HomeMy WebLinkAboutCAG2020-110 - Amendment - #2 - GeoEngineers, Inc. - Signature Pointe Levee 30% Design Services - 10/04/2021ApprovalOriginator:Department:
Date Sent:Date Required:
Authorized to Sign:
Director or Designee
Date of Council Approval:
Grant? Yes No
Type:Review/Signatures/RoutingComments:
Date Routed to the City Clerk’s Office:Agreement InformationVendor Name:Category:
Vendor Number:Sub-Category:
Project Name:
Project Details:
Agreement Amount:
Start Date:
Basis for Selection of Contractor:
Termination Date:
Local Business? Yes No*
Business License Verification: Yes In-Process Exempt (KCC 5.01.045)
If meets requirements per KCC 3.70.100, please complete “Vendor Purchase-Local Exceptions” form on Cityspace.
Notice required prior to disclosure?
Yes No
Contract Number:
Agreement Routing Form
For Approvals, Signatures and Records Management
This form combines & replaces the Request for Mayor’s Signature and Contract Cover
Sheet forms.
Visit Documents.KentWA.gov to obtain copies of all agreementsadccW22373_1_20
Budget Account Number:
Budget? Yes No
Dir Asst:
Sup/Mgr:
Dir/Dep:
rev. 20210513
FOR CITY OF KENT OFFICIAL USE ONLY
(Optional)
* Memo to Mayor must be attached
AMENDMENT - 1 OF 2
AMENDMENT NO. 2
NAME OF CONSULTANT OR VENDOR: GeoEngineers, Inc.
CONTRACT NAME & PROJECT NUMBER: Signature Pointe Levee
ORIGINAL AGREEMENT DATE: April 7, 2020
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:
Provide additional design services for the project. For a
description, see the Consultant's Scope of Work which is
attached as Exhibit A and incorporated by this reference.
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,
including applicable WSST
$515,923
Net Change by Previous Amendments
including applicable WSST
$0
Current Contract Amount
including all previous amendments
$515,923
Current Amendment Sum $58,910
Applicable WSST Tax on this
Amendment
$0
Revised Contract Sum $574,833
Original Time for ComPletion
(insert date)
t2t3u20
Revised Time for Completion under
prior Amendments
(insert date)
t2t3u2t
Add'l Days Required (+) for this
Amendment
o calendar days
Revised Time for ComPletion
(insert date)
12l3ll2t
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
ait<nowledges 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:
By
Print Name:Lvl e Stone, PE, GE
Its Associate Geotechnical Engineer
(titte)
DATE:9130/202L
CITY OF KENT:
By UJ B.-.^
(signature)
Print Name:Chad Bieren P-E.
Its Public Director
ta/4/2t
(tiile)
DATE:
ATTEST:
Kent City Clerk
APPROVED AS TO FORM:
(applicable if Mayor's signature required)
Kent Law Department
GeoEnglnee6 - Slgnature Pointe 3 Amd 2/Leyrer
AMENDMENT-2OF2
1101 South Fawcett Avenue, Suite 200
Tacoma, Washi ng[,on 98402
253.383.4940
CONTRACT AMENDMENT
CITY OF KENT
SO.PERCENT PS&E PACKAGE
SIGNATURE POINTE LEVEE
KENT, WASHINGTON
AUGUST L9,2O2L
F|LE NO. 0410-17$09
INTRODUCTION
GeoEngineers was authorized to advance 3O-Percent Design, Specification, and Engineering Documents
for the Signature Pointe Levee Project on April 7, 2O2O. ln order to advance the project the City has
requested that some out- of- scope items be included as part of our services. Additionally, there were some
tasks that will require additional effort based on changes requested by the City and County that are
addressed. The following is a summary of the additional requested effort. An estimate in terms of hours
(fee estimate) is included as an Attachment.
ADDITIONAL SCOPE OF SERVICES
I Provide traffic control services for routing pedestrian traffic on the Green River Trail around the
work zone during subsurface explorations. GeoEngineers will retain and coordinate a subcontractor
duringsite explorations. Subcontractor will develop a traffic control plan and will provide equipment
and personnel to implement the traffic control plan.
I Provide utility location services in support of City of Kent Survey. GeoEngineers will retain and
coordinate a subcontracted private utility locate services to identiff and attempt to locate private
utilities within the Signature Pointe Apartments.
r Perform geotechnical investigations and provide geotechnical analysis for South 251st Street
realignment. Our services will be in support of roadway design provided by City of Kent.
. Perform test pit explorations with subcontracted backhoe and operator. We will excavate up to
six test pits. Test pits will be logged and monitored by an engineer of geologist from our firm
who will collect samples as appropriate.
. Perform Pilot lnfihration Tests (PlTs) in two of the test pits. PlTs will be performed in general
accordance with King County Stormwater Management Standards as adopted by the City of
Kent.
. Provide infiltration analysis from the results of the PlTs, includin$ design infiltration rates.
GroEratn EER;O
GeoErucrn EER;J/
EXHIBIT A
City of Kent August 19, 2021 PaCe 2
r Advance an interim set of plans for permit applications. GeoEngineers will provide a separate plan
set prior to development of the 3O-percent plans for use. This plan set will include additional detail
on limits of ground disturbance, existing riparian vegetation, and proposed riparian plantings both
above and below the regulated floodplain.
I Revise and/or perform additional drawdown analysis of proposed levee sections' This change is
required due to the differences in design standards established in the Project Charter (USACE
Levee Design Standards) and the design standards established in the applied to the ll-A (King
County Levee Design Standards).
I Revise project site grading to changes in levee aliginment and profile required for changes related
to adjustments from the revised drawdown analysis.
I Develop additional grading of riverbanks to incorporate habitat benches. We will provide
preliminary grading for three locations along the levee ali$nment and in the Mullen Slough area
downstream ofthe current project extents.
Assumptions
r Assumptions listed in prime contract will apply to this budget amendment.
Schedule
I The work will be completed in line with the original contract timeline.
US:tt
Attachment:
Fee Estimate
Disclaimer Any electronicform, facsimile orhard copy ofthe original document (email, text, table, and/orfiguo, if ptovided, and any attachments are only a copy
ofthe odginal document. fhe oilginal document is stored by GeoEngineels, lnc. and will serue as the official document of record.
Fi'e No.0410-175-09
GroErcrn EER;J/
Fee EstlmateSlgnature Polnte Levee;3GPercent PS&E - Budtet AmendmentKent, WashinEltonFeEtilmrtc$2.ffic5 59a$7,5O2s7,3S$14540$7,652$1:t.602s5a-910s47.460s11.050354.910Toirl HouE442452a95590fak &maEd FeDlFst Exp.MandSubowltr0tt32 1m$5,Om$3.490SuDDoi(Y.dos)lnduddGlS2222334GAD Dalgrq(Haunrnlilrn; Y$loutl364050GID MurEcr(Chd SU.rGl)4L4Scnlor Blologbt(D.vld Conlln)610St tf2GotcdMhrlEnCn@r(V.rlour)nu[i6n36Si.tt 3Gcot .finlElEtrCror (Vrdour)2245610lsodrtc (LylcStonr)naEhouE2410a16frd( D.ghdontuid.TEtrn btrhly LMion Seili6Pond InvestiCationd F$an.Arnd SrhnqrhadsFllo No. 041S17S{tGeoExeweealQ
Client#:326119 GEOENINC2ACORD" CERTIFICATE OF LIABILITY INSURANCE
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
'TRTIHCATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
4LOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
COVERAGES CERTIFICATE NUMBER:REVISION NUMBER:
DATE (MM/DD/VYVY)
6t23t2021
IMPORTANT: lf the certilicate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.
lf SUBROGATION lS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on
this certificate does not confer any rights to the certificate holder in lieu ol such endorsement(s).
Please See Below:
206 441-6300 610-362-8530
.comSeattle.
INSURERISI AFFORDING COVERAGE NAIC #
PRODUCER
USI lnsurance Services NW CL
601 Union Street, Suite 1000
Seattle, WA 98101
tNsuRER A . Hartford Fire lnsurance Company 19682
tNsuRER B . Hartlord Casualty lnsurance Company 29424
INSURER c: Hartford - WC Multiple lssuing Cos 00914
INSURER D :
INSURER E :
GeoEngineers, Inc.
17425 NE Union Hill Road, Suite 250
Redmond, WA 98052
INSURED
INSURER F r
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVEBEENISSUED TOTHE INSURED NAMEDABOVE FORTHE POLICYPERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITIONOF ANY CONTRACTOR 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.
INSB
LTR TYPE OF INSURANCE tn POLICY NUMBER LIMITS
A X COMMERCIAL GENERAL LIABILITY
.LATMS-MADE fil o..u*
GEN'L AGGREGATE LIMIT APPLIES PER:
POLICY
OTHER:
PRO-
JECT LOC
AUTOMOBILE LIABILITY
X ANY AUTO
OWNED
AUTOS ONLY
HIRED
AUTOS ONLY
SCHEDULED
AUTOS
NON-OWNED
AUTOS ONLYxX
X
X X 52UUNOL5662 ,6t30t2021 06t30t2022 EACH OCCURRENCE $ 1 .000.000
DAMAGE TO RENTEDPRFMISFS 1Ft ..^rrrren.e\s300.000
l\4ED EXP {Anv one Derson)s 10.000
PERSONAL & ADV INJURY 01,000,000
GENERAL AGGRFGATE s2,000,000
PRODI,JCTS - COIViP/OP AGG s2,000,000
$
X X 52UENOL5663 ,6t30t2021 06t30t2022 s1,000,000
BODILY INJURY (Per person)$
BODILY INJURY (Per accident)$
$
$
B x UMBRELLA LIAB
EXCESS LIAB
X OCCUR
CLAII\iIS-MADE
X X 52XHUOL5664
(Follow Form)
)613012021 0613012022 EACH OCCURRENCE $3.000.000
AGGREGATE s3.000.000
DED X nrrulilor s10,000 $
c WORKERS COMPENSATION
AND EMPLOYERS' LIABILITY Y/N
ANY PROPRIETOR/PARTNER/EXECUTIVE l-oFF|oEF/MEMBEREXCLUDED? tNl(Mandalory in NH)
lf yes, describe under
DFSCRIPTION OF OPFRATIONS bAlow
N/A
X 52WEOL6H8D
lncludes:
StopGap/MEL/USL&H
)6t30t2021 06t30t2022 X PERATATI I?tr OTH-tra
E.L. EACH ACCIDENT s1 .000.000
E.L. DISEASE. EA EMPLOYEE s1 .000.000
E.L. DISEASE. POLICY LIMIT s1,000.000
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if mor€ space is required)**Please Note: The limits shown above may not represent the full limits of coverage carried by the Named
lnsured, but are shown as evidence that coverage is carried with limits at least as high as is required by
contract.**
RE: GeoEngineers Project No. 0410-175-08 - Signature Point Franchise Agreement, Kent, Washington.
City of Kent is Additional lnsured, coverage is primary and non-contributory and waiver of subrogation
(See Attached Descriptions)
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
ACCORDANCE WITH THE POLICY PROVISIONS.
City of Kent
220 Fourth Avenue South
Kent, WA 98032-0000
fu*a. fu*^-
AUTHORIZED REPRESENTATIVE
ACORD 25 (2016t031 1 ol2
#s32441 963/M324391 76
@ 1988-2015 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks ol ACORD
MYPZP
DESCRIPTIONS (Continued from Page 1)
as respects General Liability and Automobile liability if required by written contract per attached
Umbrella Liability follows lorm
)
)
SAGITTA 25.3 (2016/03) 2 ol2
#s32441 963/M324391 76
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COMMERGIAL GENERAL LIAEILITY f,SVERAGE FORII'I
Varinus pratri*i*ns in this pdicy restrict soverag€,
Read th* entira poticy carefulty to detorrnino rights,
duties cnd what is and i* nct cavnrad.
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refsr tft ths lrlamed lns*rad shcwn in the
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8ECTION I. COVEBAGES
G*VERAGE A BGDII.Y II.I,'URY AHD FRCPERTY
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apply. Wa may, at oajr discrellon, investigate
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{U Tfrs fiflflsunlt ri$e mill pay fnr dnmages i*
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Paymenk - Caverages A and 8.
b. Thix insur*nc* spsll** tp "bcdity inJrrry" cnd
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(3) Priw {o the pcfky pariod, m lnsured li*ted
under Paragrapl"l l. sf $ectlcrt ll - Wh* ls
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{*} Liability [* such pady far, ar fcr the
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agaiftsl a elvll 6r filternative dioputo
re*dulion proceeding in vrhich
darnages ts whieh this irtsuranse
appllcs 6rs allegsd"
c, Llqu*r Lleblllty
'Bodily injury" or *property dannagen for lyhich
any insLlr*d nnay h* held liahle by raa*cn afi
{'l} Causing or c*n{nibutins to th* intoxleation
of any persr:n;
{3} The furnishir:g af elc*irolie beverages to a
pers*n under the tegal drinking egs ffr
under the lnfluence nf alcnhnl; or
{gl Any siatute, ordlnan*e or regulaticn
fslstl*fl t* the *ale, giff, dlxtribu{ion or uss
nf a lenhplic beverages,
This *xelusion sppfiss svgn lf the *taims
*g*1n*t any insur*d alleg* negliserlce or
flth€r vrrsnsdoing in:
{a} The supervisinn, hlring, ernployment,
tr*ining or rnonitorlng of *tlrers by that
insured; sr
{b} Providing nr feiling tn prwids
tr*nepcrlatian w:ith reepeci te *ny
person thal may be under {he lnfluenqe
*f alcnhot;
if *hs "*c4un*nca" whi*h reuged {he "bedily
injury" or "prnperty darnage", iwnlved lhat
which ir der*ribsd in Faragraph {1}, {:} or {3}
above"
However, lhis excluslon appties only if you
ar* in the busi*ess of rnanufaeturfng-
distrlbuting, selling, serving or furnishing
aleohalic b*vereg*s. For the purposes of this
exclr"lsion, pernitting a person is bring
ale*hCIlirc beuer*ges on your prennrses, {cr
eonsur:rpti*n 6n ytrur Frarfiises" whethsr sr
nnl a fee is charged ur a licens€ is requined
for such acthlty, i* not by i**aff enn*ider*d the
business of selling, seruing or fur*ishing
slc*hslic b€rierag*s"
d- ftlgrltem' 0ornpEnratlan And Slmllar *-*rls
Any obligation *f fra lnsured undsr a wsrksr*'
n*rnpensaticn, disab,ility b*nsfits nr
r.lnemplsyrnerlt eonnpens*tinn lsw sr any
sirnilar law.
e. Erv:ploye/* Llability
"Fodily injury'i*:
{'ll Ari "*mplsyes'af the lnsured arising out nf
arrd in the c.curse of:
Page 3 cf ll HG A0 01 0* ts
{a} trnplayment hy the insured; cr
(b| Pert*nring duties related to the
eonduct rf lhs insured'a bucin*se; cr
{!} Tt}s $pou$e, chifd, parsnt, hrrih*r sf si€t*r
nf that "er*ploye*" a$ f, csnsflqupnee cf
Faragraph {1} sbova.
This excfusion appties:
{l} Whethar the insured may he liable as sn
amployer cr i* any oth6r efipseily; end
(2) T* sfiy obligstion l* $her6 dem*g*r luith*r reFalt 50me0n€ else whc ffsst pay
d*magas bceauea nf lha injury.
This exclusisn dues not sppy tn liabiihy
assumed by ll'r* insured nndsr an "insvred
eontr**f',
f. Ppllutlsn
{'l} .Bndily injuny" or oproperty damageu
a$sing out of th* actual" alleg*d or
threatened discl'larqe, dispersal, seepag€,
mlgrati*n, releasa sr s$espe sf
'pol:lutantnt:
{a} At nr frnrn e*y pr*rnieesn :sits fir
luEati*n whieh is *r wae ai any tlme
owned nr ucaupied by, or rented 0t
loaned to, any insured. However, this
*uhpsra$naph dos$ fist Fppty t*i
{i} "Bftdlly Fnlury" lf xustained }#i*hin s
building and caused by smcke,
firrnes. ysp*r or scot pmduoed by
or wiginating frum equiprnent that
is u*ed t* h*at- ps*l or d*frumidifir
tFre buildinF, *r nquipmant that is
u*ed to heat water for personal
uee" by tha hultd3ng's ocnlp$ftt$ or
th*ir guests;
{ii} 'Bedily injurf or "pr,operty damflge"
for which yser rn*y he hald li*bls, if
ysu Hre a *entraetnr and ihe ssrfter
*r l*sss* nf sueh pn*mis.nc" EIte ar
lccatinn has b€en added io your
pcfiay a* an a$driirnal ins*rcd wiih
fespetl to yaur nngning Gpsrstions
perfonnad for that additicnal
in*ur*d *t thai pr*m[*a*, *ile *r
lccaticn and such prarflisss, site *r
iocati*n i* nryl en$ R€-v€r $rtss
owned *r eccupied by, *r rentad or
lganed la, any lnsured, other than
ll'lat €dditisnal insured; or
{l}i} "Fedlly inJury" or "pr*p*r,ty damd*&"
arising aut of hea| smrhe or fumes
fr*m s ''hosllle frra!;
{b} At 6r frilrn 5*y Frsfiis€'s, sit* 6r
locstisn whi*h is of wa$ at any tiff€
usad by or flor any lnsured nr otfiers fot
the handling, stfirsg€, dlsposal,
pro**ssing ur treatrnant of wasle:
{c} Whieh Brs sr war€ at any *inre
transp*rted, handled, storerJ, keal+d,
di$pos*d of. *r pr*e*ased a* wa t* by
sr fon
(il Potry irrsur*d; cr
{l*l Any per*sn *r organizaticrr {rr
whrrn y*u m6y b6 le$ally
nespnnsible:
{d} $,t sr frnfi eny prernises, site or
l*cation fin whieh sny lftsured or afty
contractn$s &r s*bc*ntractors w*rkir:g
dir€ctly *r indir*etly sn finy insr*radk
behalf are perfcnning operatirns [f ttre
'pllutants"' are broughl *n *r lc lhe
Bramise*, sils *r locati*n [n ocnneet]an
wilh su*h cperaii*ns by such insured,
eentractsr *r suhcrntr*ctor. l-.lowsvar.
this subparagreph does not Epply tol
{i} ''findily injury" nr "prcparg dnrnapeo
*rieing out of {he s*cspe of fuelr,
lubricants *r other *perating fluids
'*hich *ra needed lo p*rfnrrn tlra
nsr*-tal elenfricaf, hydreulic 0r
mechanical fuflstisns neressary frr
tlre operetion cf "r*nbile aquipnrent''
nr ils parls, if such fuels, lubricantrs
0r slhBr operating flulds eseape
frsm a sehicle part designed ia
hald, ntere cr r*ceir,s i.hern. This
exc*ptlnn d*6s fi*{ *pply ig lhe
"bodily injurt'' ar "prcperty darnagel
*riseE g{Jt of the 'int*r:tionxldischarge, dispersal sr r*.lsase sf
the tue$s, lubrieanis *r sth*r
op*ratinp {luids. nr lf slrch fuels.
lubrimnts *r other operating lluids
*16 br6$$ht on sr t0 tho pr*mls**,
site or lacatisn with the ifll*nl thst
th*y be di*ch*rgcd. diapemed or
released as pa* o[ lhe cperations
being perlcn'ned by suah inrured,
contrector or subcontractorl
{li} "Bodify lnfury" *r'proparty d&rn*Ss"
sustained within n building and
csusad by tha ralease 8f ga$e$,
fumes fir vapors fram materials
broughl into that buileling in
conneetion rnith oparations heing
pea'f*nned by ynu or sn ysur behalf
by s csntrsatnr cr auhc*ntraclar;*r
{ii*f "Badify injury' or'pnop*rty darnagao'
sr-jslng ftul of h6st, st1cke er furnBs
frrm a "hotlilc fir*"; or
(r| At rr fr*m any pr*mi$ss, sita sr
l*cstien on whish any ln*ured sr arly
contraf,lof$ or subtsntrEctor* w*rking
HG 00 01 0s lfi Faga 3 af 2l
directly ur indirectty nn a*y insured's
behatl are performinil op*rali*n* if the
operations ate io t*Et for, rnonitar.
elean up, rerilove, contain" treat"
de[oxify nr neutr*tia*, or lft afiy wdy
r*spond ln. or assess th* *ffects of,
"petlLrlants'.
{Z} Any l*e*. oost 6r *xpenss *rieing aut of
afly!
{a} R*quest, d*mand, srder or statutory o*
r*pulxtory r*qulrern*nt ttl*t afty
insured or oth*ns tast fsr. moniterr,
elean up, remov6. esntain, traat,
detnxify nr nsutraiize, or in arly wffy
respnnd ts, or agse$s the effeEts nf.
'pollut*nts'; or
{b} Cleim nr suil by or cn behalf nf *
g*rrennrnental aulhnrity f*r drr*ages
becau*g cf ls*t1ilg fer. mnRiirring,
*leanlng $p, remnving, conia8ning.
irexting. datoxifying or n*utnalieing, or
in any way responding tc, or assessing
the sffect* o{. -p*llil{anls".
F{*wevsr, !hi* peragraph do*s nnt apply tn
liability for damag*a beeause of 'prnperty
dar*ags" thgt the insur*d $ffiuld hav* in
the abe*nce of such rsqu&et, demard,
Prder or ststutorY sr regulai*rY
requir*rn*nt. or suefrr 6l*im *r 'xui[" by or
nn khaff of a governnnental autlr*rity"
g" A$rera& Auto Or WEter*reff
"F*dlly inlurf cr "prpperty da*rage:' erising
nut of *ha ovfiership, maint**ancs, use of
enlrnlstrngnt to *th€rs *f any aircraft, oau!** fic
wsteFcraft *$rned sr sp*r6t€d by or r*nt*d or
loaned to any insured" Use insludes operation
and "lnading cr unlo*ding".
This exclusicn appli** esen if lhe clalms
against any in*ured allege negligense Gr
oth*r wro*gd*ing ir'r lha sup*rviaicn, lrir,i'r$,
effiploymenl, trainlng nr rncni{oring c{ sthers
by that iri,surod, if ths '"pe*ure{18e" vrftich
*anssd tha "hodily injury" or "proB*rtydamage' involved tn€ o*rnership,
rn*intans*lce, rJs& sr enlru$trfi&nt ln othem af
any aireraft, "alrloo cr watercrsft that is nsrned
*r Fperuted by or r*flt*d or lsan*d ts eny
insurgd.
This exctusinn dses not apply ta:
{'l} A watercrall while gshore nn prenrises yor,r
cwn *r r*nt;
{2) A watercraft pu do not swn that is:
{c} Less'than 5l feet lsng; a*d,
{b} Nst bolng used tp cEry persons for a
Fharue;
{3} Farking ail "auto'an. br an lhe wa3s next
tn, premises y{iu own or rent, provided the
"aills" is fis* ownes by ar rent*d nr lsaned
to ynu ar {l':e lnsured:
{4} Llability assurned under any "insured
csnlrdct" {or ths ownsrahip. rnaintsnsnes
or use of aircraft or watercraft;
{5} .Bndily in[r:r;f frr .property dar*age"
ari*ing out ef:
{al The *paration of maehinary sr
equlpn"lent thal is attached to, or parl
sf, a l*nd vahicle tha{ would qualify
under the definition of "rftrbila
equipm*nt" [f it wers net ouhjeel t6 s
cnnrpul*ory cr financial responsibitily
law nr other motor vehia:ls insurgnse
Nxw whrre it is lleen*ed *r Brin*iFally
garaged; nr
tbl The nperalinn of any nf the rnaehinery
or equlpm*nl li$tsd Fn Paragr*ph f;{3}
or f.{31 nf the de{inlticn *f ^msbile
*quipnnent"; or
t$l ff alrcrafl urpt is not olEned hy *ry
insur*d and is trir*d. ehartered or loaned
with a pald craw. Hoy/sver. this exceptiorr
dnes nnt appty if the iflsursd has any n{her
ir:sunanr.e fer sucln "budlly lnjury" &r
"pr*Sariy dfirfisgs", tshsther tha *thsr
insurance is primary, sxsess, ao,ntinger:t
sr ofl Eny sthar basis.
h" trtlobll* €qulpsn*nt
"Erdily injury" ar "property darnage" arisirrg
$ut cf:
{1} Thn tr*nspartnlicn af "'mobjle equipmrnf'
by an "au!*" orrvned or operaled by or
renteet pr l*ansd to any Inaur*d;cr
{*l Thn use of "rRcb,lle equipmant" ifl, sr *ftils
in practrice for, or while being prepared fnr.any pr*ananged rseiftq, sF*6d,
demclition, nr stunting activity.
i. War
"Fsdily injury" *r 'property dannaqe". h*wever
carls€d, aiisifig, dirert4y cr indirectly, sut of:
{1} War, lncludrng urrdse{ar*d cr citrilw*r:
{2} Warllke action by a nrilltary fcr*e, including
a*tnn [n hindering or dafanding agxl**l an
artual of expected attack, by any
Sov*rnrnsnt" *overeign o{ r{hsr aulhmiLy
rlshg mililary personne[ or nther agant*;
or
{3} lnsurrectisn, rebellisn, revplulirn, usurped
powsr, or aetion taken by g*vernrnantal
authority in hin.dedng or def*nding Egainst
any ef th,a*e.
J. 9arltage To Prnperty
'Fraperty d*rnage'' lo:
Fage 4 of 2l H$00 CIl 0* t6
{1} Froperty yeu BwT'l! rent, ilr o6cuFy,
includlng finy cs$k cr*xpsnses lncunes
by yor.r, er any other person. organiaatiarror entlty, for repair, repFapernfint,
gnhaneaffi &Rt, r*staration ot maintanarine
ef cuch prrp*rty fer any reassn, incklding
Brevantlon of iniury tn a poreon *r damage
ta anathefs prcperty;
{!} Fremisa* yau *e!}, give *way sr sbsfidan,
it the "pmpafiy dan':age" er{86$ FUI of any
part of those premisesi
{3} Property lnaned to you;
{4} Fersana} prc,perty in ths rsre, euetody ar
eunirtl of the insured;
{5} Tf}Bt partlcular pail of real prap*rty rn
whish ynu sr 6try mntr&cl*rs 0{
eubcontr€ctpre
wodring direclly ar indirectly on your behalf
ars psr{anmlng *parations, i{ lhe'prop€dy
darnage" erises out oi those operations; ur
{6} That particular part cf any pmpenty that
me.rst be re*lored, repaired or replac*d
because *pur work" was innarrectly
psrform*d nn il.
Pnragraphe nl, {3} and {4} sf xhis e,xclucion
ds nst npply ta "property damaEeo {otherl.han
dFrr'r€SF b'y flre] h premi*os, inctuding th,6
6€ntF$l: pf su*r pnemisas, rant*d tn you fcr a
pariwl cf g*ven or fswer con*eeulivg daye. A
ssFe#iRB limit of in*uranes appli*s to Bamag*
Tp Fr*miees Rented Tc Vou ae deseribed in
$ectian lll * Llmits Of lnsurene*.
Fxragrxph {2} nf this exclu&lon dd€s not epplyif the prernisss ar€ *youF wsrko and were
nersr *csr,lpied, renlrd or hald for renlal by
you.
Faragraphs {3} and {4} d $is exelusi*n do
noi spply ta .prnp*riy damxgn' ad*ing from
the use of elevaturs.
FaragrapF:s {3}, (41, (Sl and {6} cf this
exelusbon do nct dFp{y ls liabtljfy *ssurnd
snder a sldetrack agresrnent,
Paragraphs {3} end {4} cf thie eNciusion ds
not BpFly hn "ptnpsrty darnago" 16 b6rmvsed
equipment wllih not being used to pedurrn
op6rstl6ns xt th* j*h sito.
Faragraph {8} of this cxclusion doe* not applyto 'property darnage" fncluded ln the*produ ets-c*mpleled eperationa hsesrd",
k" trfimag*ToYourFraduct
.Froperty damage' {o "ynur prnductn arising
strt sf i[ sr afiy part *f it.
l" trsrmfiga To Yourtrlllark
"Fr*p6rty damage* to "lmur werk" arising nut
Nf it or any part of lt and inllucted in the
"pnodu*ts-e*mplated operations harard""
This etclusion dses not apply if Sre damaged
work or the wntt sq.it cf wl:ieh the damage
arises was perfcrrned nn lrour behalf by a
rubecntn*etor,
m" Sarnag* To lmpalrad ProBarty Or Property
Irlot Fhyelcally lnjured
"F;uperiy damage' ta ":inrpaired Blopertt' or
sropsrry tfrat has not bssn physicalty ir{urad,
arising out of:
{11 A defect, deficbncy, lnadequaey sr
dangnrnus conditlpn in "ynur pruduct" nrnycur Lvork"; *r
{*) A delay ar fu}lure by you or anyane acting
on ysur beh*lf to p*rfsnn * r.onhset sr
agreernent in accordance wtNh itg lennx"
This exctusion dces not apply t* &e lnss *f
use cf fither Frqp6rty grislng fiul sl stdden
nnd acsidental phpical injury ts "ycur
pr*duet" or iyoilr icrsd(" cflar il h*e been pa*
to its intended L{ss"
n, Recsll Sf FrEducLs, Wor* Or lmp*ired
Frcparty
flarrrages claimgd for any lose, cost *r
*xpense lnsuned by ysu trr cthere fsr tha lps*
of H$8, withdrawal, r*Gall, insp*eticn, rspfiiF,
replacement, adju*tment" rerflol'al or dicpnsal
cf:
{1} "Your producf';
{*} "Yo*ir $$r*'i fir
{3} "lmpxired property*;
if sush p,rsduel. work, Er prfiFsrty is wlthdnelnn
ur recalled frorn the f{x*rket or from us6 hy
any person or nrganization hecause of a
knowR sr suspeeted defuet, defieiency"
lnad*qusgy nr dangerou* ss*diti*n in lt,
E, FsrconalAnd Advartising lnJury
"Bndlly lnju4f' arising *ut af "perssnat and
adv*rti*illg iniuff'"
p. Acc€se or Fi*eloEura Of Gontidenti*l Sr
Fer$cnal tnformatlan fuld tlsta*el*fed
Li*bility
Damages adsing nut sfl
{1} Any accssd tr cr dleclssura of anXr
perxrnts cr erg*nlraiion'a confidpftfiel or
persnnal infn'rmaticn, induding patentrs,
tr*de secrsls" prare**ing m*ftods.
custorner lists, financla! inforrnatlon, credli
eard lnl*rmatinn. heaflh inf*rmathn or *ny
olher typs of nonpublin lnformation; pr
{2} The lr** af" l*sr of uE€ of, darnag* ts,
corruption ol inability io access. sr
inabillty tr ma*ipul*t* *lactranle dats.
This. exckJsicfi appllen *ven if damages are
elairned fur nsiifisetjon qcsts" siedit
ffenito{lng BXpBRsss. f*rerlnic 6rpsfls*8,
HG s0 ut 0* 16 Fago $ of 2l
public relations sxpens€$ nr E;rli cthgr lnss,
ftcsl or expen$6 lncurred by ynu sr others
ariring out of that which ic described in
Paragraph {f} or {2} above.
Hcvrerosr, unless Paragraph {i} *bcve
applies, lhis exclusion does nal apply to
damages becau*s nf "bodily lnjury".
Ae uaed in this *xclueion, s$Ffitronic dets
Elsans infprrngtion, fask sr Fr*grtrns stored
F$ trr en, cr*ated cr u$6d on, or tran$nitted tg
sc koru csrnp{fter soft#ar's. In*lud{ng sy*,t€fnf
and appfleatiuns snftvwre, herd rr fiappy
dinks, *F-Rfit'.{$, t*pe*" drive*, calls, d*l*
prncessinq devioes or any other rTledi* whirhare us*d with elee,tronicelly rsntrst[ed
equipmant.
q" Emplcyrnent"Related Fractires
.Bediiy iniuq/' to:
{tr1 A person arlsing oul of any "*mpl*ymenl*
relaled prectie6*o; or
{2} The spsuss, chitrd, pareni, brather or eieter
af thst persoil afi a con*equanca of'bodily
injury'* tc itrat Fsrsnn at u*hsm any
'ernpteymont-rutatsd pra*t!c*E', sre
dir€ct€d.
This exclusinn applies;
{1} Whe$*r the injury"caus,lng event
d€scrfbpd in tha dsfinftion cf 'amplcym*fit*related prantice$" occurs before
*mplryfr6nt" during *mplsyrnnnt sr 6fter
amployrnent of th*t parssni
{I} Whelhsr ths incured rnay be liabte se an
emp{*yer *r in *ny slher cepesny: *nd
t31 TE any oblg*lian lo *hara damages with0r repay ssmn$ne else lvhc must pay
dernagaa be*auEe of trhe inJury.
n A,*he*bo*
{1} 'Eodily lnjury' 6r "pr*perty demage"
afising w[ nf th* "€sbesto$ hnxardo.
{ll Any darnxges, ludgmenlr, seltl*mants,
loss, nnsts orerpenses lfiat
{al May bs awardsd nr innurred by reaso,n
of nny dairn ar *ult alleging s,eiual or
threatensd injury or damage c.t any
nstur€ ar kind tc perscns or proBenly
which rapould nsl havg sceunnd in
whde ar in part bcjt fqr th* "F$beslss
haeard";
tbl Ari*e oul *f nny r*qur#, demfirld,
order fli statutory er regulatory
requlromonl thel eny in*ured or cthsrs
tesl for, mnnitnr, clean up, rsmove,
eneapsul*te, eo*bin, tre*|, dst*xify nr
neutrslias dfr irl *ny vray re*pond tn or
ssgesg the effests af sn 'esb€stog
harardn; or
{*f Ar[*e out of any *l*irn or s$it for
damages becausE qf testing lcr,
rnonitonng, cleaning up, removlng,
encspsulating, ca'r*taining, treatlng,
detaxifylng sr neljtrslielng +r l* any
lvay respcndlng ls fir aasessing the
effecE of an oasbestns haeardn.
s- *scardlng Ar*d llistribulion S{ *tlxteria! Or
lnfon*Etlon ln V*otatlEn Sf L*w
'Badily injury" or *prcperty darnage" arlsing
dirnotly or lndirae{ly erut *l any *ction or
omieeion thai vjslsles or i* allogad to virlata:
{f } The Telephone Consurner Frotecticn Art
{TCFA}, innfudlng nny amendment nf pr
additinn ta sueh [aw;
{l} The CAi{-SFAM i&ct sf t0*$, indr.rdirq
any *nrendment of sr additlsn t{6 such lnry
{3} The Fair Cradit Raporring Act {FffRA}" nnd
any amendment sf or addition ta such {a$',
includlng ths Fa{r *nd Ae*urat* Cradit
Transaction Act (FACTA); or
{4} Any federal, s,Lat€ or is6at statute,
ndin*r**a nr rogulalicn, cftFr than the
TCFA or CAH-$FAM Aat sf 3003 ur FCEA
and S,leir ann*ndmenh and ndditlons, thal
Fddr6r&Hs, prahibits or lirnits ih€ Frintin$,dissemifiaticn" dispcsal, rcllecting,raeanding, **nding, trsnsffii*ing.
cpmmunicating cr distrlbution nf rnaterial
sr informa$on,
Dsma$s Tr Freml+ep Renlsd To You -Exc*pt*on For fiamage Ey Firu, il-lghtning Sr
Fxpi*alon
Exrlu*ions e" thruugh h. *nd j. fhrough n* da not
apply to damage by fire, {ight*ing or explas'bn to
pnernise* while nenled 1o yol; or tempnrsrity
oceupied hy yau with parrnissis,n sf the owner. A
$Bpgrate limit cf insurunce applbs tc this
cw*rsga a* de**rih*<l ln Seotion ltl * Limits Of
Inturanoe.
CCII'ERAGE E FEREfiI'lAl- Aftl* ADIIERTIS|TE
NJUN? ilAFILITY
t, tn*urlng A0f6sffsnl
a. We will pay thase surn$ th*t ffre ineured
bacnmen l*gelly rhligxt*el tn pay a* dxmagss
because of "peisnnal and advertising injurt''
ta which this ,insursnce applies, We will have
rh* dght ancl du{y is d6f6nd th6 ifiGursd
againsl any 'suil'r seeking lhase darnages.
Howev*r. we wtll harre no duty to de,fgnd ljh€
insr.lred against any "suit" seeking damages
fnr "personal anrl *dvertising inlrjnf ta whlch
thi* lneuranm does not appty, Wr rnay, a1 our
Fage fi af 2l HC S0 01 0S 1$
discretinn, inveffiate elny offense and se$le
any clfiim sr'Fu!l" tha! may res$lt. Fut:
lll Th€ am*unl vriE rruifl pay far darneges is
lirnited as dgscribsd in $e€li*n Ul - Urnitc
Of lns*Jrsnce; and
{{ Our righl €nd dljty ts dafund *nd lvfien t#a
heve used up th€ epplieable limit nf
in*ura*c* ln tha paymant of Jr.rdgmanls o+
eshl*rn*ntn under Cousrag€s A cr 8 6r
rnedical expenses under Coremge C"
No other nblig*tien or liability to pay $urns er
perf*rrn acts nr servicas is covered unless
Fxplicitly provided far u*der Supplornantar.y
F*yrnenlx * gov6ra*e* A and B.
h" This ineurancs applies to 'personai and
advertising inJuqf caured by sn cffense
arisjng out 6f your hu*ineee but onty lf the
nffense rrras csmmitted in the "fiqverage
teritory'during the Boticy p*rld.
2. Exclu*isns
This inssraflce d*es nnt apply tCI:
a. Kr*uwing Wolation Sf Rlghtx Of Ansthe,r
'P*reona,l and adverHeing injury" xrl*lng nut c!,
an nffeflse cnmrnitled by, at the diredisn ffi
wiih th6 csns€nt *r acgLlie**e*ca uf the
insured with tha axpectatian af inflicting
"pgrssnal and advertisiag irrjuqf"
b" lllatsrial Fubl*shad With Knswledge Of
F*l*ity
*Perssnal and adverfising injury" arising nut of
oral, writ{en nr *leclmnin pub}lextion, in sny
trfi*nn&ri sf matFdfil, if d*na by Br et th*
directiun uf lhe insured with tinvwledge of its
lal*ity"
e. M*terl*l Fubl*shEd Prior Ta Po*icy Fsriod
"Fersonai and adverlising injury" arising *ut of
prel, {vritten sr *lmEtmnic publi*atinn, in any
rnafirNer, of materfal rxhsse first p.rblication
to*{r plnee b*l*re th* heginning of the pCIllcy
p€ri*d,
d, GrifiinalActs
"P*rscnal and adverlising injury' ari*lng out ef
a eriminal ael conrrnll{ed hy na si.lhe direction
sf the insured.
e. Gentrcctual Liabiiity
"FErsonal snd advsrtieing inJury'fur which the
ixsured has sssurnad liabiflty in a cnr*tract or
agrsemsnt" ?hi* exslu*im daps nst apprly tn
liabillty for damnges that ths insurad broutd
l:aye i* the absence of the cnntract or
agre6menl.
f" Brcsch Of Gontrg*t
?ersonaland advertbing injff arklng out of a
bmach d *ontast. €xoept an implied conF.rei tu
*Jsg anotheds .aduertising idea" in lrsur
"sdvertisemerrf "
g" *ualhy Or F*rforman*s Of Soodr
Fallure To Confsrm Tq Ststernenta
*Perssnaland advertlEing inluryr" arlsing uut rf
the fallure *f goode, prnducts or eenrigs* ts
owrJsrffi with ony slaler$€rrt cf quality or.
poffonnsfi c6 rnads in yo*r'adv*rtisurnsnt'.
h. Wrong Eaxcdptl*n Ot Frlcpr
oFersonat and advertiaing injur.y. *rising cut of
tfrs l,$ong daecripticn of lhs Fries of gonds,
pr*duels &r s&rvises.
i, lnfringer*errt Of lntellertual Frop*r{y
Rightn
{11 "Fersonal *nd arlvartixing injury' arising
oui af eny actual or all*ged infringement
or vldatisn af any lnteilectu*t prspsrty
rights srJch as mpyright, patent,
lradernar{s, lrade nerne, trade *egret, lr*de
draeg, ssFdioc m*rk or tthar designrtion
nf crigin *r auth*nticity; or
tgl Any inl:uO * darnaga ulleged in any clarn
or'auil" that also affeges an irtfringarnent
nr trinlatinn nf any intellectupl pmpertlt
right, whether such all*gaiion nf
lnfrlngrrnerrt or vblatisn is rnade by you nr
by eny other pady invafv*d ln lhe elaim or
"Eulto, Frgardls$s of wlrethar thi*
lnsurance lveuid otherwise applXr.
f{swsv*f, thia ex*lr.lsion ds*€ no* apply if lha
anly ailaga,ticn in the clsinl or .suitl involuing
any intelleutualpmperty righ! is lirnited ts:
{l} }ntringenrerrt, in your nadvertisernent", trf;
{a} Gopyrighr;
{h} Slogan;or
{cl Till* cf any literary or artistlc wark; or
(11 Goppltg, in y#ur "advertisemenl", a
p€r*on's nr *qanlaetton'a "advartidng
ideg'or style tf 'advertisernenf.
j. lnrurad* ln liledia And lnternet Type
Eu*ln*a*e*
'Fgrss*s.[ and adverlising injury" cernrnitted
foy an in*ur*d whos.* bustnaas is:
(lI Aduefilriftg, hrsadeasting, publishing nr
telerastjng;
{2} Designing or deterrnining mntent of *eb
sit*a lor oth*ru; nr
{3} An lntarnet *e*rcfi, ac&as$, eontent or
service providan
However. his exclusinn dren not apply tr
Paragraphs *., b. and c. of lhe definition of
'peraonal end eduerii*ing i*jurf und6r lhs
Safinjti*ns S*aion.
HG00 ut n* 16 Paga 7 ol 2l
for the purFoss$ pf this exclusion, th* placing
of lramas. horders ar iinks, or adv*rtixing. f*r
Ilou ur nthers snywhsre prr ths lntem*!. ls nstby itself; considered the business of
*dverlising- brnad*aatlng, publishlng or'
t*leaasting-
k. El*ctronic Chatroems Or Brsllet!* Baardo
'Personsl and advertising injury" arialng aut of
an electronic chatroam or b,utletin b*ard th*
in*urad lro$ts, st#ns, sr ov€r vlirigh the
in*urad *xeFfise* csfitrol,
l" unauthorired Usa *f Annthpr'* H*nre Or
Produet
"Farsonal and advartiaing injr:ry" *rising *ui of
iha unauthcrized use n{ anothe/s natus or
product in yo;:r e-mall *ddress, donrain nafi*
sr meistsgs, st arlr athar nimilar te8t{cs ts
mislead enclhe r"t potential cust*mer$,
m. Pcllution
*P&r$snal and adverliring injury" arl*ing *ut rf
ths antual, alteged nr threatened discirarge,
dispersal, se*psg6, migrxtien, rpl*ep* or
egsaps cf "pnllutanls" at any tirne.
n" Pcllutian-Related
Any lfiss- cft$l *r exp*n$e arising rut cf any:
{'l} Request, demand, crder pr statutsry on
r*gulatory roquirement that any insured or
sthcr* test fpr, rn*nitnr, ehan up, rernove,
eontain, tr*at, dctuxify *r neulralize, nr in
sny way re$pnnd ls, *r a$se*a the eff*ets
of, "gmllutants";tr
{2} Cl*am 6r silie hy or an heh*lf of *
E*?elnm*n(ai sutheritY fcr damages
beeaus* *f t**fing fsr, n'lo*ltcri*9,
cleaning uF, renr*ving, cont*ining,
treating. dstcxityirrg on neutmlialng, ur in
a*y \?ay respcnding ts, nr assessi*g the
eff*ets *f, *pc!lutent$".
r. tAlar
oFersonal and advartisi*g i*iurt', irnwevar
*ausad, arising, dke*tly *r indir*cl{y. sut ilf:
{1} War. inclu$ing undeclsred or ciuil war;
{2} Warlike eetisfl by a milit*ry force, in*luding
sctlnn in hindering ar defending against an
actual 0r *xpeeted altaek, by snl'
gov*rnrn*nt. snver*ign or *ther authori$
using military p*r*ann*l or oth*r agenlsi
6f
{3} lrt*unedlo*. mballion, revolution, u*urpod
power. nr actian taken by governrnen&l
authority ln hinderlng or defonding agatnst
any cS these"
p. lntsrnEt Advedlsements And Cantenl Of
Oth*re
*'Perscnaf and advertising injury" arising out
*f:
{1} Afl "adver!,is*menl"' for a[hers on your lveb
_1._-5tt{J;
{:} Flacing a li*h tp a weh site of sthers sn
ysur $rBb sit*;
{31 Content, including information. ss;nds.
text, graphica" or imag*e frsm * w*b sitesf ft{hsrs display*d withln fi fr*rne or
border nil yorur nreb stte; *r
{4} Computer code, snflware or pr*gramnring
usad lc enable;
(a) Ycur web site, sr
ib] The presanLation sr filnrtinriality of an
"adv6r*i**rrtsnt' *r sth+r tsnteflt on
yeurw*b site"
q. Right Of Prlva*y e reat*d By $fatute
'Per*onal srrd sdvartising injuny. eflsing ar.lt of
the violation of a person's right cf prtvacy
cr*ated by any $tate cr iederal *ct"
l{pwevsr, lhis exclusion d*ax nst npply tn
Niahillfy fnr darnages thai d're inrsured wuuld
h*ve in lhe *b*nnce of sueh €tste *r f*deral
act.
r" Violatl*n 0f Anti-Truat law
oFerscnal end aduedicing Injury. arising nut nf
a vi*lalicn *t sny sntitr**l !sw,
s" SB*urltla8
"Ferscnal and adveriising injury. arising or.lt of
th* YlU*lxstion In price cr vslun of xny stncles.
fucnds nr nther sec$rities.
l. fiecordins And Sktribu$on Of llfiateri*l Gr
lnfsrmat*on ln Viotrati*n *f Lerry
'Pel**nal and advertising injury' ari*ing
directfy cr indirectly out nf any auticn *r
omissicn that viotate* or lc allegcd to violste:
{1} The Talcphcns Csnsumer F{otestian Ast
{T*FA}, ineluding any arner:dment sf rr
sddiHsn t0 si.lch law;
{!l Tf's CAF*-SPAi\,] Act of 2003, lnc{uding
any amendmenl *f oraddilisn io $r.!ch leq
{3} The Fair Credlt Repertlng Act {FffR&.}, and
any am*ndmsnt of or addi{ron lo such law,
including the Fair snd Acrurst€ *redit
Tnsneaetim A*t iFAeTA); rr
t4l Any fedsr*l, etate ff l*cal *latuta.
ordinarree nr regulation, *t'ler thpn ihe
YCFA cr 6AN-gPA!l{ Aft sf ?n$g sr FCRA
and their amendments and addltisns, that
addre*ses, prchibits or limits the printing,
disseminati*n. dispcsal, aollecting,reeofding, sending, trsnsrnlttlng.
e*rnnunicsting or distributlsn ul msted$l
or infsrn'lalinn.
Fage I af 2l H* *0 Et [s ts
u. Empbyr*ent"Rslaled Prsctlees
*Fers*nal and advertising injury" to:
{'t} A peraon arising out of any "emplcyment-
refated practices'; or
{l} The spoussl child, par*nt, brs{her or sister
of thal perso$ a* a csftsaqilefiss efupersnnal snd advertising injury. ts thatr
p€rsoft Ht whsm sny "sFllpl*ymafii-r*la*sd
pras*ifi*g" ar6 d irBclsd.
This exclusion applies:
{1} Whef'rer the injury-causing event
d*smlbad in ths definlti*n of 'ernplcym*nt-related praelices" o€Eurs befere
Fffplsyl"*nt, during emBleymen! sr aft6r
employr*ent *f thst p*{"cefi;
{3} Whether the insured rnay be liabls as an
emg:l*y*r *r in *ny *ther *ap*elly; *nd
tSl Ta afty nhligetion ls ah6rs d*ntagr* wlrh
or repay semeon€ ,else wh* must pay
d*rnages hecause of the injulry.
v, Aebselos
{1} "Fersonal *nd adverti*ing injury" arising
*ut *fthe "asbestoE hasard",
{e} Any dam*ge*, judgm*nt*, sel!{6menr$,
loso, costs cr expenses that:
{a} May be ewarded ar fincufred by reasnn
of any 6kfrn or si.llt ftIdqing se.tuel or
ihreatened lniury or danrage of any
nstljru, or kind [o prrsoms *r pr*p*dy
which \alould not hars oecunpd in
whpl* or ln part bul f*r {he "asbeslos
heffirS";
{b} Aniae silt df arry r.aquest, dsmafld,
order ot staiutsry qr reguNatrry
r*qulrcm*nt thsl &ny in*ured sr *tl"l6rs
test fcr, rnnnitor. ctean up, reotcve,
ent*psul*i*, fwl&|fi, lreal, det*xify *r
neutrelize or in any wxy respond tc or
a,s$e$s the effects of an "asbertoa
hazard'; or
{*} Ari** srlt of a$y claim *r suit for
d*rnagss hae*us* sf lssting for,
rn*nttnrlng, etffining uil, rem*ving,
encapsuletlng, containing, treating,
dat*xifylng CIr neutrslieing or in nny
vliffy r€spfinding tn *r exsessing the
effeets of an ''sshestos haz*rd".
u. Acce** Sr Bl*closure ** Sonfld*ntl*l Or
FErsonel lnfcrnatlsn
'Far$*nal and advarHring injury" ari*ing oui rf
any acces$ tc *r disclosure cf any parson's 6r
organization's ssnfidentiel or personul
infomla{ion, including p.at6fll$, trad6 sef;rets,
pfsces*ing ffi*thCIds, eu*l*m*r lists, finsn*iat
infotnnaljsn, cr*dil card infprnnali*n, health
infonrratf*n sr any othet tWF of eonpubllc
informaticn.
Thie axclusion appli** evsn il damages are
claimed for nol!fioatlcn e6gt*. eredit
rnonitoring enpenses, for*nsis expen$es,
public relalians €xF6n$es $r sny other lnss.
ca*t or Exp€n&s incunod bf y*u sr Fthsrs
arisinE out cf any flceese tn *r diselosure of
any persnn's or nrgankatinn's canfidenlial nr
perscnal infonnation.
GOIIERAGE C HEBIEAL FAYMEHTS
t. lnsuring Agreement
a. WE rffil! pey nnedlsal axpefiseF ac deacribed
belnw fur .bodlly i*juqf caused by a$
ac*iden[:
{11 On prer*i*es yfiu *wn ar rent;
{3J Cn ,vfys n6xt {c gernises ynrl 01 ,n *r
renl; cr
{3} 8e*au*e of yeur oper*tions;
pr*vided that:
{1} Tha accidsnt takes pNaee in the "coverage
territnrf and durlng ttra pnliey p*riod;
([] Tha €xpenses are ineuned and reported
to us within three y*rrs af llrs date of the
sceident; snd
{31 The injur*d Ber$sn cubnnils {s
examinatian, at oilr *xpense, by
physlcian* *f rur chrice #$ otten *s ws
rxx**nahly require.
b. W* vr,jll rn*ke th*s* p*yment* r*gardlaex *f
fa*lt. Th*se Feyrnent$ *ril! n*t exceed tha
appllcabie limil of insurance. We will pay
reasona ble e:rpen s*s for:
{1} Fir*t aid adminlstered at ih* iime of sn
arcid*ni;
{t} Necessary rnedical, surgical, X-ray and
d*ntal seffiees. lncludirrg pro$thetie
dsrricss; and
{3} Necessary arnbulanceu hnsp,ital,
pr*te*slmal nursing find fun*rel sarvin*s,
2, €xeluslpns
We will nat pay expertses fdr ''bsdily lnju$':
a^ Any inrured
To *ny ln*Ered. except "vclunleer tsrorhars'-.
b. ltlrsd Fer*on
T* a prrsnn hired to do umrk fs,r or on behalf
*f any insumd nr a tensnt of any insured"
e. lnjury On f*ormally Seeupiad Framlses
T,a ,* per**n iniured sr tl'rai p*rt *f pr*inissc
yoll sw{l sr renl that the p€rson norrnally
*ecupi**"
d. $lortrorr ConrpeRe*tion And $l*n!far l-swe
To a p*rson, wh*the.r sr $ot *n 'ernptole€* nf
HG 00 01 0s 16 Fage I of ?1
any irffiursd, *f benefits for lhe 'hodily injnlly" are
payahle ff must k peovided unds a nrmkera
c*mperlsatfrin or disability benefih lavy or fi
sirnilar law.
*. Attrtctles Actlvlt{er
To a psrsorr inJured while practieing,
instrueting or padieipating in eny Bhyoical
axercises fr gdnles, sport*, *r sthl*tic
e0nte$tc"
f, Frsduct*€nmpleted Oparetian* Flaaard
ln*fud*d within the "producl*-6ornpleted
opefations h&zard*"
g. Goverag* A Ex*lu*ions
Excluded Lrnder Ccv*rage A
SUFFLEME {TARY PAYISfiHT$ - COV€*A6*$
AAHSE
{" We will pay, with r*spect !n any clsim v,,e
invF$tigate er s*tll6, or any 'suit" againsi an
insured wn defend:
r" All expense* we incilr,
b" Up to $'1,*S* fsr cfist nf hail bonds r*quired
bereuse *f ac*identa *r tr*fEc lanr vislations
arising out *f the u*e cf any vehiele tr whlch
ih* Bndily h'rjr*ry Liahitily fiovarxg* *pplies,
We da nct have ta furnish th*se bnnds.
c. The c*st sf appeal bsnds sr bands lo feleasa
atterhrfiffit$" but *nJy for bnnd sn"l*unts
withln the applicahle limlt CIf insurance. We ds
nsl hsbre to lurntrh lhese b€nds.
d. Al[ re*sonahl* expe*rses lneurred by the
insurgd at our requesl to assist us in ths
inv*stigati*n ar d*ferrse af ih* *l*im sr "Euii"',
i*6fudi*g actu*l lcss of **rnings up t* $50CI a
day because *f time off frnm wnrk.
*. All csurt c6st$ 16s6d agalftFl tlre lnsur*d ln
thB "sr.ritn. l-lcwerret, sueh costs do *al
inefu*e attorneys' f*er" attorneys' expenses,
witnes* or exFsri {ean. or *ny athor BXp*nFBc
of a psrty taxed lo the insured.
f. Prejudgnieni lnterssl .auugrdd against the
i*sr;red sn that pad of the judgme*t we pay- lf
v'r* rnake an ofier to pay the app{ieable limit cf
in*srsnce. wn vrill noi Fay *ny prejudgnilant
inierest based sn that perid *f tims after the
plfgr,
g. All lnter**t sn th* ful! arnsunt of any Judgrn*nt
that accrues after entry ef the judgrnent nnd
bafsre rrl* have p*id, offarad {s pey, tr
d*Fositsd in **urt the pert of the judgnrmt
that is within the app[icable limit of iFrsurance.
The*e payrnenlr will ncl reduee the limi{s sf
ineuranns"
2, lf we defend an insured a,gainst a "suitn and an
lndernnltae c{ ihe lneur*d is *l** narn*d ss a
party to the us{.,ritn, we will defend that indemnitee
if all of the following acndiiirn* are m*tt
E, The 'suito Bg$inst th* indemniter spekE
dan'lxges fgr whiuh the insured has arsumed
the ltability ot the indemnlto* in fi eontrsct or
agreernent that [s an "insured cenbact";
b. This insuranue appties lo such liability
ss*ufied by the insured;
fi, Tl"!6 BblisetiGn l* defend, or lhe wst of the
delense of, that indernnitee, has also besn
sscuffed by th* inrurad in th6 sarne "insursd
conlrpcf';
d. The alleEatinns in the ns!.!it* and tfre
itformati*rr wa k*sw about lh6 'osrur:Bnfs.
are such lhat no ocnflict aFp*ars tc exist
bef$r*en the ln{er*sts *f th* in*ured and ffie
intsrgcis o{ the indernnitse;
e" The inden:nRee end the insured ask us {s
eonduet and *ontnol the def*nse ol thaf
indemniiee against $uch n*uit'and agree lhat
ws san axsign the *ame e*unael tc dsfend
ths insured and tho inrjernnite*; *nd
f. Tha indgffi*ites:
{'l} fure*c ,in wri[ing to:
{a} fnopemte wJth $s in ths investigalicn,
settl*rnsnt ar defensc of lha nsuif';
{b} lrnrnediatoty s*nd us cnplea ot eny
deffiands" notioee, summsn$*6 or legal
paF€rs r*eeivsd in connectioru wlth thsn's{iit":
{c} lta$fy any otl:er insurer whcee
*0v6r&gs [s av*{ilfihle ts tlrs
lndernnitee; and
{d} #n*perete wrth us with resBect is*rordinating oiher appNiceble
insurance available ts tfue indernnlteel
*nd
{l} Fravide* us with wrltten authcrle*ll*n to:
{*l Obtain reecrds and other i*formaticn
fgldted t* the'suitn: a*d
{b} C*nduct aRd €6ntr*f &* d*fansa o{ Lhs
indemnitee in s*dr !ksil".
S* long cr the ahous conditions are msl,
&ttorn&ys' f*ss ineurred by u* in th* def*nss etthat indernnitee,
ils*es$firy lifigatian 6xp6{i€s$ ineurrad by us *r"rd
ner€ssary litigaticn expenses incuned by the
indernnilee st sur request w!|tr ba paid ss
Sup$er*ant*ry Payr**nt*. Fl*twitrFrstar'rding the
pr*visians of Paragraph t.b.{tl of Sectinn I -Oov*rags * * B*dily lnJ*ry And Properly
Darnage Liability, such payments will not he
deemed lo be damagap fcr "bodily injury" and
"Brdp*rty damaga" and *vill nst r*dltc8 the limits
cf insurance,
Fage ltl of 2l HG 80 0t 0s lff
Our obligation t* defend an insured's indemnitee
aftd to pey for att*rney*' {ees and nee**sery
titigation sxF€n*Bs as Supplernentary Fayrnents
ends when:
a, We have u*ed up the applicahle lirn't cf
insuwnce in the payrnent cf judgrnents or
setll*m€Rts;st
b" The csndllion$ set forih chrve, or {ha lerms sf
th* agre*rnant describad in paragtaph t
above, Frs ns lgnger met"
$EfTl0lit ll- ft'HS l$ Ail *H$URen
{, l{ you ara deatgnated in lha Feel,er*lisne as:
a, An individual, ynu a*d ycur sptru*a ara
insurcds. but cnly with rerpect to the conduct
of a bu*inats of which yru drs ihe sols
DWfter,
h. &, perlner*hip or foint venture, yfiu *re an
i$sured. Ynur rner*bers, yFUr partnens. and
the{r *p*use* are alsa insursde; hut anfy wiih
fesFset to th* csnducl of your buciRe**.
e. A fimited linbifity es{npeny, you are a*
inayred" Ysur m*mbsrs are alsp insurede, bLrt
oflly wlth rospect to the conduct of your
busineas- Y*ur ffienagers ars insureds. hut
wrly wlth r6s$'6ct to th6ir dutiGs as your
mansgBrs,
d- An argenicalicn sther thsn a parinership. jnint
yenture ar l{mitsd li*bili*y coffipsny, you *r&
an insured" Youl "gx&cutive sfficers* €nd
dlr*elcrs 6re inaur*ds, bul only with re*Beet tr
{heir duties as your sflicerg *r direclors. Your
stochhsld*r* are slsc insuredr, but only with
re*peet to iheir liabifity as st*ekhalderp.
e, A tru*t, y6u .ate. *r: l*e.ur*d. Yuur tfl**lees ar*
elso insureds, bui only with respecl tn tl'seir
drJti*s ss trustees.
I. Each of lhe folinwing is also gn insursd:
*. Emplcye*s And Uolunteer t&srkEre
Your "vslunt&6r r*orkers' only while
perlnrming dutles ralaied ts ths c*nduct *f
ynur business, of your 'en:plcfe*s"* nthe{
thdfl eith€r your 'ra'(a*utlus nfficars' {if you ara
an nrgarriaatior* other than a parlnership, j*in{
usnture *r limited li*bility compnny) clr !'uut
rnanessrr {it ysu &r€ * liffiil*d ll*bility
cnmpanyJ. hut anly fur acts within the sespsnf their *rnplcyrn*nt by y*u *r whil*
perfcrrning duties related ts the c$nduct *f
your business"
l-lcwever, npne nf th€$€ "amployseg" cc
\oluntesr wnrksrsu are insureds fsr:
{1} "Bcdily injury" cr "persnnal and adver{ising
irtJury":
{a} Ta y&u, b your partnets or rn*mbers {lf
Su are a partnershiB *r ioint ventur*!,
ta your r**mbrrs {if you sre a limit*d
liability company!, tn a co-"employee"
whil* ln ihe *ouree of l'lle sr hsr
ernplcpnent or perfcnrring duties
related [e the ronduct *f ysur
bu*i**sn, or ts ysur olh6r o'vdlunt*6r
woil{ers" while pe#orming duties
rBlat€d tG $1€ conduet of your
business:
{b} Ta the spouse, chitd, parant, brslh*r or
si*ter of that co-oernplcy**" sr thst
'voluntesr wprker' as E cnnsgqilsnce
of Faragraph {t}(a} abnve;
{e} F*r rrhich tlrere i$ any obligatlon lo
*hara damages with or repslr sonrsone
el$e whe rnust pay danragm beeaupe
af tfte Injury de*cdbad in Paragr*ph*
{{}{a} or {'l}{b} ahve; ur
{d} Arising out of his or her providing or
failing t* pr*dda prcrfes*inrral heallh
*are seruiees"
If yuu a{e not in the busin*ss rf prrviding
pr*fesslanal heallh aare seririces:
(a! subparagraphn {r}{a}, {1}(h} and {1}{*}
ab*vs dn n*i *pply to aty "ernployee"
sr "vplunteer w*rkef prcviding first aid
services; and
{hl Subparagraph {1}(d} abs$a dttes nnt
apply to sny nurs** smergentrf rfiedical
techninian or paramedie ernployed by
you Io provids such servicss.
(2) 'Froperty d*nraga" tb piaFsrty:
(*l *wned. c,rcupled or used by,
{b} Ranled {*, in the eare, euslady *r
crrrtrol of, or over whi*h phyri*al
csntr*l ls being exer*ised fcr any
Burp*re hy
yIlu, €ny of your'empl*yeeeu- "vnluntesr
wo**rs"- ai"ry partn*r or m*mber {if you
ar* * p*rtn*rchip nr lnirrl vantura], or *!:y
nrernber {jf you anl a limitea llabitily
e6nilBeny]"
b. RealEstate Managrr
Any person {ather than ysur "*rnplfiye*" urnuslunieEr wrrker"], or any prganaration whitg
aciing *s yrur r*al sstalo mafiap€r.
r, Tempor*ry Custcdi**s trf Yftdr Prsf6rt$
Any person or organbation heving proper
temporary su$t*dy *f your pr*F6rty if lsu di#.
hut cnly:
{1} With respect ia liabiiity arising oul *f tfie
maint*na*pa ar u$s sf th*l property; and
{21 Until yrur l*gal rspr*sefitative has bsan
sFpointed.
d. L*galR*pr*sani*t$va lf You Fie
Your legal repra*entatlve if y** d[n, but rnly
HG 00 ul 0s 1s Fage 1't of 2l
with rsspeffl ta duties as such, That
repres*ntative wlll tiave *ll y*ur rights and
dul]es ilnder this Gov*rage Part.
e. Unnarnsd Subsidiary
,{ny subsidiary, end subsidiary thereof, cf
yours whisl'r is a legally incorporated enlity of
which you o\,vn I finarcial interest of nrore
than *0% cf thn uot{ng stodk on th6 effsctlva
data of the Caverage Farl,
The insurance *ffnrded herein tor any
*ubsidi*ry not namad ln this Couarag* Fsrt
as * narned insured does not apply ia injury
*r darnage with r*spaet t* whinh rush insursd
i* aleo * narned in*qlred under &na[her pnli*y
or $isuld be a named insured under *ucil
polic.y but far ils kffiinaiian *r tha exlr*ustion
ol its limits nf ifisurance.
3" Heurly Aequlred Or Formad Organizatlcn
Any nrganixxtlnn you nevrly **quite or form,
rflrer lhan * partrrership, iolnt venture or limited
iiabilily ssnftBfiny{ snd sver whieh yeu maSntain
{inancial intsra*t of rnor* {fian Sil6s of the votlng
stock, will qualify as a Narned lnsured if there isn* c*h*r slrnilar in*uranea evail*bl* i* that
*rganizatian. Hnwetel:
a" e,nverage und*rthi* provisi*n [s *ff*tded only
until lhe l8Qth day afler you aequire or fffm
the organizaiion sr the efld of the po,licy
prriod, wlrichever is aarliar;
b. Ccverage A dnes n*t apply to 'br.dity inju4f
or *prcper$ darn*ge" that sccuned befcre
you aequired cr fnrnred th* crganiza{ian; and
c" Ccverxg* B does not apply lo "p*rx*Ral cnd
advertising injury" arisil-rg out *f afi uffense
rurnr*itied befrre yeru acqutred *r fornred ths
organiratlnn.
4. Hcrepwned L{tatercraft
Wtth respect t* yuatererafl ]eu d6 nst sEffi tttsl iF
lese lhas $1 fent fofiS and [s nat being r.Jssd to
carry p*rsons f*r a charge, any pere*n is an
in*ured wlrila oBersting *ueh vsatarcraft *{th your
pennissicn. Any other pqrssn or organiratirn
responsible fcr the sonduct pf auclx peroon is
*l*s sn irrsunpd, but en{y wlih re€psst to lixh,llity
artsing out cf the operatic* pf the watercrgft, and
nnly if n* cth*r ln*urance fif any lrlnd i* avallehl*
lo lhat person cr orga*izatis,n fnr this liahility-
llowever, no person w organize[inn is an insured
wlth rBsp€sl !0i
a" 'Badlly inji"try' t* a cs-o6rnBl*ye.m' of tha
Ferso{l rperating the watercraft; rr
b, "Properly demagrc' to property owned by.
r*fited to, in the charge of m o*upiad by you
or the enrBlayer of any persfin whs is an
ln*ured under this provision.
5. *ddtEon*l ln*Eredg Whsn Rsqarircd Ey
t$rttten Contract" Wrt$en Agr**m*nt Or
Permlt
The following peruon{s) or arganimtien,(s} are an
edd$ional in*ured'$en yan hnve a$reed, in s
wridsn mnfact wriilen ageernenl er because cf
a pemit laawd by a,stata fir gotliical*ubdlvfision"
that such Farssn r orEa*laatlon bE *ddad as an
eddhiunal insued on !ry$r pfilicy, provided fte
inlury cr damagr occurc subsaquont ta lhs
exgcutian of,lhe eo*rtrad cr agregrnpnl.
A percon er organizaiiw is sn sdditionatinsured
undor thls praui*ion only for tfi*t pariod of thna
rq*ired by the csntract ar agrsenienl
However. ng such pers{rn cr eqsniaaflcn is en
inaursd under lhis pmvisbn trf *uch pars*n or
erggnieslisn ls includad a$ an hsursd by an
endErgsrnenl issusd by r.ls ond rnEde a Far{ sf
tlrl* Cov*raga Psrt
g- Vendors
Any persan{e} or org*nizstisn{s} {refaned te
be!o* ss vendor), but only wlth r8spasl to
"bodily injury' cr ?reperty d*magd arising
out of oycur praducls" which ata dlsk$butcd on
anld in the regrlar soui*B of the vendds
h$einees and only if Sris Gaverage Pert
pnavld*x ffiydr&gs f*r 'bodlly inilwtf er
"property demaga' inaluded within th€,
"produet*,*omplc&d apenxtJone haerd"*
({) Tha iRaura**a effordsd tfia vsndor is.
au$e*t t0 the following a#itlpnal
excluEions:
Thia irsaurancs do*B nat *pply to:
(n) "Eodily iniurt' or'pmpe$y darnege" for
whleh the vondsr la obtlgated to pay
demagaa by.rsssofl ef tha ageurngti*n
a,f lisbility in a oorikael or agreement
;+This excluslan dose nol f,pply lo
liabittry far dsmages that ths vendar
rrynuld hsve In tfie abeance qf S?B
.ss{lhct tr agreemenf
{b} Any a$presc warranty unauthoriaed by
)sul
(sl Any pnysieal or cl':ernt*al ch*nge in St,a
puduet made intentlonally by &s
wndoc
tdl Rep*cksging, excaBt when un$askad
sch{y fnr $e Furpose of inspection-
demon*k*tion, tsaling, or the
*ubstitution of prts undsr i$sfrJ*S$ns
frsm the manufuc*$r6r, and then
ropeckqgd in fl.}a ani$nal ffi$teifiBf,
(*! Any fail*re to mak€ soch in*pedions,
.edJustnrenb, tB$tE er serulclng ae tler
w1jdorhas qgre*d to,maks or ncnnally
Page lE of 2l HG G{t 0t s9 l$
urda{bke$ to make in trre usual
€ung* of buginose, ln aanneeth*'with
fle distrlbutiofi cr,aale af ffia Frodu6{s:l
ff Damana*etion, in*tallef*n, ssrvieing0r ttpek opemlions_ €xcapt gudl
operations pafcrned at lhe u*nds/s
promieaa ln connwtion wltJr tlle eala of
fre poduch
(g) Producte whhh" after dtrsffibugan or
*ele by )rsu- havs bsen lebstsd or
rdabelsd or uead ea s eontginsl Fertor irqredient *f any c{:er thirq or
saibstancs by or for tha wndor; cr
{hl "go{tily lnj*ry' cr "property dsnlsgs'
arising sut of the ocle neglige*se sf the
wnder fsr lt* cwn ssb sr snlssi*na or
ti:lssa of iF er*plnyees or any*r*e slte
acH*g cn its bah*lf. l-lswetrer, this
exelu*lon dse* rsst epplylo;.
{l} The excaprbns conbined in Sub-
Baragraphs {dl rr gl; or
{tl} Suclr {n*paetio*a, adJu*in*e*k,
lesis or servi*,irq as the verdqr has
agrcad to rnsha or nornally
u*dertakes to make in tha usgalg{u;tes of bu$innsE, in eonnectior
wisr t€ distribudon or sals Sf tha
Ffsdu$tc"
(31 This insurance dos nst apply to eny
lneured F€rson er vg:anirafion, *urn
rrftorn pu haw asquked srrch pmdu*.,,or finy ingradlenl psrt or cofiteinet
entertng !nto, aemmpanying or en{ralnlng
sueh pr*{t{J&.
b" Lae*ors Of Equlpnn*nl
(1) Any per*on{ef or orgsniastlofi{s} furn
whsrn 5ru lease equipnrent br.rl only wf*r
reeps€t to tha{r t[ab$f!y for'bdlly inluqg.
?raper* dnrnagig' or 'p*rsoflel and
adv*rHxing injunf caased, ln wbofe or in
@rL by leur rrlsi*kcnafle*. op€ratfun or
use gf equipment kased to yuu by euat,
psrsofi (e) or orga nization(e).
{f} W#r r€€psc! ts the lnsursncs a{fdsd ts
thEee addi{iona! lnelrrgds llris insuffinca
does not apply to eny "occunonce'whic*r
tekes plom efrsr $!e equipment leasa
,expka*,
e. Lssaers Of Land Cr Freffilgss,
&ry pwson or orgenization from whom 1oulesse lsftd ar Ftm'+ses, but only uu!tr'r regdeslb flabilily adalng sut of the oslriarsftip,
mefntensne sr use at flat part qf ilre land st
ff€nrb*slssssdb yon.
lffilh rsepact ta'$a inanranss effsrdsd th*6s
adSitlonat inFurad$ the fdtowitra pddiUonat
sncluelong spptltr
HG g0 ut 0s t6
Tfiie insuranse does net apply b:
{. Any *sccutrsncn' y&!Eh tshes flace after
you es$e te laase that land; or
,2" gf{rctu{Ei altgrgllgdts, rrew gngfucfinn ar
damolltlon operall,srs peifonnd by cr cn
bahelf of su*h pffEon qr oqgankalinn.
d. Architecte, Engin*er* tlr Survayoro
Any *rshiiect, englneer. or $utuByoF, but cnly.wlh rarFet t* fiab*lF1 fior ,bodlty lnlr.rrf."psp€*y damaga" or "peG€nsl a*d
dvartieir'lg injurf caus€d, ln whpla cr ln pErl.
b:t your scts sr aftiagFcns or the sf*E ot
omiwicns of thaEe'ssling cn lqur behalf:
(1f tn mnneeti$n with !'uur Fr€rnlbe$ er
Fl ln the perfcnnanca of lcur ongol*g
oper.*t{ons p*rformed by ycu ar on }Bur
bafiaif,
With rc*pr* ta lhc lnsurenc* afforded tftaae,
addids*sl insureds, tfre foliqv{tfiq aiJditional
excluEion sppllEe;
This 'lnsursnes dc€,s not apply to "hadily
injurf. 'pragerty darnegre' sr "pe$,Engt and
.aduertfxlng irdurf srlcing out sf the rend*ring
of Er lhe fiailurs to render any pufessienal
.aarvtca* by or fur you. krcludlng:
{. The preparing. epprcving, on failing to
prppers or approtre. nap, shop d*awir:gs,
opinions- reports. $uruEls, ileld olders,ch*nge odsrs or drawl*g* end
specJficatiens; sf
n Supe*visoqr, lnspectinrr, erchjlectulal or
eng f neering activniaa.
This exduslan appliae sven if the *airns.ryrj*et any im*urad afiag* negllgsrlca or
olhar wrongdoinq in Sre suprvislon. hirlng,
.ffndCI}'|1l*nt, baining or nronitoring of other*
by th*l l*aursd, lf lfle 'wufr&ncs' wfrich,eclwd the "hpdi:ly injur:f sr uptcperly,
damage', or ihe sffensE r*hicfi ceugEcl the
'persaraal snd adv€rtiaing hiuqf. invelu*sl the
rcndarlng sf sr fra failura to r*nder any.
prcfossienal sexiee*by or for trnrr4
e, Pqrmlta !**usd 8y Stats Or puflticgl
Subdivieionc
turystate or poliUcal subdivision, but anly wi$r
raxpect to cpeeelinr* performed by you cr on
your behalf for w{t}dr the Etsto or pdillcal
subdivision has'leeusd a parvnil
With re*pect tE the lnsursnce afu'rded thsss
additiqsal lneureds" this insurgn{s does not
.spply lo:'
t1l "Fodfly krjur:f. 'pruFerty d*rnryp" ornpelro*al cnd advwfring irgurt'' srisir=g,
ast af oparaliona p*dornBd for tlra eiatc
or munlelpalitg er
Fage 13 af 2l
{$ .Badlly injuqf €r 'property damap'
lncluded wfthln tlra "products-cornpleted
apar*tiorE brexrd'.
f, Any Other Farty
iny other p€tgsn or crganiudsn who b not
an sddifi*nal lneurad undrr Paragraphs 8.
$rrsqgh e. sbots. hit anly $i& rs$ps6t tD
llability fcr 'tdffy lnju4f. "property d*nxsgE"
or "pereon*l ard edvertielng.lnjury' caussd. in
v*ide or !n perl, by lnur eEb or orflissislg or
tha act* or omlssionc *f thoss ecting on 1rur,khatf:
{{} ln the p*rformanue pf $}ur ongcing
operat$eflre;'
{2} In mnnectlcn wilh your prer*ises srned
b}r 6r r€nt8d lo ]s$; er
{3} tn ccnn*cdon $rtfi Your ur€dt" and
irrgluded nrlthin &e'frodu*ts.ew*plelied
operatlerte hassrd", but unly lf
{e} Tha writtnn canh*et ar agr*gma*t
requlres you lo provde sueh ryqerage
ta su*h addltios,el ln*ured; and
tbl this Cavarsgo Part prwidae sversgs
for 'bodily injuqf or oprs,Ferty darnags:
includad withln Sre oprosucle-
eonph$ad opar*fi one her*sg".
Hqc',€ver
({} Ths insumnee affsrded !a ssch additbnal
iosured *nty appliea to tha extant,
permlttred by lavq and
.{3} lf eoverag* prqvided to the Edditb*sl
lnsur*d ls {€Euira$ by a mntrac-l ar
sgrcemsnt, lhe insursnNes afurded t* sudr
add{lia*sl lneursd wifl net be broads thsn
that whieh ysu ars requirad by the .cankact
or agreer*e*t ic pflrclde &,r such
eddillonsl insured"
Wnh tesBact tn lhe i*sumnee assr$sd to
tftess sddltl$nel ineurpde, lhlc lnsursncg dsag
not ap$y te:
'tsndlly iniunf, ?roperty damage' sr.pwscnalard adverfising iniuqf arlslng ar.rt of
th*'renda,ring ef, cr lha hiiurs S render, any
trsfessisnsl arohlteEtsrsl, enfilnegtlng cr
xarve$*g s*ft ice*. i*dudln g:'
{11 The preparing, approdng. or fa$lng to
pr6psr6 or gpprovg, In6ps, shcp dnswinEt,
oplni*ns. r€porte, gurvela. fiald ordars.
change ar.ders cr drnwings and
spEcifieEllcns; or
{3} Suparvleory. i*spstlsn, archlbastur*l or
orqlneering arliviil€e.
Thb exctu*isn appllee avan if ihe clalme
*gainst any irleured xllqa r:egllgenc* or
dher *rongdoinE in $re zupnrision, hiring,
employmenl. Xrslning or monitoring of qthers
by thrt ifisursd, if ths "sccurrsnss" which
.esuu€d the 'bedlly lnjuryf or upr*Fsrty
deme$a", sr lhs cfrence which carissd the'
?ersorlalend dwr8sing iniu4f,, inwhed BIB
endering of sr lhe fsllur€ t0 rander any
prof*s*ional services by or for pu.
Thp limitg sf lnsmanca thst apdy to additlc*sl
ineurede h da*eribed ln SecHon ttt - Ltmlte Sf
lnsurgfiffi.
l*orar thi* inrurarrre *p$ies when other iReuranea,
le'*v*llsbts tro the additlsnal ineured is described
in tha O*wr lneilrsnce Csndltion in Sactisn lV -Gommedat Ganeal U*bllity tronditione.
No person or *rgarlim$on !g an ineured lrflh r"**ped
ts &e csnduet of any current sr past Bar.hership,jclnt venture or lisritsrt ltxliffty cs{ngE{ry lrat is not
shsrrn es a Nafired tnsured ln tfra Declai-stisns.
SECTISf'I {ll* Llll{lT$ Qf ll'lSUfi"Al'lCE
t" The Most W* tttlll Fay
The [-irnit* of [nrursn*o sh*]rfi il': ths
Declarations and lhe rules below fix the most yde
vrill pmy ragardle*r pf, the nuri.nbor of;
a, insureds;
b. ttaims rnade ot 'fu{tso brcughh or
c- Fersons ot nrganizations maklng dairns cr
brinslng "su,itB",
E. G*narnf &ggragat* Llrnit
The GeneralAggregata Lirnit is the n'lost rrue will
pay fnr lhe a.um *f:
E, l\{edlcal axpenses und*r Csv*rnge G1
b. Fxmagen under Crl'*rage A, sxsept
demages becsuse nf .bedily injury" sr.property d&m*ge" lnrll,"lded iR lhe "products-
c*rnpleted operatlons hazardn; a nd
c" Darnag*s under Opverage E,
3, Produeta-f;o*rplxt*d Op*rationr Aggr*gata
Limit
The Prsdnctr4ornpteled Operation* Aggregale
Llmit is lhs msst uue r,vill puy ilnder Ooverage Afnr darnages because of 'bodily injury" and
'prsperty damng*' lnntuded ln th* "pmduels-
*urn pleted cperalian* hsza rd ".
4, Fcrsun*lAnd Advpnl*i;rg l*jury Lir*it
$ubje*t ls 2. above, the Fers*nal and
Advertlsi$g lr$ury Ljrnit is the moer wa wi{l p*y
under Cover*g* B for the aum cf all darnages
beeau*e of alf "persnnal *nd advortising injr"rry'j
sustained by any snn persnsl or arganizatian.
5. Each Occurrence Limit
$ubject to t. ryr 3. sbcve, wl'riehever applies, 6re
Each Secunencs Limit in ths r*osl vr* will p*y f*r
tl"re sam nf:
a" Fan:age$under#cverage A; and
Fage 14 of 2l HG C0 0t ss tff
b, Medical €HFsnses under f,cverage G
bee*use Ef all "bsdity injurt' and *Brrperty
d&mage'' arising oul of any on& "*ccutr&n69",
S. D*mag* To Frer*issx Rsnted To You Llmlt
$uQect lo 5. above, the Damage Ts Frernjse*
Rc,nted To You Llflrit le lhr rnrat *a wilf pay
under Csveraga A fur darnages because nf
"Freperty darnage' ts cny one premise*. while
rsnt*d to you, or in ilr* sase of dam*ge by fir*,
fishtiling or explcsinn, whila renled tD you Gt
t*r*pnr*rily omupied by ysu v*ith perrnissi*n of
the sufier.
ln lhe ease of damage by fire, trightning nr
expl**ien, th* Famag,c t* Fremis.*s Rantcd To
Yau Limit applies to all damag* proximateEy
caused by tlre sarne event. whether sueh
demaga result* frorrn fIfe, lightning nr e.xplaslan
or any combination af these.
7. i&*dlcal Erprnse Llmlt
Subj**t t* 5. *b"ove, the Medi*sl Hxparrsa Linrlt i*
tFrg nrost we rxill pay under Coverage G for all
rnedical sxp*{18*$ beeavse of 'hodlly inJury-
sLlstained by any sne p€rson,
8. Houu Ltmits Apply Tr Additior:al lnsureds
lf y** haun agreed in s wntt€fi ccntract or writtem
sgr*ernent thal *n*lhar p€r$on or crg*nization
be
s$d*r, as an additi*nat insured on your p*licy.
the rnast we lr*ill pay on behalf of such addltianal
insursd i* lhs f*ss*r of:
a, The lirnits of in$urance sBecrfied in the written
coritract or written agreement: 0r
b. The Lirni8 sf lnsursnc* shswn in the
SsFler*tisrr.q.
Such am*unl sf'l*tf be a part rf and nni in
additisn to l-irniis of Insurpnee shswn in the
D*ctar**ion* snd deserlbed in thix S*cfion.
The timite sf lnsuranus af {his Coveraga Farl apply
eeparat*ly to *ech cpn*eeuiive ennual peri*d and ta
any remainlng pariod nf losa than 12 rn6nths,
stafiing with ffre beglnning nf the p*fiey period
shown ln tl'ra Deelar*tisn$, unless t&a policy parrod
is extended after issuanes fsr an additienal pariod cf
fesg {han 1? mmtl'rs. ln thet c*se, the addili*nat
period will be ds*msd pfirt sf the l**t praceding
period i*r purpcses of detennining the Llmits ef
lnsurence.
SECSISN IV COMMERCIAL GENERAL
LIABILffY CONBITIOf'IS
l. Eankruptey
Befikruplcy cr in*nlvcc*y af the lnpured or of the,
insureds estate will not relieve us cf *ur
abllgali*n* ur:der this eoverage Farl.
3" EutlEs ln Th* €v€nt Of Oc,eurrsne*o Off€nie,
Glairn Or Sult
a- Xotics Of Sceurrense 0r Offense
You ur ony additional in*ured must see tn it
that !?e are natillad €s sson as praeticahl* of
an occfrurrence* or an otfense whiclr rnay
r66ult in a elaim. Ts the set€nt pos$lhl6"
n*tiee shnuld inrhde:
{t} How, when and where the "*scu{rsnfi€" or
nffense to*k plaoe;
{I} The nsmes find sddres$es of 6ny inj$r€d
perssns and witnesse,s; end
{3f The n,a{Lrr€ ar:d lscatisn rf any irrjr.lry nr
damage *ri*ing But sf ths "&'Ecuffanc6n or
sff*nge.
b. tdotics Sf tlalrn
fl a *tairn is m+d* cr "**rit" i* bra*rght figffinst
any in*ured, you ar any additinrual insured
muut:
{1} lrnr*ediately rs*6rd lhc spedfio* of the
clajn: nr "suif' acd the dats received; and
(?) Nattfy uE 65 s*Fn *s prerticabl*.
Yo* or eny ad$i{ional lnsured mu*l *se lo it
that ure receive wrltten natice *f lhe clainn nr
"euit" ae ccon ss pr*rlleable"
c. A**letenc* And Cooperatlon Df Ths
lnsured
Ysu and any nther invslsed insurcd must;
{{} lnrnedialety send us copfes sf any
demands, notices. sunlmfrGse* *r logal
Fapers rec€ived 'in c*nneeti*n rvitir the
el&ifi d,r'suit"i
{2} Authoria* us tF Fbtain rseards and ath*r
isrfqrmstion:
{$} Cocp*rate with ffi in lhe lnv**tigatim or
$$tllernent *f the alaim sr defensa against
tt':e "guit"; end
{4} As*tsl u&, upcr't *ur reque*i, in thc
eflfsrcement of any right against any persflrl
cc organtzellon which may be liable kr the
ifisured be*ailse uf lnjury nr damags la
whhh {frir inswance rrray atsu app-ly.
rl. Sbllgatlcns $* The lns[.rreds *r*n Cost
H* [rtsured will, excspt at t!':at ]nsursd's cwn
c*st, valuntarily rnake a payrnent, assurnr
any *bligatrien" er incur sn}r sxp&nse, olher
lhFn fo{ first sid, without sur rorrseflt.
e" Additional *n*ured* Bther *Rsuralrcs
lf we @ver e el*im pr *s.uit" lrnder this
C*v*rage Par{ ftBt ftBy slsfi b6 cf,rsr*d hy
nther insuranc* avallable lff an sdditional
insured, auch additional insrJred rnusl aubmit
such claim sr "suii'o to the other lnsutsr {*r
delense and andernftity,
F{*wavr, lfiis prcviricn de*s n*t 6Fp{y to the
exler:t that ysu have agreed in a writian
HG 00 0{ 0* t6 Fage 15 o! ?l
cofttftrcl or wr-itien sgr€em€Ft that this
insurance is primary and ncn-c*ntrlbutory
witlr ihe sdditional lnsured's swn insurantre,
f" Knowledge Of An Occurrence, Offeilf*,
Glalm Or $ult
Paragraphs a, and h, apply le ysu sr iF any
additionat iRcilr€d Inly whe* $uch
'oceum8ns&'. offbnsg, clgirfi sr n*uit* ls kns$rl
ln-
{1} Yuu sr any addhisnal lnsured thst is an
indiuidust:
{2} Any psrtilsr. if you *r rh6 additis$&}
insuned is a partnership;
{3} Any mafloEer, if you or the sddiiisnal
irrrdred is a lirnited li*bitity e6mp6ny;
{*} Any oexecl"rlive officef' ot- insurance
mansg6r, if you or the edditi*npl in*ured i*
a corporation;
{S} Any trustee, ii you ar the add8icnaf
insured is a lrunt: or
{6} Any alerted or appoinled *fficial, if ytru or
the additional insured ie a pciitlcaf
*ubdlvlsisn or pubfi* 6nlity.
This duly app{ie* separalely to you and any
aftiitional insured.
3. Legal Actian Agalr*st Us
tNl* psrBfln 6f srganleatien he* * rigtrt under {hls
Coverage Part:
a. Io join us as a parly nr olhenvise bring us
into a "*ult" askiRg for damag*s frurn aR
ln*urad: *r
b" To sue us s{r this Coverage Fart unless aNl cf
i{.s terms have b*en fully *ornptied w[l.h"
A per*an or organizatinfl tnay cue iJ6 ts reeflvcf,
on &fi Egreed settlement *r pn a finaljudgrn*nt
againxt an lneur*d; bul w* w{{l nrt ba tiable fa+
dan'laget thal ere no{ paya$e under the terms nf{hl* Ccver*g* Far{ 0r
thst sre in excess nf the applicable fimit of
in$uraflce, &n *gleed seltlenxent msffn$ *
ssttisraent *nd rslsase nf liability slgned by ils,
the in*ured and the *lsimsnt s{ {he sl*iffianl's
lagal repre**fi1ailv6.
4, Othar lr*eursRes
lf clhsr vslid and csdlsetib,le insuranse i$
ayallebia to &e i*eured far s{*ss tlls cover un$g
Ccvaragie* A gr E sF this Ccvarnge Part, cgr
obtlgaUons are [imiled as fdlows:
a" Prlmary lncurance
Tfils lnsurancs ls prlmsry exEe$t whgn b.
belovy aBplies. If strer in$uranss iCI elsa
Frlrl€ry" wn wlll a.fisre wltF: all tlrat odrsr
inegrsnc€ by the rnethod describsd in c,
kfsw.
b. Exce*s lnsurance
This insuranee is exeecr svsr Eny of the slher
lnsur6nea, whsther primary, 6xtaas,
rwr?ingent flr 0n any ather hasls:
{1} Your tltlnrk
Th*t ls Fire, Extanded Coverage, Build*r'*
Fisk, lnstallation Risk an similar Eoversge
for "yout w*rk":
{3} Fremires Fented To You
That le fir*, llghtning or *xplo,eion
irusurance for premi*es r*nted tc ysu sr
tar*por*rily oecupiad by ysu wittl
perm:issinn nJ thp owner;
{3J Tenant L*abi$ity
Th*i is incurence purehased by trrsu ltr
mr/€r yffur fiability €s * tefisni f*r
"prop*rly damags' to prernises rented lo
yeu rr tamgorerify *caupied hy y*ir wi*h
pern:issfcn of the nwneq
{4} &lreruft, Frryln *r lfll*tarer*ft
lf th* loss ariss* *ut uf ths mxinlenanca fir
use o,f airrraf{ "aui*s" or watarcrafl ta tie
extent not subject to Exclusion g. ofgsffiofi I * Sov*raga A * E+dily tnjury
And FnoF*rly Fan:age Uability:
{51 Preperty Earnage Tc Borrowed
Equlfffi€nt Or Llsa Sf EiavEtnr*
lf ihe lnss srises cul uf *prcperty dsrnage"
to h*nfiw€d cquipmcnt nr lhe u$s of
eNavalurs tD {he sxlsrit nrt subjeci to
Exslusisn j" of See{ion t - Coverage A -
F-*dily' lr{ury Arrd F{spsrty brntage
Liabitity;
{6} Wh*n You Are Added As An Additisnal
*nsurad To Oth*r ln*urer**e
Any otlr*r insuranse availabla ir ynu
*#usriftg Fiabifity f6r dflfileges nrising *ut
of th* premisss or op8r*tfenE" fir prodLtst*
and oompleted *perations, for which 1wu
hav6 besn addsd a* an *ddilianal insurad
by thst insursnce; ar
f7| When You Add &hers As An
*dd*doml lnaurad To Thls lnssr*nc*
Any rther insuffines avallabls t6 en
additlen*l irtsured"
,Hsr.{sv@r, tha fo}lawlng pmvieione spF,y tc
gthsr i*silrenes avsilsble ta eny p€rs*fi or
arga*izatian wfio ls an additisnfl! insured
undar thb co$drsg€ peri,
(a| Prfmary ltlrurancs Whan Requlrcd
By Gontrect,
This lnsurenm is prim*ry lf you beve
agrsed kr a $niilsn centmct nr vurillen
agmement tlffit tfiis insuranEe bE,
prrrnsry. lf c{h*r insumncs ia also
Frge 16 of Il H* gn [l 0s ts
Frimafy" we 'r{$l s}igrs nrdth all thatqtFlsr ln*srcnco by lha method
elpecr,lb€d ln c. balsw.
(bl Frimary And Non.Cantributory Tc
Other lnau*anca Whsil Raqrllmd Sf
Ccnt*act
lf pu hove agreed in e urifien
mntrEsl wrlttsrt sgrs8ffJant, or parnnit
that &ls lnsunanss la primary errd non.
ssn{dbutryy with f}e eddi$onal
ingurad'* *wn tnasranss. tl"llg ineuratlesis pdmary and ws will nol sesk,
sntdbulion frorn tlrat afisr lnsurnnea.
F*regr*pha {*} and {b) do n*t *pply to
sther ingu.snce to r.rrhicfr the addi$cnal
lnsursd ha* been sdded ss arr additbnnl
insr.lred.
When Nfiis lRauca*ce ls exfie$s, rrye wtrll hevs
no duly undar Coveregaa A or B ta tlefuncl
the ln$ured agsln$t any "suil" if any o?her.
lnsurEr hafi a duly to defend the insurad
assinst ttlai "ssif. lf no other insurer defenda
we winl underleke fo do sa, but vre w|[] be
anfitled to lhe insursd's righk agains{ ell
tho*a ofter insur*Fs"
Wltsr lhis tnsumnc.e lg exgee over othnr
in&ursnsa, wa radll pay snly our ehare sf tha
E[! oufit cf lhe l*sa, if any, llrai exreede tha
sum sf:
tll The talal amount ttrat all eush othet
'insuransa wwld pay fur tho l*Es {n &e
abssnce of thls lneurcnsal snd
t2l Tf* lotsl of sll dcduffibla ard B.6tf-in*ursd
sffis{*nb u*der. all thal,o{her in$:ranee.
Wa w$ll shsr,e thr rennainlng lose, if uny, with
any 6tl":sr insuruace that is *ot dsseribed in
thie Excess lnsuranee prcvlsion end sra* nst
@ught spe*iftcally to apply in ex*ssa cf &g
Urni6 of lnsurnnce shorffn in the &eslarafcns
c{ thls Covorage Fsfi.
c, Mathod Of $haring
lf all ef the sther insuren*e permik
ecntributirn by equal cheres, we wii! follnw
thls rnethrd xlsa. UrNdar th;$ 6pFroe*i"r *dch
insurer csntributes equal arnounts until rt has
paid il* applicabl* limil al ln*ur&nre or n*ns
sf th6 loss remains, whichever comes tirst.
lf any of thn cther insurance does not pennit
eontriburtion by Fqual $hsres. we will
contributs by limits. Under thls rnethod, *ach
insrrer's shere is based on the rulic of its
appli**blo lirrit of insurance to th€ total
appiieable limits *f insurance of al] insurers,
S. Fremium Audit
a" We wil{ cpmpuls rtf premiums for this
fnverago Fart ln aecordancg r*ith our rulss
and rales.
b. Frer*ium shnwn in tl^lis Coverage Fsrt ss
advance premlurfl is a d*p*sit prerRlum only,
At the elose uf ss,6h *udat perlod v're will
tomput* the earnad Brxrnlum fsr that period
and send notice tn tFe firsl I'lamed ln*ured,
The due date fCIr audil snd reirc*pactiu*
pramlunne is lhe dafs shouvn a* ih* du* daia
on th* bill, if the sum cf the adqance and
audit premiums paid f*r th* pnliey prriocl ls
greatsr than ths earned prurnlum, we will
leturn the BX€ssE ts the first l,len"led lnsured"
e. Th* flrct N*med lilsur*d rnust keep records n[the infnrrnation r#s need fsr premlurn
*nmpuiali*n, and rend us eopi*c at such
timas as $r* rrlxy re4uest,
6, *epresentatlons
a- ttllhen Yau Aceept This Folicy
Fy *ee*pthlg thls p*[icy, y*u agres:
{11 The $t6{6m6nt$ in tha Sa*laratinils Fre
F$eurate and cpmpiete;
{ll Ttrose sta?*ments fire based ilp€n
rapresent*tian$ ys{J made ta $s; and
{3} We have i*s*ed this p*li*y in ralience
upsn ysur reprcsentaticns.
b, Un*ntentlon*l Fsllurs To Placlos* Haaards
lf unintentionally you *h*uld fail to disclaso all
harard* netating tu the *cnduet {f ysur"
buslneas tha! exist 6t th* ln66ptls{'r dsts *f
this Goverage Fart, we shall not deny
fiovsrage und*r thi* **verage Part beaslrse
pf auch fsilure.
?" Separation Of lnsureds
Exeept wilh r*spect to the Ltmits *f lnsurance,
and any dghtu rr dutie* *pecifiealNy as*igned in
thix Ccverage Fsrt lr the {irsi Named lnsured,
thris inrurarrce *ppliea:
€" A$ lf sach f,,N*rned irrsursd s8rs th6 *nly
Narned lrr*sred: and
b. $eparately tr each in*ured against whcrn
clairn is made cr "suit'is brouEht,
8. Trenalsr Of Rlghtt Of Eeecyely Agrinct
Othsrr To Us
a, Tran*f*r *f Rlghts *f R*covory
ll the insurpd has riglrts to recowr a1l *r part
frf any paymsfiL inctEdinE $upplementary
Fapn*ruts, ws havs rTrads und*r thls
Coverage Parl, those rights are transfened lo
us, The in*ured rnu*l dc nothing afier ,loss to
HG 00 CIl 0$ t6 Fage 17 oF 2l
irnBalr th*nl, At nur request, the insured will
bring "*Lrif' cr trsnsfer thsse rights tc us end
help us enfcrce them,
b. YlfElver Gf ftlehts Of Rerovery (Walvar Of
$ubrcFatlcnl
It the in*urod hs* *aived any righb of
resoyery sgainsl €ny parssn or organirathrr
fsr €ll sr parl of any papn**t, includlng
Supplementary Faynerrts, lrJs hs{s msd€
under this eovetage FErt, we elso waiv6 lha{
right, providad tfre in*ured weived their rlghtaet feosvsry ag;ainst suelr pe$rafl or
organlc*tinn ln e rc*trset, agroemont or
perm[ lhet was exocutad pdor to the krjury or
darnage,
s- whan lrYc F* frlot R8n*w
lf we decids nrt ta rsnss{ thiu eoveragc Fxrl, we
will mail nr deliwer to the first Narned lcsured
shown in the Dmelar6ti*n$ wl'iHan notide Gf the
nnnrenewel nal less than 3fi days befcre the
expirali*n dat*.
lf ruotiee is mallad, proof o{ rn*iling will ha
suffieienl prraf of notice"
sEe?roN v - DEFr$ilTtoHs
1, 'Adv*rtlEenr*Enf' mesft* th* widaspread ptrbti*
disssrnination of in{ormation or inaages {hal has
the purp*re *f inducing the sale of good*,
Frsduets or s*ruiFB* thrsu*h:
a. {t} fiadio;
(?| Television;
(31 Fstlboard;
14] Mrgaxine;
{5} lrlswspeper; or
b. Any other publicaticn that is giuen widespread
puhilc dtstribu[i6n,
l-J*wev*r, "advertis.erfl,ent' doss nst in*l*d*;
a. The design, printed material, lflfsrmatlon or
imagHs e*nialned in" sR Br uBsn the
pack*ging nr labeldng nf any go*ds *r
producls:nr
b. An intarsclive esrv*rssti'sfi befween gl
Hm!!:* p€rsons lhrnugh a cornput*r neftvprk"
2" "AdvertiEing idea" mafin* any ido* fcr an
"sdY6rtis.Bment*"
S. "Ash*rta* haeard" mesns an expssur* of
threat nI Bxp$s{rre tn the actual or allryed
Bropedios of sebostcrs and ineludes thp nrera
pras€nce trf esbssios in any form"
4" "Auto* means:
a" A {and mctcr vehicle, trailer sr ser:rltraiter
d**lgn*d fsr trevel on public raads, including
any attached rnachinery nr equipment; or
b, Any other {snd vehl*le thst is Eubjeet to s
compulscry *r financial re*ponsibtlify law or
sther matpr uehicle insursnce lalv rrrll:er* il is
lieensed *r prlnclpally garaged.
Hnwgv&r, "sillrn doss *nl inelude "mnbiie
equipmenf'.
S. "Bndtl1r inJury" msans physic*l:
a, lnjury;
b, €i*kncs*ior
c" Biseasa
sustained by a persan end, il arising nu{ sf the
abov*. rnental anguish sr dsath at any ti*ra"
S. "Sover*96 t€rritont"' m6&nsi
a. The United Shtes o{ Amer,ica {incfuding its
tenit*rles FnS poa*e**!on*), Fuart* Ricc find
fanada;
b, lntematisnal waters or airspace. but only if
th* injury *r damag* oecurs in the epurse sf
trave! ar trartsportati*n befween any places
ineluded In r. abcve; sr
c" All other parls cf th* world if the injury *r
damage arises sut ol;
(1 ! Goods or producis made or sr:ld by you in
the tenitory des*ribed in *, ab*ve:
{2} Tha adtivitiss of a par*on rvhoea hrma is
in the l*rritrry descrlbed in a. above, b*t is
away fol * shsri lirn6 sn liour bu*iness; ar
{3} "Pemonetr and advertlsing tnjurt'' off,enses
thst {ake pface lhroq.igh the lnternel pr
sirslilsr elsctronie msanc *f *ommunic*tien
provided the insuredk rexponsibllify ts Fay
darnages is detsnnin*d in tl'w UnitEd Flales tf
Anrsriea {including its isnit*ries and po*essions},
Fuerto Eko nr Canada, [F F "st!if'cn the rnerib
6c0srdirlg {c th.e s;bri.*niise lsw ln su6h Xerriin!-y cr
in a settbment-$."e €gre€ td.
T, "Enrptcyee" includes s n'leased r.'.,Brker".
"Empl$pe" *a*s rr*t lneludg n *tslrlpsf*ry
wcrkgrn.
S. "Emplnyment#lelaled Practiee*" nlssns:
a, Refr:sal {o en:rp1*y lhat psrssni
b" Termination ef thal pet*cn's enrployrnent; rr
c, Er*piaymsril-rslat*d preeliee*, pslleiBs, eels*r crfiis*isns, $uch ss ffisrslon, derxctlCIn,avaluslirn, rea**ignrnent" diaciplina,
d*farnafi*n, haras€rnent, humiliatian,
discrlrninatisn rr ff*|l*i*ue Ws*eculipn
directed at thal perssn.
9, "Executivs officsr" rneans a psrson hnlding any
sf the sfficer pCI$iiion* ffeatFd by yo*r ettariar,
eonstitution, by-luw* Er any ofisr sirlilar
governing d*cun'l*nt-
1S, "fioEt*lr flre" me*ns 6ne vuhieh b*comes
ur'lctnirqllable sI breaks aut frnm where it was
int*nded ts be.
Fage l8 of Il HG 00 01 s* ts
te Jo Bt" rff€dpauqulEu eje pus palladrLld-$|eE lou €JE laqlsnsqs'p Js '3 ''q '^s ul p*qpscap lcu $elsl{.leA ?:$Jsl[a,rro sradeiss 's.lape;S ge qrns 1u*rudlnbaSulaepn**,r i0 uog*rut€u*{ p#og {f}Je:sltpF:t a.laS6p's.rgpe$l'slaAol.tr$'saue.r*.rc*rc6 { g}: FSIUnO l.ll rtgUaUer-u.ladn1 ,{1;pqeu ep1**"rd e1 ilperupd ptsufstureul-lou Ja pa;pdo.rdgax JsqIBLt/t -salfli{afi 'p:spE*rl Jsl$\BJ* ilfi pAsrl l*r{t *s'l3lq*/i .t:l[.r6j,!s r"rrno nof gee]r.rJgrd c]lx€u Js uo,{1a1c* *5n J0$ paulqureu $slrlqs/x 'q:spE0.jsllqnd td* dlpdqeupd 6sn rot psu6t$sp s*lf,jqsnJaq1a prle s:JllllsJ 'A:aulqreLu ulrEJ 'slazopllng .Eluaudgnh* .lo {:aulqrewpau$€}ls fiu* Sutpng*ui 's*lllrtp Buet ta ssddtfiupnc;po3 aq1 1c fiu* susaili ..1uawd1nb* allqn1;rg,,.S!"rslfle* J* uE,B$J61eril1,ils.r3j!€ Er.li oi p6rtsElleisu cl 16r{l '$nrl puB{",l e u*r{l r*Ljx6 '*s14FFlE3]ueqssur E ]$ €ueas.] ,{q dp*drld Js }u6i.i:a.esuj6r"{} *pnFU! }s* saop "Flllp*og*n *n Surpeol" pqsr lr araq,'i4 aseg ars o* ,**{*i3nlF?'ig.,J^t-Ij€larlB us rrr*J' p€fisu* Supq t1 ll *llqn,\ 'aj8 :.tsxnes"16 IIeJ?JSl8&e 'UF.}*J!* uB i.ro .ts ul $1 ll sHr{rt& .qi.olnEi" Js ll8.t5.J€lst*' $eJ*Jlerle oIU6 Jo dlut luarfia*oul :ng palder:e$! i! sraLl,lir aorgd oril rrluli F*islu sl l! .tsry "B;,{Uada:dp *u11pueq aql EUBatu ,,Sugpeelun la Eulp**1,,.p1',:*t1.1*,tr fu el0dula1,,e nFllsul lau s8op ,/Eqlsi& p€sE&I,. 'gssulsnqrna{ 1o }*npu$a a$ o} pa}El6t sapnp uxa3"ladal -rur,1 $qaNq raqel sql pue ned u€a'*iaq1u*ul*a.;$e ue Jgpun ru.ng 6ulee*; .loqe1 e '{qno{ atr pase*1 ucs:ad E suEaLU,ria{1ofifr F€sus-tr'St'BqlABr€ 6up*au1$*a Js lntfilt*llLta"ffi'uqlisdstr! ',{.ruqmadns pue anoqe {p} u1ps6fl assql Eupnpur usa*1fr-ms puolsealcdrepus; *t slnllpj m fiuyaplm: *,p6Jn€$!aL$ Jo po Sulsple *6ew*p "ro ftnful ueJoj rtlillqF[ sBu]nssB :,r*daruns rc reaul$m"lf,alwr" uE J! 'pB.tns'll aW qtfqffi rapu{-l {ello:a$eu.lep m funfur sry ;o a*ne* d.leurp.rdfltl s{ trrt} }l 'u"rsr}l sng$ a1 5ugg1e1to 'suog*ru1sut i* $uoliss:lp &-rtq* tqll0 :sus{leelJl$ads BuesHupmerp Jo $J*pJo a6u*qr 'staplo Bl€lJ's,{anlns'*yodal'ruotrqdc's6uple.:pd*q* 'rd€tu 's'{sJdde is Bleda:do! fiu1114 :o 'ffu1,r*:dde 'Bu;ledalg (e|Fl s0 l0 00 sHlno 6up1.le a$euep lo ,tinful .rat :edoru*X.lo ;saul6ut '13*1lp.!d tie EarlluLl*prrl !E4I tll:iuau.laarSe :o pe.liuoo ?tue ;o ped1ar11 spqau| ;ou ssop '; qder$e*eg 'JFn&AroH'Supeorr :o ss*d.r*pun rpuury'spa+paol'sqss.rl 'qlsa4 m a6pl,4 FBotllFJ ;tua Sugss$epua fuedold peoJger ituu 1o lesl CIq ul$ir'll'suogo'tado uoru;ouep Jo usficrulsuor lo InoEugspe ,efiatuep {pedord, rc lrnful Allpoq..ro; FEsllfFJ u ss15luuJ6pr4 1a4 peulee.r$e :o1ae{uoc due,tro ped }atn s*pnliul .1 qdetSere6"lusru**:Sp Js 1*a4uofrAue 1c eau*Sqe *ril tjl ,,'r4 {q pa*Cdu:qaq plRs$n tEql r{i{ilqElr E srjEau &llqellpo1 lter.lsq rno,{ uo surlre asoql dq .ro no,{dq 'pmd ui lfr €lotl&\ ril 'Fasnei si *a$eu:epdppd+"1d. Jo ,,futtfuJ u{llpoq, pql peppmd'u*lle?lugfiJs ro uoxed F4$ * *l ,a#€uJepf,p*dn:d" .rc, *,funlu; dllpcq" l*1 {ed n1 {pedraqlsue 30 I1||1qer; lot aql stuR$s€ noA quql,rrapun {{gtredFlunui B lo} pFu.rjsjlad q:rnnrl q11nrr,fillosiluse r:1 $irged;*rurr{li a tr6 uonF}UlttutgptJlue 6u1pn1*v;) ssaulsnq *nod o; Su1*gepadtuailrss:Es Jo T*sliuog Jailtro r{*e }* Uad }eff "I:truau**t$* *iuFualu!€rjJ r*l*fist€ uV .s:,,{ltcd$h:nuJ s Jsl {r€il t{1iuuo{llaul,os trl qdarxa 'dtr;gedpguniu e d luwapu;6l '**u*rr!pJo r{q patlnbal $B 'iio!}*sllq$ uv -Flpeilller d J0 lsa, 0€ ulr..llliA;* un *uo11e.radou0:trlloluap Jc us43n.4*r"!o3 r.{}frfi uol}3duuo{ ul1u*u*ar$e *supflf JB l!,tsws$ss ue Eu1pn1ru1'luaruaa:Se asr.rarll l* luaul€Eea {uy .rilHsr$&€: e )il8llapfsv -q:s3u*rn€utrto *t!{Illf, - ln t sllr€sur Fsquo€*p $u.t!-l n*Jq *l palugH €*slLrJtJdnp a$aueg BLll cl pa{qns sl Jau*lo aq} tsuoqssru:ad qlFln noA ,iq p*dnc*o Aguerodur*;g: na{ sl palusr a![Ll1r[ sastu:ald o1 r.roqso;dxa,la FututuFtt 'sJU fiq a6*uep rcj uollezpueElam uo*rad due saipuurapu! leq{i sasruig.EdJo a$sq H .!oJ l3*gil6ff srlt jo u*$ad laqi'j€*t*r$fi '*a*1ua:d Jo *$ssl s l*J l3s.liuor V "e:guefltll rililgjlil&3 Fatn*ul,..aI'1u*u.rcal6e lo FE4rJcc pr,Slo ErrrJaEeW &u11gggnj tnad ro '*r1rom .lnodn .r* ,,1tnpotd *noJ,Jo le,{oldsl .ln ;elau4snfpe 'y.r*uaregdal 'l1eda.ler{} {q ssn w p*.lols:sJ aq unl rtpad*rd qsn$ J!:1uour*a.: Sr Jo ;*s"rlusos Jo sulj*l *Lfl llulni 01 Fsllel ai{eq fioA "q"rn isn*la$uep lc alenbapsur'1ua!*13aF'a llssJep aq ot lr,l$noql ,lo ur €uH s! l*Llinri.roru .lncfrn :o upnpo.rd :nr.{ sagerod.rsiul lf 'E:arner*q Inlasn ssFl sl lo pasft 6q louus,lgi.|l ',,qJ6.!A Jfior{,, .t0 "lrnpotd rn*{. ufql ;*t1;c'fu.radord alqtfiuq susau,,;{ysdo.rd parledul;,.'1X
primarily to prouide mobltity t* permanently
attached equipment *f ths f*tlowing typ**:
{1} Air 6ompr6ssors, pumps end g*neralons,
includ[ng sprayin,g, weld,ing, building
eleaning. gcophysical exploration, llshfing
ard well serricing equiprnent; ar
{2} Chen} picfuers and similer devices used t*
rsi$€ sr rlovrar uvnrkers;
f; Vahiele,s nsl dssfrlb*d ifi a., h-, *. or d- ahove
rfiaintained prirnarily fcr purp*ses atfier than
ths {ransBartation *f pc{ssns or csryE.
Llovriever, selFpropelled v#hicfes with th*
folBcwinq types st perrnanently a8sched
aquipm*nt are not "fiobils equipnrerrt' bui wilt
bs eonsidered "&utf,s":
{l } Equipment designed pnirnarily for:
{a} Sn*w renesvaf:
{h} Rc*d ffi6int*n*ns6, bul nrt
csnstructirn nr resurfacing; or
{c} Street cleanlng;
{?} Cherry pie&er* and simitar devleen
rnsllnted sR autcmobile or hllck nhassis
and ueed t* raise *r lswar wsrkers; and
{3} Air 6**}prsssor$, pump$ *nd gener-atcrs,
including spraying" wetding, building
cleaninrg, qanpF:y*te*t *xpt*rnticn, ljghtin$
and vrsll a*rvlcing equiprnent.
However. 'rnsbile aquiprnent* does nnt include
a*y land w*hicte lhat iu *ubla*t la a enmputsorynr financial respanslb{lity ls*' sr other rnokrr
vehicle insuranee l*w wh*re it is lieenxed oa
prin*lpally garaged" Lpr:d uefiletee sub'Jecl tm a
ccrnpulsory sr financlal responsibillty {anr or nther
rn*tsr v€hiele lnsurance law are ccnsidared*aulos'.
1$,"O*aurrrn*9"* rn*ans an accjdent, including
csntinunus or repeated sxp66ure to ruhs{antially
{he sams general hannfuf ccnditicnr"
tT""Ferpural and *dv*rt!*ing lnjury" nleens
injury, inclu$ing cons..&gua*li,*f "bodily iniury",
erising sut of one Br more s{ the following
offsnses:
a. False anest, detentinn ar imprf*nnrn*nl;
b, lglalisiaus pr*serulio:,:;
c. Tha imrcngful evi*ti*n fr*m, wrongful entry
in{p, sr invssisn of lhe right rf priv*te
occupancy of a ra*rn. dw*lling cr premises
thpt a per$on or prg*nilatlon occtrpier,
eammitted by or on hhaff ot its ownef,
landlord nf lesssr;
d" Oral, written or eleetrnnic public6ti*n, in any
m&finsr, of m*tsfial lhat slandere or llbels *
per$ffl nr nrganirzation nr disparages ff
p*ruo*'r *r organieatlpn'* *o*ds, pr*duct* ol
*ervic€e:
e. Oral, written ff eleutronic publicaticn. in any
fiffn{tei, al rn*twial {hat vlcfate.s a p*rson'e
right of privacg
f. *apying, in yrur ''advertisemenf, a perscn's
or organirctlan's 'advsrti*ing idea" or style ofoadvertiser*ento; or
g. lniringement of rCIFyng|ti, sfogan, or title ofsny liter*ry sr artistie trsrk, in yburuadvgrtiseme*tu.
l8."Fsllutan{s' rngan any s*lid, liquid, gase*us or
tlranna! irrjisnt'nr eo*taminant. lnetuding *mak*.
vaporo soot. furnes, acids, alkalis, chemicals and
rryasts. Wsate in*ludss ffrat*rials tu ha r*cyeled,
r*conditicned or renlairned"
1 *. "Frsducts-curnpleted cperation* haca rd" :
a- lnsludes all .bcdily injury' and "prrperty
dsmage'cecarning alsey fraffi premi5.*s ysu
swll or rent end arlsing out nf "ynur prnducf'
sr "ytur wntk" except:
{11 Produets that sre $tlll ln yrur phy.sical
possessiox; cr
(3! Work t!'lat l'las fist yet been cnmpleted sr
ab*ndofied" Ffuwgrrer" "y*ur wmk" will ha
deempd ssmpleted at the earlisst of the
followlng timax:
{a} }Sh*n atl of lhe ws{k *alted for in ynsr
cnniract has beefl e*mpleted.
{b} When all cf the wsrk ts be dsne at thej*b site hae bBBn c*mpJ*ted if your
egniract sailE fnr urork sl nrore than
*ne j*b *ite.
{*f Wh*n th*r psrt sf iha work dsns st s
job slte tras been put tn i[* intended
use by aily Forssn *r orgenixaticn
other than anaiher contra*tcr sr
xubeontractor working nn th* ssrne
prcject.
Work *rat msy need Fervice,
r*aintenancg, forection, rapalr *r
r*plaeement, but which is otNrerwise
*.sn*pleie, will be lreaied a$ completsd.
b, trpes npt inslude .bodlly injury" or oprcpnrty
darnaga" arising out of:
{l} The bansparieticn of pmp*rty, unl*ss the
itrjury *r d*mxga *ri*es nut *f a c*ndiii*n
isr or on a vehicle nct ownad nr operated
by ysu, and that cilnditiofi lvas erest*d by
tlte '-lcading or unfoading" of that vehicle
b],any inpured;
{tl The exlstenee sf lcols, uninstalled
equipmxn{ of abandrned sr unus*d
msteriats: or
{Sl Frcducts *r oB*ra{ians for whEch ths
cNassification, listed in ths Seclardti*ns or
in a policy Seh*dule, slates thai produc,t*-
Fage fll of 2l HG 00 0l ss rs
cornpfet€d sperations are subj€ct tn the
General Aggregate Limit,
?0. "Froperty damage" m6ans:
a. Flrysi*al Injury to tnngibte prcpo,rty, irrcluding
all resuHlng l*ss sf use of thal property. All
such hes nf uss shall be deemsd tc oscur st
the tlrrne *f the physical lnjury that caused ili
0f
b. Lnes of u*n nf tarrgible pmpsrly $lat i$ roi
physically injured. All sush iqss of use shall
ba dasnlad to ccrur xt tha tlmc of th*uoccuffenc8n that caused it.
As used in ihis definitisn, c*mputerized o'r
elecirnnie*f]y star*d data. p{ssrame cr soltwaro
are not tenElble prfiFerty" Elsctronic data meafta
infcrmnti*n, fscts or prograrns:
5. 5iorsd a$ 0r *ni
b. Crealed or usad cn: sr
e. TransmiHed te orfrnm:
ccn:puter softsrrer*, ineluding *y*t*rns snd
appli**tiuns sofiwaro, hard or f{oppy disks. GD-
ROM$, tapes, drives. cells, data prncecxing
dsvic€s or asry oth*s m*dia whieh *re usad wilh
eleckonically controNlad equip,ment.
El."$uit* r$eans a niui! pr*ceedlng in udriclr
damagax be*auae of "b*diiy injuqf. 'pr*perty
darfiage" or "pgrgonal and sdu*rtislng lnjury" tn
whi*tr this insurarce applies er* all*g*d. "Sa"rif
iFrch.:des;
*. An arbitration proceeding in itghich sueh
d*rnaEa* are clairn*d and t* wFri*lr th*
insurad Ffiu$t srJbr?lit *r dsas *uhmil with sur
csnsenl;0r
b" Any *th*r elternaUve dispule resctutinn
proceeding ln which such damag*s ar6
clainred and to which lhe insured submits witil
sur eons6nt.
X?."Tempornry wofker"' rnaafls a p*rssn wh* is
ifl.lrni*h*d ts you {q substitut* for a p*rmanent*ernployee" on lsav* crr tc rneet seasonal nr
ehort-ternr wor*lced sonditi nns.
ES,"Volunteer v*orkef mnan$ a person wb:c
a. ls not yfiur *en-rploye*";
b, Ds$Et*s his or her wark;
c. A*t* *t th* dir*rlion *f *nd wiFrin the *ccp*
of dulres determlned by yuu; *nd
d" ls ns{ psid e fe*, *alary sr olher
ccrnpensa[icn by yu+r flr anyene else fnr their
work performed {or yau.
2{. "?cur product';
a, Means:
{f } Any gsods or prcduct*, ether lhan real
property, manufactured. sold. handled,
distributed or disposed oI by:
{x} You;
{b} S{hars tradirrg un$er y*ur r}sffts; or
{cl 'e Fetssn or organieation r*hose
Su*iness sr a$$Fls yfiu hfiva **quired;
*nd
{2} CCIntainsrE {nther th*n v*hic}es}"
m*tsrisfs, p6rls sr squipr$Fnt furnished in
c*nnsctio'n wiith sucl'r gacids or products,
b. tnsludes
{1} Warranties or representatirns made at
*ny tlme wilh ras:poet lo th* lltns*s,
quality, durabilig, parionnance sr use of
"your prudu*['; *nd
{3} The provlding of *r f*ilur* tn prnvide
warnings nr instn:ntirns.
e. Dn*s nct inelude vending mschines rr siher
pr*perty rented te cr locat*d for the uss af
*thers but nct sCIld.
3S. "Ysur wcfk";
E, Msane:
{1} Work *r operaliona parfonn*d by you or
0n y6r.rr behalf; and
{S} l!{ateriafs" paris nr equiprnent furniEhed in
ccr*necti$rr 'xith such work *r nperaticns.
b. lncludes
{1} Warraniie€ or repregentati*nc made atrny time wilfi r*spect tc the f]tn*ss,
quatity, durab;ilily, pe#ornance *r use of
"ysurw*r|q". snd
{31 Tha prouiding of sr failr.rre 1s prsdds
wamir$s or instru ctions"
HG {t0 u1 0s 16 Page 2t of 2l
THIS TFNtrOHSEMENT GHAHGEg THE POLIGY" FLSASE HEAO IT EAREFULLY.
SOILj|MEHSIAL AUTSilI|SBILE BROAA FEHM
ENBORSEil'IEHT
Thk endsrsement ffiodifi*$ Fnsurance prcvided under thE l*llcwing:
BUSINESS AUTO COVERAGE FOFIT*
To tha exlenl thai the pravlslcns of tlri* andsrssi'ftsnt pnovldp bnander bsnsfit* tc lha 'insursd" then nthar
Brsrisic{'ts ailhe Sovar*ge Form, the prnvieio*e of this endorssmcnt qBply"
PFLICY: SgUEt'lOL$S63
AI.FNtr.Wg$
t. BEOAD FORM I*'IST'RED
A" Sub'*ldlerle* srld $lewly Acqulred or
Formsd Drg*ntxlione
Tha Named lnsurad shc{rn in the
ileclaratiol'le ie arnended to incfude:
{f } Any legal busin*s* enlity sther than a
partn*rship cr ioint ysfittlra, lnrflnad aa a
*ubsidiary in which ysu have &F
owrlsr*hlp Intprest cf mers theil $CI16 en
the effeetlv* date al lhe Snvcrag* Forn,
Howaver, th6 ttremed lrrsured dma nol
inslude eny rubeidiary th*t is an
"insursd" undrr eny gthef aulcmpbile
Fsliey ot uvauld be ari "insr-rred* under
ssch a pllry but for lts lerminatiqfi or
the sthnustian of its Umit sf fnsumnce.
{8} Any *rganiaaticn that is acquir*d nr
fcrmed by you and Guer whieh you
ffiaintain niaiorrty ownership. l-{ow*v*r,
thE f{emed lnaursd dses not include any
newly fsrmed or aoqlrired organiaetian:
{cl Thet ls a p*rtn*rship ar joint
vBnlure,
{b} That is an "ineured" undnr any other
prlicy,
{r} That has exhausied it* Llmh of
lnsumnce under any olher p*licy, *r
{d} 1$0 days or morr} *fter lts
rq$isltlsil nr formaticn by yqu,
{"tnlese y*u have glven us notice of
th* anquisition or f*rmati*:rr.
G*v*raga dss* nst apBly ta ''bod,lly
inJ$ry' ct "propnfty dxnnage'' that reeulis
from *n "sesid*nt" thal oeeurrad befn,re
you foromd or ecquired the organizatio,n"
S. Employees fis lnsureds
F*ragraph A.t, - W{O lS AH ltl|8uRES - *f
$ECTIfiru II - LIA.BILIW COVERAGE is
anended tp add:
CSMNEHfi IAL AUYO*ISBILE
*tA gc .t6 0s tt
d" ,4ny "*nnploy*nn cl yuurs whll6 $sing a
covered *auloo' ycu d*n*t nwn, hire sr
bsrrow in luut busineee *r lrour
p*reonal sffairs"
C" Le**or,r as lnsurgdr
Far*graph A"!. - Wl'lO lS At''l iNSUfiFF - sf
Seciion ll - Llcbility Scv*r*g* [s a,rand*d lo
edd:
*. Th* ias*or qf a covetad *a*l*" while the
"&rit&u ig leaxod to you under * wr.i$*n
*greement il;
t1) The agreernent requfr*s you ts
prcvlde dirrct primary insur*nce lar
ll"re ls*sdr end
{S} The nauls'' is laesed *dth€ilt n drluar.
$r.lch * leasgd 't&uto'n wlll bt gunai$erad a
cover*d 'n*u{#' you own and not a covored
"auteo ynu hira.
n, Additiefi*l l*ured if Hequhed by Cnntract
(1) Faresrapl'' A.'i. - Wl{S l5 AN il',SUAHn
' *f Section tl - Ll*bliity Sou*rag* l*
amrndd to *dd:
f, When you have ngreod, in a written
contract or rrvrflfpn agr-*ament, th*t a
pers,orx rr organizatlcn be added asftn xddiilonal insa$ed fin your
businaes auta p*licy, *u*h p*son cr
organlzation is gn "iflg.uredo, but onlytfi ths extenl such penon sr
otgsniEati!'n i5 liable for lbodily
lnlurt'' or 'FroFerty demage'' caused
by ihe ccndust of arl "insptred" under
ParagraPhs a. sr b" Ef t#h+ ls &n
lilsured with regerd to the
owner*hiF, rnaintenanca nt sse *f a
eguerad "gutg."
& ?011- The Hafiford {l*elude* copgrighted matrsrial
sf l$G Ftoperties* lnc., with its petmission,)Form HA SS 18 P3 12 Fag* 1 ol 5
Tha lnsurancs effordod to *ny uuch
edditicnal ingurfid applles only if *he
"bodily injury" or 'propeft/ darnag6'
6ecursl
{1} Suran* th6 Fslicf period" end
{2) Subsequdnt lo th6 Bxdcution of such
r*rtit*n contract, and
{3} Pricr to the expirnLlcn nl he perisd
sl tlrns thst lhe wrlttan {*ntmst
requir** sueh insrlranea be prnvidod
to tha 6dditional insurad,
{21 Haw t-imitc Apply
trt ycu hava agread in a writl*n contraetor writlan agrrenroni thal another
poraon or organiaation be added as an
additioftal insursd oE yoi:r pofi*y, the
most ws will pry on behatf of eu*h
additi*nal insured is ihe lessernfl
{a} The limits of in*unance specifi*d inthe writlan conlract or writtrsn
aEreernenti or
{b} The Lirnit* *f k'tsuiance shsvrr in
ths Feclsratinne.
SeJsh arnaunt shell bB * part 6f and nst
in addition to Limits ol lnsuranne shown
in the Declar*tion$ and ds*Bribed in this
Section"
{S} Additional Insureds Other lnsr.rrance
lf rve c*yer a elairn or "gull1 und*r this
GEvgraSe Part tha.t rnay alsa be seversd
by *ther i$s$rance available to an
addi{innal insured, such additional
insured mu*t submil sueh dairn or "guit*
tu the *thar insurer for defense and
indemnity"
l{pwevE4 this provieion dres n*i apply
ts ?he ext*nt lfta* yau have agre*d iR a
writte* contract cr writlsfl ngreement
thet lhis insurence is primary nnd ncn-
conriblrtsry with ihe addilhnal lnsilred*s
swn insurnnce.
{4} truties in The Fvont Oi Aeeident, Glairn,
Suit or Lsss
lf ynu have agreed in e wdllen eomtractor wri*t*fi agr*arn*Rt thal flftoth€f
psrs*n or orga*leation be sddad as an
additional insured on your policy, tho
additional insurod *hstl ba reqirirsd t&
campiy with lhe provisl*ns in IDSS
c0NHTtCI,NS A. - pUTtES tru THg
EVENT OF ACfiIDEruT, CLAIM , SUIT*F L$$$ OF SFCTiSN tV
fiUgINESS AUTA 0Or'IDlTtCINS, in trre
$ame mfinfi€ra$ the Named lnsursd.
E. Frlrnary and N*n.Contributcry if
Hequired by *antrnct
OnNy with raspact lo lnsurenea p{ovBdsd to
*n edditinnal incured in 1.D. - Additi*nal
lruurcd [f Reqrjlr6d by Sentrffct. th6
f*llnwing prnvi*ions apply:
{3} PrimanJ l*surfinca lVhon fi*quirBd Ey
G*ntracl
This lnsurancs ls primary if you havo
*gre*d ln a writtsn csnirect *r writtsn
*grdemsni ihnt thl* lrrsursn*s bB
Frimery. [f oiher insurartce ig alan
primary, we will rhsrg r*ilh all thdt s&er
lnstrrance by th* nrethod dsseribed in
&ther lnsuranca 5,d.
(4) Frirnary And t'Jon-Cnnkibutory To Other
lfisurance When Flequired 8y eontract
lf you have agreed ifi a wrjtlen contract
nr n'ritten agreernenf that &ig in5urence
ls prirnary and non"ccntributary wlth the
addifionaf insuf'pdh ewn insurance, this
insunense is primary and wa wjill nols*nk esntribution lr*m that cther
insuraRee.
FaragraBhs (3| and {4} do nrl ffpBly te Fth*r
lneurance i* whkh ths ndditianal insured
has besn a*dad ss en additional insrrsd.
When thi* insursnee is excss€, we will hav* nc
duty to, de{end the insur€d egainst any "$uif if
any uther insurer hae a dury to clefsrul tha
insur*d aqeinst t!:n[ 'sltit'r" lf n* etl:pr i**urer
dsfends, w* witl undsitaks tro do sr, but ws wiNi
be *ntitfsd tn th6 lrTsured'€ dgh{s egainst *l]
thss€ sther fnsurers.
When this inaurance is 6xr&ss ovar *l,h*r
lnaursn*a, w* lvilt Fey snly *st share ff {hs
amourll o{ th* }nss, if any, that sxceeds ihe sum
of:
(1! Tha t*€f effisunt that attr sueh $thBr
irr*urance wauld pay for the lcss ln the
*brenee *t this irraurarles; and
[f] ThB tctal *f all dedu*tibls arrd self'lncur€d
Brno{Jnt* under all that other insura*ce.
Wp wili share fis ramaining l*c*- ii any, by til*
mslhod des*ribed in Other lnsura*oe 5.d,
T. AUTN$ NHHTHN FTHMPLOYHE$
Any "&uts'' hired or renied by your "arnplayoa"
sn ysur bshalf and ai your dirsatinn will be
eonsidered an "Eulo{ y*u hire,
Tha OTHER INSIjRANcE Sondltirn ie arnendsd
by addlng th* fsilswing:
rEi 2*11, The Fiartford {lnrludes copyrighted rnarerial
s{ l$O Frnperties, lnc", wilh ils permisFicn.}Form FIA 9! 16 03 1S Faga g $l 5
lf an I'omplayee'*h personul lnsur*nce al*n
applir* trn 6n axc*sg basis lo a cousred ''euki
hlred or rsntdd by ynur "&inploy&6' on your
heh,eF and st lisur dlredion, lhls. ineuranee ryillh€ f;imery to the ''srnploy8€'*o per*n*ai
insuranse.
fl. AI/&HHFHn FEkLOlJtf HiSpLOVgf; EXCTUSIOH
EXELU$IOTI 5. . FELL$W EFdFLOVEE - of
S€CTION ll - l-lABlLlTY COVERAGE d*e€ not
apply if you have workers' ctrnpe{lgdfion
insurance in.fnrc* coveri*g *it 0f y6ur
uemployees",
Goverage is excess sver &ny btirer eu,llectibfe
in*uran*e"
4" FTIFSD AUTO FHYSICAL PAPilAGE CSVSFAGE
lf hired "*utosu ars eoyergd *il{Jtss" fnr Lkbility
Cnvaraga and if Comprohoneiva, Sp**ifiod
GeilssF of Laca, sr Cofligion covsragsc arg
pr*vided under this floverage Fotm lor any
"Er-lto" you own, then the Fhysicaf Damage
Goverages pravided are extend+d to .auto*'* y€u
hlre orbansw, subj*ct ta the fEflswing limit,
The rns.st we $dll pay lcr "los,s' ts anf hiredttgut6lr i$;
{1} $lsCI,iloc;
{A} The actuaf sesh value of the darnag*d sr
*tolen poperty atthe time ol the ilvss,,; fif
{$) The ffist sl lepalring or reFlacing the
dErnaged sr st6[€n Fr*F€rlry.,
whi*hreuq.r iF smallea| rni,nus a dedus$ble, The
deduclible witl be aqualtc dre largest dedur'rib[fl
applicabte to any swnsd Fautoo' for *tsl
esveragg. l\l* deductible appli*r to 'lqss" seused
by fire ar lightning, l{ired Autc Physical Farnage
Eoverase is exeess sver any other *nll*clibfe
ineuranr*- $trbj*ct ta lhe ah*ve iimil, d*du*iibl*
and exwe* prnvieicns. wB wlll provide crvsr&ga
eqsal to the brsades{ cov*rngs npplicabie to eny
ccverad **uls'' ysu onrn;
l{e wlll aleo cavsr loss of uso ol the h{red *autcd
if it resulls from an naccidsnt". ycu ara legally
liab[a and trha lEsssr lncurs an aetual finanefal
lrss. subject to a rnaxlrnum nf g10OD per
"ficcidgnl".
This axlsnsion o[ c*v*rag* dn*s no{ apply tc
&.Ry*aut6" yo* hire nr bonow from any of your
'!amployoes'', parin*r* {lt yru aro e Ferln€rsftip},
$rer*ber6 {lf yuu are a lirnlted }iabllit} mmpenyi,
prmernbers cf lhelr fuosrgsho,lds.
$" F}iV$ICAL TIAMAGE " ADDITM!{AL
TEffiFOft&HY TRAH*FONTATISITI EXFE {$E
CSVHR&G€
Paragmph A.,4,a. of SECTION lll - PHYC*CAI-
FAMAGE COVERAGE is er*Bfldsd ta prcvlda a
llmlt nf $50 p*r dsy snd * m*xirnum ltrnil *l
s1 $ns.
$. LOAHII"EASE AAP *OVEHASE
Under $ECTION III FI-IYSICAL DAMAGE
COVEFIAGE, in th* evBnt sl e ifitel "[os#' io s
cwsr*d "*uts", t*e will pay ys,ur addlliona{ l*g*l
obiigstlsn for xrry dlffsrenea bFtvr*6n ths actual
cash uglue of lh€ "aulo" ilt ihe fime nf the "lossn'
*nd the ''aut*taltding balans6" rf Fre loarifieas,e"
'Outstandlfig balanee* msg{1* lhe arrnunt you
firrye on the loenllea$e nt the tirn* sl "lgss. lless
afiy &rnsunE r*pres*nting texes; overdue
payrnenk; penatties, interest ur charges
rexulting fr*m rverdur payrRents; addih*nal
mileage charges; axce$s rrr'ear and tear charge*;
lea*p lerminatipn fses; s*curity deposl{s nol
retr.rrnsd $ ih* le$sor; cosls lnr enlended
waranties, cr*dlt lifa lnsuranes" health, aneidenl
*r disability insurancs purrcha**d witlr ths lann or
lsace; ar*d ceny-ovsr balancss lrom pravFrue
lnsngcr lse$e$.
?. AIFFAG COVEHAGH
lJndar Fxragraph B. EXCLIJSIO]I$ - sl
SE*TISN III - FI.IYSITAL FEh'}AGE
COVERAGE, ths fo{lowing is addad:
Tha axclueion rslafing !n mschsnicalbraakdnwn
dsss n*l apply tn tha accidantal di*eharge rf an
airbag.
8. ELECTESTdIC EOI.'IPI$ENT , ENSADEI{IB
SOVER&G€
s. The excsplionc ts Parxgraphs F.4
FXCi-USffiNS - cf SECTIOi'} ltl - PHYSICAL
OAMA&E *OVERAGE ara replaead by lhe
fnllcruing:
Exclusiofls 4,s. and 4.d" dn nrt apply tn
aquipnient deslgn*d 1o be upereted *olaiy
by usa o{ ths p*'wer frorn the "aulo'#'
elebffic*l systern thfit, at the tirne sf "l6s3r'n
is:
tl: Farman*ntty irrsleltad in nr upcn
the covered nputf,";
{A} ffernouabir fro,m a housing unlt
which is permanendy inetalted in
sr uFon &e cqversd Fai$#n'
{3} An i*tegral Fsrt of the sarne unithausing any eledrcnic
egsiFment deserlbed ln
Paragraphs (tl and {2} ebove,;or
e 80"{'!. The Hartlold {lnclud** copyrigf*ed r$ararial
of l$O Prnp*rties, lnu", wilh lta permissicn.)Fo'ln HA SS {603 12 FagE 3 ot 5
(4! Neccssary {or ths nornsl
oporatian af the covared ''auld' or
tha rnnnitoring of lha coverad
"&lJtobn' aparating *yet*rn.
b.Sedion lH * V*r*ion *S fiCI S1 03 l0 trl ths
Businesx Auto finv*rage Form" Phy*l*al
Damage Ssverage, Limit of lnsut&nr*,
Paragraph C.l arrd Version cA O0 il1 '!0 Sl of
ths Elusin€se Auto Goverage Form, Fhysical
Damage Ocver€ga, Urnit of lilsursnce,
Faragraph C are each amerded i* add ths
followingr
SI,500 is tF:e rnost we wilt pay for "lossu, in
Eny Dn€ "acsidenf,' to atl electronic
equiprnent {other than equipm*nt de*igned
soiely for ths reproduclion of sound, and
aece*surie* used with su*h equipment!
thxt rapnaduc*e, rec*tves or transmks
sildio, vlsu*i a,r datft slgn*la which, at tha
lirne of !!os$r', is:
{l} P*ffiansntly inrtaltod in or upon
the eavere* "suto" ln a !'wurfng,
rpening nr ath€r hcEtinn lh*t i l.tpt
n*rrdrily us*d by ihs ''auton
r*anulaciurer lgr ttte installation cf
sudr *quiprnent;
{*} Farnovehls lrorn a p*rmanent{y
installed !:rusing unit as desdrihsd
in Paragraph 3.*. db0ve sr is en
integral Fsrt 3{ thst s,qulpr$ent;or
{f,1 An integra!parl cf such equipment.
c, Fnr aach covsrad "&uto'', ehnuld loss be {lmhsd
to eteetronlc equipr"nent only, our obllgetion te
pay for, repair, relum or replace darnaged nr
*toleil sleekwrie equipmen! will be r*dunsd by
thE applicable deduclible shstun in ihs
Declaratisns, or Sf5$, whiclrever dedurtible is
less.
g. F}ffRA EXPEI{SE . BROAEEHED
COVEFAGE
Under Faragraph A, - CSVEHAGE - oJ $FCT!*N
Itt - FHYgIfiAL DAMASE CCVEH,AGE, we ryill
pay ferihe €fpen$E ol retunring a stolm cwered
"aute'n te y6u,
{0. GLASS FEPANR.lflJAIVER SF T}EDUSTIELE
Urder FaragraFh D.- DEDUfi'X18LS - af SECTIONiII - FHYSICAL NAfidASE fiO\IEFIAGE, thE
fallowing is added:
frlo daduetible apBlies tu glens dar*age it the
glass is repaired rather lhan repl*ced.
TI. TWO OJ IJ|OHE IIEDUSTIELES
Under Faragrraph D.- DEDUCTIEL€ - ef $EeTHF,l
JII - FI{YSICAL OAMAGE $SVEfrAGE, lhE
follmuing is addsd:
lf anuthar l-isrtfurd Flnanciat Serelcas Grcup,
lnc" company policy sr coverasalorm thnl ie nol
an aulanroblla policy ot eover*S€ {onn applias to
the ssrne "&ctrid6rrln. lhu fnllorr*ing aFplissi
(11 lf FIB deducl{bl* rjnder thie Businsss ,quts
ffnv*raqa F*nn is th€ $rnellFr {ur srnaltest}
ded#cfibla, ii uuill be w*lved;
[2i lf lha dsductibls iJrd*r this Bu*iness Auto
Sov*rag* Form ia not llr* cinaller {or
smallest) deduetiblu, it will be reduced by
ths fffior.tfit uf the srnaller {or sn'lallast}
deductihte"
13. Ah{fH0en 0uy?fis r{ THE #vEt'tT fff
AGCII}EHT, CLA|M, SI'ITOF LSSS
Tha requlrement in LCIS$ CSftIDITIONS *.a" -
NUT'IE.S IN THE EVEI{T SF ACCIDENT.SLAIM,
SUIT BF LOE$ - af SHCITlOFl l\l - BLSINES$
AUTO COf{DITISNS that you must notify us nl
an "aeeidentn applie* rnly when lh* *a**id*nt" i*
knesrrn tc:
{1} Ynr.r, if ycu ar* an individuah
{f,} A per!n*r, if ynu are a parlnership;
{S} A nmnnber, ;f you ars a lifilit€d l*ahifky
sornFa*y: 0r
(41 ,4n €xecutriue sfficer *r insurance manager, if
y*u erc a c$S$rEtisrt.
19. UHIT*?EI{?IOilAL FAILURE TO DISGLOSg
HA:AHFS
It you unlntsfitinnally fail tr direls*e any h.*eerd*
existing at the inception date of y*ur pnl[*y, we
r,vill not deny eoverage under lhis S*uerage
Fcnn because, nf such fglNurs.
1*. IIIRES AUTS. *NVEfiAGE TEFRITOFV
Paragr*ph e. of SEbIERAL DSllnlTlONS 7. -
FOtICIY P€NIOD, COVERACE TERRITGFY -of SEfrTISfiI tv - EUSINE$S AUT*
Cgt'IDiTlfiF,l$ is repla*ed btr' the faFlanring:
s. Fnr shsrt'tern hired .aulos", the coverage
tsnilffy with respect tc Liabifiry Qcuarage ls
nnywhete in the wcrld prcuided that if iheu'insur*d'sn respansibilig to pay damages frr
"'bodHy injunf or 'prcpnrg damag€" k
detprmined in a'h*il"" lh* "suli" is brought in
the united States *f Ameri*e, $re tsnitortes
*nd pr****xlon* ol tfic iJnltsd $tat** of
,Am*rics, Fuerls Rbc er Ssnada or in a
seftlernenlwe sgra6 t0.
15. WAIVHfi OF SI'FROSATISN
THAf{SFEF SF RIGI-iTS OF fiFEOVFAY
AGAINST STH€ftS TO U$ - e{ $ESTION lU -
BUSINESS AIJTO CAN$lTtOf{S i* am*ruded by
,edd[ng tha hl]o,wirlg:
e fOl 1- Tke Hsrtfntd {l*nludes copyrighted material
of NSS Properties, tnn,, with ils Bermisrion,)Form FIA gS l6 03 ll FegB 4 af 5
l{s vvaive any rlghl uf r*covery \'tre msy hays
against any Fer,s*n nr *rganiealian wilh whcm
ysu have € rvritlBn contrac{ that roqulree suelt
vraivel h€caus€ of payrn*nte wg make f*r
damag*s under this Caverage F*rm.
!fi. fiESULTAHT IUf;HTAL ANSUI$H EOVEAAGA
Ths dafinition ot -'hodily injuqr'- [n .S€CTION V-
DEFII'I;T|O$JS ls r*plac*d by the frllnwing:
'Bodily lnjurt'' means bodily inj*ry, slckne*c or
dlte*sa suslainsd by any person, irreluding
r*ental mnguish *r dsath r**ulting frorn any *f
tilSs*.
*7. €XTfHOEE CIAf{CELLATIOH e#,Nnl?lOH
Faragraph g" ol ihs EOIi,,'MON F0|-!CY
CSNDTnOT*S - CANCELLATION - apFlles
sr{*Bpt ae follows:
lt fve sancsl fcr sny {s&ssn sth*r thsn
nnnpaynrent of premiurn, ws will mail or delivsr
ts ths first Named lnsured 'nvritlen nstice nl
ean**ll*tinn at lsnat 60 d*ye befsra the *ffectire
date c{ canrellation.
IS- I{YfiR*N- ELHCTR]S, *R NATUNAL G&S
VEHICI-E PA V IiEI'TT COVEHAGE
ln th* evarrt of s letat lo$s to a ''non-hybrid* aul*
f*r which Gnmpr*hensive, $peclfied Causes of
Ls*s' fir Collision cdverages ara provided under
his Cnuerage Fonn, lhen such Physical
Darnag* Goveragex ara arnended as iotl*w*:
a.lf the atrts i5 repladed witir a "frybrid" aulo 6r
an auio powered solely by electricity pr natural
ges, wF will Bay an addltional l*Y,'i,, l* n
rnaf;innum *t $?,500, cf lfte "n$n-hybrid" ffcto's
actual eash va!u6 sr repla*emant eilst,
whichever is less,
b.The auto rnust be replac*d and a rcpy sf a bilt
of sala sr n#tr l*a*a agroam*nt recaivcd by us
within 60 calendar days ol lhe date of ''loss,"
c. Fleg*rd{ess of lhe numhsr of autns desmsd a
tstal fsss, the mrsl wc will pay undar lhis
HybriS, Elsctric, or Nat*ral Gas \l*hicla
Payment Sovenage provision ior any one
"lossu ig $10,fr00,
For th8 pilrpsse$ fif the csv&r*gs pruv,lsion,
6.4 "floN1.hlrbrid*' auto ts d*fifisd e$ e* *uio that
*ses only sn intarnsl c*mhustion *ngirr* to
rn*vs the as.rto but does *0t inelud* suloe
powered solety by elqutricity sr nalural gas.
h.A 'hybrid* auto [s d*fin*d a* a* aulp wlth ,*n
i$l€rnel cfiftbustlDfl engifia and sne ot rnote
elecffic motorg; and that us€s the internal
csmhustisfi engine afd fine or rn6ts elestrle
finlcrs td ilrcse thg *uts, or the intarnal
cnmbustign engine to charge cne $r mor€
eleclric tnotorg, whkh mcvg the ailis.
19. VET**CLE WfrAF COVEFAGE
ln th* evenl cf a tulal lsss to an *'autfru' f*r whislt
Cnmprehensive, Specilied [auses of Lcss, nr
epliiai*n Gou*r€g*s are prcuided *ndsr this
Coremga Frrrn, then sueh Fhyxical Darnage
f*vercges are arnend*d ls add ihe lollewlng:
ln addilion lu ths aclual ea*h value r[ the "auln'',
ws wit{ pay up lo $l,S00lEruinyl vehiele r,vr*ps
which ar* displnyed sn l,l'le **vered "auto" Ft th$
tirne qi tstsl lcsp. Fegerdless ol the nun'lber uf
autos daemed x tolal lose, th* nrart we wit! pay
under lhls Vehhl* Wrap Caverage prnvi*ion fnr
any on* olo$s-" is S$,$nS. fur purpasaa af this
qsvsragg provi*ion, signs nr olher gr*phi*s
Feint*d ot mssrletically affixed to th€ \,ehiuls ar6
*ot ennsid*red'rehiele hrraps"
& 201 * - The Harifnrd {lnclud** copyriglrted rnatarial
o{ l$0 Frrpertien, lnc", with its permissian.}Form HA Sg l6 B3 l:Fage 5 af 5
FSLIGY: 5?XFiUOL5S64
ln thl* pollcy tha words "ystl" flnd oyour" refrr to the
Named lnsured first sh*r.{n in the Dedaratians and
any rther p€txon or orgoniretirn quallfying e$ a
f-larned lnsured under thfs policy, t1,ly6'!, lsgf and*ouro r*fer tg {fr* atgclq lnsurance fsmpany metnber
uf Tfta Hsrtford Flnsnci*lSeMcer Group Inc. sFrown
in the Declaratinns.
Sth*r w*rds *nd phraaer that app*ar !n quntatipn
mstl$ al*a h*ve spscisl m*aning, Rsfer to
BEF lf'l lTlCIl.l$ {Sedlon Vl I }.
I}'} RETI.JRN FOR THE FAYMENT SF THE
PREMltJli*, in rslisns* upsn ths *tstannents ir th*
Deularaticns made a perl heneof and subject ic a[[of
Itrs terffrs sf thi* poli*y, wB a&re6 wittr you xs
fsllows:
SETflNH I"&GVEF^AGES
IIT$URIHG ASNHEh'IEHTS
Fr" Umbrella Ll*hillty lnsurEn*a
l" We *ill Fay tho*F *umx that tfi€ "insur*du
becnrnEs legelly obligated tn Fsy s$
'darfisg,es." ln excess bf th* 'underlying
ingurance" cr nf the 'self-insured retention'
vrhen no 'un{r*tlying in8uransB" sBpli6s,
besau*e nf "bodily injuqf , "praperty
damageo or 'peroond Ertd adcertising ir{ud
tc v*hi*h thf6 in*wsnca appll* eau**d by an*str6lrn6flra". ftut, the arno!.lnt we. wit! Bayas "d*mages- ir tlmitsd es ds$crib€d in
Seutlon lV- Ll*llTS *F IilSUftANCE.
Nn sther obligati*n or llahilis to pay silms nr
p$rf6kn aek or €e{vi6eE is cuvtred unlase
explici{ly gaulded f*r urr$er Segign *l -l8v€$TlcA,Ttolt IIEFEHSa
$ETT?.EMEI,IT"
g, This lnsurance apptles to 'h*dily iniury",oprEpedy damage" or "perssnat pn*
adverti*ing lnjury' *nly if:
a. The .bodily injurf, "prnparty dam*geu cr
'parncnal snd adwrtising injuqf oc,sr.rrs
during lhe "paliry pariod"; and
b. Prior t$ dro "palicy period''. no ineursd
lkted under Fsmgraph A. of $eellpn l[ *
Whu 8a A*r lnsun*d artd ns 'ernployee"
authorized b lulr !n give cr receiw notbe
d an "Ee*unsnce" rr chlm, k{Biv lhat tha-bodily injunf or 'property damage* had
ocsurred, in whsln or in part. lf Eueh a
listed iilsured or suthorhed "*mBloy6e'
knew, prior to the '*policy period". that
UMERELLA LIABILITY FOLIGY FRUVISIOH$
the 'badily lclurf or oprope*y d*mngao
nsa;ned, then any caniinugtinn, change
or reoumpti*n of aueh "b*dily lnjury" er
'propsrty damage" during or afler the
"policy peficd" vnll be deemed io have
baen hnown pri*r lo lhe 'poliey psriad".
3. "Bodily injurf cr "pmFart# darnage' will be
deemed lc fmv* be*n known tc hsue
*murrod *l ths earlla*{ tirn* whon *ny
in*r.rre'd lis{sd under paragraph A. of Scdion
lll - VShs ls &n ln*ured *r any'*mploy*a"
auth*rized by yeu iu give or receiv* nntiue
cf an 'ocflrrr8Rcg" or elatm:
6.- fteporlc atl, ar any part. qi the .hcdiiy
injury' or "prop*rty dsmag6' to us or any
olher lnsurer;
h" Recelvee * written or vrrbaf demand or
claim lnr damages because of lfre
'bcdily lnjury" or'*FFoperty ds*rsg€"; or
*. Ee*rme* aniare hy a*y o,ther nnsgns
that "bodily injur/ or ''pr*Ferty darnagan
has *smrned or has begun to occur.
B. Exelustafls
This policy dnes not apply to:
l. Polluliqn
i4ny rbligatinnr
a, To pa$ for the oost of invwtigalinn,
defsnse ur settlement of any slairn or
suit againsl n,ny oinsur*d" alleging aetual
sr lhreetsfred inlury or darnaga af any
nrture nr kind to p€rsons sr property
lvhleh arice* nut cf or uruuld Nlot have
rpcunsd but for lhe pollutlon hazsrd; nr
b. To p€y any "damagesn, judgments.
sett[emenl*, l*as, costs or tsxpensa$
tftxt rnay be awarded or ineurred:
l. Ey rsason of any sr.lch clairfl sr sillt
*r any *uch i*Jury sr dumage; ar
il" ln com$ying with sny autipn
nuthorired by t*w and reXatir:g la
such inJury or damage,
As used in fiis exclu$l.ono polluiion
haeard $lean$ en actuE! Bxpg$.ure Fr
thrEat cf *xposurs to tha con'aslv*, tosie
sr ntherr hannful Broperties sf anlr Sslid,
liquld, gxaaous 0r th€{rnal:
r*, Fotfutsnk;
b. ff*ntamlnanta;
Form XL 00 tl3 gg lB
&2016, The Hurttnrd
Pags 1 of14
c. lnil*nts: *r
d" Tsxic sub.stances:
Including;
$mrke:
Uapme:
Saat;
Fr.lrnes;
Arids.;
Alkalk:
Cherflisals, s*d
Waste materials consisting of ar
*orrt*ining any *f the foregring.
lUaste in*ludas matarials to bsrEcycled" recoflditisned Er
rsclsirned,
EXCEPTIOI'I
This excfuslan dsss not appfy:
it" Tn '"bodily lnlury" tc any cf 1,uur
'employ*r'*" sri$;ng nut uf and in
the cpurse af their employment by
ysrl; or
b. To injury or demegg as ln $,fii*h
vaiid and c.slleetjble "underlying
insr;r*nce' {!'lth a{ }a*st thA
minimum limits slisr,'dn ln tfie
$*hedule af Undenlying lnrurane€
Fn{lcias ia in f*rc* *nd aBpNleublo tr
{he 'ofrcurrenge*, ln sueh svent,
any *ev6rago aNf*rdad by thir pollcy
fsr {he "*ccunsncs" will be subject
to the g:ollution *xelusion* *f ths
'undarlylng ineurxnca' xnd ts *h*
*snditirns, lir*its and nther
prnvi*ion* nf thix poliey. ln th* event
thgt "underlyirrg i*ruran**o is netr
rneintained with limits oi iiability as$st f6rth irr the Sclr*dule cf
Underlying lEsuranse Poliaies,
*0vpregs uftdsr *ny sf lhs
provisions nf this exception does rrct
*Fply.
Fxeeptio'n b" d*et not npply t*:
'tsedily inr]uqf or *prnperty damagel
arising out of the actual, allegad or
lhra*tened dlccharge, disper*al,
seeparleb nrigration, relaase 0r
ssc€pe of "pollutants':
{1} That &re, or lhat *ns *o}ltfiifted
in any praperty th*l is :
{a} Being trpnsported ar towed
h'y, handled, or tlandl*d fm
mfivernent inta, onts of
fr0m, any"&uts";
{b} Othanftise In tho eourse of
transit by or en bshatrf of the
'lnrured"i or
{e} Being stor6d, di*posad of,
tnsated or prsce$sed in nr
upon any "euto";
{2} Bcfors tfis "po{lutrants' or any
pro,periy in whi*h fte
"pqltrutsftts" sru centeinBd ars
moved frcm the plac"e where
they are ase€ptpd by the
"ilx$ur*d" for mcwrngnt fftto *r
cnto any "aulon: 0r
{S} After the 'pcllutnnts' 6r anypr*p*rty ,in whicil the
''pollutaruls" are cnntpined are
movad f{cm sny 'autr' t.r the
place rvtrere lhey are finally
delivered, disB*sed sl 0r
abandcnsd by lhe *in*ured'.
Faragraph {t} above d*Es not apply
t* fuets. lubrieanls, ?luide, exhaust
glases sr sthar sirnila,r "p&l[utan[s"
that are Feeded fsr Br r*sult frcnr
the nornn*l efectri*al, hirdraullr *r
meshanicel functianinE of an nauton.
c*vars$ by lhn "underly{ng
insLtt*nssu nr it* parts. lf:
;r. Tho "pcllutaftis" estsp*, **ep.
migrate, nr srs dl*charged ur
relea*ed directly frfim an "auis"part deslgn*d by rk
rnailuf6eturer lo hsld, eiors,
receive or dispose of such
npoltuXants"'; and
b. The "b*dify injurry,' "Froperty
darnage' pr "csvgred pallutJon
c*nl *r *xp*nsa' d*e* not xrirerut of lhe operatirn nf any
faflcwlng equlpnnent:
l" '{ir *ornprs$Bsrx, purnps ar':rJgenefi*o{si irmluding
sp{fiylng. wctdlng, bulldingcleaning, geophysi*al
exp{oration, lighting ur lyell
$Enrbi'lg quiprnefi t; and
li. Cheny pdckers and similar
deuiceE rnounled nn
auhamobfre or trusk cha*eis
and us.sd ta mise 0r lslver
workere"
P*ragrapl-rs {2} *r'ld {3} fiboys dn nol
appfy tc oacridenhs" lhat mcrr away
frorn premise* owned by or rentedls an "insuredo' with respect to
"pollutantso not in cr upsn an "Fu{Bu
Fage I cf Itl Fsrm XL g0 {13 0S l6
*ovsfed hy the "undafiying
insuranc€'ift
a. The "pcliutanls' or any Bropenyin whidr tha opolMant*" ar6
oontein*d are upset" cvertumed
or d*mnged a$ a rs$.ult *l the
mainlenance or use ol the nauto',
end
h" Tha di$eharge, dl*parsrt,
se€psge. rnigraticn, release 0r
es*aBe qf ihe "pollatants.o is
eaucsd dir*otly by su*h upoat,
eiverturp or danrage.
S. ltfurkars Sompenxation '{nd ,Similar
Latry*
Any cbligatinn of the insured under a
usr*ers' eornpensati*n, dtsobility benefils or
uncrnployment uampensatinn law or Bny
sim![ar law,
3, eantr*ctual Llablllty
Li*bility aeeurnad by the "ln*urrd" und*r *ny
cantract r:r agreemenl with respert ta an
"€6cun*nc&* l*king plfrce befor* ll.re
cnntract or Egreernent is executed,
4. Persnnal And Advertising Injury
Tilir puliey dp*s nat epply to "B*rernal nnd
Hdvsrtisi*g iRjury".
EXCEFTISH
Thk exriusien dces not apply to the *xtenl
that enversge fer $ueh "pw:eonal *nd
advertising injury" is pr*vlded by ''underlytng
ln*srane*", but in n* evanl shall afty
"perscnal and sdverti*ilrg tnjury'' s.sv6rs*6
prnvided under this policy appiy ta any claim
sr "'sr.iit" to r#lrich 'underfying insuren*s"
dees not appiy"
Anir ccverege restsred by this EXSEFXOII
applies *nty to ihe EXgBftt th*t sr"rch es\€r*06
prcvided by the *underlying insurallosn is
rnalntained h*vlng timi{s es sst fsrth in ths
$chedu{e nf Underlying lnsursnce Pslls.ies-
5. Undedying lRaurance
Anf lnluy or d*rnag*:
il" Cevared by .un$ertying insurar:cel but
for any dsfensa which any und*rlylng
in$ur6r rnay **eeri b6eau$€ sf the
"insuredus' fajlure to comply with any
conditicn *f its palicy; ar
b. Frr whhh "dar*ag*$" *nuld have been
paynhle by "und*rlyi*g insuffinfa' but
frr Se actual or alleEed inrclveney nr
frnancl*l lmpairn:ent of an under{ying
insurer,
S. Air*raft
"Eodlly injurf *r "prsfr€rty dsnlage- *rislngout Dl the ownerahip, speraticn,
maintsnanc,sn us&, sntrilstmsnt ta othara,
loadi*g or unloading of any aircraft:
a. Owned by any oins*rsd'; *r
b, Chefiered nr l*ened lo any'ir:sured*"
Thic exclusion *pplies even if tha clsi{rns
allege negligsnce or other wrongdoirq in the
auperv'lsicn, hiring, employmani, tr*ining *r
mcnitnring nf athers by an insured, if thenufcurrenee" whlch caused thft "bodily
ifljury" or "prnparty d€mag** involved lha
ownershlp, maintenanse, ugg or entrustrfieilt
to uthprs of sny slrerafl that ls oun6d *r
*perated hy nr rented sr l*aned ic any
ineured.
Thia sxelu*inn dos$ rrot apply to aircraft thst
is:
z. l'tired, ehprtered or loefled with a paid
fre\ry;bui
b. lrtrot owned by any'insursdo.
This exclusicn dses nnt apply to "b,odily
inJury'to *ny nf y*ur "empl*y*es" adsing oui
cf and in the csurss n{ thelr employr"nent by
ysu.
I. tllatar*raft
"Eodily injurt' ar 'prnpertf damageu arisingout pf trhe nwn*rshlp, oF*rsllsn,
rnaintennnce, usg, ontrurtnrent tc cthers"
l*ading nr unloadlng *f any wat*rcraft.
This excluslnn *pplies evsn if the clairns
all*ga n*gligenss fir other $trrongdoillg in ths
supervlsinn, hiring, employment, ireining nr
rnanlt*ring of nth*rx by rn in**red, if thr'scfljrsnr** whlch p*use,d ths "b*dily
injury* nr "pr*perty darnsge" invnlved the
r*,n*rrhip, rRainten*r:ce, us& s{ enlrustment
ta s{hars *f any watercrafl thal is ,pwned sr
oper€t€d by *r rented *r lo.sned to *ny
insured.
This exclus{*n does not npply to:
a. Watercraft pu do nc1 orrvn that ig:
{$} Less thrn 51 f*et leng, *nd
{3! Nst h*ing uted ts cany F*r$on$ sr
pr*peity fw * eharg*;
h. ''Badily inJut' ls, Eny c,f ysur.Fffipl*5r6os" srisirrg out of and ln the
c+urse of tfieir ernplnyment hy you; or
G. Any watercraft while ashore Fn
premls** swned by- rented to st
etnlrmlled bY Ysu"
S. tfilar
Any ifijilr/ ar dam*ge. however esuaed,
arising, directly or indireclly. *lrt of:
r, War, lneluding undeslered sr civil war:
or
Fonn XL 00 03 08 16 Fage 3 cf14
b, Warlike aetlon by a mititary forca,
including action in hinderi*g Gr
defendtng xgninot a{1 e+tll*tur expeded
effack, by any gossrnrfisnt, a*vereign or
olher authnrity u*lng rnill{ary pensonnel
or otller agents; or
c. lnsurre#ion, rebellion, revnlution,
usurp*d Bsuffir, nr aetisn taken by
g*vernmental aulhority in hindering nr
defending agatnst any cf these,
S. Danrage To Froperty
"Froperiy darnnga* [o proBerty you €wn,
10, Dsnr*g* Ts Your Froduct
*Properly damage" t* *y*ur produef' arislnE
aut of it *r finy p6n CIf it.
11, Daltlago To Your Work
'-Froperty daffi*ge" to 'yuur warh' arls,ing out
of ii or any p*rt pt it and inrluded in tf:e.prcducts-eomplslod ap*rstifins h*aard-"
This cxclusinn daes nrt apFly if tlra
damaged vrsrt{ oT th* wor}r sut of which the
darnage *rises was perfon*ed 6n y*ur
bshalf by a subcontrssitr.
lX. Hanrag* Ts impalred Froperfy Sr
Prop*rty I'Iot Fhysleally lnlurud
*Froperty damage" t€ "irnpaie"ed prcpertt'' or
prspsrly that hs$ n*t been phyricaaly
injur*d, *risin* nut af:
s" A defect, defi*i*ncy, i*adequaey or
d*nger**s eondition ln "y*ur pr*du*t" ar
uywun w*fku; nr
b" A del*y w falfurs by you or afiyons
eeting on y*Llr hehetf t* per{nrm *
contrgut 6t sgre*irt*rrt in gc*&rdanda
with itc tenlls,
Thls *xslu*len dse6 not apply tc ls'se cf us*
of sthrer prcperty arislng out cf sudder: and
ac*ldental phpieal injury to *y*ur prsduc.tn
sr "yf,ur **rk" after it has heen pui to it*
lntended r"lse.
{3. Recall Sf Frodil*tro tifcr* fir lmpalred
Fropsrty
uFanrage*o claimsd for any [oss, csst or
exp€F$s insurred by you sr rther$ for the
Ioss e-f uss, withdrav*al, reeall. in*p*ctlon,
r*pair, replacement, adjr:stment, remnsa! or
di*p*s.*lcf;
il. Your Fradueti;
b" *Ysur wtrkn; cr
E, "lmpaired Pruperty*;
if su*h pr*duct, w*rk or SrCIp*rly is
i,r,lthdr*r,rrrr or recalled from lhe nrarket *r
frpm use hy any person or ofganazfftion
b*rau$e af a knovrm br su*ps*tsd dafgct,
defiel*ncy, inadaquaey ff d*ngercus
c*ndiilon rin it,
{4. €rpantad *r lntsndnd
"tsodify lniurf or 'properly demage''
Expected sr intended frsm ihe standBaint of
the "insured*.
Tl'ris *xeluslon dors not xpply to "bodily
injr.lry* or "pr*party dnrnageo resulting &cm
the us* of reasonabls {orce to pmta*t
pe$ons sr prop8rly,
15. Eruploy*r Lixbi*ity
Coverage affnded any nf yrur "emp!*yaes'for ''b*dily injury"' Dr *per*ona4 a*d
advertising injurt'':
a. Te ather "ernployees" arising olrt sf afld
in ih6 e*u{$* *I thein *mpl*Xmnant;
b. To th* $pouss, chitd, paranl, bralh*r'sr
cist*r of that "*rnployse" es a
c*n$equsrlr€ of euch 'b*dlly l*iurf in
t!-:el "ernpl*yee'"
e. To y*u *r, finy af y*ur parln€rs sr
merrrb&rs, {if you are a parlnership, j*int
venlurel, or lsur nrembers (if yru are a
lir*it*d liebility esmFaFlyli or
d. tuising sut of lhs pravidi*g cr latling tr
prpuide profes$lsr'lal health rare
garviceg.
$ubps@rrphs e. and b, of this excluninn
apply:
{lt} Whether the olnsured* may b* {iabfe as
an amp,loyer nr in any fithsr aapafrity;
a$d
{?} Tc *ny *blige{ian to share *d6rr!*ge$"
trvith Or repsy 6*rnts&n$ &l8s wl:c fitust
sfiy "der*sgeso b€cause rf the injury,
EXCEPTICIH
Subpar*graphe *. *nd b" of thia ax*lu*ion dnnot Epp[y if "r.lnderfying insura*Ge" is
maintnined pr*vidins e€vqrase lnr *u*h
liability r,sith rnini{"nurn underlying llmits, gs
deseiibed in the $ch*duta of Underlying
lnsilrance Pollsies.
16. Frcperty Eamage Ta Emplcyee's
Frrparty
ffcvor*g* aft*rdad any of ysur "sfinploye€s'
f*r 'prcperty damaE** to propa.rty cwned or
oerupied hy or r.ented or loaned iE:
a, That "er*playe*";
b. Any *f your cther'enrBloye*s':
n. Any of ynur partn*rs nr msmbers {if ysu
am a partnership rriCIint ve*lure); or
d" Any af ynur rnernbera {if you sre a
lirnited I i*bi lity company).
Fage 4 cf '14 Form XL $0 03 {tS lE
17, Unlnsured Sr Undsrlnsuv€d l$otorlste
Any clairtr f*r:
a. Uninsursd or underlnsured MotorisE
c$vsrflgs;
b- Paraonal lnjury protectioc;
c- Fr*Fsrty pr*lectinn; or
d" Any sirnilar no-fault carrerags by
whsl*lrer narne callsdl
Unless lhis palicy is end*rsed to prnvide
suc!: cnveregs,
'lS. Emplcyment Fra*tices l-iability
a. Any tnjury ar dnmage {o:
{fl A pamon firi*ing out of afiyi
{*} Refusal tn employ that persnn;
{b} Terrnination ol ihat person's
ornploytnorri; ar
{c} fn:ployment-relat€d practices,
policies" *els or *rni*sipn*, sue'h
ae but not limiisd to: coercion,demoti*n, evalustjsn,
reaasignment" dlseipllne,defarnaticn, harassrngnt,
ilumitriation, diserimination sr
malicious prcsecution directed
al lhst p€resry sr
{I} The $psuss, ehild. parent. bruther Brsist*t sf th*t psr*&fii aB &
cofi'g€qu€neF af any injurry sf
dar*age io that p6r$6n xt whorn *ny
*f the employment-reiated practices
deseribe* in paragraphs {*}" {b}, er
{e} *hnva is direct€'d"
This exulusion applies:
l. Whether the lnjury-causing event
described ln part {t} abova o*u{Jrsbelsre ernplcyment, durlng
employm*nt *r aller *rnpl*ymcnt ol
that person;
ii. Wltether the *'insured" nray be lleble
s€ fin ornpluyar or ifi afiy olhsr
capanity; and
iii" Tn any obligation ts ghar*
ndamages'' with CIr repsy someens
elee whs must FEy ndar*agesn
bcceusE af tha injury,
't9. Employe* Retlr*mant In*onne $a*u*ty
Aet
Any lirbility arlsing out of intent]onal pr
dnint8fi,tisn6tsiofatlon of *ny provial*n of th*
Ernplnyee Retjrernent lncoms Security Actol 1974. Filbii* Law 93-40€ {eomrnCInly
refenrsd ls a$ the Eevision Ant ol 1974), or
a*y amendmsnt* tp them.
30" Ash*stos
Any injury, daftags*, loss, Bsst sr expsnsa,
inelucling but ftst timiled to "bcdily inju$',
'praperty darnaga' ff 'perscn*l and
advertising 3njury" arislreg aut of, rr relaling
t0, in v{hol6 ar [n part, ths "ss,bo$lo8 harard"
that:
a. May he swarded or inc*nsd by reason
of any slaim *r *uit alloging ectuel sr
tl':reatsned iniury or damage of any
natrlre Er kind 1s p€rs*n$ or prap*rty
whicl"r iryeuld nnt hat6 sesurrgd in wh*t*
nr in part bui fpr the iasbestos haeard";
s,
h. Ariss sui *f arry request, dsmsfid. order"
sr statL,tfiry nr r*gu{atory requirement
th*i any in*ured cr olher* {esl for.
rficnilpr, claan up, tefirovs, enc.apsulate,
epntain, lreat, detoxify ff fleutraliee sr in
ar,y lvay respnnd to or as*ass th*
elf*ets cl Fr:y *'6ehes{o* harardn; or
c. fuise sllt *f any elaim cr suit for
darnages berause rf lesting fnr,
monit*r*ng. cleaning uF, rernovlng,
e*r*aps*lating, eont*ining, lrsatifig,
detnxifying *r neutralieirrg or in any way
responding to sr Es$*s$lng the effaets of
an.gsbsstos haaardF.
21. Racing And Stuntiilg Actlvities
'Ecdily injurt' or *property domage' *nbingsut af {he own*rship. operation,
rnaintenanee, upe, enbustnlent tr othgrp, nr
lnadlng *r unloedilg sf afty n6l!t0o *r'omubfl*
equiprnant" whilr belng u*ed in anyi
a, Freananged nr organired racing, xpeed
sr deffi*lltisft e0nt6st;
b. Stuntinq activity; or
c, Pr*para{icn fnr any such contesl ar
aetisity.
AA. &cesrs $r Sl*elcsure Qf Gonfidsntlfil Or
PprEan*l lnfcrmatien And Dst*.rslated
l-lablllty
Samag*s arining *ut of:
&. Arry aece*r t* or dlselasurc *f *ny
pers6n'$ or nrgonizatiEn's confidenliaN or
personal infonnatlsn, iflchrding patent*,
tr*de *esrets, proces*ing rnetirsds.
c{ls{nmsr trats, llnanclal information.credlt card infsrmatiun, hsa!1h
infrrmaticn oF any nlher type nf
*anpu btFc irif*rmsti€n; pr
fu. The lsss nf, Iosa of usa of, darnage to.
e*nuptio,n *f. inshility ln ac€es$, $r
inability to manipulate ele{trcnic daUa.
This. exclusisn applies even if damages are
elaimed lor nslili*ation csrls, ecpdit
Fnrm XL 0CI 03 0S 16 Fag* S of 14
moniiorlng €xpensas. f*r*nsic EXp&n*8s,
public relatians €xpenses Gr anf clher tnss,
eosl mr sxpense incr":rred hy ypu *r *ihers
arising out of ttrr&l urhich is described in
Paragraph (1! nr (fl above"
H€wev*r, unles* Faragr.aph {f } above
applies, Sris excluslufl dses not ap$y to
demag*s because of "baetily inju*f ,
As us*d ln this *xdusion, Bldetr*nic deta
rnefins infcrmatian. fact* or prsgrams starad
a$ sr sn, erealed pr rjs8d cn, or tranFmllte$tt *r from cornpuiar software- inctuding
systerns end applicatipns softw"re, hard cr
fl*ppy dlak*, SD-RFMS, [apo*, driver, eall*.
data prccessing devices nr any other media
whieh are r:sed wl{h eleetr*nieally pontr*lNed
aqr.r{pmant.
!3, Litnited Und*rlying Coyeraga
,{ny injury, damag€, lnnn, es*l sr expsnre,
i'lslqrding hut not limiicd ta "bodily lnjury'',
'praperty damagen cr 'peru*nal end
sdveni$ing inJu4f f*r whirh:
s, aft "'und*r{ying lnsurancr" B*fley or
p*lici*s specifically Brouid*a troverage;
hui
b, bec*use cf a pr*vi*ion sriithin th*
"underlyipg insurance" such coverage is
preivid*d el * limit *r lirfiite nf insuranr*
{hat are less lhan the linrit{s} for the
"underlying inpurense' poli*y CIr poliaie*
shov*n ofi the Snhedule of Underlying
lnsurancE F*lieies-
?4" Racordlng And Bistrlhullorr *f Sat*rial
Sr lnformstlan ln Vlolsti*n Gf Lavrr
Any injury, damage, lus.s, cost ur F&penset
ineluding but nsl lirnit*d to .b*di!y injury",*prcperty damage', or "perscfial and
adv*rtising injury" arising directly or
lndireetly out of *ny r*lFsfl cr *rnisslsn !1hat
vislsies or is alleged tc violate:
a. The TeleFhor:e C*nsumer Frpleciion
A*! {TSPA}, irr*luding any ama*drrr*nt
of or additiun tn sueh taw;
b. The C.AN-SFAM A*t of 3003, inelr"rdlng
any am*ndmenl of *r addifion tc such
!aw;
e. The Fair GrMitr Repoc'l.in$ A& (FCRA),
and any arnendmen{ *f eir additisn to
susl'r l*w. inefu.lding tha F*ir ,*nd
Aecurals Credit Transac{ion Act
iFACTA}: ar
d. Any fadarxl, $tats or l*e,*! s't*turt*"
ordinance *r regulatian, cther than the
TCFA. CA!'I-SPAM Act sf 30S3 or
FCRA and their amefldrnents and
additi*n*" tlrat addre*se*, prchibi{* crlirnii* the' printing, diu*amifi*tion,
disposal, ccfFecting, recording. sending,
tr*fis*ritthg, rurnmuniceHng 0r
distribution of materlal or lnformation"
$ECTI&H II " IHVE$TIGATIOil{. OEFENSE,
SETTLEMENT
A. Wiih raspa*t lo 'bodily i*jury', "prcperty
elamag*" sr 'per$onsl and adverliEing fnjury" l*
which this insur-ance ap$ies {whether or nst lhe
'self-insured retentisn" applles ) ancl
1, F*r which ns cfiver*ge is pr*vided und*r
any "undsrliJing inruran€*"; st
?. For whinh th6 $fidarlying lirnit* of afiy
"und*rlying lnsursn*e" prtisy hav* hean
*xhaustod soiely by payrnsrtis of "d*filagss"
heeauss cf ns€cuilEnces" durinq the "pallcy
p€risd',
W*:.l. Will have the right pnd the duty tr defend
any 'suit" agsinst the *!nsuredn se*leing
"darnagesn un acssunt t!':*rao{, eyen if eucf!
"sui{" is grcirnd}ess, falEe or fraudulgnt; but
*ur rlght *nd duty t* dafsnd *nd wherl we
haue used up the appliuable limi! sf
insuran*e in ihe grnymen| of Judgm*ntx cr
settlernents under coverages afforded by
thin pnlley;
2, Mry mak* su*h lnv**1ig*tiCIn and settlement
of any claim otr'6ult" as we deerR expediont;
3. Wiil pay all expenses ineurred by us, all
court eo*t$ taxed egain*t ths "ifi&ursd" i$
any osuit" defended by us and afl interest on
ffrB 6,ntir6 ar*ouni *f any judgmant ihersin
which aceruss aftgr iil6 entry r{ the
judgment and befpre we have paid *r
tcnd*red or depositad in court tha{ part nf
the judgr*eert wtrich dres noi exceed the
rpplicable llmlt rf lnsunance- l'towever, *r.**h
co*ts do not In*[ud,e adornays' fses.
attorneya'sxpenseS. lvttness nr expert fees"
*r any cthar expenaas *f a pxrty kxed lo
the insured;
4. Will pay all Bremiurns on apF€al b*nds
r*quirad it1 any sueh nariito, pr*rniumo cn
bcnds tn release atachnnente in any *lrch
"*uit" f*r aR fimpun{ not !n *xees* *l lhe
appliceble lirnit af in*dranse, and the eoat nf
hail bcnds required sf the "insured" beEause
of an aerident or traf{ic la*' violalion ari*ing
cut of the operatiofr of any vehicle to which
thix pnli*y *ppli**, Sut wa will havo no
obligaiion ta app{y f*r *r furni*h any such
bcnds;
$. Wlll pay all reaspnabfs exp€n$e$ incuncd by
the "i*sursd" at our request in assistlng us in
the investig*tlon sr d*fense cf any clairn or
"*,uil", ifieludiEq serual l* * fif earltirrg* n6t t0
exceed $S6fi per day per uinsuredo;
and thfi fimilLmls *o ineur€d, Exc€pl $ettlsfi*nt
ef claims &nd "suits,n arc not subj*ct to the "s€[f'
Fage 6 cf 14 Fonrr XL ilO 03 0g 1 6
insurgd rstantlcn" ftnd 6ra paysbls ln eddition t*
any apgiuabte lirnit af insurance.
The "lnsuredi *gre€.$ tc reirnburse us pronrpdy
f*r arnounts peid in settlement of *fairns or
"suits* ta the exienl that such *mnunts are within
lhs'solf"in *u r*d r*teRtisfl'"
F, You a*r6€ t* #r-t6*96 fsf th€ irrse${igation,
def*nse or settl*ment of arry elalm or "suii in
ony munky whers we may he pruvenled by law
frrm *anying fiut thi agreemenl. We will pay
defense expens€$ incurr*d urrilh rur writ{En
ssns*Rt is **nn*etisn vrith any auelr c{air* orosuil" in additisn to Eny appllcahle lirnit ql
ln*uranes. Wa will alaa prnrnplly reinnbur*e youfnr o[,tr prfiF,er sFlar6, but suhject to ths
appllcable iimlt qf insurance. ol any *e$lement
nbove tha "self-insursd r6tention' madq wlth rur
writlen cqnsenl
e. We $/in have the right to asso*iat* al our
sxF€nsg with th* "ifisuredn or 6ny undar{ying
lnsurer in the investigation, defense or
setllsmsnl c{ finy elclm *r "suit" whieh in our
npininn may r*quire payment hereunder, ln na
event, hcwev*r" will we conirihute t* tfie eost
and *xFenses ineurred by any underlying
lnssrer,
sEsTtoN tn -wHo ts AH lt*suRE&
A. ll you are doing business as:
t, An fndividu*{, yffr, and ycur spsuss are
'in*ured$", but *nly with respeet ts the
csndu$ of * bu*ine*s rf tvhich ycu xr* flre
coi€ srlpfier-
3, A pertnership or Jnimt ssniure, ysu ar€ aftoln$uf6d". Ycur rrl*mbgrc, yscJr partn*re, end
tlreir sp*uses are alsn 'insuredso, but only
with rcspe*t ls lhd csnd{..}c,t *f yo*r husiness.
3. A lifitited liahility eomFany. ysu Hrs an"insllr*d", Yol.rr rnernbers are Elss
"ln*ur&d*'" but *nly urith r*r.p*ct tn th*
ccnduct of ynur bu$iness, Ynur manag*rs
are "insureds", but only rafth rerpeet tn thnjr
d,uties as yo{Jr managsrs"
4. An *rganizetinn nther thsn a partnership,
joln! ventur* cr limiled liabillty Fsnnpafiy, yolj
ara frn "in$urgd*. Y*ur '*xaclriiy* sfficars"
and direetprs pre 'inrursds". bul only with
respa*t to thtek d{.Jties B$ ynur *fl1e*rs ordirect*rs, Your siackhoFderg are alsr
"irxs.L!r*ds'" bui only wi{h rsspect to ffcalr
liabllity as stockholders.
5" A irust, you are an "insured". Your trust€es
nre e[ss "iR$L]rsd$un but *nly wJth resf,**t ts
theii duties as lrustees.
B. Ench af the fnllowing is alsc an oinsurpd"t
1" Ygur "volunt**r work*rs" *nly while
perfonning duti*a related tc tha conduct cf
your busines$. pr FFUr lempl*yees"' rther
tharr yuur *ex*cutivs 6fflc&r$" {if you &r* an
Fonn XL 0t103 Ug l6
*rganientlon cther than a pariftcrshlp, joint
venture *r limited liahilig company! or your
rn,an*gem {lf ysu firF ,B {irnlted liabitily
co*rpany). but nnly fer acts:
ft. Within ths s*ape of their ernpl*yrnent hy
ycu or while porforrfiing du{l** r*lat*d to
the cnnduct of Xrour business; and
fo. &nly iI such 'wtunfs€r workerso' sr
'6friplsy6&$" *16 ineur*ds under
"underlying insurancen with limits *f
liability no tnsr than stat*d in ihe
Schsdule of Underlyirrg fnsuranrs
Fqlici*s, subject to all the eovtsmgs,
t*rms. *anditisns snd linritalinne af sueh
'underlying inFurance".
2. Aary pers*n nr organtzation with whom you
s"gresS. h*exuae of x lvrlttran eantre*t.
wnitieri ugreernent cr because of a perrrit
issugd by a state or pnlitical subdivisl*n, {o
prclide irxsur*n'ce silch as ig afforded und*r
tlris pcli*y, but nnly wilh recpeet ts your
*peraiirns, "your wclk" or facilitie* awnad ot
used by y*u,
Thix pr*vjsion Suex nEt ap$[y:
a" Unle*a tho wri{t*n e*nlraet or wrilten
Bgr€e{fisnt has been execilt*d, ar the
permit has been issued pncr la the
"h*dlly lnjury,' 'prrparty damaga," or*personai and adverlising lnjury"; and
b. l-jnless limits cf liabillty sperifred in such
writlen ssntraet. wrltt*n *gr6*rTlsnt #l
pernllt ia great*r thsn the [irniis shswn
for knd*rlying lnsuranee"; nr
t" Bapnd tho period ef tiine required h,ythe written csntract 6r written
agre€ffiFfll,
3. Any persnn or orpxnizatinr'r hav*ng proF*r
temporary custrdy of ycur pmperS il yau
dle, but cnly:
6, With rospe*t to llsbitity arrslng 6ut of thc
rnalntenange 0f us€ of that prCIperly;
and
fo. Uniil your leg*l repretentative has be*n
appointed.
4. Your legal representatr've if yeu die, b$t nnl)t
with respect la his or her duties as such.
That repres*nisUvs will have a{l yor.lr righls
and duties undar thi* paliny.
C, Wilh r*spoct to 'autc', Hny "irtsurrsd' in tha.underiyirug in$urance' is an 'nin$ured" under this
insurane* poliey. subjact lo al! the {i{.{:itstidn$ fif
such *underiying insurance*.
S" Any organie*ti*n you newly aequire *r fcflt"fi,
othBr thdn * p*rtn*ruhip, jrint vanturs or li*itsd
liability nompgny, and sver uhlch you maintain
finxn*ial intsr**l of more lhan 50% sf ths vrting
stcck, will qualify as an "insured' rf there is no
Fage 7 of 14
othsr $imil$r in*:rancs avaifable {o thst
organieatlon,
Horvsver:
{. Gcverege under this prclrision is sffnrsed
nnty untll the 18frtk day a{t*r lwrr acquire nr
frrm ihp ffrga{llaetisn or lhe end Ef ihe
"pol:iey period", yrrhiuhevsr is *arligr:
2. This insuranse does nnl apply to, 'b*dily
hjury" or "property dam*gc' th*t *c*r"rned
h€fors yCIu r*q*irod *r forrne.d ths
organieatirn; and
3, This insuffinre does not apply tn "perscnel
and sdlrerlising irrjury. ariring sut of an
offense committed be{brp yru acquired nr
fprm ad th€ or*Hrriffi ti*n,
E. Ea*h p*rson ur ffga*iratlsn, not included as an
'insLlredo' in Paragraphe A., B,* C,. or D.. rt$rg is
afl ";nsur*d'' in lha "undarlyinu insurano8' iH an
"iflsur€d" *nder lhis insurar'*ce subject tn alF the
larms, condilinn* snd N[r'ritr*{iens sf s*eh
"ur:derlying ihguranneu.
f,lo person *rr crganiaatlgn ls an "insurgdo \,\.lth
reBpeet to th6 mndilcl of any surrsnt *r pa$
partnarsfuip, jnint venture ar ltmited liability
Bsrnpeny ihat is nnt shswn as a Hsmsd lnsures
ln lhe Declaratlnns.
lffitlr rospect to any pers*fl nr erganlzatisn whn
is ngt an "inslltr€d' under "underlylryg insurance',
e*Ber€Fe under this p*li*y sh*![ apply anly t*
lnss in *xsess of the amoun{ of t!':e -und*dying
in$ur&fic&o *r nsalf*ingured rq,l$ntion" 6t:pti*ehls
ts yfiu"
F{nwausr, es{eraSe affcrded hy raasnr: af th*
provlsionr *et for{h ab*ve appli*s anly to the *xtent:
({ Of the wope af ws*rage pf,evidcd by the
"underly{ng in$urance'' but in nc *rreni shall
Fovet'*SB ba br**d*r than th6 scopa of e6v6r*gs
provided by lhis pc,licp and any endcrsements
auscfled herel*;and
{ll} Ths{ &r*h cnvarag8 prsvided by {he "und*rtying
ins{:rsnse" is mainiained having iimik ag sel
farlh in the Schedule of Undarlying ln*ur*ner
Palicies"
FECFtCIl{ tV. LtMtTS 0F ||,|SURANCE
A- The t-imits af lnsuranre shoqnr ln the
D**lar*tiens 6nd the rules bslow fix ths most ll,p
will pay regerdless uf 'lhe nun'lber of:
t. nlnguredso:
C. Clsims made ol "sults" brcught;
3, Ferscna or *rganl"a*H*R* maklng *l*irns or
bringing "Fuits"; cr
*, f;overages uruder ulrieh dar*ages ere
ccvered under *l-rl* policy,
E, The Limit nf lnsurance steted as the General
Aggregaie Llmit is ths moat we will pay lor tha
surn uf'darfiages", othar than "darnages":
l. Beeause rf injury *r d*mrg* inetr.,d€d wlthifi
tf're "pruductE-cnrnpleled nperations hazs rd" :
2. Beceuse of .bodily injuqf by disesse to yauruerfiployoe$" arleing aut af pnd ln tha eoursa
rf their empbym*nt by y*u; and
3. Seeause nf "bodily injurt' and "prnperty
dam*ge" arising cut of *hs *wnership,
uperatians, rnainieRance- $se, €ntruslment
tn othars, looding *r unlo*ding sf Efiy'fii.Ito*.
G, The Limlt af ln$uran&e stalFd ** th* Preducts
Sornpleted Operations ,{ggregate Limii is the
r*cst xrr witl pey for "darragas" bscguse of
injury nr darnage included within the "products-
*omplated *perations har*rdn.
D" The Llmlt *f lnsumnee sta{ed 6s ihe HadJiy
lnj*ry Sy &isease Aggreg*te Limit is tlre rfinst
we wi!! Boy for ndameE*sn beeffuse *f "hndily
injury' by di*ease ls y*ur "arnplcyexs' arieing
*ul of aqd in the rsurse rf their employrnent by
yau.
S, Suhject tc 8,, C-" sr S abave, rrshisheuer applies,
th6 EEch Se*unenc€ Limil is thg rlftsst we ${il!
pay fsr "darn*g6s' because of all ''budily injuryu,
"preperty dannage". and 'personal and
adverticing inJury" arising *ut of any nn6*0csurrBn6€u.
F" Otrr obligations iind*r this insursns* end wh*n
the applieabta Linnit nf lnsuraRea eveilabts t6
used up. lf we pay *ny amrunts fur "d*rnages"
;n exrs$s nl that Limit of [nsuranu€, you egree lo
reirnbursa u* f*r sueh aFfisrints.
E. The timits *f lnsurance of this pcliey apply
separately tE aash coruscgr.rtive annuel period
and tn any ramaining pefisd nf l6$s then '!2
rncnlhs, startlng wilh the beginnlng nf trhe .palicy
perlsd'sh*wn ln the F**l*rfition$. H*wever, lf
the 'poli,cy perind' is extended a{ler issuance ior
pn additipnel period *f less {hen 13 rnonths, rfre
*dditlonal poriod wilt be deeri!*d part of the last
pre*eding Ferind fcr lhe purpase of determining
tha Linrits of lr:eurxne*.
SEGTIf,N V - HUCLEAR ENEFFY LIAEIL;TY
€XBtttgi0fl {8rnad Forrrr}
A. The insurance da*s not apply:
t. To "hadily fnjury" *r "pr*p*rty damage*:
a, Wiih rerpaei to wlrlch sn "iRsurrad" ufld6r
lfie poli*y is a!*o en iilsured under a
nLrclesr ert&rgy ti*biliiy palicy iesuad by
Nuclear Energy Liabilily lnsuranoe
A.$saciafisn. Mutusl Alonnie En*rUy
tiability Underwrilere, Nucle*r ln$urancs
Associatlan of Canada nr aily sl their
*uccdcser$" or Hmuid ba xn ins*r*d
under any sLrch p*licy but for lts
terminalicn upon sxhaustlon rf lts {irnlt
oJ liabifity; cr
b. Resulting frcrn the "hezardous
pmpertlesu nf 'nuel6ar ffiBterisli fiRd
Fage $ *f 14 Fs,rrn XL 00 03 0* l6
with respsst tn rryhinh {*} nny persnn 0r
organizaiinn ls requir*d to ,mainlain
ftnansl*! Frnte*tinn pursuafil tCI the
Airnrnie Energy Art nf 1*S4, er *ny law
amendat*ry therecf. w {b} llr* oinsilred*
is, or h*d this prliey not bean i*sued
wnuNd be. entitled tn indemnity frnrn the
Unitad Stsies sf Amenie*. or any agsney
theresf, under any agreement enteted
intq by ihe United Statss pf $,meri*a, or
afty eg6ncy thar*of, with any psrcnfi 6,r
organlzatlm"
2, Tn 'bcdily iniurt'' *r 'prope$ damageo
resulting frsm lh6 "hazardnug properlies" of
"nuqlesr rRsterial" if:
a. The 'huclear mrl€rial" {*} is at any
"nu6le&r faellitf ownad by, nr oper*ts$
by or on behalf n{ an "insured; nr {b}ha* h*En dl*chsrs*d or diap*r*ed
{herefrsm;
b. The "nuciear m*l*ri&|" is sontained in
'sperrt fuel" on lruaste" at any timo
p*:$sess*d, hand{ed, usgd, prff;essed,
s{sr*d, transported or diepased of by *r
s,n behalf sf an "insured'; sr
s. The .bodily irtjurf cr 'properly darnag*u
aris€s out cf lh6 fLlmishirug by *n ",insured'
o{ s*rvices, n'lal*riale. paris cr gquiprnsnt
in conneclian witl'r the planning,
oonstruetion, rfi*intafianee, speralian or
u6e cf Efiy "nurlser tacilFtt', bui if sush
facility I* loeated wlthln the United
Stat*s nf Ara*rica" its tsnibries sr
p*ss*ssiorus sr Car*ads, lhil excluslan
e, epplies only tc "pr*Ferty d*n'lag*"' tc
sucl: "nuclear fa*ilitf' and *ny prsp€rl),
thnreat"
B. As ussd ir'l thi* sxclusi*n:
"l"f a aa rd uus prcp*rties' lnclude radloactive, loxie
ur *xptnxive properlies;
''Nuel*ar rnsteiii&1" rnadrlg. "6surc6 r**i*rial",
'kpecial nud*ar materiat' or "bppr*dr.lcl
rRs!*dal";
'8*urc* n:aterisl*. 'cp6cia[ nuela*r rs:ai*sjsl" snd
"by-product rnaierial" have the r*aa*ings given
ihem in the Atomic Hner$i,A*t rf 1S54 ar in any
lal* a*rendalufy ihareaf;
",Speni fuel" msans any fuel el*ment or fuel
*ompon*nt, sclid 6r !iqu[d, whictrt has beert u$€d
nr expc*ad io radlati*r* [n a *nucl6ar r*&ctsf'i
'lffasts1 means sny waste rnalerial {a}
cantaining "hy-produst r'nst6rial" other than the
tailings or waetes prndercad by th* ef;tnacti*n or
c*n*entrati*n s{ uranium ar th+rlum from any
cro pro*e**ad primerily far lts ''sorlmg rn*terial'
esntent" end ib| resulting from the operetian by
sny pbn"a*n *r organi,zaliun af sny 'nuekar
fseil:ty" lncludsd undar ths flr*t tr*po parssrsphs
*f the de{initisn sl ''nL:c}ear facititt'.
'Nuclear fauility" means:
t{} Any'nucNear reac.toro;
i*l Any eguipment or device deslgned cr us*d
for {a} separating [he isot*pes cf uranium nr
#lutorrium, {b} pr*c*ssing or utiti*ifig nEpent
flrsl,o or {g} I'landling, prurcessing or
packoglng *tv*sts";
{S} Any equlpment or Sevice uced {Br the
procestlng. fabrlcating ar allnying nf *special
nu*leer rn€tarial' if at any time the tot*l
arn*Llnt cf such mstefial in ths custsdy of
the ^insured" at tha prernises where sueh
equiprx*nt ar d6vie6 i* lseate$ eonslets rf *r
csntains mnre than 25 gra'nrn af plutcniurn
*r ur*nium ?33 *r any c*rnbjfiatlsn thsreof,
*r rnsre than E5S grarne of uranium ?SS;
{a} Any s{ructure, basin, excavaticn, premises
or plnee prepEred or used fnr ihe slsr*gs or
disposal Ef "wsstso; end iftcll,des ths site sn
which wny uf thp foregoing is i*eat*d, all
*pdrations €snductsd on such site and *ll
premlses us.ed for such *perationt:
"f.Jus.lear reaelpr" msaffi sny spparatu*
designed or used tc sustain nuclesr fission in a
self-supporting chain reaction or la cxrntairt a
*rltical mfi$* fif tis$ianaht* mstsfish
'Frop*riy d*mage' inclddea all fqrmn eif
radissctive csn{an:inatinn nf prcperty.
€ECTlSt't U " C$N0tfiOt'lS
A, Prcmlum
All premium* for this poliey *!:alt ba **rnputed in
sscnrdancs with ltem $ of lh,e ileclaraliafl€. The
premium statad 6s sueh in the Dsclarations is a
depu*it prernium *nly whieh shall be credited {s
the xrnount rf €fiy earned prernlum, &t the
close *l each "policy pericd'. ttre earned
premlurn *hallbe conrpu{*d fsr su*h p*ri*d, and
ui:€n ndtis* thdreof tc lh* f'trarned ln*ured tirst
showr in lhe Dec{aratinns shsll beeqme due and
p*ycblo by *ueh Nampd tnsur*d,
lf tt'rs to.tal eamed preffiiilm for ths 'pslisy
pericd* is less than the prernium previ*usly paid
and mora t,hsn th* rninimum premirnn. Ws sl'rall
return lc such Named lnsured ths unearnad
pnrtion paid by su*h Nsmed lnxured.
The lrlam*d inxured firsl st'rswn in the
Seelsretians shsll nraintain regnrds u{ such
iErfoffilalisn as ir necessary fcrr premlunr
€offiFutatisn, fi*d $hall c*nd ccpies sf bnrh
rec.crds ta us at the end af lhe .prlicy period"
and a1 such tlm** durlng tlr* "palicy period' as
we rnay direct.
B. *r*apectirn And Audlt
Wa *l'ral{ bc permlt*ed bui not cbligat+d to
inspect y*ur prcpedey and aperatinne et any
Form XL 0n 03 0* lE fago I of '14
ilma. Nei{hsr our rigkt to make inspectlons, nor
the making thereof, noil afly report thereon, shall
c.ons{ttuta sn undertalcifig fi{t }€ur behalf or for
your benefit cr fl-rat ef nthers tc deterrnine nr
w*nant that sueh pr*perty or op*rations are:
1. $afa;
A. F{eetthtul:or
3" ln cnn':pliance with Hny law, rule *r
regul*ticrr.
Wo rnay examine snd audit yuur hook* cnd
recnrds frt sny tima durina the "palicy periad"
cfld ext*nsion$ lflsr€of snd within lhree yeare
af:ter the final terminatiorl sf lhi* policy, iftsnlat
as th*y rel,ate tn the subject matter af this pnlicy.
e" Eutias [n Thp Ev*nt Of OEcurr+nee, *lainr Or
Suit
t" Yus must ssg to it ihat rais ere nntlfied as
$6$n ss pra*ti**bl* of an "sccr.rff*nc€n
whieh may result in a cfsir$ und*r this policy,
Thia requirernenl eppll*$ cnly wh*n ruah
"'scelrffEfle8" {s known tn e*y of the
fnllowing:
a. You sr ang additi*nal insured lhst is sft
indMduah
b. A*y pattn*r, if yuu *r arr additienal
insuraS are a FsrtnershiB:
F, &ny manag*r, if 1,ou qr an additiena!
insurad nre a limiled llability cornpa*y;
d- Any "exggulive officero or insilranns
ffsfisger, i{ you or *n addititrnal lnaurad
are a corporation;
e, Any {rustee, if you str an additional
insurnd js s trust; sr
t. An5r elactud or sFp*inted o#ieial, if yau
rr an additinnal iftsured is a polltical
subdivlsinn ar pubtle *ntity.
Tfri.* duty nppll*s *eparntely to yuu und eny
additianal lnsr:red.
Tn the extent possible, rroiice *hculd
ineludr:
a. Houf, when and whare the ncccrifren*e"
loolt daee;
b, TlnF narfi*s afld eddrarees uf *ny
injured p€r:ions and witnesses; end
c. The naturg and l*catiorr of any i*jury ar
d*magc arising out of ihe "occurrsncsn
or "&ffgngeo.
A" ff a claim is rn*da cr nsuit* is br*ught aqal*sl
any insurEd, y*u must:
s, lrnnnediately rs*ord the npacifiee nl the
*lairn nr "suit" and th* dete receiv*di
a*d
b, f,,lotify rrs ln s$itlng ss *s6!'! B$
practicable if ll:e claim i* likely tc
exceed ths affount of th* "s6lf-insured
relentioFn sr uundedying insuran€€n,
whish*ver applies.
S. You nnd any othar lnvolved lnrured nru*t:
e. lmrrredletsfy serrd u* eopiae of any
dennands. nrtlces. Furnffi#ns€* or legsl
paperfi recsiypd in connectiofi wilh the
eiaim or nsuit. involving or fikely ta
i*ru*lue s sr;ffi in BX*Ess of rny 'aclf-
insr.rrsd rgtsntipftn sr ''underlying
insuraRcso, wtrishEver ap plies.;
b. AtLthorixe us te ablein records and othar
infsmtation:
G. to*pera{e with us in the investigati*n *r
*etilsmant fif lh6 clai#t or dsfan**
agninat the nsujt*; and
d. &ssist us, upon uur reguest in the
enf*rcerR*nl *f eny right sgalnat eny
perscrn cr crganizatipn which may be
liEhle tc lhe {nsun*d beer*ss of Injury or
dar*age to whieh ihis pcllcy ff *ny.underlying insuranse" or'seli-insllred
latsflti*n" rn*y rpply"
4. No insur*d wll!. *xropt at th&a ingured's crrirn
coct. m6ke or Egree to sny **tllement for a
surfi in exce*s cf:
s. The t*let limils o{ 'underlyirrg
inEurancs": fir
b The .self-ineured r*f*ntion' ii no
''undedying insurafifiB* applias withs$t
our csns*nl,
5. Flo insureds rrill" ex**pt at lhat lnsures's
cwl wat, mgke a peyrn*nt, as$um€ any
*hlig*{i*n, sr incur any e:{f}sn*6s, other than
first *id, tvitlrsut our sons6nt,
fl. Axsistancp And Couperat{on Of The lnsured
The "insured" sirall;
1. So*rp*rate with us and ncmpl3r with all ihs
terrns arid cnnditians of this p*li*p and
3. Cocparate with any cf the underlying
insurers ar nequlred hy the tprrns of lha
'underlying insuranfie" and eornply with all
the teruns and 6snditions ther€ol.
Tha "lnaurad" shall €ni&rc& 6ny right of
csntributi*n or indemnity aEainst any persofl trr
orgenieati*m wha msy be llable tc lhe ''in*ured"
b*causa *f 'hodily iniury". -property dar*age* *r
'perscnat and adv*rtising injurf wi*h respect tn
thi$ p*ilcy sr 5n5t.lndarlying in&uian.Bs".
€" L*Ba$ Aet*on Ag*inat Ue
Nn persnn or argaerization has a right under this
pctiey;
fi, To jsh rr* ss fi pa*y or 0therwise brirxg uc
intc a 'nsuit" asking f*r darnages frsm an
ins*red: er
Fage l0 of 14 Fsrrn XL 00 03 0S l6
b. To su* us un lhls pulicy un!e*$ fill of it$
t€rrns and thase nf ttre 'underlying
ir:surance" hcve b*en fuliy e*mplled wi*h,
A persen ar organiaati€n rnay sua u$ to re*over
on afl aEreed settl*rnent Gr fin a finnl judgrnent
sgaifl$lan lneurpd; but, wa {rill not be li*bl6 for
damages that are nc,t payable under the ternrs
of thir policy *r that ar* ln *xeess *i th6 limit sfIlabitity" F.n *greed s*tlfement rn€ans a
setll*ment and release of liability signed by r.rs,
ths lnsured *nd the elaimant pr ths el*lmanfc
legal representa$ve.
F. Appeal*
In lh* event the "insilrsd" CIr the 'iFtgilr6d,$"
undedying insl{rer elscts n6t ln appeal a
iudgnnent in excess of the *ulnderfying insurance*
sr {he "*alf{npured retentlon." we msy e[n*t t*
rfialce such appeal, at our aosl and *xpense.
!f we sry eleet. we shalt be liable in addition te
lhe appiieahfe l-lmi! cf lnsuranc€. for ths:
t, Taxable co*ts;
I" Disbursements; and
S. Addi$snal interest ineidental ts such appeal;
Bst in n* event wiltrwa ba li*bl* f*r'damag*s* in
sxtress nf the applicable aggregate Limit uf
Ingurence"
lf 6 judsr*snt i* rend*red an *xe8ss *f ih6 tiffit$
of 'underlying insurance" *nd we nffer tc Fay out-
full elrsre of rurh .ludgrrr*nt, but pu *r ysu{
underlying insursrs eleet. tq appeal it" yol. yaur
un$ertying insurers or bnth will baar:
a, Th* cnst and du$ ol obtaining any nBpe*t
b*nd;
b. The taxable costs, disbursements and
a$dilional int*rest lncidentai ts su*h apBe.Eli
and
c" Any in*rease in darnages fiver the smounl
lhn matter esuld have been sstli*d for afipr
the verdic{ *ras sntered and befsr€ the
FpFeslwas filed"
€" Othcr lna,ursnee
This policy shall apply ln Hxd*ss *f all*underlying in$Hr*nfe' wh*ther or nut vslid snd
eollestthi*. It *ha!l al*c apply {n *xcrss of ather
valid and ccllectihle insuran*e {*xc,ept other
lnsurance purehased rpecifi*ally tn appty in
sficess of thi* iresuranc*) whi*h al*o *pplies to
any lna* for whlch ir:surance Es prcvi.ded by this
pollcy.
Th*ss 6xe*$$ pr*viai*ns dppJy, whsther suah
other insuranc* is stated ts he:
t- Frirxary:
g, Contrlbuting:
3, E.xcese; sr
4. Contingent.
*1. Tranrfer Of Rlghts Of R*covery Agalnet
$lhers Tc lJs
{. Tranafer ftf *lghts Of R.recveqy
tf tl"le in*urcd hes rlghts to r66s$er 6ll *f a
pad nf aft1' payrnsnt we lrave rfiade undsr
this pslicy, lhose rights sre transferred to us.
The incur*d fiust do nnthing after a loss ts
irnpair lhem. At sur r€quest. fie insured will
bring 'suil" cr transfer ih*s€ rigirts to ug and
help us snfrree tfusrn.
a. Recoveries shsll be applied lB
reirnburga:
{11 First. ony !nicreat (ine,lrrding fia
Nsmed lnrured] th.*t paid any
*rfisunt in *xoe*s cf o*r lirnlt *f
liahi{ity;
{2} S*cced, us" along v,rith any nther
ins*r*re having s qu*tn $hd{s
interest at the sarne level;
{3} Thard, *uch intereats {ineluding the
Narned lnaur*d! ftl whsm thi*
'insl,rance is excess,
However, a different app*r{ionn:ent rney
bs nrade to efuct s€ttl€,msnt of a clalrn
by agreernent signed by all lnturests.
b. ftees-onable expens€$ ineuned in the
exsrcisu of righls of rncovory shall ba
appcrtioned arylnrlg all interests in the
ratio pf their r*spretivc l*s.aes fsr which
recovery is s*ught,
2,. Walver Sf Rights Of Reccveryr {Waiver ftf
Subragatlonl
lF tl'!6 "intilrsd' h&s vrelvad any rightr of
recsvery agai*st any pers$n or *rganizafion
for all cn part of any paplrcnt wa hava rnada
undpr this policy, we alss waire thai right,
prryvided the Insurud" walwgd *reir light* of
reffsvery againsl *rch person trr
*rg*nixetion ,in a *antracl, a$fraement *r
Farmit {hst **r sxee*tsd prior ls th* injuFy
*r damfige.
l. *hangeo
Thlu poltcy ccntains nllthe *greeman{s b*tsye*n
ycu and us csncsming ih* insur*nee aFforded"
{-ilotice lo any aEent, or kn*wl*dge po*r*ssed by
*fty *Ssftt or *r1y o{her person shall rxot sfi*cl a
waiver or a change in any parl *i ihis poiicy, or
stsp uf frcrfi esrcrfiilg stly r\EFrt* r*nder Fre
ternrs cf tfrls p*licy.
The Narned lnsured first sha,v\,n in the
trErlsmtiCIfiE is *utFror,ixe.d *n behall of sll*inguredsu to agree with us nn changes in ffre
terms *{ thi* poliey.
lf the tsrms ara chsngad, the ehanges will be
sFrsnm in an endarsement issued b'y us and
nr*d* * part ni fhis poliey.
Fonn XL 0{103 [S lG Pege ll of14
3. Saparatlon 0f Ineuredr
Ercept with re*pect ia the Lirnits af Liafoility. and
any rights sr dutle* specifically arsigne+* in lhis
p*licy to th* Na*rad lneursd flrst sh*w* in {ho
declarstisns, this insurence applies;
a, .Ae if each Narned lnsured were the only
Narned lnsured; and
b- Separat*ly to e,ach in*ured egainst whom
elsim ls m*ds sr "sr.rtf is brought.
K, Maintsnance Of tlnderlylng lnsuranca
Polieies affording in tstalth* csverags and limils
staled in lhe $chedule rf Underlying lnsurance
Frli*is6 *hatl be msintalned in full effest during
lhe s.urrency ol this palicy. Yrur failure tn
eomply wilh ths foregning shall nat inuaEidate
lhi* polley, but irl lhe 6v6,nl sf such failure, we
shall be liable only to lhe extent thal we rllould
hsve been ladble had you c*mplied har€with,
Thc Hamed lnsllrs,d first ehown in the
Denlsraliona shsllgiye u* wdlten nntlee sa wan
as pra*treabtr* of xny of tl:* f*llowing:
7. A*y chang* in ths coverage rr in tha limtte
sf any 'underlying insuranr*", lncluding bul
n*t limited to a ctrange frnfir s*cureRc*
Dovertlgs ta clairns mad* couerage:
2. Ternninati*n nf part sr atl nf ons sr mrre sf
the policiss of "underlying insuraflcan;
3" Redunti*n *r exhaustl*n d *n xggregat*
llmit of liability of any "underlyfng insut&ne€",
The 's*lf-l{'}sursd rntpntian' shall n*t apply
shnutd {fre "underlying jnsurance" be *xiraus{ed
by lh* paymant nf claim* *r'*uil*" which xre
*l*s **vared by thi$ F*fify,
L" G*ncellatisn
1. The tjanr*d insured first sh*wn !n ths
D*elar*[ione nrny rxncel thi* pnlicy b?
rnailing or dellvering to us or ta any of our
autF:r{xed eqent* advan*e r*riHen n*{ice cf
caneellaticn.
3. We rney ean*el thi* policy by rnaillng or
d*llvering to th6 tlar*€d lneur*d flrct shorsn
ir: the Declaratians at the address shnwn i*
ihis p€ticy, wrlllsn notlee *f eaneallstion *t
lnast:
a. 1S day* bsfore tha, effeetlv* d*te cf
eaneellalipn if eueh Hamed lnsr:ned iaits
ia pay {he premlum or any installrn*r'lt
whe* duc; pr
b. 3fr days be{nn* the effeetive date sf
*aneeltallon if we cancel fsr Bny sth6f
rea$B*.
3" lf nCItice i* maited, pr*nf of mpiling wltl b€
sufficienl prorf of nnties. f,*stice vrill stata
the effeetiva dste of cencellatirn, The.policy period* wlll 6nd on thal d*te.
freliuery of sush *otice by th* I{erfted
lnsured firgt shown in lhe Deelsration* ar by
us willbe equival*nt ta mailing.
{. lf lhe Nam*d lnsured first shnwn in the
Beclaratione sanr6ls, th* rsfund rnay ba
less thgn F o rata, but we wi{l retain any
minimum prffTriunn 6tst6d s$ sueh ln ths
Seclsratinns. lf we caneel, the refund rdill be
prn rata. The eanc*llalinn yi'fll be effrctiva
evgn if wp ha're not mads or offered a
refund,
1l{. ilnn*Flene}'ral
1" lf we deeide npt to renaw, we vrrill mail or
deliver to lhe Named Nnsured first shown in
thf, S*elsr$ti*ns, at th6 sddr6$$ shon'n in
this p*licy, written nstjre of n*n-renewal at
leest 3fr days belore the end af llle .pnlicy
perl*d".
2, lf no{ine is m*iled, pra*f nf rnailing will be
suf{lcient prc*f *f nolice,
3. lf wa offer tn renew but ssch [rl[*nre$ Insured
does nsl accept, this palicy will ns{ be
ren€wed at the *nd pf the eurrent "p6iicy
period".
f{. Worker** Cfirnp*nsation Agrecment
With resp*ct tp .badily injury' in eny affieer or
othsr err'Iflsyeo ari*irrg out ef Bfid ln the eourse
*f ernplayment by ynu. you raprssant and agree
that y*u have $nt alaroguted and r.till nel
abrdgste yaut csm*lsn{aw def*nee* under *ny
!t/r:rkers' enmpenaation Law by reje*tinn of
sLieh lslv er olharwlse. [f at sfly llmu during the
'policy perind* y*u abrngate such d*fenses, the
insuran*s irr "brdily injurt' t* such cffi*er sr
*lfter *rnFlrsyee aill*maticall3r {*rminxt66 sl the
sarne time,
O. Eankruptcy Or lnsolvancy
ln tl"ra av*nt ef trttc b.ankruptey *r in*nlvency *f
tl'le *[n*sred" cr Hfty entity c*mprising the
"inguled*, we sh*ll nnt b* rclleved o! any of *ur
*biigatinn* under Ihis policy,
P. Seprexent*tions
Fy *crepting thi* p*Fl*y, yeu asnee:
a. Thm $teterfienis ir"t the FeclaralionE sre
Atrcurrgt* a nd Completr;
b. The xtalements in tlre $chedule, CIf
Underlying [n*uranca Fcticies ars acsuml*
and cornplete;
c. The stat*lrients in a^ and b. are based upnn
f*Frss6niailtr{"rs Wtr trrad€ ls u*:
d. We have l**ued tfri* ;r*ll*y in r6lianr6 upon
ycq:r reFresentatinns I and
6. lf unirt*ntipnally you should fajt te diselose
all hatards at th6 in*e*(i*n of this po[ic,y, we
shetl not deny coverage under this pElicy
becauso of such failura.
Fage ltr of 14 Form XL 00 03 0S 16
8ECT|Ql-Ml - BEFIHITI$HS
Except sB sthsntri$e pnovided in this sscti*n or
arrandEd by endorr*rnent. the wcrdc or phrarea
thet app*ar ln quointlon markg wlthln thle p$lley
sh*ll follsw the definitinns of tfre *pplicahl*
"und*rlylng fnauranc€* pallcy.
"Accld*nt" inrluda* contin*ous or reFeatsd
exposura t* lhe sama eonditiprc resuiting in "hodily
iniury" or ?i*pgrty darfi*96".
"A6b*Ft*s hazard" msan$ an exps6ur* or threal of
exposure to the actsal or alleged prcperties of
xsbastns *nd ineludas th6 r$sr* pres,Bfics of
asb€stns in any fcrm.
"Auts" m€ans:
a, A lar*d rnrtrr vshiela, trailer sr *amitrcilsr
designed fnr tr*vel on pubtic rsad$- ineluding
any attaeh*d rnechinery +r equiFrnent; rr
h" Any *ther land vehiele ,tt':at Fs $uhisrt ts s
*arnputsnry or finrnaia! respansibility law s{
sth*r mutpr v*hiele insuran*e tsw vuhera it is
fic*nsed cr princ{pa{ly garaged.
l{o,vrcv+r, n€uto" do€$ ns!. inelude u'a"nsbil*
*quign*ntl.
"C6v*rsd polluti*ln gost or expe*se" msang eny
es$t sr expsns.s arising *r:t *f:
t. Any requ*at, damand- order or 6t€tr;{*ry or
ragulatory requirement; or
2, Any claim sr "sriit" by *r nn behaif cf a
g*vcrnment*l *utharjiit $amanding
{hat the ninsured" *r olhsrs tesi ior, msflit*r, cleaft
L!p! removg, contain, treat, detoxify or neutrsliae, nr
in any wuy ra*p*nd t*. cr *es*s$ lh* sfierts of
"po{lu[ants",
fcvered p*flu{i€il csst nr expense" dr:ss not include
*ny *us[ sr sxpsnse arisinp sut *f th* estuffl, xllagedcr lhreetened discharge, dispersal, seeFagB,
migration" relsase or eBeFpB s{ "p*[utsfil$":
{l} Th*t *rs, sr lhat *r* snflt*insd i* *ny pr*perty
thal is:
a" Being transpsrted *r tcwed by" handled, *r
handled f6r ffiovernent inkr, *nin or frorn,
any nail!0*;
h. *then*ise in the catirs* af fransil by or on
bohslf of tha'ir:*uredo; or
c" Bring sicred, di*Fe*sd Bfo lreatad ff
prcees*ed in nr ilpofl rny *aut*": or
{?} Befcre lhe "pcllutants" sr fiRy property in whieh
the "p*llulants* srs contained are rncved fnnm
tha ptace whern lhey ar* accepted by {hanir"r$ur&d* for rnov*rn*Rt Int6 or orrta any "Buts";
0r
{S} After the "pollutan{s:' Br any pr*perty ln whis,h
ths 'p*lfutarr[*" ars ccntained are F]av*d ftom
any "Euto* io lhe Blece where.ihey are linally
d*llv*rsd, disposrd sf fit *b*rtdoned by ths
'1fl.sured*'.
Faragraph s. aboua does nol ap$y tu f*lels,
lubricants, ffuids, exhaust gas*s cr *ther slmilar
'pollulante- t[at are neaded for or renult from the
nonnal electri*al, hydraulic or mechanirel
funeti*ning pf flr: *autc", e.evered by lhe 'bnderfyinq
inturand€o or its part*, if1
{tl The 'pallutant*' tsscspo, eeep. rnigrals, or ar*
di*charg*d ry rele*Eed directly frcrn a* "au{o"
part designed by its manufacturer tu hold, slore.
receive or dispese nJ sur*r "pofiutank'; and
{11 The "hcdily injury." "prcperly damage' frr
"ccusred poltuti*n ec*t or sxpena** dnee Roi
arise out pf {he aperatinn of any equipment
tisE*d in paragraphs S.b and s.a, of the definiti*n
ol *mnblfe equiBment''.
Faragraphs b" and c. ab*se ds nst epply ta
"cerldents" [hsl or*ur swey frs!"n premisas *wned by
*r rerited ts an u[r'lsur*d" wilh respest to .polfutants"
ncl in nr upon Fn "#Llto" c*vered by th* "und*rlying
in*uranre* ifr
{l} The npollutxntso or any propert} in which the
"p*llutanlx' are csntairred xr* upse{, nverlurned
or darnaged as a result rf the maintenEnce *r
us* of the neutoli pnd
{e} Th* dleeharge" dispersal, s**FaEB. migrallon,
release er ascaFs of the .pollutantso is csused
direcily hy *ueh upsel, ilverturn sr d6mage,
"Samages" lnctud* pr€judgm€nt lnterest a$arded
agalnst ths "ins.ur*do on that p6rt nt tfte judgrnent um
p*y.
"Sarnage*" do no[ include:
1, Finss;
2. Fena!{ies; or
3. Darnages for whicll insumnre ts prnhibited by
the law applicshle tn ihe rorslruetjon *f thls
poIicy.
Subjeet ts the foregsing, "dam6ges" inelude
d*rnagas for any pf lli* following which rasult at *r'ry
time frum "bcdily iniury" to whiqh this pdicy applies;
J. Seath;
I. Mental anguish;
3. sh$sk:
4. Slsability; m
5. Care and loss o{ services or c,onsortiurn,
"lnsursd" rnsans Eny person nr nrganirallon
qualifying as an i*sufed in lhe applicabl* WHG lS
AN lN$UR.E$ provision ol this policy, The insursnee
af,f*rdcd *ppllea **parately tu *a*h "lnsl:r€do againsl
whnm elsirn is nrade cr "suit" iu brnught. ex*ept wllh
rerpe*t to llre Fimit st our liablllty under LIMITS GF
IN$URAr'lGE {gEeT|Or'l I1/}"
"OccunencB" nleans
1, Wrth r*spect {o "hsdilf injut"y" or 'property
darrag*": sn *caldent. ineludirry continu*us or
Fomr XL D0 03 [816 F*ge 13 of '14
repealed sxBo€urfi tB substanti$ly tho **mu
generaf harmful eonditions, and
t. With respeet to'personal and advertising injuqf:
afl offense d$erlbad in one of the numbsrad
subdirisinns of that delinition in tl"re "underlying
lnaur&nfs".
"Pn*iey p*ri6d" rnaafis *h* perlcd b*ginning with
fhe ineeption date stated as $ueh in th* Eeelaratipns
Bfid eflding {dth {hB *arti6r *f:
t. The daia of cancallation ot this p€licyi 0r
2, Th'u *xpiretian d6ts stat*d 6$ rudr in *ffra
Declarations.
"$elf-irceurod rrt*ntlon" rfteans thn arnount stated
as such in ihe Decjaralions which ls retained and
payabls by th* "inEursd' wlth respeci to oach
"s*cuFrsnc6",
"Underlying iillurancs" rnsans the insurance
poli*i*s {isted in the Seh*Sule of l-lndertytrrg
lnsurence F*li*ies, including a$y renewsl* or
neplac*menls theresf, which pravid* the Hnderlying
eevera€es and lirnits stetad jn the Esh*d{.}b ff
Underlying lnsurance Pdieies. The limlt sf
"undarl gng insuranc*" innlud*s:
1. Any deductihle *mouni;
g, Any Fddiclpatio'n of any olnsuffid"; sfrd
3. Any os*lf-insured ra.tent!o#' above *r beneath
eny such S6liey;
Less $rs srflouiltn if any, by wfiirfi ths aggresct€ lirnitof sueh insuranse lrns been reduoed by any
peym€nt rel*ting to ony act, srF&r, omlxsion, lniury,
d*rnage &r offen,se ior whlch insursnce is pravided
by {lri* potlcy, includlng Medlcal Fxyments Govarag*
as deeeribd in ths 'Linderlyins insuranee.' The
eoversges and limite of such policies and any such
d*Suctibls smrunt, participalion or "self-ineured
retantian' shalf be deemed to be app{icable
regardlers uf:
{, &ny dafense whieh any underlylng in*trmr may
aesert becasse of the 'insured'so failure td
cornply with any nnndillon cf it* potiey: or
3. Th6 s6tu6l *r alleged insolvancy or fin*ncial
irnpairment o{ any underlying insurer $r any
"insuled".
Tl*e rieh of invrlvency or flnansl*l impalrm*nt *f any
underiylng Insurer or any 'insured'' is bome by ycu
and nrt by ue.
Fage 14 of 14 Fsnr* XL 00 03 0S lB
Terra lnsurance Company
(A Risk Retention Group)
Two Fifer Avenue, Suite 100
Corte Madera, CA 94925
DATE
0U0t/2r
TERRA
INSURANCE COMPANY
CERTIFICATE OF INSURANCE
CERTIFICATE HOLDER
City of Kent
Attn: Nancy Yoshitake
220 Fourth Avenue South
Kent, Washington 98032
This certifies that the "claims made" insurance policy (described below by policy number) written on forms in
use by the Company has been issued. This certificate is not a policy or a binder of insurance and is issued as a
matter of information only, and confers no rights upon the certificate holder. This certificate does not alter,
amend or extend the coverage afforded by this policy.
The policy of insurance listed below has 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 policy described herein is
subject to all the terms, exclusions and conditions of such policy. Aggregate limits shown may have been
reduced by paid claims.
TYPE OF INSURANCE Professional Liability
POLICY NUMBER
22t0t9
EFFECTIVE DATE
0U0U2r
EXPIRATION DATE
r2l3Uzl
LIMITS OF LIABILITY $3,000,000
$3,000,000
IEACH CLAIM
,qNNUAL AGGREGATE
PROJECT DESCRTPTTON
Signature Point Levee Franchise Agreement, Kent, Washington. GeoEngineers. No. 0410-175-08
CANCELLATION: lf the described policy is cancelled by the Company before its expiration date,
the Company will mail written notice to the certificate holder thirty (30) days in advance, or ten
(10) days in advance for non-payment of premium. lf the described policy is cancelled by the
insured before its expiration date, the Company will mail written notice to the certificate holder
within thirty (30) days of the notice to the Company from the insured.
NAME AND ADDRESS OF INSURED
ISSUING COMPANY:
TERRA INSURANCE COMPANY
(A Risk Retention Group)
GeoEngineers, Inc.
1101 S. Fawcett Avenue, Suite 200
Tacoma, WA 98402
President