties and coverage. Only the in provisions of your policy determine the scope of your insurance protection. Changes summarized below are general in nature. The coverage forms, however, may contain further changes or modifications, so it remains necessary for you to read your o policy closely. Please contact your agent, broker or representative for further information. 0 4C Business Liability Coverage Form SS 00 08 04 05 A. Revisions in SECTION A., COVERAGES 1. The Insuring Agreement has been revised to state that the insurance provided by the Business Liability Coverage Form will not respond to cover injury or damage that is known by the insured prior to the policy period It has never been our intent to provide coverage under such circumstances, so these changes represent neither a broadening nor restriction in coverage from the original intent However, due to == reasonings in some court cases, these revisions may result in a restriction in coverage in some jurisdictions. The revisions may result in the shifting of coverage, under certain circumstances, between an insured's current policy and past or future policies. 2. We have removed the PROFESSIONAL SERVICES COVERAGES subsection in its entirety. The coverages afforded in that subsection impacted relatively few policyholders, and we decided that those coverages would instead be provided by separate endorsements issued to those specific policyholders. B. Revisions in SECTION B., EXCLUSIONS _ 1. Exclusion f., Pollution The Pollution Exclusion currently includes an exception for bodily in;u^, arising out of smoke, fumes, vapors or soot from build mg heating equipment In this revision, we will include cooling and dehumidifying equipment in the exception to the Pollution Exclusion, as those pieces of equipment have similar exposures to building heating equipment in that they can emit various toxins, including carbon monoxide or nitrogen dioxide. This revision results in a broadening of coverage 2. Exclusion i., War The current War Exclusion has been revised to expand its scope beyond contractually assumed liabilities and medical payments. Due to the broader nature of this exclusion, a specific Medical Expenses Exclusion is no _ longer needed, so Exclusion 2.h. of form SS 00 08 has been removed The revisions in the War Exclusion result in a restriction of coverage. 3. Exclusion j., Professional Services a. We have amended the lead-in language of the exclusion to restate our intent that we will not cover injury or damage arising out of any professional services We have also made editorial changes to some of the provisions to better illustrate examples of what are considered professional services Form SS 38 19 04 05 Page 1 of 7 © 2005,The Hartford t b. In the lead-in to this Paragraph, a provision has been added that states that a person or organization is an additional insured only for that penod of time required by the contract or agreement_ c. In Subparagraph f., the Any Other Pany ciaube states that liability in connection with the prodilrls- completed operations hazard is covered when required In a wr len contract This may be a broadening of coverage in those states that may not have interpreted the previous version as being sufficiently broad to include pro-ducts-completed operations D. Revisions in SECTION D., LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE Paragraph 6., How Limits Apply To Additional Insureds has been added to state that the most we will pay on behalf of a person or organization who is an additional insured is the lesser of the limits of insurance specified in a written contract, written agreement, or permit, or the Limits of Insurance shown in the policy Declarations Under some circumstances, this change will result in a reduction of coverage to the additional insured, but there is no N impact on the Limits of Insurance available to you o E. Revisions in SECTION E.,LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 1. Condition 2., Duties In The Event Of Occurrence, Offense, Claim Or Suit has been revised to reflect the m addlfinn of duties that aooly to the additional insured This condition was revised to clearly show that a failure � by the additional insured to provide the required notice does not arieu Guveidyc a o lablc .c ;c Ip ,_i Paragraph e., Additional insured's Other Insurance, we have added a condition applying to additional � insureds that states that, if we cover a claim or suit that may also be covered by other insurance available to X an additional insured, the additional insured must submit a claim or suit to the other insurer_ N 2. Condition 7., Other Insurance has been amended to combine existing Other Insurance language within SS N 00 08, dealing with additional insureds, with a separate Other Insurance condition that was formerly located in o the Common Policy Conditions. Other changes to this condition a. The When You Are Added As An Additional Insured To Other Insurance provision was revised to make the policy also apply as excess over other insurance for damages arising out of products and completed operations Previously, this applied only to premises or operations We have also extended this provision to apply at the policy level, not just when you are added as an additional insured to the policy of another by an endorsement This revision results in a broadening of coverage b. The When You Add Others As An Additional Insured To This Insurance provision was revised so that the policy continues to be primary and non-contributory, when required of you in a written contract so that this coverage is not automatically negated for additional insureds added by endorsement This revision results in a broadening of coverage. 3. Condition G., Transfer Of Rights Of Recovery Against Others To Us has been amended to add a subparagraph titled Waiver Of Rights Of Recovery (Waiver Of Subrogation)_ This clause provides that we will waive any subrogation rights we may have against other parties when you have also waived such rights in a contract with them This waiver applies to supplementary payments we make in addition to any damages we pay on your behalf This revision results in a broadening of coverage F. Revisions in SECTION F,,OPTIONAL ADDITIONAL INSURED COVERAGES d PaisGn 0%,0--ni—tinn — Additional insured-Designated ��,��,. .�, ...�..... -.-•. Additional Insured- Lessor Of Leased Equipment Additional Insured —Vendors Additional Insured —Owners, Lessees Or Contractors —Scheduled Person Or Organization _ If one or more of the coverages listed above are included in your policy, there is coverage for a person or _ organization that you add as an additional insured on your policy only if the bodily injury, property damage or personal and advertising injury is caused in whole or in part by your acts or omissions or the acts or omissions of those working on your behalf, There is no coverage for the additional insured for bodily injury, property damage or personal and advertising injury caused entirely by any negligence that is not attributable to you or those acting on your behalf This may be a reduction in coverage in states where the law or the courts permit you to contractually hold harmless an additional insured for that additional insured's sole negligence Form SS 33 19 04 05 Page 3 of 7 E. Exclusion — Engineers,Architects Or Surveyors Professional Liability,form SS 05 06 04 05 in this form revision, the professional exclusion has been extended to apply to any insured or any engineering, architectural, or surveying firm performing worK on the insured's behalf previously, :t applied only to you and any architect, engineer,or surveyor employed by you or performing work on your behalf. In some situations, this is a restriction of coverage F. Exclusion —Sexual Abuse Or A":,lestatian.,form SS 05 d 5 710. 0 While there are several changes in the form designed to illustrate the types of conduct that are excluded, the major changes are. I. The exclusion no longer applies only to the sexual abuse or molestation of a minor; it applies to any person, and r' 2. The form states that there is no coverage for any injury or damage arising out of. the employment of, N investigation of, supervision of, the reporting to authorities of (or failure to do so), the retention of, or the o failure to protect others from the conduct of, any person whose conduct would be subject to the sexual abuse or molestation exclusion. ca r..•_IJ :_J Q III i ci i�3u.......:. ....._.—� i G. Techrtelegy Services Coverage,form SS 40 58 04 05(For Illinois policyholders,form SS 40 29 04 05) Ln Technology Services Coverage (Limited),form SS 40 59 04 05 (For Illinois policyholders, form SS 40 30 04 .411 05) NThe form has been amended to add a limitation that there is no coverage for injury or damage arising out of in technology services involved with or related to: N 0 1. Emergency response systems or services; 2. Medical diagnostic services or processes, or the establishment, maintenance, support or access of patient records, 3. Aviation, aerospace, or military applications or operations; 4. Pollution or environmental control,testing, monitoring or remediation;or 5. Physical security including but not limited to fire, sprinkler, smoke, burglar alarm or monitoring systems or access control If you are involved in performing any of these type of technology services, and one of these forms is attached to your policy, this will be a restriction of coverage H. Stop Gap - Employers Liability Coverage Endorsement-North Dakota,form SS 41 01 04 05 Stop Gap -Employers Liability Coverage Endorsement-Washington,form SS 41 02 04 05 Stop Gap -Employers Liability Coverage Endorsement -West Virginia,form SS 41 03 04 05 Stop Gap -Employers Liability Coverage Endorsement-Wyoming, form SS 41 04 04 05 If you are a policyholder in one of these states, and you have elected to purchase Stop Gap coverage, we have replaced your existing Stop Gap coverage form with a new,state-specific version These forms contain new exclusions for Termination, Coercion Or Discrimination, Failure To Comply With Workers' Compensation Law, and Violation Of Age Laws Or Employment Of Minors. This is a restriction of coverage. 1. Optical Goods Professional Services Coverage, form SS 41 05 04 05 —' This coverage, previously included within the Business Liability Coverage Form (SS 00 08), is now provided via a separate endorsement. A new exclusion has been added, eliminating coverage for bodily injury arising out of surgery, including pre-operative and post-operative procedures. if your business includes the performance of such services,this is a restriction of coverage _ J. Funeral Director's Professional Services Coverage,form SS 41 09 04 05 _ This coverage, previously included within the Business Liability Coverage Form (SS 00 08), is now provided via a separate endorsement. A new exclusion has been added, eliminating coverage for injury or damage arising out of a criminal act While it has never been our intention to provide insurance coverage for any criminal acts, due to reasonings in some court cases,this revision may result in a restriction in coverage in some jurisdictions K. Druggist's Professional Services Coverage, form SS 41 11 04 05 This coverage, previously included within the Business Liability Coverage Form (SS 00 08), is now provided via a separate endorsement. Form SS 41 11 includes three new exclusions, eliminating coverage for bodily injury or property damage Form SS 38 19 04 05 Page 5 of 7 2. The Appeals Condition was revised to emphasize our Intent that when a judgment is rendered in excess of the underlying Insurance and we offer to pay our full share and you or your underlying Insurer elect to appeal, the cost of the appeal, including Interest u❑ the original judgment ar,d any additional h!dgment that may anse will be borne by you or your underlying insurer This was previously located in the Investigation. Defense, Settlement section of the Umbrella Liability Provisions. E. Revisions ;n SECTION VII—DEFINITIONS 1. The definition of Damages has been revised to restate what is meant by damages. There is no change in coverage intent 2. The added or amended definitions of Asbestos Hazard, Bodily Injury, and Electronic Data in the Business Liability Coverage Form also apply to the Umbrella Liability Provisions. co Changes To Endorsements That Modify The Umbrella Liabilib, Provisions All of the new or revised forms listed below, if attached to the renewal of your Umbrella Liability provisions, contain changes in coverage as described below m A Exclusion — Engineers,Architects Or Surveyors Professional Liability, form SX 21 13 04 05 � In this form revision, the professional exclusion has been extended to apply to any engineering, arciiitectural, or 1i surveying firm performing work on your behalf. In some situations,this is a restriction of coverage � B. Exclusion — Insurance And Related Operations,form SX 21 16 04 05 to x 1. We have changed the lead-in language to Paragraph d. to restate our intent to exclude any professional N services, not lust those listed in the subparagraphs that follow Due to reasonings in some court cases, this N revision may result in a restriction in coverage in some jurisdictions. C>-t 2. We have made editorial changes to more specifically list some of the types of professional services that are * performed by insureds in insurance-related businesses C. Exclusion —Sexual Abuse Or Molestation,form SX 21 59 04 05 While there are several changes in the form designed to illustrate the types of conduct that are excluded, the major changes are 1. The exclusion no longer applies only to the sexual abuse or molestation of a minor, it applies to any person; _ and 2. The form states that there is no coverage for any injury or damage arising out of. the employment of, investigation of, supervision of, the reporting to authorities of (or failure to do so), the retention of, or the failure to protect others from the conduct of, any person whose conduct would be subject to the sexual abuse or molestation exclusion This is a restriction of coverage. e D. Exclusion—Volunteer Workers As Insureds,form SX 21 98 04 05 New language has been added to the Aircraft and Watercraft Exclusions to indicate that liability arising out of the ownership, maintenance or entrustment to others of any aircraft or watercraft operated by volunteer workers _ of the insured is excluded This revision may result in a reduction of coverage if you have volunteer workers who operate aircraft or watercraft not owned by, or rented or loaned to any insured Form SS 38 19 04 05 Page 7 of 7 POLICY NUMBER: 52 SBMUK5451 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR vOLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT.. THIS ENDORSEiviENT DOES KNOT GRANT ANY COVERAGE OR GRANT zr-��v CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE PO—LiCY. DISCLOSURE PURSU^NT TO TERROR-ISM DISK to INSURANCE ACT ca C=>i SCHEDULE Ln N "' N Terrorism Premium (Certified Acts): O H y $5.00 rn _ A. Disclosure Of Premium B Disclosure Of Federal Participation In Payment In accordance with the federal Terrorism Risk Of Terrorism Losses Insurance Act, we are required to provide you with a The United States Government, Department of the notice disclosing the portion of your premium, if any, Treasury, will pay a share of terrorism losses attributable to coverage for terrorist acts certified insured under the federal program For losses under that Act The portion of your premium occurring in 2006, the federal share equals 90% of attributable to such coverage is shown in the that portion of the amount of such insured losses Schedule of this endorsement or in the policy that exceeds the applicable insurer retention. For Declarations losses occurring in 2007, the federal share equals 85 0' ol` that portion of iiie amount Of s-"'- incftrefl losses that exceeds the applicable insurer retention. Form SS 83 76 02 06 Page 1 of 1 © 2006,The Hartford Process Date: 11/20/06 Policy Expiration Date: 01/02/08 � w. r.csa c� `�F�. IMPORTANT IMUTICE i � To help ,your insurance keep pace with increasing costs, we have increased your amount of insurance . . . giving you o better protection in case of either a partial,or total loss to your property. If you feel the new amount is not the proper one, please contact your agent or broker. G O r-1 0 LO <r Ln N LI'7 N O O s—f c•1 Form PC-374-0 Printed in U.S A. rn CIVIL AUTHORITY 0 m Q c-I Q .-i � NEW LIMITATIONS HAVE BEEN ADDED TO YOUR SPECTRUM POLICY. YOU SHOULD REVIEW YOUR POLICY Ln AND CONTACT YOUR HARTFORD AGENT OR YOUR BROKER IF YOU HAVE ANY QUESTIONS. N Ln N O r' Under the Standard Property Coverage Form,form SS 00 06,and the Special Property Coverage Form,form SS 00 07, m * whichever applies to this policy, the Additional Coverage, Civil Authority, is revised to include a 72-hour waiting period. Coverage is restricted with coverage provided not until a 72-hour period has elapsed following the order of a Civil Authority. Please contact your agent or broker for further information. Form SS 83 72 10 02 Page 1 of 1 0 2002,The Hartford