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Home My WebLink AboutPW15-018 - Amendment - #2 - Natural Systems Design, Inc. - Clark Springs Habitat Conservation Measures - 12/28/2017 ,I Iry a e Ilgr , w.s„ men�OCu CONTRACT COVER SHEET This is to be completed by the Contract Manager prior to suLmission to City Clerks Office. All portions are to be complete ,', If you have questions, please contact City Clerk's Oft;, :'.. Vendor Na e: Natural Systems Design Vendor Number: JD Edwards Number Contract Number: pVJ This is assigned by City Clerk's Office Project Name: Clark Springs Habitat Conservation Measures Description: ❑ Interlocal Agreement ❑ Change Order ® Amendment ❑ Contract ❑ Other: Contract Effective Date: 12/28/17 Termination Dated"12/31/18 Contract Renewal Notice (Days): Number of days required notice for termination or renewal or amendment Contract Manager: Richard Schleicher Department: Engi.,, -erinq Contract Amount: S0.00 Approval Authority: (CIRCLE ONE)(Department Director Mayor City Council Detail: (i.e. address, location, parcielnumer, tax id, etc.): Extend the time of completion to December 31, 2018 due to a delay in the project _...._...... -- -- because of lack of laridowner_nghts.mm ........... .... ........ ._...... As of: 08/27/14 ENT AMENDMENT NO. 2 NAME OF CONSULTANT OR VENDOR: Natural Systems Design CONTRACT NAME & PROJECT NUMBER: l rk Springs —Habitat fQl3sgrvation Measure ORIGINAL AGREEMENT DATE: January 25, 2015 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: The scope of work remains the same, however an amendment is needed to extend the time of completion to December 31, 2018 due to a delay in the project because of lack of landowner rights. 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, $73,89000 including applicable WSST _---- --- Net Change by Previous Amendments $49,434.00 including applicable WSST Current Contract Amount $123,324.00 including all previous amendments Current Amendment Sum $0 Applicable WSST Tax on this $0 Amendment Revised Contract Sum $123,324.00 AMENDMENT - 1 OF 2 ....... _ . ........ _ _..... Original Time for Completion 11/15/l6 (insert date) Revised Time for Completion under 12/31/17 prior Amendments (insert date) Add'I Days Required (±) for this 365 calendar days Amendment Revised Time for Completion 12/31/18 (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 QE KENT: By:, By t✓ (sl�xhature)/ (&�,nature) Print Name: C tjl;( t wndl&�r:5+ Aa Print Name: Timothv 1. LaPorte, P.E. Its Ptr / . ewo Its Public forks Director (title) DATE: /2 ZdICa/ DATE:- APPROVED AS TO FORM: (applicable if Mayor's signature required) Kent Law Department WWraI Syaeins Design-dark SVtlngs Amd 2/561 e.,hu AMENDMENT - 2 OF 2 CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDDNYYY) ,.-ilhasss 5/25/2017 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS °TIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES AN. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE (ISSUING INSU'RER(S), AUTHORIZED ylcrRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy,certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NRG Insurance NAME j NG Insurance PHONE (206)363-1110 Fnz R .... (206)7 -2044 . ING,No Ext) JAC Ne7 65 p-0. Box 34628 #15043 EMAIL 91-0724829 ADDRESS INSURERISI AFFORDING COVERAGE NAIL n Seattle WA 98124-1628 INaURERA•Ohip Security Insurance Company 24082 INSURED INSURERd.:Chio Casulaty Insurance Co. 24074 'Natural Systems Design Inc INSURER c r8ch nnerer & Company 1900 N Northlake Way Ste 211 INSURER Ds INSURER E Seattle WA 98103 INSURERF: COVERAGES CERTIFICATE NUMBER:CL1752502186 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.. HGE R TYPE OF INSURANCE ADDL SUBIR POLICY CARE POLICY EXP LIMITS LTR POLICYNUMBER MW NM MI ory YY X COMMERCIAL GENERAL LIABILITY 2,000,000 EACH OCCURRENCE $ A CLAIMS-MADE X OCCUR DAMAGE TO RENTED 2,000,000 PREMISED(Ea ocwrroncoL _ $ X RZS55573742 5/17/2017 5/17/2018 MED EXP RTy one person( g 15,000 PERSONAL 8 ADV INJURY IS GEN L AGGRE:CAI E LIMI I APPLIE S PER GENERAL AGGREGATE $ 4,000,000 R POLICY P'CT LOC PRODUCTS-COMP/OPAGG 5 O$HER: Additional Liability S 2,000,000 iOMOBILE LIABILITY SONTINED.>INGLE UNITY 5 (Ca.ar adarO; A ANY AUTO BODILY INJURY(Usr person) $ ALL OWNED SCHEDULED AUTOS AUTOS X cc BZS55573742 5/17/2017 5/17/2016 BODILY INJURY aitlenl $ N JEO PROPERTY DAMAGE HIRED AUTOS AUTOS (Fer acridenl) _. 5 X UMBRELLA LIAB OCCUR EACH OCCURRENCE S 2,000,000 T1 EXCESS LIAB CLAIMS MADEAGCRFGArE $ 2,000,000 Di X .RETENTION$ 10 DOO US055573742 5/17/2017 5/17/2010 It WORKERS COMPENSATION PER ) N AND EMPLOYERS'LIABILITY YIN STATUTE E.EE__. ANY PROPRIETORIP.ARTNERIEXECUTIVE E L EACH ACCIDENT $ OFFICER/MEMBER EXOWDED7 NIA (Mandatory in ART E L.DISEASE EA EMPLOYEE $ If t,#F WIND4M!Under !'1E9C RYPTION OF OPERATIONS b.A. E L UNEASE POLICY LIMI'1 $ C Professional Liability EEH591875018 5/17/2017 5/17/2018 Per Claim 3,000,00C Annual Aggregate 3,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101.Additional Remarks Schedule,may he attached If more space Is required) City of Kent is added as additional insured as respects to work preformed by or on behalf of the insured. Coverage is primary and non-contributory. Waiver of subrogation applies. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE -:'ity of Kent THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN 220 Fourth Avenue South ACCORDANCE WITH THE POLICY PROVISIONS. Kent, WA 98032 AUTHORIZED REPRESENTATIVE Trisha Mujadin/MUJAl ©1988-2014 ACORD CORPORATION. All rights reserved. ACORD 25(2014l01) The ACORD name and logo are registered marks of ACORD NS025(201401) POLICY NUMBER: BZS55573742 COMMERCIAL GENERAL LIABILITY CG 20 1010 01 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE ._.._.........................._.... Name of Person or Organization: City of Kent 220 Fourth Avenue South Kent, WA 98032 (If no entry appears above, Information required to complete this endorsement will be shown In the Declarations as applicable to this endorsement.) A. Section If — Who Is An Insured is amended to (1) All work, including materials, parts or include as an insured the person or organization equipment furnished in connection with shown in the Schedule, but only with respect to I- such work, on the project (other than ability arising art of your ongoing operations per- service, maintenance or repairs) to be formed for that insured, performed by or on behalf of the addi- B. With respect to the insurance afforded to these tional insured(s) at the site of the cov- additional insureds, the following exclusion is eyed operations has been completed, or added: (2) That portion of "your work" out of which 2. Exclusions the injury or damage arises has been put to its intended use by any person or This insurance does not apply to "bodily injury" organization other than another or"property damage" occurring after: contractor or subcontractor engaged in performing operations for a principal as a part of the same project. CG 20 10 10 01 ©ISO Properties, Inc., 2000 Page 1 of 1 ❑ POLICY NUK48ER: BZS55573742 8USINESSOWNERS BR04200110 THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ ITCAREFULLY. WASHINGTON HIRED AUTO AND NUN-OWNED AUTO LIABILITY This ondorsornenl fl[MdifeS insurance provided under tho folioMrg, BUSINESSO WNEPS COVERAG5 reRrvt SCHEDULE Coverage Additional Premium low Hired Auto Liability Nan-owned Autry Liability ; Cniounation recluitok to coroplete this Schedule, if not shave abyy,.O. Mil be shown in the De+Barallorks. A. Irt-Uranre r provided only For those cover- 8, For in5uranre provided by this erldarsament ages for wtile-h a spec;iflc premium charge Is only: shown in the Declarations or in the Schedule. 1, Paragraph B.1, Exclusions Applicable To 1, Hired Auto Liability Business liability Coverage in Section 11- Paragraph A.I. Business Llahlllty in See- Lialtilfty, other than Exclusions rk, b„ d„ lion II-Liability applies to 'bodily Injury' t and 1. and the NuCleaf Energy Liabirity or 'property damage' arising out of the Exclusion, are deleted and replaced by maintenance or use of a -hirmd auto- by the following: you or your "employees" in the coursp. of a, The fallowing exclusion applies only your business. with respect to `b0dify injury- to: 7. Non-own0d Auto Liability (1) 'Employees of Ifle Insured Paragraph A-1_ BBus►negs Liability in sec- whose employment is not wb- Ilan 11-Liability applies to "bodily ln)ury' Ject to tha Industrial Insurance or 'property, damage' arising oul of the Act of Waskingtorl (Wag.t ngton use of any "non-owned auto` In your Revised Code Tlfle 51): business by any person. 'Bodily injury' to: (a) An 'errtployee" of the irt- sured arising out of and in tile course of: {I] Employment by the In- sufad; or (il) Perfornl1w aulles relal ed to the c onducj of the Insured's business: or OF 04 20 01.10 Is Insurance Servicas Oftiee, Inc_„ Z(]Og PaW 1 of 3 (b) The spouse, child, parent, (ii) "Bodily injury" arising; brother or sister of that "em- out of and in the course ployee" as a consequence of of domestic employ- (a) above. ment by the insured un- This exclusion applies: less benefits for such in- jury are in whole or in (1) Whether the insured may be part either payable or liable as an employer or in required to be provided any other capacity; and under any workers' (2) To any obligation to share compensation law. damages with or repay b. "Property damage" to: someone else who must pay damages because of the in- (1) Property owned or being trans- ported by, or rented or loaned to, jury the insured; or This exclusion does not apply to: (1) Liability assumed by the in- (2) Property in the care, custody or control of the insured. sured under an "insured Sec- contract"; or 2. Paragraph C. Who Is An Insured in Sec- g: II -Liability is replaced by the follow- (2) "Bodily injury" arising out inof and in the course of do- g: mestic employment by the 1. Each of the following is an insured insured unless benefits for under this endorsement to the extent such injury are in whole or set forth below: in part either payable or re- a. You; quired to be provided under b. Any other person using a "hired any workers' compensation auto" with your permission; law. c. For a "non-owned auto": (2) "Employees" of the insured (1) A partner or "executive of- whose employment is subject to ficer" of yours; or the Industrial Insurance Act of Washington (Washington Re- (2) Any "employee" of yours; vised Code Title 51): but only while such "non-owned "Bodily injury" to an "employ- auto" is being used in your busi- ee" of the insured arising out of ness; and and in the course of: d. Any other person or organiza- (a) Employment by the insured; tion, but only for their liability or because of acts or omissions of an insured under a., b. or c. (b) Performing duties related to above. the conduct of the insured's business. 2. None of the following is an insured: This exclusion applies to any ob- a. Any person engaged in the busi- ligation to share damages with ness of his or her employer for or repay someone else who "bodily injury" to any co"em- must pay damages because of ployee" of such person injured the injury. in the course of employment; This exclusion does not apply to: b. Any partner or "executive offi- cer' for any "auto" owned by (i) Liability assumed by the nsured under an "in- such partner or officer or a mem- ber of his or her household; sured contract"; or c. Any person while employed in or otherwise engaged in duties in connection with an "auto business", other than an "auto business" you operate; Page 2 of 3 ® Insurance Services Office, Inc., 2009 BP 04 20 01 10 d. The owner or lessee (of whom D. The following addltiorraE deflnitlons apply: iQU are a 5u6le55e?p 9f a "hired 1, "Auto business" means tie txislness or auto" oe the owmw of a "non- acr4atiou of Ming, ra iri pa ng, serVtG- Owned aVW or any agent Or tog. storing or parsing "autos'. 'ernployea" of any such owner 2- "Wired auto" means any `auto" you M fie' Iease, hire, reef or borrow. Th s does not e. Any parsori or oiganizatiwi for md4id6 any `auto" you lease,. hire, rent the conduc4 of any ciarrenl or or borrow from any of your 'employees", past partnership w joint 4eMure Yuw II or your "exacutiti'e OM- that is not shown as a Norned In- cena" of men-,tyers of their hoiwehdds. cured in the Dedarabon5. C. For the "Non-pwned auia' meane a[r/ "eut+z' purposes of this endorsement only, you do nnf ry,vn, leas&, hlfe, rent or bar- Paragraph H. Other Insurance in Section IN - r(yu dwhich is Used in cpnnection with Common Palley Candltforts is replaced by the your business. This IndWirm "autos" failawing: awned b'y your 'employees", your Pao- This Insurance is excr s.s oast any primary in" n&rs of your 'exacutiva officers', or MW surance cpve ing the 'hired auto' ur "non member; of their households, but only owned auto`. while used In your busli3ewss or your per- sarsaf affairs. UP 04 20 01.10 's lnsurarrc$ SnMn';Qs ofrir�, Inc., 2009 Rage 3 of 3 Mup 1.1Z 1. 141u"exco Policy"Ider Information Need I®sumd A Melling Address Agent Mailing Address&Picnic No. NA'ITRAL SY511MS D S16N INC (296) 3b3-t I10 19110 N hnrlhlake Way St:S '_11 NRG INSURANCE 'scantIc. IN 98103 110 13OX 34C;28 015!43 SEATTI.F., WA 981214-161R '�� I3�rer �`fili�;}'lit�Cder: We kiww, yLrm work Nerd ro hyild vLPItt IA infsa., V,'o wcio k n,earhv-1 wilh y'mor q_-Qnv, I \R{; LyStiIH_LiYtE Q306;0 363-11119 vp herb grace[ tho things you csirt aloes. Tlrtiiik y4,u fie scleefitrg tla. � Enclmcd arc your imp+urancc dlD'UITJML Cllff.isting aJ" - • Commstrial Um6rcll Tu land yuuT 4nlul5 of in5ucwCc 'end prOrniurri Plr:.sar TtfLAT ILP vuuf Nk:I4tratiutss lragc(s). Please refer to your policy Car rpecitie cavcragcs. IF you havc any qucsljans or chan4�a thm may afteci your imsurancc mceds, please cunloul your Agem ;il 1.2061 363=1 1111 Verify that all iirl.rnisti Sit is cornet If ybu huvc. any changes, pleAw conWut voter ,p2m at (?tltl) 16.3.1110 Reminders In r-rvz of w c1dim, EAi }our Agent or I-gS.V -+5?-S;alitU You Need To Know CONTINUED ON NEXT PACE To rapo+r A claim, rel! your Agtrtl of 4.87J0-3A2'.ppQO DS70200108 You Need To Know - continued • NOTICE(S) TO POLICYHOLDER(S) The Important Notice(s) to Policyholder(s) provide a general explanation of changes in coverage to your policy. The Important Notice(s) to Policyholder(s) is not a part of your insurance policy and it does not alter policy provisions or conditions. Only the provisions of your policy determine the scope of your insurance protection. It is important that you read your policy carefully to determine your rights, duties and what is and is not covered. FORM NUMBER TITLE NP 73 12 01 15 Terrorism Insurance Premium Notice And Opportunity To Reject NP 75 65 05 09 Important Notice To Policyholder - Recording and Distribution Of Material Or Information In Violation Of Law Exclusion NP 89 71 09 10 Important Policyholder Information Concerning Billing Practices Liberty Northwest NP 93 58 07 14 Notice to Policyholders Commercial Umbrella Multistate Forms Revisions NP 99 99 02 16 Important Notice to Policyholders Amendment of Aircraft Exclusion • This policy will be direct billed. You may choose to combine any number of policies on one bill with your billing account. Please contact your agent for more information. C�4 -,2Ci16 !d;sT i1R:i. ., zT-F.h4 DE L';11 Lr.'C ❑.^' l71 +5 1371Ci td 'in rrhIakP Way Sr- -c1- Se�rLle, WA '.rd.10a I 1, '7n1 363-111G P:PG TYd:; IF'.A.rdc7 F. TERRORISM INSURANCE PREMIUM DISCLOSURE ® AND OPPORTUNITY TO REJECT This notice contains Important information about the Terrorism Risk 1n5uranea Act and its effect on your policy. Pleasa read it carefully. M= I hKRORLSIM RISK INSURANCE ACT The Terrorism Risk Insurance Act, induding all amendments ("TRIA" or the "Act . establishes a program to spread the risk of calastrophlc losses from oertaln acts of terrorism between Insurers and the federal' government. If an indwidUal insurer's losses frum ,s!rhl-w_d acts of terrorism exceed a speCrFied deductibte, arTrount, the government will reimburse the insurer far a percentage of losses (the "Fedaral Share ) paid in excess Pt the deductible, but only If aggregate industry losses from such Oaks exceed the "Program TnCty ger". An Insurer that has met Its Insurer dedudlbie i; not Ilabie foe any port�rro of lossrrs In excess of $too billion per year. Similarhy, the federal government is Not liable for any tosses cuvered by the Act that exceed this amount If aggregate Insured losses excel $1O0 billion, losses up to that amotrnl may he pro•raWd, as determined by the Secretary of €he Treasury. The Federal Share and Program Trigger by calendar year are: Calendar Year rederat Share Program_Trigger 2015 85% $I flo,000,O0(1 2018 $12 t 3,a(M1 _ _ 2017 83% S W,000,000 2013 a2% flinuQ0,00 2019 81% $1B0,000.0DO r?,g 80% 2p4,flO4,t75 MIUMDATORY OPl~ER �� ,� � TEf�RORISNI" ANa�ats,�I.t� .�RE c�� POE.. TRIG requlres Insurers to amke coverage avallatrle frif any Loss Iteat occurs wothln the United States (or outside of the U.S- in the case of LI.S missions and certain air carriers and vessels), results from a "cariified ad of terrorism" AND that is otherwise cover&,i undier your pollcy. A"r_.emfied act of ter ror:3 m" means: [AIny act that is certified by the Secretary [of the Treasury 1, in oDnsultation with the Secretary of Homeland Security, an ' the Attorney General of the United States. (i) to be an act of terrorism; NP 73 12 01 15 2O12tibery Wlulual insurance Page 1 of 2 (ii) to be a violent act or an act that is dangerous to (1) human life; (11) property; or (III) infrastructure; (iii) to have resulted in damage within the United States, or outside of the United States in the case of (1) an air carrier (as defined in section 40102 of title 49, United States Code) or United States flag vessel (or a vessel based principally in the United States, on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States); or (II) the premises of a United States mission; and (iv) to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. REJECTING TERRORISM INSURANCE COVERAGE -WHAT YOU MUST DO We have included in your policy coverage for losses resulting from "certified acts of terrorism" as defined above. THE PREMIUM CHARGE FOR THIS COVERAGE APPEARS ON THE DECLARATIONS PAGE OF THE POLICY AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS COVERED BY THE FEDERAL GOV- ERNMENT UNDER THE ACT. If we are providing you with a quote, the premium charge will also appear on your quote as a separate line item charge. IF YOU CHOOSE TO REJECT THIS COVERAGE, PLEASE CHECK THE BOX BELOW, SIGN THE ACKNOWL- EDGEMENT, AND RETURN THIS FORM TO THE ADDRESS BELOW: Please ensure any rejection Is received within 1301 days of the effective dato of your oaiicv.. Before making a decision to reject terrorism insurance, refer to the Underlying Coverage Requirement located at the end of this Notice. ❑ I hereby reject this offer of coverage. I understand that by rejecting this offer, I will have no coverage for losses arising from a"certified acts of terrorism" and my policy will be endorsed accordingly. Policyholder/Applicant's Signature Print Name Date Signed Named Insured Policy Number NATURAr SYSTEMS DESIGN INC USO (17) 55 57 37 42 Policy Effective/Expiration Date From 05/17/2016 To 05/17/2017 UNDERLYING COVERAGE REQUIREMENT This policy will apply to Terrorism Coverage only in excess of the total amounts stated as the applicable limits of the underlying policies listed in the Schedule of Underlying Insurance and the applicable limits of any other insurance providing coverage to you during the Policy Period. If you fail to comply with this Underlying Coverage Requirement and you do not maintain your underlying limits as scheduled, we will only be liable to the same extent that we would have been had you fully complied with this requirement. IF YOU REJECTED THIS COVERAGE, PLEASE RETURN THIS FORM TO: Attn: Commercial Lines Division -Terrorism P.O. Box 66400 London, KY 40742-6400 The summary of the Act and the coverage under your policy contained in this notice is necessarily general in nature. Your policy contains specific terms, definitions, exclusions and conditions. In case of any conflict, your policy language will control the resolution of all coverages questions. Please read your policy carefully. If you have any questions regarding this notice, please contact your agent. NP 73 12 01 15 P 2015 Liberty Mutual Insurance Page 2 of 2 NP 75 65 05 09 IMPORTANT NOTICE TO POLICYHOLDER RECORDING AND DISTRIBUTION OF MATERIAL OR INFORMATION IN VIOLATION OF LAW EXCLUSION This Notice explains changes in your COrnmerciai Urnbn6dla or Excess Liability Coverage. It a wtains a buaf surnmary of significant revisions and must be reviewed in conjunctirxn with your prryiOU!3 and renewal MMM policies to retarenCei the endorsements described herein_ Thrs Notice does root form a part of your insiuranC4, contract. NO coverage Is provAed by this Ptoticte, %r can it be consiru" to replace any provisions of your policy (including its endorsements). if there is any conflict bemeen this Notice and the pcilrp (inclurultwg Its n r mats'), the provisions of the policy (Including its endorsements) shall prevail. Carefully read your polity, including the endorsements attached to our policy. Your policy is being reviewed with one of the following: e Tlne Exclusion - Recording And DWdbution Of Material Or Information In Vivlallon Of Law endorsee- merit CU 64 79 OS 09 which modifies the Commercial Umbrella Co/arage Form; or mmotr The Alaska (Exclusion - Recording And DIsidbullon Of Material Or Infrrmatlon In Violation Of law endorsement Col 88 08 as 09 which modifiers the Commercial Umbrella Coverage Form; or a The Exclusion - Recording And DW41bution Of' Material Or Informaion in Violation Of Law endorse- rnant CE66 54 05 09 which modifies the Excess Liability Coverage Form: or a Alaska Exclusion - Recording And ais4ribudon Of Material Or Informatwn In Violation Of Law endorsP- avant CE 86 09 05 09 which modifies the Excess, Liability Coverage Farm_ The endorsement replaces the ctlnrent "Excuseon - Electronic blstrrbutio n Of UtWIcied Material' emorse- menl vfth a revised exclusion, newt' tilled "Exclusion - Recording And Distribution Of Material Or Information in Vlolattoo Of Law" erodorsernent, The revised e0usion contains language that elaborates on the intent of the dislrfhrftw Of Welial In Violation Of Statutes Exclusion Io reflect that, in addition to the TCPA and CAN-SPAM Act of 2003, this exclusion will more explicitly exclude liability coverage for badly injury, property damage or personal and advertising injury aris[ng out of any action or omission that vlotates, a Is alleged to violate, the Fair Credit R opoting Act (FCRA4 , and any amendment of or addition to such law, including the Fair and A curate Credit Transactions Act (FACTA) and any other similar federal., state or local statute, ordlrranre or regulation c>r rerrvIng disposal and dlssemInakin of personal informa- Wn. a 2010 Liberty ldutu4 Insixance Company.AA oghts raser�e . NP 7S 65 OS 09 ndudes copyrighted meW_rlsl cf InsursnwSerncas Uftlos,Inc.,ixM cls permisslon,. Page 1 of t NP 89 71 09 10 IMPORTANT POLICYHOLDER INFORMATION CONCERNING BILLING PRACTICES Dear Valued Policyholder: This insert provides you with important information about our policy billing practices that may affect you. Please review it carefully and contact your agent if you have any questions. Premium Notice: We will mail you a policy Premium Notice separately. The Premium Notice will provide you with specifics regarding your agent, the account and policy billed, the billing company, payment plan, policy number, transaction dates, description of transactions, charges/credits, policy amount balance, mini- mum amount, and payment due date. This insert explains fees that may apply to and be shown on your Premium Notice. Available Premium Payment Plans: 1r Annual Payment Plan: When this plan applies, you have elected to pay the entire premium amount balance shown on your Premium Notice in full. No installment billing fee applies when the Annual Payment Plan applies. w Installment Payment Plan: When this plan applies, you have elected to pay your policy premium in installments (e.g.: quarterly or monthly installments - Installment Payment Plans vary by state). As noted below, an installment fee may apply when the Installment Payment Plan applies. The Premium Payment Plan that applies to your policy is shown on the top of your Premium Notice. Please contact your agent if you want to change your Payment Plan election. Installment Payment Plan Fee: If you elected to pay your premiums in installments using the Installment Premium Payment Plan, an installment billing fee applies to each installment bill. The installment billing charge will not apply, however, if you pay the entire balance due when you receive the bill for the first installment. Because the amount of the installment charge varies from state to state, please consult your Premium Notice for the actual fee that applies. Dishonored Payment Fee: Your financial institution may refuse to honor the premium payment withdrawal request you submit to us due to insufficient funds in your account or for some other reason. If that is the case, and your premium payment withdrawal request is returned to us dishonored, a payment return fee will apply. Because the amount of the return fee vanes from state to state, please consult your Premium Notice for the actual fee that applies. Late Payment Fee: If we do not receive the minimum amount due on or before the date or time the payment is due, as indicated on your Premium Notice, you will receive a policy cancellation notice effective at a future date that will also reflect a late payment fee charge. Issuance of the cancellation notice due to non-payment of a scheduled installment(s) may result in the billing and collection of all or part of any outstanding premiums due for the policy period. Late Payment Fees vary from state to state and are not applicable in some states. Special Note: Please note that some states do not permit the charging of certain fees. Therefore, if your state does not allow the charging of an Installment Payment Plan, Dishonored Payment or Late Payment Fee,the disallowed fee will not be charged and will not be included on your Premium Notice. EFT-Automatic Withdrawals Payment Option: When you select this option, you will not be sent Premium Notices and, in most cases, will not be charged installment fees. For more information on our EFT-Auto- matic Withdrawals payment option, refer to the attached policyholder plan notice and enrollment sheet. Once again, please contact your agent if you have any questions about the above billing practice informa- tion. Thank you for selecting us to service your insurance needs. NP 89 71 09 10 0 2010 Liberty Mutual Insurance Company.All rights reserved. Page 1 of 1 NP 93 58 07 14 IMPORTANT NOTICE TO POLICYHOLDERS COMMERCIAL UMBRELLA MULTISTATE FORMS REVISION$ dear Valued PiAicyN:4der, Thank you far selecting us as your carmer fm your cxmrnereiat umbrella irwralx:e. This nofipm rtr,ta+ns a brief summary of the coverage changes made to your policy. These changes primarily result From reyisians in underlying policy fame. The changes outfined below are af�anized into three general categories: Professional Services Exclusions; Auto, Aircraft arvj Watercraft Exclusions; and Other Changes. Please note that not all of the endorsernertte nc4ed may apply to your specific policy, In addition, this notice does not reference every editorial change MdeJC to the aMrMW'nant of c.:rocrarge `&rn, orlty material (or slgnirlcant) coverage enangas, ® Freaset read +lour policy anra revle,w, your Ductarations page for c.cmiplele average Information. No mwvtr=ate is provided by this rintfce, nor can it be construed to replace any provisions of pour p-blicy. If there are dscrepancrzs mstweerl your picilcy and thas notica, the provisions of the Policy shag prevail, Should you nave rtu€stkrtts after ravicrairlg thy rhaalg4ss oudiried 6rluwv, ploace coar7tact yoilf nriupan[3bnt agent, Thank you far your huw)e55, SUMMARY OF POLICY CHANGES PROFESSIONAL SERVICES EXCLUSIONS The flowing endorsements are revised to expressly address, in part, claims alleging negligence or ether wrongdoing in the miring, employment, training, superkdsian or nnonitoring of others Lry any insun3d: CU 60 29 07 14 Professional Liability -Following Form 4p CU 60 60 07 14 Telecommunication Equipment Or Service Providers Errors And Ornl3slons Exclu- sion * CU 60 68 07 14 Medical Professtnnal Services Excluslon * CU 60 69 07 14 Medical Professional Services -Following Farm k CU 60 77 07 14 Texas -fn3urarlce Company As Named Insured rr CU 60 81 07 14 SPecif-tad Professional Liability Exclusion a CU 60 03 07 14 Louislana -S-chools Or Colleges Limitation CU 61 1507 14 Engineers, Ajtchihouts Or Surveyors Professional Liability Exclusion • CU 61 1807 14 Exclusion Of insurance Agents' And Brokers' Errors.And Omissions s CU 61 1907 14 Insurance Company As Named tusured Limilation a CU 61 3507 14 Professional Llehillty Exclusion o CU 61 37 07 14 Real Estate Agents And Brokers Errors And Omissions Extlusdon And Limitation CU 61 39 07 14 Schools Or Colleges LirnitaVorl Whletics Exclusion) a CU 63 15 07 14 Prolessional Liability -Law Enforcement Exclusion CU 63 16 07 14 Professional Liability - Emergency Medical TeFhnielans, Ambulance Drivers And Attendants Exclusion CU 6310 07 14 Schools Or Colleges Lirnitatlon (Athletics -rollow Form) s CU 63 97 07 14 Illinois -Insurance Company As Named Insured i CU 54 67 07 14 Exclusion - Internet Service Providers And Intemet Awe3s Providers Errors And Omissions Y CU 64 70 07 14 Professional Liability Excluslon - Electronic Data Proce3sing Services And Cram- putor Con€ultiN Or Programming Services CU 64 71 07 14 Professional Liability Exclusion -Web-Site l7esigner3 2014Liberty MutuA lnsurancs.Ail rights reserved. NP 93 58 07 14 lndudeS rVpyrighletl itlale.60 c'r Imur rice S&rve�di grrit)i�,10c,,with dq pe:off issibn, Page 1 of 11 ♦ CU 88 04 07 14 Professional Services Exclusion i CU 88 05 07 14 Professional Services -Following Form s CU 89 13 07 14 Specified Health Or Cosmetic Services -Following Form • CU 89 17 07 14 Exclusion Diagnostic Testing Laboratories y CU 89 18 07 14 Exclusion -Testing Or Consulting Errors And Omissions Editorial changes are also made throughout to achieve consistency among forms and improve readability. AUTO, AIRCRAFT AND WATERCRAFT EXCLUSIONS The following endorsements are revised to expressly address, in part, claims alleging negligence or other wrongdoing in the hiring, employment, training, supervision or monitoring of others by any insured: a CU 60 45 01 13 Watercraft Liability -Following Form 4 CU 61 01 01 13 Aircraft Liability Exclusion y CU 61 05 07 14 Auto Dealers And Auto Services Limitation b CU 61 06 01 13 Auto Liability -Following Form CU 61 07 01 13 Automobile Liability Exclusion b CU 6147 01 13 Watercraft Liability Excluslon CU 63 91 01 13 Aircraft Liability -Following Form qi CU 64 92 01 13 Mobile Equipment -Following Form Editorial changes are also made throughout to improve readability and achieve consistency among forms. OTHER CHANGES 1r If your renewal policy contains one of the following endorsements: ♦ CU 60 45 01 13 Watercraft Liability -Following Form and your prior policy contained endorse- ment CU 60 45 06 97 Watercraft Liability -Following Form qy CU 61 47 01 13 Watercraft Liability Exclusion and your prior policy contained endorsement CU 61 47 06 97 Watercraft Liability Exclusion then the following change applies to your policy., CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES In addition to the change described in the Auto, Aircraft and Watercraft section of this notice, the endorsement is revised to expressly state that the exclusion applies to any liability arising out of the entrustment to others of any watercraft. i If your renewal policy contains endorsement CU 60 54 07 98 Exclusion - All Hazards In Connection With Designated Premises and your prior policy contained endorsement CU 60 54 06 97 Exclusion Of Coverage For Specified Locations then the following changes apply to your policy: CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endorsement is: dr Newly titled, "Exclusion -All Hazards In Connection With Designated Premises"; and ♦ Revised to reinforce that the exclusion applies to any liability arising out of: • The ownership, maintenance or use of the premises shown in the Schedule or any property located on these premises; a Operations on those premises or elsewhere which are necessary or incidental to the ownership, maintenance or use of those premises; or TJ 2014Liberty Mutual Insurance.All rights reserved. NP 93 58 07 14 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 2 of 11 o Goods or pfoducLs rnanufacturad at or distribcted from those premises_ Editorial r-rYanges are also made throughout to improve readability and achieve cor,sislency among farms, • If your renew i pnlKq cpntafns end? sement CU 66 64 07 14 Contractors Limitation Endorsement Wrap-Ups arrrd ycwr prior poetcy conPainea CU 60 64 06 97 Contractors Limitation Endorserrwnt Ydrap.URs thsn the follow ng changes apply tr yeur policy. CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endrxsemrxnl is revisers as follows, w New defined forms, 'explosion hazard "collapse hazard' and `underground prop erly damage hazard", are added to achieve consistency with underiving exclusionary tarlgUage. 0 The pro€essional service; exclusiOri is revised', lo: s Exriude liability arislrirg out of the rend'emg of professional sefelees vriln respect to providing engineenng, architectural or surveying services to others �sn your capacity as an eNmeex, archded or surveyor; of pfovlding englnavr- cng, architectural or surveying services in connecton with ronslruclipn vrork you perform, e Expressly address claims alleging negl genoc or other wrongdoing in Ihr- hiF- Elam ing, em*k Tnont, training, supervision of rrronitonnq ar Others by any in- MMMW srjred. o Add Hn exceplion for cpnsm-wation means, methods, lachnigUas, sequences arid p oeoduras employed by the named Insured In conner lr n with your operaOoni a�a c ngtrwrtion contractor, Editorial changes are also made throughout to improve readability and achieve consistency among fornns. g if your renerpal policy conlsins e0orsemant CU 60 77 07 14 Texas • insurance Company As Nerved Insured arrdYOW prW poky ror!lav'led CU 60 77 06 97 Texas - Insurance Company As Named Insured Phan fhe following dmnges apply to your policy; CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES In. addition In the charryo described in the Pmfossional Ser4rices Exclusion sedioR ❑f this nolice, the endorsement Is revised an,follows; The claims handliN exdij5lan is amended to wmi ically reference Treaties crf in3ur- anca and self-insurance_ It is also revised to axprassly apply trj Ilse investigation of any Claims_ a The professional services erirluaicHl is revlsed to expressly address, a Inspection or making reccammendaticns as an insurance or reinsurance cams parry, consultant, agent, intermediary of broker_ e lrlainlalmig acomnts of ircord,3 of others. p Conducting investment, Inan, it real estate departments or operations- Acting in any capacity as a fiduciary or trustee fir arinwlies, endowments or employe benefits plans, 0 Perfprminq any claim, invesfigalive, adjustment, engineering, irxspectiQn, rxrl&]Mna, survey, aUdit, appraisal, actuarial or vita proressing servil rn for a fee. 'a 2014 Liberty hlutuat Inswranu�.AM an3hts resarved. UP 93 50 07 14 ndud gCpf yrighlr mglelal of Ir twuinceSerwces Qrrce,Inc„wlh dS perrnissior), Page $of 11 i if your renewal policy contains endorsement CU 61 05 07 14 Auto Dealers And Auto Services Limita- tion and your prior policy contained CU 61 05 05 09 Auto Dealers And Auto Services Limitation then the following change applies to your policy., CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES In addition to the change described in the Auto, Aircraft and Watercraft section of this notice, the endorsement is revised to expressly state that the exclusion applies to any liability arising out of the entrustment to others of any auto you lease or rent to others or an auto in any non-business activity. # If your renewal policy contains one of the following endorsements: • CU 61 06 01 13 Auto Liability -Following Form and your prior policy contained CU 61 06 06 97 Auto Liability -Following Farm 6 CU 61 07 01 13 Auto Liability Exclusion and your prior policy contained CU 61 07 06 97 Auto Liability Exclusion then the following change applies to your policy: CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES In addition to the change described in the Auto, Aircraft and Watercraft section of this notice, the endorsement is revised to expressly state that the exclusion applies to any liability arising out of the entrustment to others of any auto. The defined term "auto" is revised to mean auto as it is defined in the scheduled underlying insurance. i If your renewal policy contains endorsement CU 61 19 07 14 Insurance Company As Named Insured Limitation and your prior policy contained CU 61 19 06 97 Insurance Company As Named Insured then the following changes apply to your policy., CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES In addition to the change described in the Professional Services Exclusion section of this notice, the endorsement is revised as follows: • The claims handling exclusion is amended to specifically reference treaties of insur- ance and self- insurance. It is also revised to expressly apply to the investigation of any claims. w The professional services exclusion is revised to expressly address: • Inspection or making recommendations as an insurance or reinsurance com- pany, consultant, agent, intermediary or broker. r Maintaining accounts or records of others. ♦ Conducting investment, loan, or real estate departments or operations. a Acting in any capacity as a fiduciary or trustee for annuities, endowments or employee benefits plans. # Performing any claim, investigative, adjustment, engineering, inspection, consulting, survey, audit, appraisal, actuarial or data processing service for a fee. y IF your renewal policy contains endorsement CU 61 25 07 14 Liquor Liability Exclusion and your prior policy contained CU 61 25 05 09 Liquor Liability Exclusion then the following changes apply to your policy_ BROADENING OF COVERAGE The endorsement is revised to provide an exception to the exclusion with respect to allowing a person to bring alcoholic beverages onto the named insured's premises for consumption on the named insured's premises, but only to the extent there is scheduled underlying insurance for such liability and for no broader coverage than is provided by that policy. TJ 2014 Liberty Mutual Insurance.All rights reserved. NP 93 58 07 14 Includes copyrighted material of Insurance Services Office, Inc_,with its pemtission, Page 4 of 11 CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endorsernr@nt rs revised to reln(orce that the exclusion applies even if claims aegainst an insured allege negligence or other wrongdoing an the supervision, hiring, employment, training or rnonitoflreg of others, or provfd(ng & failing to provide transportation with respect to any person that may be under the influence of alco€io1. * if your renewal pc cry conrains endorsement GU fit 26 07 14 Liquor Liability - Following Form and}rciur yfior policy contairled CU 61 26 06 97 Liquor Liability - Following Form dt)rt fire latfowlng etuogss apOy la your puliry CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES _ Tho endorsement is revised to relnforce that tho exclusion applies even If Balms a-gainst an insured allege negligence or other wrongdoing in the supervision, hiring, employment training or Monitoring of others, or ptivdriing & Farling to provide lransportatlec with respect to any parsan Thal may he under the influence of afrohrA. Editorial charges are also mane hFQughraut to improve readability and aahieve cgnsisiency among forms. 6 rf your rwnerrar firWgv c oraros encbarsemenr CU 61 46 07 14 Failure To Supply Exclusion arxf yc�jr prior policy ",Waked CU 61 46 06 97 Failure To Supply Exclusion Etrerr ttae folfowinra changes apply ra your cah4'y, BROADENING OF COVERAGE An exception is added to the exclusion tar failure la supply that results from the sudden and a 6ftntal Injury to tangible property owned or used by any insured to procure, produou, prw.ga5 or lransmit the gas, oil, wat2r, electnaaty, Steam ar hiufuel, but only (o the extant (he€e Is scheduled underlying Insurance for such f2dwa to supply and for no hroader coverage than is provided try that poGCy, CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endixsrjment is revlserl to expressly stale that the exrAuslon also appiles to me failure of any rnsured to adequately supply biofiel. Editorial changea ere made throughout to improve readatAily and achdeve consisfenoy :among Forms. a rf your renew�ad PoNcy cavrarn-5 e.ndora-ement CU 61 50 07 14 Contractors Limitation Endorsern"t and your poor policy contained CU 61 54 11 06 Contractors Limitation Endorsement: there the fotkvwng ctr•5r ages apply ro your,prv,oy, CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endragement f5 revi5ed as fgllcgrrs; rr Nwv defined (erms, "explrysion hazard 'Wlapse hazard`- and `underground prop- erty danu3ge hazard`, are added to achieve consistency with underlying exclusionary language_ e The wrap-up rxelusion is reviser) to; 0 SpgcificaMy referenoz., ccrrsolideted insurance prognrrng; and o Reinfrxce that the excluslon applies whether or nal the consolidated (luf2p- up) insurance program provides idenliaal ouverage, hag adequate limits or rarnams in effect. ® 2014Liberty AlutL;A Insufanr,�.Ati rti,3hts rewrreoi. NP 93 SS 07 14 In[Iude3rtil5ytigl5lecl material (A lmy nonce Servrte3 Qrfiee,10C,.,with it,pern,'14ion, Page 5 of 11 w The professional services exclusion is revised to: • Exclude liability arising out of the rendering of professional services with respect to providing engineering, architectural or surveying services to others in your capacity as an engineer, architect or surveyor; or providing engineer- ing, architectural or surveying services in connection with construction work you perform. pr Expressly address claims alleging negligence or other wrongdoing in the hir- ing, employment, training, supervision or monitoring of others by any in- sured. Add an exception for construction means, methods, techniques, sequences and procedures employed by the named insured in connection with your operations as a construction contractor. Editorial changes are also made throughout to improve readability and achieve consistency among forms. M If your renewal policy contains endorsement CU 61 55 07 14 Municipalities Limitation Endorsement and your prior policy contained CU 61 55 04 99 Municipalities Endorsement or CU 61 49 12 99 Virginia Municipalities Limitation Endorsement then the following changes apply to your policy: BROADENING OF COVERAGE An exception is added to the exclusion for failure to supply that results from the sudden and accidental injury to tangible property owned or used by any insured to procure, produce, process or transmit the gas, oil, water, electricity, steam or biofuel, but only to the extent there is scheduled underlying insurance for such failure to supply and for no broader coverage than is provided by that policy. CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endorsement is revised as follows: • The professional services exclusion is revised to expressly address claims alleging negligence or other wrongdoing in the hiring, employment, training, supervision or monitoring of others by any insured. a The failure to supply exclusion is revised to expressly state that the exclusion also applies to the failure of any insured to adequately supply biofuel. ♦ New defined terms, "explosion hazard":, "collapse hazard": and "underground prop- erty damage hazard", are added to achieve consistency with underlying exclusionary language. The endorsement is re-titled to read: "Municipalities Limitation Endorsement'. Editorial changes are also made throughout to improve readability and achieve consistency among forms. If your renewal policy contains endorsement CU 63 97 07 14 Illinois - Insurance Company As Named Insured and your prior policy contained CU 63 97 11 97 Illinois - Insurance Company As Named Insured then the following changes apply to your policy: CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES In addition to the change described in the Professional Services Exclusion section of this notice, the endorsement is revised as follows: The claims handling exclusion is amended to specifically reference treaties of insur- ance and self- insurance. It is also revised to expressly apply to the investigation of any claims. 2D14Liberty Mutual Insurance.All rights reserved. NP 93 58 07 14 Includes copyrighted material of Insurance5eryk9s ,%e,Inc.,with its permission. Page 6 of 11 a The prolessional services exclusion Is reVlsed to expressly address: 0 Inspection or muiung reur&mrnendal"s as an insurance or relnsuranee con). pany, consultant, agent, intermediary or broker. f p Maintaining accounts or records of others. • Grnducting investmerit, loan, or real estate departments or operations. gr. acting in any capacity as a fiduciary or trustee For annuitieg, endcfwment ur employee bsnafits p4ans @ Performing any claim, invesligafive, adjustment,. engineering, inspection, mnsulung, survey, aurtit, appraisal, actuarial or Gala processing serooe Fur a fee. 0 ff y(-jtrr re,newaf polcy rrnfains endor,�ement CU 64 82 07 14 Amendment - Electronic Data and your pricy pWicy cr;rifai00 CU 64 82 11 04 Amendment -Elactrnnf>c Data ff ort the (oft wing ng tltangv+i apply fo your poficr CLARIFYING, EDiTORIAL AND PROCEDURAL CHANGES An elerAronb data exilusb ri Is added to Further reirifurce that cx5;rra+ge Is not intended for Iris,, of ekdmnic data. An exception to this exclusion i5 indkidEcl for darnages beceuse of bodily Injury; but only to tie extent Iflat Insurance lss provided for such damages by scheduled underlying fnauranFQa and fnr nu broader cover e than is providedd by such policy .. Editoriai changes are also made thro(ighout IQ improve readability and achieve crneiatenry ... among fortes. p if yr4jr nenewmf paky confaO3 a fc r°ment CU 64 92 61 13 Mobile Equipment . Following Form and )-wir prior p0fcy caniiwi srl GU 64 92 01 07 Mobile Equipment - Following Form fheo frig f-0Warrrtara` changes aappfy to your perdiry: CLARIFYING,. EDITORIAL AND PROCEDURAL CHANGES In atlditian to the change described in the Auto, Aircraft and Watercraft saclian of this notice, the endorsernenl is revised to: M Expreasly State that the exclusion applies to any liability arising out of the entrustment to others of any mottle equipment. • .Amend the definition of mile equipment to mean mobile equipment as it defined in the underlying insurainre. d ycur marrow-2f pzJicy crmfains erraorser reap CU 99 23 07 14 Amentll Of Ligtior Liability Exclusion - Exception For Scheduled Premises Or Activities gild yc;ur polar pcucy Contained CU 8a 23 05 09 Armendrmerd Of Liquor Liability Exclusion fftr:r rtr6 foffotv*r changes apyty To your po&y COVERAGE REDUCTION The endoc3ement is reprised to indicate ghat the Nquor liability exclusion will efply if e named insured per-nits .any person fo bnug any alcoholic be,rerages ❑n the named insured's promises, Fox rxrnsumplioro on the named irt5ured's premises. Howetier, an exception to the exclusion is added vvnth respect to allowing a person In bfing alcoholic- bevetages Ort the premises de- scribed in the Schredule of the efirllorsement, for consumption on the premises, but only fo the extent Qhsre i_3 scheduled underlying insuranes For such liability and for rig broader coverage than is provided by that policy, CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endorsement is revised to reinforce that the exclusion applies even if claims against an nsurwJ al"r nerjligence or other yvrongdoinq in €he supervislon, luring, cmploymrtnL training or tnpni[oring of others, or poyokling ar failinrg to provide Irartsprorlatitm with respect Iro any perms that niay be under the Influence of aleohei. 0 2014 Liberty Mutual lnsuranee,AA6ghts reserrad. NP 03 58 07 14 in(judesz:6Pyrlghtild rr,aterai Of ❑trce,111C,.W?h rls peff0ig ihn, Page 7 of 11 The endorsement is also re-titled to read "Amendment Of Liquor Liability Exclusion -Exception For Scheduled Premises Or Activities". • if your renewal policy contains endorsement CU 88 24 07 14 Amendment Of Liquor Liability Exclusion - Following Form and your prior policy contained CU a8 24 05 09 Amendment Of Liquor Liability - Following Form then the following changes apply to your policy., COVERAGE REDUCTION The endorsement is revised to indicate that the liquor liability exclusion will apply if a named insured permits any person to bring any alcoholic beverages on the named insured's premises, for consumption on the named insured's premises. CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endorsement is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others, or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. • If your renewal policy contains endorsement CU 88 30 07 14 General Amendatory Endorsement and your prior policy contained CU 88 30 05 09 Amendatory Endorsement then the following changes apply to your policy: CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES For consistency with the definition of personal and advertising injury, the personal and ad- vertising injury exclusions that apply to: Material published with knowledge of falsity; and It Material published prior to the policy period are revised to reference "in any manner", with respect to oral or written publication. The endorsement is also re-titled to read "General Amendatory Endorsement". 4 If your renewal policy contains endorsement CU 88 39 07 14 Amendment Of Definition Of Insured and your prior policy contained CU 88 39 02 10 Amendment Of Definition Of Insured then the following changes apply to your policy: CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endorsement is revised to: a Expressly state that coverage provided to the additional insured applies only to the extent permissible by law. e, Reinforce that the applicable limits of insurance shown in the Declarations are not increased by this endorsement. Editorial changes are also made to improve readability and achieve consistency among forms. • If your renewal policy contains endorsement CU 89 08 01 13 Assumed Products Liability Exclusion and your prior policy did not contain a similar exclusion then the following change applies to your policy: COVERAGE REDUCTION The definition of insured contract is amended to exclude that part of any contract or agreement that indemnifies any person or organization for bodily injury or property damage arising out of good or products sold, handled, distributed or disposed of by the insured. M 2014Liberty Mutual Insurance.All rights reserved. NP 93 58 07 14 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 8 of 11 The professional services exclusion is revised to expressly address: r Inspection or making recommendatians as an insurance or reinsuranc�-- corn- pany, nw!gultnnt, agent, inter rrediary w broker. w fdainlaining amounts or records of others_ m Conducting investment, Moan, or real estate deparba-rents or operations. •.. Acting in any caparaty as a 6d4niary or trustee For annuities, endcnument: or employee benafits plans. i Performing any claim, inves9igattive, adjustment,, engineering, inspection, consuftng, survey, audit, appralsal, actuarial or Gala processing spnaee far a €ee 6 if your renewat pOiry cdn(ari+g en�omemenf CU 64 82 07 14 Amendment . Electrpnlo Data and your prgrw p0cy contafoedr CU 64 92 11 04 Am+endmant -EWCtronic Data thert Irae fallowing chany+os.apapry to ytwr po1my.. CLARIFYING; EDITORIAL AND PROCEDURAL CHANGES An elecironk data rsxcbxslm Is added to further relinfeece that coverage Is not intendiad for less �- of eleqlroniri data. An exception to Ihis exclusion is included for dawgP5 because of bodily Injury. but only to U-* extait that Insurance; Is prr„r,cled for such damages by scheduled underly ng msurdnc>a and for no broader coverage than is prcciviclk by such policy —= Edihirial changes are algp made Ihmughout Io imp-rove readability and achieve congi31ency among forms. if your renpwa!Fafrcy cunfains errdor*ernent CU 64 92 01 13 Mobile Equipment - Following Form and your error iri r cy cronfarrrrrd CU 64 92 01 07 Mobile Equipment - Following Farm nlw 7 (he, foikrWVr g ctranges apWy to your p0icy- CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES In addition t0 the change described in the Auto, Aircraft and Watercraft section of (his notice, the endorsement is revised to, • Fxpreasly state that the exclusion applies to arry liability arieinq out of the entruglmenl bo others of any mobile equlprneni. o Ivnend the definiGcrn of mobile equipment to mean n*bile equipment as it defned in the underlying insurance_ • Of your rorr mw policy contains erwarmemeof CU 6S 23 OT 14 Arrionament Of Liquor Uabilityr €xclugson - Exception For Scheduled Premises Or Activities and your prior pofrcy contained CU 88 23 OS 09 Amandmorr6 Of L quor Liability Exclusion 1honr the foffatarrrg e;hanpes apply fo p+sur prfty; COVERAGE REDUCTION The endorsemem is revised to indicate that, the tfquur liability exclusion will apply if a named insured pe nits any person to tiring any alcoholic beverages t)n the named insured's premises, fcw consurnplion on the named insured's premises. However, an exctq)ton to the exclusion is added valh respect to allowing a person to bring alcoholic beverages (in the pramises de- scribed in the Schedule of the endorsement, for consumptim on the premises, bul only to the extent there is scheduled underlying insuranca for sudh liabitftyr and for no broader coverage than is provided by that policy. CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endorsement k revised to rfccce that the exclusion applieg even if Jaims against an insurers allege nnilgence or other wrongdoing in llrk superulslon, hiring, employment, training pr nrcnitoring of others, or providing or Failing to provide Iraasporlatien with: respect to any person that may^ be under the Innuence of alcohol. V 20141-iberty Mutual Insvranca.AA eights ras;ereed. NP 93 58 07 14 IntlUtlek eagPiyrig151rd matfrial of IngurdnmC erice6 affcc., InG„with ilk Peorii�zsipn, Page 7 of 11 The endorsement is also re-titled to read "Amendment Of Liquor Liability Exclusion -Exception For Scheduled Premises Or Activities". • If your renewal policy contains endorsement CU 88 24 07 14 Amendment Of Liquor Liability Exclusion - Following Form and your prior policy contained CU 88 24 05 09 Amendment Of Liquor Liability - Following Form then the following changes apply to your policy: COVERAGE REDUCTION The endorsement is revised to indicate that the liquor liability exclusion will apply if a named insured permits any person to bring any alcoholic beverages on the named insured's premises, for consumption on the named insured's premises. CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endorsement is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others, or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. • If your renewal policy contains endorsement CU 88 30 07 14 General Amendatory Endorsement and your prior policy contained CU 88 30 05 09 Amendatory Endorsement then the following changes apply to your policy: CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES For consistency with the definition of personal and advertising injury, the personal and ad- vertising injury exclusions that apply to: • Material published with knowledge of falsity; and • Material published prior to the policy period are revised to reference "in any manner", with respect to oral or written publication. The endorsement is also re-titled to read "General Amendatory Endorsement". • If your renewal policy contains endorsement CU 88 39 07 14 Amendment Of Definition Of Insured and your prior policy contained CU 88 39 02 10 Amendment Of Definition Of Insured then the following changes apply to your policy: CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endorsement is revised to: • Expressly state that coverage provided to the additional insured applies only to the extent permissible by law. • Reinforce that the applicable limits of insurance shown in the Declarations are not increased by this endorsement. Editorial changes are also made to improve readability and achieve consistency among forms. • If your renewal policy contains endorsement CU 89 08 01 13 Assumed Products Liability Exclusion and your prior policy did not contain a similar exclusion then the following change applies to your policy: COVERAGE REDUCTION The definition of insured contract is amended to exclude that part of any contract or agreement that indemnifies any person or organization for bodily injury or property damage arising out of good or products sold, handled, distributed or disposed of by the insured. 20141-iberty Mutual Insurance.All rights reserved. NP 93 58 07 14 Includes copyrighted material of Insurance Services Office,Inc.,with its permission, Page 8 of 11 0 If yoerr ranewai policy contains endorsement CU 89 11 01 13 Produets7Completed Operations Hazard Rede0ned eiut your prior prafky did nor contam a si wkir eau4 rserver5r Then The fbdowing a arVe opia'des To y-wr poRcyc BROADENING OF COVERAGE The products-r-ornplewd operations hazard Is arnanded to Include bodily Injury and Ixopwty damage if the bodily injury or property damage o hlr5 after you Iw e rotiNU shec. posseas of those products, to the extent that this armeflded d0mtron applles In a policy Isted In the I Schedule of Underlying lnsumnce, p If your renewal po.Gcy contains endorsement CU 89 12 01 13 Mexican Auto Coverage Exclusion and your enar poky di'd w coRTairr a sifmtar exrluslon then The Wowing Change applies re your policy: COVERAGE REDUCTION An exclusion is added to your policy for any [iabilih/ arising out of the omner5hip, rnaintenan€se, operations, use, sodding of unloading of any auto} In Mexico. a If your renewal policy curtains endersenient CU 89 13 07 14 Spe6ffed Flcalth Or Cosmetic Sirvlces - Following Form and your price poky dad not coxatain a similar arcfuvion fh.gn the Wfahwing change T� ayrplles to yow,pofk-y; rrWrti COVERAGE REDUCTION mom An exclusion is added to your policy Erse the rendering of any service, treatment, advice or Instruction for [fie purpose of appearance or skin erihancerrienl, hair rsrnrival or replacement or personal grooriling or therapy except to the extent that insurance is provided by a policy lisded In [he Schedule of Underlying Insurance. e if your renewal poky contains endomemeal CU 89 15 06 12 Arriendmenf of Cancellation Provisions - Scheduled Person or Organizaition and your prior policy did not contain a similar ondorsamur7l then Mm fodbwlnq 0aages apply to yarns policy; 13ROADEN[NG OF COVERAGE This Cancellation QQnciiticn5 ;are amended to pro ids prior written notice of cancellation to persons or orgaarizatlons that are shown In the Schedule of the endorsement fur reasons (Ahet than ricnpayrnent of premium, Our oh[i4atipn to send notice terminates at the earlier of the current policy period or when the named insured no longer has a legal or contractual obligation t9 Suc;h person or organization to maintain insurarwe coyerage under a policy_ which requires that such person or organization tie notified In the evont of cancAlatmn. 6 If yntir renewal porky co nfains err{ rserf+ErT CU 89 17 97 14 Exclusion Diagnostic Testing Laboratories, and your prior policy did not contain a sbnitar exdusidn thon tfia fnfhauwr%g changes app4y to your pofiny- COVERAGE REDUCTION An exclusion is arrlderl to your policy for bodily Injury, property damage_ personal Injury, ad- vertisjng rnjury, or peraonat And advertising injury aH5irtg put of 4 Medical or diagnasfic testing, techniques or pr000dursa used for the: e, Detection, diagnosis or treatment of any disease, condition or injury: or 0 Evaluaiton of a patient's response to treatment or medication; or w, The reporting of or reliance upon.. the results of such medical or diagnostic to-sling, tech- nique-3 or prccsedures as described above. 2014 Liberty Mutual Insurance.All rights raser�Dd. NP 93 •`r8 07 14 Inrjud"copyrighlr:d ethic al Of Inge aritg Skn rl a OPf4 ,Inc„with elk perrrii$Sipn, Page 9 of 11 ♦ If your renewal policy contains endorsement CU 89 18 07 14 Exclusion -Testing Or Consulting Errors And Omissions and your prior policy contained CU 89 18 01 13 Exclusion Diagnostic Testing Labora- tories then the following change applies to your policy CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES In addition to the change described in the Professional Services Exclusion section of this notice, the endorsement is re-titled to read "Exclusion - Testing Or Consulting Errors And Omissions". • If your renewal policy contains endorsement CU 89 18 07 14 Exclusion - Testing Or Consulting Errors And Omissions and your prior policy did not contain a similar endorsement then to following changes apply to your policy: COVERAGE REDUCTION An exclusion is added to your policy for bodily injury, property damage, personal injury, ad- vertising injury, or personal and advertising injury arising out of: w An error, omission, defect or deficiency in any test performed or an evaluation, con- sultation or advice given, by or on behalf of any insured. • The reporting of or reliance upon any such test, evaluation, consultation, or advice; or ♦ An error, omission, defect, or deficiency in experimental data or the insured's inter- pretation of that data. 1r If your renewal policy contains endorsement CU 89 19 01 13 Amendment of Watercraft Exclusion and your prior policy did not contain a similar exclusion then the following changes apply to your policy: CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The watercraft exclusion in your Commercial Umbrella Coverage Form is revised to expressly state that it applies: Even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by any insured. s To bodily injury or property damage arising out of the entrustment to others of any watercraft if such watercraft is owned by, or chartered without a crew by or on behalf of, any insured. w If your renewal policy contains endorsement CU 89 20 05 09 Waiver Of Transfer Of Rights Of Recovery Against Others To Us - Designated Person or Organization and your prior policy did not contain a similar exclusion then the following changes apply to your policy: BROADENING OF COVERAGE The Transfer Of Rights Of Recovery Against Others To Us condition in your Commercial Um- brella Coverage Form is revised so that we waive any right of recovery we may have against the entity shown in the Schedule of the endorsement because of payments we make for injury or damage arising out of your ongoing operations or your work done under a contract with that person or organization and included in the products-completed operations hazard. • If your renewal policy contains endorsement CU 89 21 01 13 Amendment of Aircraft Exclusion and your prior policy did not contain a similar exclusion then the following changes apply to your policy: CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The aircraft exclusion in your Commercial Umbrella Coverage Form is revised to expressly state that it applies: 4 Even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by any insured. To bodily injury or property damage arising out of the entrustment to others of any aircraft if such aircraft is owned by, or hired without pilot or crew by or on behalf of, any insured. Ti 20141-iberty Mutual Insurance.All rights reserved. NP 93 58 07 14 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 10 of 11 a ff y€cff rwwwal r.Ww ty (nr?00s CU ag 72 01 13 ExClusifin - Dasignatad Products :-20d q-xv priry pafioy did M? contain a,sfalilar exdus,�vr ^hen the Blowing charig's appines eo you.-paricyy. COVERAGE REDUCTION An exclusion is added to your paficy precluding ca,rerage for t,cdily injury or property darnage Included lil time products. wmpleted operations hazard arud arising out of oily Of youf products shown in the Schedule of the endorsement b !f yvur renowal prafiey coot'Wns fr7.dr1C'orixs^F7t CU 03 29 01 13 Exclusion -oasignaled WofR and yYae,r,W& por+cy did not contain a sfni&ir exclusion rhen t 90latwiiag change^,appfp to Your pofiey, COVERAGE REDUCTION _ An exclusion is added to your policy that precludes c verage for Bodily wijury or Wepedy damage inc11_rded in the prodllcts- ompleted opefllior4s hazard and arising out of your work - shown in the schedule of the endorsement. d yarn(r9rie4vaf pWiCy e1)Y,1ai1Xr erNy6IKBrIr6r?r CU 60 24 07 14 Ganaral Am6ndatory Endorsanwnt (Trade Dresy Limitation) and your praor prylw;y contained CU 99 24 01 13 Amendatory( Endorsement ITrade Dress Limitation) EP18/I the jolt wjjjg Chargtt s pp� y r[y€va p,)(;Cy. CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES For consistency with the definition of i and adlvwisir�g inyurij. the personas and ad- vertising injury exclusions that apply to: a Material published with knowledge of falsity; acid # Material published Prior to the Policy period are revised to rafarenc;a "in any manner", wilh respect to oral ar written puNieation. The endorsement is re-tltwd to read "funeral Armand tort' Endofsemem (Trade 4 er� Llrrtita= tion r. 20141-iben}r hiuWA nsuaance.AA n!lhte res?reDd. NP 93 58 07 14 hbude&oopryrighlexl of lw7 urrpn�p se:rvir;es Offre,Irlr,,,w�ilh M3 pwmis�ibn, Page 11 of 11 NP 99 99 02 16 IMPORTANT NOTICE TO POLICYHOLDERS AMENDMENT OF AIRCRAFT EXCLUSION Dear Valued Policyholder, Thank you for selecting us as your carrier for your excess liability insurance. This notice contains a brief summary of the coverage changes made to your policy. The changes outlined below are organized by individual endorsements. Please note that not all of the endorsements noted may apply to your specific policy. In addition, this notice does not reference every editorial change made to the endorsement or coverage form, only material (or significant) coverage changes. Please read your policy and review your Declarations page for complete coverage information. No coverage is provided by this notice, nor can it be construed to replace any provisions of your policy. If there are discrepancies between your policy and this notice, the provisions of the policy shall prevail. Should you have questions after reviewing the changes outlined below, please contact your independent agent. Thank you for your business. SUMMARY OF POLICY CHANGES If your renewal policy contains endorsement CU 89 21 07 15 AMENDMENT OF AIRCRAFT EXCLUSION and your prior policy contained endorsement CU 89 21 01 13 AMENDMENT OF AIRCRAFT EXCLUSION then the following changes apply to your policy. POTENTIAL RESTRICTION OF COVERAGE Coverage is potentially restricted in that the exclusionary wording is amended to exclude "bodily injury" and "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, if such aircraft is owned or operated by or rented or loaned to any "insured". CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES This endorsement has been revised to align more closely with the aircraft exclusionary language in your underlying liability insurance. Language was added for those aircraft operated by or rented or loaned to any "insured". Editorial changes are made throughout to achieve consistency among forms and improve readability . NP 99 99 02 16 0 2015 Liberty Mutual Insurance Page 1 of 1 Coverage Is Pmvrdad hT. Palicy Number liberty, ThA ntim Ce7� 1a Insumnr� Comoarry USU I1TI 55573742 pMutuaL .. IN9rer#hw�A r—ommercial tlmblrella Policy Declarations (ITEM 1)NAMED INSURED Ar MAILING ADWS AGENT MAILING ADDRESS CS PHONE ft NATHR.AL SYSTEMS DF_91GN [NC (21161 163-1 1 1 0 [900 N Nor-thlal<e Way $tc 211 NRG INSURANCE Sea111c.. WA 423I03 Pp B0X .14628 �1504.1 SLAM:1'LL•'., WA g8I_14-1629 Nmed losured Is: CORPORAT[ON Maned Insared gWressIK CONS LLFANTS (ITEM 2)POUCY PEMOD FTDrn tt M,?01n -IU 6` [72f11? I'__i_il AM Sumdurd Time ut InStIC:d Mailing Lcwatiou pTEM 3)PREMIUM CHARGES EkpWation of DESCRIPTION _ _ PREMIUM Charges _ Cnsn�ttc1a1:_F1rn9nrc11w ._ m..... ................ _____..... SSCrR twtd CY^._dr,td....3,ff'� of Tr+rrvrrrr:ras f'rvb'P.FSr ^' —.--.... ry ..AR (,Y' r•1 rsrtorl Tcaraf Adfr ice Charges $505.00 1't ltt, Tti ti' !e iirr a full BASIS OF PRENJII IS1: NON-AUDITABLE( V� AUDITABLE( ) IN FHE EVENT (IF CANCELLATION BSA' THE NAMED INSURED, THE CUr MPAN'r WILL FIECEIVE AND RETAIN NO [.FtiS THAN (0'4 1 OF THF. PGLICY PRFMIUM AS THE MINIMUM RUT,A[NF.I) PREMIUM PLUS CERTIFIED ACI'S OF TERRORISM COI'ERAUE AND ANY APPLICABLE TAXES AND SUPcHARGES. )ITEM 4)LIMITS OF INSURANCE DESCRIPTION LIMIT Er11"II OCr UPRENIIf L, S� ,aao,a00 A6GRFGATF (WHERE. APPLICABLE) $l,Odp,ilg4 PROI7UCI-5-COMPLETED LIPLRATIONSACURE6AFE 61,064,�6a SUP4N.SURED RE,WN T ION $20,000 ' :i�rvi�riy OK(r. Vde3le�fl 4Va�S9ing1e;r1 and Isr�je Crate 174104!15 Aulhormd Reprfaanlabve fn tvmrt a claim, call ycsr+r Agwo c 1-M352.06W rMMiIF 5!?1i3742 PIN'Wr3 225 NCXFPPN❑ INSURED raFry nalaw PAf1F 19. nF 50 cnr ge Is Provided An, Pc&y Number; Llbejrty The Ohio Cask It Inw_ragw Gomnalw USO 07E 55573712 �4"LE.EI,TT3l�. PTEM 5)SCHEDULE OF WMEDLYNG MSURAWE: CARRIER, POLICY NUMBER AND PFR(OD TYPE. OF C'QVERAGF. LIMITS OF INSURANCE OHIO SECE'RITY INSURIhNCE BUSINESSOWNERS 57,000,060 LIABILITY AND COMPANY LIABILITY MEDICAL EXPFNSE• LIMIT S4,004,009 OTHER THAN PRODLCTS - CCIMPLETED OPERATIONS AGGREGATE SJ,000,000 PRODUCTS - COMPLETED CIPLRATIONS AGGREGATE LIMIT Includes Non-Owned and'or Iliad Auto Liability RZF (17)55573742 OS,17r20I6 - C15!17i�i717 OHIO SECURITY INSUPtANCE STY)P GAP Sf,00h,000 BODILY INJURY EACH COMPANY LIABILITY ACCIDENT LIMIT' 12,0(W,000 W) DILY INJURY BY BZS{17)55573742 DISEASE. AGG€CEGATE 05,'17nO16 - 05;17.2017 LIMIT V,000,000 L?:OCDILY INJURY BY DJSEASEEACH EMPLOYEE LIMIT To report n char^ csR your Ageot or 4-800-382-D00a n5 70 23 VI 08 OITM.1.9 SS72742 Pfm.SVr M NC%FPPNrl INSUHEU EUE4' 1112m PACE TY nF 66 Coverage is Provadad In: Privy NumbOr; liberty the 4 hla Cawalr In anc3 � moarvv U50 11T) 55 57 37 42 .. IPA�iilep'.Akr.0 t I POLICY FORMS AND ENDORSEMENTS This section lists all the Farms and En&rsC`ment5 far gaur policy_ Refer to these documents as needed for deiadcd inforiwition i nwemmg your Coveoige, FORM NU'4 BYR TiTL,R — C1 f fill tit fib 97 t:vmrocrcia9 [ mlbyella E nvei tits F:$In1 Ctf 611 30 i16 Q7 0.im CugWy +ir Contml Exclttsiim - Real or Personal PmptTty CU 60 39 01 E5 Cap On Losses From Certified Acts Of Temirism C1I 60 40 01 E5 Underlying Coverage Rrequirr-nient For Certified Acts Of Terrorism 01 61 96 fil 13 Amo liakility - Following F'ofrri C'I1 61 l5 0 t4 Engineers.. r4nlutei:ts or Sureyun Prufutsgium l Liability Bxmlu3ien CU 6] 4111 X ELI Washinghon Chanecs -Cancellation and Nonrcnewal — Cll 63 44 D6 97 Fwign Liability - Fallowing Form C,1.1 fi4 311 l2 04 14'aehingloo - Fitngi or R:icietia F.xchisi<m wffimm CU b-1 32 f13 99 W4 ishinLhon Askngtrra EXCILISkn CU 64 7r1 05 U'.7 Exclusion - Recording and Distribution of Material or ["formation in Vioration of the Law Ctr 64 82 07 E4 Amendment - Electronic Tura CU 64 87 if)fi5 Economic or Trsvle S;Incttuns C.undilion Endorsement €'U 64921431 E3 Nfobile Equipment - Followin Form Clf 64 95 l2 U7 Waiver Transfer Rights of Recovery Agairisl (Ahees CU 65 Oil (A 15 Exchision Of PumtiwE Damal,e Related To A Cee fled AL-1 Of Terrorism CU 8S 41 l2 02 %'ar UaHity Exclusion Cu M i14 137 14 Professional Services Lxclusion Cif RS 27 i2 07 WashinglAin Employment Rclat,:d Naciiecs Exclu.gRm cli 88 3E 05 (19 PSI r7nal aitd Adierti tug ltijiely' - Following Forrt Cu 88 39 (17 14 Arnendmom of C flnilirin of lruTiA CU 88 41 02 EU Amendment of Pollution Exclusion Cu 89 E9 01 l3 Amendment cd Walcrcraft Exclusion Cu 89 ?I 0 E5 Amadmenr of Ait";ift F.xeloswn CU 8941 rU E4 Auuesg or Dj sA lImmry Of C'onliilwial Or Purgomil Wi)rmatiun Arid DaUt-Relalud - Li46ility xfih Limited Bodily Injv y Exrcptian Exclusion In wime.ss whereof, we have caused this policy to he stoned by OUT auUxDr lLd at7ieers. A D"ter Legg Paul CondAn Smrut'ary Presldenr To repmf a claim, call yqurAgertl or f-600.W2'-OWO US 70 23 01 08 iSL7Wil6 s"Fi7370 "LWCS 271 NCXFPPNO Irtsunen CAhPY nalm PuF ?i nF 6n CU600206O COMMERCIAL UMBRELLA COVERAGE FORM There are provisions in this policy Ihat restrict Insuring Agreelnerlt, V. DEFINITIONS. Words and coverage. Road the entirL� policy carefully to deter- phrases that appear in quotation marks have spe- mine rights, duties and what is and is not cov- cial meaning and can be found in the D€FINfTION sred. Section or the specirk policy provision vhers fty appear. Throughout this policy. the words "you and refernow Your' N Insuring Agreement, V DEFINITION. The nviords In oon5ideraSon of the payment of the premium 'we,' 'us" and "rAlr" refer to the Compalry pro- and in reliance upon the slaternents in the Dec- vid"rng this insurancs_ The word 'Insured` means larations we agroo with you to prrrvlde coverage any person or organization qualifying as such in as follows- INSURING AGREEMENTS L COVEPAOE B. The, G8nerat Aggregate limit is the most We wIII pay on behalf of the "Insured" these vie will pay for all damages wieaad under sums in exce$s of the 'F'Wlained Limit" that the Insuring Agreement in Sraction L, ok- the 'Insured" becomes Icvgally obfigaNd to cept, pay by mason of liability imposed by lavi or t, damages included in the "prcdutts- assumed by the "lnsured' under an 'Insured completed operations hazard"; and oQntracf" because of "bodily injury," "property damage.' "personal injury," or "advoillsing Z coverages Included In the policies list- Injury' that lakes place during the Policy Pe- ed in the Schedule of Undertyirecq. Insur- Hod and it caused by an "occurrenc€e' hap- anee to Alch no ilndertytng aggregate peeing anywhere, The amount we wit pay for limit applies. damages Is limited as described bury In the Insuring Agreement -Section II, LIMITS OF IN- The amount stated on the Declarations as SURANCE. the General Aggreggale Um it is the most via grill pay for all damages arising out of W. LIMITS OF INSURANCE any "bodily Injury,' "property damage,' "personal injury," or 'adverlising injury- A. The t Irnrts of Insurance shown In Vern 4. subferA to an aggregate hmlt in the "unr of the Derg'arations and the rules belco4 dertyiN insurance." The c49neral Aggre- state the rnast we will pay regardless of gate Limit applies separately and In the the numtrer of. same manner as the aggregate limits in the "uocferlying Insurance." t. `Insureds"; C. The Products-Completed Operateons Ag- 2. 'cinims" made or "suits" hruughl; or gregate Limit is the most vie will pay for 3. persons or erganizations snaking all damages Included m the "products- eompleted uperaliores hazard," 'claims' or bringing "suits," D. Sultjoct to B. tk C. in SocLirNi IL LIMITS OF INSURANCE, whichever applies, the Each Occurranca Limit is the most wo WIN pay For 'bodily injury." "pgopefty damage,' CLI t74 02 CI3 97 ipage 1 of 151 .personal injury," or "advertising injury" Schedule of Underlying Insurance nor covered under the Insuring Agreement in by any other insurance providing cov- Section I. because of all "bodily injury," erage to the "Insured" during the Poli- "property damage," "personal injury," or cy Period; "advertising injury" arising out of any one "occurrence." and then up to an amount not exceeding the Each Occurrence Limit as stated in the E. If the applicable Limits of Insurance of the Declarations. policies listed in the Schedule of Under- lying Insurance or of other insurance pro- Once the Self-Insured Retention has been viding coverage to the "Insured" are re- exhausted by actual payment of "claims" duced or exhausted by actual payment of in full by the "Insured," the Self-Insured one or more "claims," subject to the terms Retention will not be reapplied or again and conditions of this policy, we will: payable by the "Insured" for said Policy Period. 1. in the event of reduction, pay in excess of the reduced underlying Limits of In- III. DEFENSE surance, or; A. We will have the right and duty to investi- 2. in the event of exhaustion, continue in gate any "claim" and defend any "suit" force as "underlying insurance," but seeking damages covered by the terms for no broader coverage than is avail- and conditions of this policy when: able under this policy. 1. the applicable Limits of Insurance of F. The Limits of Insurance of this policy ap- the underlying policies listed in the ply separately to each consecutive annual Schedule of Underlying Insurance and period and to any remaining period of less the Limits of Insurance of any other than 12 months, starting with the begin- insurance providing coverage to the ning of the policy period shown in the "Insured" have been exhausted by ac- Declarations, unless the policy period is tual payment of "claims" for any "oc- extended after issuance for an additional currence" to which this policy applies; period of less than 12 months. In that or case, the additional period will be deemed part of the last preceding period for pur- 2. damages are sought for any "occur- poses of determining the Limits of Insur- rence" which is covered by this policy ance. but not covered by any underlying policies listed in the Schedule of Un- G. Retained Limit derlying Insurance or any other insur- ance providing coverage to the "In- We will be liable only for that portion of sured." damages, subject to the Each Occurrence Limit stated in the Declarations, in excess B. When we assume the defense of any of the "retained limit," which is the great- "claim" or "suit": er of: 1. We will investigate any "claim" and 1. the total amounts stated as the ap- defend any "suit" against the "In- plicable limits of the underlying poli- sured" seeking damages on account of cies listed in the Schedule of Under- any "occurrence" covered by this poli- lying Insurance and the applicable lim- cy, We have the right to investigate, its of any other insurance providing defend and settle the "claim" or "suit" coverage to the "Insured" during the as we deem expedient. Policy Period; or 2. All expenses we incur in the investiga- 2. the amount stated in the Declarations tion of any "claim" or defense of any as Self-Insured Retention as a result of "suit" are in addition to our Limits of any one "occurrence" not covered by Insurance. the underlying policies listed in the CU 60 02 06 97 (Page 2 of 15) 3_ We oral pay the following as expenses, 'claim" or 'suit' against the "Insured'."' to the extent that they are not included We will, however, have the fight and wlM in the roverage in the underlying poli- tie: (given the opportunity t0 partlicipate in cles listed In tfta Schedule of Under- the Settlement, defense and Mal of any lying Insurance or in any other insur- "claim" or "suit' refetive to any "oecur- ance providing coverage to the 'In- reriW which, In our opinion, may create cured": Rability on our pert under the terms of this policy_ If we exerrase such rigitt, wv wlfl a. pfAtniurhS ern bends to reiaase at- do so at our own expense. tachments, which bond amounts will not axeead our Limits of In- IV. EXCLUSIONS surance, but we are not obligated to apply for or furnish any Such This insurance does not apply tp: 31111111111211 blind; "Bodily injury" or `properly damaga" a:x- h. prwiums on appeal beds, pecled of intended from the standpoint of which tx_utd amounts will not ex- the "Insured_" This exclusion does not ap- reed our pricy limits, requires by ply to 'boddu injury" reskiking from the law to appeal any "claim' Or asa of reasonable, fo4ce to protect persons suit" we defend, but we are not or property. obligated to apply for or furnish mime any such bond; B. Any otAgalion of the "Insured" under a Workers Compensation, Unemployment IMMEW c, aM costs taxed against the "In- Compensation ot Disability Benefits Law, sured" in arty `claim" or 'suit" or under any similar law, regulation or we defend: ordinance. d. pre-judgment interest awarded C. Any obligation of the "Insured" under the against the "Insurers" on that part Employee Retirement Income Security ,Act of the judgment we pay that is of 1974 m any amendments to That act, or within out applicable Limits of In- under any similar law, regulation or crdi- sursnce. If we make an offer to nanCe. pay the applicable Limits of gnsur- anoe, we will not pay any pre- D. Any Obligation of the "Insured" under a judgment Interest based on the No Fault, Uninsured Motorist or Underin• period Of tame after the offer sured Motorist lew, or under any similar law. regulallon or ordinance, e- all interest that accrues after entry of judgment and before we have E. "Property damage" to "Impaired property„ paid, ❑ffeced to pay or deposited Or property that has not been physically In court the fart of the judgment Injured, aising out of; that is within our spplicahle Limit of Insurance; 11, a defect, deficiency, inadequacy or dangerous candition in "ypur product' f. the "Insured's" actual and reason- or "your work'; or ohla expense4 incurred at cur re- quest. 2. a delay of failure by you or anyone ac&g an yoLr behalf to perform a con- C. We will not investigate any `cltairn" or de- tract or agreement in ac-cordance Mtlh fend any "suit" after our applicable Limits its terms. Of Insurance have been exhausted by pay- ment Of judgments or SORlaments_ This o0usion does not apply to the loss of use of other property arising out of D. In all tAher inslancet exwpt Subsection A- sudden and accidental physical injury to in Section IN. DEFENSE, we will not be 'your product' or "your work" after it has Obligated to assume ctiar®,a of nil inves, baan put to its intended use. tigation, settlement or defense of any Ct} M 02 D6 97 (Page 3 of 15) F. "Property damage" to "your product" aris- damages that the "Insured" would ing out of it or any part of it. have in the absence of the contract or G. "Property damage" to "your work" arising agreement. j out of it or any part of it and included in K. "Advertising injury" arising out of: the "products-completed operations haz- ard." 1. breach of contract, other than misap- propriation of advertising ideas under This exclusion does not apply if the an implied contract; damaged work or the work out of which the damage arises was performed on your 2. the failure of goods, products or ser- behalf by a subcontractor. vices to conform with advertised qual- ity or performance; H. Damages claimed for any loss, cost or ex- pense incurred by you or others for the 3. the wrong description of the price of loss of use, withdrawal, recall, inspection, goods, products or services; or repair, replacement, adjustment, removal or disposal of: 4. an offense committed by an "Insured" whose business is advertising, broad- 1. "your product"; casting, publishing or telecasting. 2. "your work"; or L. Any liability, including but not limited to settlements, judgments, costs, charges, ex- 3. "impaired property" penses, costs of investigations, or the fees of attorneys, experts, or consultants, aris- if such product, work or property is with- ing out of or in any way related to: drawn or recalled from the market or from use by any person or organization because 1. The actual, alleged or threatened pres- of a known or suspected defect, deficiency, ence, discharge, dispersal, seepage, inadequacy or dangerous condition in it. migration, release, or escape of "pollu- I. "Property damage" to property owned by tants," however caused. the "Insured." 2. Any request, demand or order that any "Insured" or others test for, monitor, J. "Personal injury" or "advertising injury": clean-up, remove, contain, treat, de- l. arising out of oral, written, televised, toxify, neutralize or in any way re- videotaped, or electronic publication of spond to or assess the effects of "pol- material, if done by or at the direction lutants." This includes demands, direc- of the "Insured" with knowledge of its tives, complaints, "suits," orders or re- falsity; quests brought by any governmental entity or by any person or group of 2. arising out of oral, written, televised, persons. videotaped, or electronic publication of 3. Steps taken or amounts incurred by a material whose first publication took place before the beginning of the poli- governmental unit or any other person cy period; or organization to test for, monitor, clean-up, remove, contain, treat, de- 3. arising out of the willful violation of a toxify or neutralize or assess the ef- penal statute or ordinance committed fects of "pollutants." by or with consent of the "Insured"; or This exclusion will apply to any liability, 4. for which the "Insured" has assumed costs, charges, or expenses, or any judg- liability in a contract or agreement. ments or settlements, arising directly or This exclusion does not apply to liabil- indirectly out of pollution whether or not ity for the pollution was sudden, accidental, grad- ual, intended, expected, unexpected, pre- ventable or not preventable. CU 60 02 06 97 (Page 4 of 15) As used in this exclusion "pollutants' 3- coercion. demotion, evaluation, reas- means any solid, liquid, gaseous, or ther• signment, dlsclpllnei defamation, k @- mal irritant or contaminant, including, but ra.55manf, molErtation, humiliation, not limuted to smoke, vapor, soot, fumes, discrlminatlon or other employment re- acids, alkalis, chemicals and waste ma- lated practices, policies, acts or cmis- teflal, Waste ma€aalal mr1udes materials sloes: or which are intended to be or have been recycled, recondltloned or redalmed. 4. corlsequenrial "bodily injury,' 'proper- ty damage,` "personal injury- or 'ad- M. "Bodily injury' or "property damage' due leertising injury` as a result of 0.1, to war, whether ar not dadared, or any act through 0.3. or condition incident to war, War includes —. civi rear, irL�urmclicn, rebellion er rewolu_ This exclusion applies wlleillWr the "In- tion This exclusion applies only to liability sured" may be held Ilable as an employer assumed undar a contract or ag eemant. or in any other capacity and to any oUiga- tion to share damages with cr to repay N. Any habitity, including, but not limited to somewo else who must .pay damages be- sejffnents, judgments, cods, charges, ex- cause of "bodily injury,` "property dame penses, costs of lnwo5tiigatibns, or the foes age- 'personal injury" or 'advertising irR- of attorneys, experts, or consultants axis- jury" ing out of or related in any way, either directly or indirectly, to, P, "Bodily injury," "property damage," "per- sonal injury` or 'advertising injury" Ox- 1, asbestos, asbestos products, asbestos- cluded by i!he Nuclear Energy Llabllity Ex- containing matarials or pmdducts, as- clusion aMt Clh d to this Policy. bestas fibers or nbeatos dust, includ- rig, but not limited to, mar nufarAura, Cd. The following Items 1. through 4., except mining, use, sale, installation, removal, to the extant that suite insurance is pro- w distribution activities; vlded by a poilcy tested in the Schedule of Underlying Insurance, and for no broader 2. exposure to testing for, morilioring of, coverage than Is provided by such policy, cleaning up, removing, containing or treating of asbestos, asbestos pro- 1. Wbllity of any employee with respect ducts, asbastus-cw4uning materials or too "bodily injury," "property damage,' products, asbestos fibers or asbestos personal Injury" or "advertising In- dusli. or jury" tc- you or to another employee at the same employer k)jured In the 3. any 4brigatien to investigate, settle or course of such emgriayment. defend, or Inklemnlf'y any person against any "claim' or "suit" arising 4 Mudiy injury' or "property damage' out of, or related in any way, either arising out of the ownership, rnalruen. directty of indirectly, to asbestos, as- ance, operation, use, "loading" or 'un- bestos products, asbestos-containing loading" of any watercraft, If such materials or products, asbestos fibers watercraft is rrwnedl, or chartered with- or asJbes[os dust. out ceew, by or on behalf of any "In- sured." This exclusion wit not apply to 6. `Bodily injury," "property damage," "pier- watercraft w7i1ler ashore ai any prem- 54nal injury' or 'advertising injury" aris- ise5 owned by, renled to, or oantrclled ing out of any: by you. 1. refusal to employ or promote; 3. 'Boddy injury' of 'propeaty damage" arising out of the ownership, mainter� 2. termination of employment; ance, operation, use, 1nading" or 'un- loading" of any aircraft, it "Ch limraft is o r6ed, or hired without pilot or crew, by rr on b0alf of any "Insured.' CU 30 02 N 97 (Page 5 of 15) 4. "Bodily injury" to: B. "Auto" means a land motor vehicle, trailer or semitrailer designed for travel on public a. an employee of any "Insured" roads, including any attached machinery or arising out of and in the course equipment. "Auto" does not include "mo- of: bile equipment." I. employment by any "In- C. "Bodily injury" means physical injury, sick- sured"; or ness, or disease, including death of a per- son. "Bodily injury" also means mental ii. performing duties related to the conduct of any "In- injury, mental anguish, humiliation, or shock if directly resulting from physical sured's" business; or injury, sickness, or disease to that person. b. the spouse, child, parent, brother D. "Claim" means any demand for monetary or sister of that employee as a damages upon an "Insured" resulting from consequence of Paragraph 4.a. a covered "occurrence." This exclusion applies: E. "Impaired property" means tangible prop- erty, other than "your product" or "your a. whether any "Insured" may be work," that cannot be used or is less use- liable as an employer or in any ful because: other capacity; and b, to any obligation to share dam- 1. it incorporates "your product" or "your ages with or repay someone else work" that is known or thought to be who must pay damages because defective, deficient, inadequate or dan- of the injury. gerous, or 2. you have failed to fulfill the terms of a V. DEFINITIONS contract or agreement; A. "Advertising injury" means injury arising if such property can be restored to use by: solely out of advertising activities of any "Insured" as a result of one or more of the 1. the repair, replacement, adjustment or following offenses during the policy pe- removal of "your product" or "your dod: work"; or 1. oral, written, televised, videotaped, or 2. your fulfilling the terms of the contract electronic publication of material that or agreement. slanders or libels a person or organiza- tion or disparages a person's or or- F. "Insured" means each of the following, to ganization's goods, products or ser- the extent set forth: vices; 1. The Named Insured meaning: 2. oral, written, televised, videotaped, or electronic publication of material that a. Any person or organization listed violates a person's right of privacy; in Item 1. of the Declarations, and any Company of which you own 3. misappropriation of advertising ideas more than 50%, as of the effective or style of doing business; date of this policy. 4. infringement of copyright, title or slo- b. Any organization you newly ac- gan; or quire or form, other than a part- s. mental injury, mental anguish, humili- part- nership, joint venture or limited 1 ry, 9 liability company, and over which ation. or shock, if directly resulting you maintain ownership or major- from Items A.I. through A.4. ity interest, will qualify to be a Named Insured. However: CU 60 02 06 97 (Page 6 of 15) (1) coverage under this provi- 'unloading" of any "autos," aircraft or slon Is afforded ordy until the watercraft unless such coverage is In- Roth day after you acquire or cluded under the policies listed in the form the organIzatioin or the Scheduler of Underlying Insurance and end of the policy period. for no broader otweragle than is pro- wh if,hever is earlier', vlded under such underlying cuticles. (2) coverage does not apply to Puijpiloyees iiiclude "leased ',workers" -bodily injury,' "properly Wt rwt "temporary workers." "Leased damage." 'personal injury' workers" are leased to you by a labor or "adva ttisirag injury' that leasing firm under an agreement be- c erred before you acquired twe€n you and the labor Ceasing firm of farmed the organization; to perform related duties to ff,e con- and duct of your business. "Leased wrsrk- 3 coverage applies on rf the ers' are not 'temporary mXkera' { } 9e pP N `Ternporary workers" are persons fur- organization is included un- niyhed to you to sul*f lute for peFina- der the coverage provided by vent employees on leave or to meet tfte prilini8s listed in the seasonal or short-term sworkloed condi- Schedule of Underfyirxd In- tiarts. surance and then for no broader coverage than is 7. Any person, other than orie of your provided' under suoh under- employees, or organization while ad- lying policies. ing as your real estate manager. 2. If you are an iridNiduaF, you and your 8; Any person (other than your partners, spausa, But only with (aspect 10 the executive of%L2rs, directors, st❑ckhol- conduct of a business of which you are ders or employees) or orxaacizations, the sole owner as of the effective data with respect to any 'auto' ow M By of this policy, you, loaned to you or hired by you or on your behalf and used with your par- 3- If you are a partnership or joint ven- mIS*K)n. turn, the partners or members and their spouses but only as respects the However, the coverage granted by this conduct of your business, Pfnvision 9. doss not apply to any per- 4. If are a Ilntlttd tlahtlt company, son using an 'auto" while working in a you ycosiness that solis, sarArAs, repairs or the members or managers tout only as parks 'autos" unless you are In that respects the conduct of your business. Businnss. 5. Any person or organization, other than S. No person or organization Is an "In- the Named Insured, included as an ad- s_ured" with respect to the conduct of djWnal "Insured" by virtue of an "In- any current or past partrwrshlp or joint cured QQnhraet," and to which coverage venture that is not shown as a Named' Is ,provided By the °underlyinrd Inury- Insured In tha Declarallons. ance,' and for no broader coverage Chan Is provided by the "underlying G. "Insured contrail" means any oral or wrnr- ins.urance' to such additional "In- ten oorztract or agreement entered into by sured.' you and pertaining to your buslmss under which you assume the "fort liability' of 6. Any of your partners, executive offs- another party to pay for "bodily Injury' or cars, directors, or amplrryeas but only while acting within the Scope of their 'prop!' damage" to a third person or n9 R organization, provided that the 'budlfy In• duties. jury" or "property dsms+ge' orran9 5ubse- Howcver, thri cnvoragc granted by this fluent to the execution of the contract or provision 6. does not apply to the own- ership, maintenance, use, `loading" or GU r�O 02 06 97 (page 7 of 15) agreement. 'Tort liability" means a civil a. air compressors, pumps and gen- liability that would be imposed by law in erators, including spraying, weld- the absence of any contract or agreement. ing, building cleaning, geophysi- cal exploration, lighting and well H. "Loading" or "unloading" means the han- servicing equipment or cling of property: b. cherry pickers and similar devices 1. after it is removed from the place used to raise or lower workers; where it is accepted for movement into or onto an aircraft, watercraft or 6. vehicles not described in 1., 2., 3., or 4. "auto" above maintained primarily for pur- poses other than the transportation of 2. while it is in or on an aircraft, water- persons or cargo. craft or "auto" However, self-propelled vehicles with 3. while it is being moved from an air- the following types of permanently at- craft, watercraft or "auto" to the place tached equipment are not "mobile where it is finally delivered. equipment' but will be considered "autos": However, 'loading" or "unloading" does not include the movement of property by a. equipment designed primarily for: means of a mechanical device, other than a hand truck, that is not attached to the (1) snow removal; aircraft, watercraft or "auto." (2) road maintenance, but not I. "Mobile equipment' means any of the fol- construction or resurfacing; lowing types of land vehicles, including or any attached machinery or equipment: (3) street cleaning; 1, bulldozers, farm machinery, forklifts and other vehicles designed for use b. cherry pickers and similar devices principally off public roads; mounted on auto or truck chassis and used to raise or lower work- 2. vehicles maintained for use solely on ers; and or next to premises you own or rent; c. air compressors, pumps and gen- 3. vehicles that travel on crawler treads; erators, including spraying, weld- ing, building cleaning, geophysi- 4. vehicles, whether self-propelled or not, cal exploration, lighting and well maintained primarily to provide mobil- servicing equipment. ty to permanently mounted: J. "Occurrence" means: a. power cranes, shovels, loaders, diggers or drills; or 1. as respects "bodily injury" or "prop- erty damage," an accident, including b. road construction or resurfacing continuous or repeated exposure to equipment such as graders, scrap- substantially the same general harmful ers or rollers; conditions; 5. vehicles not described in 1., 2., 3., or 4. 2. as respects "personal injury," an of- above that are not self-propelled and fense arising out of the business of are maintained primarily to provide any "Insured" that results in "personal mobility to permanently attached injury." All damages that arise from equipment of the following types: the same or related injurious material or acts will be considered as arising out of one "occurrence," regardless of the CU 60 02 06 97 (Page 8 of 15) frequency or repetition thereof, the b. work that hag not yet been Dora number and kind of media used and p4eted or abandoned. the number of deimania; 2. 'Your work' will be deemed complet- 3. as respects "advertising injury," an of- ad at the earliest of the following fense committed in the course of ad- times' vertising your goods, products and ser- vlces that results In 'ad4'ertiSIN In- a. When all of the work called for in jury.' AN damages that arise frnrn the your contract has been cramplet- sarne or related injurkaus material or ` acts will be oonsidemd as arising out b. Men all of the work to be dome of one 'ocraurrence," regardless of the at lore site has been camploted if frequency or repetition thereof, the your contract calls for work at number and kind of media used and more than one site. the number of claimants. c. When that part of the 'work done K. "Personal injury* means injury other than its "bodily injury' or "advertisingat a a6 site has been put to injury" arisen at wiled cite by any person or its ng out of one or more of the followii g ganizatian other than another carp _ offenses during the policy period; tractor or subcontractor working 1. fafse arrest, detention or impfison= an the same project. mono Work that may need service, maintan- 1 malicious prosecution; ance, correction, repair or replacement, but which is otherwise oarnplefe, wilt 3. the wrongful eviction from, wrongful be treated as compfeled, antry into, or lnvgsinra of the night of prlaate occupancy of a room; dwelfi>ng 3. This "products-crooipfrrted operations or premises that a perwn oczuws by hazard` does not Include "bodily in- of on behalf of Its owner, landlord or jury" or "property damage" arising out lesstarl of: 4_ nraf, written, televised, videotaped, or a. the transportation of prapetly, un- eledronlc publCcallon of material that less the injury or damage arises slanders or Fels a person or organiza- out of a ctndiwm in or an a ve- tlen or disparages a peirson's or or- hiirle created by the 'fading" or ganjzatuon'g goads, products or ser- unloading" of it; vices, b. the existence or tot , uninstalled 5. oral, written, teleglsad, +Id&otaped; or equiomenf or abandoned or un- eleotranie puhliralian of material that usgd matstials_ violates a person's right of privacy; or M. "Rroperty damage' Vnoans: 6. mental injury, mental anguish, humill- 1. physlcal Injury to tangible property, Ina alion, or shock, if diracify resulting eluding all resulting "s of use of that from Items K.1, through 5. "any- All such loss of use will be L. 1. 'Products-oorripleted operations hoz- deemed to aerur at the tinge of the art" warts art "bodily iryury' and physlcal Injury that caused IL or 'property darriaO' from an "oorur- 2, loss of use of tangible property that is ranee' taking place away from prom- not physically injured. All such loss ises you owls or rent and arising out of will be deermed to oetAir at the We of -your product" or "your work' except the 'occr+mence' that caused it a_ products that are still in vour FF. "$uit° means a civil physical possession; ria ession; or pr edmg vfiid seeks otietary damages because of 'bod- ily injury," "prtrpert'y damage,' 'per- GU DU 02 X 97 (Page 9 of 151 sonal injury," or "advertising injury" to "Your product" does not include vending which this insurance applies. "Suit" in- machines or other property rented to or cludes: located for the use of others but not sold. 1. an arbitration proceeding in which Q. "Your work" means: such damages are claimed and to which you must submit or do submit 1. work or operations performed by you with our consent; or or on your behalf; and 2. any other alternative dispute resolution 2. materials, parts or equipment fur- proceeding in which such damages are nished in connection with such work or claimed and to which you submit with operations. our consent. "Your work" includes: O. "Underlying insurance" means the insur- ance coverage provided under policies 1. warranties or representations made at shown in the Schedule of Underlying In- any time with respect to the fitness, surance, or any additional policies agreed quality, durability, performance or use to by us in writing. It includes any policies of "your work"; and issued to replace those policies during the 2. the providing of or failure to provide term of this insurance that provide: warnings or instructions. 1. at least the same policy limits; and VI. Conditions 2. insurance for the same hazards, except A. Appeals as to any modifications which are agreed to by us in writing. If the "Insured" or an "Insured's" under- lying insurers do not appeal a judgment in P. "Your product" means: excess of the "retained limit," we have the 1. Any goods or products, other than real right to make such an appeal. If we elect property, manufactured, sold, handled, to appeal, our liability on such an award or distributed or disposed of by: judgment will not exceed our Limits of Insurance as stated in Item 4. of the Dec- a. you; larations plus the cost and expense of such appeal. b, others trading under your name; or B. Audit c. a person or organization whose We may audit and examine your books business or assets you have ac- and records as they relate to this policy at quired; and any time during the period of this policy and for up to three years after the expira- 2. Containers (other than vehicles) materi- tion or termination of this policy. als, parts or equipment furnished in connection with such goods or pro- C. Bankruptcy or Insolvency ducts. The bankruptcy, insolvency or inability to "Your product" includes: pay of any "Insured" or the bankruptcy, insolvency or inability to pay of any of the 1. warranties or representations made at Underlying Insurers will not relieve us any time with respect to the fitness, from the payment of any "claim" or "suit" quality, durability, performance or use covered by this policy. Under no circum- of "your product"; and stances will such bankruptcy, insolvency or inability to pay require us to drop down 2. the providing of or failure to provide and replace the "retained limit" or assume warnings or instructions. any obligation with the "retained limit" CU 60 02 06 97 (Page 10 of 15) D. Cancellation reflation and the receipt of any refund that may become payable under this t. You may danoel this policy. You must Policy mail of deliver advance written notice to is slating when the Cancellation is 8- Any of these prcrrisicns that conflict to lake effPcI. with a law that controls the cancella- tion of the insurance in this policy is 2. We may cancel this policy. If woe cancel -hanged by this statement to comply tsacause of nonpayfneni of pfamium, urilh the law, we must trail or deliver to you not tess than ten (la) days adva=a wtiltan no- E, Changes tice stating when the cancellation is to take oNdcl. If wo tanA' l for any €rfftaf Notice to any agent or kno wkw ge pds- reason, we must mail or deliver to you sessed by any agent or any othef person mom not lass than thirty (311) days advance will nit effect a waiver or a change in any written notice stating when the can- part of this policy. Tfiis policy can onhy be reflation is to lake affect. ydading that Changed by a written endors5mont that notice to you at your mailing address becomes a part of this polirly and that is ^^^=^ shown in Item 1, of the Declarations signed by one of our authorized repro- wit be sufficient to prove poke. sentatives, 3. The policy period vuall end on the day F. Duties In The Event of An 0murrence, and hour stated in the CanCellatirn no- Claim Or Suit tire. 1. You must see to it that we are nollfled 4 If sse, cancel, final pre"urn will be pal- as soon as practicable of an "oocur- culaled pia tare based on the tnne this rence" which may result in a "claim" policy was in farce. Final premium win or "suit' undef this policy. To the ex- not be lass than the Mlnlrnum Pre- tent possible, notice will include; mium as shown in Item 3, of the Dec- Iaratiotns. a. how, when and where the "oecur- rence" lack place, 5. If you cancel, frunal premium win be more than pro rota„ if vAl be based on b- the narne5 and addresses of any the tme this policy was In force and Injumad person and witnesses; increased by our short rate cancellation table and procedure, Final premium c.. the naiure and tocation of any in- win not tub less than the Minimum Pre_ jury ❑d dnma,ga arisirsg emut of the mium as shown in Item 3, of the Dec- `occurrence." laratlt ng- 2o If a "claim' or "suit" against any "In- 6. I>reuruitum adlu4tracnt may he made at sured" is reasonably likely tO i,rwe•IVV the brn(s of canooeliatlon or as soon as this policy ycui must notify us in writ- prar,9tt able thereafter but the canc�-lla- ing as snort as practicable- tiw wlll be effeetive even If we have 3. You and any other involved "Insurnd' not made or offered any refund due must: you, Our check or our reprrp-centatvo'.s check, mailed or delivered, win be suf- a. immediately send us capies of ficlent tender of any refund due you. any demands, notices, summons- T. The first (darned Insured in Item 1, xf es ❑r legal papers received in can- tne badarations will act on balalr of nectlon with the "claim' or at other "Insured's" with respect to the giving and m6aiving of notice of b- outhorize us to ubtain recerda and can- other Oformatlon; GU 60 02 06 97 page 11 of 15) c. cooperate with us in the inves- 1. to keep the policies listed in the Sched- tigation, settlement or defense of ule of Underlying Insurance in full the "claim" or "suit"; and force and effect; d. assist us, upon our request, in the 2. that any renewals or replacements of enforcement of any right against the policies listed in the Schedule of any person or organization which Underlying Insurance will not be more may be liable to the "Insured" be- restrictive in coverage; cause of injury or damage to which this insurance may also ap- 3. that the Limits of Insurance of the poli- ply, cies listed in the Schedule of Under- lying Insurance will be maintained ex- 4. The "Insured's" will not, except at cept for any reduction or exhaustion of their own cost, voluntarily make a pay- aggregate limits by payment of ment, assume any obligation, or incur "claims" or "suits" for "occurrences" any expense, other than for first aid, covered by "underlying insurance"; without our consent. and G. Inspection 4. that the terms, conditions and endorse- ments of the policies listed in the We have the right, but are not obligated, Schedule of Underlying Insurance will to inspect the premises and operations of not change during the period of this any "Insured" at any time. Our inspections policy such as to increase the coverage are not safety inspections. They relate only afforded under this policy. to the insurability of the premises and op- erations of any "Insured" and the premi- If you fail to comply with these require- ums to be charged. We may give you re- ments, we will only be liable to the same ports on the conditions we find. We may extent that we would have been had you also recommend changes. While they may fully complied with these requirements. help reduce losses, we do not undertake to perform the duty of any person or organi- J. Other Insurance zation to provide for the health or safety of any employees or the public. We do not If other insurance applies to a loss that is warrant that the premises or operations of also covered by this policy, this policy will any "Insured" are safe or healthful or that apply excess of the other insurance. Noth- they comply with laws, regulations, codes Ing herein will be construed to make this or standards. policy subject to the terms, conditions and limitations of such other insurance. How- H. Legal Actions Against Us ever, this provision will not apply if the other insurance is specifically written to be There will be no right of action against us excess of this policy. under this insurance unless: K. Premium 1. you have complied with all the terms of this policy; and The first Named Insured designated in Item 1. of the Declarations will be respon- 2. the amount you owe has been deter- sible for payment of all premiums when mined by settlement with our consent due. or by actual trial and final judgment; The premium for this policy will be com- This insurance does not give anyone the puted on the basis set forth in Item 3, of right to add us as a party in an action the Declarations. At the beginning of the against you to determine your liability. policy period, you must pay us the Ad- vance Premium shown in Item 3. of the I. Maintenance of Underlying Insurance Declarations. During the period of this policy, you agree: When this policy expires or if it is can- celed, we will compute the earned pre- mium for the time this policy was in force. If this policy is subject to audit adjust- CU 60 02 06 97 (Page 12 of 15) ment, the actual exposure basis will he Expenses incurred in the exercise of righW used to cc nNte the earned premium, If of reoovery wig be app>`rtlorw4d between the earned premium is greater than the the interosts, including the "Insured," in Advance Premium, you will promptly pay the ratio of their respectrve recoveiles as Lis the differe_noe. If the gamed premium is finely settled. less than the advance Premium, vie will return the diffierence to you. But in any N. Terms Conformed to Statute event we will retain the Minimum fire- The terms of this Policy which are in con- mium as shown in item 3. of the Declara flict with the statutes of the state where tIons for each twelve months of our Policy this Policy is issued are amended to con- period- frPtm to such statutes. UNINEEr L, Separation of Insureds ff we are prevented try law M statute from Except with respect to our Limits of lnsur- paying on behalf of an 'Insured,' then we snee and any rights OF duties specificatV wAL where permitted by law or statute, assigned to the first Named Insured des- indemnify the "Insured" for those surro-s in ignawd in Item 4, of the Dadarattiun,s, this excess of the 9retsined limit," insurance applies: O. Transfer of Your Rights And Dulles 1. as if each Named Insured were the Your rights and dunes under This Ro 'i only Named Insured; and _ May not hO trarlSl@Fred 141fft9(141t our wntliEn 2. separately to each "Insured" against c9nsent. where 'Claim' is made or "suit" ff tuoughl you die or are legally declared bankrupt, your rights and dutles wig be transferred M, Transfer of Rights of Recovery Against to your legal representative but gnhf while Others W Us acting within the scope of duties as your legal representative. tirxxever, notice a 4 any `Insured" has rights to recover aA or canceltatlon sent to [fie first Named In- part of any payment vie leave made under cured designated in Item 1_ of the Declara- this policy, those rights are taanstefred to [Ions and mailed to the address shown in us.. The "Insured' must do nathing after this policy will be sufficient notice to effect loss to Impair those rights and must help cano0latlon of this pehcy, us enfarF� tktem_ P. When Logs Is Payable Any recoveries will be applied as follcws: Daweragc under this policy wig rxal apply 1_ any w1wasrs, including the "Ensured," unless and unlil any 'Insured" or an `In- that have paid an amount in excess of surod[V undertying insurer is obligated to our payment under this policy will bei pay the "redair`ed limit." reimbursed flrsl, When ifte amount of loss has finally tiAen 2. we then YAI be reimbursed up to the determined, we will promptly pay w be" amount we have, paid; and half of the 'Insured' the arnourit of lass failing within the terms of this policy, 3. lastly, any interests, irrcluding the "In- sured," over Which our Insurance is You will promptly reimburse us for any excess, ara e0ldled to claim tho rosi- amount within the Self4nswed Retention due advanoed by us at our discretion cn :>Erelf of any "Insured," CU b4] 02 tO 97 (Page 13 of 15) NUCLEAR ENERGY LIABILITY EXCLUSION This policy does not apply to: Canada, this Exclusion 2.c. applies only to "nuclear property damage" to such "nu- 1. Any liability, injury or damage: clear facility" and any property therein. a. with respect to which any "Insured" under 3. As used in this exclusion: the policy is also an "Insured" under a nuclear energy liability policy issued by a. "Hazardous properties" includes radioac- Nuclear Energy Liability Insurance Associ- tive, toxic or explosive properties. ation, Mutual Atomic Energy Liability Un- derwriters, Nuclear Insurance Association b. "Nuclear facility" means: of Canada or any of their successors, or would be an "Insured" under any such I. any "nuclear reactor"; policy but for its termination upon exhaus- tion of its Limits of Insurance; or ii. any equipment or device designed or used for b. resulting from the "hazardous properties" (1) separating the isotopes of urani- of "nuclear material" and with respect to se or plutonium, which (a) a person or organization is re- quired to maintain financial protection pur- (2) processing or utilizing "spent suant to the Atomic Energy Act of 1954, or fuel" or any law amendatory thereof, or (b) any "Insured" is, or had this policy not been (3) handling, issued would be, entitled to indemnity nuclear processing or packaging " r waste"; from the United States of America, or any agency thereof, under any agreement en- ill. any equipment or device used for the tered into by the United States of America, processing, fabricating or alloying of or any agency thereof, with any person or "special nuclear material" if at any organization. time the total amount of such material in the custody of any "Insured" at the 2. Any injury or "nuclear property damage" re- premises where such equipment or de- sulting from the "hazardous properties" of vice is located consists of or contains "nuclear material," if: more than 25 grams of plutonium or uranium 233 or any combination there- a. the "nuclear material" (a) is at any "nu- of, or more than 250 grams of uranium clear facility" owned by, or operated by or 235; on behalf of, any "Insured" or (h) has been discharged or dispersed therefrom; iv. any structure, basin, excavation, prem- ises or place prepared or used for the b. the "nuclear material" is contained in storage or disposal of, "nuclear "spent fuel" or "nuclear waste" at any waste," and includes the site on which time possessed, handled, used, processed, any of the foregoing is located, all op- stored, transported or disposed of by or on erations considered on such site and behalf of any "Insured"; or all premises used for such operations. c. the injury or "nuclear property damage" c. "Nuclear material" means "source mate- arises out of the furnishing by any "In- rial," "special nuclear material" or by- sured" of services, materials, parts or product material. equipment in connection with the plan- ning, construction, maintenance, operation d. "Nuclear property damage" includes all or use of any "nuclear facility," but if such forms of radioactive contamination of facility is located within the United States property. of America, its territories or possessions or CU 60 02 06 97 (Page 14 of 15) e. "Nuclear reactor" means any apparatus g- "Source material,' 'special nuclear rnal�- designed or used to sustain nuclear fission riaf," and 'by-product materiaF" have iihe in a self suppvrtiN chain reaction or to meanings given them in the Atomic En- contain a critical mass or fisslonable ma- ergy Act of 1954 or In any law amendatofy terial, thereof. f. 'Nudaar walla` means any rvuclaar wns.ta h. "SpEW fuel" moans any fuel 010m0nt Or material (a) containing 'byprod'uct male• fuel component, solid or liquid, vehidr has nai' other tnan the tailings of nuclear been used or exposed to radiation in a waste produced by the extravrion or orin- "nuclear reactor." Gentration of uranium or thorium from any are processed primarily for its "source ma- This endorsement does not change arsy other pro- Now tarial' content, and (b) rOsulGng from the vision of Ina policy_ operation by any person or organization of any 'nL[cloar facility' indudlad within the definition of "nuclear facility" under Para- graph 3.b.i, or 3.b.ii, In Witnass Whareaf, we have caused this prAlr_y to be executed and attested, but this policy will not be valid unless caunteraigned by one of out duly authorized rapnteflivaa, wgtere required by law., (,IFI 6 fi:' (L% 97 fpage 15 aF 15) CU 60 30 06 97 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CARE, CUSTODY OR CONTROL EXCLUSION - REAL OR PERSONAL PROPERTY The following exclusion is added to Section IV - EXCLUSIONS: Any "property damage" to real or personal property in the care, custody or control of any 'Insured," or loaned to any 'Insured," or used, rented, or occupied by any 'Insured," or as to which any "Insured" is for any purpose exercising physical control. This endorsement does not change any other provision of the policy. CU 60 30 06 97 COMMERCLAL UMBRELLA , CU 60 39 01 15 THIS ENDORSEMENT CHANf3ES THE POLICY. PLEASE.R€AD IT CAREFULLY, CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement mudlfles Insurance poyvided under the fallowing: COMMERCIAL UMBRELLA COVERAGE FORM If aggregate Insured losses attributable to terrorist acts certffle€i under the federal Terrorism Risk Insurance Act exceed $1110 billion in a calendar year and we have met our insurer deductible under the Terrorism %sk Insurance Art, we shawl not be liable For the payment of any portion of the amount of such losses that exuseEtrs $100 billion, and in such case insured losses up to that amount are subject to. pro rata allocation In arcofdanre with procedures established by the Secretary of the Treasury. Certified act of terrorism" means an act that Is certlfled by the Secretary of the Treasury, In accordance with !hie provigions of the federal Terrorism Risk Insurance Auk to be an act of termnsm pur5uant to such Act. The criteria contained In the Terroflsrn Rfsk Insurance Act for a "cRrtlfled act of terromm" include the fQIloWfng wrrw�wrw�w - 1. The act resulhid in insured basses in 8xcea s of $5 million in the aggregate, attelbutabM to all tyrms of insurance subject Io the Terrorism Risk Insurance Act; and 2, The act is e, violent act ar an act that is dangerous to human life, property or infrastrurAure and is committed by an indlyldual! of Individuals as part of an effort to coerce the cNillan population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. The tsfms and tlmitallons of any terrorism exduswn, or the fnapplicabllfty or omission of a terrorism excAslen, do not 5enee to create covierage for injury or darnage that is ❑ttenr excluded under this polley. This endorsement does ncl change any other provision of She policy. 'm Z51�Lita�mf fAutuel tnsurarxa CU 60 39 01 1s Indudescopyright&j mstensl of Insumr[c Ssrv�s Offlce,Inc.,wiih cis permis3lon. Page 1 of 1 COMMERCIAL UMBRELLA CU 60 40 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNDERLYING COVERAGE REQUIREMENT FOR CERTIFIED ACTS OF TERRORISM With respect to any one or more "certified acts of terrorism," we will be liable only for that portion of damages, subject to the Each Occurrence Limit stated in the Declarations, in excess of the total amounts stated as the applicable limits of the underlying policies listed in the Schedule of Underlying Insurance and the applicable limits of any other insurance providing coverage to the "Insured" during the Policy Period. If you fail to comply with this Underlying Coverage Requirement for "Certified Acts of Terrorism" and you do not maintain your underlying limits as scheduled, we will only be liable to the same extent that we would have been had you fully complied with this Requirement. "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following: 1. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and 2. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. This exclusion does not apply to the extent that insurance is provided by a policy listed in the Schedule of Underlying Insurance, and for no broader coverage than is provided by such policy. This endorsement does not change any other provision of the policy. 2015 Liberty Mutual Insurance CU 60 40 01 15 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 1 of 1 COMMERCIAL UMBRELLA CU 61 06 01 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AUTO LIABILITY - FOLLOWING FORM This endersemenl modlfles insurance ptav led under the following. COMMERCIAL UMBRELLA COVERAGE PART _ 1. The foll[swirig azcluaidn is addad to 9-ac on IV. `EXCLUSIONS; This Insurance dais not apply to! Any lie'bility arising aat of the ownership, maintenance, use or entruslrnent to others of any 'auto' Use mdudas operation and 'loading' ar "unloac in• d_ This axeluslcn applies avail if tha claims against any "Insured" allege negligence or ether wrongdoing in the supervision, hiring, employment, traming or aonildring of cifiers by that "Insunbd'. This exclusion does not apply to the extent that Insurance for such Ilabillty Is provFnied by a policy listed Now r�rwwwr €n the Schedule of tJ'-nderlying Insurance, and for no hraader ccvera4e Than ie i rovided by 5uch policy iiiiiiiiiWT 2. Paragraph B.ursder Sectiem V. DEFINITIONS is replaced by the fcllcxvirlcj: T B. "Auto" means an auto as It. Is deflned In the applicable "underlying insurance". This endorsement does not change any other provision of the policy,. ''9 2012.LiberlyMutuBllreursrK-e CU 61 06 01 13 Inoudescnpyrighmd matenal of In5uranceSemras(ifflua,Ine.,wilh Ns permisalun. page 1 of 1 CU 61 15 07 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. i ENGINEERS, ARCHITECTS OR SURVEYORS PROFESSIONAL LIABILITY EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL UMBRELLA COVERAGE PART The following exclusion is added to Section IV. -EXCLUSIONS: This insurance does not apply to: Any liability arising out of the rendering of or failure to render any professional services by you or any engineer, architect or surveyor who is either employed by you or performing work on your behalf in such capacity. Professional services include: 1. the preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; and 2. supervisory, inspection, architectural or engineering activities. This exclusion applies even if the "claims" against any "Insured" allege negligence or other wrong- doing in the supervision, hiring, employment, training or monitoring of others by that "Insured", if the 'occurrence", "offense" or other act, error or omission involved the rendering of or failure to render any professional services by you or any engineer, architect or surveyor who is either em- ployed by you or performing work on your behalf in such capacity. This endorsement does not change any other provision of the policy. 2014 Liberty Mutual Insurance.All rights reserved. CU 61 15 07 14 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 1 of 1 COMMERCIAL UMBRELLA Cu 61 90 06 10 THIS ENDORSEMENT CHANGES THE POLICY, PLEASEREAU IT CAREFULLY. WASHINGTON CHANGES - CANCELLATION AND NONNENEWAL This endorsement modifies insurance provided under the following COMMERCIAL UMBRELLA COVERAGE PART EXCESS LIABILITY COVERAGE PART �a 1, Condition, D. Cancellation under Section VI_ Condltions is replaced by the fallowing: s O. Cancellation zw1. The first Nartied Insured shown in Ore Declarations may cancel this policy by no fyln us of the insurance producer in one of the f AaMng ways: now a. Written notice by mail, fax or a-mail; 19. Surrender of the policy or binder: or WNW c, Verbal notice. Upon receipt of such malice, we will caricel this policy or any hinder' issued as evidence of coverage, effective on the later of the following: A, The date on which notice Is received or the policy or binder is surrendered; or b, The date of oancellatiuu requested by the First Named Insured, 2, We may cancel this policy by mailing or delivering to €he first Named Insured and the first Named Insured's agent or broker written notice of canoelsfian, including the actual reason for the cancellation, to the last mailing address known to us, at least: a. 10 days before the effective date of canoeltatlon if we cancel for nonpayment of preannlurn; nr bi 45 nays before Iho effective date of cancellation if we camel for any other Beason. a. We Mll also mall or deliver to any mortgage holder, *dgee or other person shown w this palicy to have an interest in any loss winch may oaaatlr under this palicy, at their last mailing address known to us, written notice of cancellation, prior to the effective dale of cancetlation. This notice pall be the same as ghat mailed or delivered to the first Named Insured. 4, Notice of cancellation will state the effective date of cancellation, This paticy pefioA will and on that date, S. If this policy is cancelled', we will send the first Named Inwred any premium refund due. If we cancel. the fund will be pro rats. If the first Named Irtsufed eaineels, the refund VMI be at least gfl% of the prp rats refund. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is waited: proof of rnailing will be sufficient proof of notice. 2. The following Condition is addled to Section Vl, Conditions and cupxrsedes any prQv6sion to the cart trary: Nonrenewfal '�2010 Utieny Mutual Insurance Company.All righis reseraad. CU 61 90 00 10 IneludascrpydOhted nimenal of Insursnc Serice!iOfllr�-,Irc.,wiihi its permisslen, Page 1 of 2 We may elect not to renew this policy by mailing or delivering written notice of nonrenewal, stating the reasons for nonrenewal, to the first Named Insured and the Named Insured's agent or broker, at their last mailing addresses known to us. We will also mail to any mortgage holder, pledge or other person shown in the policy to have an interest in any loss which may occur under this policy, at their last mailing address known to us, written notice of nonrenewal. We will mail or deliver these notices at least 45 days before the: 1. Expiration of the policy; or 2. Anniversary date of this policy if this policy has been written for a term of more than one year. Otherwise, we will renew this policy unless: 1. The first Named Insured fails to pay the renewal premium after we have expressed our willingness to renew, including a statement of the renewal premium, to the first Named Insured and the first Named Insured's insurance agent, at least 20 days before the expiration date; or 2. Other coverage acceptable to the "Insured" has been procured prior to the expiration date of the policy; or 3. The policy clearly states that it is not renewable, and is for a specific line, subclassification, or type of coverage that is not offered on a renewable basis. 1D2g10Lber7?MutU0YAurance Company.All rights reserved. CU 61 90 08 10 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 2 of 2 CCU 63 44 06 97 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FOREIGN LIABILITY - FOLLOV64NG FORM The foltowisng exclusion is added to 83c1i0M lY - EXCLUSIONS: NNW Any 'bodily injury" 'properly damage,' 'p$rs nal injury." or "advertising injury' which occurs outside the United Stales of America, its te0ories and possessions, Puerto Imo, or Canada, except to the extent that such iwwrancr} is provider) by a policy listed in the Schadule of Undertying Insurance, and for no broader coverage than is provided by such poll y, This endorsement does not change any other provision of the policy, NNW CLI 63 44 06 97 COMMERCIAL UMBRELLA CU 64 30 12 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WASHINGTON FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the followings COMMERCIAL UMBRELLA COVERAGE PART The following is added to Section IV -Exclusions: This insurance does not apply to: 1. "Bodily injury", or "property damage", "personal injury" or "advertising injury" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any "fungi" or bacteria on or within a building or structure, including its contents. 2, Any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up, remov- ing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to, or assessing the effects of, "fungi," or bacteria, by any "Insured" or by any other person or entity. This exclusion does not apply to any 'Yung!" or bacteria that are, are on, or are contained in, a good or product intended for bodily consumption, but only to the extent that insurance is provided by a policy listed in the Schedule of Underlying Insurance, and for no broader coverage than is provided by such policy. For the purposes of this endorsement, "fungi" means any type or form of fungus, including mold or mildew and any mycotoxins, spores, scents or by- products produced or released by fungi. This endorsement does not change any other provision of the policy. CU 64 30 12 04 Includes copyrighted material of Insurance Services Office,with its permission. Page 1 of 1 CU 64 32 {Ed. 03 99} THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY. WASHINGTON ASBESTOS EXCLUSION Exduston N, Is deleted from Section M •EXCLUSIONS and Is replaced by the following; Any liability, Including, but not limltnd to settlements, judgments, costs, charges, expenses, costs of Inves- tigations, ar the fees of attorneys, experlu, or consullanls arising out of or related in any way, either directly or Indirectly, to. 1. the inhalation, Ingestion or prolonged physical exposure to asbestos or goads or products containing asbestos; 2, the use of ash€slos In consiructing or rnarMacturing any good, product or structure; 1 t4a rerimal of rasbeslccs from any goad, product or str w.:ture, or 4. the manufacture, Salo, IranSpodatirin, strsrsgc or dispr l of a56estps or goods Qr pfadracts containing asstos, This endorsement does not change any other provlslon of the polfoy. CU 64 32 03 g5 Page t of 1 COMMERCIAL UMBRELLA CU 64 79 05 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RECORDING AND DISTRIBUTION OF MATERIAL OR INFORMATION IN VIOLATION OF THE LAW EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL UMBRELLA COVERAGE PART The following exclusion is added to Section IV - Exclusions: This insurance does not apply to: Any liability arising directly or indirectly out of any action or omission that violates or is alleged to violate: 1. The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; 2. The CAN-SPAM Act of 2003, including any amendment of or addition to such law; 3. The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transaction Act (FACTA); or 4. Any federal, state or local statute, ordinance or regulation, other than TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. This endorsement does not change any other provision of the policy. CU 64 79 05 09 Includes copyrighted material of Insurance Services Office,with its permission. Page 1 of 1 CU64920714 THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT GAREFULLY. AMENDMENT - ELECTRONIC DATA This endorsement mudines insurance proylded uricer the following. COMMERCIAL UMBRELLA CO'WERAGE PART ,�. A. The follaving exclusion is added to $action FV. EXCLUSIONS: asx This Insurance does not apply to: Damages arsing out of the loss of, loss of use of, damage lo, corruption of, irability to access, or inability ib manipulate "aladr(mir; data" This exclusion does clot apply to liability for damages hecallse Of "bodily injury', bul only to the exlem that insurance is provided for suoh damages by a policy fisted in the Schedule of Underlying Insufanc€r,. arrd for no broader cmrarago than is pro- ftfta vided by surf policy, U- Sectr4n V. DEFINITIONS is arnended es follows: 1. De4inition M. is feplacad by the following: M. 'Property darnage" mans: 1. physical injury to taNtble ,property, incfuding all resul5mg loss of use of that property, All such, foss of use shag be de8nsad to occur at 01a time of the physical injury that caused iL or 2. floss ref use pf tangible property 11-tat �s npt physically injured. All such loss of use shall he deerrred to occur at the hrne of the 'occurrence" that caused IL Rw the purposes of this insurance, 'electronic data' is not tangible property, 2, Far the purpoees of this endorsernent, the Ulvwing definition is edged: '€I'ectro nic data' moans, inforYnalion, facts or progvams vorad as or on, created Or used on. Or transmitted to or from cornputef software, irlclu&g systems and applications software, hard or flcropy disks, CD-ROMs, !apes, driv8s, calls, data processing d4ivic.As or any dlhar fnedia which are used with ek-ctronically comrolled equipmenl. This euder5ern,ent does Rut change any rather prrnri5ion of the poi cy, 0 2014Liberty rduluai Instrranre Ae mghts mEer� . QU 64 82 07 14 Induiegq]pyrighted matedsl of Irlwrarle-e Servit,,as Qri rx,Ierc„with d1°,permii�iun. Page 4 of 1 CU 64 87 10 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ECONOMIC OR TRADE SANCTIONS CONDITION ENDORSEMENT The following is added to Section VI -CONDITIONS: Economic or Trade Sanctions If coverage for a claim or suit under this policy is in violation of any United States of America economic or trade sanctions, including but not limited to, sanctions administered and enforced by the United States Treasury Department's Office of Foreign Assets Control ("OFAC"), then coverage for that claim or suit will be null and void. This endorsement does not change any other provision of the policy. i' CU 64 87 10 05 CU 64 92 01 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOBILE EQUIPMENT - FOLLOWING FORM This endorsement rrratlifies insurance ps'CuMod under the following: Cc?fv MERCIAT UMBRELLA CC}}JEfiAOE PART 1, The fvllrnving exclm>ign is added to Sr; tan Ill, •EXCLUSIONS! This rvsuranre4 does not apply to: Any flabillty for or arising out of the owntrshlp, maintenance_ 4ee nr entrustaneint to others of any "moLAe equipment".. Use includes operation and '1Qvdmq' or 'unloading', This e3gdwsiotn appl€es avrsn if the claims against any "tnsured' allege rregllgence or other wrongdcing in the supefrvlsloa, hiring, employment. training or rronil©ring pf other'$ tyy the 'Insured'. This ezCltssion tl6e5 not apply t0 the extent that instrrant9 for such li3bilily is prro-viKJed by e polity listed rrwr in the Schedule of Underlying Irtsurance. and her no broader co,eerage than is pravid&d by such policy 2. Paragraph I, under Section V. 13EFINITIONS is replsced by the follrnvireg: 1. "Mobil& equipment" Moans mob+le equipment E�s it i5 defined in tho applicable 'undart}anrg insur- ance This endorsemenl does not change any other provision of the politoy. G 3'J12 Litx-,A/0,lutusl 1r uranre CU 64 92 01 13 Indudescopyrighted ms[enal of insrjrenoeSerrces Ofic�,Inc.,wh ors perrnlealon. Page 1 of 1 CU 64 95 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against any person or organization for whom you perform work under a written contract that requires you to obtain this agreement from us to the extent that such insurance is provided by a policy listed in the Schedule of Underlying Insurance, and for no broader coverage than is provided by such policy. This endorsement does not change any other provisions of the policy. CU 64 95 12 07 COMMERCIAL UMBRELLA CU 65 08 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This erndomemerrt modifies insurance provided under the following: COMMERCIAL UMBRELLA COVERAGE FORM A. The fallowing exclusion Is added. This insurance doss not apply toy TERRORISM PUNITIVE DAMAGE'S +* Damages arising, directly or indirectly, out of a 'certiSsd act of terrorism' that are awarded as punitive damages, +rrwrw B, The following dehnktim is added- 6 "Cerfifed act r4 tenorisrn* riaoa(rs an ad that is certified by the Secretary of the Treasury, M accordance with the Provisions of the federal Terrorism Risk Insurance Act, to be an act of terronsrn pursuant to such Act. Tha criteria oor tained in the Terrorism Risk Insurance AU ror a 'certified act of terrofisrW include the following', 1. The pet resulted in insured losses in express of 55 emilliinn in the aggregele, attributable to all types of Irvsuranee sutyect to the Terrorism Risk Insurance Act; and 2, The act is a Violent act or an act that is dangerous to human life, property or infrastructure and Is Committed by an mcliMidual of individuals as part of atr effort to coerce the civilian population of the United States or to influence the prrAicy or affect the conduit of the United States Government by ouerdim- C. Toe terms and I'Emllations of any terrorlsm exclusion, or qie inapplicability of omission of a terrorism exclusion, do rnpl serve to create rovnFage for injupir or damage &het is vdherwisR excluded under this picky. This endorsement does not char.e any other provision rrf the policy. t§ 2015Liberty Mutial trr&uranca CU 65 08 01 15 Indude3copyriyltted maternal of nwrane Setll'teg orr'M I€iC wild d%perrciissian. Page 1 of 1 COMMERCIAL UMBRELLA CU 88 01 12 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAR LIABILITY EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL UMBRELLA COVERAGE PART Exclusion M. under Section IV - Exclusions is replaced by the following: This insurance does not apply to: M. "Bodily injury", "property damage", "personal injury" or "advertising injury", however caused, arising, directly or indirectly, out of: 1. War, including undeclared or civil war; or 2. Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or 3. Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. This endorsement does not change any other provision of the policy. CU 88 01 12 02 Includes copyrighted material of Insurance Services Office,with its permission, Page 1 of 1 CU 88 D4 07 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE PEAU IT CAREFULLY. PROFESSIONAL SERVICES EXCLUSION This andomement ratlines insurance provided under the following: COMMERCIAL UMBRELLA COVERAGE PART mwra�mi The following exclusion is added to Section IV. - EXCLUSMS, This insurance doss not apply to: "Bodily injury^', "properly dainage`, `personal injury' , `advertisin inyurr or "personal and advertising injury' caused by the rendering, of or failure to render any professional, service. This Includes but is not Mmited to: 1, Legal, accounting or advertising services; 2. Preparing, approving, or faiiing to prepare 4r approve maps, drawings, opinions, reports, surveys, change orders, designs or specifications; 1, Supervisory, inspection or engineering services; NW 4_ Medical, sur€gioal, dental, x-ray or nursing services treatment advir<e or instruction; 8. Any haallh or therapeutic Service trealakent, advlcar or instructlaC ta. Any service, treatment, advice or instruction for the purpose of appearance or skin anhance- rnent, hair removal or replacement or personal grooming, T Optometry or optical or Bearing aid services including the prescribing, preparation, fitting, dertatiwistration or distribution of ophthalm..lc lenses and slmiLer prodatcts or heamiq aid devices-, 0. Harty plercing services; and 9. Services in the practice off pharmacy. This exclusion applies even if the 'claims' against any 'Insured" Allege negligence or other wrongdoing in Uss supmIslon, frlring, empkryment, training or nionitofing of olhhers by that "Insured", iF the 'occurrence", 'offense' or other act, error or ornission in"oohred the rendef ig of or fall'ure to render any professional service. Shia endorsement does rfol change any other provision of the policy, 0 2014Llberte Mutual in--ritan�.Ai rtght5 reserved. CU 88 04 07 14 Includes copyrighted material of Insuranue Ser ces Office,Inc,with its permission, Page 1 of 1 COMMERCIAL UMBRELLA CU 88 27 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WASHINGTON EMPLOYMENT-RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL UMBRELLA COVERAGE PART Exclusion O. under Section IV - Exclusions is replaced by the following: This insurance does not apply to: O. "Bodily injury", "personal injury" or "advertising injury' to: 1. A person arising out of any: a. Refusal to employ that person; b. Termination of that person's employment; or c. Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person; or 2. The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" to that person at whom any of the employment-related practices described in Paragraphs 1.a., 1.b., or 1.c, above is directed. This exclusion applies: 1. Whether the injury-causing event described in Paragraphs 1.a., 1.b. or 1.c. above occurs before employment, during employment or after employment of that person; 2. Whether the insured may be liable as an employer or in any other capacity; and 3. To any obligation to share damages with or repay someone else who must pay damages because of the injury. However, Paragraphs 1.a. and 2. of this exclusion do not apply if such "bodily injury", "personal injury" or "advertising injury" is sustained by any employee of the insured whose employment is subject to the Industrial Insurance Act of Washington (Washington Revised Code Title 51). This endorsement does not change any other provision of the policy. CU 88 27 12 07 Includes copyrighted material of Insurance Services Office,with its permission Page 1 of 1 COMMERCIAL UMBRELLA cu as 31 05 04 THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY, PERSONAL AND ADVERTISING INJURY - FOLLOWING FORM This endorsement modifies inSurartDe provided under the fbIlowing: COMMERCIAL QMBRELLA GQVERAGEI'ART A- SECTION I. COVERAGE under the INSURING AGREEMENTS iy replaced by the follnwing: I. COVERAGE A. We will pay on behalf of the "Insured' those surns in excess of the "Retained Limit' that the Insured" hacornes lagally obligated bo pay by reason of liability imposed by law oir assumed by the "Insured" under an "insured contract" beraause of "bodily injury" "property damage' of 'personal and adverlas'ing injuy to whi& (his insuranno appli®s_ The amount we will pay for damarge3 is limited as described in the INSURING AGREEMENT, SECTION 11, LIMITS OF INSURANCE, No olhor obligation er liability to pay sums or perform acts ar services is covered unless explicitly provided for under SECTION IN. DEFENSE. _ B. This insurance applies to: 1. 'Soddy injury' or 'property damage` onPy if: a. The 'trodity injury' or "properly damage" occurs during the Policy Period, and b. The "bodily injury" or 'property damage' L5 caused by an "q=rrence' happening anywhere; and c. Prior to the Policy Period, no `insured" listed under paragraphs IA., 2., 3, or 4. of definition F. under SECTION V. DEFINITIONS, and no emplryea authorizrid by you Kr give or receive notice of an "occurrence" of "claim", knew that the "bodily injury" or "property damage" had ocurred, in whole or in part. If such a listed 'insured" or authorized employee knew, prior to the Policy Period, that the 'bodily injury" or 'property damago' recurred. than any con(inuation, change or rasumptiont of such "bodily injury" w "property damage" during or after the Policy Period wig be deemed to have been known .prior to the PoWy Pedmad- 2. 'Personal and advertising injury' caused by an "offense' arising out of your business but only if the 'offertoe" was committed during the Policy PanrA. C. "Bodily Injury` or 'property darnage" which oecurs during the Policy Peflod and was not, prior to the Policy Period, known to have occurred by any 'Insured' listed under paragraphs 1.a_, 2,r 3. or 4, of deflriitlon F. under SECTION V. DEFINITIONS, or any employee authorized by you to give or receive notice of an "or,'wrrenpe' or `ptairn", includes any Caritinustion, ckisnge or resumption cf that 'budlty injury' tar "properly damage" after the rand of the Pallcy Period. D. "Bodily injur} ' or "propely damage" vAl be deemed to have been known to have occurred at the earliest time wh8n any "insured" Iftited under paragraphs 1.a., 2., 3, or 4. of def3nif arl F. under SECTION V. DEFINITIONS, or any employee authorized by you to Alive or receive notice of an'occumance' er 'ctairn" 1. Reports all, or any part, of the "bodily injury' nr "property damage" to us or any other insurer; 2. ReceNes a written ad verbal dernand or "claim" for damages because of "bodily injury' or 'property damage", or 3. Becomes awate by ainy other means that "bodily iaijury' or "property Bantaga' has rc- cufred or has begun to ocxar. E. Qama"s because of -bodily injury' include damages claimo[i by any porson at ar•ganizab on for care, logs or services or death resulting at any time from the "bodily injury'. C�2010 Liberty Manuel Inzuranea Company.All rigNs reseraed. CU 88 31 05 09 Includascnpyrighted rnatensl of Insumnc-Ser tcaa Crilo-M.lnc.,wdilh ds Pern1ls31rjn. Pago 1 of 4 1 '. SECTION 11. LIMITS OF INSURANCE is amended as follows: 1. Paragraph B. is replaced by the following: B. The General Aggregate Limit is the most we will pay for all damages covered under SECTION I. i COVERAGE of the INSURING AGREEMENTS, except: 1. Damages included in the "products-complete operations hazard"; and 2. Coverages included in the policies listed in the Schedule of Underlying Insurance to which no underlying aggregate limit applies. The amount stated on the Declarations as the General Aggregate Limit is the most we will pay for all damages arising out of any 'bodily injury', "property damage" or "personal and ad- vertising injury" subject to an aggregate limit in the "underlying insurance". The General Aggregate applies separately and in the same manner as the aggregate limits in the "underlying insurance". 2. Paragraph D. is replaced by the following: D. Subject to B. or C. in SECTION II. LIMITS OF INSURANCE, whichever applies, the Each Occur- rence Limit is the most we will pay for 'bodily injury', "property damage' or "personal and advertising injury' covered under SECTION I. COVERAGE of the INSURING AGREEMENTS because of all: 1. 'Bodily injury' or "property damage' arising out of one 'occurrence; and 2. "Personal and advertising injury" arising out of one 'offense'. 3. Provision 2. of paragraph G. is replaced by the following: 2. the amount stated in the Declarations as the Self- Insured Retention as a result of any one "occurrence' or one 'offense" not covered by the underlying policies listed in the Schedule of Underlying Insurance nor by any other insurance providing coverage to the "Insured" during the Policy Period; C. SECTION Ill. DEFENSE is amended as follows: 1. Paragraph A. is replaced by the following: A. We will have the right and duty to investigate any 'claim" and defend any "Suit' seeking damages covered by the terms and conditions of the policy when: 1. The applicable Limits of Insurance of the underlying policies listed in the Schedule of Underlying Insurance and the Limits of Insurance of any other insurance providing cov- erage to the "Insured" have been exhausted by actual payment of 'claims" for any 'occur- rence' or 'offense" to which this policy applies; or 2. Damages are sought for any one 'occurrence" or 'offense' which is covered by this policy but not covered by any underlying policies listed in the Schedule of Underlying Insurance or any other insurance providing coverage to the "Insured". 2. Paragraph BA. is replaced by the following: 1. We will investigate any "claim" and defend any "suit' against the "Insured" seeking damages on account of any 'occurrence' or 'offense' covered by this policy. We have the right to investigate, defend and settle the "claim" or "suit' as we deem expedient. 3. Paragraph D. is replaced by the following: D. In all other instances except paragraph A. in SECTION III. DEFENSE, we will not be obligated to assume charge of the investigation, settlement or defense of any 'claim" or "suit' against the "Insured." We will, however, have the right and will be given the opportunity to participate in the settlement, defense and trial of any 'claim" or "suit' relative to any 'occurrence' or "offense" which, in our opinion, may create liability on our part under the terms of this policy. If we exercise such right, we will do so at our own expense. ID2010 Liberty Mutual Insurance Company.All rights reserved. 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Aq Nu5pxvp sped 91ne, Lie wojj Apoajlp paseapaj jo pasjads!p I paBjegos p *is is elejs!w Ideas 'adwisa slugjnjjod„ aql (a) ;ll 'Wed sp jo ,pQuwnsui BulAljapun palnpa40s. Aq paj*Aoo ,,aloe„ ue go Buluolloung l"Ueq QLu jo a!IMPA4 'W!uoaFa ]euwou ag1 wojg linsaj j9 jQj pepaeu eje 1e41 spiepl!k jel!w!s je4lQ x sase6 pne4xe 'sp!ny 'slue7pgn! 'slen j (L) -mpejluoagns jo jopwjuo0 a Aq llegaq jnaA un jo ncA. Aq PeLwbped bulaq suoplejado 411m uopaauuoo ul BulplIng legl olul Tgbnoiq sleljalew wojj sjodon jo saujr4 'sasob esealaj aql Aq pasneo pue Bulppnq a u!4l!m pawe}sns e6ewsp A;jadojdl. jo junlu! AI!poe, (9) COMMERCIAL UMBRELLA CU 89 19 01 13 i THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF WATERCRAFT EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL UMBRELLA COVERAGE PART Provision 2. of paragraph Q. under Section IV. EXCLUSIONS is replaced by the following: This insurance does not apply to: Q. The following items 1. through 4., except to the extent that such insurance is provided by a policy listed in the Schedule of Underlying Insurance, and for no broader coverage than is provided by such policy: 2. 'Bodily injury" or "property damage" arising out of the ownership, maintenance, use or en- trustment to others of any watercraft if such watercraft is owned by, or chartered without a crew by or on behalf of, any "Insured". Use includes operation and 'loading" or "unloading". This exclusion applies even if the claims against any "Insured" allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by the "Insured". This exclusion does not apply to a watercraft while ashore on premises you own or rent. This endorsement does not change any other provision of the policy. TO 2012 Liberty Mutual Insurance CU 89 19 01 13 Includes copyrighted material of Insurance Services Office, Inc.,with its permission.. Page 11 of 1 COMMERCIAL UMBRELLA CU 89 21 07 15 THIS ENDORSEMENT CHANGES THE POLICY, PLEASERIEAD IT CAREFULLY, AMENDMENT OF AIRCRAFT EXCLUSION This endarsernenl modules insurance provtided unner the following: GOIANIERCIAL UMBRELLA COVERAGE PART _ provision 3. of paragraph Q. under Section IV. EXCLUSIONS it rgplwed by U'ka following! This Irisurance does not appty to: Q. The falliming items 1. through 4,., except to the extent that such insurance is provided by a put" lislad in the Schedule of Undsrtying. Insurance, and for no broader novarage than as provided by swh policy: 1 "Bodily injury" or "property damage" arising out of the ..downership, maintenance, tree or en- trustment to others of arty airuaft, it such almmft is OwmW of opwaWd by ar rented ar loam§lf t to any "Ensured'. Use includes operation and "loading' or 'unloading". This exclusion aptplies Ewan if the claims against arty "insured" allege negligence flr oilier wmngdaing in 1flE GuPeM- 212011 sign, hiring, ernploymerrt, training or nnrxnilorinrg of others by the lnumd', This endorsement does not change any ether provision of the policy, S 2015 Liberty Mutual ImurarwA CU 9921 OT 15 Indudescopyrlghted maternal of lns rsnce9emoesOfflce,Irc.,mth 03permlr�31nn. Page 1 of 1 COMMERCIAL UMBRELLA CU 89 45 10 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA-RELATED LIABILITY - WITH LIMITED BODILY INJURY EXCEPTION EXCLUSION A. The following exclusion is added to Section IV -EXCLUSIONS: This insurance does not apply to: Any liability, damages, loss, injury, demand, "claim" or "suit" arising out of: 1. Any access to or disclosure of any person's or organization's confidential or personal information, including but not limited to patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or 2. The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "electronic data". This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses, fines, penalties (including but not limited to, fees or surcharges from affected financial institutions) or any other loss, cost or expense incurred by you or others arising out of that which is described in Paragraph 1 or 2 above. However, unless Paragraph 1 above applies, this exclusion does not apply to damages because of "bodily injury". B. The following definition is added to Section V -DEFINITIONS: "Electronic data" means information, facts or programs stored as or on, created or used on, or transmit- ted to or from computer software, including but not limited to systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. This endorsement does not change any other provisions of the policy. rD 2014 Liberty Mutual Insurance. CU 89 45 10 14 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 1 of 1