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HomeMy WebLinkAboutPW09-268 - Amendment - #1 - G. B. McCaughan and Associates - Horseshoe Bend Levee Repair - 12/10/2010 Records Maa-dgern er . KENT Document W n9nin OiON _ 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 rn Contract Number: pwtA- 3(o a This is assigned by City Clerk's Office Project Name: Horseshoe Bend Levee Repair Description: ❑ Interlocal Agreement ❑ Change Order ® Amendment ❑ Contract ❑ Other: Contract Effective Date: 12/10/10 Termination Date: 12/31/11 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.): Extend the time for completion to December 31, 2011 so the Consultant can continue to provide right-of-way acquisition services for the project. s Public\Records Management\Forms\ContractCover\adcc7832 1 11/08 KE;NT V.'ASIIING*on AMENDMENT NO. 1 NAME OF CONSULTANT OR VENDOR: G. B. McCaughan and Associates CONTRACT NAME & PROJECT NUMBER: Horseshoe Bend Levee Repair ORIGINAL AGREEMENT DATE: October 16, 2009 This Amendment is made between the City and the above-referenced Consultant or Vendor and amends the original Agreement and all prior Amendments. All other provisions of the original Agreement or prior Amendments not inconsistent with this Amendment shall remain in full force and effect. For valuable consideration and by mutual consent of the parties, Consultant or Vendor's work is modified as follows: 1. Section I of the Agreement, entitled "Description of Work," is hereby modified to add additional work or revise existing work as follows: In addition to work required under the original Agreement and any prior Amendments, the Consultant or Vendor shall: No change is necessary to the scope of work, however an amendment is needed to extend the time of completion to December 31, 2011 so the Consultant can continue to provide right-of-way acquisition services for the project. 2. The contract amount and time for performance provisions of Section II "Time of Completion," and Section III, "Compensation," are modified as follows: Original Contract Sum, $8,100.00 including applicable WSST Net Change by Previous Amendments $0 including applicable WSST Current Contract Amount $8,100.00 including all previous amendments Current Amendment Sum $0 Applicable WSST Tax on this $0 Amendment Revised Contract Sum $8,100.00 AMENDMENT - 1 OF 2 Original Time for Completion 12/31/10 (insert date) Revised Time for Completion under 0 prior Amendments (insert date) Add'I Days Required (f) for this 365 calendar days Amendment Revised Time for Completion 12/31/11 (insert date) The Consultant or Vendor accepts all requirements of this Amendment by signing below, by its signature waives any protest or claim it may have regarding this Amendment, and acknowledges and accepts that this Amendment constitutes full payment and final settlement of all claims of any kind or nature arising from or connected with any work either covered or affected by this Amendment, including, without limitation, claims related to contract time, contract acceleration, onsite or home office overhead, or lost profits. This Amendment, unless otherwise provided, does not relieve the Consultant or Vendor from strict compliance with the guarantee and warranty provisions of the original Agreement. All acts consistent with the authority of the Agreement, previous Amendments (if any), and this Amendment, prior to the effective date of this Amendment, are hereby ratified and affirmed, and the terms of the Agreement, previous Amendments (if any), and this Amendment shall be deemed to have applied. The parties whose names appear below swear under penalty of perjury that they are authorized to enter into this Amendment, which is binding on the parties of this contract. IN WITNESS, the parties below have executed this Amendment, which will become effective on the last date written below. CONSULTANT/VENDOR: CITY OF KENT: By: BY� (signature) /� // (signature) Print Name v fry/�1;7 Print Name: Timothy 3. LaPorte, P.E. Its w.vr Its Public Works Director (title) / (t f!e) DATE: �1- / - / o DATE: z /D /O APPROVED AS TO FORM: (applicable if Mayor's signature required) Kent Law Department GB McCaughan•Horseshoe Aft 1/Howlett AMENDMENT - 2 OF 2 DA IF ACORD,„ CERTIFICATE OF LIABILITY INSURANCE U022 12-09-2009 PRODUCER THIS CERTIFICATE 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: (677) 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 Cc GERALD MCCAUGHAN DBA G. B. MCCAUGHAN be INSURER B 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 LNSR TYPE OF POLICY NUMBER POLICY£FFECTIVE POUCYEXPIRATION LIMITS TR DATE MM/DD/YY DATE M D/YY GENERAL LIABILITY EACH OCCURRENCE S 1, 000, 000 A COMMERCIAL GENERAL LIABILITY 52 SBM UK5451 01/02/10 01/0 2/11 FIRE DAMAGE(Any one fire] S3 0 0, 0 0 0 CLAIMS MADE X I OCCUR MED EXP(Any or person) S10 , 0 0 0 X General Liab PERSONAL&ADVINJURY $1, ODD, OOO GENERAL AGGREGATE $2 , O O 0, 0 0 0 GEN'L AGGREGATE OMIT APPLIES PER PRODUCTS-COMPIOP AGG 52 , 000 , 000 POLICY F7PRO X LOC PRO- JECT AUTOMOBILE LIABILITY A ANY AUTO 52 SBM UK5451 01/02/10 01/02/11 (Ea accI SINGLE LIMIT sl, 000Ea cidAEoent) , 000 ALL OWNED AUTOS BODILY INJURY SCHEDULED AUTOS IPer person) $ X HIRED AUTOS BODILY INJURY $ X NON-OWNED AUTOS IPer...dent) PROPERTY DAMAGE $ (Per accident) GARAGE LIABILITY AUTO ONLY-EA ACCIDENT 5 ANY AUTO OTHER THAN EA ACC 5 AUTO ONLY AGG S FXCESSLIABKITY EACH OCCURRENCE 5 OCCUR F—ICLAIMS MADE AGGREGATE $ 5 DEDUCTIBLE 5 RETENTION 6 S - WORKERS COMPENSATION AND Y IMf WC STATU OTH- A EMPLOYERS LIABILITY 52 SBM UK5451 01/02/10 01/02/11 EL EACH ACCIDENT $1, 000, 000 E L-DISEASE-EA EMPLOYEE $1, 000, 000 "cL DISEASE POLICY LIMIT $1, 000, 000 OTHER DESCRIPTION OF OPERA TIONS/LOCA TIONSIVEHILLES/EXCL USIONS AODEO BY ENOORSEMENTISPECIAL PROVISIONS 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 A DOITIONAL INSURED,INSURER LE TIER _ 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 110 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 AUTHORIZE EPRESENTATlVE ACORD 25-S (7197) ®ACORD CORPORATION 1988 r ® DATE(MM'DD/YYYY) A � CERTIFICATE OF LIABILITY INSURANCE 11-17-2010 THIS CERTIFICATEIS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S),AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER JIPORTANT If the certificate holder is an ADDITIONALINSURED,the policy(Ies)must be endorsed If SUBROGATIONIS WAIVED,subject to the terms and conditions of the policy,certain policies nlay require an endorsement A statenlenton this certificate does not confer rights to the certificate holder in lieu of such endorsenlent(s) PRODUCER CONTACT AJ GALLAGHER RSK MGMT SVCS INC/PHS PHONE 812490 P: (866) 467-8730 F: (877) 905-0457 lA'C4'I (866) 467-8730 IAtc,NI (877) 905-045 P O BOX 33015 ADDRESSPRODUCER SAN ANTONIO TX 78265 CUSTOMER ID# INSURER(SI AFFORDING COVERAGE NAIL# INSURED INSURER Hartford Casualty Ills Co GERALD MCCAUGHAN DBA G. B . MCCAUGHAN & INSURER B ASSOC 2209 S 222ND ST INSURERc DES MOINES WA 98198 INSURER NSURER E NSURER F COVERAGES CERTIFICATE NUMBER REVISION NUMBER THIS IS TO CERTIFY THAT 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 LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS LCY S TYPE OF INSURANCE INSR WVD POLICY NUMBER (MM/DDNYYYI (MMIDD/YYYV) LIMITS IA GENERAL LIABILITY EACH OCCURRENCE $ l 000 , 000 Nito COMMERCIAL GENERAL LIABILITY PREMISES IEe occurrence! $ 300, 000 A I CLAIMS MADE LI OCCUR MED EXP IAny one person) $ 10 , 000 XI General Liab X 52 SBM UK5451 01/02/2011 01/02/20121 PERSONAL&ADVINJURY $ 1 , 000 , 000 GENERAL AGGREGATE s 2 , 000 , 000 GENT AGGREGATE LIMIT APPLIES PER PRODUCTS COMP/OP AGG S 2 0 0 O 000 �1 POLICY 1 JECOT 11 X LOC g AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT (Ea accident) S 1, 000 , 000 ANYAUTO BODILY INJURY(Per person) S ALL OWNED AUTOS BODILY INJURY IPer accident) $ SCHEDULED AUTOS PROPERTY DAMAGE A X HIRED AUTOS 52 SBM UK5451 01/02/2011 01/02/2012 (Per accident) 8 NON OWNED AUTOS $ I 5 UMBRELLA LIAR L� OCCUR EACH OCCURRENCE $ EXCESS LIAB I CLAIMS MADE 'AGGREGATE $ DEDUCTIBLE $ i RETENTION $ $ WORKERS COMPENSATION WC STATIJ OTH- AND EMPLOYERS LIABILITY Y,N I TOPY LIMI75 ER ANY PROPRIETOR PARTNERIEXECUTIVEIi' N I A E L EA'-H ht.GDENT $ 1, 0 0 0 , 0 0 0 A (MandatOFFICEMory Ein M NH EXCLUDED? t� 52 SBM UK5451 01/02/2011 01/02/2012 EL DISEASE EA EMPLOYEE $ 1, 000 , 000 If}es,describe under DESCRIPTION OF OPERATIONS below E L DISEASE-POLICY LIMIT 1 S 1, 000 , 000 I DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES(Attach ACORD 101 Additional Remarks Schedule If more apace Is required) Thole usVal to the Insureds $ Qperations . The City of Kent Pu�)liq Works Engineering De t . s an Addition � Insured per the Business Liability Coverage Form SS0008 , atitaAed to this policy. CERTIFICATE HOLDER CANCELLATION The City Of Kent SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED PUb11C Works Engineerin FORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE Attn: Nancy Yoshitake �i °" LIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 2 4th Ave . S . gent WA 98032 AUTHORIZED R PRESENTATIVE NOV 2 9 2010 1988-2009 ACORD CORPORATION. All rights reserved ACORD 25 (2009109) T p7 AM91stered marks of ACORD N O m C> O Ln W N �4 N N O O r-� Cl COMMON POLICY CONDITIONS Form SS 00 05 04 05 0 2005, The Hartford QUICK REFERENCE -SPECTRUM POLICY DECLARATIONS -nd COMMON POLICY CONDITIONS 1. 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 I B. Changes 1 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. Liberalization 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 (`,C)INDITIONC All coveraaes 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 m or delivering to us advance written notice of consecutive days or more, except n cancellation. during a period of seasonal N unoccupancy; or 0 2. We may cancel this policy by mailing or delivering to the first Named Insured written (b) Pay property taxes that are awing CO notice of cancellation at least: and have been outstanding for more than one vear following_ the o a. 5 days before the effective date of date due, except that this r; cancellation if any one of the following provision will not apply where you 14 conditions exists at any building that is are in a bona fide dispute with the Covered Property in this policy: taxing authority regarding Ln (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 'A days This does not apply to: cancellation if we cancel for nonpayment ie (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 mail 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 (2) After damage by a Covered Cause of date of cancellation. The policy period will end 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 rats. The cancellation will be effective even if we have not made or within 30 days of initial payment of offered a refund. loss. (3) The building has' 6. If notice is mailed, proof of rrfHi-ng 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 concerning the insurance afforded The first been or are being removed from the Named Insured shown in the Declarations is building lding and are not being replaced authorized to make changes in the tern 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. responsible for the payment of all p 1. This policy, premiums; and Will 2. The Covered Property; b. be the payee for any return premiums P y; 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 afterward. rules then in effect E. Inspections And Surveys 3. V Ih 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 (Z) That owns or controls you, or Page 2 of 3 Form SS 00 05 04 05 COMMON POLICY CONDITIONS c. Yourtenant 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 limiting the liability of carvers, accordance wnh 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 Policy close Oci each audit period r2 vr'ilul COiTpuie luh 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 ;s c. The first Named Insured must maintain all co appointed, anyone having proper temporary records related to the coverage provided by a.ubiuuy "� Yv.. ~"Fr ILY ,�—1 11 — j....r 11U.— this policy and necessary io finalize ine r-iduties but only with respect to that property premium audit, and send us copses of the � same upon our request. Ln cV L(1 N O 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 cr N rn 0 cn 0 14 Ln Ln x N N BUSINESS LIABILITY COVERAGE FORM Form SS 00 08 04 05 © 2005,The Hartford QUICK REFERENCE BUSINESS LIABILITY 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 r tnrun tc nni rn�c�rocn iii �. 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 fISE€�Ew; It iniii E�� i--f�ifzi�rFi ?�� f�i�iifl U.-EIdE SS2 =IA—BII-E E E alvy L-I A(31 a %%#100IE Various provisions in this policv restrict coverage Read the entire policy carefully to determine rights, duties and what IS and is .^,cf 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. co Other words and phrases that appear in quotation marks have special meaning Refer to Section G. - Liability And N Medical Expenses Definitions Ql 0 _m A. COVERAGES (a) The "bodily injury" or "property r' 1. BUSINESS LIABILITY COVERAGE (BODILY uatiiayc' is uc uScil by dri o "occurrence" that takes place in the INJURY, PROPERTY DAMAGE PERSONAL � "coverage territory", 1z" AND ADVERTISING INJURY) � (b) The "bodily injury" or "property p Insuring Agreement C damage" occurs during the policy N a. We will pay those sums that the insured period, and becomes legally obligated to pay as o (c) Prior to the policy period, no insured M 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 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 duty 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 penod 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) To "bodily injury" and "property (1) Reports all, or any part, of the "bodily injury" or "property damage" to us or damage" only if. any other insurer, Form SS 00 08 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 "bodily fault. These payments will not exceed the injury"or"property damage'; or applicable limit of insurance We will pa,, (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 ie iri�n -t.r4nn4 n�r�n omornenry 4-'•!--•- --• - , - - • - _-- -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 bad 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 (2) For the purpose of determining the amounts within the applicable limit limits of insurance for incidental medical insurance. We do not have to furnisi, 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 pay any prejudgment interest based on (3) Because of your operations; 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. r7^r c¢ nn nit nil ns BUSINESS LIABILITY COVERAGE FORM 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 indemnitee if all of the Irrigation expenses incurred by us and following conditions are met: necessary litigation expenses incurred by the indemnitee at our request will be (1) The "suit" 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 injury" and "property damage" and will assumed by the insured, not reduce the Limits of Insurance. (3) The obligation to defend, or the cost ofCn 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 and necessary litigation expenses as the same"insured contract", Suoolementary Pavments ends when. o (4) The allegations in the "suit" and the (1) We have used up the applicable limit information we know about the Ln "occurrence are such that no conflict of insurance in the payment of n judgments or settlements, or x 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 C) Paragraph(6)above, are no longer met. (5) The indemnitee and the insured ask 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" (a) Agrees in writing to: expected or intended from the standpoint of the insured. This (i) Cooperate with us in the 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, (2) "Personal and advertising injury" arising summonses or legal papers 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 with 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 (h) 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 Oa 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" occ!rs consequence ol(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 for, or for contract" the cost of, that oartv's defense -- has also been assumed in the 1 "Bodilyinjury" "property damage" or same "insured contract", and ( ) try ' p p y g "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 insurance applies are alleged. location which is or was at any c. Liquor Liability time owned or occupied by, or rented or loaned to any insured_ "Bodily ink-try" or "property damage" 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 used to (3) Any statute, ordinance or regulation heat water for personal use, by relating to the sale, gift, distribution or use of alcoholic beverages. the building's occupants or their guests; This exclusion applies only if you are in the business of manufacturing, distributing, (ii) Bodily for ty or 'property selling, serving or furnishing alcoholic damage" for which you may be held liable, if you are a beverages, Compensation And Similar contractor and the owner or d. Workers' Com p 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 c' 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 sdch insured, contractor or "hostile tire', subcontractor, (b) At or from any premises, site or (it) "Bodo injury' or "property location which is or was at any damage" sustained :within a fime .,ced by or for any insured or building 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 building in connection with operations being performed (c) Which are or were at any time by you or on your behalf by a m transported, handled, stored, contractor or subcontractor,or treated, disposed of, or processed as waste by or for. (iii) "Bodily injury" or "property Any insured, or damage" arising out of heat, (') smoke or fumes from a m fH1 Anv nPLSOn or oroanization for "Fhncfda fro" nr whom you may be legally o (e) At or from any premises, site or responsible, 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 working 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 insured'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 (2) Any loss, cost or expense arising out by such insured, contractor or 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"property 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 respond to, or assess the effects of, needed to perform the normal 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 its 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 "suit" 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 nr entrustment to others of any aircraft, "auto" demolition contest or in any stunts or watercraft owned or operated by or rented activrty. or loaned to any insured Use includes L War operation and"loardipg or unloading" '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, it 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 militant na rcnnncl nr nrtior o nd� .. 'uy v: ivZ:uGU vi luai mu to - - - _a_ .- , • 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", "properly 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 advertisir 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 exception does not apply if the insured (6) Any service, treatment, advice or has any other insurance for such "bodily instruction for the purpose of injury" or "property damage", whether appearance skin enhancement, hair re the other insurance is primary, excess, removal or replacement or personal grooming; contingent or on any other basis. 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 FORM (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 nranaration, fitting,demonstration or premises, including the contents of such r -r— distritwlron of oohthalmrc lenses and premises, rented to you for a period of 7 or similar products; fewer consecutive days A separate Limit (9) Anyof Insurance applies to Damage To s...J T.. Vn.. described fl Premises Rented I b i bu Us described 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 r♦ 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. and Paragraphs (3), (4), (5) and (6) of this n ..• d__ _ .. ..� .. .�.. ..of nn..l.r 4n Ito F.,Lob occnmo� viiipuici ci If Lilly, uCJ.yu C, CD programming services, including web under a sidetrack agreement � site design Paragraphs (3) and (4)of this exclusion do Paragraphs (4) and (5)of this exclusion do not apply to "property damage" to N 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 i.e. in Section A.-Coverages. Paragraph (6) of this exclusion does not 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, ansing out of it or any part of it organization or entity, for repair, rn. Damage To Your Work replacement, enhancement, "Property damage" to "your work" arising restoration or maintenance of such _ property for any reason, including out of d or any part of it and included in the "products-completed operations hazard" prevention of injury to a person or damage to another's property; This exclusion does not apply if the damaged work or the work out of which (2) Premises you sell, give away or abandon, if the"property damage"arises the damage arises was performed on your —= out of any part of those premises; behalf by a subcontractor. n. Damage To Impaired Property Or (3) Property loaned to you; Property Not Physically In"ured (4) Personal property in the care, custody p y y or control of the insured, "Property damage" to "impaired property" 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, broadcasti% loss of use, vothdrawal, recall, inspection, publishing or telecasting; repair, replacement, adjustment, removal (b) Designing or determining content or disposal of of 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 C.. �1... .. v,.c di.a ....1 ...__ v. v r�.'lJJIrJ 11J V%1VIVJI VII, 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 publication of material, if done by or at of advertising, broadcasting, the direction of the insured with publishing or telecasting, knowledge of its falsity; (9) Arising out of an electronic chat room (2) Arising out of oral, written or electronic or bulletin board the insured hosts, publication of material whose first owns, or over -which the insured publication took place before the exercises control; beginning of the policy period; (10) Arising out of the unauthorized use of (3) Arising out of a criminal act committed anther's name or product in your e-mw' by or at the direction of the insured; address, domain name or metatags, of any other similar tactics to mislead (4) Arising out of any breach of contract, anothers potential customers; except an implied contract to use (11) Arising out of the violation of a another's "advertising idea" in your " advertisement', person's right of privacy created by any stale or federal act. (5) Arising out of the failure of goods, products or services to conform with However, this exclusion does not any statement of quality or apply to liability for damages that the performance made your insured would have in the absence of such state or federal act; 'advertisement', (6) Arising out of the wrong description of (12) Arising out 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 (h) The presentation or functionality 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 LIABILITY COVERAGE FORM (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, Donas or other or damage of any nature or kind b securities, 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"; humiliation comiT4tted by ur at the direction of any "executive officer", (b} Arise out of any request, demand, director, stockholder, partner or order or statutory regulatory requirement That anyy insured or member of the insured others test for, monitor, clean up, q. Electronic Data remove, encapsulate, contain, Cq m Damages arising out of the loss of, loss of treat, detoxify or neutralize or in N use of, damage to, corruption of, inability any way respond to or assess the to access, or inability to manipulate effects of an "asbestos hazard", or "electronic data" (c) Anse out of any claim or suit for co r__�.. ...,.--I rinmanac hPr_iICP. of tPOina for i -- -- - "Bodily injury" or"personal and advertising monitoring, cleaning up, removing, to injury"to. encapsulating, containing, treating, Ln 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" Ln o (b) Termination of that person's t. Violation Of Statutes That Govern E- CD 1i 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-SPAM 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 h. and k. through o. do s. Asbestos I to damage b fire lightning or not apply 9 Y 9 9 _ (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 (2) Any damages, judgments, settlements, applies to this coverage as described in loss,costs or 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 C. Injury On Normally Occupied Premises your business, o^ your "employees", other 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 "P_.rnnjnV_pP" of any inc`,rror1 if hcnofiic fir 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 joint 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, Paqe 10 of 24 Fnrm cc nn nst ne nr BUSINESS LIABILITY COVERAGE FURM (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 injury" or "property damage" purpose by ,you, any of your that occurred, or "employees". "volunteer workers", (2) "Personal and advertising injury" an Daer or member if you are y Danner� + � r o� or arising out of an offense committed rt a partnership or Joint y..nai.r..�, any member (if you are a rammed before you a"..^yrliraLl or forma i the 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 co while acting as your real estate manager. law, any person is an insured while driving such o c. Temporary Custodians Of Your equipment along a public highway with your permission. Any other person or organization Property responsible for the conduct of such person is C4 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 � die, but only only if no other insurance of any kind is available LO (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 Ln (2) Until your legal representative has with respect to obeen appointed a. "Bodily injury" to a co-"employee" of the ,-i person driving the equipment, or M d. Legal Representative If You Die 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 duties under this insurance an insured under this provision =_ 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 more than 50%" of the voting stock on the insured while operating such watercraft with effective date of this Coverage Part your permission Any other person or organization responsible for the conduct of The insurance afforded herein for any such person is also an insured, but only with subsidiary not shown in the Declarations respect to liability arising out of the operation -= as a named insured does not apply to of the watercraft, and only if no other injury or damage with respect to which an insurance of any kind is available to that insured under this insurance is also an person or organization for this liability insured under another policy or would be 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 normal 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 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 n6.el.nn all p- _..a -A,-, - fPIa _IP(1 of ----ic-rf o- � "• _ y �., r.C:S��S C� ;;yam�.ta d..��o .w u as yadditional insureds under the specific container, part or ingredient of any 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 , but only with respect to negligence of the vendor for Its below as vendor), y p own acts or omissions or those of "bodily injury" or "properly 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 IT, "property damage" included within the Subparagraphs (d)or(f), or "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 (c) Any physical or chemical change with respect to their liability for "bodily 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 08 04 05 BUSINESS LIABILITY COVERAGE FORM (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 political subdivision, but "occurrence" which takes place afteronly with respect to operations s you cease to lease that emipment, r,.rfermed by \/QII !1r on y/111r behalf for m c. Lessors Of Land Or Preises which the state or political subdivision (1) Any persen or organization from has issued a permit 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" d leased to you. or "personal and advertising N (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 °D fa) 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 N construction or demolition is not an insured under Paragraphs a. 0 operations performed by or on through a above, but only with 14 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 liability 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 jry 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) Wth respect to the insurance afforded agreernept 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 arising 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 fire, 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 ansing 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: AND 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 Declarations and the rules below fix the most The Damage Premises Rented Yr we will pay regardless of the number of Limit is the mosstt we will pay under Businea 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 2. Aggregate Limits the owner. The most we 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 b. Damages because of all other "bodily The most we will pay on behalf of a person or injury", "property damage" or "personal organization who is an additional insured and advertising injury", including medical under this Coverage Part is the lesser of expenses, is the General Aggregate Limit a. The limits of insurance specified in a shown in the Declarations. written contract, written agreement or This General Aggregate Limit applies permit issued by a state or political separately to each of your "locations" subdivision, or 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 a part 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 BUSINt5s LIAIJILII T UUV CMJik Cm VvMvl 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"suit", single highest limit of liability of all overages (2) Authorize us to obtain records and applicable to such C121m or "suit" However, this other information, paragraph does not apply to the Medical Expenses (31 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 m Declarations, unless the policy period is extended liable to the Insured because of injury after Issuance for an additional penod of less than 12 or damage to which this insurance months. In that case, the additional period will be may also apply. CDdeemed part of the last preceding period for purposes d. Obligations At The Insured's Own Cost .+friafarmininn tha I imitc of Inciirnnoe �- ' - - L` `~ No insured well, except at that Insured s own � E. LIABILITY AND MEDICAL EXPENSES cost, voluntarily make a payment, assume � GENERAL CONDITIONS any obligation, or incur any expense, other Ln x 1. Bankruptcy than for first aid,without our consent Bankruptcy or insolvency of the insured or of e. Additional tnsured's Other Insurance o the insured's estate will not relieve us of our If we cover a claim or "suit" under this 1i obligations under this Coverage Part Coverage Part that may also be covered rn * 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 "suet" the — other insurer for defense and indemnity. You or any additional Insured must see to However, this provision does not apply to it 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 taws b. Unintentional Failure To Discloses a. `,Nhen this policy is certified as proof of Hazards s 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 financial responsibility law, the 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 iequiied by any motor vehicle a• trills gy` IiiS uialm 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 us as a party or othervtrise 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 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 damages that are not payable under the terms of That is fire, lightning or explosion this insurance or that are in excess of the insurance for premises rented to you applicable limit of insurance. An agreed or temporarily occupied by you with settlement means a settlement and release of liability signed by us, the insured and the permission of the owner, claimant or the claimant's legal representative (3) Tenant Liability 5. Separation Of Insureds That is insurance purchased by you to Except with respect to the Limits of Insurance, rover your liability as a tenant for "property damage" to premises rented and any rights or duties specifically assigned to you or temporarily occupied by you in this policy to the first Named Insured, this with permission of the owner, insurance apples 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 nr. (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 FORM (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, ;f 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 will share the remaining loss, if any,with Additional Insured To This any other insurance that is not described in N Insurance this Excess Insurance provision and was not 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 I-7n�.rcwar tha fnllnwinn Drovisions Declarations of this Coverage Part. o apply to other insurance available to e. Method Of Sharing 1-i any person or organization who is an if all the other insurance permits c additional insured under this Coverage contribution by equal shares,we will follow MPart. 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 _ wntten 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 S. 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 nsured'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 pad 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 WHO IS AN INSURED under Section C. is If listed or shown as applicable in the Declarations, amended to include as an additional insurF one or more of the following Optional Additional the person(s) or organization(s) shown in It 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 G. (Additional insureds Wnen Required their liability as grantor of franchise to you by Written 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 ansing out of the Declarations. ownership,maintenance or use of that part of the premises leased to you and shown in the b. With respect to the insurance afforded to Declarations these additional 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. i! 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 05 131.I51NE55 LIAOILI I T t.uvCKAUC rumm 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 make or normally undertakes to subdvision h?S Issued a permit. make in the usual 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, instaifation, servicing or repair operations, This insurance does not apply to- except such operations performed (1) "Bodily injury", "property damage" or at the vendor's premises in "personal and advertising injury" connection with the sale of the r arising out of operations performed for product; N the state or municipality, or (g) Products which, after distribution (2) "Bodily injury" or "property damage" or sale by you, have been labeled included in the "product-completed or relabeled or used as a co operatons" hazard container, part or ingredient of any 0 7. Additional Insured—Vendors other thing or substance by or for r' the vendor, or w a. WHO IS AN INSURED under Section C. is in amended to include as an additional (h) "Bodily injury" or "property insured the person(s) or organization(s) damage" arising out of the sole (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 wifh 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) or(f), or provides coverage for "bodily injury" or (ii) Such inspections, "property damage" included within the adjustments, tests or servicing "products-completed operations hazard". 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 —Controlling Interest 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 subsbtution 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 operations performed by or for that person or Insurance. organization. How this insurance applies when other insuran( 9. Additional insured — Owners, 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 Medica! 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 organizatron(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; ar tC nr nrnmcinnc of thnco nrdinn n.. ..CCr behalf- (2) Television; (3) Billboard, (1) In the performance of your ongoing (4) 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 r_ hazard" b. With respect to the insurance afforded to or images contained in, on or upon the P 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 or 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, trader or drawings and specifications; or semi-trader 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 ansing 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 I-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 oniy if a. The repair, replacement, adjustment or the injury or damage occurs in the course removal of 'your produce' or "your work"; of travel or transportation between any or places included in a, above; b. Your fulfillingri fulfilling the term S of*the contract or c. Ail other parts of the world if the injury or agreement. damage arises 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 terntory described in a.above; However, that portion of the contract for a co (2) The activities of a person whose home lease of premises that indemnifies any N 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 temporarily occupied by m ,.. vnu with permission of the owner is G (51 0 offenses that take place through the subject to the Damage To Premises Lon 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 insured's responsibility to pay 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, 14 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 party to pay for "bodily injury" or "property equipment. .= 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 pad, 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: bridae 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) Prepanng, approving or failing to equipment such as graders, scrape prepare or approve maps, shop or rollers; drawings, opinions, reports, Vehicles not described in a , b., e., or d. survevs, 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 (i) 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 rzi rh.. , nirLorc ♦ ^- d- Vic damage arising out of the insured's used to raise or lower workers; rendenng or failure to render professional services, including those f. Vehicles not described in a., b., c., or d. listed in (1) above and supervisory, above maintained primarily for purposes inspection, architectural or other than the transportation of persons or engineering activities cargo. 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 will be considered "autos": firm, to perform duties related to the conduct of your business "Leased worker" does not (1) Equipment, of at least 1,000 pounds include a "temporary worker". gross vehicle weight, 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, budding cleaning, device, other than a hand truck, 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 CSUJIIV CJJ LIHo1L11 � �+�V LI\I"1UL � vvn 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� co N privacy; (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 i g. Infringement of copyright, slogan, or title of ;:as c:ca +r,e "Ins filnn nr any literary or artistic work, in your unloading" of that vehicle by any � "advertisement", or insured; or Ln h. Discrimination or humiliation that results in (2) The existence of tools, uninstalled injury to the feelings or reputation of a equipment or abandoned or unused Ln N natural person. materials. 0 ,C)i 20. "Property damage" means: 18. "Pollutants" means any solid, liquid, gaseous or 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 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 of use 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 work" damages because of "bodily injury", "property will be deemed to be completed at the damage" or "personal and advertising injury" ear hest of the following tunes: to which this insurance applies are alleged (a) When all of the work called for in "Suit" includes: your contract has been completed. a. An arbitration proceeding in which such (b) 'JVhen 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 a job site has been put to its claimed and to which the insured submits 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 tl- compensation by you or anyone else for use of others but not sold their work performed for you 25. "Your work" 24. "You.,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, distributed or disposed of b _ (2) Materials, parts or equipment p y 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 fitnPcc, business or assets you have quality, durability, performance or use acgwred: 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 CAREFULLY. STOP 3AP - E�IP1OYERS I IDEii .iT�: 01V. ER A GE ENDORSEMENT - WASHINGTON 0 This endorsement modifies insurance provided under the following: 01) BUSINESS LIABILITY COVERAGE FORM co lI,% "Rnrlily ink," hV nnniaPnt" nr"hodilV 11 A. The following is adaed to SEC i iGi I n. - c ••, o COVERAGES. injury by disease" arises out of and 0 COVERAGE-STOP GAP -EMPLOYERS LIABILITY in the course of the injured to "employee's" employment by you; 1. Insuring Agreement and LO 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 M 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, we will have no duty to defend the insured the policy period; or 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 limited as described in Section D. — by disease" occurs during the policy 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 (1) For which you are liable tc a third paity 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 OS 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" fat arises out of and in the any "workers compensation law". course of employment, claimed against h. Violation Of Age Laws Or Employment you in a capacity other than as employer. Of Minors 2. Exclusions "Bodily injury by accident" or "bodily 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, hnno54 lioh,6fy nr ntFinr �f�� �I+✓ ..I;yliv.i pUJG'd b. 1-ines 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 agree ment. (43 USC Section 1331-1356a); e. Violation Of Law (5) The Defense Base Act (42 USL- "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 1 Coercion, criticism, demotion, evaluation, Worker Protection Act (29 USC ( ) Sections 1801-1872), reassignment, discipline, defamation, haras sment, humiliation, discrimination (8) Any 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 Employers the BODILY INJURY BY DISEASE - EACH Liability as well as to Business Liability Coverage EMPLOYEE Limit shown in the Declarations is C. For the purposes of this endorsement, SECTION C. the most we will pay for all damages because of WHO 15 AN INSURED, is replaced by the "bodily injury by disease to any one f�l In inn rig "employee'. if you are designated in the Declarations as: The limits of the coverage apply separately to each consecutive annual period 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 Q; 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 r+ Your members are also insureds, but only witn Ine Event of DUuwai-11a, __ . 1-4 respect to the conduct of your business Your Condition (SECTION E. - LIABILITY AND MEDICAL Ln managers are insureds, but only with respect to EXPENSES GENERAL CONDITIONS), is deleted x 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 �', 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 (2) The names and addresses of any shown as a Named Insured in the Declarations injured persons and witnesses; and 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 b. Claims made or"suits" brounbt, or (2) Notify us as soon as practicable You must see to it that we receive written c. Persons or organizations making claims or notice of the claim or "suit" as soon as bringing "suits" 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 in the United States (including its person or organization Whiph may be territGnes and possessions), Puerto Rico, liable to the insured because of injury to Canada, in a suit on the merds according to the which this insurance may also apply; substantive 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. va,ould 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 3r d,s�easa sustanicU by a poison, 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 in 1. above, or of "bodily injury" (SECTION G. - LIABILITY AND 3. All other parts of the works 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 in 1. above, but 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 CAREFULLY. CAP s 0XvcES3 F-;��P�E CERTIFIED ACC"% OFF TERRORISM 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 i. T ne act resuited in - - `- "-- -4-4 terrorism", we will not pay any amounts for which of$5 million, and lz 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 �D (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 ri * 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 Act of 2002 sets forth the following criteria for a "certified act of terrorism" Form SS 50 30 06 03 Page i of i © 2003, The Hartford Policy Number: 52 SBM UK5451 sRAIDOPTAKIT NICITIFP Tn Pni iCywnE m-RS eeeu edea 1 a ffv l evs a ■.d. ■ � ■ �. . •• DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT OF 2002 r, SCHEDULE O Ln t Terrorism Premium (Certified Acts): $5.00 v, CN N Cq N O O O N 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 lasses 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 —= Of Terrorlsun Losses insured terrorism losses in an annual period 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 terronsm 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 'IMPORTANT ANT NICI ILE E ®R 'POUC HOU EDERS CIVIL AUTHORITY rn m C> 0 a � 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 0 C3 Under the Standard Property Coverage Form,form SS 00 06,and the Special Property Coverage Form, form SS 00 07, GV * 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 agr rit or broker for lurther information. Form SS 83 7210 02 Page 1 of 1 © 2002,The Hartford 'IMPORTANT NOTICE Tnf �P-OLIeCD Y e1 eO11.rD"%CrTqZS SPELT SUM i IABILITY 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 Ln coverage, changes to the Umbrella Liability Provisions are also described in this notice. rn This notice also describes changes that have been made in several Spectrum 'A endorsements, and how changes in those endorsements may impact your insurance m — .. a:..., :F Eh nor ern ntfnrhnrl fn vnur nnlirv- '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. Ln Changes summarized below are general in nature. The coverage forms, however, may Ln 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 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 m the shifting of coverage, under certain circumstances, between an msured's Y 9 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, fumes, vapors or soot from building 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 0 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 Subparagraph f., the Any Other Party clause states that liability in connection with the proUU.,Ls- completed operations hazard is covered *hen required in a written contract. Trig may be a broadening of coverage in those states that may .-.of 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 on the Limits of Insurance available to you. E. Revisions in SECTION E., LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 'A 1. Condition 2., Duties In The Event Of Occurrence, Offense, Claim Or Suit has been revised to reflect the T addition of duties that apply to the additional insured. This condition was revised to clearly show that a failure ri by the additional insured to provide the required notice ooes not affect coverage avaiiauie to you in 'A 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 c"'v 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. 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 lust 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 8., 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 Or Dnrcn or nani7atinn n .�-. 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 the insured's behalf Previously, it applied only to you and any architect, engineer, or surveyor employed by you or perforating work 011 your behalf in some situations, this is a restriction of coverage. F. Exclusion—Sexual Abuse Or i lolestation,for.... CC f15 71 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 M failure to protect others from the conduct of, any person whose conduct would be subject to the sexual abuse � or molestation exclusion (D r♦ CD G. Technology 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 to 05) NThe form has been amended to add a limitation that there is no coverage for injury or damage arising out of L, technology services involved with or related to• CV 0 1. Emergency response systems or services; N 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 ro fire, sprinkler, smoke, burglar aiarm 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. j = H. Stop Gap -Employers Liability Coverage Endorsement-North Dakota, form SS 4101 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. ihese iirmis confain new exclusions for Terminarton 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 o,'tile appeal, including interest on the original judgment and any additional judgment that may arise will be borne by you er yoi r underlying insurer This was previously located in the Investigation. Defense, Settlement section of the Umbrella Liabilitv Provisions E. Revisions Iri 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 Changes To Endorsements That Modify The Umbrella Liability Provisions `O All of the new or revised forms listed below, if attached to the renewal of your Umbrella Liability provisions, contain cy� 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 nas been exienaeo io apply io any engineering, arciuteciuiai, Ul 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 Lr, 1. We have changed the lead-in language to Paragraph d. to restate our intent to exclude any professional N services, not just those listed in the subparagraphs that fallow Due to reasonings in some court cases, this N 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 * 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 OF molestation exclusion. This is a restriction of coverage. 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 oftne 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 �q � � pe)1 1r! IJp x1 C� R® C-H /� FOIE IsQ Tn lE�9�P43 i��yy ni i 1 1 t- I �r �� I�r .I L_�, Epv.3 -� VI i�rl� 1_v i v P��� �I i 1ABI ITS" 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 Ln 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. ON CD 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 fhn,, pro af4achari to your policy. 1i Please read the policy carefully to determine rights, duties and coverage. Only the � provisions of your policy determine the scope of your insurance protection. Ln Changes summarized below are general in nature. The coverage forms, however, may Ln 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 14 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 L, Pollution The Pollution Exclusion currently includes an exception for bod;!y !n;u, ar's'"g out of smoke, fumes, vapors or soot from building 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 0 2005,The Hartford b. In the lead-in to this Paragraph, a provision has been added that states that a person or organization is g an additional insured only for that Denod of time required by the contract or agreement. c. In Subparagraph f., the Any Other Party clause states that liability in connection with the products- completed operations hazara is covered when required in a .wntten 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 predicts-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 to 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 addition of duties that amA to the additional insured This condition was revised to clearly show that a failure � by the additional insured to provide the required notice aces not a1TV -ovuiayc 6tia,6b{2 tc ;cc. .�i Paragraph e., Additional Insured's Other Insurance, we have added a condition applying to additional c insureds that states that, if we cover a claim or suit that may also be covered by other insurance available to in 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 �', 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 in 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 8., Transfer Of Rights Of Recovery Against Others To Us has been amended to add a subparagraph Itled 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 Additionai insured—Designated f crwi, �r nr an:Zaflnn 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 the insured's behalf Previously, it applied only to you and any architect, engineer,or surveyor employed by you or perform,mig work on your behalf. In some situations, this is a restriction of coverage F. Exclusion —Sexual Abuse Over Molestation,form SS 05 71 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, N investigation of, supervision of, the reporting to authorities of (or failure to do so), the retention of, or the C> failure to protect others from the conduct of, any person whose conduct would be subject to the sexual abuse or molestation exclusion. 4 C> G. Technology Services Coverage,form SS 40 58 04 05(For Illinois policyholders,form SS 40 29 04 05) LO Technology Services Coverage (Limited),form SS 40 59 04 05 (For Illinois policyholders, form SS 40 30 04 Qs) a The form has been amended to add a limitation that there is no coverage for injury or damage arising out of LO technology services involved with or related to- cV 0 1 Emergency response systems or services; m 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. Tnese 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 on the original judgment and any additional judgrnent that may arise will be borne by you or your underlying insurer This v:as previously located in the Investigation; Defense, Settlement section of the Umbrella Liability Provisions. E. Revisions ;n SECTION I'll —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 N7odify The Umbrella Liability Provisions oN, 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 C>i In this form revision, the professional exclusion has been extended to apply ro any engineering, arcritectwai, ui surveying firm performing work on your behalf. In some situations,this is a restriction of coverage NIf B. Exclusion — Insurance And Related Operations,form SX 21 16 04 05 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 � 2. We have made editorial changes to more specifically list some of the types of professional services that are r, 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. 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 POLICY IPA RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES K10-r GRANT Amy COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE PURSUANT TO TERRORISM RISK OltN INSURANCE ACT 0 co v ri o SCHEDULE Ln d u, x Cq N "' Terrorism Premium (Certified Acts): N O $ $5.00 m 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 2JUftiatpG.ivii t l tof Such insured% l the1v-1 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 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. r- Cq CTN If you feel the new amount is not the proper one, please contact your agent or broker. 0 CD 0 Ln Ln Ln ry l[l N O O ri rn Form PC-374-0 Printed in U.S.A. m oa+ .1'P r._E� 1'iiP�Yir`� f J('i �` if� 011� D. • 0 CIVIL AUTHORITY m 0 �1 0 V-1 in 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 N N O Under the Standard Property Coverage Form,form SS 00 06, and the Special Property Coverage Form,form SS 00 07, * 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 Page 1 of 1 0 2002,The Hartford