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PW15-018 - Amendment - #4 - Natural Systems Design, Inc. - Clark Springs Habitat Conservation Measures - 12/20/2019
Agreement Routing Form KEN T For Approvals, Signatures and Records Management WnS HIN GTON This form combines&replaces the Request for Mayor's Signature and Contract Cover Sheet forms. (Print on pink or cherry colored paper) Originator: Nancy for Melissa Dahl Department: Public Works Date Sent: 12/23/19 Date Required: 12/27/19 m > Authorized Director or Designee Date of 0 N/A C, to Sign: Council Qa Mayor Approval: Budget W20005 Grant? Yes No Account Number: Type: N/A Vendor or Name: Natural Systems Design, Inc. Cate 9 y Contract Vendor 69570 �' c Sub-Category Amendment 0 Number. EProject Clark Springs Habitat Conservation Measures Name: 0 � Project �,. Details: Extend the time of completion. c E Agreement 0 Basis for 0 Amount: Selection of Contractor: Of Q Start Date: 12/20/19 Termination Date: 12 31 20 Notice required prior to Yes No Contract Number: P�/��_ d�tax disclosure? Date Received by City Attorney: Comments: c 0 0 N a L i+ M Date Routed to the Mayor's Office: in a0i Date Routed to the City Clerk's Office: 'a d Date Sent to Originator: Visit Documents.KentWA.gov to obtain copies of all agreements adccW22373 6 19 KEN T W A 5 H I N G T O N AMENDMENT NO. 4 NAME OF CONSULTANT OR VENDOR: Natural Systems Design, Inc. CONTRACT NAME & PROJECT NUMBER: Clark Springs Habitat Conservation Measures ORIGINAL AGREEMENT DATE: January 26, 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: No change to the scope of work, however an amendment is needed to extend the time of completion to December 31, 2020 to provide construction support which is scheduled to take place in the summer of 2020. 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, $73,890 including applicable WSST Net Change by Previous Amendments $49,434 including applicable WSST Current Contract Amount $123,324 including all previous amendments Current Amendment Sum $0 Applicable WSST Tax on this $0 Amendment Revised Contract Sum $123,324 AMENDMENT - 1 OF 2 Original Time for Completion 11/15/16 (insert date) Revised Time for Completion under 12/31/19 prior Amendments (insert date) Add'I Days Required (±) for this 366 calendar days Amendment Revised Time for Completion 12/31/20 (insert date) The Consultant or Vendor accepts all requirements of this Amendment by signing below, by its signature waives any protest or claim it may have regarding this Amendment, and acknowledges and accepts that this Amendment constitutes full payment and final settlement of all claims of any kind or nature arising from or connected with any work either covered or affected by this Amendment, including, without limitation, claims related to contract time, contract acceleration, onsite or home office overhead, or lost profits. This Amendment, unless otherwise provided, does not relieve the Consultant or Vendor from strict compliance with the guarantee and warranty provisions of the original Agreement. All acts consistent with the authority of the Agreement, previous Amendments (if any), and this Amendment, prior to the effective date of this Amendment, are hereby ratified and affirmed, and the terms of the Agreement, previous Amendments (if any), and this Amendment shall be deemed to have applied. The parties whose names appear below swear under penalty of perjury that they are authorized to enter into this Amendment, which is binding on the parties of this contract. IN WITNESS, the parties below have executed this Amendment, which will become effective on the last date written below. CONSULTANT/VENDOR: CITY OF KENT: 3 By By: f /r (signature) ( gnature) Print Name:_ QltPJ 'V1' 5 0� 'P/,J Print Name: Timothy J. LaPorte. P.E. Its ®_..�t _tR i+ + Its Public Works Director (titl ) title) DATE:------ 'Z DATE: ATTEST: APPROVED AS TO FORM: (applicable if Mayor's signature required) vVV\ Kent City Clerk ` Kent Law Department Natural Syste—Design-Clark Springs Amd 4/Dahl AMENDMENT - 2 OF 2 CERTIFICATE OF LIABILITY INSURANCE DATE 5/03/(M /2019 ) 0019 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS —ERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND,EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES =LOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S),AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or 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 NAME: NRG Insurance NRG Insurance PHONE A/C No Ext: (206)363-1110 FAX No: (206)363-2044 P.O.Box 34628#15043 E-MAIL ADDRESS: (A/C,insurance@nrg-insurance.com INSURERS)AFFORDING COVERAGE NAIC# Seattle WA 98124-1628 INSURER A: Ohio Security Insurance Company 24082 INSURED INSURER B: Ohio Casulaty Insurance CO. 24074 Natural Systems Design Inc INSURER C: CNA 1900 N Northlake Way Ste 211 INSURER D: INSURER E: Seattle WA 98103 INSURER F: COVERAGES CERTIFICATE NUMBER: CL195302900 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. AT OLICY EFF POLICY EXP LTR TYPE OF INSURANCE IN SO WVD POLICY NUMBER MMIDD/YYYY MM/DD/YYYY LIMITS X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,060,000 CLAIMS-MADE OCCURDAMAGE2,000,000 PREMISES Ea occurrence $ MED EXP(Any one person) $ 15,000 A Y BZS55573742 05/17/2019 05/17/2020 21000,000 PERSONAL&ADV INJURY $ GEN'LAGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 4,060,000 POLICY ❑ PRO- ❑ _ JECT LOC 4,000,000 PRODUCTS-COMP/OPAGG $ OTHER Additional Liability $ 2,060,000 t AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ 2,000,000 ANY AUTO Ea accident BODILY INJURY(Per person) $ A OWNED SCHEDULED Y BZS55573742 05/17/2019 05/17/2020 BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED AUTOS ONLY AUTOS ONLY PROPERTY DAMAGE $ Per accident X UMBRELLA LIAR OCCUR 2,000,000 EACH OCCURRENCE E B EXCESS LIAB CLAIMS-MADE US055573742 05/17/2019 05/17/2020 �/ AGGREGATE $ 2,000,000 DED X RETENTION $ 10,000 WORKERS COMPENSATION $ PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANY PROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $ 2,000,000 OFFICER/MEMBER EXCLUDED? a N/A BZS55573742 Stop Gap 05/17/2019 05/17/2020 (Mandatory in NH) 2,000,000 If yes,describe under E.L.DISEASE-EA EMPLOYEE $ DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ 2,.000,000 Professional Liability EEH591875018 05/17/2019 05/17/2020 Per Claim $3,000,000 C Annual Aggregate $3,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS I VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) City of Kent listed 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 THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN City of Kent ACCORDANCE WITH THE POLICY PROVISIONS. 220 Fourth Avenue South AUTHORIZED REPRESENTATIVE Kent WA 98032 ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD r `?OLICY NUMBER: BZS55573742 COMMERCIAL GENERAL LIABILITY CG 20 10 10 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 11 — 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 cou- additional Insureds, the following exclusion is ered operations has been completed; or added: (2) That portion of "your work" out of which 2. Exclusions the injury or damage arises has been This insurance does not apply to "bodily injury" Put to its intended use by any person or or"property damage"occurring after: nt actor organization or subcontractor or engaged in r than r performing operations for a principal as a part of the same project. to 0 10 10 01 © ISO Properties, Inc., 2000 Page 1 of 1 0 w SUSINESSOWNERS BID 04 20 01 10 THIS ENDORSIDAEKT CHAN13ES THE POLICY, PLEASE READ IT GAREFULLY. WASHINGTON HIRED AUTO AND NON�WNED AUTO LIABILITY This endOftElftnellt MbdineS irlsurarvc* provided under the fo4o%irFg- COVEF�AGFt poRto SCHEDULE Additional PTernkmn Hirod Auto Liability 14on-oWft4d AL10 6 ab A ity tnfOmlafiOn requii�d to COMPIetLl_ft's SchgduI8, d not sft6wn above, will be shoym in the Dedaravaqs_ A- Irk5uranCe ir- pcevided cr-Oy for those cover- 13- Fix irtiurance provided by this endbrsemenk ages for which agpeciflc prert-ium charge is only: shown in the Deciaratioris w in ffie Edhedule. 1. Paragraph 8.1, Exclusions Applicable To 1, Hired Auto liabitity Husinies-s Liability Coverage in Section If- Paragraph A.I. 8"Iness Usbillty in Sec- L143ilitty, other than Exclusions &. b., d,, tion It-Liability appbm to 'bodify injury" t aM I. and the Nuch,Wgr EneTgy Uabffity or 'property damage' arising out of the Exclusion, are deleted and replaced by maintananeef Or Utye Of a -hired auto- by P* rojlowlng.- you or your Oemployees" in the course of & The fbilawing exdusion applies ONV your biusinass. WO reVacl to todily in to: 2. Non-owned Auto Uafbpity (1) "ErnployeW of the insured Paragraph Arl. Ekminess !:_lability in sec- why errip"rit is not 50- tion 11 -Liability appk-s to 'bodily knjury," ject to the IndustriA Insurance Cr 'Prvperty dEunage' arising out of the Act of Waslhirfgton (Wa5l1ington use & any 'rm-awned auto* in your Revised Code '114e 51): business by any person. <JCMY iniury, to: Axi *enVioYeeo of the in- sLwed arising out of and Fin the curse of: EM*Wtnt by the In- suv9d; or (if) Performing ckilfes relat- ed 10 the QoWuct of the Insumd's bL*inass, of ap 04 20 01 10 4D 111surarwA Services Cqficti, Inca, 20og paw 1 of 3 d. The owner of lessee (of whom 0, The Vbowmg addiflonat deflnitims apply, YQV sf-- a svble���) of a "harms 1, "Auto bu-wa<ss' means the business or auto" or the owner of a 'non- Occapa iw of seining, repai iN, SOr C- owned sofa' or arty{ acgeflI w ing, staring or par#dN "autos". employW of any suct, o(wrww or le--see; o. 2, 'Hirad aulm means al(y' ��E3 LLFn you ��2C lease, hire, rent car borrow,. This does not e. Any persor7 or organization ter "se, any `auto^ Y yogi lease, hire, rent the candy of any current or or bfxrow from arty of yt*4r 'employees",thapast parfnerstrip or joint �renfur+�ur� i� t}ia yt�uT partr�rs or your "ox�tiYe o�f#i- sur is not shown as a Narrra In- cers" cw members of their househs, � tra6or�5_ dd For the 3> "Nrin-Dwned aorta' means arse "auk F ' Fwrpozses of this endo rsernent only, flafacjraph W Other in 5ectian IN _ you do rrat own, Wase, hire, rant or hor- r�wr which is used an connecfivn with f�ammon Podtc}r Cartdlt rns re ilaced by the fojlowing: your busmess This Includes "autos" owned by yc,uT 'errPlLJyF--_s", YOUr parf- This insurance is excess qwe# artiy prrrarl n&rs oa youtr 'exR-�tive r2ft-orsa; or s�iurance ccry rmg #I 'hired atrtt)" gr " ]n rnemker� of tf*w-k tmsebQI , but Q41 owned aura`, ` while used In your business or youf per- 6 affairs. UP 04 20 01 10 10 Insurarca S-ar6cas 04fic8, Inc_, 2009 Page 3 of 3 Lit)e.rty. Mutual. iy v +xse Policyl lder Information lined Issamd &Madn Address Agmt kbiling Addmm A I`mmm Ye. NA7"LAAL SYSTI!819 DESIGN INC (206) 3fi3-1 110 1901.) N 14t rth lake Wav Ste 21 I 1+iRG 1NS{M.A N[E Sc;attie_ WA 98[03 PC) 13OX 34628 #150.0 SEATT1.F, WA 99124-162R Dear Aelkyholder. We l;W% yt,i; uvjrk lwyd ro build y«,kr htjSijW'5. ti;'e wotk t0Sether w tll your agent, NRG INSURANCE (206) M3-1110 air heel, Pemba [he things yov me af5oat, Timilk you fo+f selecting us- Enckmcdare your insurance &cumcnts cLRuisting. r,1 wa�R C'ommcrcial UmbTrlla To rind your limits Of inskiOnce and premium plmw rsfer Icr v;)ur Dec[�1rltic►Tts pagc(s). Pleasfer to your policy for spc+citic covera e- re ges. ff you have any questions or changes. that ma), atFoct your insuranu needs, p[easc COMM your Agym al (.46► 363-1 111) Verify that all 111A)fmation is c'Ormet If you have any ch,3VI rs,, please contuc;t your ,Agent at G?06) 363-t I I!3 �Eti1�9�Q1'S In case of claim, call your agent or You Need To Know * CONTINUED [1N NEXT PAGE f0 r*pdrr A Cblf , Oa/1 yourAg*t w f-8OG-m2.WM 0570 20 01 (m 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 ftmu nce 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. CIS'"? (1 ) 55 ?7 4l FYOm 0S- 17;20_6 Tx::� �S,/1?? !)I' 1920 tl ?4 hIak2 W.-ay r2'_IN} }6,�-1i1!J ter--.- SEA—TLE, WA _ a 1211-162 '. r TERRORISM INSURANCE PREMIUM DISCLOSURE ANO OPPORTUNITY TO REJECT WAWft This Wice eOntains Important information about the Terrorism Risk Insurance Act and its effect ors }'our .� PofiCy. Pleas*curl it camfully. THE TERROFO-4 RISK INSURANCE ACT The Termrisrn Risk InsuranQe Act, including all anwndrnents (7RIA" Qr the "Act" establishes a program to spread the risk of catastrophic losses from certain acts of terrorism between Insurers and the federal 901rernment, If an individual insurer's kisses from certified act$ of tenTxism exceed a specified dedurctibje ar>'Zrournt, the government will reimburse the insurer for a percentage of losses (the "Federal Shama) paid in exQess of the dec#uctible, but only if n9regate indualry lasses from such acts exceed the 'Program Trig- ger", AA Insurer that has met Its Insurer deductIble is not liable kw any poirbion of Icxesss in excess of $100 ^illion per year. Similarly, the federal government is not liable for any Ioases Gwered by the AA�:t that exceed m aount If aggregate ins!Lged Imes exceed $100 billion, Imes up to that amount may be pro-rated, as determined by the Secretary «f the Treasury. The Federal Share and Program Trigger by calendar y-3at arA: Calendar Year F'ederaf Share Program Trigger 2015 _ .. . _ . _ �5 or m $100,0(lo,coo 2017 83% 2t 1 a2% $1$t:1.i t1[ Q4g 2013 .............. 81% $18c,000,0W 2020 80% $2GO.000,000 OFFERF F - I F PRE- M1UM TRIA requires Insurers to male coverage av-allaWe V any loss that occurs othln the United Stag (or Outside of the V.S. in the case of U.5, €mission$ and certain air carriers and vessels, results frorn a `cerlifed act of terrorism' AND that is otherwise covered under your policy; A 'certified act of terrorism" meads-. (A]ny act that is certrF d r?y the $ecretary [of the Treasury 1, in €sonsultatiQn with the Secretary of 'fon wland Secuflry, and the Attorney General of the UnItt;d States. (i) tc0 be an act orf ternxisrn; NP 73 12 01 15 10 2015LibewlyMutual trtsurance Page 1 of (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, o�� 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 refection is received within (30) days of the effective date of your policy. 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 NATURAL 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 IV 2015 Liberty Mutual Insurance Page 2 of 2 NP 75 65 05 09 IMPORTANT NOTICE TO POLICYHOLDER RECORDING AND DISTRIBUTION OF MATERIAL CAR INFORMATION IN V10LATION OF LAW EXCLUSION This Notice axpleins changes in your Commercial Umbrella of Excess Liability Coverage. It contains a brief summary of significant regions and mcsf be reviewed in conjunction with your preys and renewal policies to reference the end mi orseents desc-tibed tiorein- This Notice does not form a part of your insurance contract, No coverage Is provided by this I'+Ace, rvir can it (3e construed to replace any provisions of your paiey (iricludang its endorsemer9ts)- tf thane i5 any txurpflict boNv&en this Notice and the prAlcy (9ricludir�g Its �eSurse its}, �e Provisions of ftt� policy (including its endorsements) shall prevail. Carefully read your policy, including the endcrsemanls a(Ge rAd t0 �mU P-0 Youi+ policy is baing renewed with one of ft following: loom • Tfte Exclusion - R".ording And DlistribuVen Of Material Or Irifornnation In Violadon Of Law endorsee- COW ralW CU 64 79 05 09 which mcdif�ies the Commercial Umbrella Coverage Evan; or T ie Alaska Exclusion - Recordlnq And Distribution Of Material Or Information In Violation Of Law erkdorsement CU 08 08 05 09 whiff modiPig�s the Coramarciei Umbrella Cbyerage Form: or The Exclusion - Recording And DL%tribuVon Of Matefial Or information in Woratioa Of Later eridorsee> orient AGE 66 54 05 09 which modifaes the Excers Liability Coverage Farm; or • Alaska Exclusion - Recording And Distribution Of Material Or Information In Violation, Of Law endorse- Mant CE 88 09 05 09 which modifies the i�-'xcce ss Liability Coverage Form- rho he enaorsefnent replaces the current "Exdus on - Electronic Distribution Of UnsoUciled Mater{a' endorse- snt with a revised exclusion, nevrty titfed "Exclusion - Recording And Distratbution Qf Material or wforrnadoin In Vlolatioc Of Lau" endorsement, The revised exclusion contains language that elaborates an the inlent of the Distribution Of Material in Victation Of $tatute<s Exclusion IQ reflect that, in addition to the TCPA and CAN- AM Act of 2W3, tPe e=lusion will more explldify exclude liability coverage for bodily injury, pet erty damage or personal and advefflsing injury ansing out Pf any action or orn 5sion that violates, or Is alleged to violate, the Fair Credit Reporting Act (FGRA), and any amendment of or addition to such law, includin!� the Fair arxd Aka-pure>e Credit Transa+rtons AIQt (FAOTA) and any other sirniiar federal, state or local statute, ordinance rir regulation c+oncerniN disposal and dlssemin'awn of personal inforrna- tiarr_ 10 2010 Liberty Mutual Insurance Company,A#aghts raser,,e . NP 75 65 05 09 Includes eopryrfphted material of Insurance Sertzes Office,Inc.,wrth ds permisilon- Page 1 of t N P 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: • 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. • 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 retumed to us dishonored, a payment return fee will apply. Because the amount of the return fee varies 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 2 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 REVISIONS ,)ear vatued Pclicyholder, Thank you for sel&�ting us as your carrier f+x your commercial umdrell:a insmrar►ce, This r)0ce co. to ns a brief summary Of the coverage changes made to your police. Thes-e changes primarily resin! from revisions in underlying policy forms, The changes outlined t-ICnv are raganaized into three gener¢I cate�K.xies: Professional $ereices Exclusions; Auto, Aircraft arxl Watercraft ExclusiorW all C41her ChaNes. Please crate that not all of the endorsements noted may apply to your specific policy. In addition, this netiQe does ncyt reference every editorial change made to the enaorsermrit or r�overage f{,rrn, onryr material (or signfricant) ecr/stag,, ehang€s, Egg Please read your policy and revi&nv your Dedarations fame for commis coverage Inf,, radon. No coverage is provided ETyr this notice, nor can it be construed tv replaces any provisions of your prAcy, If there are discrepatnovas between your prAlcy and thas notica, the provisions of the pokcy shall fret il. Should you tiave qua-tio s after wing the changes outlined below, please contact your rndependant agent, Thant you fcar your bdueine� , �s r!!e E SUMMARY or POt-ICY CHANGES tlfmfE PROPO E.SSIONAL SERVICES EXCLUSIONS The t"oilowirxg endorsements are revised to expressly address, in part, daims alleging negligence or other wrongdoin in the hiring, employment, training, supervision or ffxxiitoring of others by ar,y insured: * CU 64 n 07 14 Professional Liability -Fallowing Form * CU 60 60 07 14 Telecornmunicallon Equipment Or Service ProAders Errors And Omissions Exclu= Sion * CU 60 68 07 14 Medical Prnfessipwl xervl"s, ExciuSton CU 613 GS 07 14 Medical Professreonal Services -Following Porm s CU 60 77 07 14 Teras -irtsuraric:e Cumpenyf As Named insured 0 CU 130 81 07 14 Specified Professional Liability Exclusion * CU 60 03 07 14 Louisiana -Schools Or CQUeges Limitation 9 CU 61 15 07 14 Engirwars, Architects Or SUrVeyom Professional Liabifity Exclusion 0 CU 61 13 0714 Exclusion Of trrvvurance Agent' And 13rokers' Errors And Omissigns s CU 61 19 07 14 Insurance Company As Named tr4ured Lirnitation CU 6135 0714 Professional 1.11ahJ11 tyF Exclusion CU 8137 07 14 feat Estate Agents And Brokers Erma And Omissions Exclusion And Urnitation * CU 61 38 0714 Schq< !% Or Colleges. Ljrnitataon (Atbleticv Excivvil 9n) CU 63 16 07 14 Professional Liability -Law EnforcernW Exclusion CU 63 16 07 14 Professional 1_Isl llity - Emergency Medical Technicians, Ambulance Drivers And Attendants Exclusion i CU 6318 07 14 Schools Or ColtegeS Limitation (Athletics -F91lvw FcWrn) • CU 63 97 0114 Illinois -Insurance Company As Named Insured CU 64 67 07 14 Exclusion - Intjernet Service Prv+ri¢ers And la#efne# Acce3s Providers Errors And Omissions, f CU fro 70 07 14 Pr*fessional il.tabilityt Exclusion - Electronic a�r#a Pro essir�S Servl es And Com- o Corisuln'N Or Programming. Sorvice • CU 64 7107 14 Profe3slonal Liability Exclusion -web-Stte Designers 2014 Liberty Mutual Inswarrc-e.AN rights mserved. NP 93 58 07 14 Intrudes 1M$UMrl0t SerViCe$OtfioG,(nt,,Woh il#permi"iom, Page 1 of 11 +� CU 88 04 07 14 Professional Services Exclusion CU 88 05 07 14 Professional Services -Following Form e CU 89 13 07 14 Specified Health Or Cosmetic Services -Following Form CU 89 17 07 14 Exclusion Diagnostic Testing Laboratories • 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: i CU 60 45 01 13 Watercraft Liability -Following Form i CU 61 01 01 13 Aircraft Liability Exclusion s CU 61 05 07 14 Auto Dealers And Auto Services Limitation +� CU 61 06 01 13 Auto Liability -Following Form e CU 61 07 01 13 Automobile Liability Exclusion CU 6147 01 13 Watercraft Liability Exclusion CU 63 91 01 13 Aircraft Liability -Following Form s 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 o 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 • 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. e 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: +e Newly titled, "Exclusion -All Hazards In Connection With Designated Premises"; and a 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; e Operations on those premises or elsewhere which are necessary or incidental to the ownership, maintenance or use of those premises; or 'e 2014 Liberty Mutual Insurance.AIi rights reserved. NP 93 58 07 14 Includes copyrighted materiai of Insurance Services Office,Inc.,with its permission. Page 2 of 11 # Goods Dr products manufactured at or distributed from those prernsses. Editor i changes. are also made 11 rcaughot-it to irmp(oue readability and achieve consistency among forms- tf yr ur r rrew�l palaey GQ17t43in3 endarserrient CV 60 64 07 14 Contractors Llmitatlon Endorsement Wrap-Ups and your prier policy =Vaitlad GU 60 64 06 97 Contractors Umita0on Endoarsernartt - Wrav-upa then the fqdc,«fog Changes apply 14 your poficy. CLARIFYING, EI? ORIAL AND PROCEDURAL CHANGES The endorsem"l is revised as folly, e New defined terms, `explosion hazard "collapse hazard', and 'underground prop- erly darraage tiazard", are added tc achieve consistency with underlying exclusionary language. Itlt� e The pr€ofe75sion:al wrvice, exclusiQn i� rnvjs-ed to. r Exr-tud€ liability arislN out of the rendering of professional senrioes v; tlh rreape,�t to providing engirEw,-ring, arc-hite!(�Wral or .purveying �'ervmes ti? pttuers �n yccr capaoty as an emN ineerr, architect or surieyor; or prrwIding engineer- mg, arrhilectural or surveying services in connection wtith constr clip . w r*r You perform, Expr ly addrem cArms alleging neg%encw or other wrongd�ng in the hir- ing, empkoyrrlarit, training, supervisor of mcnitcriN of others by any ire �E cured, e Ar$d an exception for 94n5trLwbw means, methods, N?0niques, uences nc and procedures employed by tl'Kc rran-ted Insured in oonne Con with your QWrations, as a c+)na[ruction contractor, E-di rial changes are also matte throughout to irrr ove readability ar-td achleye Consistency among forms- 0 ff your renewal pviicy cvnfwns endorsernent CV 60 77 07 14 Texas - insurance CampAny Al Named Insured ar?d yrwr prod pinky conla.ined CU 60 77 05 37 'texas - Irsuran�ce Company As Named Ir►sured then tyre tA(vWng ehaages any to jvur pc*cy: CLARIFYING, EDITORIAL AND PIOCCDURgL C#1,4MwFGES In addit w to the change described in the Professional Services Exclusion section of this rwAice, the er3dorsement is revised as follows; i The clairns F►andliN exdusiUn is amended to apevificaily reference treaties 1),f insur- arrcl and solknsuranee- It Is also revised to @xp(essly apply to tiro invesligation of ally daim. The professional services ex-ciusi c Is reprised to expressly address.- e inspection or nmking rec<xnmeadations as an insurance or reinsurance com• pang, C6nsultant, agent, intgrrnadiary or brokc#r- ■ leis ntalrtlnrg an L]rfs cW records of others. e C4pr)ducling inw,-4tmevI,. loan, or real e-sfatte departments pr operaticzn3_ e Acting in any capadty as a fiduciary or Vust8e for annuities, gndowmenhs or employee benefts plaits. e performing any claim, inve:Aiqative, adjustment, engineerinq, inspection, consuti;inrg, survEry, audit, appraisal, actuarial or data processitV serwiioa fcx a fee. 2014 Liberty hfwuat Insurance:AN-Nhts reserr$d. MIS 0 ¢ O7 4 Include%coprytigh*d MateK*f of Insurance Serves puce,Inc„with As pettniuion, Page 3 of 11 * 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. a 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 Form • 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. * 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. • 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. Maintaining accounts or records of others. Conducting investment, loan, or real estate departments or operations. 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. to 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. Ti 2014 Liberty Mutual Insurance.All rights reserved. NP 93 58 07 14 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 4 of 11 CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endorsement is revised to reinfwe that the exclusion applies even if cfaims against an insured ailege ne4�figersQe or other wron9c1loing in the supervision, hiring:, employment, training or rr"Ito(lrag of others; or prrfiridinq or fa>iiing to provide transportation with respect to any person that may be under the influence of alcohol. if your renewal P044 Qont4rn:5 end0r.5emenf CU 61 26 i17 14 LGgijor Liability . Foltowincg Foan and)'Wr A161 P06cy c6alairtod CU 61 26 D6 97 l,lqua-r Wbitity - I ollowittg Form ftrr ethq 16flo inn charges apply 10 ypur PC Qyr CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES Tha endorserrient 0. revised to relnfb(ce that the exclusion applies even It dims against an insured allege negligence ar other wrongdoincq in the supervisiQn, hiring, employment, training or wonitoring of othbera, or prflv+iding of failing to provide transportation with respect to any p,erscn that may be Linder the influence of ak;ahcd. Editorial r;hange:s are also made throughout to improve readability anod achieve owsisten€:y among forms_ of pouf renewal polvg crAnta>ns enn'orsement CU 61 46 07 14 Fatlum To Su PPtSf E.xoluston arod yrpEer p�dry trey contained CU 61 46 06 9T Failure To Supply Exclusion ttren ft fnt}'o► krg changes app?y to your �E BROADENING OF COVERAGE An exception i3 added to the exdusiQn for failure to ,.vp,pty that re!a,05 from the =udclen and aceldsntal injure 10 tangible propefty owned ar used by arvy insured to procure, produce, prmess or transmit the gas, oil, water, electricity, Stearn w t,iofisel, bait Qnhy to the extent there is scheduled underlying irtManee for such fafli-irg to supply and for no broader coyerage than i5 provided by that policy, CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The endorsement is reprised to expressly stale that the exclusion also applies to the failure of any in-qured to adegQately s-upply hiofuel_ Editorial changes are miade throughout tea impnzwe readat*lity and aches rw5i�tenuy amoN forms. * if your rertewat poky C4tai`r7-s enrlorsemeW CU 61 50 07 14 Cordraclors Llimltatlon Endorsam"t a�3d your prior pogby containeid CU 61 50 11 06 Contractors Limit'a•tion Endorsement then the Fbikwing 0TOrTges appoy to your p4j'cyr CLARIFYING, EDTORIAL AND PROCEDURAL CI fANGES The endac5ement i-5 reyi5e¢ as fglkyrrs: New defwed tsrms, 'exptr,sin hazard"-; %%lapse hazard': and *underground prop- erty damage hazard", are added to achieye wn!5iatency with underiying exclusionary language_ Thee -Arap-up exc-lusim is revised to: a Specifaral y reference G nsGlidated insurance prograrn5; amd Reinforce that the excusion applies whether of rxA the ccnsolfdated (vrrap. up) insurance prc�c ram prrn�ides mien#d al oo rerage, has a. .Valle Emit-, or remains in effect. 2014 Liberty a#u6t4al Insurance.AM 0ghts reserved. NP 07 14 Indudcs copyrighted mtten;at of In$&,ranoo Sat*ts�i4e,Inc„w,h is permission, Past~ 5 of 11 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 servines 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. t 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. 4i 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. • 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. 0 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: a 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. 151 2014 Liberty Mutual Insurance.All rights reserved. NP 93 58 07 14 Includes copyrighted material of Insurance SeQ0.�4e,Inc.,with its permission. Page 6 of 11 • The prafessic�nal services Axclusion is re-Yised to expressly address: a Inspection or miik;ng reacrmmendatko)s as an insurance or rainsurancn c0e)Q Pany, cvnsurttant, went, interrmcliary u< broker. v Wintaimng accounts or records of others_ +� Gonducting in�iestrnerrt, ban, or real estate departments or operations. +� Acting in arty rapacity as a fiduviary or tnAtee €or annuff.ses, en-cim-Wments Qr employee tlanafVts plans_ +� Perrorming any claim, investgative, adju trnent, encgiraeerinrg, inspection, wrrsuMng, surrey, audit, appraisal, actuarial or data processing serooe fr r a - - fee. +lr if YOVr renewal policyF cpntoit93 endorsement CU 64 82 07 14 A►nendmertt _ Eleclrgrtlo daifa and yQDr Aram p(WiCy efrr)tarn wf CU 64 82 11 @4 Am4mdment -Electronic Data inert the 101f wing aarid-JS app?),10 y0or pgtk'y' _ CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES An alectronlc data amduslceni is added to Further reinforce. that ceirerage to not int�sndati for loss of eiei;Amnic data, An exceptiw to this exclusion is tncfvded for damages because Qf modify Injury, but only to tJ~,rs E xtFsrnt that Insurance is provr"ded for si-ch damages by sched;rled underiying insuranT� arYd for no broader ccvt;rage than is provided by such polio{ EdctQrial changes :ire also ma-de lhroughout to irnp readability and achieve ccnsi�_Ltenc among forms_ !f ygur rent policy contains enddfwffteat CV 64 92 41 13 Mobile Equipment -Following Form and ye,;r prkrr POYicy conhWxied CU 64 92 01 07 Mobile Equipment - Following Form Boar) m6i frtfkwar)rg change$aptly IQ yeur po+<icy- CLARIFYING, MTORIAL AND PROCEDURAL CHANGES ES In addition to the cftarige described in ttte Auto, Aircraft and Wa1.emcraft 5act-un of this notice, the endorsement is revised to; Expressly state that the exclursi©m applies tQ any, Iia�dity arising Qut Of the entrustment. to others of any mobile e�Wlpment, Arnend t17e defainitrQn of rsobite equipment to mean mobile equipment as it dellned in the undarlyirtg insurance_ • If yGur rerteWal,aofacy Contains errdorserMOt CU 88 23 07 14 Amendment Of Liquor Liability ExcluMon - Excepl>i4rt Fofi 5ichedulled Premise5, Or Ac#ivf#fes and yvvr prrc}r piny conWned CU &S 23 0S 09 Anwndmenl Of Uqu" Liability Exclusion there the ror{awr'r?r c-harrges apoy to youepc4icy: COVERAGE REDUCTION The endmement is re0sed to indicate that the liquor liability exclusion wil apply if a named insured perrrtit-S any pLM.Son b5 bring any alcahaliac t8Mefages do the named insu-red's promises, Ifix cortsurnplion on the named irtsured's premises. However, an exception to tfie exclusion is addM with respect to allowing a person tri tiring alcoholic beveragas on the prerrtises de- scribed in the Schredule of the endlorserriept, for consumption on the premises, but only 1e the exlAnt there is scheduled underlying insurance Car sucb liabiFity and far r10 broader coverage than is provided by that polliry. CLARIFYING, EO TQRIAL AND PROCEDURAL CHANGES The er�iQrsenwnt is revised to reinforce that the exclusion applies even if dims against an insu:recl allege nKlilgence or other wrongdoing in the sup mislon, hiring-, employment_ training or munitpric+g of Qthers, or providing or failing to paxAde frarisp0atipn with respect to any person that may be unde+f the inkpance of akohr,4_ 0 2014liberty kfuc" lnsorarice:AM rights reswk*.d. NP 93 5$ 07 14 JnVUde!tC44r,+r'9hted MAWOW Of lrrwrancx:Sef*cs QMCe.10C,i wOh As permission, Page 7 of 11 The endorsement is also re-titled to read "Amendment Of Liquor Liability Exclusion -Exception For Scheduled Premises Or Activities s if your,renewal pour-y contains endorsement CU 88 24 07 14 Amendment Of Liquor Liability Exclusion - Foilowing 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 e 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". e 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. 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. 2 2014 Liberty Mutual Insurance.All rights reserved. NP 93 58 07 14 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 8 of 111 The professional services exclusiw is revised to expressly address: ! Inspectlon or aia�ung recommendations as an insurance or reinsurance cc,m- Pany, cor.54ant, agent, intemwdiary +x broker. * Masmaining aCoW)ts or records oaf others- * Conducting irriestmerit, ban, or real estate departrrtf nits or operatims: Actirxd in any capacity a!5 a fiduciary or trtestee for anrtuiti en icr% men or employes i enei`rts plan$. s Performing any claim; investigative, adjustments engineering, in}pectir5n, consumng, survey, audit, appralsal, actuartai or data processIN se we ce €ox a fee. 4 if your renewal pc6cy conl`ains endorsement CU 64 02 07 14 Amendment - FIectr�nic Data and your Pv�OK pOlcy COntarned CLI 64 82 11 04 Anriendmept -l=kctranic Data fti me toftvirtg clhangA-s apply 1c) Your Dotrcy, mum CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES An electronic data exclusive Is added to further reinforce that coverage Is not intended for lass of c ronio data, An ex)epbw to this exclusion is aicly ed for damages bcc-a Q cp 4�dity Injury, but only to 11'* extent that Insuraner. Is p(ovided for such damages by scheduled underl&q i+nsuran e and for no broader ccuera-3e than is provided by such policy Editorial G#&nges are also m JE lhrQucghotut to impn readability ar*d achieve cc�rsisteney among forms. tf your renewal pokcy cvnr?rn3 prrdc3rsemerri CU 64 92 01 13 Mobile Equiprmnt - Fp114wing Form and y-oo)r pr�cir po,'Icy cwtained CU 64 92 01 07 Mobile Equipment - Following form men rt-s (O#0 4g chartyeB eppiY fQ your policy- - CLARIFYING, M- TORIAL AND PROCEDURAL CHANGES In audition to the change tfescribad in the Auto, Aircraft and Watercraft sin of this ribticL!�, the endorsement is reMised 1o; * F ssty state that the exclursicm applies tj:l arry Iiabjity arising tjr,it of the entrustment to slyer$ of any maple equipment, * Amend the definition of mobile equipment to mean mobite equipw—nt as d d -fined in the Underlying inGuyanca_ if your (6i7ow l policy contains CU 88 23 07 14 Amendnwnt Of Liquor Uabitity ExcluMon - Exception Fcw Scheduled Premises Or Activities and ypvr prior policy centshQe C(,J $8 23 05 09 Amendment Of Liquor Liability Exclusion Men the har#)Wr rg' changes ap�Vk Po your pc*cy:.- COVERAGE REDUCTION The endorsement is revised to indicate that the liquor liabit+ty MIUS on vVi8 appby if a named insured perrnits any POW8W to tiring any alcoholic MvOrag$s on the named insured's premises, far cor►sumption on the named irtswed's premises. However, an exception to the exclusion is addod with respect to altowing a persrin to beinry alcoholic lbavaragas on tho pre"se-s de- scribed in the Sch*dule of the endar err►ent, for cowlsLimptian on the premises, but only (o the eXbent there i5 se-Jh6duled underlying insurarwA for such iiatiEty and for roo broader coverage ttmn is provided by than p(Acy. CLARIFYING, EDITORIAL AND PROCEDURAL CHANGES The erndgrwrnent is revised to neinfwce that the exclusion applies eye-Ti if cl�3irns against an insure-i allege negligenc$ or other wrongdoing in tf�a supervislon, hrrlr�g, employment training or mwitc3rirwj, of othiers, or prgwidinrq ,pr failir�q W pro,ride transportation with re-sper't t4 any person that may to under the inAuience, of aicolhcA. 9 2014 Liberty Ifutual Inswarice.AM rights reseread, NP 93 54 OT 14 Ind4ide$(tCpyrigf)W (n*Wat Of InsmMilm$ervioe.s oKoa,me-vAh ii$perrniuion, 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 Fora and your prior policy container 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. o 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. i 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. 2014 Liberty 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 ff your renewal pejhcy contaias endor-rerrrerrt CU 82 11 01 13 ProdudsiCompleted Operations Hazard R*deAned and your po r potty did not corrt&rr e sim4ar Then ttre (00040ng cftaoge a pv('es to your Policy: BRGAOENWO OF COVERAGE The products *ted operabons hazard is amender! to Include bodily Injury and pfoperty damagge i€ the � dily injury or property carnage o<=rs after You have re4inqui9hed possess of those products, to the extent that this a,r mead definitron applies in a policy listed in the Schedule of Underlying Irrsurance, ff your renew poftcy contains endorsement CU H 12 01 13 Mexican Auto Coverage Exclusion and your prax pu Iky Grid rub ocRTaiR a sfmttar trxclus>tiorr tI'rer►ttte fbat cyiry rarsrlg�e appoes ray Your poA'cy, MW COVERAGE REDUCTION An excfusi4n is adde! to youf ppfipy fur arly liability arming out of the pv`ner5hip, rnain enanoe, operations, us+e_ loading of unIcadIng of any auto In Mexico. ff yrrur renewal policy owtains en&rserrrent CU V i 3 07 14 Sp*c-Kkd Health Or Cosmetic Services F©Ikrwing Farm and your prior policy old not contain a sirriWar exchj:skon then the FJhYwinq ch--q age &ApAfes to your poicy: COVERAGE REDUCTION An, exclusion is ad led to your poli y €Gr the rendering of any sewiice, treaiment, advice or l nstructiw for the purpose of appearance or shin enhancement, hair mmkcwal or replacement or perml grooming or therapy exert to the extent that insuring is prpwided by a policy li9te� In tyre Schedule of Underiying. Insurance. If your renewal poNcy contains eadot&errterrt CU 89 15 06 12 Amendment of Cancellation Provisions - Scheduled Person or Organizatian and your prior pofrcy dFd not ccvnWn a sin ifar ood=ernent then the VAkwfing changes apply 0 yotw p,)4cy: BROADENING OF COVEIPUGE Thi9 Cranpellatim Gonditiunks are amended to provide prior written notice of cancOlatiun to persons or organizations that are shown In the Schedule of the endorsement for reasons other than IQnpayment of premium. Our pb}fgatipn to sand notice terminates at the earlier of the current policy period or when the named insured no longer has a legal or contractual obligation to :5.uc�h perwrl or organization to maintain insurance Overage under a policy v&c1i requires that such person or organization be n died in the event of cancellation_ If r rer►ewlalpcYcy conW?s en&vsemeof CU 99 17 a7 14 Exclusion Diagnostic Testing Laboratories acid your pr br poffcy did not contain a sknifar axcius�un theca fhe fbhbLvfng charrges apply to your po)icy- COVERAGE REDUCTION An exclusion is ar ded to your policy for bodily Injury, property damage, personat injury,. ad- Merti9ing injury, or perwrial and aitierti5in9 injury ari5irag out of, 9 Medical or diagnostic testing, tecbnique5 or procedure,` used for theh: s Detection, diagnosis or trreatrnent of any sickness, disease, Condition & injury, or Evaluation of a patient's re9pc m5e to treatment or rme�lieatipn; or 9 The reporting of or reliancA upon the results of such modicai or diagnostic tasting, tecli- niques or procedures as describer) aboye, 2014 Liberty Mutuai Insurance.Ail ngihts reserved, NP 93 58 07 14 Includes c,Q ytighted m tt t0l oil lm$uMmr *Ser&,eS OK9G,Inc,.,wM A#petrc�i9si4n, Page 9 of 11 # If your renewal policy contains endorsement CU 89 18 07 14 Exclusion - Testing Or Consulting Errorf 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". s 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: • 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. s The reporting of or reliance upon any such test, evaluation, consultation, or advice; or s An error, omission, defect, or deficiency in experimental data or the insured's inter- pretation of that data. s 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: a 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 watercraft if such watercraft is owned by, or chartered without a crew by or on behalf of, any insured. o 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. s 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: Even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by any insured. a 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. Q 2014 Liberty 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 f: y0tp rortawaf 00 y conlairi.s €r7d ;e, rf CU 89 22 01 13 Exclusion - Designated Products . t-4 slur prier poky did Fraf panfain a.5,mifar exchi-,,c+rr therr the fb9oh%hg change ap,pr�--s t;G y ur policy: COVERAGE REDUCTION An exdusaan is added to your F-oficy precluding roverege for bodily injury or property damage included iin the pr(>ducts- MrnPle(,-,d operations hazard and arising ouc of any of your products shown in the Schedule of t1w endorsement if yrur renew-af prticy cootarts €'r7clr r;g rsr f CU 89 23 01 13 Fixclusion ,Designated Work and yaur prior poficY OW wt cantairt a airntl ar eAc*isron then the ;wing changes apply to)vwr pck-y COVERAGE REDUCTION A.n exclusion is added to your policy that pre Dudes C tarage for bodily injury or property fib dam ge included in the producls-corKileted Op+f-aIions hazard and arising out of your work shown in the schedule of the andarser'nent. r tf YaOx r&nOWa?pWicy ccv)tarfxs €9�0;SR(Mnf CU 89 24 07 14 General Amendatory Endorsanwot (Trade Dress LimiWillon) aril your prof- policy concerned CU " 24 01 13 Amendatory Endaniement JTrade Dress Umftatian) than tha IL-Won-rig char apply to ytwjr perr y.• CLAWltNG, EDITORIAL AND PROCEDURAL CHANGES i For oonsivency kvith the definition of pwrsmal and aduertisiN injury, the rw,-rmml and ad- vertising injury exclusions that apply to_ s Material publishQa with kinow4dge of falsity; and i Material published prior to the policy period are r8lvised to reference "iri any Manner', with respect to oral or ;vritton publicatitxt- 7he endcwsement is r€=titi`ed to road "Ceoeraf Amendatory Endorsement (Trade Drams Urnita- tion)'. 2014 Liberty Mutual Insuranoe.All oghts reser-fed. NP 93 58 07 14 fnoudG;oop-yrighled meal,ill of In-SUrprtee$ervireg offiC,Id��,:avilh as perrtiissiart, Rage 11 4f 11 NP99990216 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 W 2015 Liberty Mutual Insurance Page 1 of 1 IMF rl-y The Ohic Casgiaity Insurance (--.cxnoarry use (17) 55 57 37 42 • I>v�u#�xcr Cornmercial Umbrella Policy Declarations P..asis OrxwencR t1TfM 1)NAMED IIr UII Q i1 MO AVORM AGENT MAL=AMEW& PHIONE W NATURAL SYSTEMS DF-51C3N INC, (206) 3-63-I 110 1g00 N Northlalice Way Stye 111 NRCi INSURANCE Seaitle, WA 4910.3 Pry BOX -34628 #I5(A3 !lam SEAT-I"LE, WA 981214-1628 flareed lashed is: CORFORATIQN lkned lissred Busirem ts: CONS i-:LTANTS (ITEM 2)POUCY FMOO Hnm 0-5,117,2016 -l-U ()5;'[T7i)I; 12:01 AN-1 Sutridard i'im,[ at InRlr wfailing Lwation s i� i� (ITEM 3)PREMIUM CHARGES Ex*naktai of DESCRIPTION PREMIUM Chaves C'trmmnrria� tfrnhnatlg ���� �� Crrtiftrrt Arts of Trrrnrism Unverogt br7 )�nrinr3x1) Total Adtwnce Charges $505.00 Vewe, T/gA tip not# Nil BASIS OF PREMIUM.— NON-AUD1TABLE( Vj AUDiTABLE( 1 FBI THE EVENT OF CANCELLATION BY THE NAMED INSURED, THE COMPANY WILL RECEIVE AND RETAIN NO E-ESS THAN (014 ) OF THE P(.-)1.I€_.Y PREMIUM AS THE MINlMU?vi R.FTAINED PREMIUM FILLIS CERTIFIED ACTS OF TERROMSh1 COVERAGE AND ANY APPLICABLE TAXES AND SURCHARGES_ (ITEM 4)LIMITS OF R1ISURAUCE BESDUPTION LIMIT EACH C1CC1-!RRENC E $1,040,Oo0 ALOGRFOATE (WHERE APPLICARI.F) �1,Qt)d�fltl�3 PROUL17TS-CO MPLETED 0PERATIONS AC(-;RE.6A-I-E $1,000,000 SCL1=-I.NSURE[) RETE-NTION $10,000 .. italg O fiec V es*m W;a3 tir�gt,©n and lasue Nte 041Wl6 Aulkwbtad Representetire T'Q resort I cairn, call yvwr.Ager►t ar 1-8%LX2-0M US '70 22 41 08 3 55S737Q MMICS 225 NC%FPPFJO INSUREO COFY ll}Ti.8;1 FAGf 1% OF 66 yoYmrag• is rluwjwcu N.. r-;aicr tom; Liberty , The Ohio Car�wlty Insurance C-unpww U O JIT) 5517 37'� Mutual. Ip#U1E�+4�! (ITEM 5)WHEINU Of MERLYM WWAI11M CARRIER; POLICY NlJliR1R AND PFI..ICLa TYPE OF COWRAGE I,.IA'I I T S OF INSURANCE OH[O SECURITY INSURANCE BUSENESSOWNERS $4900,M LIABILITY AND COMPANY LIABILITY MEDICAL EXPENSE LIMIT S4,000,00 OTHER THAN VkODLCTS -COMPLETED OPERATIONS AGGREGATE 14,000,00 PRODUCT'S - COMPLETED OPERATIONS AGGREGATE LIMIT Includcs Nary-C}u,ned aad,'br Hircd ,auto Liabitity qL$(l 7)5557P42 055 171'2016 - (F511 I T2017 OHIO SECURITY INSURA*ICE STOP GAP 5,?, .6ttV BODILY INJURY EACII COMPANY LIABILFFY ACCIDENT LIMIT 52,0ftOtl9 BODILY IN-FURY BY US(M-15573742 DISEASE AGGREGATE 0J`1 1201{ - 05 1 TW17 LIMIT f2,Bd0OO BODILY INJURY BY DTSEASE EACH E'fFLC)YEE LIMIT To mpevi a 6c m1� cag pour Ag&4 OAF i.W M2.194W 0: 70 2101 08 v nn:ec ;Cr,-MA7 wn 4vry 795 NUFFVNU INSURED COPY callm PA" -V OF 66 Liberty T P4tyr Nur bw: The Olio Casualty lnSUrancA Company II;WI 117) 55 57 37 42 IM�u��►.;s e POLICY FORMS AND ENDORSEMENTS This section lists all the Forms and ErrdorsemenLS for yoar policy- Refer to these documents as needed For detailed inrormation corweming your coves.ge, FORM NUMBER TITI.F _ CI f KI tit flE 97 Comme-f6al [_mbdella Ce,wnge, Froth CU 617J 3G i1fi 47 Care, CLIS00ty 0r CURIPJl Exclusion - Real CST Pevion;tlt Property CU 60 39 01 15 Cap On Losses From Certified Acts &Tcrrori�sm CU 61140 ,91 15 Underlyiag Coverage Requirement For Certified Acts Of Terrorise CIF 61 06 fil 13 41>u Likility - Follming Fofrn CU 61 15 07 14 Engineers. Awhiwcrs Qr Suncym Pruf si)nal Liability Exclulsiurt C"1 t 61 90 iJ8 1 U A'ashinc on C hanecs -Caarteellm an and Nonrcnewal C11 63 .14 fir; 97, Foreign Liability - FoLlowing Form CU 64 ?I) 12 414 Wa hiriglon • Fan i of Racreria Exclusion >� CU i 64 32 03 ,99 VVashingiun Asbcstus Ex'Clus1071 CU 64 7r)05 09 Exclusion - Recording and iJfistribution Df Material or Infom-ut1on in Viotation of the Law CU bd RZ 07 .14 Aniendir lent • 1 14"4'tliil1i� CU 64 87 lt}fJ5 Ewnimi4 or Trade &arictions Curidition Erarswemi :U 64 92 91 13 Mobile Equ4nnent - Following Farm 6495 1207 Waiver Transfer Rio Ilis of Recovery .4gai nsl Others c_.C! 65 08 01 15 EXiChlS4ot1 Of PUIlitIve Dalluges Related To A Certififie4 Act Of Terrorism CU 88 01 12 02 Woe LizWlity Exulusi li Cif 88 04 07 14 Prafcssional Services Exclusion CIJ 88 27 12 07 Wasbington Ernployrllrnt Rclatcd Praciiccs Exclusion CU 88 31 05 09 Nrwwil and Advertising hijary . Follo-wing Form CU 88 39 07 14 Amendment a)f Defmki" of Insured CU 88 41 02 I ra Amendment of Pnllud-on Exclusion CU 89 19 01 13 Amendment of Watercraft Exclusion CU R9 21 07 15 Aniendr_rmerit of Ainnft Exclusion CU 89 45 1►1 14 A;Xess ur Dr-w cie-ure OfCorifi wial or PenC►itiil Informalkiri Arid Dora-Relined - Liability with Limited Bodily Injury Exrcpticm Exclusion In witness whercof, we have caused this policy to be signed by our authorized officers_ Dcxt-er Legg Paul Condrin Stir rt:tr}r Prr-sidertt T4 f*P-1 a C!a<AIa call your AgeFd or i-WG.W2-WW D S 70 23 01 W R 55SM42 P t-SVIS 2-5 NCXFPPNO INSUREO CU" W Ism P"E 21 OF 6B CU60t1 'g697 COMMERCIAL UMBRELLA COVERAGE FORA There am proMisiorts in this polio+ that reslrtct Insuring Aqmmenl, V. DEFINMONS. Wo(ds and coverage_ Read the enbro policy carefully to dieter- phrases that appear in quotation marks have spe- rnine rights, duties and what is arad is not cov- cial meaning artd can be found in the DIEFINITOON Bred. Section or the specific policy provision where they appear Throughout this policy, the words "you' and ! "your' refer to the Narned Insured as defined in Insuring Agreement, V. DEFINITIONS. The words In owsirdetabon of the paym-ant of the pmmiurn 'wm:° 'us" and "our' refer to the Gtxnp{any pros and in reliance upon the statements in the Dec- viding this insurance_ The word Insured` moans leratinras we agree with you to pro;ids 00veraga any pemw or organization qualifying as sum in as follows-, l r INSURING AGREEMENTS i1 1, COVERAGE €, The General Aggriagato Limit is the most We will pay on behalf of Che "insurerr those we WR pay for all damages cowered under sums in exre5q of the `Retained Limit that the Insuring Agreement in Section I., ex- the 'Insured" becomes legally obligated to cep' pair by react of liability impDsed by taw or 1. damages included in the "p;oducts- as$umod by the 'Insured' under an 'insured cxnpwod operations hazard"; and wntrar,t" beuause gf "bodily injurg," "property damage;" "personal injury," or "adirertlslN 2. coverages incki ded In the policies kst- injury" that takeii place during the Policy Pe- ed in the Schedule of Undertyinqj Inrsur- 6A and is caused by an "o rf"ce' hap- ance to which no undertjing aggregate peeing arrywbere. The amDunt we wia pad' for limit applies. damages Is: limited as descrited below In the Insuring Agreement Section 11. LIMITS Or Ili The armunt stated pn the 0-.c4aratiQrz. as SURANCE. the General Aggregate Ll"t is the most we will pay for all dan-sages ari5ing out of 0. LIMITS OF INSURANCE any "bodily Injury," "properly dan7agg,' "pem na€ injury," or 'ac.'; rffriin�i injury' At, The Limits of Insurarwe shtawn In Item 4. su*ct to an aggregate limit in the 'un- t f the NcJaralipns and the rulee bel!nw c#ertyinq irtsurance,' The '�3Qrwral Aq�re- stake the mast we will pay regardless of gate Limit applies mpatately and In the the nurntp@r of: same manner as the aggregate fimits in the "uvderiylrrg insurar"." 1. 'Insureds"; G, The Pr4du�ls-Cornpleted Operations Ags . 'bairns` rrtada or "suits' bt ughl or ate Limit is (he m€ral we wig pay for 3. p,8rsonts or orgarizatie'ng making all damages included m the 'produ cts- 'daLms" or bringing "suits,' completed operations hazard," D. Subjert to B. of C, in Sectat5rt IL LIMITS OF KSURANCE, whichever applies the Each Occurrerw,a Limit is the most we wilt pay kx- 'bodily injury,' "pvDperty damage." CV E�0 02 06 97 (Page f pf 15.) "personal injury," or "advertising injury" Schedule of Undedying 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 ton 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 60 02 06 97 (Page 2 of 15) 3_ We w71 pay the fcAlowing as expenses, 'claim" or 'suit" against the "Insured. to the extent that they are net included We will, howawr, heae the right and wiM in the cov a in the 4inderlying poli- tee given th? ?�G�rfin`tY t F�rWPatt in cies listed in thter Schedule of Under- the settlement, defense and Vial of any Insurance or in any o*-tff inuur- 'claim" cX "suit" relative to any "occur- ance providing overage to the `In- renew" which, in our opinion, may create cured": liability on our part under the terfna of this policy. It we exercise such right; we wig a, premiums on bands to release at- do so at our ecru expense_ tachments, which bond armunts wilt not exceed our Liftts of In- IV E.XCL(,fS1QNS surance, but we are nol obligated .-r-� to apply for or furnish any such This insurance does not apply to: bor►d; - -* A. "Bodily injury" or -property damage" ex- b, prerniums on appeal bonds, pected or intended from the standpoint of which bn-M amounts will nrxt ex- the "insured_" This sxclvsion does not ap- ,_ ceed our policy limits, required by ply to "bodily injury" resulting from the law to appeal any 'claim' or Lm of reasonable, farca to pro(act porsons 'suit" we defend, but we are not or properly otligated to apply for or furnish any such bond; B. Any obiligation of the "Insured" undo-r a ice€ Morkers 0arnpensation, Unemployment tt� c. aM dusts taxed against the "In- Compensation or DisatAity Benefits Law, cured` in any "claim" or 'suit' or Lmdar any simaar law, regulation or we defend, ordinance, d, pre-judgment interest �tia d C. Any Obligation of the "Insurecr under the against the "Insured" on that part Employee Retirement lnr:ama security .Act of the judgment we pay that is of 1374 or any amendments to that act, or within our applicable Limits of In- under any similar law, ra uilation or ordi- surance. if we make an offer to Rance, pay the appticabte Limits of tr-isur- ance, we will not pay any pre- 0- Any ot;ligrafion of the "Insured" under a judgment Interest based on the No Fault, Uninsured Worlst or Underin- period of time after the offer- sured klofiorrst law, or under any sirrular law, regulation or ordinance, e, a® interest that acmes after entry of }vdl�lmenl and before we hate E. "Property damage" to "Impaired property" paid, offered W pay ar deposited 4r property that has not been physically In, court the part of the judgment Injured, arising out of, that is witl'un mr applicat?lee Limit- of lrlsurance; 1. a defect, defidency, inadequacy or dangerous corxifben in "your prc duct- f. the ilrtsured's" wctual anal reason- or 'your wotk`; or able expenses incurred at our re- quest, 2. a delary 4r failure by YOU Or anyone acting on your bahatf to perform a corv- C, We will not Fnvestigate any 'claim" or de- tract or agreeniant in acoordarw3e wtttr fsnd any "suit" after our applicable Limbts its tarms. of Insurance have been exhausted by pay- ment of judgments or settlamonts_ This exclusion itoas not apply to the 1088 of use cf other property arming out of a. Irt a® other instanws except Subsection A, suddan and WC-idental physical ir►jury to in Section fM, DEFENSE, we will not be "your product" or "your work" after d has obligatisd to assume cbag r of the irn,as_ been put to its intended use. tigatiori, settlement or defense of any GU bG 02 06 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. 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- H. Damages claimed for any loss, cost or ex- ity or performance; 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- penses, costs of investigations, or the fees of attorneys, experts, or consultants, ads- if such product, work or property is with- drawn or recalled from the market or from ing out of or in any way related to: 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- 1. "Property damage" to property owned by tants," however caused. the "Insured." 2. Any request, demand or order that any J. "Personal injury" or "advertising injury": "Insured" or others test for, monitor,dean-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 fives, 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 material whose first publication took 3. Steps taken or amounts incurred by a place before the beginning of the poll- governmental unit or any other person cy period; or organization to test for, monitor, dean-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. 60020697 (Page 4 of 15) As urwd in this exclusion "pollutants" 3- wgrc 4n, damatipn, emakiation, rQas- means any solid, liquid, gaseous, or ther- signment, discipline, defamatlon, h�- mal irritant ar cpntamimant, inrluding, but rassmeret, m4lars`4EiQn, hurndia ion, not tlrmted to smoke, vapor, soot, funt63, discrimination or other employment rem acids, aikarlia, Gherraicals and waste rna_ laid RsactiiQea, polic iea, acf5 cxr ornis- twlaL Waste mateflal includes materials slons; car which are intended to be or have been recycled, reconditioned or redairr i. 4. consequential "bodily injury," 'proper- ty damage," "personal injury' tr 'ad- iltl.. "Bodily injury" or "proper#y damage' dine vertising injury' as a result of 01, to war, wbother or not declared, of any act through 9.3. or condlizon incident W war. War includes dviil war, insurnaction, rebellion or reyolir- This exclusion applies whether the "Iri- tion, This exclusion applies only to lkabifity sured" may kre held liable as an employer atsumad under a contract or agreerrvent. or in any dthor capacity and to any obliga- tion to share damages with or to repay M. Any Kabillity, including, but not lirnitatl to somorxie else who must pay damages be- sett>wrraerrt , Ndgrr*cts, costs, charges, ex- cause cf "bodily injury,' "property da?n- perises, crssts of inye6tigations, or the (F,es age,, `parsonal injury' ar 'advertising in- of attome)rs, experts., or cvnsuttants ans- jury'" ing out of or related in any way, either directly or indirectly, to; P. "Bodily injury," "property damage," "per- sonal itijwy` or -adverusing injury" ox- 1. asbestos, asbestos products, asbestos- cluded by the Nuclear EnMy Liability Ex- containing matarials or prodibcts, as- ctusion attaciheod to this Policy. bestos fibers or asbestos dust, includ- iN, but not limited to, manufactura, a The falls wing items 1. through 4., except mining, use, sale, irkstallatiort, rewvai, to the exterLt that such inwrarCe is prcu- or distribution WFrAti&S, vided by a pollcy listed in the Schedule of tJndertyiN insurance, and for no broax;ler 2. exposure to testing for; monita ng of, coverage than is provided by such policy: cleaning up, removing, containing or tfeAng of asbestos, asbestos pro- 1. Liability of any employe with respect duGt9, asbestos-Gontaining materials or to "tardily injury," 'prop" damage,, produiets, asbestos fibers or asbestos 'personal Injury" or "advertising In- dust; jury" to Y or #�► arrc�tlter errtp[oi'eef the same employer injured In the 3- any at"Jon to investigate, Attie gar GG+ur of suite fpyrrrent, defend, or lademnlfy any perm - agairi�t any 'claim' or "suit" ari$incg 2- `�'odiy injury' or 'property darnNe" out of, or related in any way, elther arising out of the owrtetship, malaten- di-ectff/ or indirec#ly�, to asbestos, as- anre, pperation, uee, 'boding" car 'un- bestos products, asbestos-containing ioading" of any watercraft, if such Mager ats of prxtd�tcls, asbesbQs fiber, waterer is owned, or Gtrarfered witf�- or asbestos dust. out crew, by or on behalf of any 'In- sured-" This exclusion wio not apply to 0. "Bodily injury," °propwy darnage," "per- watercraft villa ashore on any prem- !3onal injury' or 'advertising injuY aria,- i5es owned by, rented to, or Qontroille-d Ing out of any: by you. 1, refusal to errtpfoy or promote-, 3. Toddy injury' or '-property damage' atiaing out of the orw tship, maiiitor�- 2. terrninatcn of employment-, ante, opera-Uac, use, "luad;ing' or 'urr- loadirtg" of any aircraft, if such aircraft is owrioed, or hired witho+t,rt pilot or crow, by or on behalf of any *Insured-' W 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- f 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 injury, mental anguish, humiliation, or the conduct of any "In- 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- a. whether any "Insured" may be erty, other than "your product" or "your liable as an employer or in any work," that cannot be used or is less use- other capacity; and ful because: P tY� 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. DEFINfTIONS 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 riod: 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- nership, joint venture or limited 5. mental injury, mental anguish, humili- liability company, and over which ation, or shock, if directly resulting you maintain ownership or major- from items A.1. through A.4. ity interest, will qualify to be a Named Insured. However. 60020697 (Page 6 of 15) (1) coverage under this pr vs- 'untlOading" of any "autos,' airrraft ��r sion is afforded only unto the watercraft Linless such cwerage is in- 9Ith day after you acquire Qr eluded under the policies 'fisted in the farm the orgarrMizattion or the Scbedule of Undieriying Insurance and end of they policy pehod, for rra trrcader coverage than is pro-- whichever is earlier; wide€i under suer underlying polacles. (2) coverage does not apply to Employees wdiude "leased woskws` „bodily i*r'y," `prop lout not "temporary wreckers.' "Lea5ed damage," `personal inW workers" are leased to you by a iabcx or "advet tieing injury' that leasing firm under an agreement b'e- a■ i o=rred before you acquired tween you and the tabor leasing firm or torm8d the oNanization; to perform related duties to the wn- and duct of your business. "Used work- erg' are not 'tempusry vKxkers.' (3) coverage applies only if the *Temporary workers" are persons fur- organization is includod ur- niched to yc7u to wts!�tftvte fur pemha- der the crn+e ge provided by vent employees on leave or to meet the potici" IisW in the eeasnnat or chart-term wcwklrxad cendi- Schedule 4?f UnderlyiN In- tions. surarice and then for no broader roverarge than is 7. Any person, o4h?er than one of your provided Sunder su& under- pioyye&s, or organization while, ad- lying prJli s, iris as your real estate manager, 2. If you are an individual, you grid your 8. Any person (other than your partners, spot , but cnhy with respect to thie gxecutiye otficors, diractots, stockhol- conduct of a business of which you are tiers or em*yee_s) or orclanlzations the sale owner as of the affective date with respect to any 'auto` awmod by 1Df this policy, you, loaned to you or hired by you or w your tethalt and used with your per- 3. If ynu are a partWship ur -Qint von- mom. tore; the partners or members and heir spouses tart only reef the However, the overage granted by it)is conduct of your business. Provision B. does not apply to any par- . If are a limited Ilalasiity company, sun using an 'auto" while working in a business that setts, seas, repairs or the members or managers but only as parks 'autos" unless you .are In that respects the conduct of your business. business. 6. Any parson or organlzattk)e, other than g. No person car organization is are "In- the Named Insured, included as an ad- sured" Mh respect tv the coruiuct of ditional "insured" by virtue of an "Ina .any current or past parinershtp or joint cured Qprrfirset" and to which coverage venture that is not shown as a gamed Is provided by the 'underlying Insur- tnsured in the DedaratIons. anue," and for no bn�ader coverage than is provided by the 'underlying G. 'Insured contraci" means any oral or wnt- ir►surance" to ouch additional "in- ten contjr or agreement entered into by sureci.` you and gartaining to your business under whim you assume the "Wrt IRalt)ik y" of B. Any of your partners, executive off- another party to pay for "bodily Injury` or cere, directors, or e+mployeos but only "pmper{y damage" to a third perwrt or while acting within the scope of their organiaatioin, provided thal the 'bodily In- duties. jury" or "property dame' QQcurs subse- However, tiva wverage granted by this quent to the execution of the contract or Provision 6. does not apply to the own- arship, rnaintenanc,8, use, loading" or W 02 D6 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 dling 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, "koading" 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 1. "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. ity 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 60 02 06 97 (Page 8 of 15) kequency or repetition thereat, the b_ work that has not yet been com number and kind of media used and pied or abandoned, the number of Claimants; 2. 'Your work' will be deemed complet- 3_ as respects 'advertising injury," an of- ed at the aarWW of that following feme oornrnkted M the course of ad- times.- ver#r9ing, your goods, pT-odvrta and ser- vices that results In `advertgsing Ire- your When ail of the work called far in jury_' ,AA daawge5 that arise from the your c�aitract his b�a3ri t4mplet- sarne or related injurious material or : acts will to considered as ariaiN out b. When all of the *,aric to be done of o *occurrence," regardless at Its site has b"n compWMd if dless of the Cl f� ►�r,cy 4r repetition thf, the your contract calls for work at number and kind of media used and more than one site. the nurnt.3er of cfaimant5_ K. `Persortal injury' means utiury other than c. When that part of the work done "bodily injunl'' or °advertising injury" aria- Intended a �e site hoe been put to its ing out of one or rrtnra ref the following intended use by any person, or or� ganiza con- offenses during the policy period; tion other than anrxtl'1er tractor car subcrrntractof working 1, false arrest, detention or irnprison- on the same pr 4ect_ ilk merit Work that rrwy need service, mainten- 2. malicious prosecution; ance, correction, repair or mplacement trot which is otherwise gornplefe, *1 3. the wrongful eviction from, wrongful be treated as corrtp4eteri. entry into, or irnrasion of the right of private pat�cy of a room, diellig 3. This "pfoduots �rrtipletrd operations or premises that a person gco?�p+ies by jury' does rink include •tiit� in- or on behalf of Its owrwr, 1:ar►dkwd or jury' or "property damage" arising out cif leer; 4. oral, written, televised, videotaped, or a, the transportation of property, un- eledmnlc pUblka6on of material that less the injury or damage arises 51sndeT5 or libels a per5cn or 4rg�eniza- out of a aortdi5w in or on a ve- ti c or disparages a person's or ors hicle created by the loading' or arvzation's wads, products or ser- Muni dir of it; vim: b. the 8xishance of try, uninstalled S. oral, written, televised, videotaped, or equipment or abandoned or un- eleclrcnic publication of material that used matarials_ violates a pe4sorn's right of petvacy: of M. "Property damage* nnrearis: 6. mental injury, mmental anguish, humili- 1, $ysical Injury to tangible pr arty. In- atiori, or shack, if direclty fesultir cluding all resulting k�s of use of that fn� Rents KA. through S. ert Alt such loss of use will be L. 1. Trodutts-oompleted operations haz- deemed t�i ocour at the time of the ard" near s a® "body irtjLO" and physical injury that caused It or 'property damage" from an "occur- 2. loss of use of tangible Property that is rerloa' taking ptaCto away Ferri prem- ises you own or rani and arising out: of not plry�icatity injured- ,va such Ices vuil!l be de€fn d to occur at the Wie, of 'your product" or `your work- except_ the 'oCurrence" that caused it a. pno 4Cts thal are slim in your N. "Suit" means a civil plly3lE�li pL}S3�e35i4n; Or pa'tx�edin� whiff Seeks nx?natary damages becausa of bod- ily inNry," "prw. erty damage," 'per- CV $0 02 06 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- 1 ance coverage provided under polices • 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 b us in writing. It includes an of 'your work"; and Y 9. y policies 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 as to any modifications which are A. Appeals agreed to by us in writing. If the "insured" or an "Insured's" under- P. "Your product" means: lying insurers do not appeal a judgment in 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- lion 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." 30020697 (Page 10 of 15) D_ Garcellation ceflation and the receipt of any rirfur�- that may berme payable under this 1. You may cancei this polICf. T Gu must policy. mail of deliver .advance written notice to us stating when the cancellation is 8_ Any of these pF iaiurra that c nflicl to lame effect, Min a law that controls the cancella- tion o¢ the insurance in this poricy is 2, We may cancel this policy, If we can cRI changed by this sWernent to comply because of riMpayrnant of pratrrium, with the law, we must mail or deliver to you not less than tan (10) days advance wtiltan no- E. Ghangas tice stating wten the cancellation is to tabs etfbe If we camel for any other Notice to any agent or knowledge pos- reason, we must mail or cfeli!vef to you sessed by any agent or any otwr person not less than thirty (30) days ad4aritO wil not affect a waiver or a &arrfga a7 any written notice stating when the can- part of this policy, Tills pollicy can only be ceflation is to take eflfad. WIN that changed by a written andorsament that notice to ru at your mailiing address berxames a pact of this ply and that is Shown in horn 1, of the Nrlaratiorrs signed by ona of our aulhotized rapra- wit be surficiecl to .prove nobire, sentataves, now . The policy Period wAl end on lhoe ray F. Duties In The Event of An Gccurr+ re, and Hour Stated in the cancellation no- Claim Or Suit 11110� tide, 1. you must see to it that we are notified 4, If we cancel, final prerrdurn will b e cal- as soon as practicmble of an "occur- c:ulated pro rata based can the time this ren e" wfI& nvy result in a "claim" policy was in force- Final premium will or "suit' under this policy. To the ex- not be less than the fuilrtlinum pre tent passible, nal$oe MI include: miurn as shown in Item 3. of the Dec- lara zs. a. hew, when and wheire the "occur- rence" tPok place- S. If you cancel, finial premium will be more than pry rata; it will be based on Et_ the names and addresses of any the Itne this policy was In f and Injured person and wltrressesr increased t>y cur shQrt rate (7once41akion ta61e a procedure, Final prerr�lum e. the r�ture and beafc�n of any in- veil not be bass than the Minimum Pre- jury or damage arisir� out 4f the mfum as shown In Item 3, of the �- occurrence." larations. 2. if a cfairrr3 fl or suif against any In= 6- may be medrr at Sured" r8asortably likAty to inv!ah-e Che tt�fi1B of cancellation or as mice as this p ycc must notify us in, writ- pra�icable thereafter but the canc;ella- ii�g ran a; praeti t _ tion will be affective ever~ if we have 3, you, and any other irrvohted "insured" n©t made Qr Offered any refund due must; Vou- Our check or our re presentati+re's check, mailed car delivered, wil be 5uf a_ immediately send us copies of ficlent tender of any refund due emu- any derma, notices, sum~s- es or legal papefs receitired in oart- 7. Thy first t+larr eel Insured in Item 1. of the Ndarations will act on behalf of suit"- with the "claim" or al other "insured!s' with respect to 's�ri the giving and reoaiving of roi" of b. authorize us bo QE)tain reQwds and can- other information: C:V K 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- 60.02 06 97 (Page 12 of 15) ment, the actual exposure bates Will be Expenses incurred in the exercise of rihts Lits€d to compute the earners prernvum, if of recovery wilt be apportioned between the earned premium is greater than the the interests, inciwding the 'inbred," in Advance Premiuni; you will promptly pay the ratio of their respecve recoviwie$ as as the difference- If the gamed premium finally is fY settled- less than the Advance Premium, we wlpl return the difference to yQu. But in any . Terms Conformed ba Statute nt we wail retaln the Minimum Pre- mium as shown in ttern 3- of the ©eclara- The � a! this Policy which are in ant tlans for each twelve months of our policytlict with the statutes of the state where this Polity is issued are amande,d to c ora- "` €(xm to sum statutes, L. Separ^atian of fnfureds Ilf we are prevented by law or statute from Pxoopt with respect to our Lirrtiits of Iresur- paying on behalf of an �Irred,' then we anee and any rights or duties specificiaihr wil, whera permitted by law or statute, assigned to tra fiat Nattiest Insured des- indemn4 th(3 "Insured" fa€ those sins iri _ icgnated in Item 1, Ct the D Clara*ms, this ewc of the 9retained limn" insufanca applies: O, TF8n9fE+7 of Your Rights allsl [tubes 1. as if each Named Insured were the Your rights and duties under this pommy aim only named Insured; and may not be transferred without our wnrtten t�evt 2. s+:parately to each "Insured" against consent, wh+orn 'dairn` is rnada or 'Suit" If yeu die or are legally declared t>ankrvpt, tuuught, your rights and duties WIN be- transferred M. Transfer of Rigtrts art Recovery Against toyoLrr legal representa#>i�m but Qnhy while Othm to ifs acting within the a of duties as your legal reprefentatve- However, riQtice of If arvy 'insured" has rights to recover alill or eanceitalion seat to the first Named In- part of any payment vie have made under cured designates in Item 1- of the Lledara- thls polloy_ those rights are transferred to ilons and mailed to the address shown in us. The Insured" must do, nothing after this toy will be suffi nt rKAice to effect logs to impair those rights and must help cancellation of this policy. us enforr_-_ them_ R. When loss is Payalbte Any recoveries wil be applied as follows: Co,rerage under this policy wiPl riot apply 1. any intwe:sts, iricfudiN the "Insured." unless and until arry Insured" or an "In- that Kaye paid an amount in exce of sured s' urhslertying insurw is obligated to our payment under this pollcy will be pay the 'r4tairted limit." reimtursed first; `titian the amount at loss figs finally #teen 2. we then YAI be reimbursed up t-o the deterrnaned, we will Pr p-1y pay on t>e- arount we Have paid-. and half of ttie 'insured" the an-bount of lost falling within the terms of the policy. 34 IaFsdy, any oteresis:, irkludirig the "In- sured." river which+. our insurance i� You tivill promptly reirrrburae Lis for any excess, ere gniitied to claim the resi- amount withln the Seil-trksured Relentlon due, advanced by us at our discretion are trehatf of any "Insured." CV K 02 06 97 {Rage 13 (if 15) NUCLEAR ENERGY LIABILrrY 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- ii. any equipment or device designed or tion of its Limits of Insurance; or used for b. resulting from the 'hazardous properties" of "nuclear material" and with respect to (1) separating the isotopes of urani- 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, processing or packaging issued would be, entitled to indemnity "nuclear waste"; from the United States of America, or any agency thereof, under any agreement en- iii. 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 (b) 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 60020697 (Page 14 of 15) e_ 'Nu(;iear reactcx" means any apparatus g_ '5aurce materiaC '"special nuclear rnatC,-- r-earned or used to sustain nucl fission rdal;" and `by-product materiar have the in a sett-suppc>rtiN c4airi reaction x to meanings given them in the AtQmic En- contain a critic al mass of fisolonable ma- ergy Act of 1354 or In any law annendatory terial. thereof, f_ "Nudear waste' meant any nuclear waste h. "Spent fuel" means any fuel element or material (a) contairiing "by-p(oduct mate• fuel component, soFbd or liquid, whiff has nai" other than tree t8iilings of nuclear Ian asad or exposed to radiation in a waste produced by the extraction or curt- "nuclear reactor." centration of utaniurn or thorium frorn any are processeed primarily for its "source ma- This endvrse+rrwerit does not change any other prck —. t$tiar =ntent, and (b) resulting from the vision of ft policy. vperatioon by any pemon or or+gan:iaation of any 'nuclear facility' included within this definition of "nuclear facility' under Para- """ graph 3.b.i. or &Wi, In Witness `nth of, we have caused this prAlcy to be executed and attested, but this poky WIN nal be NO valid unless c unleraigned by ane of our duly authorized repro-sw te(i�res, were required by Eaw, 1 Nill"!� CV 60 02 W 97 (Base 15 of 15) CU 60 30 06 97 - THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARE, 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. 30300697 CQMMERCtAL UMBRELLAS CU 60 39 01 15 THIS ENDORSEMENT CHAN43ES THE POLICY, PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM Thes endorsement rr�odllles insurance p(ovided under the following' COMMERGIAL UMBRELLA COVERAGE FORM If aggregate Fissured losses attributable to terrorist acts catfied under the Federal Tefrorism Risk lnsuraEnce Act exceed $1W billion in a calendar year and we haw met our in5uuer dieduciti cruder the Terrorism Fisk Insurance Act, we shall not be I',able fax the payment at any pwlo o of th€ amount of sum lQso$es that exoeeds $100 bilf►on, and in w case insured lct5ses up to that ampernt are s rbject to pro rats allocation in accordance with procedures es�tabllshed by the Secretary of the Treasury, 'Gerb ied act of terrorism' means an act that Is oeel(i d by the Secretary of the Treasury, In acaordance with the pn*5iQm5 of the €e�eral Terrorism Risk ln:suranoe Alt to be an acf Qf t--Fmism pur5uan't to such Act. The criteria contained In the Terrarlsrri Risk Insurance Act for a "certlfled act of terrodsrn" include the fQliawing: 1, The act resulted in insurod k)ssas iri 6AC-Oss Of $5 milliw in the aggrognti�, ath'ibu#abtq to all types of insurance 50fect to the Terrorism Risk Insurance Act; and 2. The act is a aiclent aot Dr an act that is dan!�erpus to human life, property ar irvkastruf7Aure and Ls committed by an indlvlduel ar Individuals as part of are effort to coeriue the cNillan popuiatfon of the t,nited States or to inf uence the polio cw affe%t the wriduct of the Jn&-d Status GQyemmen# by coercion, The tams and firrWatlons of any terrorism exclusion. or the inapplicability or orniss+on of a terrorism ex*sign, do not s�e"e IQ create courage for injury Qr darr ale that is Qtherwise exCicAded under this, policy; This endorsement does riot change any other provision of the policy. 9 2015 1-beO/ #Autuel Insurance CU so 39 01 15 Inriudes copyrighted metesial of Insirance 88rAces Office,Inc.,wrth As permis�lan. Page 1 at 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 Govemment by coercion. its exclusion does not apply to the extent that insurance is provided by a policy listed in the Schedule �r 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 GU 61 06 41 13 THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY. AUTO LIABILITY - FOLLOWING FGRM This endorga,menl modifies insurance provided under the folow1w- COMhiERCtA,L UMBRELLA COVERAGE PART 1. The following exclusion is added to gftaon I'V, .EXCLUSIONS: This Insurance does rwcA apply to-. Arty liabitiky arisiN out of the awr*rship, mairrterwnce, use or entrusUnerrk to others of any 'auto.' Use includes operabo t and 'foaling; & `vnloadinq This exdusim apP{is auan if the darns against any "tnsurecr allege riiegligen e or o#)er wrongdo ng in tle superyision, hiring, errvtoy ment, traanfng or nwibring of others by tttat "Irisured"_ This excluslort does not apply to the extent that Insurance for such IlaNlity Is pro+nded by a policy listed in the Schedule of underlying Insurance, artd For no broader Quyerage than is pr€yide5d �} such .ofir 2. Paragraph B. ur�,der 5ectiw V. QEFIfs(tTi[}MS i� replatad by the f�tirnvirtt�_ i� 8. "Auto" means an auto as it is deflned In the applicable °undwlying insurance". This endor ement does not c"We any meter provision of the poky. Q 2012 Lit*w4y Mutusl Insurance CU 61 06 01 13 includes oopxyrighbed mst�erisi of Insurances Seruxas Ofte,ine.,with 9s perrnisalon. Page 1 aF 1 CU 61 15 07 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 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: I. 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 so 00 10 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY, WASHINGTON CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insuranoe provided under the Bing- COMMERCIAL UMBRELLA COVERAGE PART EXCESS LIA81 LITY COVERAG5 PART 1. Condition, D- Cancellation under See-on Vl- Cond�tiorks is refaced by the falkywing: D. Cancellation 1. The first Named Insured shown in the Ndarations rtla c-anc*l ibis poricy by notifyIN us of the [n%rrance prodAmer in -one of the foftwing waya: a_ Written notice by mail, fax or �-mait, b. Surfw)der of tfie policy of blnder; or c. Verbal notice, Upon reCajpt of sjj(;.h nQjjcq, we will cancel this policy or any binder is-sued as evidence- of covefage, effec:tive on the tater of the following-. a, Thy date on which notice is reoeived or the policy or binder is surrendered', or b- The date of cancell tirxr requested by the first Named Insured We may canal this policy by mailling or delivering to IM first Narwd Insured and the rlmt Named Insured's 9qW or broker written notice of canceMtion, incfudi N- the actual reason for the cwceqation, to the last mailing address known to us, at laasL a. 10 days before the effective date of cancellation if we car c*1 for nanpaywient of P(WiLlm, Ex 156 45 days bafum the effective data Of Canc0latib(I if %Fr8 cancel far any other faanorr. We milt also mail Or deliver to any mortgage voider, *dgee of other person shorn 0 this pofiuy " haye an interest in any loss which may oar r urger this poli-vy, at their la5l imailirlq address kre&,Yn to us, written notice of cancellation, prOf to the effectlye date Of c8mecation. phis .-9 notice wAl be the same as 1hat mailed or delivered to the first Named IF19LJFedl- 4, Notice of Cancellation will State the Off9CtiY8 date at cancelfation- The policy pBwjod will end on that date, If this p.(;gicy j5 cancelled, we will se n the first Named Insured any prervii rn refund d ue- II we cancel, the refund will be pro rats. If the fiat Named Insured cancels, the refund 41 be at least 9G% ven if we have not made or . , of the pro raga refund. The cancellation will be effect e offered a refund, 6, If notice is mailed, proof of rna-OiN vyiN be &ufficient proof of notice, 2. The following Condition is added tQ 5ectilon VI. Conditions and 5uiperWder- arty preyisjoin to the con- vary: Novirenewal 402010 Likyarty Vatual Insurance C(:in�any.All rids reservad, Page I of 2 CU 61 90 08 10 inciudt3s copyrighted matertel of Insuranae Services OMc--,Inc.,with 43 perrulsalon. 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 clearfy 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. 02010'tlber'tf RRUtu2'fAurance Company.All rights reserved. CU 61 90 08 10 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 2 of 2 CU $344H97 TH18 ENDORSEMENT CHAKOES THE POLICY, PLEASE READ IT CAREFULLY. FOREIGN LIABILITY - FOLLOWING DORM Tho folic vmi g excfusion is added to Soction rV - EXCLUSM)NS; E Arty `badify injury,' "Ptopedy damage,` 'pet al injury," or "adwartising injury* vihi i Occurs outsida the Flailed States of America, its terriiones and pm-essior►s, Puerto Rico, or Canada, except to the extent that such inrsuranco is proyiderd by a policy rest,ad in tha! Srfaiu#a of Ui' erfying Irtsutanco, and for w broader coverage thar► i3 provided by such p0ry, This endotsem?erit does not change any other provision of the pdicy, r..o ■■ems f'1 t a] AA r�.A 07 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 following: 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 "fungi" 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 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 93) THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY, WASHINGTON ASBESTOS EXCLUSION Exclusion N, is deleted from Section Ill: -EXCLUSIONS and Is replaced by the foll�o ng: Any habil tty, lwlurling, but not kirnited to settlements: judgments, costs, charges, expenses, cats- of inves- -...r. tigatiw5, or the fee, Qf attgrneys, experba, or consuitanta arising cut of or relwted ir► arty vmy. either dry or indirectly, to �F 1, the inhalator,, ingesticn or proloNed pltiysical exposure to asbestos orgoods or products containing asbestos; 2, the use of asbestos In constructing or manufacturing any good, product or structure; 3. tNe reel of asbestos from any: good, product or structure or 4. the manutad re, sale, transportation, storage or disposal of as�eatcs or goods or prudwts containing SIMasbestos. tT This endorsement does not change any other prowislon of the poficy. CU 64 32 03 49 Page 1 of 1 COMMERCIAL UMBRELLA CU64790509 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. ,iis 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 CU 64 BZ QT 14 THIS ENDORSEMENT CHA14GES THE PGUCY. Pi.1="EREAD IT CAREFULLY. AMENDMEMTi - ELECTRONIC DATA This endormawt modifies insurance prcyided udder the following.- COMMERCIAL UMBRELLA COVERAGE PART �•�.�•. A. The foiiowirbg exdusfw is added to SA cOion IV. EXCLUSIONS. �e This insurance does not apply to' Damages ads6ng out of the loss of, toss. of U.%e of, damage to, corruption of, inability to acres, or ir►abiky to nlartipuratl "el601Y06e d31a'_ This axcluvsiw dio&s riot apply to liabilAy for daerieget because of "bcodlily injury", but only to th+e extent that insurarx e is prov deed for sucti damages by a policy Est-ad in the S&edule Of Und6dYineg Insurance, and for no b4,08dar rnav4faga than is pWr>- video try sUcli policy. B_ S+ n V_ [];1C WTIQNS is armnded as follows 1. Derfinitiion M. is tB'Pfaced by the folfowing_ M. 'Property damage" moans,. 1. physical injury to t"ble property, incfudirmg al resultng Io s of use of that property. All such ress of use snug be deArrrad to c=r at M time Of thO Physical injury tt at ceus8d it 4r 2, logs of use of tar�gg je property thal is not physically irvjured_ All suarh Irsss gf use shall tag deerrwed to occur at the time of the "occurrence" that caused It For the purposes 4Df this insaararce, `electronic data; is r*t tangible property, 2 Far 11- purposes of 1his endorsement, the tollcywing is ad d- `Ereutronic data' means. information, facts ot pm�yrafns Mixed as rir on, onaalod or used on, or transmMed to or fFtxrp computer software, including systems and applications software, hafd or fi*Vpy disks, CD-RWt, tapes, drives, CIfs, data procoe sir}g MvicAs or any tolher Madia which an-; usoad Mth electronically ccaitrolled equipcnent, This endkirserrbent does n;at charge any other provision of the pclfcyr, 2014 t_ibarty MUCLA Insiranoe,All Nhts raser.�d. CU 64$2 07 14 Includes copyrighted rnare6;0I ref Insurance$ervjCt$Ql ire,rnc.,+xilh ids perrnis3ion. Page 1 of 1 CU 64 87 10 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ECONOMIC OR TRADE SANCTIONS CONDITION ENDORSEMENT The following is added to Section VI -CONDITIONS: Economic or Trade Sanctions If coverage for a claim or suit under this policy is in violation of any United States of America economic or trade sanctions, including but not limited to, sanctions administered and enforced by the United States Treasury Department's Office of Foreign Assets Control ("OFAC"), then coverage for that claim or suit will be null and void. This endorsement does not change any other provision of the policy. CU 64 87 10 05 CU "92 01 13 THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY, MOBILE EQUIPMENT - FOLLOWING FORM This endorsomerit njodilies insurance priYvidad and'ac tho fallowing: COMM ERC At_ UMRRFLt.A COVERAGE PART 1. The fodlowingi exolu5+nn Es added to Sec ifgn IV. -EXCWSIONS° ! This in;&ufance does rmt apply ta: Any IlabAltyr for or arlsing out of the owrwership, rnaimenance, use& ot entrlpstmiRilt t ► o e of any men= "mobile egtAipmenC. U�se inuludeE.i oper$tior and 'loaxlirrq' 4r 'unbadin�, ", This exclusion apQlie!� even if the claims against any "lnscrerf allege rwegligence or other wrongdoing it the supefvislon, hiring, eWfgyrnent, trainiN cr n-*cilarirKj of otfbers ter the 'Insured", This extiLtsiw does not apptty to the extent thrat insurance for such liability is provided by a paliay listed ' it tlhee Schedule of Underlying Irtsurance, and for no broader coverage than is provided by such policy 2, Pararaph I. under Section 1f_ DEFINITION$ is replac d by the fnllcwing- I, "Mobila etluiprnont" rneans mobile equipment as it is defined in tho applicable 'undorfying insur- ance", This endorsement does not ohangP any other pmvisiart of the policy. S 2012 Liben/Mutual insuramxe CU 94 92 01 13 indudas opyrighted rrraterial of lnsjjranr�--Semr-as C Mc-,Inc.,with its perrnisalen. 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 Off 15 THIS ENOORSEfMfENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY, EXCLUSION OF PUNIT1VE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM RORISM This endorsement n-bodifies insunce provided under the following; COMMERCIAL UMBRELLA COVERAGE FORM A. The followutg exclusion Is add�1_ This insLfance dog not ap* to: TERRORLSM PUNITIVE DAMAGES banuges arising, directly rir indirectly, out rA a 'cerlifted act of terrnrisrn' that are awarded as punit}ve damages, 8, The follgWincg definiiban is apdded= i "Cortiried act of terrarism' maarss ars act Itsat is certi6ied by the Secretary of the TfeaSury, iin accordance with the provisions of the feral Terrorism (disk fnsUran� AcI, to be an act of tefroriSM. pursuant to such Act. The cni ria ccntained in the Termrisrn Risk Insurance Act for a `tartifiad Ad of terrtxism' include 11'* folloyAnq 1_ Tie act resulted in in!aweci losses in exc.,e of S-5 millim ir► the aggregate, attdbutaWe to ail types of Insurance stih t to the Terrorism Risk Insurwee Act: and 2, The act is a violent act or an a+rt that is dangerou3 to humarR life, property or irftastructure and is commitbad by an iridiyidual ar incWiduals as part of an 2ffart Ire c(-06r0e the civiiari p npufation of the United Mates cw to iriftuence the pdicy or affect the canducz of the United Statf, Govcr7 n,Ant by ccer _ C, The terms and limitations of any terrorism excluslorR, or ttw Inappllcabillty or Omission of a terrgri5rn exclusion, do rant Serve to Queate Quvere.cde for injuryr or (Jaw9e that is C)terviiise_ excluded under this pollcy. This endorsement does rw)t char-e any o er provision of the policy, t� 201§Liberty Mutual Insurance Ct1 65 as 01 15 Imdude3 c pytighted rtiatellal or Ir,1surar)�Serv{cc err e,Inc.,with as permis;ion, Page 1 1 COMMERCIAL UMBRELLA CU88011202 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 88 114 07 14 THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY. PROFESSIONAL SERVICES EXCLUSION This endarsement rriodities insu<ran a pravided undor the tn,llcrwirtg: COMMERCIAL UMBRELLA, CGVERAGE PART The fo3owing exclusion Ls added to 5ecAion W. - EXCL.ItSMS., This insurar7ca does rnat app#yr to: "Bodily mluryO, 4property darnageF, `personal injury" , `adv,& Jnig injury,* of "personal and advertising injury' mouse i;rr the rendering of or failure to render any prvfessiorral gerviQe. This includes but t not hmited w. 1, Legal, acc4iJnbrug or advertsincg services; I Preparing, approviN, or Wing to prepare or appr map$, dr-awiFt45, Wini0n$, reports, surveys, rhanige ora;ers, designs or speeirricatiorxs; 3, Supervi%ory, inspeclion or eNlneefiN services; a®E 4_ htedio3l B r [cal, cbent8l, x-ray or nursing 5eNioeg treatment, adv or instr-Q .0 & Any health ar therapeutic service trlaatzriertt, ac#vine or instrUcbm-, & Any service, treatrrtem advice or instruction for the purpose of appearance or shin enhance- ment, hair removal cw replacement cr personal tgrotminq- 7. Optometry oar optical or bearing aid !emices including tI)e pres&birig, preparation, fnng, dectxoatstratir}n or distributi r of op#tth;a[unic lenses and similar products or hearing .aid devices; 8, Body pierelN sapilces; and rvlces in the practice of pharmacy. This exclusion appiies evert if the %fairns' against any "Insured" alike ne�gliqeni;,— Or er' wrongdoing in tht, supervision, hiring, errtpkryment, training or n-�onitadng, of otthtrs by that 'Inaur,-d", if the 'Gicourr n ", %rffen5e" ix other act, error or omission imc ed the rznderirtrq of or failure to realer any professional service. Tits endorsement does not charge any vthnr provision of the pollgy, 0 2014 Liberty Mutwg inssnee.AN tights reseroad. CU 88 04 07 14 Includes cr)Vyrightsd material of Insurance Ssr,+icc Office,irtc.,.with As perrnissian, Fag+>r 1 of t 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 011ce,with its permission Page 1 of 1 COMMERCIAL UMBRELLA CU 88 31 05 09 THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ}IT CAREFULLY.. PERSONAL AND ADVERTISING INJURY - FOLLOWING FORM This endorsement rrvcldit'ies insurance provided under the foflovµing; CGMtMERCfAL UMBRELLA CQV'`RA(�E FART �® A. SECTION 1. COVERAGE under the INSURING AGREEMENTS is repraced by the follovAng: 1. COVERAGE A. we will pay on behalf of it►e "Insured" those surrks in, excess of the "Retained Limit" that the "Insuro-d" mcomos legally obligated bo. pay h3' reason of liability imposed by law of assurmad by the 'Insured" under an "insured contract" because iDf "badly injury" "prwerty damage' or 'personal and advertising injury" lo, whi& this irvsurance applies_ The amount we will pay for damages is limited as described iici the INSURING AGREEMENT, SECTION II. LIMITS OF E SURANCE. No other obligation or liability bo pay sums or perform ants or sarntksg is covered unless explicitly provided for under SECTION III, DEFENSE, B. Thia inwranrce applies tq: #1 1: '80dily anjur( or 4PMpOrty damage" only it tvlE a. The "bodily injury" or'properiy damage" occurs during the Policy Pericd; and b, They "tidily injuryy' or 'property darrwge" is caused by an "a-,=rrenofe' happening anywhere: and c. Priw to the ftlicy Period, no `Insured" listed under paragraphs IA., 2., 3, or 4. of dehriition F. under SECTION V. DEFINITIONS, and w employee authorized by you to give or receive notice of an "occurrence' 4x "ciairn", knew item the "bodiitr injury" or 'property damage' had ocurmd, in whole of in part. If such a listed nasuted" or authorized employee knew, prior to the Policy Period: that the "bodily injury' or 'property damargo* occurred, then any continuiabon, ctmnge or nesumptw of such "bodily injury" or 'property damage' during or after the Policy Period wit be deemed to have boon known prior to the Poky Fleriod_ 2. 'personal and advertising injury* caused by an "offense' arising out of your business but only if the 'often" was comrr}itt cl during the Policy Pefiod. C. "B+orilly Injury" or 'property damage" which occurs during the Policy Period artd was not, prior to the FDli4y period, known to have 4ccurnsd by any 'Irtsured" Ii3ted under paragraphs l.e_, 2„ 3. or 4, of defirrItion F. under SECTION V. DEFINITIONS, or any employee authorized by you to give rr receive notice af an "oc=rrence' ar 'claim", includes any ciontiniation, change or resurnptiron of that "bodily Injury or 'property damage" after It* end of thre Policy period: C. "Bodily injury' or "property damage" WW be deemed to have been known to have oemi—red at the sarliost tirrve when arrf "Insured" fttsd ijrrder paragraphs 1.a., 2., 3. or 4, of defrri6on F. under SECTION V. DEFINITIONS, or any employee authorized by you to give or receive notice of an'cccurrawe" of'ctairrr': 1, Reports all, or any part, of the "bodily injury' or 'property damage` to us or any Nhff inasurar 2. Racemes a written ar verbal demand or "clairn" far damages because of "bodity injury or "property dan-tage or 3= Becomes aware by any other means that 'Bodily U-1yury' or 'property dawtage hA8 oc- cur-red or has begun to occur, E, Damages. mr-ause of -bodilly injury' include damages daimed try any person or organizaU ors €oar care. loss or services or death resulting at arty time from the "bodily injury", *2010 Lb-arty Muluel Irtsurarwe Cantpany.All rigM reserved. CU 88 31 05 09 Includes apyrighted maws] of InsurancesServ`eesO tl e,Inc.,with its perrnlsairn. (gage 1 of 4 I3ya .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 1. 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 11. 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 B.I. 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. V2010 Liberty Mutual Insurance Company.All rights reserved. CU 88 31 05 09 Includes copyrighted material of Insurance Services Office, Inc,,with its permission. Page 2 of 4 (fi) 'bodily injury' or "property damage' Sustained within a building and caused by the ruse gases, fumes or vapors from materlals brought Into that buildlog in eannedon with Operations being perfarrned by yeu or on your behatf by a contractor or 5ubcontraclor- (7) Fuaks, lubricants, fluids, exhaust gases or other sirrulaar "ptrlll Cants" that are needed for dt result from the normal etectricarl, hydraulic or mechanical functioning Of an "auto" covered by 'scheduled underlying insuranca' or its parts, if: (a) The "pollutants' e��pe, seep, migrate or are disGharged, dispersed car reused directly from an 'auto' part dr3signed by it$ Manufacturer tO 1`10kl, store, recaive ar disPOse of such 'polu- tacts and N The "bodily jury" or "property damage, does not arise out (if the operation of any eOpment listed in paragraphs &b. and 6.c. of the definition of "mottle equip s{. (8) "Occurrences" that take place away from premises owned by or re€aGed Co sin `Inured" with respect to 'polutarlts" not in or upon an 'auto' coverM by "underlying insurance" if` Ray The 'polutants" +x any property in which the "pollutants" are oontained are upset, oveMmed or darmagad as a result of the maintarance or use of an 'auto' coveted by 'undatlying insur- ance"; and (b) The discharge, dispersal, seeppgo, migration, release or esc2ps of the "pollutants" is Caused directly bar sateh upset, overturn of damage. However, the exceptions t4 this exclusion L. in paragraphs (1), (2), (3), (4), (5). (16), (7) or (8) above apply only to tt-e extent that insurance is affordeod for such "bodily injury,' or "property damage" by "underlying insurance". Provided, horrever, that the coverage afforded by this policy will be no broader than the coverage afforded by such 'underlying insurance": Regafciles,,s of the extent of "undertying insurance', none of the excepti ms to this exclusion L. in paragraphs (1), (2), (3), (4), (5) or (if) abom apply with respect to 'bodily injury or `propoaEtyr damage' arming out of the -actual, alleged or threatened discharge, dispersal, seepage, rni�ation, release or escapa or 'pollutants (i} At of from any prerrs ses sit or #motion which Is or was at any time used by or kx any 'Insured` or others for harrdEng, stowage, disposal, proces5ing or teatment 4f waste; or (ii) ywi& aria or yrarie at any time transported, handled, sbared. treated, dispo"d of, rW p=AS50d as waste by or for any 'Inured", or any perm or Organization fist whams you may be legally re%Pw- Sible, car (ill) At or from any prerrvism site or location on which any Insured" or any contracloq-s or subawntirao- lets working directly or indirectCy cn any "lnsured's' behalf are, performing 4petations if the tP&t- at ws are to test for, monitor, dean up, rernove, contain, treat, detrxxify or neutralize, or in any way respmd to- cx assess the affacts of. *pollutants . Paragraphs 2. of this exclusion L.does not apply to Ilabliity for damages because of 'property dan7age" thst the 'Inured' wou¢d bave in the absence of such request, dam-and, order or statutory or rogu4tory requirement, or such claim or `suit" by or on behalf of a governmental autborlty to the extent that inscrranca is affarded for such damages by 'U fertying in6Urarwe. €'rcrtidedp ttcwf,-ver, them the r�u- wage afforded by this policy wig be no braader than the coverage affoirded by such "undedying insur- arw. "- As used in this exclusiirin: "Hostile fire' means one which beoormes uncontrollable Or breaks out from where it was intended to be. "Pdlutartfisi" mear►s airy �rlid, liquid, cgaseoous or thermal irritant or rontarrlinant, incl�dmg, but not gmited to, smoke; vapor, soot, fumes. acids; altkalis, chemicals and waste material. Waste material includes materials which are intended to to or heve been riled, reconditioned or reoiairned. This andon;E rir ar nt does not change any Other provision of the pbticy- ID2010 Lbarty Mtutual hnsurarce Company.Atl rigNs raswwed. CU 86 41 02 10 indudes copyrighted msterist of Insurance Servvaes Offlo-P,lac.,mth 03 permis1310n. Page 2 of 2 COMMERCIAL UMBRELLA CU 89 19 01 13 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 awn or rent. This endorsement does not change any other provision of the policy. 2012 Liberty Mutual Insurance CU 89 19 01 13 Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 1 of 1 COMMERCLAL UMBRELLA CU 89 21 07 15 THIS ENDORSEMENT CHMOE8 THE POLICY, PLEASE READ IT CAREFULLY. AMENDMENT OF AIRCRAFT EXCLUSION T'hss endorse mert modifies insurar�oe pfovv ded under the f040wring_ COMMERCIAL UMBRELLA COVERAGE PART Pt6vigine 1 of paragraph Q. under Section I1f. EXCLUSION& is replaced by the fc4lowing, This Insurance does M( appt} to: 0, The following items 1, through 4,., eft to the extent that such ipsurarre is provided t)y+ a PO" listed in the ecir�le of tJndsrtying insurance, and for no broader c Merage than it prx5vid d 'by itch policy-, 3, "Bodily injury" ar "pruperty damage" arising cut of the ownership, maintenance, u*e or en- mama= tr~.,stment to others of any aircraft!, it such aircraft is owned or oparatad by or rented or foaned ON wow to any "fnsured�. U includes opera*),, and 'loading* or 'unl�d ng This ex�lu + applies evan if the claims agaiinst any "Insurad" allege n4igame �o1�r Yrrix�00irag in tide superai- sign, hiring, empfoyment, training or nwnitoring of others try ttte "Insured`, This endorsement does not charge any ot1her provision of the poles, �* 23t5 Liberty Mutual Insurance CU 89 21 07r 15 Indudescopyrighted matertsl of insurance Serw-es�Jtilce,tr u►th ds pennlsslon. Pam 1 4# i y 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. 2014 Mutual CU 89 45 10 14 Includes copyrighted material of Insuurance ServicesInsurance. Of ce Inc.,with its permission. Page 1 of 1 PYn9