HomeMy WebLinkAboutPW18-478 - Amendment - #3 - GeoEngineers, Inc. - Mill Creek at 76th Ave S Flood Protection - 11/01/2021ApprovalOriginator: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
PW18-478
AMENDMENT - 1 OF 2
AMENDMENT NO. 3
NAME OF CONSULTANT OR VENDOR: GeoEngineers, Inc.
CONTRACT NAME & PROJECT NUMBER: Mill Creek at 76th Ave. S. Flood Protection
ORIGINAL AGREEMENT DATE: December 26, 2018
This Amendment is made between the City and the above-referenced Consultant or
Vendor and amends the original Agreement and all prior Amendments. All other provisions of
the original Agreement or prior Amendments not inconsistent with this Amendment shall remain
in full force and effect. For valuable consideration and by mutual consent of the parties,
Consultant or Vendor’s work is modified as follows:
1. Section I of the Agreement, entitled “Description of Work,” is hereby modified to
add additional work or revise existing work as follows:
In addition to work required under the original Agreement and any
prior Amendments, the Consultant or Vendor shall:
No change to the scope of work, however an amendment is
needed to extend the time of completion to December 31, 2023
due to project permitting is taking longer than expected and
construction will ikely take two years.
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
$29,385
Net Change by Previous Amendments
including applicable WSST
$28,293
Current Contract Amount
including all previous amendments
$57,678
Current Amendment Sum $0
Applicable WSST Tax on this
Amendment
$0
Revised Contract Sum $57,678
AMENDMENT - 2 OF 2
Original Time for Completion
(insert date)
Revised Time for Completion under
prior Amendments
(insert date)
Add’l Days Required (±) for this
Amendment
calendar days
Revised Time for Completion
(insert date)
The Consultant or Vendor accepts all requirements of this Amendment by signing below,
by its signature waives any protest or claim it may have regarding this Amendment, and
acknowledges and accepts that this Amendment constitutes full payment and final settlement of
all claims of any kind or nature arising from or connected with any work either covered or
affected by this Amendment, including, without limitation, claims related to contract time,
contract acceleration, onsite or home office overhead, or lost profits. This Amendment, unless
otherwise provided, does not relieve the Consultant or Vendor from strict compliance with the
guarantee and warranty provisions of the original Agreement.
All acts consistent with the authority of the Agreement, previous Amendments (if any),
and this Amendment, prior to the effective date of this Amendment, are hereby ratified and
affirmed, and the terms of the Agreement, previous Amendments (if any), and this Amendment
shall be deemed to have applied.
The parties whose names appear below swear under penalty of perjury that they are
authorized to enter into this Amendment, which is binding on the parties of this contract.
IN WITNESS, the parties below have executed this Amendment, which will
become effective on the last date written below.
CONSULTANT/VENDOR:
By:
(signature)
Print Name:
Its
(title)
DATE:
CITY OF KENT:
By:
(signature)
Print Name: Carla Maloney, P.E.
Its Design Engineering Manager
(title)
DATE:
ATTEST:
___________________________
Kent City Clerk
APPROVED AS TO FORM:
(applicable if Mayor’s signature required)
Kent Law Department
GeoEngineers - Mill Creek at 76th Amd 3/Smith
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
FRTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
.ELOW, 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/YYYY)
6123t2021
IMPORTANT: lf the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.
If SUBROGATION lS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement, A statement on
this certilicate does not confer any rights to the certificate holder in lieu of such endorsement(s).
Please See Below
610-362-8530
m
206 441-6300
Seattle,
INSURER(S) 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 6 . Hartford Casualty lnsurance Gompany 29424
|NSURER c: Hartford - WC Multiple lssuing Cos 00914
TNSURER D. Great American lnsurance Company 1 6691
INSURER E
GeoEngineers, lnc.
17425 NE Union Hill Road, Suite 250
Redmond, WA 98052
INSURED
INSURER F :
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVEBEEN ISSUED TOTHE INSURED NAMEDABOVE FORTHE POLICYPERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITIONOF ANY CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE NiIAY BE ISSUED OR IVIAY 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 CLAII\4S.
INSR
LTR TYPE OF INSURANCE NSR WVN POLICY NUMBER LIMITS
A COMMERCIAL GENERAL LIABILITY
.LA.M'-MADE I xl o."u^
GEN'L AGGREGATE LIMIT APPLIES PER:
POLICY
OTHER:
PRO-JEcr I roc
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 RENTEDPFIFMISFS 4tr, ^.errrrance\s300.000
IVIED EXP (Anv one oerson)s 10.000
PERSONAL & ADV INJURY s1.000.000
GENERAL AGGREGATE s2,000,000
PRODUCTS - CON/P/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
CLAIMS-I\,IADE
X X 52XHUOL5664
(Follow Form)
06t3012021 06t30t2021 EACH OCCURRENCE s2.000.000
AGGREGATE s2.000.000
DtrN x nerpr,rrroru s10.000 $
c WORKERS COMPENSATIONANDEMPLOYERS'LtABtLtTY Y/N
ANY PROPRIETOR/PARTNEF/EXECUTIVET_oFF|CEF/METMBEREXCLUDED? | Nl(Mandalory in NH)
lf yes, describe under
DESCRIPTION OF OPERATIoNS below
N/A
X 52WEOL6H8D 06t30t2021 06t30t202t X PERqTATI ITtr OTH-trP
E.L. EACH ACCIDENT s1.000.000
E.L. DISEASE. EA EMPLOYEE s1-000.000
E.L. DISEASE - POLICY LIIVIT s1.000.000
D Pollution
Liability
X X csE21 1 13221 1 06130t2021 06t30t202t $5,000,000 Ea,Condition
$5,000,000 Aggregate
**prease Nore: rhe ri"'ii:T#},:;:Tfi'J,$:;Tll';3ii,l,1l3,ifTiliii,fi"filiiii5'Jf;lT:?#ffffffiiil liiS ru","o
lnsured, but are shown as evidence that coverage is carried with the limits at least as high as is required
by contract-**
RE: GeoEngineers Project No. 0410-206-00 - Mill Creek, 76th Avenue South Roadway lmprovements, Kent,
Washington.
(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 4lh Avenue South
Kent, WA 98032-0000
Qa-A. fu*--
AUTHORIZED REPRESENTATIVE
ACORD 25 (2016t03',) 1 ol2
#s32441485tM324391 39
O 1988-2015 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
MYPZP
DESCRIPTIONS (Continued from Page 1)
ol Kent is Additional Insured, coverage is primary and non-contributory and waiver of subrogation
as respects General Liability and Automobile Liability if required by written contract per attached
o.rdorsement. Umbrella Liability Follows Form.
SAGITTA 25.3 (2016/03) 2 ol2
#s32441485tM324391 39
)
)
FgusY l{u$aEn: 5? UUN OL5$B*COT$EHSAL AEHTFAI IJ*BtLITV
ES *0 t0 10 0t
1TIIS EI{FOBSEIi|E}'IT g}TAUGES TITE POUGY. FLEASE RSAP
'T
CAREFULI.Y"
AT}TINTIfiHAI IHSUHET} - OWHEHS, LESSEES SN
GOHTHACTOHS - SCHEtrIJLETI PER$OI{ OH
OHGAfTIZATION
Thls Erdsrasnlefi madtftq$ JaFilrence provlded undsr !l'js lBllFwjn$:
F$llili,lEft E{At &ENERAL LlAStl-lTY COVERA6E FAFIT
*HEOI.'LE
I{sn*c!Far*onurotart}rxttloni As required by written confact
(lf $f eHtrf epg$€rs frhe?B, lnlcrmatian r*quifsd to sonstete this 6ndur*srnEt:t ryill bp *h*ll.n in $s n€et8f &t16Bf ad aFFlhibl€ !s thts s,rlddr8B.
nr€nt,l
l. sa*llefi H - UFhs lF An tr:Fffrgd tb a*ieoded ta itniluda sF En
lnB{rFd th* F*rEdn er er$Enlfali$$ Ehsi{n iE thF F hsduiF. krjt
+nly with rBBFs$ xs lisbilhy srisins 6$t {rt y*$r snsroing og*re.
tionr pafarmed f*r lhat lfisur€d.,
E, W{th rsswct }p ths lr}suransr alfurdsd ts thess nddlliBnal
lnarmdi, lhr faibrvlnp sxelGsi€,n is added;
l" Eralurlsn*
Thls irl*{$*nes d6€s not *pply ra ,,b**lly inluryo or uprop.
$fty dfirnsgd Qefunlng atltef:
{ll S,i r*di, ine,{udlng mslsrl€lo! FFrtF gr squiFmFnl
furnirhe$ li $6rnq6ii*r! wilh *uch vrorh- sn 1*l€
pr*iE*d {Eiher th€fl ss$ri{*. msintenxn€€ qr s-
pslrel tg ba B*rf*rr**d by ar *n behsll ol tha {d-
dltlenel ln*madi*J al lta *lte el the e*v*r*d q-
sfsllonE fie$ bf6n romplstodl or
{S} Th&t S,flrti{s1 s{ {y,o{.lf n€{ko dut et h,hleft lh{ {nlurl
fir dlemsgs sns** fiar sssn p{Jl Ls ils ,ln!snd{{t
u** by any p6rrsn Sr srganiirslb,n slhEr lh&n fi"
6lhgr Esnlrsd{d ff ei,ts&illrsiclsr *ngrg6d ilB Fsr.
{Erftilng BFsre$sne lor x prlncipal !* a pe* e! !fis
$,e&e gnpls*l.
sG llt t0 1s st CBpydghti lns&rsfl*a Ear"ls{ fiffir€" |fic," g0S0 F*f,* { al r
POLICY: sAUUI'{OI5SS2
AI.PN fi .WSS.$l.OngOpg0S
GO tI'I tTfi ERSIAL G EH E RAL L IABI LITY COVE RA.G E FORTVT
Varipus pro,uisinns in thjs policy restricl noverag€.
Read tho arrtrra po[iry c,erefulty ta determine righls.
duties aftd what is and ls *ot covarad"
Thloughout this policy the w*rds .you* and oynuf
rafar ln lha l{am6d l**ursd shcwn ln the
Dsclaratisns, *nd any cther percon or organizatinn
qualify{ng as a ltlpmed lnsured under this pollcy. The
{r*ds \ffen, ous" &r:d "ouro r*fgr {o the stoek
insursnce csffipany mernber sf The Hartford
pr*vidlns thl* insurs.nce.
{11 Ths.bcdily lnju4f or'pmferty darn,*g*" is
ca*sed by an ooccurreilee" trhat iskes
place in l!'le'caverage terdtort';
{2} The "b*dily ir:jury" or "pr*perg d&mage"
o**ur6 dufing thfi poli*y paricd; and
{31 Prior lo the poticy p*fisd, no lnaurpd fisted
under Paragraph 1. sf $ection ll - Who ls
An lnsured aRd no 'employee" authorired
by you to glve s reseive notics of anonccuil'Fne€o or claim. krrerrv thet the
'hodity injury'ar 'prsp*rty dum*ge' h*d
$cfiJrred, ln wtro,le or in part. l{ *ucfi a
li$tsd lftsilrpd or ailthoriuad "*mp,lcy&n"
knew, prior to the policy perlod, that ihe
"b*dily lnjuilfl or "prop*rty darnaga"
occuned, ftsa gny eontinuati*n, change
Th* r#sd "insurad" nlgans sny p*rson
organlwtion qualifying as sush under Sectiun
Whn ls An lnaure$.
oril-
Othar words and phra*es that app*ar }n qurtatinn
rnarfEs ha$e speaial meaning, Refer ls Ssstion V -Bsfinitianx,
$EfiTION I. CEVEREGES
COVERAGE A EOEII.Y NNJURY AHD FNSFERTY
NAMAGE tI>LNY
1. lnsurlng Agr*am*nt
t- Vfs lrlill psy th*se *urc* that the lnsurad
becrme* lryally rhtigated t* p€y ff$ dgmflga*
hsc.xrls* of "bndily injury" otf 'prspsrft
damage* to which thie insurance applles. We
v*ill h*ve tl're r*glrl and duty trc detend the
insured again*l any "sl,rill seakirq thase
donteg*s" Hrreyer, we will ftffve no duty tr
dsf*nd the lnxursd *g*ln*l €ny 'sl,rit" *eeking
damages for .badity inju4l nr *property
danrege' lo v'lhich this in.sumnce dees not
apply. We may, at sur diesretinn, fnvestlgato
any "sccurr6nc*'cnd tettle any el*frn nr osuit'
that may resutt. But:
{1} Ths smsuRt rrue rrr*ll pay {nr damagw is
limited as d*xsribed in Sesti*n lll - Urni[E
6f lnsk rance: and
{l} S*r right and duty ta defu*d snds v,'han
we hev* ux*d r,lp tha epplic*bie limit cf
lnbura*re !n tf:a payrr:uni of jrrdffn€rlls Gr
settiernents under *oueraBes A or B or
medieal exB*nses under Eovenage t.
l{o othsr. oblig**lon or iiability to pay sum$ or
per:f*rm acts ry services is eovered unless
expl{*itly pr*vlded fnr H*d*r guppl*mantary
Payments - Caverages A and B.
b" Thte in*uranee applie* tc "hodily inlurf end
"prap*rty dam*go" only if:
hsve besn
e* "Badlly lniurt' *r "prnp*rly dafitsge" will be
deemed tD have been lcnsr,,Jn t* hsve
*csuned st tl,s e6fl;s$l tirn* uhen any
in*urad llsted u*d*r Paragraph 1- of S*etion ll* Whn |e An lnsured ur any 'empl*yee.'
aulhsrlred by you to givr or rEneivs nolice sf
gn ncccilrrence." pr clairn:
{11 Repsrts rll, or eny part, sf the "bodily
lnjury' ar "pr*porty damfifle' to us or &ny
other insurer;
{tf Rereiv*s s writt*n or verbal dernand sr
claim for darnages beeausa of th* "bodily
injury' gr .prgp€rtlr damflge'i 0r
{3} Beenrnm *wur€ by eny other means thai
"hodiiy inJury" or 'property darnage'u has
occurred or has begun tn occur-
d. Oanrages hesause *f "bodl{y injury. include
danr*g*s ctairn*d by efiy Fsrsoil or
organiaation fcr sare, lcss of servises or
d€ath rssultin$ st afly tinna from lhe "badily
injury',
e" $ncidentsl Medical Malpra*t{ce A*rd €lrod
Snm*rltan Scver*g*
'Badily injury" arising out of lhe reredering of
cr failsrp tn render the lcltoruing health car*
s*{dcFg by a*y "6mpl0,yB6' cr "vollrnte*r
workef' shall be deemed to be caused by annoccurrdftcEo fnr:
rr re*umplion sf sueh 'bodily
"prnFarty darR*gc" dilrifig 6r
pulicy period truill he deerned iq
kncvsr prior {a the pclicy pedcd.
iniurf
finer
0r
ffie
HG $0 0r u* t€
@ 3018 Tha Ftartfsrd
{lnc,ludes mpyrlghted rnaterial of lnsurance Services Office. Inc, r*ilh lts permissjon.}
?aga 1 oftl
{1} Prufessional health sare services such ss:
{a} Medical, surgicaf, dentai. lnboratorlo, x-
r,ay ot nursing ssruicec or trsatm*flt,
aduise or *nstr:rction, oe the rela{ed
furni*hlng of fo6d or hsr*rsfi&$;
{b} Any haetlh ff theraBeu*ic s6!viss,
{re6trnert, advise cr in*trueti*n; or
{c} The furnishing *r dispensing of dnrgs
ur madiral, ds$tsl, or *urgieal supplie*
orappliances; or
(l| First eid sery,jceg, whic.h includa;
{a} Oerdiopuirnonary rrsuaeitaurn.
vshether perfcnned manually nr with a
dp{lbrill*tcr;or
{b} Sarric** pedsrnled ss * G*nd
$arnaritan.
F*r the purpose af dptennining the linrits of
insur*nce, *n)t 46tr or orniseinn t6g6thsr with
all reiats,d scts or omissi*ns in thre furnisl"ring
*f th*,se uarvicer ta any sn6 ps6o{1 uill be
considered nng ",Gctrtrnencen.
I'lnw€vsr, this lnrldental lr,{edical Malpractice
And Gocd .Smmarit*n *svarage provirion
applies anly if ysu sre nnt engaged ln the
business or cecuprtinn cf pravlding any of the
eervi*es d*scribad in this pr.ovi*[un.
2. Exclu*icns
This insuranc"e dF€E nnt apply to:
e. HxB*nted Or tntend*d lnjury
"B*dily iniu$' dr'"property d*rfiag&" *xpeetedor intefided from ihe standpoinl uf the
in*ured. Thi* exelusi*n does nnt apply tc
"bdi'y irijury" *f 'prop*rty d&r*age" resulting
frrm the use of reasonahle fsrse tp prolert
p*r$on$ or prcFrtl.
h" Cantractr*cl Liabi*ity
'Bodily iniuqf rr *pmp*rty damagr" fcr" which
the lnsur*d l$ ebllg*tsd [s pay dann*gec by
Feason *f the assumption of liability in a
csnlrysl sr agt€emsrlt. Ttri* excfusion does
n*t *pply to ti*bility fnr"darnages:
{1} That lhe insured wruld have in the
abr*nee ol fhe crnkae.t or agreemonl; sr
{l.} As*umed jn a sprrtnpet rr ff&reerfient thalis sn uinsured rantract". prcvidxd the-bodily inJury- *r "prcp*dy dsmage'
ncsurs subsequont to the executiofl sf the
eentrscl sr agree-menl $olely for ths
purpa*Bs *f lrabllity 6*cum€d in 6n
"ingured mntractl, reasonabl* Bttomey
fe*s and neee$$sfy lilfgation expen$*s
incurrad by ar for a party oth*r than an
insured are deerned tp be darnages
hen*uae of "bodily injury" or 'prop*rty
damaga', provided:
{a} {-iability to sush party far, sr lor the
eost of" that pady s def*nxe h6$ filso
been assunned is the same *iRsurgd
eontract": and
tbl $uch attprn*y fees and titigaUan
expsflses are for delense of thal party
againsl a eiuil or alternalJve disput*
resoiulicn proceeding in which
darnages tu wirinh this insurance
applies ere *[feged.
c, tlqucr Llablllty
'Bndily injury" on'property darn€Ea" fsn which
any insurad nnay b* held liable by reason *f:
{1} Sauring nr oon{rlbu{Fng t* the intoxieatlan
nf any persan:
(2) The llrnnishing nf alcoholis beuerages {o a
per$sn *nder tl'ls l6gal drinkiftg eg€ st
under the infJuence cf alcoholl or
{3} Any siatut*, or"dina.nee sr regulation
rnl*tirrg t* ths sals, gift, dirtrlbuiion ff uss
pf alc$holis beverages.
Thi* exelusion epplier evan if the ctairnE
sg€inst any insured allege neglisenc€ *r
nther wrnngdoing in:
{e} Tha superuirien, hiring, rrnplnyment,
tr*ir:{ng *r nnaniloring af, othsrs by that
insured; cr
{b} Froviding sr faiting ts prnvide
tr*nsporlation udlh rcspeet te *ny
person {hal nnay be under tha lnflu*nee
{rf ah*iiol:
if lh6 "sc.*ilnsnc*' wltich r*uged {hs "b*dily
injury* ar "pr*perty dsffiage", invotved that
wlri*h is des*ribsd in Fanagraph {f }, {?} or {*}
above.
l4orrvever, lhis *xclueion epplie* only if 3uuars in ths bu*ifie*s of r'nanufsFlilrlnu-
distributing, selling, serving or furnishing
aleol"rniic b*ver*ga*. F*r the purpos*s of thi*
exciLrsion, permitting ff persos io bring
*l*shplie. beu*r*qe* on youl" prennlses, for
consurnption frn yol,r premise*. whether *r
fist e fes ir charged cr a licsnse is required
f*r su*h activlty, i* nol hy itc*tf e*n*ider*d the
business of sel![ng, x*ruing or furnishlng
slesh*lic b*uer*ges.
d, t4for&ar*' Cornp*nratlon Anrl $lmllar {"*rrrs
Any obligation qf the insursd under a wsrkers'
c*mpensation, disahility lrcn*fits or
unempl*ymnn{ sonnpen$Etisn 1aw sr *rxy
*irnilar law.
e. €mploy*/e Llability
"Fodily inJury" tc:
flI An "ernplnyae" o[ths insurnd ari*ing uut rf
end ifl the crurse of:
Page t of ?l HG 0{t 0l 0$ ls
{a} Emplaymenl by the insured; or
{b} Ferfcrming dutias reiated ts lhe
co*duet sF th6 in$urgd'* businees; sr
(!l Tfls sp6uss, ehild, par*nt, hrcther or *ieterrf lhat "employee" as fl fonsequence of
Faragrapl': {'1 } absvs.
Thls exclusion applies:
({} Wh*lher tl':e insured may be liable as an
6mpl*yer cr in any sth€r e*pacity ftnd
{2} To *;ry obllgati*R ta shars d*nra6** withnl rsFay scmesns else yullc must pay
d*rnaga* b*eausa of th6 injury.
Thi* exciusisn does not apply to liahility
assuRned b!, lh* iRsured Under an "insured
*ontr*ci".
f, Follutlon
{1} "Bndily injuqtr cr nprcperty damageo
ariuinq oul of th€ actusl, alleged or
threatened di$charge, dispersal, seepag€t
migralion, release sr escsp€ pf
^pollutantx";
{n} At pr frnn: sny promises, Eits 0f
lsestl*n which is or wae at any ilrn*
owned or accupied by, or r€nted *t
lnen*d t*, eny inauned. Hnr*evar, lhis
subparagraph doas ntt appfy io:
{i} .Bodlly injury" lf su*{sined wi{}rin n
building and raused by *rnoh*,
furnas. y6por sr s**t produwd by
or originating frorn equlpnrent lhat
is u*pd lc heat" *o*l or d*husridify
the huildi*g. *r *quiprrrani thst is
u*ed to heat watsr for personal
use" by tha buikling'* o*cup$nts. or
their guesls;
{!i} 'Bodily injurf or *propedy damage"
f*r *hich
'E{J
rfi*y he hold liablp, if
ysu fftE a aontrastcr and the otyngr
*r lass*e sf sueh prenri*e*, nits cr
lmatinn hae been add*d io y*ur
poliey ax en additiona! ins$red !vi[h
r€speft tr) ys{.tr ongoing spsratisns
p*rfomred for that additicnat
insured *t that pramisse, $it6 or
lmation and sueh prernises, sit* m
loeeti*n is n$ *nd nersr ws$
owned *r oeeupi*d by, cr nanted nr
lsaned to, any ins$red, other thpn
that additional insured; sr
{ill} 'Bodily lnlury" 6r "Brops;ty damaga'
ar$sing out nf heat, smotrl€ *r fumes
fr*m a'"hostile ffra"l
{b} At rr frorx 6ny pr6{r1is*s, €ita 6r
loceti*n whiclr is or bva$ at any time
used by or for *ny insured *r olherr for
the handling, storageo disposal,
pro**s*lng or trsatm*nt *f w*sie;
(c) Which Fr& or wsfe et any time
tr*nsprt*d, handled. thred, keated,
dispsssd 6f, or pr*se$6ed as wa*t* hy
sr fnr
{i} &ry insured; ur
{li} ,4ny par$s$ ar organiretion fcr
wham y*u rnay h* legalty
respcnsihle;
{d} zu sr frpm any prernis*s, site or
lnsalian nn *,hieh any ina,urad *r a*y
contraelors &r subc*ntractors w*rking
dir*eily or indircetly on sny inaur*dis
behalf are perfonning nperaliuns if the
"p*llutanls' are br*ught sn ur {c lh*
promi*e*. sf;ts or loaati*n in *cnneet[on
with such cperptinns by such insured,
t#ft{r€alor *r subeontrsetor. l-{owevsr.
this subparagraph does nat apply lct
{il "Sodlly injuny" *r'prnper$ dnmaga"
*rising out nf il're e*e*pe cf fueta,
lubricents or cther np*reting ltuids
which sre n*sded to p*rfnrrn lhe
norrnsl electricsl, hydreuliu or
rneehanical functians necessary frr
ih* rpar*tion nf "r*obilr aquipman!"
*r ila parls, !f s,uch fi.lels, lubricanls
cr siher opernting l1u!d* ese*pe
frsm a rrehiele part desi,gned to
hold. xtore *r re*eive th.*m. This
*xe€ptlon d66$ r'r*t *Fply ff lh*
''bodily injurt'' or *prcperty damegel
*rises CIut 0f the inlentional
discharpe- ditpersai sr r*lease of
the fuel*, lubricaruts *r oth*r
operating fluids, or rl such fuels,
lubriranls or rther cpereting fluids
ffc hroughl *n nr tr lhs premisss.
site or locatisn with tlte intsnt ihst
they be diseh*rged" di*p*raed or
relpassd as part of lhe operaHons
bairq penfcnned by sr:nh in*ured,
contractor or subcontractorl
(lil "Eo*ify lnjury' m'propcrty d*m*gan
sustained wilh[n a bililding and
fsus.Ed by thn relea** of gasas.
fumes nr vaporE lrsrn materials
br*ught ints that nuilding in
connection wllh operations being
perlonned by you BF trn ysur behalf
by e conlractor cr suhmntractar; cr
{ii*l "Endity injury- *r'pnoperty d*rnage"
eriaing pul ryf heat" srnoka sr furnes
fmm a'h*stile fil*n; nr
(e) At or fr*m any prarni**a, slta *r
lpealion on whieh eny lnsured or afty
$onlractofs or subc*ntrafflsrs lv*rkirrg
HG fiCI O1 OS 16 Paga 3 al 3l
direclty or indirectty on any insured's
behafl *re pedcrming o;:*ret{one lf the
nperatiorus are io tgst fBr, rnnnitor.
etean up, r*movs, contain, treat.
datorify or ner:tr*liee, cr in any r/ray
respond ln, or a$Fess the effects tf.
'pollutaflts-.
{Z} Any lose. ecsl ff &xpsrlss *rlsing cut of
aftyl
{a} R*quest, demand, or*ier cr statr.ltary or
regulxlory n*qulremant that any
lnsured sr cthers te.st fsr" monitnr,
efe*n uF, rernsv*, esntain. lfsat.
detnxify or nsutralize, or in afly \say
respond ts" or ass*ss lftE effeets of,
'polluknt**; nr
{b} Claim or sull by a* cn behalf nf a
g*uernmanlal authnrity for damages
beeauee of tseting fnr" maniiorirq,
cleaning uF, rernoving, cnntaining.
trs*ting" d*toxifying or nelrtr€liaing, or
in any urray reaponding tc, cr aseessing
th* aff**ls nf" "poll*tanl*""
Hdv+BvBr, thia paragmp|r do,es nnt apply to
liability for damages because of "property
damag*n that the inaur*d wsuld havs in
the absencg of such requ*st, dama*d,ordnr fl: statutory sr regulat-ory
roquiremant. or sueh el*irs sr "*u[t" by or
nn behalf of a grvernm*ntal a*thnrity.
g, Aircra& Auto Br $Sstercrci
"Fsdily inlurf or "prop*rly darn€ge" arlsing
G"Jt af lhe o'*nership, mainienance, u*e or
entru*tnent ta pthers cf any airer*ft, "a*ttr* Fr
wstarersft ewRed Er olisraled by or r*nted or
loaned to any insured, Use ificludes operation
find "l*sding cr un[o*dlng".
This exclusien upp{l*s avan if the *lairrrs
aEainst any insured allege neglig€nee Br
oth*r wrun6d*ing ifi thc sup*rvi*i*rr, hiri*g,
ernployrnenl, hainlng ar rnonitoring *f sthers
by that insu,rsd, ii th€ "pceurrrnre" wftich
eaussd ths "bodily iniury' sr -prsp*rty
damage* invclved th€ ownership,
/n6int6fi&fie€, {.ls& *r entru*tr$s}l{ ln slhsra rf
any airgrafiu nauto" of, wFtercrafi thst is csdned
o{ Epefst€d by ar renled or tsaned lo any
iRsursd"
This exctupinn dqes not apply tol
{'t} A n*tereraft while sshore nn prernises you
own Br r6n1:
.p) A waterer*ft you do nol q$rn thst i$;
{a} Less.$ran Sl fest long; and
tbl Not bsiry ug€d to cErry percons lor a
qharg6;
{3} Farking ail n'grrlo'fifi, o!- qfi tlre waya next
to, premises $ou {!\Arn *r renl, provid*d the
"frulo" ig nol owned hy ar rented nr la*ned
to ycu crtl:re insured;
{4} Liabiljty assurned under any 'insured
eonr$ct" for the ewn*rulrip" fiisintenans6
or rse nf aircraft or watercraft;
{S} "Bodlly lnfurt' or 'prapert]' darnage"
ari*ing out sf:
{sl Tne oparation 0f machin*ry or
equiprnent tl":at is attsched lo, or part
oF, a lsnd ?Bl,liele that would quall{y
under the defrnition of "mnbile
eguiBm*Rt" lf il were notr suhjecl tc a
cornpul**ry or financial r*spansibility
lavy nr olfier motor vehide insunance
la!ry wh*re it in ll**nsed or prin*ipally
garaged; nr
{b} The nperali*n af any n{ the maehjnery
or oqulpn'r*nt ll*tad in Paragr*ph f"{flcr f.{31 of' the definitinn cf urnnhile
*quipnnant"; or
t$l An sircrafi *tnt i* nqt olu$ed by *ny
insured and iu hlr+d, chartersd sr loaned
with a pald ctew. t-l*werr*r. lhk excepti*n
daes nat *pply if the insured has any nther
insuranc.a fqy such "bodily inlury" or
"prs$6ny drmage", {vh6th6r ths sth*r
insurance is primary, €xn€ss, nontingert
0r on Eny other basis.
h. Nrtlcblle Equlsment
'Bndily infury" or *prcperty darnagb" arlsirrg
au{ af:
{l} Tha tranrporlxtlon of "mobile equipmenf'
by an "au!*" Dwned or aperated by or
r*fited sr toaned to any lne ur*d: or
{Al Th* us* of "rn*hile equlpmsfl!' {n. *r while
in prectic* fnr, nr wh![e being prepared fsr.aruy prearrenged re*ing, sFsed,
dernclition, cr stuntin g ac{ivlty"
i. War
"Bndily inlury" qr "prsf*rty dannaga". h*rrever
eaused, arlsing, directly,or indirectly, nul ef:
{1! War, ineluding undeclar*d or *luitwar;
{2} Warlike action by a rnilit*ry farc*,lncluding
a*tion in hindcrirrg er d*f*nding *g*inrt *n
artuaf sr sxpected attask" by any
Ssvsrnment $qryBrei$n or ath*r authanity
r.rsing military parso*n*l or nther ag*nts;
0r
{3} lnsurrection, reb*llisn, rev*lution, usurped
power; nr sctio* teken by governrn*ntal
euthnrity in hindering cr defending agalnst
any cf thee*,
j. Damage To Froperty
"Praperty damage' lo;
Page 4 *f 2l H6 G0 0l 0s {s
{1} Froperty yftu own, rent, $r oc6upy,
including sny ea*tB or sxpafls€$ lnrurred
by ynu, or any other persnn. organiealinntr entity, for r*pair, replaeernent,
enhan*grn*nt, *stcr*tion or rnalntengrrn*
of euah prnperty for any reason, including
praver*,i*n of iniury to * person or demaga
to ancthsr's pr*perty;
{2} Fr*r*ise; ynu sel[, give *way or abandon,
if th* "prop**y dxmage" arlses oul of *ny
part of those premises;
{3} Froper{y lnaned to ynu:
{4} Ferscnaf prcperty in the ear*, euctody cr
ccntral of the insured;
{5} Tfuat particu;lar part nf real prop*rty on
uhiclr ypu sr ar'?y onntrantors o{
sub{*ntract*re
w*rki*g directly or indireetly pn ycu{ behalf
ara p*d*nnin$ CIpsrstlbn$, if ths 'pr*perty
darnage" erises *ut n{ thase operatiens; or
{S} That particular part rf any prnperty that
must bs rsstoied, r*p*lr*d or replaced
b*cause nysur wotrk" w6s innorree.tiy
p*rf*nned nn it.
Furagraph* {1}, {3} and {4} of thi$ ex*lusion
d* n*t apply to "prop*rty damageu (r6rer than
darnagn by nrsi ln prenrises, including *hs
cofltgnts *f such prernises, rentsd tr ycu fcr *
Berird *f sevgn Fr few*r e.Fn$eeulJve deys. A
separat* fimi{ cf ifi*c.rrance applies to oamag*
To Fremises Renied Tn Ysu as desoribed in
$estion lll * l-lmits Of lnsuren*e.
Persgr*pll {2} *I this 6xcFus,io* dn*r nnt *pplyif the prernis€s Br* oyour ururko snd were
Rev#r oc*upied, rentac! ar heid far nental by
pR.l.
FaragrapF*s {3} and {{ *f thia exclusi*n ds
n*t spply lo "Br*p*rly d*nnago" *rj*ing fr*rn
ihe use of elevators-
ParaErapi:s {31" {4}, {51 and {S} sf thls
ex*fueion d6 n*i spF.ly ts li*bility &ssurrl#
under a eidetrack egreement,
Paragraphs {3} er':d {$ of thi* exctusion dn
rto{ *pply lf {pfo*erty d&fi]fros" to borrn*sd
equipment while n*t being used t* perfnrm
aperatlans xt the job ei1o.
Parngraph {f} ol tlris *xefusinn d**x not applyfs "property darnage. included in the*Brodurtr-*umplelFd nperati,onr hsz*rd".
li B&mag* To Your Frodaret
.Frnperty danraEe' to '3rour prduct' arising
out CIf it 0r finy part *f it.
l. Demage To Your tlforlr
"Frilpgrty dsrnnge' [d "y,Bur work" *rising out
of ii or sny part of it snd inek:ded ln the,
'pnodu ek-c*mplated oparations h&uard".
This exclusion dnes no,t appty if the danraged
wark sr th* w*rlr onl ol which the damage
arisas was perfonned sn yoilr b*half by a
suhncntreel*r,
m, Oanragr To lrnpair*d FrcBarty Or Floperty
Not Phyaleally lnjured
'Froperty danrage* to "impaired propertf or
propB$y th*t hae not be*n physjcsfly inJur*d.
*rising out nf:
(ll ,q defect, deficiency, lnadequaey or
d*Rgnlous *nndition l* "your produc*" *roycurw+rko; rr
{2} A delay or fa}lure by you cr anyone acting
on youF bshatf lc F€rForffi a eontraet *r
agr*ement in acsordance wbth its tenns.
This exclusi*n dces nrl epply to the lnss af
luss of oth€r Froperty eriaing out s{ €ilddffn
and aaaidsntal physical iqlury !s "yeilr
prsduct" ar "youtr ulcrk. after it hes been pui
tn ik intended us*-
n. Recall trf Fmducts, Wor* Or lmp*ired
Praparty
Sarnages clairfied for any loss, cout sr
expenge inpurred by ysu sr others fsr lbe l*ss
*f u*s, withdrawal, recalt- i**paeliofi, rapalr,
r*plaoernant, adjustmenl. rsmol'sl er dispesal
of:
(1) "Yeur prsduet"i
(2) "Ymr wo*"; or
{3} "lmpah*d prsp€rty';
if sLtoh Brodu*t, work, qr pr*per{y is withdrswn
sr r*cafhd lr*m th* ma*at nr frpnrl rrs* by
any psrson or rrganiratiaft because nf a
trcncwn *r s$sps{ted def*cl, d*fici*ney,
inad*quacy *r dangeraus aondition in it,
o. FersonalAnd Adver{ising lnJury
"Eadily injurf nriring out af "personnl and
adverti*ixg inJury".
p. Acce*e or Oleelosure Gf Ganfid*ntial Sr
Psrsonal *nformatinn And Oata+elated
Licbility
Uarnages arisirug nul of:
{1} Any aE#BSs to ar disclosure of any
f6rs*n'$ *r s{g*niuatiofl's eon{id*niial sr
persnnal infsrmation, including patan|s,
tr*de seerels. proe**slng melhsds,
custsmsr lists, {ir*anciaf info*rnation, credit
card inf*rmatiqn, heefth infarrnalien ilr Fny
othsr typ6 of nonpublir iniornration; or
i2) The lose of" 1*s* of u*e of. danraga t*,
cnrn*prtian of, Inability is 6e6ers" $r
inabillty to manipulat€ €lsctronic dslR.
This exclusion applies sven if damag*s are
rlairned for nstrificatisn eusts" eredit
menitoring *xpense*. f*rsrrsic sxpenses,
HE 00 0t 0s lE Page 5 of 1l
public relaticns Expenses 6r sny other loss,
pssl sr exFense incurred by lrou or sihera
arising a,ut *f ltrat uuh!frh is described in
Paragraph {f } *r {?} sbcve.
Horiruevsr, unless Famgraph {1} ffbsve
applies, this excl{rsion does ncl apply tn
damagc* be*ause nf -bodlly lnjury'.
As used in lhi$ exclusion, ef€etr$nie det6
rfieans infsrmatimn, factg or pr*gr*ms slored
sF or oR, eraated 6r used nn, er tran$mitted tE
or fr*rn mmputer adftwars, in*ludirrg systsrns
and app[ieatinns softurr*r*, fiard or f]oppy
diek*, [O-R*MS. tspa*. drivs*, e6lts, d*ta
prncessing devires or any nlher rnedia '#hichErs used with el*elrcnieally cofttrCItrled
aquipmsnt,
q" Empleyrrrent"R.el*tsd Frastises
'Eodily tr$ury" tn:
{:ll A person arl*ing FUt qf sny "ernptoym*nt*
r*lated pracl.iee*o; cr
{2} The spsuss, chfild, parant, brother sr sigter
of that perr*R as 6 e6nssqueR** of'h*d{ly
injury'' io ihat Farsnft at whorn any
?mptaym*n{-r*lfit*d placti*er'' sr€
directed.
Thls exclusisn applies;
{1} Wh*ther ihe iniury-rauslng e,v*nt
dasmibed !n ths dclinitiein of 'nmBlcyment-
related practices" o€curs b*fire
empl*ym*nt, during *mployrnenl *r aft*r
umploymant of tirat psrs€ni
{l} Whriher the insured rn*y h* :liabte as an
FfiplCIyer *r in any eth*r capasity; *nd
{3} To **y ubligation ta share d*nruapa* wirh*r r*pay sernstrfle else wl'!c must pay
dumagea be*ause of lha injury.
r, flshssLse
{1} "Sadily injr"rry" or "pr*porty darnage"
aii*ing *ut sf th* "ssb€stcs hssard'.
{C} Any damr,ges, judgnnenlr, eel{lernenls,
!oss, costs *rexpeeses thal
{a} h,tay be alvardsd cr innurred by reasan
*f fi$y el*im or euit alleging a*tual or
threatened injury nr dannag* nl any
n*ture nr kirrd !n perspns Er pr*p*rty
whieh w*uld noi have occurred in
whsls sr in part but for {hs ''asbfislrs
haaaid";
{h} Aris* nut CIf *Ry f€qu6st, dsma*d,
ordar or stalutcry s[ regulainry
requlreme{'tl tFrai any insurad frr othsre
test for, rnnnitsr, clean up, removei
en*ap*ulate, esnlein, tr*al, deioxify w
neutrallae or in any way r*rpond to or
asssss the effe.rtg af *n '-ssbestss
ha*ard'; or
{cl Aris* oul of er*y *laim cr suit for
darnages bEeause s* testing for,
monit*ring- elsafiins Lrp, removlng,
encapsulating. ctrntaining, treating,
detnxifylng or neutralrzlng or ln any
way respcnding lu or assessing lhe
effects s{ an "asba.stss hszasd".
s. fiecardinS And llistribution Of illateria! Sr
lnfomlat{on ln V{olatlon Of Lxw
*Bodily lnjury" or *prrnperty dam*ge" arisirrg
dlrectly ar indirec*ly su! sf any fiction a,r
omissicn that vjolstes or is aileged t* viclate:
{{l The Te{ephnne Gcnsurnar Frcteetion Act
{TCFA}, innfudtng any arn*ndment sf ar
add'rti*n tc such law;
{X} The CAN-SFAM Act nf tOfr$, lncluding
any *nr*ndmenl sf or addillEn tc *ueh lnw;
{3} Th6 Fatr ffredit Roporti*g Aet {FGRA}, *nd
anlt ;rrrendnrent *f or addil{sn to srich la\$,
lneluding tha Fair end A*cur*le ffr*dlt
Tmnsactisn Act iFACTA}I nr
{4} Any federal, slate or lscaf s{atuie,
ordinanee or raguleii*n. $*ler th*n the
TSPA cr CAH-StrAh'l Act sf 1CI03 ur FCfiA
and their srn*ndme*ls and sdditisns, that
addrscass, prabibit* sr lirnits tha printing,
dissernination, disposal, mllecting.
feeoidins, sendtns, tr*nsnrittins,
csfirrnilnicsting cr distr:ibutinn crf material
sr informalion.
Eamags To Frarnleee RBntBd To You *
Excepl*an For ilemage By Fir*, Lightning Sr
Expl*rion
Eseluei*n* e, thrnugh h, and j. through n, do n*t
apply to darnage by fire, {ightning or exp}ns'xrn to
premises whils rsnted .{* lsu or tsr$pararily
oclapied by ynu with parmission of the swner, A
s*Farate limit *f in$uranee apphee ts this
eovsrngs a* drselib*d tn S*ot!*n lfl * Liffiits Of
ln$uranee.
f;OUER.AGE B PERSOI'IAL A}{T} ABVERTISIT'IG
INJURY LIASILIIY
'1" ln*uring Agr*em*nt
a. We wlli pay thcse sums tlral the insured
heerma* legally rbligat*d ls p6y fi$ d*rnag€s
because nf "persrnal and advertising injunt''
Ip *Srich thi: insuranue applles, We wlll hsve
the righl dnd dril.y t6 defe{'rd tha insured
against any 'suit" seeking lhose darnages.
Hclc*ver. w* witt havs na d*ty to defend tha
insured against any "sr.lit" seekf;ng darnages
f*r op*rs*nal and advedising inivrf to whi*h
tfris irtsurancs dne* not apply, W* nray, at aur
Page fi of 21 HG *{r 0t ss lt
discr*tinn, investigale any offense and settle
any cloim or'sultu thxt mey r**ult" Fut:
tU Th€ amount l*e witl pny for darnages is
limited as described in $edian Ul - Urniis
Ol lngurnnee; snd
{l} Our right *nd duty to dafand ond v*hen we
hav* used up the apptieable limit of
i**uran$e tn tha pxyrnent of Judgmants or
pettlern*nts undar Covorag*s A or E or
nredical expanses under Cnverage C.
hCo othsr nbligeti.un ar llabll{ty to pay *ufts or
perforrn acts cr seruices is covered unless
exp{iai{ly pravided f*r under $upplemantary
Fxym*nt* * Oov*rage* A *nd S.
b. This ins$rsnce applias ta npersonal and
adv*rtising injury' caused by an offens*
arising out of yo*r busine,ss but cnly if iho
nffensF nlas conmitled in lhe 'c*veraga
{effitsryr" during th* pollcy p*ri*d.
3. Exclu*lcns
This insursnce does not apply t*:
a" Knowing \fiolalion *f Rights Of Anoth*r
"Fers*nal and adr,*rti*in$ injury" erialng *ut ot
an ofiense cnnrrnittad by, at the dirertion $r
wilil ths c*ns*nt or aequiac*€nc8 of th6
in*Hrsd with th* expectxtian of lnf:ticting
"personal and adrrertiEing injurf.
h" Materi*l Fublished With Knavsledge Of
f*leity
oFersonal and advedising injury" arislng nut of
*anl, written nr elec{ronie publication, in any
m&nn&r, 6f rnetBrisl. if dsnB h,y ar st ths
dlrectisn of the insured wiih hnswiedge of its
felsity"
c" Materi*lFubl{shed FriorTo Policy Feriod
oFensnnal and advereising injury" arising nut of
CIral, writtan or elscironie publieati*n, jn any
rnanner, of matrerial r,'rhnse fir*t parblicatlon
t**k pl*** bef*re th* beginning rt th* pollcy
Fsri*d,
d" Gri*ninalActs
'Fersnnal and adv*r$sing injury" arisi'ng cut ol
s erimineln*l e,cmmltted by *r et thc direetian
sf tha insurad.
s. Centr*ctual Liability
"Fersnnsi and *elvertlslng injury'f*r rr*hich th*
insured has as*urned liability in a contract nr
agr*ernenl" Thi* ex*lusion dp*s nol apply tc
liahillty for damrge* ihst the insured wnutd
haye in the absenne of lhe cantract or
agrffirnenl"
f. Braash Bf Contract
*Pemnnal and adveriising ir{ur}f arking rut u,f a
b€sch qf Eonfpet. exeept an implied conkss{ to
[Jse anotheds *advertising idea* in ]&ur
"adwrtrisemenf.
g, OuaSlty 0r Psrformxnce Gf Scod*
FailurE Ta Sonfcrra To Slatements
"Ferserlal and ndveriising injury' arixing out rf
the failure of goods, products or eervices ls
esnfsmn wi{h sfly $tatemsnt of quality or
perf*nn*nce rnede in your "edu6,rtise.nsnt'.
h, l$rong Foserlptlon Of Fr*cos
nFerscnaf and advertiai*g inj:,rry. arising out of
th€ wrong deaeription cf lhe price af gffids,
pr*ducls 6r services.
i, lnfringewtent Of lntpllectssl Froperty
Fightr
{1} "Fer*onal and *dv*rti*ing iniurt' arising
rui nf any actual nr aileEed infringement
or vi*latirn *f any intellectual prcperty
rigl-rts nuch as copyrighl, patent,
traclernar*, lrade narne, trade seqret, lrade
dla*s, eervice mark sr oth*.r d*signati*n
nf origin or auth*nticity; cr
{E} Any injury or damage atleged in any clanr
or'sull" lhat strsc alleges an infringemeni
or uiclaiinn cl any intell*ctual prfipertlt
right- whether *uch all*gation af
infringemant cr violslis,n is msde by you or
by any *lher party inv*fved in the elaim or
"*ultn. rrgardlass of FJliether thie
insuranee vupuld stherwise apply.
Hffw*v*r, this *xelusi*n doe$ fts{ FppNy il lh*
nnly alN*gation :in ths elaim or "suit* lnrolving
any in{*lleatual prnperly righl }s linrited ts:
{{i lntringern*nt, iR lwur "advertlremsnt", sf;
{a} Gopyright;
{bl $logan;or
{cl Tltle af any literary sr arlistic wartc; *r
{€} tapying, in ysur "advertisentenl", a
pefson's w *ryanlaation's "advafl:iring
ldea* or style af nadvertlsament'.
j. fnsured* ln Liledia &rd lnternet Type
Buelnsasee
oFerssnal and adwrlising injury' romrnitted
by an ln*urad whose buclness is:
{1} Adverli*ing, br*adcasting, publishing nr
lelecasling;
{X} Sesigning er deterrraining content of web
*itea for sth*rs; nr
(31 An Internsl *eareh, aeG&ss" qonl*nt ar
+eryice pr*vider-
Hewever, lhl* erelusinfl does n*t apBly ls
Faragraphs e., b. *nd c. of lhe definition of
"psraonal end advertising in;ury under tne
Definltinrc S*etion.
HG 0{t 01 0s t6 Fag* 7 of 21
For the pLrrFoses sf this exelusion, the placing
af frsrnes. bsrdera or linlcc, *r adverti*lng. for
ysu sr other$ *nyr*here on {h€ lnt*rEel, ig nctby itself, considered the husiness st
*dverti*ing. brcadcaati*9. publishing of
teleca*ting-
k. El*trsnic Chatroarns Sr Slull*tln Boards
'Fersoftal end advsrli$ing injury" *rising out af
an elgctrsfiic chstronrn ar bullelin bsard the
ir:*ured lro$ts, swn$, or sv*r which the
!*sur*d ax*rei*** csntrsl,
l. Unauthorleed U** Sf Ar*sther'* Nsr*e Or
Froduct
"Per**rral and adv*riisins lniurv" aristng out of
the unauthcrized use of anothefs namg ar
produel in pur e.msil sddress, dsnrain narne
nr metatcgr, *r afty other similar tr*ciiss ta
rnixteEd ancihe r"s p*t*ntia I fr ustnmers.
ff" F*llutlon
'Fars*nal and sdv*rli*in* iniury" aristng out cf
the actual, *lleged or threatened dlscharge,
di*peraal, c€*page, rnigratlon, releasa or
escape of "pnllulants" at any tirn*,
n. Pallution-Related
S*rry io*s- ecai *r €xp€!?se ari*ing nu* *iany:
('l| Request, demand, prd*r rr statutory nr
regulalcry r*quirement that any insured nr
athars tcst inr, m*nitor. eler* up, r*fisv€,
mntain, tn*at, d*toxify sr rneutraliee" nr in
&rly way r€gpmd t€, *r assesc the effects
of. "pollrltar:t*"; ar
{?} Cl*inft 6r $uit hy or sn h6h*lf 6f I
gn\rernm*nlsl euthrrity fsr darnages
bee*use rf t*eting f*r, monitoring,
cleaning uF, rernuving, *onlaining,
tresting- d*taxlfyirrg ur nautrali*]ng, ur in
any way resp*nding ts, cr assessing th*
effeets sf, *pclliltents".
o" War
oFersu,nal and adqertising injuqf, hnwever
ca{ised, arislng, dire*tly *r lndire*tly, out af:
{1} War, ineluding undeclared rr elvil vuar;
{l} Wadike ection by a milit*ry faree, including
acllnn in hind*ring nr d*fending against an
aetual 0r *xp*rt*d altaek. by 6fty
gov*mrnent. sover*ign sr *ther authrnity
using mililary pemcnnel or nther agents;
6t
{3} Insunssicn, rebsllbn, r*v*lLrlidn, wurp*d
FGwFr. nr acfion taken by gnvernrn*ntal
autharity ln l"lind*rlng or defending egaicet
any of these.
p, fnl*rnet Adrre*tsements And Content Of
Othsr$
"Ferscnal and advertisi*g injury" arising or:t
sf:
{1) An "edrrertiEern*nf' for *thers on yrur web
site;
(3| Flacing a link ts a web siie of sthers cn
ycr:r t+reb sita;
{3} Cnntant, including irrformaticn, saunds,
tBXt, Hrspflice" or image* fR*m n w*b sile
of ,fithers displayod withifi e fr*nre rr
bnrder sn your vreb sile; cr
{4} Computer csde, snftware or prcgramming
us*d to eilahl*;
{a} Your web site; *r
{b} The presenLat'iun sr ft:ncli*r:ality o{ an
"ad{eni$srnsn{" cr *th*r Fsnt*nt on
ycurw*b site,
q. ftight CIf Frlvary Creatrd By $fatute
"'Fergonal *nd edvar{ising injury'nrisirrg out of
the vicletion of * persnn'e right of priuacy
sre6t6d by any $tate cr federal eet,
t1ow6vsr. {his exelu*lo* d*e$ ntt xpply to
liability fnr darnages that the insilre.d wsuld
have in the *baenee pf sueh stalt sr iMeml
aot.
f" Vlolatl4rt Sf Antl"Trust larr
''Fersqnat and edve$ising injury. ariginE cut nf
s vi*laliGn sf sny entl"truxt law,
s, €Bsuriti6a
oPerscnat end sdve{tising injury. arising out of
tha fluetuation ln pri*s m valup of any stn*lcr-
hnnds sr ather seeurit'r s.
t. Recardlng And Si*tribulion 8f *i*terial Or
lnfarrnatlon ln V*rtaticn Sf L*ur
'Fsrcqlnal snd adv*rtising injury" arising
dire*tly ar ind,ire*tly out sf any actian *r
*miesion that violnte* ar l$ all6g6d t* viplnte;
(1) The Tel*phrn* esflsumer Frsteefi*fl Ast
{TgpS,}, inc}udlng any ame*dment of rr
addition to *urh lsur:
{?l Tl'ie CAft*-SPAll'l Act of 3003, ineluding
rny *nr*ndmenl of +r additissl lc sueh lBud
{3} The Fair Credit Reporti*g Acl {FCRA}, and
any arnendmsnt sf or addition ts $t"!ch lav'r,
inciuding the Fair and Accursb eredit
Tranea*il*n,A*t {FASTAi; or
{4} Any fodarsl, stete 6r l*cal s{atut*,
prdinan*e cr reguleti*n. other than the
TCFA ef SAh{-SPAM A*t 0f g0n3 m FCRA
and their anges"idmenis and additlarus, lhat
addresses, Br*l-riblts or l{mits tlre printlng,
dias*minalion, dispo*al, mllecting-recording, sending, lrsnsmitting,
e*rnrnunicaling or distributiufi df mstsrial
or infsrmati*n.
Page & ef El HG e0 01 s* tfi
u" Fmpl*yment"Eelated Fractlees
*Fersnnal and advertising injury" tr:
{1} A pnrscn arising or:l of any "ernBlcyment:
refaied prectices*; cr
{2} Ths spsus€, child, parent, brsthsr or sieter
0f ihst psrson *F, a Eoils&qu*ne€ 0foperscn*l and advertising injury" to that
Ferson al whsm *ny "*mpl*yme{'tt-relfit6d
practif*s" ar6 direrled "
This exclusiun applies:
(1| Whether the lnjury-causing svent
d*sertbed in ths dafinlti*n 6f 'ernplaymeilt-relalsd praetice$" uGCUTF befrra
rmploymen{, during amplcym*nl ar afier
amployrnent *f thrt perseni
{2} Whether the insured xray be liable as arr
€mpl*yer *r in uny ollrer eapa*i"iy; ,and
{3} T6 *$y abli#fit{an te share d*rnege$ lvirh
or repay cnmeane else wh* must Fsy
damapcs beeause of {he injuqy.
v, Aebsrios
(1| 'Perscnal and gdv*rtising lnjury" arisirrg
oul of the "Fsbestos haeard",
{U} Any d*rn*ge$, judgnent*, $*lt{6nl*ntr,
!css, ce$ts ar erpente$ {hat
{a} h,,iay he awarded nr lncurred by reason
6f sEy rlsiffi *r 6uit ailegans aeiual ar
ihreatened injury or damqe ol any
nsture nr kind Io persons rr propedy
which w*uld not F:ave cecured in
s'Ihpla pr in pad but fnr ths "agbestgs
lter*rd";
(bI Ari*e 6ut sf an!. rsqusst, dema*d,
order a{ statutflr}i sr regulatory
r*quiremant th*l *ny ;nsur6d ar sther$
test for, mnnltor. clean up, rsmolrs,
encapsul*te, e*nt*in, tryst, dat*xlfy or
neutralize ae in any way respond to or
*ssess th* *ffec{s of an "asbestoF
haaard'; or
{*} Ari*a *ut *f any claim *r *uit f*r
d*nnagas hFcsils* cf {esting for,
rne$ilorfing, cleaning dlp, remcving,
ancapsuleting, nantaininE. treating,
d**nxifylng cr neulrnlisirrg *r in *ny
way responding to *r assessing th*
*ffe*t* nf an oggbss{rs hazerd'.
trv" Acc*** On trl+clneure Of Sonftdenff*l Or
FEr*ossl Intormation
'P*rs*nal and advarlixing inj'*ry'erixing oui of
any flceals to *r diselosure *f any F€rsail's 6r
organizatlan's cnnfidential cr person*l
info,rmatiun, including patents, irude eecrets,
proee*sing nnetrlods. eustsmer listF- finaftei*l
i*farmaticn, eredit eard informa*ian, Jreelih
infonnatien trr 6ny *iher typa of n*nFublic
information,
This pxclusio* applie* even il damagec are
elaimad f*r not!fi**tten es6t$. credit
mcnit*ring *npensgs, forensic expen$es,
publlc relalicns exFsnses sr any other loss,
eosl cr Bxpense ineurrsd bS yru or sthers
arising *ut of any aceess to or d'iselc*ure of
any prsnn's or nrganizatisn's canfidenfial cr
persnnal infcrnation.
GOVEAAGE S NiEFICAL PAYIU'EHTS
't, lnsuring Agreemenl
a, We wi,t p*y rn€dical 6xpense$ as d€stribed
belnw fsr "bodily irluqf ,csused by an
accident:
{11 Sn prernisa$ you #w{t nr renti
{3} *n eyfiys n6xt to premls** yBU ewn sr
rent; cr
(3) Fe*ause sf yssr oF€rsilan$:
pr*vldud that:
{11 Th6 ae*idant takes place in the "cov*rags
territnrf and durinE the potiey period;
{fl The €xpenses Ere insurpd and reported
to us within three years sf ihe deie cd fie
aceldent; *nd
(31 The injur*d per$*R subndt$ ts
ex*minatinn, at our expenset by
Bhyslsiaru* of *ur ch*h€ as *ft*n *$ ws
raaxan*bly r*quira"
b. We will m*ke llr*x* p*ymerrie regardles* of
fault" Th*se peyment* vrilf not 6xs6€d ths
*pplicable limit sf insllrailse. ff* lrui{l pay
reasrnpbBe expen$es fnr:
{1} First aid administened at the tirne of sn
sccid*nti
{31 Neceaeary rnedieal, surgical, X-rey and
dental Eervieas, ineluding Brnethetic
derrir*s: and
{3} Necessary ambulanc*, hnspital,
pr*f**slonal nuraing *nd f Lrneral snrvlaes,
3, €xcluston*
We,*rltl *ot pay exF€nsas fur "bcdi:ly injury'':
a" Any in*ured
Te sny ingurxd- except "'vclun{*er lssrkersn.
b. F{lred F6r6on
Tn a p*r*an hired to do work frr or *n behalf
*f a*y insursd sr a l€,nant *t any insured.
r. In$ury On h8ormally Scrupied Pramlses
To n porson injurod f,n that p*ri of pre{ni$Bs
you awfi or rent that the perssn nrrnnally
*e*upia*.
d. $dorltor* Go*rrpenaation And $lmllar N-*ws
To a p*rson, whethpr ur rwi en oemplnyweu cf
HC 00 0t CIq tfr Pag* I of 21
any ifrsured, if benefih forfie "bodily injury" are
payahk or mu$t be p{ovided und€r a qmkem
nompens*tion rr disability h'enefib law sr s
eirnilar luw.
e. Athletles Actlvltic*
T* a psrso{t irrjur*d while practicing,
in*lructing *r parfieipating in any ptrysie*i
e*greis*s or gamas, spnrt*, or athlstic
c0nlE$ls.
f, Frodr$s{ompleted Operatinne Haa*rd
lnelud*d wlthin {he "pr*due.ta-eorrrpleted
operations l-:&eatd'.
g" Eoverag* A E*cluslons
Excluded under C*verag* A.
SUFFLHI*EI{TARY PAYI'ISHT$ - CO\TTAAGES
AAN* E
t" We ltrill pay, with respect lo any clairn we
lnvestigat* sr $*llle, or any *suit" against an
insur*d we dsf*nd:
a. All rxpenses $,e ineilr,
b" Up tc $1,*S* fcr nnst nf bail bnnde r*quired
beeause of accident* or traffic law violations
arialng ryut *f the u$* d *ny vehicle ip whieh
th6 B0dily tnjury Liabitity fiorrer*ge applias,
We do ngt haue to furnish these bonds.
s: The ensi of agpeal bnnds sr bsnds !a reteage
sttechn'N€Ht$" brrt only for hond arn*unt*
tiuithln tFre applic*ble lirnit of insuranc.e. We dB
n*i hars tc fun'lish lheca bsnds"
d" All reasonsble expen$es l*curr*d hy trhe
insured at our reque$t ts assist us in ihg
Fnvesligatj*n or de{errse of th* *lalm str "slrit"u
in*luding ac{ual loss of eeming* up to $S00 *
dry beeause sf time *ff frnm wsrk.
€, All c.su* eo*{s tar*d agains.t tlre lnaur*d ln
thp ''suitn. Flnwever, sueh *cste do not
include altorney*' fees, at*ornrys' expeR*es,
vr'itnesr or exp*rt {ees, or arry oth*r *xp6nsas
of a party taxeS ls the insured.
f- Prejudgmsnt interest auuardad agai*st the
insured on thet part of ihe judgme*l we pay. lf
v,re ma,ke an nffer to Bay tfte app{icabl* limit cf
in*Lrrsnes, wE s,ill not p€y any prejudgrnent
intsrest bsred sn lhat perid of time after ths
Pl{sr.
g. AU lnler*st on the tultrannsunl *f anyJudgnr*nt
that sccrues *fter entry nf the iudgrnent snd
befar* ffe rrpv& paict, offared [o pay, or
dep**itad in *ourl [h* part *f tfre judgment
that is wlthin the applicabie limit af insurance"
The*e payrnents will nct r*duee the timitn of
in*uranne,
2. tf ue defend an insured againsl a "suitn and an
lndemllitep cf lhs in*ured is *!*a n*fined as ff
party to the nsuito, we will defend that indernnitee
if all c,f th* follnwing csndllion$ are met:
a" The 'sultn *galnst th* lndemniteo ss€ks
d*nnages far which the insured has sssumed
the liahility *f ths indsmnllse in a esntrsft sr
agreernent that is an *insured rontsact";
b. Thie insursnf,a appties tfi sush liability
gs*umed by tlre lrrsur*di
*, The obligat!CIn t* d*f*nd, or hs 6sFl nf tfie
defens* nf, that indenrnifiee- has also been
sr*urned by ih* ineur*d in tho r**ns tnrured
csnlracf';
d. The allegatinns in the osuit* and the
irrfcnn*tiorr w* k*ow sbput trh* 'oida:tmnfsn
are $ueh lhat no confrirt aFF€ars io exist
b*ln'*en the interests si the insur*d and tlre
intarast* *f the indemnitac;
e. The indemrni{ee and the insured ask un to
*nnduct and c*ntrol tile Sefense of {hat
lndemnitee agair*st such "Fuit" ar:d agree that
wE can arcign the $pme e&uns*l t* d*fend
th* irrsured and tl'rs inder*fiitsc; sfid
f. The ind6,$*itasi
{'l} Agrees in writins tr:
{e} Go<ip*rate with uF in lh€ investigation,
*ettlannent er def*ns* of the "suili';
ib| ln'lmediatefg **nd us eopias of eny
derr:ends, ltotiree. $urnrfi#n$e$ er legal
Fap,er& re*aiuad i* csnnectlsn with thensui{,;
{c} I'i*tify Fny sth*r insures vuhose
cdv*rage l$ svsl{abla ls the
indemr:iiee; and
{d} fo*perala with u$ with respecl {c
*aordir':ating otfiar aBplieable
insurance av*ilable tn the iqdemnllee;
snd
{2} Frovld*s us vrlth r*rlllen alrthorieation ts:
{*} Ohtain reserds and other i*formatj*n
rdlatsd l* th& '$Lrit": sftd
{b} Conduet and controt ths defsnss of tfi6
indemnit** in xuch 'kuif.
So lang as the abnve ecnditiuns are me{,
sttornsys'faee ineurr*d by ue in the dsfen$B *fthal indemnitee,
ns*cs$ary lilig*{ion *rpsnses ineurr*d by u* *nd
ner,€ssary litigalirn Bxpensss incuned b1t tlte
in$rmnitee at sur requrrl will be paid ss
Sup$ennantxry P*yn*ant*. l.{oh*ithtandinp the
pr*vis[ons af Faragraph g.b"(fl o{ Section I -*nvmage A * E*dily lnjury &rud Frnparty
Damage Llability, such payments will not he
deemed lo be damage$ fsr "bcdily inJury" and
"Frdparlv damas*" and Witl nct tuduc* the lim;t*
rf irsurence,
Fage l0 of 21 H& *0 0t 0*'t€
Sur nbligation lo defend an insured's indenrlnhee
aftd tCI Say fu{ attor*ey*' fees and n$c€$$sry
Iitig*tion expenses as $uppfementary Falments
eftds wh€n:
a, VSx hsve u*ed uF the apptieable limit sf
insufance in the payment af judgmenls nr
settiemsnls:fr
b" Th* enndlti*ns s*t folth sb€vs, or the tsrrns cf
lhe agra*ment d€soribed in Paragraph t
abgve, frs np longer nrel.
SE*YION ll- t[fHS l$ Al'l *N$URFF
1. lf you ars derignatcd ln tfie Denl*r*liene ss:
s" An individual, sou and your sSorJ*B erg
insursds, but snly with raxpcot to *ha aCIndnct*f a businees of which ysu a€ lhe sole
0!vnEr,
b, A por{nership ar ioirrt venturrn, y6u ere sn
insured. Your me*bers, ytrur partnnrs. and
iheir sp*utee ar€ al$s insureds" hut onty ivitih
r**pxci to th* c*nduet ef y6ur bu*ins*a.
c. A timil*d li*hility fft'flpcny, ybl* a.s cn
insured. Your rnembers srs also in*ureds, but
oally wilh ruspsct to the canduct of your
bc.lsines*- Your nnanagers are insL"lreds. but
nnty wilh reapeet to thsir duti&s as your
maRsssrs"
d" An *rganiration cther than a partnership, j*int
yanture ar limitxd li*bility coi,rpfrny, you srs
en !ns$red" Ysut osxgcutive sf{icersu an$
dirse{+rs arp in*Lrffidc, but rnly with re*F*et t*
thrir duties as y{rur sfficers or direstnrs, Yuut
stochhrlders are alsn insureds, but nnty wilh
re*peel tp their liabifi{y as st*ekholders.
e. A trir*|. y6u ,&fE €il lnsufed. Yosr trLrs{*e* gr*
also insuredno but only with respect to their
dilli*e as {rilst*es"
I" Esch rf lhe fsliuwing ia *lec sn insurs.d;
a. Employeee And Volunt*er Worker*
Yorr "v*lunt*er worker$* only whlle
p*rf*rming dutie* relatsd ts tha cenduct *f
y*un husine$s, or your "en:pfayee$o, olhet
than *ither your "&xscutlus of{tcorsn {lf you ar*
an organizaiion nt"her than a partnership, joint
ventsrp or limited liability oEmpsnir) Fr your
r*enfiSers {if y*u srs * limi}ed lixbility
cornpany|, bul nnly for acts within the sc*penf th*ir rn':plopnent by y*u *r vrrhil*
perfnrming duties relaled la the *ondust sf
your business"
Hcwaver, nrns of thara 'emplsy*es" otnvolunteer workgrg" are insureds for;
{tr} "&odily injury" ar "perscn*9 and advertieing
lnjury":
{a} To }r6u, td y*tir psrtr€t* ar nr*mbers (if
you ErB a pprlnership *r joint veniure!,
to ycur rnemberc {lf yuu *re a limit*d
liability company), ln a co-'*emplcyee"
while in ihe cpurse of Flis cr her
*r*ployrnent or perfon-fiing duties
related ls ths ponduet sf ysur
busin*ss, or to y6ur othnr "voluntegt
vuorlter$u while perfarrning dutie$
ralat*d lo the conduct sf yolrr
busitress;
{b} Tr ths sseune, child, parent, broih*r or
*iglEr uf lhct cn-'*e,nnployee' or thgtovglunt€nr rvsrkero as a conssquence
of Faragraph {t}{a} above;
{*} F*n mhicl there i* rny obligation tr
share damages with or repslr sornsone
else whe rnust p*y dannaqes becauge
of tha tnjury d*ecribad in Faragraph*
{1}{a} or {1}{b} ahve; nr
{d} Arising *u[ *f hls or her prnvlding or
faillng ta pr*uid* prcfes*ion*l health
care servlces,
lf y*u are nfit in the businesr of prouiding
prcfe*sia,nal health care services:
{a} Subparagraphs {1}{a}. {{}{b}and {1}{c}
ab*ue do noL *pply tc any "*nrploye*"
sr "vslunteef wnrkef prnviding first aid
services; and
{hl Subparagraph {1Ud} s$ove does not
apply tn anf nurs*i emergency medical
iechni*ian or parar**die employed by
yeu tc prcvid* such *ervices.
{2} "Fr*periy darnape" tn praperly:
{al Swed" orcupied *r used by,
tbl Rented {q, in tha sare. custildy sr
e**trd 0f, *r over whieh phy*ieal
*on{ru1 ls being exercised fcr any
purposo by
ysu, gny of your'empl*y*esu, 'valunteer
wcr*erc". eny parlner qr m*rnb*r {ii y*u
are a parln*rahiF or joinl vantur*}, ot sny
nrember iif ycu are a limited llability
ro*lpany),
b. Raal Estats i{larragrr
Any perso* {otlrer than y*ur .er*pl*yes' sr
"v.glunt€€r w*rkef], or any organization while
aeting rs yqur r*al ast*t* marragcr.
c^ T*mpor*ry Gdsisdi*rls Of Yaur Prsp**ty
Any person *r rrganiration hauing preF*r
tEfipsrfiry {uFlody *l your proFerty if you daa,
bul unly:
{1} Wi{h respeet ta liability arisir:g out ** tfre
maintsnanee cr us€ of that propsrty; and
{2} Until yaur l*gal rsprs$entstive hes baan
spprinted"
d" L*galReprea*nt*l*vs lf YEU FIs
Your legsl reprasentatlva if you di*, but only
H{i &0 0{ 09 J6 Fage 1t of !1
t4'ith respect ts duties €s such, That
rapresxntailve wlll hav* all y*ur right* and
duHes under thi* Ccverage Part.
p. Unnasrrsd Bubsidiary
Any EubEidiary, end srJbsrdiflry thereot, cl
yturs r+hicfr le a legal{y incorporated entity of
which you own fl finaneial interest of rnsre
th*n 5CI% uf *he uotlng $tock on ths effective
date af the Ccver*ge Fart,
Tha lnsuranee, afforded herein for any
auh*idi*r'y nnt named in thls Cover*ge Fart
as a flarned insured does not apply to injury
ff $ameg* with r*speet to whinh s{ieh insured
ia aleo * narned insLlr*d ur'lder *nothor pali*y
nr w,ou{d be s narned ,insured under such
p*licy but fCIr its [*mlna{}nn s the *xhau*tlon
of ils fimits of insurancs.
3" I'lewly Auqulrad Or Fnrm*d Organiration
Any org*nixatirn yo* n€wly eoqilirc 6r Iorrn,
sther ll'rarr a partr'rership, jaint v*nture or lirnited
liability eompany, .&nd ovar whi*h y#u !$atntdin
fin*nci*l ir'rtsrast uf rn*s than 5011 of the voting
stork, will qualify as a F.lamed lnsur*d if there is
nq cth*r eimiter inra:ranea avsllnbl* ta that
organization " H oweve{i
a. Couerag* under this prcuisirn i* aflcrded *nly
snlil {he 1s0$r day aftnr ynu aryh{ifiG or fnrm
th6 ofsaftizatlun or the end cf the poliey
Beri*d, wf,ichever 6s eerliaq
b. C.nverag* A do*s n*t apply te "bosity ir:lr:rf
or *prcperty darnage" that uucuned befsr*
y*u acquired sr fnnned the crganiaalion; and
e. Cnverage F does nat apply b'p*rsonai *nd
adve*ising injury" arising *:ut uf an cffsnse
aumnnitled befure y*u aequlred *r formed th*
organieatlan.
4. Hcnowned Wrtercraft
Wtth rexBeet l* y'ratercreft you do n*t *u*n thal is
Isss than 51 fa*t lsfig and ls not heing us*d to
6erry persons fsr * eharga. any person ir an
ingur*d while opar*ting $ustr ruatereraft us{th your
permissian. Any other persfin or organizatio,n
responaible fnr the conducl $f eucit perenn ia
6lso ail incur*d, but urr{y wiih resp*ct to ltfihilit}
arising out cf lhe aperation sf the watercraft" and
o$ly if no *ther in*ur*nc.e of any tcind i* Fvsil*ble
to that persoft or organizaticn fs,r this liability.
*{or$euer, fts rerson or olgan}aatisfl l$ an insured
v'rlth r*speet toi
a. .Fodily injury" to a eo-oamplnyea" of tha
perso{l nperating the water*raft; cr
b, "Frsperty damage' to Frsp*rty *wned by.
r**ted td, in ths charge cf or *ecupi*d by you
ar the ernplnyer of any perstn whE is art
irrrursd under this provlnlun.
S. Addttion*l l$rurs.da Whe,n Requlrad By
Written Contrqct, m*tten Agraamant Or
Fsmlt
Tha fellowing person{s) or organiealicn{s} are an
eddt$qnsl insur*d r*lren ys.l have agre*d, in d
\idriu€n oonu€ctl wilten agreem*nt *r becasFe of
a permjt l$sr.€t by a stata ar $d{tlc6l subdlvlgion.
thet suth person r urganha$on bs cdded so an
addtdsnal lnsuted on your pelisy, Brpvidad the
inlurg or d*maga sec{.rue s*bEnquEnt to ths
e,xecuticn of ihe cnrrfract or agr*erne*t
A percen or wgrnizalio*: is en edditianelinwred
undar thle provision cnly for lhet parbd of lFne
requirsd b,y tha cc*tract or agree*nenl
l'loweve,r* no su*h Fers$n or organba$on ls an
lnEured ilfrSsr this pxtrlrtslcn if auch Fsrs*n or
oryani:m$on is insluded es an ifieur€d by an
endorsornenl issued by us snd madE a Bart cf
thle.C*v*rage Psrt
a; Vgndgrsr
,Any pereon{s} cr org*nisation{s} {refaned te
belcw ** se$dor), but only witb ro*poet to
"bodity inir.rry- cr "preperty d*m4e" erieing
out cf 'ycur praductrs" yd*ish sfo di*t$butad or
asld in dte regrrlar ssurss ef the vend*r'a
buoinsss crld srdy if &is Coverage Fart
provldas mv€rego for kndlly injurf Gr
'progerty dar*a4e' included within fi€,*products*trnnpktsd cpanelions hssrf",
{"lt the inaurane sffe{dsd lhs vandsr isl**Sad fCI the foll*wing e#ltisnal
excluEi*ns:
TJris lnsursnca daee nct epply tc:
{c} 'Endl$ in}u4f cr "Foperry demage* f*r
whleh ths v*ndor le obligatod to pay
dcr*qe* by reaxon of the s*eumpdon
sf liahility ln a mr$*ct or agree,mar*t,
ThtE sx*lilsisn doas nst apply lo,
llabllity for darnages thal tfp vEndsr
!$outd hevs in tho sbessce d lhe,
carrtlact trr silreg{nent
{b} Any Exprs€s werranty unaut}roriaed by
]Eu;
tsl &ny pfrysisElor shsmiea! ch*nge ln trre.gndu$ made intenlionally by the
,vsnd$:,
{d} Repcksging, excapl when unpaekod
$ole{y f*r the purpse cl inspee{ion,
dcnnonqFatinn, teeling, or lhs,
sub$titutloil of parts undsr lnsbustisas
from the man$fsrllurar* slrd then
rgFsckry$d in tha original contrainec
{s} AFy iailure ta rneke sueh hspaetions,
.o$u*in*onb. twts or sarvlcing ss tha
yffidor has agr€ed t'o maka or nonnatly
Page lI ofll HG 00 0t ss ts
undsttskes b rnalre in the ssual
course of'businsge, in conndlEn rdth
ItledlsMbuthrt sraala of fte Frodwls;
fil D*mcnehathn, installafiofl, ssrvicing€r rspek opamti*nx. sxcspl $lrdl
operetiena parforned at the wndo/s
pramicas In cennerflon wlth tha eala st
Uls pmduch
$) Freduete whlch, after StsffihutJon ar
sale hy ysu, hEva been lEbsted or
relsbslad sr usad aa s conteinar, Farlor i*gred{ent cf any dher thing or
subgtanca by or for the wndor: or
{ht Eodily injury" *r ?ropsrty dnrnago"
ari*ing s{rt'of the sale negligense d the
ur*ndar fcr lte own acta or omisslons sr
thdse of its er*plnyees *r enyere else
CIctl*g cn its behelf. Horrvevor. this
exelueion doea nct spply ta:
{i} fhe et{@pt'6ns csntaFr'}ed in Sub-
parqgrsphs {d} sr (fl; €r
{lil $uch *nspactioru, ad.ft.letn*ants,
teste sr seruickq as the veildry hss
agr*tsd ts rnske or nor*rally
underbhe to male ln thE usualg&Ba ef buginegs- in eo*nroliorr
tirrift ttt€ dletrlbudon or eel€ of the
produets"
(21 This insurgnce &es nst apply to any
lnsurad p&rserl m *rgrn,hatirnn, fum
ufiwn yrou haw aoqulmd sueh pmdu*,ar sny ingeadleri{ Fsrt or contrainar,
ar*erirq inho, aecompanytn* or mnialning
*ubh prcdurts.
b. Lsessre Of Equlpmont
{l} Any persoa{*} or erganiestis,n{e} frorn
whirn you lease equfpnsn* bl$ snlg wi*r
r*ep$cl h th6ir llablllty for'bdlty inju4f.
?roperly damage' cr "perso$el and
adv*rfqtng lnJurf mne*d, ln whsle cr ln
FA& by ljEuf fnaint'enancs, operaticn W
uaE cf equipmanl kreed to you by aucfi
F*rssfi {s} or arga nissthr}(s},
tAl Witfr rasF€Ft la tha ineuranco affordBd to
these a$diiisnal insumds lhls insuranca
dcc* nsl agply to any "oecurance" wtridt
takes poq efrer the equiprnent taase
EX$rEa,,
s. Lneeors Of Lard Ot Regrtla*e
Ioy pm*n or qanization from whom you
leffie lsnd Br Freffihes, bln ody wffir reepacttD ft*hility ad*ing cut cf th* o*marship,
meintene*ee or tt$e at,> Fart Ef the lEnd gr
Fr€fr?i*Ss lassed to yuu.
With ruapsct tn'thp ineuranca afford*d theea
additlonat irr.*.ursds the fdt$,rrlng *ddiUunat
excluelnne applp
This inau!'ans* dnaE n*t AFFiy tB:,
'1. Any'sccunenrc" wtilch &hes dsee aftsr
!'s$ ceasa to lease thst"iand; or
2. Sbucturat altsfatiofls, nsw mnstructisn or,.damoltgon spergtlrng pedormd by or on
heh*lf of er;*! psrgen sr organkalian.
d. Arc*itacto, Ereglnserr Or Eur*yorr
Any arel$acl, €$sinwri gr st;Ilrtyof, b,rd cnlSr
wtth raepect to llablllty fw 'boct,!y lnluqf,
'pncperty damage" or ?grsfingl and
dvertising inJunf ea*sad, in wholE sr in p.art.
by your sfh *r on?irshns or ths srts sr
orfiissisns of 0w e aeling on lsur behalf:
(11 ln connm{ion wtth yuw premlsea; or
Pl tn the psrfwrnanw ol your *ng*lng
operationr parformed by yo*r or on your
hahsNf,
Wltfi r8sFet la the lnsarancs affeidBd ttt8sg
dditionsl insu:eds, tl"re {ollnwing additionFl
ex*luelm sWllBE:
Thla l*eunsns€ dses not ryply to "bodily,
injury', "property darnage" w "perucnsl and
adv*rtlxlng irliurf srising eut of 8la rafidering,
'sf sr tila failurs tq render any peofessior:ql.
.sarvicee by cr for gou, includlng:
{. The Frapring, appsving, or failirq to
prspare or epplova. rtap*, sh*p drauings,
oplnicns, rsBorb, E$ffals, field ordere,elr*nge arderg or drawl*gs and
spgsifisa1|i"nE; w
?* Supwispry, insFp{*ian, *rd{la+lural ar
englne*ring ac$vllies.
This ${dlush applias eyen if the clsiffi.$:
agalnat any lnmrod $ilega n*gllfgerlos or
other wrcngdolng ln tha supsrvision, hining,
nrnptsyrnent, @ining or rn*nlt*ring sf etltess
by $axf i$sursd, if lhe "6€crlrrsnce' wftleft
csused {he "bodily injury or "pnrperty
dem&gan, Er th* sffense ulhleh eause{t S16
'perso*al snd advertising inlurf. lnvotuael ihE,
rEndering sf er tha f*ilure to rcnder any,
gufessianal s,srviee* by or lbr ynu,
a Fermlts l*ausd 8y $tata Gr Fslltcal
Subdtvls{ons
Any sta{o or Follllcal rubdlvlsloc, butanty with
rnsF€sl to opemtinns perf*rmed by lsu sr Brt
yaur bahrf fo{ rifilrh ths stat€ or pdifcal
eubdivision has.iesusd.a permit
Wfih respsct h l.he ineursnee sffsrdsd &Bse
sdditisnnl ln*urede. this insuran€s dses not
.apply ttx
(lf "Bdfly injurf. 'praperty damage' €rnp*m.pnal sn{t ad\rktising inlurt' adring
cqt cf opemiion* psrfurrnsd fur tlre etats
or muniulpalitg *r
HG {n Ut 0s {fi Page'13 of 31
{2} .tscdlly irrjury" sr "FraFedy damage'
isrclud*d urffirln lha nprdrds-ewrpleted
operstiprE h*sad'.
f. Any Other Farty
Any olher persan or arga*istlon who b nqt
an sddlti*nsl lnenrsd undor Pmgrapha a.
thmtrgh e- sbsys, bul only $l$ respest to
llahllity fcr lrodfly lniunf, "prspery dsffia$6'
or $ersanal end sdvertislng lnjury'caussd, in
whole,cr in part, by ycul'aqtg or onriasions CIr
thp acts or cmlssions cf thoe€ acting cn leur
behalf:
'{{} ln the perfsrm&r-rce .sf pur *ng*ing
'opgrati&rrs;.
{l} In mnneelb:r wi$r lanur prar*i*a* s$nsd
by sr rsnied t0 ),srJ: 0r
{3} In c*nnssl.ion $dth }Eur t$srt" *nd
included $lihln ifie "pr*dnttE-cffnpletFd
oWratierte haasrd', but unNy if
{a} The wrlhen aa$bact or *graamant
requiref 1ou tu prgvde sueh eaverege
0o sufh ad**Ssnal in*urad; and
(bl This Cwar*ga Fart provide cs$orqs
for "bodily lnjuqf or {pnuperty dxmage'
included withln th€ "producte-
eompleted cper*fi ons he*as6'.
Hrsrever:
ltl The insurance a$srded ta Euuh addilional
ineured *nly appliae to lh* exlsnl
Barmltted hytaw;and,
$l lf csversg* praided to th* eddKionsl
lnsured is raqulrsd by a eontrael ac
agreernent, the insuranm afr*rded to suetr
addits*ql inaured wlll *S be brucdqr tfren
that whieh )'s{l ar€ required by the co*tractor agraerne*t ta Frcvide &r sild1
€ddltiofial insursd.
Wtsr r-€speot to tha in*ursnce strsrded to
thass sd$itbnsllffiursde, thls imursncg doss
not ap$yto:
"Bsdlly injuqf, ?roperty damage' sr
'psrsonel s*d *dverlising inJury. ari*ing ant of
thp randsring ot, cr lhe fallure to render, any
prcfp€Ebnsl arsflitgctursl, erEln*ering ot
sur$s$tg .ssndeee. i*dudlng:
{t} Tha preparlng, appmring. er falling tr
prspara orspp6w' maps, alrcp drcwings,
opinions. rspcrta, Burveys. field ordars,
cha*ga srders oF draudngs and
*pgci*CIatiarrs; sr
{Z} $uparuisory. inspaetlon, arehlt*ctunal or
arqinee*ing esliyities"
Thls exclu.*$sn appliee aveer if ttre c{al'}ns
ggainst any ln*urtd sll€gs nggllgshes or
SrEr wrungdcirg in lhe supeflrisisn. hiriqg,
arnploy'mcnl, tr*ln{ng or monltcrtng of othars
,hlt thst irteursd, if lha 'trtrurrenae" whieh
causad the 'bodtly lnJurf or 'BmpErty
.dam*gg', cr the a$gnee which cedsd S:rs,
'psrso{lal and advertlglng in}unf. hvshcsd tlrc
rcndaring of or the fallure to render eny
pref*seional sefficos by or ior ynrr.
Tha llmits af ln,sumnca tha! apply to addltllonal
insl'rade b daserib*d in S*ction lll - Ltmlta Of
IEsur€nee"
Itgw thit iasuranffi ap$ios when other inEurEnea
le *vsllsbh ta ths additlonslifreured is deserfbed
in the O,Slar lnsi"lrsrNfi€ Csndllion in Saeticn $\f *
C*mmsc*lel Genaral Llabllity GondlHsne.
No perscn gr grgafiiratiFn is Afi i$sured with r€sFBc*
is the ccs'lduct of any cunent cr past parherehip,
Jcint rranturo s limit*d tlablHty cofinpsrry thal is nst
.shorimt as a Nam€d ln*wed'tn lfte DBcla{€de*E.
SEeTI*l'l *ll* i-lllltl?.S Sf tilSttF.AllCE
"f . The iiort l$s tr4flll Pay
The Lirnitx af ln*uran*s eh*wn in the
Declaratlcns and S-le rufes belfir,fix the nrust we
will poy regsrdle$s of the nurnhar o{:
a., lnsureds;
b. Clsirns rnade *r "6uits" btoughh nr
r- Fefsons ol organizations making clairns nr
furinging "sHlt*""
?. Ssners* Aggragcte Llmit
The SsneralAggregate Limit is lhe rnsst we will
pay far he aurn *f:
a" Me$ieal 6xpsrls€$ e.rnder fiuver*g* G;
b. Darnag** undsr Gnverag* Ao sxoeFt
dernages because nf .bcdily injury{ sr
"praperly darrlsg*" ln*fudod in the 'product*'
cnmpleted cparations hazard"; and
c. 3an:ages under eovela*e. B"
3, Prcdueta-Cornplrted Opwatinnr Aggrsgals
Linrit
The Frcductr{ompleted Operation* &Bgr€gsl€
Llmit is lhs mns* we wlll psy Llnder *overag* A
fot damxges because of 'bodily lnjury" and
"pr*p*rty darnng*' Included !n tha "FnldiJst$.
*urn ple{ed cperaliana hs.aa,rd".
4. Farss*r*lAnd Advertl*lng lniury Llmit
Subject tn 2, aboveu tlre Perssnal arrd
Advartl*ing lniury L{rnlt is ih6 mo€t wa will pay
urrder ffouar*gc E for the surn of *ll damxges
becausp of *ti "p*rsrnal and advertlsing injury"
susteined by any flnei persan ar *rga*izati*n.
5, Eaeh Occurr*nee Limlt
$ubject to 2. cr 3. ahove, whichever applies, the
Each Scc.urencs Limit is the most we will p*y for
tl:e sem of:
a- ilarnagea under Coverage A; and
Fage 14 of 2l HG g0 0t *g tfi
tE is 9[ afi*dilauuju E ul p€,ar6s qAEq nsd teql palxpaW of ddde leu s€*p u*lrlAoid s{r}}'r€i1sAr,sH.ftluurapur Fus e:uelapJgl J6lnsu! .lstl}* 6E{1 o} "ilns* Jil tuletl !]xngIuqns l€nlx.[ Farnsut lF{Jfirilppe q}ns 'p*lfi€ullEr.lBlllFpE ue nl elqsttefie a$uE.rnsul Jaql0'{q parenm sq s€le {au le*$ pe6 a$wonos$jtll rtFun ,.llrlso Js l|llaF g jBA#5 *iA jlell,csJnsu* Jsrlltr sF6Jn$ui lBualHpFv "s'luasuos Jno Inoqlrm -p1e lsrg JoJ UEL*lr*q1* 'otusdx* fiu* .r{t$u! Js 'u*i1afil;qo du*surnsss 'paurr{€d e *{sru dlpelun;on '1sa=u.$0 srFarr'lsrjl ]Br.fi le ida*xe '!l#,{ pfln$u} fifll*o3 ut$g spsrrsul sr{I trV suon*Fltq6 'p'{;dde o*1e A*u: *rue.msul Elq Uqrlfira1 a$ru:cp :o dmlul lr3 ssnepsq po:flsu!aql tl qq€ll aq Aew q*,r,Fu L'6n€4uefi:o .ror.lus.,ad j[ue Xsupfie 1qfiu due ga l$auia]J6llJ€*e-Jl ul !*Enb€* rn* uadn '€rr !E$sd {f}F*lE :*llns,, tqllsugefie 6$r"ralsp Jo uJlEll Br+l jo trLra$lqggs.ro u*ne$r$enul sU* uf sn qlr/* aleledoo3 {g}:u0llBrirp$-!lJeqt+ pu6 spJBssJ ulslqo ot sn arunqrny (7!:,,lln$*.ts tul8logr{l wre ua[rauu*i ul p*s1*scJ s:adedge8e1 :c €ssuorlt$ns 'sasllsu ospuewepAue Ja saldon sfi Fuas d1*1e1pau:u1 {1}ilsnil p*insili Fanlo${Jl .largc rdue p{JE noAFaJsl$u'cql JO uotls:*rlooii puy *eueplrsv ?'a1ge*1p*"rd *a ufis€ $B "lpr€"It) {.ll!slx a{{| ,s sslis$ llslilru ar\lalai afifr lElllil *l se$ lsnu.l Bsjnsul l€us:llppe rtua tei nol'*14n*1par* ss ilF*$ s* *n {gog {g}puE :panrasa.r slep aqt puE ,Jlnsd Jo u!epsql lCI sr{Jpade €ql pJsrsr llststpe,uu:t (li:lcfill,paJfieu! lnr-rfililppe {ue .H} nni 'pa;nsuq Sue1su;e,sc lll8fto*q q "lln * ro *peru €! rrJlels B ll{il}Et* IO **!}o}* "q'asu*#nrs rs$u*JJn$.a, *ql js tna Sulsps aBuunprc &n{ttl {ue ;a uut}s$al pda *jnteu aq, {g}pug :sassauli*{ pue su*ilgdpsJnful {ue 1o $€css"lppe pu$ ssilJBu sqf {e}lase$ lcs| ssus$eJ0 Rssu€,lln3x0o aql a.raqtA puH uaq,f,l '&q{ {f}:apftl1ul plnoqs as[flu-*Hlscod illslxa €Lll 0l "Lrlel* E ui lln*€rdew qr;qi* asua;tq ue Jo {asuarJnsssd u*Ja €lqx*nf?rd se uoos $E pe5{}ou sJF sr* ieqi{ oI a€$ }$n{r.r psJri$u! leudl}rppe fiu* .rn nc1asilsJJo J* arusrJnss* lo ssllo$ "Es, s0 i0 00 $Hllns Jo llllFl3'&fuEJ€i '*sualrilasg J& lueir3 ar{t {Jt *s}lnE "e'p*6 a$elanng s{I.{l raplJn sLiopeFllSorn* Ja sn anelJal lou llrffi sxslsa slpatnsulsrlx Js ")o p€Jn*ul eq1la ,{**erlssu! Js fi*tdn:quxEfi+qdn.rlueg '3,s 1'{ctltcilo3 .\It'] lgvl"I1VU3il3$ 'lvtsHghtt{to3 ftt I'tOl.$"*3S's*ugJilgul,a spull al{l Eututr-u.tqap ;o samd*nd :c1 pnp€d&ulps*s.rd l*st 6r{1 Jo ilrd psnjsaF 6q lF}*i popsdlEu*|llppe *$ '*sas !*L{l ul '€q:u&1ir E! u€ql s$algn palLad leuolllpps uE Jn, aruenss! .ral;s pepue$s slpsil*d dr11ce! et4 ssslun 'suotlerelseg Brll ui uA o{.l*poyad ri*;1od *'q1 ;n fiu;uug$*q €t41 q16r1 Supet*'sr.$uoui ft uel.ll sssl Jo poped frululeurcr fuesl prl€ pogad pnuue *$rl!ri€${rss r1ts€ c1d1*laedaadpdde p*6 e&e:annX Elq] Jo arueiftEul Jo Ellesll aLfI'u*gte$ slql v! peqpt$€p pus $uo|}Fjsl?ss*r{tr u! u$*rls €*ue.,nsr^}, Jo tlttrlrl s} udtllppe{rl ifru FUB }o g*d e aq llerls }un*u,€ r'1$ng'$usllerEl06a6q1 q unAolls s3u*rnsu! j0 Bllll.r!-] auJ "qJs :$..iaueaJ$E ua$Unfi lo 1ne4snrrrsllir*{ aq1 ur pagp*d* 6*u*ln*$t}o s}lrnll *r{1 "F:Jo Jassst etlt srF€.!ns$!Flrqgppe qlns !n jpqag ua ded ll1/'A €A1 lss$l €ql'd*llod :nad *o FsJRsrrl t*uonlppp rre se p€Fp6squc11cz;ue8ra :o ussad Js{"l1sus 1eq1 luaulaa.r$eu*Itr1.r,lil r* lis"rlu*i $aillJAA e u| paa;6e onaq no,{ tr;spsrnsul lErroillFFv nl rt$dg slltrll] rnsH "s'unslad auo '{ue rtq par.l;e1sns"funful dgp*q* ]r a$$€s*q **cuudx* ls]fp*xil!€ JBI g a$rua,rog :apun lted l[Fr a,411 ]sou aqt$[ilr-r]|l acuadx3 lB$lBslU s{.ll 'FAflqa 'E ol t$€JqHSqu*l.| aeuadxl }Ealp€|,{ 't'asarg Jo ilflllsulqursr due jtuolsoldxa l* Supitl6;1 'erg ru*r1 siln$il e&eurprlf,*$ Jaqlaqne lurr,s a$sr sqt dq Fa$ftBfldpleurlx*:d a$eurep ga o1 sardde yrul'l noA*t pep,sH sequ€Jd aI sEeuJxfr *rg 'u*gscldxa.ro Surulq$;; 'a.rg {q a$euep }o s€Bx bW ul'Jauiitr aqlJ* u*tsslluJad qlpa n*i {q petdn*ro d1prucdu,r*1.rn no,{ cl p6lu+i sllrg!* 'uolsqdxa m 6U1u$4S;1'*.,il.4q s$sli.rep jo s$e? eql ill Js 'nci o1 palusJagqi& '*aslus:d *uo {ue *l ,aFEuBp {}"1*do:d*j* asftffiaq sa$uuep :n; y e6ere&o5 JsFun[sd ll$A sA\ l€oru sq] s! Uull'l n*i CII psliiagFasFxald *1 afieu:eg Fql 'afioqs 'g o1 lrafqngiltrlll FsA aj Faluau *ssluaJd ol a6sw*O 'g'k6SuEUnSrJ€* SU* {UA trA 1ruO sUlSpe ,,A$F[$ApfiU*do"rd, pue frn[uq dltpoq" lle 3n asnsr*qg a6eranns repun sasi.radxa 1er1p*pq "q
contract Dr written agr€ement thal this
insuranc* {s prirnary end non-csntrlb*bry
wi*t the additiunal insured's own in$urance,
l" Xnpwledg* Of An Occurrenc*, Off*ns,e,
e hkn Or $ult
Pxragraphs a, and h- applf to you fi,r 1o any
adcitional insured only when surhuotr*uffgnc€'" gfibnsg. clsixn *r "*uit' is kntwn
td:
{1} YCIu ilr dny addilisnal lnsured that is an
individusl:
{2} Axy pfirti16r. if you or rire add:licsat
insured is a partnership;
{5} Any man*ger! if ypr.r ar the edditi0nsN
i**urad ls a limit*d li*bi{ity esrnp€nyi
{4} Any "execulive offlcef q!- insuranse
mffnsger" if you or the *dditi*nal irr*uned is
* corporation;
{5} Any ttrustee, if yru nr the additinnst
insured l* a trurt; cr
{s} Any *le'eted or appninled offlcial, it y*u *r
the additinnal insured is a pnNitieal
suhdFul*iorr nr public en{itXr.
This duty applie* eeparateiy t* ycu and any
additional insured.
3" Legat Actten Against Us
Ns F*r'soft of srsanleation l"ra* * right und6r thie
fcverage Fert:
a, Tc jrir* us as a pady or other*vise bring us
ints a "*uii" Bsking for darn*gas fr*rR sn
insgred; *r
b" Tn sue us sn i.his Cgverage Farl unless all t:f
its lenn* haye baen fr:lly *arnpficd wlth.
A perscn nr organiaaiis* rfiay sue us lfi re6over'
on En flgr+ed seltleme{t *r on & finaljvdgnr*nt
again*t an in*ured; bui vu* wlll nat be liabla fm
damage* thrt ere not paysbis under the terms afthis e*u*r*ge Far{ 0r
lhat ffrs in excass of the appllcable timlt of
iR*urance. An agreed sefil*mant rn.ean$ a
settlernen{ ftnd relea$e rf llability signed hy us,
the in*ured and lhs clsin'lsnt pr lhe sl*ir*anl's
legal r*pr**nrttslv6.
4. Oihsr lftaursfi*s
lf cth*r velid and cdler{ibla insurencs is
ava{tsb{s to the ins,ursd fer e lws ue cgvar unds
Ccvaragea A or B cf thls Ccversge Fad, our
nbtfual{*nr are ilfiitsd as fdluuc:
a. Prlmary lncuranss
Thie ln*urglrcs l* prlm*ry excspt when b.
bebw appiiee. ff ofirar iRsurane ls alsopirnary ws w}}l share vrlth sl{ t*at athsr
insur€ne€ by the rnqthod desc{ibsd in c,
belot*,
b. Excess lnsurance
This insurance is sxeess ovsr afiy nf th* sther
iflsuranca, whsther primary. &xees$,
santingent sr sn aily *ther h,asis:
fi! Yourllllork
Thet ls Flre, Ext*nded frover*g*, Bulldals
Hisk, lnstallation Risk sr similar coverage
fcr'y*ur w*rk*;
{El Fremi*es Ranted To You
That is flrs, lightrring Dr axploaion
insuranee for prenri*es reftted ts ysu *r
tampararily oceupiad by you *vith
perrnissicn *l tha gwne4
(9) Tenant L*abi$ity
Thet is insurance purehared by you ln
NvsF ytsur tiabilig as s tenant f*r
"pr*perty damage' to prernises rented lo
ysu n{ ternF*rerify *ccupied by ya* sritfl
pennirslnn nf the nwnefl
{*} Alreraft, ,e,ut* Sr Watercmft
lf th* lns* *ris*s *ut *f thc m*inte{'}*nca or
use pf air*raft, "auh*" sr watercrafl. ta lfie
extent n*t *ubject to Exclusion g. nf
S€6t{on I * Covrrage A * Bodily lnjury
And Prsp*rty Damage Uabili{f;
{$} Froperty Earnaga Tc Borro*ed
Equipment Or UrE Of Elavatorr
lf the lcss arises r*l cf *prcperty darnage"lr b*ncwed equipment *r the use nf
eleval*rs ls {he exLent nol subjcct to
Exnlssisn j. t:f Sectien I - Caverage A -
Fodlly lnjury And Proprrly Famage
LiabiSity;
{81 When Ysu Ara Added As An &dditl*nal
ln*ursd T* Othsr lnaurnn*o
Any otl'!€r insurance auaiNable to y*u
cav*ri*g }iabilily f*r dan:ages ariring out
of tha prc,rni*E$ {ir op&ret}onu, cr prnducl*
anrd eornpieted *perat*ons. for which you
f:avs b*en edd*d ** fifi *dditinnali*sured
by thst tnsur*nce; or
{7l $fhen Ysil Add Othere As An
ASdi$oael ln*urod Ta Thir lneeranca
Any o$rar istsilrsnes avsilable to an
sdditloral lnssrcd.
.hlcw€ver, tha following previsions spply to
ath*r i*eur**ee avaiteble tc *ny F€rscn or
srgsnizetbn who ls an eddJilpnsl insured
'ur$Br trF csverssa psrt.
{o} Prfmary ln*umnca tllhsn Requlrud
8y Gcn**ct
This tnsursnce is primary if you hava
,agrend in a wri*sn ffintrEct or witten
sg.eement lhat &is insurafice bs
Fnrnsty. lf other inEuransa is slse
Fage l6 of 21 HS S0 0t &s r$
pdrnary, \r!s wi|l share with all ltst
other lnsursncc by the rnethod
tleecrlbsrl 1* c, balEw.
{b} Prlrn*ry And Nan'Contrtbutory To
Othsr lneu{snea V9han Raqulr*d Fy
Gant*ct
lf !'ou h*'e Egreed in a wriBen
wntrael wrltter'! agraemant, or parmit
tfiat tlrig l*s*rarrea.l* prlmaru snd ncn.
contdbutory with fra sdditisnal
lRgursd'a cwn lnaurarffi. thls i**ursrtcais p*rr$ry and we trlll r:ot seek
mntEbution,liem thsl osrsr lnsuranea.
Faqgmphs {ef end {b) do not app}y !o
.oths lnsumnca tn r#hi& ths sddi$sn*l
inEued hag b*en added as an edditFpaql
ir*ured.
Wllen this lnsursrise ls exce$s, rne will havE
oo duly undar Gsvsrsgaa A ar B to d*fund
lhe iftsurBd 6gsis$t gny '!sull" if any ather
lnsurar ha* a duty t* d:efencl tFre insur.ad
sgainsi thst "euif. ll no o{her lrrnursr dsfsndp,
xp w}ll ur?dertake,tr do ss, but se will be
eil{itlad b the $surBd's righb agein*t ell
thms o$rerinsurers,
When thia insurance is escess over olher
inauranca, we udll pey only st* ehare cf {ha
Fmfiunl sl lhe lnss, if any. lhat sxasads tha
eum a*
If! The tc{sl emsrnt that all euch o&ter
'inaunalre vrmrtd pay fur &s ls*e in Xhe
abssnte sf this fn*urancs: 8nd,
{2} Ths t6ts,! of sg d*dutrdb!6.anrl es${asurad
arns{rflF wden all thal *tl.:er inzuranse-
We wilt ehats th* remaining loes, if any. wilh
any o{har ifisltrsnse Srst iB rpt de*ryibsd in
thie E$€gs tnsunance pmrrisicn and vuss nol
bor.rght spEd{lcfitfy to apply in exco** of ttr€
Limlfs sf lnsurencir shqnn ia the S.edaradcns
of thls Csvsrssa Fgrl.
c, M*tfisd Sf $harlng
lf all ef lhe otheq- insumncs permits
contributi*n hy equ*l shsres, we wiil frllrw
this ffietj'lsd aleo. Undsr thie approxch xaoh
insurer mntributes equal arnnunts un{il it hes
Beid ite *ppli*sble limil of in*urance sr nsn&
of lhs loss rarflains, whlchevar somes tirst.
tf any *f tfie other insurance dqer not perrnit
conlributinn by squal $hares, vre will
sontribute by lirnits. Under thls ffiethod, Bseh
insurels share is based on the rytio rf its
applirabl* tirnit of insur*nca ts tlrs tstal
applieable lirnits qf insura*se of all insurers.
5. Premium Audit
a, We will csrnpule *t[ pmmiums f*r lhis
eoverago Fsrt ln *ecordanee fflLh dur ruls6
and rates.
b. Pren:lum shown in this Coverage Fart. as
advanse pr*iniur* is a dep*sit premlum only,
At ths els$e of esch esdil periorl w* wiil
eornput* the ssrn*d Frsrnl$ffi for that p*riod
and send fio{ics to the first Named Insured.
The du* dats for audit and retr*spestive
Br*miurnt l* ths date sho*,n as th6 due date
on lha bill. li the surn ol lhe adyance and
audlt prenriume paid for the policy perioel l*
*r*.aler than th* earned prernium, ws will
relurn the exssss !n ihe firpt l,lanned lnEurcd.
c, The first ?*lemed lnsur*d rfiust I'leep rt€*rd$ *ftha infarmation vye need for premlurn
eomButation, and rend us copies at sucir
tirnas ag vr* may request,
6. Represarrtatlons
a- When Ycu Accept This Poli*y
8y *ec*ptlng tlrls p*licy, y6u agree:
{1) fhs $t8tsrflBnts ln the Daclaraliorre ara
flocilrate and complgt6;
{l} f,trose stat*ments &rs based upfit"!
rapre*e ntations yfiu made to us; and
{3} W* have ies*ed tlrl* poliey in ralisnce
u psrl ysur repre*antations.
b" Un{ntentlqn*t F*llilrs To Ol*eloa* Haffrds
lf unin{*ntisnally ynu should fait in disclase all
hewrd* relating tc ttrE *onduel af your
bu*lness thai exfst at the inecptlon dst* of
this Coverage Fart, we s*rail nst deny
*sv€rfige under this *everage Parl b*cauoe
of sucFr fsilurs.
?" Separation Of lnsureds
Hxeept l,rith respect to the Limits of lnsurance,
and any rights ot dr.:ti** *paaific*lly aseigned in
this CeveraEe Fart tn the first Nan'red lnsured,
thls lnsuranea xppl[**:
a" As lf pach F,{sned Insured were {ha only
Narned lnsured: and
h. Separately ta each insured against whrrn
*lalrn ie msda or "suit'is brought,
8" Tmn*fer ff Eight* *f Rsccwry &gain*t
Sthrra Ts Us
a, Tran*f*r Sf Rlght* Sf Raccvery
lf the dnsured has rights lo recayar all or p*rt
nf any peym*flt- including Supplementary
Foyments" wts h*ve rnade {.}nder thl*
Cnverage Farl, thnse rights are tnansNened lo
us. The lnsured mu$l dfl nothing after loss lo
HG 00 01 0s 16 Pag* 1? of ?l
inrpair thern, At cur requestr the lnsured will
brlng \uili' or traflsfsr those rights tc u5 snd
help us enf*rce them,
b. Wsfu*r Of Rightr Of Recovcry (Waiuer Of
Subrogallor*!
lf th* insurpd bag *ais*d atry righb of
re*o,very agehtal any parc*n or wganhathn
for sll or psrt of sfl!, Faymailt, includlng
$upplarnenbry FsymsntB, riis have ilrfide
under Sris Gaverage Fart. wa Elgo waiv6 lhal
rlght. pndded ths insured w*ivod th*ir rightaof mo$v6ry against sudr penro{r or
orgnnlxalinn in a crntract, agream*nt *r
Flrnit lhat was exesuted picr to &e ir:jr.lry or
darnaga.
9. Whsn Wc Ix* ltat frsnsw
lf we deside nst ts rsnew thls Coveragc Fa*, we
will rnEil ar deliuer ts tfia first t'jprn*d fnsured
6hs?vn ifl the DeclarsfiFn$ l,vriHsn nnti*e of ths
nsnrenewal nst less thsn 3fi days bei*re the
expirati*n dste.
lf netloe is mailad, proo? *f ffi*ilinfr will b€
sufficient prcaf nf natice"
5EC?lOl-I V - nErlHmONS
t" '&dv*rtfs.€,nrlsnt" rnffins the widespr*ad publi*
disoer*inaiion trf informatiun or image* that hes
the pr.rrp*se uf inducing th* sale of g*od*,
pro*uels nr s*rvin** thr*ugh:
a. {l} Radio;
{2} T*leuision;
{S} Flllb*ard;
(41 Mngexins:
{5} I'dewspapr:or
h- Any other prblication that is giuen widespread
pu blifi disi{lbi.,t li0n,
H*wev*r, "ady*rtis*rfient* does nat in*lud*:
s. The design, printed material. informatlan or
im6ge* ccntnlned in, *n er up6n th*
packaging or labeiing nf arry goods ffi
producls; or
b. An inter*cltve esnversstierl belween sr
Fmong Fersons thruugh a cornpular netwsrk.
3. "Advertieing id*a" mBaRB any idea f*r an-gdvedigernent""
3. "A*b*rtos hesards msans an exBssur* *t
threat cf expns{,lr€ lu the acluai nr alleged
prsp6rti6s of ssbestos and includes the m*r*
presenc* cf asbestas in any form"
4. "Autc" menns;
a, A land finotfir vehicle, trailer sr serytiFniler
deslgned f*r trsvef an public roads, including
any ataehed rnachinery cr equipment; or
b, Any olher land vehiele thsl is Eubject to e
compulsory m {inancial re*ponsibitig law or
nther rn*t*r vehinte ir:surgnce law whers il is
lidsnsed or prl*clpally garagad.
However, 'aute" d*ee *al inrlude "m*bil*
equiprnentl'.
5" "Bndity infury" {Treans ptryslcel:
a. lnjury;
b. €ickrrss$iar
a 0lsaass
suttainsd by c persan end, if arising nut nf lhe
absv€. menlal snguish rr de*th at 6ny tirrns.
E. "Gsvgr&S6 terrltory"' m*an&:
a. The United SHtes F{ Arrreric* {incfuding it*
tenit{rrl*x en'd possesnmnsi, Puerlo Ricc and
Canada;
b, lntematirnal waters or airspace, but *nly if
the injury cr damage oecurs in the courss of
trayel *r transparlalicn bstween any places
ineludad in a" above; pr
c" All *iher psrts sF the wsrl$ lf the injury or
damage arises rut afr
{'l } Go*ds or prnducls made sr sold by ycu in
the tttriiory des*ribed ln s- nb*u*:
{Ul Tha acthiilas *f o p*raon whuea h*me is
in the terrilcry dascribed in a. above, hut is
away fm * thert tim6 Fn your businege; *r
{3} "Felson*f afid sdvcfiking lnju$' oflenser
thsl fske plane thrcugh the lnternsl nr
si,riiler slsctroni* means of *ornmunie"atim
provided the insrlredls resp*nsibilig tc pay
damages i* deterrrined in the Unikc! Statps cf
Amsrica {ir*luding its t€nitsries and pnxsaesirns},
Fuerl* Rlso or Canada, in a nsuit" nn the rn*rits
aemrding {s tha subatnnfiye t*w ln uuslr tc{ritpry ar
in a settbrne*tlils agres k"
T, "Eruplnye*" inc*udes s "ieased $to*er".oEmpbyee" d*es not include * ot*nnporaqy
wnrked',
$" "Ernp*oyment-$letated Fracticss" mEans:
a, Refusal{o emplcy that psr$Bn:
b" T*rmir*ation oltfiat p6rscR'* *mployrnent; *r
e, FmFlsyrnen!-r*lat*d praeilc**, pol,hi6s, eets
qrr onilissisns" $ufh as msrc,ioR, dennollsn,svaluaii*n, raa*s,ign*r*rrt- dinciplina.
defarnati*n, harassr*ent, frumilintinn,
diseriminatisru sr nnaiicioua proreeulluR
directad at that psrson"
9. "Exerutive pfftcer" nn*ans s person hclding any
sf the offl'cer pnsillon* *rest*d by y*ur chartsr"
e*n*titutf*n, by-luw* sr dny rlher sirnil*r
gnvenning docun'lent"
10""ltostil* fire" m*ans Grte luhlsh beporne*
ilncsnkaltable sf breaFis sut frorn wl]ere it Was
irr{ended ts be.
Fage lS of 21 HG *0 0l s* t$
t1,"lmpaircd property" mssns tangible prsperty,
nther thnn 'ysur prod{.lel" or "your wark", thst
sannot be ilsed or is less useful because:
a. lt inccrprales \;cur praduclo ar '1oaun w.nr*n
that i* knswEl or though{ ts he dBfeetiv€,
deficienl" inadequate nr dangernus; or
b'" Ysu have failed to fuliill ths terrns of a
sontract or xgraernent;
if *uelr prsp€rty c6fl h6 rsstorsd ts use by ths
repair, replaf,€msrd. adjustnrent or removal uf.your produet" *r "your wsrkn. cr your fulfilflng tha
termE uf ihe mr*ract Dr agreernen!..
*2. "lnsured Gtrntrart" rnean€:
a" A Bontrflct fcr * leaEa sf premisee, Hnwev*r,
that Bfirtisn of th6 cofitr*et for a le**e of
premises tl':et Indernnifies any pelxsn nr
ufg&niufitlcn for d*r*aga hy llrs. tighining or
explosinn la prernises while rented t* ytu o*
ler*pnrarily 6c*upied hy ynu rdth perutris*,lon
nf ths a,vdner is sub,fect tn lhe Sarnage ta
Fremise* Rented Tc Yeu Lirnit deeeribed in
Secticn lll - Limils of ln$urenca;
b" A eidetractc agraarnont;
c. Any easemsnt trr licens* asresment,
inctudlng dn Bf,$€ffi€nt or license agreernent
in ccnnectlon wlth construction sr demalitinn
ffperstions nn or wifhin 50 feet of a rallroad;
d. An obligatipft, ss reqsired hli ordinsnce, to
indernnify a municipality, except ln cnnnecti*n
with work f*r a municipality;
s" An eleuatsr mainteRa*ce *gre*me*t;
t Th*t paft sf eny ffher erillfa0i of a*rs&rtlent
pertaifiing lo your husiness {including an
ifidemnitlsation p{ a rnunieipality ln *cnnactlsn
ir,itfi wcrk perfnnned for a municipality] under
whieh ynu as*uryrs the tod liability cf anulher
parly tr pay for 'b*dily injuq/ nr 'properg
dan'rage' le s third p€rs+n or *q*niaatirn,
Ffnv;d6d the "h*dily inj*ry" *r 'Ff*p*rty
darftage* is caused, in rahgle or in part, by
y6t, nr by ihosa aeting rn your hahalf. Tort
liability rneailrs a liabilitir that would he
inrpcsed by lew in the abs*nce of any
contrsel rr agre*m*nt"
F€mgraph f, fncludaa that pad of any contract
or agfaemert thet lndemntfies a reilrqsd f*r
'badlly injwf sr "proparty danage' arlsing
sut *f canskuatisn or dsrftslllicn eperatisns,
wrgrin 50 feet of any rearffid property end
sffsc*tng sny raiir€Bd bridge or bestia, trechs,
rosd-beds, tunne{, underp*as or wo*ring,
llcwewr, Paragraph f" doee ns{ tnrh,lds that
part nf any eontracl rr agreernent;
{1} That indemrrifies an srchitect, engineer or
$unr6yer for $njury ar darnag* arising out
cf;
{a} Freparing, apprrving, or failing ta
prepare sr aBprsv*, m*ps, ahop
drawings, opinlnns, reports, surveys,
fleld nr$er*, ehange srders or dr*wJngs
and xpa*fficatiann;or
{b} Giui*g dircctions ar insiructiuns, or
falllng lo give thnm" lf that ts thc
primary cause sf the injury or darrr*ge;
nr
{21 L}nder whish Fre lnsured, if an archi{ect
*fl*l*e6r or $aJrvsyor, assuryrss liability for
an iniuty or damage arising s.rt of the
ineured's i€fl#aring or fsilure io nandsr
professional servicesn including thsse ljcted
ifl {'!} ahvs and supervieory, inrpeetbn.
a*clribct*rnl or c*gireering *ctlvitis6.
13."L*axed w6rksr" rneans a perssn l*ased lo ynu
by a labur laasing firm under an agreem€nt
betlvsen you and th6 tabsr lae*ing finn" irp
perforn duties relaled to the c.enduet of your
busln*eg, "L6asad 'nsrk6t" d*ee nat in*luda a*tenrpnrary vrmrkef.
14."Lcadlng or unlsading" means the handling of
proFerty:
e" After it ia rnowd fronr tlra plaoe r*here lt i*
ac*ep!*d fnr msrement intp sr snlo sR
aircraft, wet6rcr6fl or "gtjto";
b, While it is in 6r o* an *irfrafl. watster$fl srnauts*; ff
e. While it l* being rncued frrm an nirsaf{-
watercraft or 'aulc" ic the place where it i*
finatly de[ir,*red;
but 'loadlng or unloadingn dse$ nE{ includa t*e
m,fivernent of prcperty by n"leans cf a mecharlical
deviee, *ther thxn a hand tnrek. thet h not
attachgd tn the alrcreft, waiercfafl or n*uts"-
15."iiloblls *quipment" rTle€ns any nf the fnllnwing
types of Na*d vehieles, tncludlng sny attached
rna*hinery cr e,qulpment:
a- Sulldozerp, fsrrn machinery. lnrklifts and plhsr
vahleies de*ignnd {*russ princip*lly ctf pubtic
roads;
b. Vehitles maintsinsd f*r use s*lely un nr *ext
i* prerni*** y*H *srn cr rar:t;
c. Vehisl*s thst lrsvel p* cruwlnr lr*Hds;
d. Vehi*l*a, wtrs{har: sslf-pFspsll*d ff not,
maintsin*d primarlly to pr*vidr m*bility lo
perrnanently rn ou nted :
{1} Fnwercranes, sh&v*ls, loadsr€, diggera *r
driils:or
{Al Roed con*tructipn sr rasur{ecing
equipn"lent such as graders, sfflapers fir
rnlle,r*;
e- Vahi*las Got dearribed [n &", b., c. or d. *borre
that are nct self-prropelled snd are maintained
HG 00 u{ n* lE Page {9 af ?l
primarily tn provide m*bitity to permanently
attaehed equipment of lhe, following types:
tll Alr e€mpr*ssors, pumps and generntors,
incft.rding spraying, welding, building
el*€fli.lg. gsdphy$icel exploratlon, {lshtln*
and well senricing equiprnen{; or
{2} Cherry pickers and similar devicee used ts
rais* nr lswsr ts$rkers;
f- V*hicles nol de*rrlbed iil a., b-, c, *r d. ab*va
rnainlained primerily fmr purposes nlher thsn
the transp*rtatilsn of pefcsns or csrgo,
F{cvrcver, se}Fpropall*d vehieles urith ths
fallowing types ryl pernnanently aitsehed
equipment *re n*t "rrr*bila eqilipmer{t" but wilt
bs [oft sids red "Br.ltcs";
{{} Equipment designed primarily fnr:
{a} $nrw rer$sv*h
{b} Rssd rn6iRten*ne6, but nst
csnstructinn nr resurfacing; or
{c} $treet cleening:
{3} Sherry pic{<er* and simitar devices
rnnuntpd cn sutomobile or truck chassis
and ussS tc raise or lower workerg: and
(3) ffr soffipras$sr$, pump$ and gen*r*ter*,
including spraying. welding, buildlng
clearing. genphy*ical *xplorati*n, lighting
and well servicing equipnrent.
l'{nvnever, "srsbile equipn:er:t" does nrt include
any lrnd v*hiele that ie sub]**t lc a eompul**ry
or financial respcnsibility lav,, sr o{her mclor
vehiEle in$urane* laru wh*re il is iieensed sr
prfnrlpelly gar,*ged" L*nd u*hicle* subJ*ct to *
cornBulsnry nr financisl resp*nsibility law ar *then
nrc*lor v*hiqle lngursnee law are conaidered
"6titos*.
16,"O*curranseo' F!-!sans an accident, including
eenlinu*us or r*peatad *xpss$rs t* substentialty
lhe sama general harmful c*ndili*ns.
t7""FetrsunaE snd advertlslng injury" ms;lns
inJury. inchtdi*ig canseq***[i*l "bodlly lnjury',
arislng nut of ane Br mora of the followins
ofJs.ns**:
a" Falce flffs$t. detentic*,ar irnpri*anm*nt;
h. h'tslleinu* pr*serutian;
c. Tlt* wrcngful svieti*n fmm, wrongful entry
inlp, *r inv*sipn *f tha rightr sf privatc
sscupancy of a room, dwalling or premises
thBt a p€ffipn trr rrgaaization o*+upies,
*amrnitted by or on behatf ot it$ owner,
landlnrd nr lessnr;
d- Orai, wrilten crr ele*trqnic publicaticn, in any
rnafifisr, *f rfiateriat ih*t *Ianelem or tibcls a
perss{r o,r organlaatian *r disparages *
ptsrson'$ *r org*nieati*n'* gods, pn*duct* cr
aervices;
e" Sral, writtsn *r ele*trcniu publlcation. in any
rnanflFr, nl material that vlolete.s a pers*n's
right of privacg
f. Capying, in your ''advertisemenf, a perscn's
or org*nirctiofr'$ "ad{6rb*tnq idea" or style *f*advertisement"; or
g. lnkingemsnt cf ccpyright, sfogan, cr tltle Df
sfty l;terary st srtistie wori(, ifl yfiuruadv€rtisemento"
18."Psllutents" mesr! any snlid, liquld, gase*us or
tf':*rmal irrllan! or cnntaminant" in*udlng *mcke.
vapor, soot, fumes. acids, alkalis, cheflricale and
weste. l$arte includes material* ta be raeyeied,
reconditioned or r*cla*nned.
IS. "Prsduct**compl*ted operationr harard":
a, lnsludes alf "bedily injury' and *property
d*n'!6qq'sc,Eilffing aw*y from pr*rnlaex yru
a\fffl or renl nnd arising nut nf uy*ur producf'
or "your work'except:
{11 Frodueic *hat *re sfiltr in }rur ph}sical
passessinn; or
{t} Work lhat has not yat b*e* campleted or
ab*ndoned. Flnwguar. "ycuf wolk'n wllt be
deemed €ompleted at lhe e*riiest of the
f*llowing {irne*:
{s} When all of lhe wsrh eatled fsr in ya'Jr
contrent ha* been cnmpl*ted.
{b} When ali cf the wprk ia be done at the
job site ha* bsen c*mpla{ed if X.uur
eaniraci callE fnr *,srk at nr*re then
*rte jnb xite.
{e} Wh*H that Bert nf ths vrffk d6nF Ft a
jnb slle l-ras heen put t* it* intended
usc hy gny psrsorl or org*nix*li*nrther lhan another contractsr {rr
*ubeontrset*r working sn th* ssma
prCIjact"
!\lork that rfiay need $arvt'ce,
malntensnes, corection, rspalr 0r
replacement, bul uvhich is sthersise
c.*mplel*, vdall he treated *s e*mpl*i*d.
b" SneE nsl include ''bodity injury" or "prollerty
darnage" arising sr.rt of;
t1l The Sanspa{t*tion af praperiy, unl*ss the
injury or darnage sr;$&* s$! Bf * i*adition
in nr nn a uehicle nn[ owned or uparaied
by ysu, and thct eunditlon was ereaied by
tl'l* "lcading or unfoading" of that vehicle
by any lnsured;
{Il The exlstence sf teols, uninstalled
*quipm*n{ or rbandoned sr unusnd
mrterials; or
{$l Froduelr *r ope*rtians tror wlri*h thn
classlfifation, list*d in tha Feclaratisns sr
in u poliey $chedul*, staiee that products-
Fage 30 of 2l HG 0{r 0t ss ts
completed operatiofls are subj€El ta the
General Aggregate Limit,
?*,'Froparty darna ge" rnfi En$:
a. Fhysieat inji*r"y to tangtble prap*rty" ireluding
all resutling lsss of use of that prop*rty. AIt
auch lqss of use *h*ll be deernsd !o *ccur at
the tb.ne *f th* physical inlury thal cau$ed il;
d{
b. Loss sf us6 nf tanglble praBerty ihat ls flat
Fhfically injured, All such loss of use shall
be danrned to occur at ths tlms sl th€oscrurrbnr,q" thal caused it"
As used in thls dsfiniticn, c*mputerized or
elo*tr*nleaffy *tfir€d data- prograrn* tr .snftvo*re
are not tangibl* p{eperiy. Electron!* data maans
infnrrnatjon, faetg w prfigrams:
s, Stsr6d as fir 6ili
b, ereeted cr usad cn; ol
s" Trensrnitled to cnfrom;
*smputgr softtrysr*, i*cluding Eyst*rx6 and
applicatiorr* softwar$, ha,rd or fi*ppy disks, CS*
ROM$, tapes, driv*e, qells, data preeessing
d*vie*c sr *ny rthar media which are usad lqith
electronically controtled equipment,
tl""Sult* r$#afis a civil prnneedlng in wtrich
dsm$Sas becxuse of "b*dily injury', "prop6!:ty
damage" or'perso,nal and advertislng injury" tc
whi*h tl'ris ln*Ur&fl€€ applies are all*gad. "Suit"
includes:
r. An srbitralion procaeding in which such
d*mag*s srs clalrned and i* whi*h th*
insursd rnilst sutlr$it or d6#$ euhrnil wit'r *ur
eansent: u,r
h, Any *ther alt€rnaliv€ dlsput* resolutioR
proee*dinq in yvhich such damages ars
ulalmed and tc which the insured submilr srith
our mn**nt,
2?,"Tempornry wrrker* rn&ans a p9r6ftrl wfi* is
iumished to you ts pubstitut* for a penn*n*nt
iernploy*e* *n leav* *r to ile*t se8gofial or
shrrt-ter&'l wCIrklred mnditinns.
23."Vaiuntaer n'orker* m6ans o person wha
a. l$ nfil your'employe*";
b, gsrx€tss his or har wsrk:
e. Aci* at the diresiion cf *nd witrrin the s**pe
rf dulies determlnad hy luulsnd
d. ls nnt paid a [a*, salary ff other
eampensatinn by you flr anyons else for thelr
work perf*rrned for y*u"
14. "Yeur product*;
a- Means:
{ll Anf gno*s or prududs, sther lha* reat
prsperty, manufuctured. sntd, handled,
distribqJted sn dispnsed sf by:
{xl Y*u;
{bl *lhers {r*ding under ynur flern*; or
(el A perssft or crganizaticn whssa
busine*s or as*ets yeu fiav* acquired:
*nd
{2} Gontainer* {nthe1 than v*tricfes}.
materi*fs. Farta sr squipffiE*t fuffitshed in
connscti*,n witlr *ucl'r goods cr produsfs,
b. lneludes
('l! Warrnnties ffr rcpreseniations made at
sny tlrne with r*speet is th* fitness,
quality, durabili$, perfcnnance or ilse of
"your product"l *nd
{3} Thx Froviding of or failur* ta pmvid*
warnings rr ingtnrctipns.
e. Dnes n*t inefi.lde v*nding marhines nr other
Fr&Fsrty rpnt*d to rr lccaied for ihe uss gf
*thers but not sold"
3S,'Your wcrk";
B, ll4eans;
{11 W*rk *r aperali*nr porf*rrn*d by yru or
sn yfiir bphalf;*nd
tFl Nateriafs, Ffirts *r equipment furnirhed in
csnnec.linn with *rjch work sr sF€ratlans.
b. lneludes
{{} Warrnnties or iepresen{Elipns made at
sfty tirne $ifi respeet te t}:e fltn*s$,
quality, durab'ility. perfonnanue or use of
"ynurw*ri*,'. and
{31 Tha prouiding af or failurs t* pr*vide
wamings 6r instruclions.
HG00 ut 0s tfi Pag* 21 af ll
THlg
=I*DOHSEMET'IT
GHAHGES THE POLICT. FLEASE HEAD lT EAREFULLY.
EOMMERCIAL AUTfrMOBILE BH0AB FOHfLII
EHT}OHSEMEHT
This endsr*en'rEnt qrCIdifies lnsurancs prcvided under the fullnwing:
SUSIHEES AIITO CSVEFASE FSFiI
Ts ths extent thal lhc prcvisions of thie &n$s{"ssm6nt pruvlse hnoader bcnplit* tc lhs *insursd" lhsn sthsr
provisicns of frra Ccversge Form, ths prc\r;sis{ts of il,liE *ndars.ameni apply"
FFLICY: 5*UEFIOL&66$
AI.FNC.WOS
!. SFOAD FOBI' I}ISUREB
A" Sub*ldllr*se snd *teusff &cquirEd or
Formad Org*nlaelinns
Tha Narnsd lRsucsd nhovsn in tha
*eclaratinr*e is arnendsd to include:
{t} Any lcgal businass entig sth*r than a
part*ershlp sr ieifi{ rranlt*re, lnnn*d aa *
*ubeidiary in whleh yolr have &Fl
o*rnor*hip lniBrssi of mnre tna*.$0% on
the ef{eetiv* datB ol lhe *nvarage Fcnn,
Howpven *h$ Naniled lnzursd dws not
irrclude any subsidiary that is an
'insured" under arry olher autiBmobile
pc{iey or umuld be *n ''insured" under
such a pllcy but fsr its lermination nr
the exhauslinn *f itp Umit sf lnsumnce.
i8) ,Any organleation that l* aequired or
forrned by you and over which yor.l
meintain nrajorlty owner*hip. l-{fiwevar,
the Nanned lnsLlred does ncl lr:cluda any
newFy formed *r acquired organixati*n:
{q} rnat l$ a partnanrhip or joint
{gntlrre,
{b} That is sn "insured" under any cther
pnlicy.
{sl Tha! has erhausted its Lim'r,t o{
lnsurance under any other priley, *r
{d: 18* days Dr mora afler lts
acguis[tin!'l *r lormatian by you,
unless yru heve giv*n us nclice of
the acqulsitlo* or fnrmatisn.
C*vnrage dms nqt apply ln "bodlly
inJury' nr "prtparty d*rnage'' that r,esults
lrnnn an "fic*id8ltrl" that oscuffgd befere
you formed or acqulred ths organhatian.
B. Employ€ss ag lnsur*ds
Paragraph A.t, - W{il 15 AN |!\ISURES * ot
SECTISilI ll - L|AEILiTY CCIVEFIAGE is
flnended to add:
trSMI"IIEF*IAL A1}TO1IOB ILE
*tA sg t6 03 ts
d, Any '?rnploy*en ol yours whllo using a
cevergd t'aul*" ycu dunnl pwn, hire nr
bprrsur in ysur busins*s 0r your
p6rgonal affairs.
S. Les*ort as lns$rc*r
Faregrxph A.!. - WHS lS Altl ll.l$lJfiEF - ot
Se*lisn Il - Uability Saver*ge ie aff*ndsd lu
*dd:
€. Th* lass*r of a **vqred "*ul*" whlla lhe
'*utfin i& le*god tr you r.lndgr a wrltten
agreenmnt ll:
{1} Tfie agreement requkes you ls
pruvlde dhect prirnary ineurrncs tsr
the Iessor and
{Si Tlnn oauls'' iF feased lvj$rcul a driuar.
Sueh n l*assd "&uts' wlll be cansidursd a
**vgr*d "*uio" y*1.,t swn and nnt c eouened*auto'ysu nirs.
O- *dditisnel lnsured tf Required by Spntmct
{1} Par*graph &.1. - Wt"lS lS AN lf'lSUgEF- of ,S*c*isn tl ' Llebility fiouercga is
*ms*dad ta *dd:
f. Wften ypu have ngread. in a writlen
wnlract or wrifien agroemeni, thal a
p*r*on ar rrganiaatlcn be added aefin addltlpn*[ Fnsursd' fin ysur
businasu autr pnli*y, cuch psr$oR *r
organlaation is gfi "insursdo, but nnlyto thtr efifiBnl sleh p€rcorr 0r
orgsfiiratjon ds liabla for ,'bodily
lnjurf' ar "prnFertty darnage* caused
by the *ondust o{ an "insgred" under
paragraphs a. or b. cf Whs ls An
lllsur*d wlth r*gard l,o the
cwnerslrip, maintenenue *r uae *f a
ctugrad "auto,"
S f0! 1, The Hanfnrd {l*elude* copyrighted malerifrl
c{ lSCI Fropertien, Inc,, wjfi it* peemi*tion,}Form HASE l6 Bg l!FsgF I ot 5
Thx lnsilrnncs sffsrdrd to eny euclr
additional insurpd applies only if lfra-bodily lnjury" sr "proFnrty dsmas&'
trcc$r8:
{1} Ouring tft* ptrlify period, end
{PJ $ubsequant to th6 sxscuiion af *uctr
writte* contract, and
{C} Frhr t* th* *xpirallsn pf fie peri*d
al tlnre thet ltls wrltt*n csntract
requlr*s sunh insurance be pr*vlded
ta tha addlti*nal insurrd,
{2} How t-irnits Apply
H you hava *grocd in e writlsn cnntractor wriflEn ngr*ernent thel nnsthsr
Fsrssn or crganieati*n hr add*d as an
additionql insured on your pntictrr, tlre
rnost ws will pay on behalf of such
edditional lnsured ie the ilessarnf :
{a} The limits sf lnsurance speaiFied in
tha nrft pn contrafil or wittsn
aEreernenti 0r
tb) The Lirnits cf lnsurancs sll*ltrr in
the D6.elRraii*rts.
Sil*h arnssnt chnll he a Fert *t and not
in addition to l-imits sf lnsurance shnqrrrr
in tl'le Decfaratl*:"rs and destrih€d in thi*
Section.
{S} Additional lnsureds Otl:er lnsurance
lf we esv*r * elairn or "sutf' uilder this
Ccvarage Fart thst r*ay also bp *uuered
by other insuranse Evaitahle to an
additicnal insured, such additienal
lnsured mu*t *ubrnil such daim sr i'$ulf
to the *thsr in*urer frr defen:e and
indemnig"
l.{swevet thia provisirn does npt apply
ls the exlsnl that ysn have agre*d ln a
written Ggftiraet or rirrittcn agreemeni
tt':at lhie ineur,nnce i* prirnary and non-
contriblrtsry with the additl*nal irusured's
own i*sur*nce,
{4} Sutias in The Evcnt Ol Aceident, *lairn,
Suitr sr Loss
l{ ynu hav* agreed in * written eontract*r writl€n a*r6Bm6nl thal ffnolh*r
psrssn or crgank*tis,n ba addsd as an
additional fnsuraS on yfiur poticy, th*
additional insur*d shsll he r$qilirsd to
comply with tl'le provisions in L*SS
CONDITIONS A, - DUTIES IflT TH€
EVFI\IT OF ACffINENT, GLAIM , $UTT
oR LO$s 0F $ECJtgr{ tv
€US|f'IESS AUT0 CCI{DlfmI{S, in flre
sam€ mann*ras {he }*amed lnsured"
E. Frlrnary f,nd H*n"Gonlribut*ry if
Hequlred by Contract
Only v*itlr r€speet lo l,ftsurenco provNed tu
*n *dd;tlsn6l insured in 1.D. - Additinnsl
lnsurad lf A6quir#d by Suntrnci, the
f*l l*wing pruvi*inns apply:
{3} Primary lnsur*nrs Wh*n Fl*quimd Ey
Gonhnct
Thia lnsurane* ls primary if yuu hav*
*grood iil a 1*ritl6n csnlraet 6r ivritt€n
*sresmenl lhat lhle lnsufancs he
prifiery. ff fi,thsr lnsuran*s ls hlss
prinrary, we Will sh*re irvith ali that o*ren
iftsuran** by the rnethod d*scribed irr
*ther lnsuranca 5.d"
(4} Frirnary And Non"Ccntribr:tory Tc Sther
lnsr.rranse Whe* Required Ey Ccntract
l{ ynu hav* agreed ln n writtan ccnbact
or written agreenrent that this insurencs
is prln'rary and non-son{ributory with the
addiiionaF incurnd's *wn insuranss, this
lnsurance is prirnar? and we wjll nst
s*alq wntributian from fhat *ther
insurance,
Parapraphs {3} and {4} d* r.lcl *ppty t# Bther
inaurance io which the additiortal in*ured
has been added as sn a#ithnel insgred.
When thig :ir-lpurenee is sxcess, we wiil havg nu
Suly to def*nd the insured against any "suii' if
eny ot&er insur*r has s dufy to dnf*nel the
lnsured s*einst th&t "$uit'r" [f n* other ln8iltsr
defends, wa will undartake ts do $*, bur w* *itl
ba *ntitled 1o trhe incured's righls ega;n$t sll
th*s,E sthEr insurers,
l$harr lhis insuranes l* d*mss 6uer $h6r
lnaurane*, $cs lryilt pay *n!y *rJr eh*re of the
ar$oilnt o{ the los*, ll any, that exceeds the surn
o{;
[1] The tstal &msuil! th€t afl such *ther
Insuranc* would pay for the lo*s in the
*bssnc* *f thie inaura*ffii arrd
{2} The toial cf all d*dlreiible arrd sslf.in*ursd
Emount6 under ali that otFrer insuransa.
We will slrare lhs r*r*aining lose, il any, by thg
m*thod dsserib€d in Other ln*uranc* 5.d.
2. A{,'TS$ RHNTHA FY HMP;"OYEE$
,4ny "€uto'' hired *r rented by your ''Gmployss''
sn four b*hali end at your dlrsctinft will be
csngid*red an "EUlFll ycu llim.
Ths *THEFI INSI..jR*FIGE C$ndllgon i$ am*ndsd
hy addlng lhs fdllswi*g:
s] 201t. Tl're Hartford {lncludes copyrighted rnaterial
sf l$O Ffoperties, lnc., w.iih itp permisslac,)Form HA 99 l6 B3 lI Page 2 ol 5
lf an "employac'*o parsonal |tlguranca al*n
applias Fn fin 6xc*5q bn*is lc a couere* o'autco
hirsd or r€nt6d hy yrur "eRnpN*ys€* on y6ur
behalf snd et your dlreetion, fils insuranea ulillh€ primsry lo the "ernploys€rs* p*r*o*al
insuranne"
t. AidHt-lDH[ FHLTOW HtriFt0Yeg EXfLUSIOH
EXELUSION S. . FELLOW EMFLOYEE - cI
SSffTION ll - LIABILITY COVEfrAGE d*es n*t
apply if you have workers' crmpenaatlsn
insuranee in.Jnrce *ov*rirq #t sf ysur
nempltryeeE-',
Ccverage is pxcess DvEr ,ady sther enlleetibte
in*ran*g.
4, FfIREO AUTO FIIYSIGAL $ATIA€E COVERAGE
It flked "fiutss" *r* oovergd ^auhcs* for Lkbility
Gaver*ge *nd i{ Comproh&nrive, $pe*ifi*d
Gauses cf Lc6r, or Collision coveraEec ars
prnvided under thig Coverage Foim for," any
"auto" ynu own* then the Physicat Dantage
Gcvn,rages prnuided aro exlended t0 ''auto** you
hlre srbnrrs\u, subiecl ls the {sllawing llmit.
The most we tr$ill pay for "lossu to any hked
"Bul$t' i$i
{'l} $10CI,s0il;
ff) Yke aetuat *ash value *f th* darnaged or
sltolun property af ths time cl tha lltrs*Il uf
{$} The ccst uf repairing *l replacinrg the
d*maged ot stdl€n propBrly,
whiehsuen ig smellest, minus a deductible. The
deduetrihle will be equallo ihe fertreEt deduutifute
applicable to any nvsfiEd *autoo' lur thal
s,suerage- N* deductible appli*s to "losF" cffused
by fire nr lightning, Flired Auts Pfryeicai Fnmage
FoverflSe is excess over any other callestihls
ineurar*e. $ub'j*et to ti.le abpve limit" d,ed,u*tiblo
and exosp.s praviebn*, w* wlll provid* csvsra*6
equaltc thu brcadast ccverase xppllcable t* any
covrra* *aul*" you orrrn.
Wa vrrfil a[Eo csvsr loss of u$a 0t the hi*sd *auls'
il it rasutt* {rpm an "aecidsnt", y€u are legally
liablp and ths tgs*sr lncurs an actual financlal
los$, suhj**t !0 a maximum of 9100CI per
"accid*nt",
Thia extensi*n af cnueragp dnes nol *pply to
any "aul*r'yoil hirc or bnncw frorn eny of your
"smploye&#r, partnefc {}f yau ar* a pertn*rship},
rne,rnber$ {if you are a limltM liabllity mmpany},
pr rnembers af their funuseh*lds.
5. PTIY$ICAL DAiNAGE " ADDITIO!{AL
TEMPSNANY TRAN$PSRT*TIShI EI{FEI'ISE
COVERAfi€
Faragraph A,4,a. cf SECTION Ill - PHYSTCAL
EAtulAGE CCVERACE is emendad to prcvlde a
limlt of *$CI psr day and n mnxirnum ltrnit nl
$1 $SS,
6. TOAHIIFASE GAP EOVEHASE
IJndgr SECTION III FIIY$ICAL *AMAGE
COVERAGE, in th* *vsnt cl a lstel "to$s" td a
cwernd**utn", w* witl pey ystrr addltiona{ lrgal
sbligstisn f6r aqr diffgrenc€ bsth,€sn the astuet
cash value ol the "Euts" at the tim€ ol ths "loss"
and tfua'outstAndins balan6e" o{ the foanllease.
.Sutstanding balanee" mssnfi lfte annunt ycu
nrs€ sn thg loan,{ea$e at the tlrns of "lssg. llegs
€ny *fntrunE repres*nting texes; orrerdue
payrneflts; penalties, interest or charges
re*uliing from cverdu* payrnen{s; additrsnal
rnileage shnrges: sK{eB$ wear snd {ear charges:
leasp terminstipn fee*; s*eurity dep*si{s nflt
relurned sl ttr* le$f,ori e+sl,* fnf er.tand*d
walrantlEs, credit life lnsurnnc*, health, ae*ident
cr disabilily innuranra p*rchaa*d ry*ith ths lpnn or
leefis: **d csny-ovsr balences ftom previou*
lbnrlg or l&6$ss"
7, AINFAG E*VERAGH
Undnr Faragraph B. EX0LUSION$ - s{$F*NSN III - FHYSiCAL *AMANE
C0VEFiAGE, th* fnlls$ing is addsd:
Th* exclusion r*lating tc mr*chsnlcat fora*kdenpn
dses nnl xpply to {he accidsnt*l di$dlarge sf sn
airbag.
8. ELECTRil}IiC EfiUlPl|JIENT " BRSADE'{EO
6OVENAG€
€. ThB oxc*ptlon* tc Famgraphr 8.4
EXCLUSffiNS - nf SEGTISI{ lll - FI-IYSICAL
OAhl&GE frOVERAGE arr rapiawd by ih6
folloulnE:
Excluslofis d.s. and 4.d, dn not sppty ts
aqulpment clesignad to ba *p€rstad *oi*ly
by uee 6{ ths pw*r frnrn lli6 "iliulolg"
el€ctflcal syst€m ih,&t, at the tirne sf ''los3r'.
is:
tl] Fermen*ntly l*alalted in *r uporr
the efrvered nauto";
{2} ff*morrsbls frnm a housing unlt
which is perrnanendir inetalled in
or upsn *le csuered "aul*',;
{gl An i*tagral Fart of the, esrns unithnusing any Blactrsnie
eguipment described ln
Faragraphs (1| and {2} above; cr
& 20'l t - Tl're Har$ord {l*elud** copyrighted materiill
*t l$O Prope,rtie*, Inc., with its permission,)Form HA SS 16$g tl Fage 3 of 5
{4} Nr*ssary hr the nornsl
opsralion ol the covered "gutro" Fr
th* monitnrlng af the csvar*d
"aut&b" spefating syel*m.
b.$ectian lil * Verficn CA flO 01 03 t0 nt tha
Bueinacs Aubr Cov*raga Ffirm, Fhy*ic*l
D*mage Goverqqe, Limit ol lnsuranean
Par:agraph C,g srd Varsion CA 00 01 1S CI"t Gt
tha Etusinass Auto Coverage Form, Pl'ryslc*l
Damage Ssveragfl, Umit af lfisuran€e,
Paragraph C are saeh arnerded t* add the
followirg:
$'1,5S0 is the m*st we will pay for "lu$sn in
any Dne "assjdenfr tu att ele{tranie
eguiprnent {othw than *quipnr*nl de*igned
solely lcr ihr reproduclion oi eound, and
aseesssries us*d with sueh rquiprnent)
that rapraduces, rec*tv*s cr tran*mits
ff.idio, rrisual sr data *lgn*ta which, at tfia
tirne of ''lo&9", is:
{l} Fsm*nenliy inxtalt*d in or uFcn
the *gvsred "sutfi" jn a lt*u*lng,
opening or alh6r Fscathn lh*l is not
nnrrftally uaad by ths u'&uho
manulacluref tor tlte installatian of
sudt oqulprnent;
{!} Eernov*hle fror* a p*nilanen$y
incta[ted ]'lousing u*[t a* deser]hsd
in Paragraph g"a. ab6v6 sf i$ an
inlegral Fart s{ that squiprfieilh sr
{3} An tntagralpart of srlch equipment.
c, Fnr aa*h ccversd "*uto", should loss be lirnltpd
ts 6ts6-troft3r equipment only, uur obligati*n t€
pey tor, repaif, relurn or replace darnaged nr
*trnlerr eleetrnrri* equipment will be reduced by
the applic*hte ded:rctihle shnwn in ths
Declarations. or $!50, r#his*lever deductibte is
,less,
S, EXTfiA EXPE'{SE . SRGAEEHED
GOV€HAEE
{Jnder Faragraph A, - fi*VERAGE - ol SEffTION
lll - PFIYSIGAL EAMASE #GVERAGE, ws wlll
py tur th* oxpense ol returning a stol€n ss{ered
"aut0'' tn you"
,0. GLAS$ REPAIF - WAII'ES AF DET1UCTIBLE
Urder FaragraBh D. - fEDUOTIELE - uf SECTION
III - FI{YSICAL DAIIdAGE SSVEFAGE, &S
fol{awing is add€d:
i,la daduetible aBBties to glass damage if the
glass is repaired rather than replnced"
T1. TWO OB MOHE NESUCTISLES
lJnder Farqraph n. - DEDUCTIFLE - ql $ECTlOl'llll - FHYSICAL OAMAGE SOVEffAGE, the
f*llovring ic addfid:
l{ anothsr Hsrtlord Flnancial Ferrllces Gr*up,
lnc. campany poNfcy or covera*6 f*nn thsl is nol
an a*ttmobile palicy or cov6rag6 foru applia* tc
the ssrne "accidefl", the loltowing applies:
{1} ll lha d€dLlctible urd*r thls Buslness Arjlo
Covsieg* Fnrm is lhe nn*aller {nr smsll*st}
deduc{ihfa, it I'titt bB w*ived;
{ai lf lfta dsduclible under this Businese Autr
G*v*raga Form i* not lhe smeller {or
smafl**t) deduetibte, it wiNl bs reduced by
th6 smount sI th* srfialler {w smallaet}
dedue{ihle"
1[. AME}*UEO AHT?H$ IH ?IIE TVEHT Sfi
ACCttrEHT, eLAfM, $tfiTSF LSSS
Tha requirament in Lcs$ coNDrTtGNs !.s" -
OUTIES lN THE EVEI'IT SF ACCIEENT,CLAIM.
SUIT *fr L05S - st SECTIOf{ lV - EUSJNESS
AUTCI CPNDIT:Of'I$ thet you musl notify us nf
en "ae*id*ntn apF{ie* *n!y when lhe 'aeeident" i*
knawn te:
{1} Ynu, if you are an individuah
lAl A partiler, if ynu are a partnership;
l3! A membar, !f y6u are a limited lfabifity
c0mFanri 0t
i4) An eredulive *f{icar or insuranse rnanag*r, if
y*u af€ a $erpsrdtisn.
13- Ui{INTENNOF'IAL FAILURE TO DISCLOSE
lr*:AHs$
lf you urrifltsfitio**ily feil to difflos* a*y hae*rds
exi€ting at the i*ecpii*n dale ol your pnfisy, we
will rrot deny eoverage ilnder thir S*ueraEe
Fcnn because *f such faiiure.
1$" HIFES AUTA. COV€f,AGE TEHE$TORY
Faragraph e. ni SEF'8ERAL CONDITIGF,I$ ?. -
PgtICY P€FIICD, CffVEfiAGE TEANITORY -
sf SECnShl tV - BUSINES.S AUTfi
GSI'l*lTlfrF,lS is replaced by tha iollcwing:
g" Fal shcrt-terrn hired *aul*s", tlle csverage
tenltcry with respect tn Liabllitf ficverage is
anywhere in the v{srld prcvidad that iJ the
"dnsuredls" responsibility to pay darnages fur*hsdily injsry' or 'properly damflg*" is
detprrnined in a "su[|.*ths dsulln ls brnught ln
the lJnited States ol &rnariea, ihe t*nit*ri*s
end passesxlons sf ths iJnlisd $ieles ot
,4merics. Fusrto Rim or Cnnada or in s
settlernent we agre* to.
r5. WAIVEft OT SUBENGATTOH
TAANEFER OF AIGHTS OF RFGOVEAY
AGAINST CITH€RS TO lJ$ - of $FCTIOH tV -
BUSIF'IESS AtfTO C&NPIIION$ l* *m*ndad by
adding the fol{owing;
'& 901'! * TTre' Hfftfcrd {lnelude* nopyrighted rnaterial
ct l$0 Pr*perties, Inc,* x'ith ils permi*sion,)Form HA 9S l6 03 12 F€96 il ot 5
Wa lryaivs any dght uf recovery we may hava
agaln*t 6fry p*r$on or org*niratlsn wilh whorn
you havs e r$fitlFn sontrnst thst requir6a su6h
waiver bsc*u*e of payfts*ts we iflake fnr
dannage* undar this eou*rag* Form.
.f 6. f,ESULTAH? MHI'ITAL ANGIJI$H EOVENAG€
Ths definitisn of ''hodily injury" tn S&OTIGN V-
DEFII{fnOhlg is r6plac*d by the folloruing;
"Fodily iniury'' m6ans badily lnjury, ricknes* or
dlsasss sueta;n€d hy any psrf;on, i*eluding
menl*l anguish or d*ath re*ulting frnrn *ny of
th6se.
I7. SXTfiT{{IEF CA*IGELLATISH CSNFruO!*
Faragraph g" ol ths eol',th,tsfil FoLlCY
CgNFlTlOt4S' GA|{CELLAI*N - appli*r
sxs€pt ss tollows:
lf wa cancsl for any f&a5on ether theft
nonFeymsnl of premium, we $iill mail *r dalivsr
ts the tirst l^Jamed lnsured writtsn netire ol
caflc€llatinn at ls*rt 6E d*ys b€t*rs the *fteaiiye
d*ta fif calrcellatinn.
x8, ilYHRfn, ELECTRIC, OA N&TUnAL G&S
VSHICLE FAYME'TT CSVEHSGE
ln ths *vsnt of fi idtal lass to a ''non-hyh'rid* auts
fnr whinh Cornprehensive, Specified fiauses of
[-dss. ot Collision eouerages ara provided under
this Goroerage Fnrm, lhan such Fhysical
Darnage Goverag*s ars amended as follcws:
a"lt th!€ auts is replaced wilh s "hlrfurid" aut6 or
an aulu powered solely by efectricity or natural
gfis, wa v',ill Fay pn additi*nal 1fi9.';, t* a
rnaxir*um gf gz,sfig, cl &e 'nsn-lrybrid,, autu's
actusl cash valus or nrplacenrent cs$t,
whichruer ls ies"B,
b,?h* aurtn rnust be r*plaeed and a copy sl a bitl
*f sele sr nry$i l**** agr*ernenl r*eeived by us
wl$rln 6S ealendar days of lhe d*to sf ''lsss,"
c. Regardla*s ol the numher fff autffi daemed a
tata{ bsa, lhe most we witl pay undar this
Hybrld, El€ctrie, or l.latural Gas Vehicle
Fayrnent Soverage provision for any on**loss* is $10,0S0.
Fsr ths puryosas of tha 6ov6reg€ prf,vlsion,
a.A "$?&n-h:rbrid" &uto Is dEfi$sd es iln sHto thst
u$ss or{ly sn lnlsrnsl connbustinn *ngine to
rn*ve the auta but d*e* nQt inelude aut*s
pouuered solety by eleclrlcjty or natural gas"
h.A "l'lybrid' atlt0 is dsfined as arr aulo wlth srr
int*mal comhusiion engine snd orld or mofs
elechic m*tors; and that uses the internal
corflhustisfi engine and one or mn{s elettde
malors to rnovg tha suls, pr tha internal
cumbusticn *ngina to charge one or more
eleclric xnotors, which mcve the auta"
1S. VEI{ICLE WfiAF CfiVEFAGE
?n thp ewnl nf a trtal loss to an n'aLrto' for which
G*rnprehensiue, $pecified fiauses nf Loss, cr
Scllisicn ssveragcs are provided under thiE
esryerage Fonn, lhan sush Fhyxical *amage
C*verages are arnended io add the f*llcv*ing:
ln *dditiCIn ta the eetual eagh valLre nf tha uraulsr*,
we wilt pay up ls $1,0001or vinyl vehicle wr*ps
which ar* displeyed on llre etvered oaulo" at the
tirns of ts'lal lsss. Fsgnrdlnss of the nunrber d
autas dsamed n total loes, the rno$t we will pay
undar lhis Vehicle Wrap Gaver*g* provi*icn hr
any sne "[ssa" is $$,nfi0. For purpases of this
eovpragB prouiriwr, nigns or filhff greph:fs
psinted sr megnetioatty *ffiu*d ts ths vellirls ar*
not ennsidersd vehlef€ $rraps.
,& e*l'1, The l-{artford {lnelude* copyrighted rnatsrial
of l$O Prnperties, 1nc.- wjih its permissicn,)Form HA Sg l8 03 l2 Fage 5 o{ 5
FOLI*Y: $3XHU*Lss64
ln thle policy {hs wards oyo*'" und *1eur" refet lo th*
Hanr*d lnsured first 6hown in the Bedarations snd
sny *t**r F6rs*n or urgsnbatipn quphfying $s *
I'l*mad l*si.lrgd under this poficy, 'We', .us- *nd
"outr" r6ler to fie gipelE lnsuffinee s*rsp.&Fy r*ernber
rf The f'tfirtfsrd Financ,ial Sarui*ex Gr*up ln*. *h*wn
in the Sesiara{inns.
*{her wErd* nnd phr**ex th*t appear in q**tsti*n
msrkg al*a h*m spesist ma*ning. R*f*r lo
DEFlhllYlCINS {Sectinn Vllif .
IN RETI.JRil FSR THF FAYMENT CIF TIIF
PR€MtLiM, in relinnea up.*$ ih* s*stsr!!€nt* in th*
Deelsraticns made a part here*f and subje*t ts aU of
lhe i*rffis sl thls folicy, lls a6r** wiilr yur* xa
fclInw*:
SE*TIOI{ I " GOVERAG€s
lN{ $u Ft!{ G AGRE gllt H }'tT$
A- Umhrsll* Lleblllty lneuren*
1. Ws r#ill psy thass *urns ihal th* "insut€d"
b*eprns* legelly obllgat*$ ls Bsy aE
'Samag*s' in *xeaxs of ih* 'underlying
insursn{su cr pl lha 'self.insured rster:ti*n"
lvhafl rr0 "ur':d*rlying insuranca" oppti**,
b*causs *f "hcdi{y {njurf , *prnpsrly
d*mage" nr "personaland *dvErli*iftg i?jjuryf
to wh;ch thls iflsurdnf.s appli8s causad by an
"occt:rrene*o. *ul, the amw:ntr wu wii{ pay
a* "darnago*" ie limi{Bd as deeeribss in
Seetien lV- LMffg fiF tt{SUftAH€E-
l',ln ulher obligatbn m liability tp pffy sur$c sr
parfe*l'r fiets or gawi*as ls eslgrxd unla*g
expfidlty pr*vided lcr undar Sestlon *l -lltlESJlGATlO{.{, X}EFHI{SE-
SETTLENENT.
e" This tn*uranm rpglies to 'bsda,y injury",.prrp*riy Samnge* *r 'per$onaf an$
advertieing {nju4f cnl1. i{:
a. T*e .bodity inju4f, .prapert'y d*rnagoo or*p*rssnaN end advertising injurt' o*e#ra
durtng lhe'pslby p*ri*d*; *nd
b" ftiar tu d're .poli*y p*dsd*, rm ineursd
listed undsr traragraph A" *f $e*lion llt *
Who l* Ar ln*ursd srld n* 'or*ployae'
a*.l1hsi'ixed by you tn give or raceive notb
a{ sn "*ezunecffi'*r elelm, kft€,!,? lhst the
'b*dily iniuny* *r "p.rnperly damap* had
6swn6d, irr whel6 w {n pad. lf Eueh a
lialsd ifi*ursd or eufhnrieed *er*ploya**
kxeq p*cr to tho 'policy pertod". -that
UMSRELLA I.IASILITY PGLIf,Y PRSVI$IOr*$
the'bodily inlurt' rr "prup€rty d*maga'
*em^rrfed, lhen any' esntinuaiisni ch*nge
cr r*rurnptl*n af euch "bodity injury. *r
'Fr6p€rty damaga' durirlg or sft6f ths.policy peaiod" wlll b* dEerfiad to have
bsen known pri*r to th* "peli*y F,eriado.
3. '&oditry injr.lrf *r .pr*Fsfty damage* will ha
d,**msd to h*vn be*n knpwrr t* have
o*rurr*d e[ the *srl]es{ lime *lmn *ny
in*ursd lixt*d urdxr paragraph A, of $*etisn
lll * Wh* le An ln*ured w a.ny "&rfiploy*B"
autl'l*rited by Fau lc give w r&csivfr fioticn
cf aR **qc{rnangeo m clalm:
E, Fepert* all, or any .parl, *{ tlre "bcdily
{niul-y" cr "prqpefly dxmage. tc ur ol any
0lher tftsLrrsr:
h" Rese{vec * wrilt*n or varbsi demand *r
claim lor darnxg*$ h*eails* sf th6
"hedily lnjuqfl *r ?ropedy damag*'; nr
s,. Esqnms* *vrrare by snf *thsr rnssns
that "bcdily iniury" or "prnperty darnag€"
hss o**alrred nr h*n h*gun to mcur,
8" Exelss{an*
Thls pcliny dses nst apply to:
1. Fsllution
Any abligali*n:
a. Tp pay fnr ttre *o$t sf invee{{gatirn,
defsfls* $r *sttlemsnl uf any *lafrn or
xrrit xgal**l any *in*ur*d" nt[eging adual
6r {hrestgrlsd in}rJr.y of darn*ge *f a*y
nst$rs ar klnd t€ Frsq$s ur prcperty
whJch srises qul sf cr wsuls nol hess
oeeurred blnl fsr th* p*ltution heesfd; pr
h. Ts pay ffny "dernages** judgnrent*,
s€litsffi€nte, t**s, r*etp fis exWRsEs
thet ffifiy be awardsd ar lncungd:
l. Fy ffi&son rf any su*!l clairn er $uit
0F 6t1y eucft irrjury a,r dafis**; *r
11. ln c*rilplying with sny *cti*n
eilth$riusd by law on* r*iating t*
*uch lr{ury or damag*,
As used i$ thls *xcrusisn* poliuLian
haeard m€sr!6 an aelual expgsur€ $r
thrsfitr o{ exFo$t r& to ll'}e caneslve. toxie
nr nther irannftrl properlies af any s.*lid,
llqHid, gesecqJs sr lhe$$sl:
*, pslfutan!*t
h_ n*nlsrnin*nt$i
Fona XL 00 03 0$ 16
S2fit6, The Hartfnyd
Fagr I rf14
c. lnilante; nr
d" Tolrir sub*tari*86;
lnck:ding:
Srnske:
Vspme;
Seot:
Furne$;
&eid*;
Alk*lia:
Chsrnic*Ia, sftd
Wasfe ntstsrisls *onni*ting *f nr
uontaining any uf lhe for*gr*irrg,
Waste inciudes materiais ls b€r*ryqled* reesfldilinn*d pr
rsclairrr*d.
EXCEF?lSI'l
Thle exciu*lon daes nct apply:
a, Tc *bodlty lnJury" to a*y cf yuur
'6mBloyass. arising out of and in
the enqJnsa *f th*ir emplcgrnenl by
!su:0r
h. Ts injury *r damege ac tn whlefi
vaNid end ccll*eiibls .undedying
inswd*cs' l{,ith sl lagsl the
mi*imurn fimils shsrn ln lhe
S*hpd$le nf lJndarfyin* Insu{€nss
P*ii*ies ls ifi fsrc€ a*d applieabk t*
the 'oncurr8ncg*., ln *udt evenL
any 6oy6rage af'{*sdsd by tlrls po{iey
fnr the "&Geilnsfler" will he subjeei.
tu: ths potlutbn *xdrrsjcfis pt th.s
'undsrlying lnsuranee{ **d t6 tFt*
conditlcns, lirnit* and *lfrer
pmvl*!*ne rf thl* pelrcf, ln tl:* *vant
th*t "u*d*r[i*g inxuranca* i* lr*i
maintalnsd with limi{s af llabili}y *sapt fortf* i* *r* $chgdul* *f
Underlying lnsr,rrane* Faiisie*,
c*veregs und*r sny pf thx
provislnns o{ th,is exceptiun dses rrot
fiFpty-
Fxc6ptioil b. does not spply ts:
'&cdily iniurf or "propedy darnage*
ar{s'rng $ut nf thc aelual, all*ged oe
thrs8t8nad discherge, disper**1,
ss*Fags! rnigratio*r. raleass 0r
essspa of 'po{1Ll&nts";
{1lThfit ar6, *r lhat *rn fontainsd
in any prcperty thet is :
tsl $elng Fanapa*ted fr t#w*d
by. h*ndlad. or handl*d lar
rnsvernent intp, ggrlc 0f
fronr. any Fauto";
{h} Stharula* ln ths murss *f
lransit by ar sn behslf 0f the
"l*,sured"i or
{c} Eting Elar*d, dirpncod of,
keated or proae$sed in or
u6n any na$t*":
{3} Before tfra "poll*lanta" ar anyprrperty in which the
"pcllulants- are c*ntxfnBd are
moved fr*rn the placa +vhara
thsy are accepted by the
"insutr*d" for nrnvenn*n* ini* sr
cnta xny nauto*i tlf
Fl efier the "pct$utanls" 0r FRy
prnpedy ln whieh th*
"pcllutants* are conlained are
msu*d frum any "autc' lo tfia
place nfi*ra ihey are finally
delivered, dispcsed af *r
*bandsn*d by lh* "in*urad'.
Peragnap& {t} abave does nct apply
t* fu*ls" lubriffiftl$, fluicls. rxhau*l
gaFs* or olhar simii*r 'pllutants"
thsl are nesdad fsr or resdt from
ths norrn*l eleetri*a{. I'rydraulie ar
rnechpniml {unctioning *f an naul*".
cousrsS by !fia 'undwrlying
ilt$uianee" of itg pafk, lf:
a. The .p*ltutank" a***p*, ssap,
m*Srsts, sr srs di*chargcd ur
relsssed diractly fsnrn gn "tulo''psil designed by ilr
man*faetur*r ls hsld, itors,
reeeivs sr dixpns* cf such*pl|ulants"i and
b. Th* 'hadity ir{ury,- "propcrty
dan:ege" cr "ssvered pallulinn
c**i fr{ *xp*n*6'doe* n*t ari*e
sirt rf tha oparalian of any
folkvvlng aquiprn*nl:
l, Air es{npr&sssrr. purnp *ndgenaratms, lnnluding
sp'dytng. lrmldirq, b*ltdingdeatrrrq, gaophpical
exp{oralirn, lighUng sr vuell
$*{v}cirru equipmant; **e!
l*. Shat"ry pisksfe sfld slmilar
deviam nno*nbS fn
sutsmobi:e s trwk dlasEi*
and used l* ra{ce sr lm#Br
woE*Erx,
F*r*gr*pir* {3} *nd {3} sbcvs d* nryl
.Bpply tc isceidents" tk*t oc*ur away
frOrn pOrniS$S Ov'on€S by Ol rentedls sn "l,fisursd' rvith ie€Fdt t0
'peitrutants" nst in 6r uprn an "sulan
Frge tr *l t4 Fsrnt XL tg ll3 f* 16
cor6i*'d by tha 'und*rlylng
insuranE6'i*
E. fh* "pollutantso 0r afiy pfiFe,fiy
in *h*clr Sxe 'plhrtsnt*o ars
sontsinsd B{€ r$s€t, er',rerturred
or d*maged a* * raa.rlt nf tra
mainleftsnce or uge rJ the nauln*,
and
h. The di*eharpe, disB6.rssl,
ssepage, rnigrati*n, rglssss 0r
6s**pe s{ the npailutants" is
esuaad dirsetly by *u*h up**t,
*vgrturn nr dat"nage.
3. Warftsrs Gompanratlon &Ed Slmllar
L*r**
Any abligaiinrr of the in*umd und*r a
uro*ers' rs-mpsnsatl*n, *isrbillty benefi tfi sfl
unxrnplnyn:enl eompen*etii*n law *r any
simil.ar law.
3. eonF*c.{ual Lls}ltlty
t-iebilily *g${.}tyred by the "ln*ur*d' under *ny
mnlract *r agreement wi:th re*peat tc an
'ec*un*nE** t*king plaqs b*f*r* {h*
cuntraf,l or agre€rnen[ is executed,
*. FersonalAnd Advcr$ring lnjury
Thls pnlt*y d**s nsi apply l* 'p*fficnxl en*
a*v*rtls.ing infury""
EXCEFTIOI'I
This excluslsn doqc *ot apply is th€ sHtentih*t ssvarss* f*r $uch "p*r*onsl *nd
advertising lnjury" is prrvided by .r.lnderlying
lns*ranc**, but in nn ev*srl *hall any*Faf$6nal srld sd'ltsftising lnii:ryr' cftv€rege
pruvid*d under lhls poliey apply tn ony *loim
$r n6r{itn t* rvhich .undertying insuranaa*
do*s n*t appiy.
&ny *overage rectored by this H(CEPTtOll
spplia* *n!y ta lhe sxtsnt lhst srrch cov6r*S6
prcvided by lhe *und*rlying insuranpe" i$
ffiaintained hxving ilmils ss xs! fwtt* is tlr*
$chedule *f lJnd eriying I r rs,urancs Poliuie s"
$. Underlying lnsurancp
Any inJury 0r dsmryB;
a. f€vared by .underlylng insuranra' but
for any dnfensa vr,*rich any underlying
insurar mF!, e6$srt beegr,:cs Ef thgnlnsursd's" fgi{ure to csrrlplf wlth any
cpndilian *l i{x policy; or
h, F*r which "damage$o s,Bsld itaus bgEn
p*y*hle hy *r"lnda*ying in*ur,*R**n but
iffi &e astusf *r alt*gad inn*lvency or
finenci*l lmpal*ne.nt of an underlying
inguter-
S" &lr*raft
"Btdlly lr{ury" *r" .pr*perty darnage' ed*ingnut 0f trhe olryngtafuip, sFstatisn,
nn,*lntananca, us8, sntrustrngnt io *lhar*,
lo*ding o,r unbading ol any aircraft:
&, *wned hy any "i*gilrsd*; ur
b. Chertered or loened to any "insured".
Thia *xciusion appli*s ev*n il ths clairne
ellege n*gligence sr othw wrsngdoirq in the
*up*rvision. hiring. enr$oyrn*nl. trainirg or
rnonita*ng nf sthsrs by an insr.*r*d, if the
"sssu{r*ne&' whlch cari*ad ths "bodily
inJury" *r .pr*F6rty dam*g*" inyohed tk6
*wnershlp, rnginlgnancsr usc or entfustffrgnl
ts u{h*rE CIf any clrsr*ft l*nt ie ov*nEd nr
eparated by or r*nied cf l*.*nsd to any
inrursd"
Thi* *x*tu*ion d*es n*t spsly t* aiffraft th*i
is:
a. i*irrd, charlersd *r *caned wilh a paid
erglry:but
b- 'l.lsl owrNsd by any 'insurxdo.
Thlx exdusi*n does n*t *Fp!y tc .b,cdily
lnJury'io eny uf y*ur "employae*" arl*ing out
*l and in the c.nurse *f thgir *rn$ryrrnent by
FU.
?. Ullat*r*raft
*S*dily injurt' *r .Frsperty damage* arising*ul *{ tks nwnst6hlp, spratifir1,
m*in*enangg, Lr$g, afttrustrnerjt ls elhFrs,
lsad,irrg rr u*lradlng *f any vi*t*rcisft.
Thi* sxEtuplnn appSies svss if ths ctairns
all*g* nagligunee *r CIthe{ wn*ngdoi*g in the
supervi*i*n, l"liring, *rnpl*yment, tralniqg or
rfisflit*rin$ nf *ffiers by xn ln**r*d, if t!:e
'*ceufrs*1a&' $&lsh *gu**d lhs "bselily
iinjury. nr "prppert!, damage" lnv*lved lhe
mwer*hip. rnaintenane*. {Js* sf anlrsgtrfiaill
tn sthers of any urstererafl thal is owned ar
spar*ted by or rent*d *r l**ned ts sny
insured.
Thls ex*lasi*n d*es not.app{y tp:
a. l#etercrafl yuu do *ryl pr*rn ihsl is:
{{} Lx** thsn 51 {e*t l*ng, rnd
{E} Not hslns ilFsd io fsny F*r$sR$ {}i.
prop€{ty for a cirarge:
b. "Bed[]y injury- t* any nf ycur
"sffploye*sn fiils.iftS nut fif and in lftE
sourse cl their emp!*yment by y*u; cr
s. Any watxrcraf! whllE sshsrB sn
prarnia*a sr,wwd by, r*fitsd to Gr
csnlr*ll#d hY Yc*l'g" l{ar
&ny injury on darneg*, trsv*sssr f,8u6sd,
erisinp, directly or indirectly, eui ot
n. wsr, lnchrd{re $nd*clsr€d or sivil w*r:
0r
Fnrnn XL {10 03 Ug lE Fage S of 14
b. Warltke aelioft b,y * milhnry fsreg,
including *etion is hi*dering or
d*{endtng agnlnsl an actua! or expected
sltack, hy arry gnverrlmeftt, oowraign or.
othsr suthnrity uolng rnliitary pexonn*l
u,r alfiar sgants: *r
c, lnturrcetion, rehlfion, revotr.llion,
ururped psvrtsr. *r sftinn taken by
p$y&rn&B*tal aulhnrily in hindering or
defendfng against *ny cf the*e.
S" D*magr Tc Froperty
"Froperly damaga'lo Frsp€rty y6u ovvn"
1S, tlemag* To Ynur Frodu*t
"Proparty dar**ge" lc *3@r.li prcduef' arising
osi pf il er sny pnd *f ii"
'! l. Sxmag* To Ysur YYcrk
*Fr*Barty d*m*ga" to "ycur *mrk. *rlsing rut
of it qr any p*rt *f ii and i*uluded ln &*
'Fr*di-!ct*-fi srn pN6led 6psrstls.ls l,!sx&fd'"
Thi* axclusi*n dne* fid? apply if ths
darnased rry*ft or ths work cfi of *vhi*h tNra
d*mag* *ri*es was performed on yaur
b*half by a *ubcrntracl*r,
{?, S*rnuge Ta lmpalred Prsparty Sr
Property lrlot Phy*i*alty lnJurcd
'Fr*periy damage' l* "knpalred pr*prrlt' nr
prap€ily that *E$ nst beorr phyxiealty
inJur6d, *ri*ing *r"et af:
s. & def*et, deficiancy" infidBqusry s
d*ngor*u* e*nditisn ilt *prur produ**- w
'youtr w*rk'i 6r
b" A, del*y *r bllur* by ynu Gr any*ns
a*ttng *n ysur bshelf t* p*ri*crn *
*fifltrE*l sr a$sesrr8ilt ln *c*rdanca
whh lts tenns,
Thls a.xflusiorr dcea nst sppllr l* lss* nl qJ$€
cf cthsr pv'operty arising *ut sf stidden and
a*eidentnl physieal lnjury to *y6ur produet*
cr "y&lr ,rm*rk" sft#r irl h** b**n p'ut to il,*
intended us*,
f3" Rrcall Of Frodret*, WFr* Or lmpalred
Frop*rty
*fiarnagesn elsirned fnr any [s*s, G6sl ff
a:{p8n*6 insjJned by y*u sr oth€rx far tha
lss$ sf LJse, wlthdffrwal, rue*ll. in*pectlon.
r*pair, rsplacernenl, adjustmefll, lgrR€va! ur
dl*po*,sf *f:
$- 'Your pr*du*';
b" 'YsHr$mdc'; *r
s, 'lmpaired Froperlt';
if such pradr*ct, rrrork or property is
vr'iihdrav*n Ar r*c*$ed from the markel or
fr*m uce hy nny Fsr$sn or organiration
bscause sf s knokr, or su*po*tad daf*et,
dsfie.l€ncy. inaduquxey sr d*nguror.lc
ssfiditiun in it"
{{, €rye*lad Sr lntrn$ad
"Sodify iniury" or "p{op*fty S*mags"
expe*ted or intended from the ctandp:int af
the'insur*d",
This *xelucirn dcss nct *pp!y t* "bodiiy
injury' <rr *property damageo resulting fro*n
tlta u*s of re*sfi$abl* forc* t6 prst€ct
p6rsan$ 6r pr*pdrty,
{S" Ertrp*oy*r Li*bitity
Soverage aff*rded any r{ your "ernplry*cs*far "bodlly iniurt'' Dr "psrso*al arrd
advertising lnjurt'';
il. Ts clhsr "empbye€s" atislng rut nf and
lq1 tha e*ur*a a{ llwir amg*yrn*ni;
b" To th* spstJs6, rhfid, psrent, brstflsf *r
sintsr CIf thst "enrplay*X. as a
csfissqu6{1f,6 of su*h 'bsdl}y ifijiirf to
tfiei 'empl*yee*.
*, Tc ynu 0r, Fny nf g*ur paltncrs sr
rnsrnbers. {if you ar"e a partnership, j*int
venlurel, *r lsur mecnbers {if yau are a
lirnl{sd 1i*bllity c*r*F*ny}l sr
d" &ie{ng cut *f Fre prnvidirrp or faiting {nprpvide prs{ess'roral healtlr 6fire
sFruie$$.
$*bpxregrxph* *. nnd h" af this axclrr*1rn
appty:
{dl Wrheth*r th€ "insured* may bs fiiabla as
*n *mpl*y*r or in arry sthsr csFafiity;
and
{el To *ny rbligc{ian ia shar* "danwges''
wilfi or tepay s*rneorw *lga 1#h* *,iust
pay "darn*ge$' b*cause *f the {njr:ry,
€XEEFTIOH
Subpr*grapha *" and b. cf thi* *xclu*ion do
no{ spply if "unda*ying in$urffnce" i*
maintslrm* pr*vidirq osusrass f*r s$c!l
l{ability with rnlninrum underJyiit* llrniis, ar
*eserib*d ln th* $elr*dl"ile *l Underl]rlng
l*suranne Folif,is$"
18. Fraparty [am*g* Te Employeo**
FFop*rty
Caverage ntrTondad any *f your '*mptcya*s"
fer *prop*rly damaga* {n property *wn*d rr
oecspted by or nent*d or t*an*d ta:
a, Thst "er.flFl6ys6';
h. Any *f ysur sth*r "*mpleyoe#;
n. Any of y*uF psrln*rs ur members {if frou
*rs f, Bgrtnership *rje{nt v**lureJ;or
d- ,4ny cf your mernbsr* {if 1*u are a
lirni'ted I iab'itity eompany),
Pag* 4 of ld Fsnr? XL 00 03 0g 16
'lT- UnlrEurcd Sr {,Jnderlnsur*d trIfitprlEts
Any f,lEtfn fon
a. Unin*ured sr tJndennsured Motorisls
tcverqg*l
b. Persorral iniury prst*ctiofi;
e" Pmparty prptectinn; sr
d" Any sinnitsi n*.fault csvsrags by
whalever n*rns ssllgd;
Unle*s this pclicy in snd*rsed lo grovide
*ue!: srverag*,
't&. Empl*ymenl Frastie*r Liahillty
6. Any injul *r dnrnage {*:
[1] A *arss* xri$ng sut 0f sfiS
{a} Refu*al ln empl*y lhai p,erssR;
{hl T*nnlnatiw cf th6[ per$sn'F
err'plcyrn*nt; *r
{e} Ertp}oyms*t-rslsted pffietises,
potieles" aels nr nrpimions" such
ss brlt fist llmltgd t6: c6*rej*n,dernoticn, evalugtisn,r*a**ig*me*t" dl*clp{{ne,defamatign, hare*c.rnenl
humilis{ipn, Siscrlnr{nation or
rnalhicr.ls prnseculion diretted
sl lh6l r]*rs*ni *r
{if T}re $pul;s#, ahild, pxrerrt, bnnther cr*lslsr rf th*l psfc*n" 3* *
c*nssqu*ns* of Ffty inja"rry p{
d*rnago tfi thai pers€ft e{ !ryhsrfi ffny
nf th* e**plnynr*nhrelat*d practires
dererlbod ln paragmph,s {a}, {b}, pr
{c} xbove tc di{s6i8d"
{hi* exclusfo* app$e*;
t. Whether the inlury"o.susing evrnt
dscsribsd ln psrt {t} ebcvc o6e{.Jr&befsre ernployrnent, during
*ntpleyrn*nt cr *fler er*pN*ymant *f
that persrn:
*i. Whelh*r t}le "insursd" mey b,* liable
ss dn *mphyer *r in any nlh*r
capaeily;and
iil" Tn any obligeti*n tfr shar**d*rnagc** will':: or reg*y E*md.ans
elg* wltg rn$st pgf 'daffrag*so
becEuse n[ tha l*jrry.
t*, Empl*y** F*tlr*ffint lncomo ***ur{fy
Aet
&ny liabilily ariring su{ *f lntsntirnsl *r
uninte*fi*nslviolation sf ai1$ provi*l*n of tfrd
Emplcy*e fteiirernsnt lncorne Se,curity Ac{sf 1*?4, F*b{ie Lsw 93-40€ foemmonty
referred le n* the Rsvi*i*r'r Acl o! 1S74i* nr
a*y arncndrmenl* tp than*.
I0. Asbwtae
*fly ifiJiJry, darfiaE**" [*e$, *o*t or,&xp*!ls*,
indudlnE hut not limiir*d to .b*dify lnjuqf,
"groperty d*mage' ff "persorrel snd
aduertising injuf arisins aut cf, or relating
tr, in wfiale !r in pfirt, th* "fisbe*t*s haeatd"
tha!:
t. Mey be aurarded or ins,uned hy reascn
o{ xny elslm sr eult xll*gi*g astu*l f,r
thraatenpd iniury or dernage of *r:y
naturs ar kind to B6rsa*s nr prapedy
which nruuid not hass cesusred in wfiola
*r in part bul fur the 'asbestcs lraznrdu;
sr
b, Arlss *ut sf eny r6qusst, $ern*nd" *rdsr,
sr statut*ry nr regulatory reqr,.llrernent
th*i a*y inaured *r athcrs t*al f*r.
rnsnit*n elsan uF, trsm$vs, *ecapsulat*,
c*n[ein" trert, detnxiftr w naulralize *r in
,*ny way rasp*ld ta ar as*ess ths
effectx nf any *asb*siss harard*; *r
e. Sri*e *ut *f sny clai:m *r sui! fsn
darn*qe* beeause of testing fcr-
manilrring, rle*nlng up, rarnuvlng-
*neap*u[ating, csnlsifiing, Festlfig,
dstaxifylng *r nautralizJng Bf !n any {rlay
rsspsn$ing i* or aese.sslng lhe sffsst$ nf
atr nasb*510f hazod".
lt. *acing .{nd Stur*rlng Actlv}tlse
"Badfly injurt' ur'props{ty d*mage' arisingont of {hs *wne$hlp" operstisn.
rneint*nanEe, us*, snFustmert t* glhers. *r
i*ading or unfo.ading of any "aut*' *r Ynrbila
equiprn*nt" whila beir6 r.l*ed in enp
E. Freanenged en crganiaed ra.c!ng, speed
ot dsmoliiion cnnlesh
b, $tunti*g aetivity; *r
c. Frepanallan f*r any $u€h sont€si *r
*ptlvlty.
31, Armrx *r *lrcln*nr* *f Gnnfid*ntl*l *r
f,sr*enet lnformatlon And Dxta'rslai*d
Uaklllty
Fsrnsg*s ari*ing sut s*
*. Afly fficesr t* pr dlficlfistnr af xny
perssn'F or *rganiuatiun's Epnf*$antlal *r
p*r**nal lfif*ffil*tlon, lncluding pat*n&,
trpde i6{rat$. pr*eesriRg msthods,
*u*tnrnsr liats. fina*cia! {*f*nnatinn.sredil esrd informalian, heelth
inlennsilpn *r sny rlher trype qf
nnnpubli* infonnatFor*l nr
fu. The bss uf, los* nf ss* of- damage ts,
ernup,tin* pl inebili*y t* F[ce6F, fir
insbiJlty lfi ffianlpirlals *leqlffrnie d*l,a.
This exelusinn applies eyen i{ damages are
clalnr*d for nptlficaturn co6ls, credit
Forur XL 00 *3 0816 Fuga 5 of '14
rnonitorlng sxpens€s" fcnen*le axpsltsss,
pub$ic rclations €!(psns*s or any cih$r lrss,
essl $r expsflse ineurr*d hy ys"r or oih*rs
arising qut nf ttrat which is described i*
Paragraph (f| w {2} sbeve.
Hov,rcver, unle*s Faragr.eph {1} eb€vs
applies, this erctu*lm dr:es nol app{y !r
dxmagns becau*e nf "bndity injuff.
As u,s*d in this e,xclusicn, Bl8.siranic dal*
meafis ]r$srrnathn. fa{:t* or pr$grsms Flsred
as or sn. cr€al*d gr $gad gn, sr lrsnsmiltsdls or frnm colllFr"Jtsr ssfsd,ar6, lneluding
sl€{srns and applkatbns solt\psre, fierd nr
{bppy disk*, CD-RCIMS, iapas. drive*, cel!*,
data promrsing dsd.ces nr sny olhsr msdia
whieh cr€ used with el*ctrenically uElltrshed
*quiprnanl,
33. Llmited Underlying Ccveraga
Aey injury, darn*ge. lsss, scsl er *t{pense.
ineFuding bu[ *s{ limtt*d t* "'hsdi{y tnjury ,*prsperNy Samap' sr ";rersonxl snd
adv*fii*ing injury" for x,$ieh:
fi" st'r "*ndedying insllr#nr*n pclb.y o{
pcticies specifically pravidee *Dv€rag€;
but
h" berxlrse sf * pr*visi*n trylthin ths
'undedybg frnsllrancs" *uch *averaEe ls
pe\rid*d et * lirnit *r il$jte cf insurancs
that are lese thaft tliE lir?ritt$) fnr the
"undedyirq insursnf.s' potiey or p*[*ies
slt*',r,sr *n tha $che*u{s of Underlying
lnsurEne,s Felisies.
ttt. Rreprdlns *nd $ietritoutinn *f il$a{*drt
Or lnfermstlrn lrl Vistis$on {S t_eyr
Any Fnjury, damspe, lqss- Goct or *xp€ftsel
in*lurding but n,o{ limited !o "b*ddly jnjury'.
'prsF*rty darnage', Dr "pars*na[ *nd
advertiring injur?. arising diredtf or
Fndkectly oul nt *fiy **li*n *r *rfil$siert thsl
*iclaleg nr [r allegeel tn v{ql*le:
F. Tha T*l*phone flsn*urner Frct**tipn
Afi {YCFA}, includtng eny eft*rldfilent
of CIr addition tn sucl'r !aw;h" Tha *AN-SFAM Act cf ***3, inctudln*
any amendrxe$t of nr sdditjcn to *uch
lEw:
c* The Fsir Gr€dit Repnrtjng A*i {FfrRA},6*d srly arnensmen{ *f gf *ddjilen to
su*l'l l*w, inelr.lding th* f*k end
A*cur€te Cradit 'Transacthn
Act
{FA*TA}:*rd" Any fadarsl, *tale or l*eeF *tst$le,
ofdlnafic* ox rg-guletlsn, ctFrer than the
TCFA" C&tX-SPAii! Act ef 1003 or
FCHA and lhgir amendr*ents and
additipns. lhat sddretrec- prshihi{r o{llmila the pdnfing, dtseaffiinatisn,
dispasal" eollecting- rncording, sending,
tr*nsrnit{lng, coffinli{rbsting *r
distribution ef material sr informatio*.
$6eT$il *l - lt{tlH$T}GATlSl'1, trEFEH$f,
$STTLEMEI,IT
A, {Vilh respest t* "b#ily irriury', .pr*p€rly
clanregeo *r'per*cnal and ndverlising lnjury* *s
wtrisl'i ttris i*st,ranss apgie* {w!-ether sr *ct the
"self-inaured r€t*ntion" a ppliesl arrd
t, Far whieh nG csvarfrSe is Brrvided under
any "'underlying insur*nea"; nr
t" Fer l;vhldh th6 uftt*rlying tirni$ ff sny
'un$erlying ins.*raR**" pclicy hava been
Exhau$lsd eslshr by Faynleflts o{ "danrage*'
bgsause nf noceurrences'during the 'poliey
periad-,
lS*:
1. Will h*vs ths *ght and ifia duly to d*fend
anlr "$i.!lt" agrin*t ths 'insured" *.e*hing
"d&r*ag$&" cn *sf,6u,lt thers€{. even i{ eueh
'Euil* is gr*ur:dtear, fplse or fmudcrl*nt; biJi
*ur righl snd duty t* ddend *nd whnrr y*e
har.,e us*d rrp the applicahle limit of
insur*n** in tha pxyr*ani af j*dpment* cr
setllern*nts u*der e*vpmges affcrded by
thls p*lley:
2- May rn*ka eucfr irw*rtig*tion ar'|d cettterrt*fit
of any elainl *r'*uil" fis riffs dgem expsdi*nt;
3. Will p*y *ll experrs*s in*urr*d hy u*, all
emrn s**ts taxrd eg*inst ths "Jfie*ned" in
sny nsult" dabnded by u* and a[l int*re$t on
the entir* 6m*unt cf any judgrnanl th*rpln
whlclr *esruBc after ths *ntry r* ti:e
|udgment end befsre rrs havs pafd rr
tendered *r d*p*rJted i* *c,urt ti€t pert sf
tF:e irdgrne,nt x4rich dces not exe*ed the
apptieable limlt a,f nnsurnnse, f**w*ver, sueh
easte da noi inefud* *ttorney,*' feee,
altrrn*ys' sr{Fsns€s, witness or expert fees,rr sny sthcr sxpsnres ol a party tiax&d l*
th* innur*d;
4" Wdll pay all prernixrns sn app€al bsnds
requlred in any *u*h 'a*il'. Fterniurrls fin
b,md* ln rs|assa atlachm*nts in any sueh
"*uit' fcr sn fimount nst lfi sxcass of lha
appficable limlt nJ insuran*&, and tha *ost nf
bsil bsnds rEqlrlred *l the .insurad" b*{auserl an a*cideni or lraffl* l*ur vi*letfo* ari*ing
*u[ cf the aper*tic*r cf any s*l'riele ts rdrieh
{fti* pnticy .*ppll6*, but we wll h6{* no
nblig**ion ta *pp!y lnr *r furnish xny *u*h
bnnds;
*" l{illpay sl! reassnebie nxp*nse* ineun*d by
the oinsun*d* at €Llr r€ques[ ln asalsting us in
{he inve*lig*lJpn cr dnfense of Eny el*irft or
"*uil", lRcluddn* sehisl tnss sf sarnifigs nbl t*
pxceed S$0S perday par *insured';
and {hs amoHfil* sr incunEd. exespt s6fils{fi6nt
*t *!ain:s &fid "aiits,n *r€ nst *ubj*ct to lhe .salf*
Psge { of td FsnE XL 00 0g fi* 15
insursd rstsntldp" &nd sr6 p*t'*hl6 in sddiuon lo
aily ap$icabfe limit of insurencs_
Ttre "fnsured* agree$ ta r*irnburs* us prcrnpfiy
t*r ,amoltnt* psid in eetflerfient cf etxirn* or
"*ui!a" ts lhe et{tent ll'rat suf.}t arnzunts are wit}"li*
iha "self-in*r.rr6d n6tentr0n*.
Ei" Yos agrn* ta *rrallge [*r tha i*v**tigati*n"
de{*nse er s*ttl*ry:ent u,f any cleim or "${.rll* in
*ny eo*nlry rntf:*rs wa r*ay be prsverii*d lly l*w
fro* e*nying oilt thi$ *gre€mpnt. We wi{l pay
d*'fenae BXFrrsFs inqurred wilh sur r,rlrilt*n
ffins*ftt ln *onn*etl*n lyith 6ny su*h Sairn or
'kuil" in addition to any applicoble lirnlL of
;neur€nc€. 1S* will*ls* promplly reirnbur** youfsr o{"ir propsr shara, but sub.fact tn tfre
epplicabl* limit E{ lnsulanea. ol pny ssltt€rnsnt
xbcva t*e -e*lf-in*ursd r&l&ntion" made wiih *ur
!s$lt*n wn$*nl
C. We *,Ill h.avs lh* r'ight ta ss*ncist* *l *ur
8xF*F3* rrsith the uifib*rad' Fr 8$y u*der{ying
insursr in lhe inve*tigut*on, d*fense or
setils.ms*t c{ any *1eim *r "*uito wlr}*h in our
cplrrien rnay r*qulre payment herpunder, ln na
ev*nl, fr**rl*ver, will wp e*nlrihille l* th* co*t
and *xpens6s Lncurrd by finy und*rlyi*g
an$L{rEf.
SECTlOlil lll "Wl*O l$ AX thtguREt*
A" lf ynu xe $elng businesr a*:
1. &n indlviduel, leu xnd your sB*r.!ss *rs
"insursds"" bul, rnly $,4th rs$.F6€l ts ths
coadu*t eif a business *f uehieh y*u ar th*
ssie s$rilgr"
fr, & Fartnemhip or JCIlni y**iure- y€u ffrs arlolns$rsd'. Your rnanbffs" yffiJr pertner*, *ftd
lheir spcusw sre elss uipsured$o, bul onfy
with r*spent {n the **nd**t of y*ur business.
3, A lirniled li*bility colrpany* you sre an*i*sli'rgdo, Ypur rnernbers srg elgc
"Fra{.rr&d*', hr,,i only urith rc*p*c{ tei ilrs
ennducL nf ynur hu*insss, Y*ur rnanagers
slx "insarsds", bul *n!y rryith rsspe*t tc t*ell
dilllas a* ydui fftFns$srs.
4" An nrganlaatinn clllsr thsn r psrtnership,
jsinl v*nt$ffi er lJmiled {i*blllty f;€r.tlpffrly, ysu
afs fin *in*ufsd'. Your *sxsctltive offiagr*.
rnd direslers ere 'insureds.. b*t only with
r€spact t* thalr ds,tl*s s* y*ur nffi**re or
dirceforE, Ypur $*ckh*lder$ ffF* plsa
"l*aur*da'" h*t *nty witk r*epsct {o lt}*ir
liabitity ss gtuckhstrd€rs.
5" A trusf y*u are an 1nsur*d'. Ynlrr trxstess
ars nlso 'insured$', bui *nly with re,spset lc
thelr dutia: as lrustees,
B. Eaeh pf tha foli*$dng ls abo aR *inswe'd"l
J" Yout'-v*funta*r werftsr&'oniy vuhlls
p*rfsfffian* dillie* r€,latsd lf, tF!6 csndtrct *fyrur burinms, Bt your *employaes"u olher
thfift yeur *ox*eutlvs *mcsrsn {jf y*u Ers sn
Fnrm XL {l{103 Ug l&
*rgsnl:sti*n *thsr lhafi a parlnerehtp, jcint
venture nr timlt*d tiabilfu r*mpenyl {rt ysur
m,an&garc ilf yau arc 6 lirnited llabirrty
cor*psny!. but cnly f*r oeis:
E. Wit!:in lhe scapa af the,ir *mplryrnent by
yru 6f whllr p*dorming duber rclct*d ts
the e*nduct of ynur busin*ss; and
b. *nly if sush "\,s[un!eet w*rkers* *r
'6rnployre*" ars insured* under
"underlying insurarmeo rrylth linrit* *f
li*bili[y no [*sr than slatad ln the
Scl:pduls a,f U*dorlylng lrres;r*xm
F*licdes, sub,lnct ia all ihe s{yarags,
16frtfts, eonditi6n$ end l{ffiltEli*ns *f sueh*underlying insur*nce*.
l, Any person or crga*iaation with wh*m you
cgr**d, $e*s**e nf a writtan coqtrs*t"
rr:itten asreernsnt pr because. al a p*nrlit
is*ued by a sirle o,r politi*al sirbdi$iei*n. tc
pmvid* insurftncs scch s,s i* attordad und€r
thi* p*li*y, b,rt nn{y rrrith respert tc lrpur
sp6re{i6*s. "ys:r wsrkn or fa*iiitieg rw*sd or
used by ysu.
This provi*inn d*es nai nppty:
a" Unl*a* lha wrl{ten csnkast or wriltwn
agreament has hsen uxe*titad, nr lhe
permit has beryr issspd prkr t0 ths-b*diiy iniiJ!.y-' 'pr*perty demage," or*prscnaN and adverLising in3ury"; and
b" Unlses limils ct liabllity FpscifrEd iE suctrl
writlen cofttract, lurittefi ,a*r€6rn6r* sr
Benn'ri{ ie grawt*r then the timib sfwrryn
for "und*rlying inu*rnnce*; rr
e, 8*yond t!:* p*riod *f lirsxe rsqi"rtred hythe ryritten esfilrast 0{ urifien
6grg6rnent.
3. Any p*r*nn *r orgxnleatia*l having prop*r
ternporary e*st*dy *{ your properly if yru
db, hul onfyt
s, With r*spe*t [s {t€bi|lty arirlng 6ut uf ths
msinipn€nfs *r *$s cf ihat pr*pe{y;
snd
h" Until pnul le,galrxpree ntellv€ has b6€R
sppolntrd.
4. Y*ur l*g*lrspre$*ntative i{ yru di*, bul *nly
with raspec* to his qr her duties gs sutrh.
That repr*n*ntative will $wse ati y*ur dghts
*nd dr.rtiex under thix poliey,
C. Wilh r**poct to *autsn, &ny "'insur*'d* in lhe
"underlying iri$uranne" is *n *ingured" undgr thiE
insuraRe* po!i*y. *ubj*fi t* sll lhs linritati*ns *f
sueh'und*rlying insuran*n".
3, &ny enganireti*n ysu n*wly r*quir* sr f*rc3.
sih*r lh6n * F*rtn*rsllis, j*int v*rrlui:e *r litfilted
liabilily sstlpgnyi as'ld s$er *r{rfch you rnalnlairr
finsn*lal intsrset of nnrrp {ilan 5S% af tho vcting
nlcch, v*ill qualify ss an "i*surpd* if there ls np
Frge ? a{ 14
oth*r sirnJlsr iil€ur&nc€ errallsbl€ ts flat
sfgdnirstisn"
How*ver:
1. eoveregn under thie Frcvisipn ix effcr*ed
ocly untilth* 1fl*th day afier V*u ecguirc ar
fCIrm tha nrgantr*tion *r lhe *ftd ul the.pslicy pa*od*" *rhich*ver is earfler;
2" This insurance dses nnt appiy la 'bodily
lnjury'- cr *FrCIperly dnm*ga' tfrat o**unadbef*rs yuu seqadfad 0{ f*nn*d it1s
crganiratio*r; and
3, This insuraftee dss$ not apply [c *p*rscnet
rnd sdlrsrtisirq injury' ari*ing out of €rl
sffsnge us{firnlHed belnss y*u ocquirad or
fcrrtled ff:e fi rgaft ix.e{l*n.
E. Efieh Bsrssfl *r sr*afih*tisn. n*t inelude$ *a *n
''in*uredo in Paragreptrs 4,, $., C,n pr b., -$tls is
an 1$*Htrsd" in lhs 'ilndsrly:ng lnssranee" 16 an
Iinsur€dn undnr {his lnsuranse $ubjeet tp ell the
t*rrns. csnd*tiens and llnri*eti*n* uf sush
'underf ying i:lgura nwo.
Nc p*r**n *r crganiznticn ls an "insured' with
r*tpc*l to the efind$et of any *ilrr€nl ar pxst
partn*rship. j*ini venture ff llmiipd iiability
curnpsfiy ihet i$ nst shnwn pe a I'lamed lfisuy€d
ln lhe Oeclaratinns.
With resp*ut ta sny psrsust cr organltatisn wh*
is npt an *in*ured" l"rrrder'"u$derlystq lrrsuranee",
ffiserega undsr this p*li*y ah*t! apply only tn
lnss in *xFe,s cf the arnpunt sf th* 'und*rlylng
inssrsncsn or "saNf"insur€d rcl€rrtisn* applleabl*
8n yqr.l.
F{nwarer. e8v€r6ge affsrded by rearon nf ths
prcvisionr s*l f*rd'* *bcve npp{ies cnly 1ro the *nlent:
{*l Of t!t* sccg* *f mveregs provida.d by *h*
"unSertyinp ifisuranee" but jn nn *vent shall
efiv*r"*ge ba br**dsr th6n ths *eap* of eoy*r*ge
pr**ided hy ltrir plley arrd Hny *ndarsemenls
*tlsel'led harsls;and
{ii} Thet *ueh c*v*raga pra*id*d by the "*nd*rtyrng
insursfiffin is m*inl,alned h*vilig tirnitg es sel
fsrth in the $ehedula of Und*r{ying ,lnaurxnce
Foiicles.
sE€iloN tv " t-tMITs sF tt{guRAt{sE
A T|-w l-lxtitc of lnsuranes shg$rfl in th6
E**l*r*tisnc and ths rules beluw fi* tns mo$l $s
will pay regardless o{ thE number * :
1" *l*fflrg{is":
e- Cl*ima made cr *auits' broughl;
3. Pexons m *rganieascns making *lairna *r
brinqing "Fuitsn: sr
S" C*rrerag** u*d*r whieh d*rnfigffi Br*
cuv*rsd und*r thi* p*liqr.
B. Th* timit cf ilnnurance stated as the General
Aggt*ga{e Umit i* llm mest vre wl{l p*y fac th-e
xum d'daniagesno ofhgr thgn "dam*ge$n:
{. Because *f }njury or dsrndge lneluded $rlthln
tlre'prcduete-ecmpleted cpamtjons ha:rgrd":
2. Fesaus* ct'badily injurt' by diseese [s your
'Bftpl6yes$" arlsing out nf snd {n ths *csrsa
cl their*rnphyment by ypu: pnd
3. Secsuse rt .b$lly injuff and "pn:perly
darngeteu arisirtg out ol tfte a*rnership"
cperatian*, ruainlenanee, u$e, entruslm€n!
to nthsrs, losding or unlo*ding sf ilfiy'srllio".
G" The l*imil af lnsuranna $tsl*d *6 thc Frcductc
fionpleted *perations Aggragaie Llmit in tire
rn*rl we will pay for "damxge*" baesuse sf
injury nr damaga included w{thin the -prcducts-
cCIft Fg6t6d apsralJunu haasrd""
S, Tha LJmQ of lr*sumncs e**tsd s€ th* F.*dlly
l*jury By ftisaes* &S*rBSale Limit is tfr6 m6st
vde will poy fur 'darnag*s" bnsa!$e nf 'hodily
furJury- by dissFFa bo ysur "arnpl*ye*r' a*ieing
*ut sl and in lhe cwrae *f thsir *nrBd*ym*nt by
ysr.i.
E. Sub}ect tc F," *-, sr S ehnve. whi*hevsr appiies-
th6 Es$h Sccumense UnTi! ir th€ ms6t x#F sdil
Fsy fcr ud*nr*g*$* bscauxe of *ll "bcdlly injbry",
"prnperty dfrrnagen. gnd "pers*na! and
*dverti*ing {njurt' ansing out ol afly e.r,t&*sgcurentr€*.
F" ffrrr sb!i$*t;o** under thi* in*urs*ce e*d wher'r
the xppticrbls l*imi{ af lfi*uransc svai!#b'la i*
uaed up. lf *rc pay a*y grn#unts for 'darnage*"
lR sr*a*s s{ thai Umit *l hsuranc*, y*u agree [a
rgirnbure€ us for such arnounts"
S. Th6 Lir*ite *f ln*urancs of thls p*liey *pply
separalely t* saah cqftsesr,itiv* snnu*l psriod
Fftd ts any rxr*alnir4; F*ri*rl *t lp*s lhsn i!
msntks, sta*ing rsith t*re beglnniyq af ihe .pclir,y
pericd'sh*wn Jn tl'l€ F*cl*ratirnn. Flcwpv*r, if
the .p*fcy peri*d' ts ext*ndsd afl*r issr^lance t*r
pn additinn*l period ryf less than 13 rn,cntha. lhe
additi*rrsl Sgrisd rr{ri}l bs da*med part uf lhd last
preceding p*riad far th* p#rppss of detarmining
the Llmit$ o{ l$suffin*s.
ggGTI*il V . I*UGLEAfi EH€FEY LIAB'fr.'TYg.XeLUStSf{ {3rund Frrm}
A. The insurance cioes not apply:
t. Tr todlly injllq{ or "propsrty damago":
s. WiUl isspsct to wh{ch en -insur6d" uftda!"
the pelJcy is ffl$s an inrurcd urrder s
nuef*er a*srgy liebility palley ix:u*d by
Nuciexr Enaryy Liability lnsurane$
&*saeiatisn, Mutr;nl Atonni* f;nargy
l-hbi lity Undsrwdters. Nuetpsr lnsursncs
Asso*iatiosr c{ *enada sr Eny o{ thelr
$u6cassors- *r rmuld he *n inEured
rirtder sny such pstlsy but lat its
terminallsn upon axhaustlen cf its lirnlt
cf liability;or
b. Resulting frsrn the *hazardsrjg
Freportl'es" of 'n0elrar rngler{al' and
Frga S af l{Forr* XL 00 0S $g 16
wllh r€l$p6rl to which {*}uny psrsafi or
orgenieati** ls nequired t* ,maintain
*nancl*l prstsctipn pursuan! ta {he
Atorrle Energy Ast nf 1S54, sr any law
arnerdal*ry trfiene*f, sr {b} thr uln$*redo
i*, ur hed lhie p*liey nai b**cr i*sued
wculd ba. entitlsd lil indem$ity frcrn the
United Stals* ef Americs, *r any sgency
thereof, urd*r any s*rearfient sntprpd
Inln by the tJniled S{atrye *f America, ftr
afiy ag$rlsf th*r*nf, *ith any psfson 0r
crganization"
3- Tn "bodiiy iniunf *r 'property darnage"
re$ilfUng fisfir ths'hseard*us propertiw' of
"nue.lpar rnai*rial. lf:
a. Tfue "nuqle.ar rnsiaripl' {e} is at any*nuct*sr fxcill{f awn,ed bv, rr operai*d
by or on b€half sf, an "in*ured" ar [b]hs$ h*sn dieefiar*Fd sr dieF€r*eei
lherekom;
h" The "nuele*r mai*rial' is eont*il'red in
'cp*nt fuel' cr 1ru*st*o at *ny time
possesx*d, hatldied, used, pr*cecs€d,
stsr*d, tratsporlod or dispnsod of hy or
o'n b,ahallCIf *n "ln$uf*d"; nr
c- Ths "bo'#ily lriluaf cr'pree€ity darnag*"
arise *r.rt *f lhs fumishung W sn 'lnsured'
of ssrvkes. materials. parls or Bquipmontin epnpactirn lsith 6?F pianning,
wnstrue{m*, meixtsnanea" op*rali*n or
use Bf nny *nuclaar {ae!trb#, bui if such
fficilltlr ls t*nated rrrithln tha Undted
${at*s *f Arnsri*x. its terrilnde* sr
p*s,srssi*ns sr Sfl*ada, lhis exetunlsn
r. *pplle* o*ly lc "pr*p*riy dan**g*" to
$r.:ch *nuelepr feaili{y" and xr:y prnprty
tham.*t,
B- At u*&d in thi* *x*lu*iox:
*i"{aeerd fii s propertrie*' in*ludg ffidi*eslive, tsxd*
sr *xplostve prcperli*s:
"f*ue{ear iYl*terisj' {T&a*s *sat!r** rnateriat',*speuial nudsar malgrl.al' nr "by.prnduct
nnalcrCsl";
"Seur*s m*t€Eal', "speeigf nu*t*ar rnaterial" gnd
"by-prduct rnstsrial' havs the rnaarting* giren
them in {he At*,nnFc Energy A*t of '!954 or in s6y
law rrnend.atory {hr,re*{
''$Fent {$*l' mean$ any fuet *!en:*nt or fr.:gl
rorflp*n&nt. $stid cr liq*lel, whicl'r kas hec{'r u*6d
nr *xposed tn mdlatisn in s'Ruclesr rg*c.tsr*;
Wast*" msans afly wasle mnte rial {ai
eentalning 'by-produei nTat*rial' other th*n {he
iailings or wastes pruduced by th* sxlrartisn Br
c.onea*lrati*n sf uru*ir;n"l pr t!'loriurn lram *ny
ore proee*sed prir-xarily [*r Rs '*sure6 flnatcfinf'
sonts*l, and ib) rrsulting from thu cp*rcticn by
6ny per*on cr *rg*nk*tian *f ang *nualcar
fssllit!,r Includsd undsr ths flrst tmn parugmph*
of the datlnitisr *f ''nuclear facttitf .
'Nudsar fanility" d1silng:
ttl &ny "n$eiaar r*actsr"l
t2l Any equipmant or dsviro drsigncd ur ussd
for {a} r*pareti*g lhe ieotnpes sf l}rsnium ot
pfutonium, {b} prs*stsing or utifixing '&p*tlt
fu*luo or {c} handling, pruc*ssing sr
packaging *l'v€st6":
{3} Any equlprnent or devic* u*n* fnr lhe
proe*sslng" fabrie*tirlg nr altoying nf ospecial
nucFssr nrat*rial' tf at *r:y timg ths lcbl
snn*unt sf sueh {?isl6flel ;n ths rusisdy {if
the .insursd. at the prernises whnre sueh
*qarlprn*nt or daviee i* locai# sofisial* *l *r
cbtrieirNs rngre tha$ ?5 prar*s *f plutcr:iunn
*r *rpnjum 2$3 cr sily csmHnstlsn theruni,
or msre than 250 grams o{ uraniurn ?33;
{4} Any $trudure, basin, sdcavstinn, prs{n{Ee$
*r pla*e pep*rad *r u*ed for ihe Etsraga Er
dkp*sal *f "Rrastg': a{ld ,lncludee *hg site nn
whieft any sf [he. f*ra*prng te ,*0st6d, sll
spsr*{innb eondu$lFd on such site *nd agl
prernis*s qJsed ior sucfi nperationr:
"Suslear rsertcf ffiB&ns eny spB{rstu*
de*ignad sr ussd ts su*laifi nuelear fl*s.itn ifi g
self-*upp*rting chain rpaci,bn sr l* c$nlsin a
crltt*sl mass of fis*lsnahl* ms{*riel;
"Frop*rty damese' irrcludas all f*rm* *f
radieaetiv* rnnfiarn lngtion gf prep*rty.
3€ST!SH Vt - C&r{StTtSf*S
A" Fremlum
Altr pr*rnium* ffi{ iffi& Fsltey $hsil ba r*mputsd ifi
sc*fiadanee with lt€& 5 s{ ltte Feelsraiiefls- The
prerniunn s[st6d ss auch [n lhe Deelar"at*ons ie a
deg:sit p*erniurn runly which eh*ll be uredit*d ts
the smor.lnt *f *ny ram*d Fre{niilrn, .&t llre
clsse ruf each "policy period", lhe *anngd
Ftemlurn *allh* ecn:puled fsr su*h perled, fr,1d
upfn R*ti*a lflF{*sf !o th8 NamBd ;ln*ured fin*i
$horilfi ln lhe Seg$ars$pns chall bpcsnle d:.re and
peyabl€ by sueh lCemed lneurod,
lf ths tsiat safRsd pr*miu*r fon the "pslKy
per,ind* k less than tha premiurn prav:iously paid
*Jd rnffrs t*wn thn rninir,nurn pffimiurfi, we shsll
rsiuffr t6 sueh Nsmed lnsurd tl'le unesrned
portisn pald by sueh N*lpmsd lnsur€d.
Tha Namad lnx*r*d Srst sh*wn i* lhe
ileelargtinfls si'rall rneintain ressrds *f sush
infarnnalion ss ls {leees$ary f*r premiunt
e*nputali*n, a*d shall send copin* *f xueh
rer,$rds tr u$ al the snd of the -poliny period"
find at Euc{', lirn#s durirtg lhe 'potky parirdu as
we r*ey diract.
B. {nepscllen Ard Audlt
W* *hsll be permittad hutr n*i obligat*d lc
insps*t ysur prsperty and op*ratio*s Bt srly
Fsrm ltL 0t103 Ug l&Fage I c{ 14,
sIfi0f000txrllrotis:psJflsrllus UIOJ} sa$euJ€p Jsi Sut{6e Jlrtrs* s d}rJtsn 6ilF,q a$gi,Jsr{lo is ,{tiFd 6 6s sn ilpf *t 's:/irl{odsrqlr€pun lqnp e *'xTil:ffffrr# ._',trus.,nsu{ Sudpppun. du* rnr{rypd *lUlsl 1*ads*r qllan *tr*fr,rl Eq4slp*Aps pus lsi.rsdil€d,.:c **fiawep dF*dcd, ';Ln[ul SltF*q" lfr ssngssq,"Fslnsilh Eql dl stE*li aq {*u nq*n ucnx"agu*fi:a.r* uocrad due ieuge$n t{lJuruapug Jn uo[nqptr{.ro}JB lq$p due $slEus ilsqs epsin$uL pU1"Jesj8q}sb*n$uo,* pu8 s$tjsl €q}fq qt1ln $gdu.rn: Fus *ssrrslns4 Su1;!npun"slll lo rurjal *ql r{q Fe"rlnbe.I sE dJsJf}ful8u$papun €g $l rq$s Lllln* sl&*dau3 'gpu* i{*1pd $tll }s s1"rsfllpr.,*s puF slu-rs}*q1 ftr qlird dtdruso pu€ $fi r;prn etrr;eda*5 .l:lleq* "pFJnsur. ac.{lparncill ar{I ln uogu*dang puy sruslslifry .&'ITJSS!JO,* Jr10 l$Sqltrn, ',plB lsJstrsq1 l*llts 's6su*dx* St:€ Jrrsu! :c'uaqu$llqon{ug a$nsss 'tuau$tgd E *{*ul 'l€ffi t}Ar,g$,g6ri"rsu! lsr$ l€ gs*xe '11!*r $po.lnsul oN 'S'lrjg€{rsr rnslno$!*r ffilldde {ssue,rnsul Suptg.l*pu*.ou ll .u*rtu&lFj psrn€ul-jl€$" sql qld :*€suaJfigt l6*!ffli*pun" js €lltlJ{l ls}oi 6ql .*:js $Fasxa {}l Liin*6.ro, l{J*rr}slltras r{ua cl **"rfu.,o *lFrJJ 1*o*u$ri1* $,psJnsul la6 gg lda*xa 1l'in p*.rnsul aliJ '$'{gd* deu.r !uall$a}aiF*JrlslJr-Jlgs" r$ sa*u*Jr1€ul 8ru11{p.l*pu*,rtua .rs ielpd arql qrlqJft oi e6swepJe fdnl$!lo esner*q pe't*suaaql e? aH*;;oq d*u rlcllf* uqle4ue6.io .lo uoslod{us t*uF$s }qst; '{uE p lustrrgr*s,gussrll u; is*rrhar :n* U*dn 'sR tr€{g*V .FPUE :*lfflt* sl$ leule$es$usisp J6 r{rlap 8q} ,,0 }u€sua*lag.tg wpe$gaaAul dr.{l ul sn qllt'A a}er*d*o3 's:u0lls&xqluri*r{l* Fue *Flo**r ulslqs ol s8 *r!Jaq$v .ql*selldde JsAgrfs!rl{s'*soueJnsu!fudplapun, Je i,uorlualal parnslll-llg*, tus Je $sffixe U $Jns B a*Ffillt*t fil*Etl ro *u1,q**u: qllns* .tc r$lsl$atll qlp! l,lB![3*ul,]43 ul Fsn{asaj s:*dedlrsal m *a6uof,!J*'n€'ssill*u'sFust"t"r8*$s* |o sqdsc *!r pusB d$leFa*.rwl '6:lsnu.J paJn*ul p*&cAulra4c due *uE r!flS .g's*tgda l*neqslqs!'*€suErn!u1 $uldpapun. rs,tulnualsipsJnsul",lls*" *ql l0 luf]ouJs a{.lt ps8}xsol /tP4rt sl ulep sm Jt*a $66s 8s Suff*nn ul'rlpuH:p,*rrp*** slep €,{& pu* "}fns- Ja urlnl*Bq4 Jo s*illa€d* srJ; plon*J r{getrcrpa*ur; -B:gsnn: n*A'pa:n*u; l{ueI$ulgsF lqsnwq sl .il$s*.t* speH q ullFls p ll "e'ras{J€lJsx "K,"*;usllnr3s. *i$ Je 1no Su$!.rc s&cu:*prc funlur due go uollssol pue slnlsu €qI 'gpLie lssssa{gpil prjs s$Bsjad paurtfu;l{u* 1* sass*rpps pri6 spilei sq: .qta*€d ls*l.seu&}Insso. aH.*l algqi'n pus HaI.FA '$$F{ 'g:8pnp{lfindqs *$!ldrr 'oplsSud lualxs sr{ aJ'F*Jn$u{ l€u8!}tppFdur pue ne,t q fi*1c:eda* **gdde flnF s1l+l'ibltua rilgnd js uolsl^tpqnsi€]l!|trd s *r p*Jf1s{d lE$a$pp* u* J6nsrt j! 'lBf!'lrJB palutad$e :* palaei* {uV .t.to:lsn,l 6 srpeln$L,!lsutlglpps u* rs nsd ;1 '*apru1 ,,tury "dlungemd;o* e alepaJnsui te{lst}lppe us io ns{ 11 :mS*uau$I,uFjRSUI ,t0 {}ie*lJifi aa;lnoaxa* r{ug "Fi'{uedwos illlqell Fs4url e sJF pgrns$llsr"rollrp$s uB Js n${ E lc$eLreuj ,{uV "s:drHs.JsuilKd € sJs *s.ln$u!l8uCIl}?pFe ug ** n*'{ g t.l**ped ,{ug "qll€nptrl!pu{uB et lEUt ps*tsu! lcxra11lpps r{ue .lo no;' .E:S*r*lc6p1srll ls Aue at ur&suq E **lusluts$s,q$ns ris{{nn {1ura **1gdx p*ui*rpbe.r *q1":{qpd qry r*pun $ilpls B u! llnssJ {eru qa;qsnN$*ug:rniSo4 ue J* glqe*l***rd sE t'tsossE pauli0l.r *Jp snl +Er{} ll o} sas lsnui nsA .$$nsJ* NIllslS 'sau*.LlRi*o lo turAS €ql ill *8nn0 -s"*rrpd €lqi ra lapeul ladqns 6ql st al*lsr [aq1 seielssuf i[ellcd rlt{l ]0 unitgulujJ*] lsul] sr,{l J6us*.1**s rclq1 {.}}1,1*t*r F$H J$€r€ril s{ls{€uelx€ 13116.p#pad {r1pd,, aqq Su;inp aeqi ,tue 1e sprs$aJpus filasq :nnfr tpne Sua suuuexa .t*m s66'u*grp$er-is s!ru '#iq due q1ir!1 **rrqldu:*r u[ .gJa:lftiqxt8*H 'e:sjsg 't:a,m ru*1treed*.n dps&ld qans leql $je.usnftls supijJaxsp nl sJsqlil ,s te$ :n gauaq ;nud.ro; Js glrr.tsq :no,t u* Er-rlleprpun uB slrllpuo*fiFqs'ussJelfi pcdr: rtue Joil ']oolst;ll Su;qer:t aq1*ou 'su*11$edsu; eqSilJ st lqnp ins lsrlll*N 'srtlll711o g1 afiagalqeqpeld6n d$*tql
b. Ts *r.,6 trs sf,:t thi$ polley ijnl6ss *{l ol {ts
terr*s and lhma of ihe .underlying
inruranca'have bcen fufiy c*mplied wth"
A per*cn w organiaalisn may *uo us to reeovw
an €tl Fgnesd s*ttl*rn*nl Br fifl a fin*ijufurn*nt
sg*lnst Efi insuradi but. w,s vriil nat bc liabis fos
damages d.rat sre nnt payabla under lhe lenns
ef tfiix poliey or that aru ln erc*s* *l the limlt nf
fiab,itRy. An aEr*ed selll*rnent rfi*sns a
s€ttNemenl and rclaese af liability signsd by u$,
lha lnsured 6nd lh* *lx$mnnt nr {hs rlsimant's
$egal representgttve.
F. Agpeala
!n tha svgfit lhe oiR*ilrsd" pr [ha "lrrsured's"
u*d*riying lnsurer aJ*cts not to appesl I
judgnrent in excess of the *Llnderlying insurance**f {hB "*elf"lns*red reta*ll*n.' w* msy *[sci la
rnake such *ppeal, st our trosl. and expense"
lf we s* st*ct" ws srlall bs, liable in addit&pn to
lhs applicabla Llmlt *f lRs$rans&, fsr lhe:
1o Taxab{e coste;
!. Dkburser*Fnls; snd
S" Additicn*l inl*resl ineidsnta! tn suqh pppeal;
Fut ln rr* ev*nt willlv* ha li*ble lor'd*rnag**" in
€xs€s€ of the appl{eable aggregate Lirnii uf
lfisursncg"
lf a judgrna*t *F reridsrsd an sxep$6 pf t[:* $jnrils
of *undarlytng iflsuran*** ar:d we effer to pay *ur
full shar* sf pu** jr,rdgrnent, but yuu pr ysur
undnrlying in*urers el€6t to *FF6at it, pu- leur
underlyirlg insursrs or b$[h will bear:
i. Ths ***t and duty o{ ebt*ining any sppeaf
h*nd:
b" The taxabl* cssts" disb{rrsemsnta and
a$ditisnal intersst inciden&al t* such spp*ff1:
and
G, A*y increas* in darnages oyst th€ flmount
ths matter *culd have bBEn est$*d for aflar
the vgrdict *rss entered and beinre the
appc*lwe$ fi16d.
G, Othpr *naurancn
TMs pslicy ehfill appty ln excess of sll
"undarlying lnsur&rics' wnether or nst velld *nd
wllnetib{a. ft shfill alsc apply in excesx ef nlher
ral€d srtd raltsctible lnsuran*s {*xcrpt nlher
insursnsg punshc*sd *peeifiesHy t* spplf in
6xs&s.s sf tlli$ !**urane*] whi*h xlr* *ppliea to
any l*s* for whiah insurance i* Bmvided hy lFris
p*lhy"
Tfm** *x**ss proviairnr npply. wlraihsl *ueh
sther insurane* is ata{ed to be:
t, Frinxsryi
e, Gu*tdbuting:
3, E{.s*es; nr
S. ecntingent.
*1. Trsrrrtur Of Rlghts ff R*c+v*ry Agalnet
Othsrr To {Js
1. Transf*r*.{ ftightc *f R*covnry
It ths in6[,rsd hx* rlght:a to rscnver a{l or a
parl. af Eft!' pglmgni we lrwn rnade und*r
this pnlicy, thme riqhts are trrsnsferred t* r:s"
Tha insur*d rnusl ds' n*thing *{l*r * lcrss ls
irnpair thwn" At our request. lhe ia"tsured will
bring 'xuil" w lr*nsfer lhos6 rights ls us and
lrelp r:x anfcrce lhem,
a. Rer*veri*s ehall bs spplkd ts
tgimburg*:
{t} Flrsk *fif hlsrs&l {inel*dlng th*
Named lnrurxd) ttrst paid any
affi*unt lR exe6$s af our limit o{
li*bitity:
{?} $wcnd, us, fl|rng widr any *ther
insurers haul*g * qusls $hars
lntsrest al ths sarne lcvsl;
tAI Third, *u,*h ini*rests {lnr$uding lhe
f-tram*d lnsursdi 6l whnrn th.l*
{nsurance is exe€ss,
l-l*wev*r, n dif,fera*l apprrilonms*l m*y
bs msd* to *ffeet $etti€r**$l rf * d*lrn
by agreernent *ign*d by all interesl*"
fo" ftssssnsblp 6fip6n$ss i*c*ned in the
*x*reiee nF righln of r*ecvary *hsli he
apportioned amn{?g af! i$teresis in the
{atl* CIf thelr raapectlvs hsees far whieh
recavsry is **ught.
t. tffalvsr Sf Rlghtu Sf Reccv*ry {}lfa*ver Sf
$ubroseticnl
lf th6 'in$i.!rsd' bas r&lrftd eny rights sf
rscsvery against any p*rssn cr nrgnnieelinn
f*r all cr p6rt sf anp' payment r*a hsva made
undcr tfiis plicy, we nlsc weivn Nhat rlght,
pravided th* 1fisunef w*lved ih*ir rights cf
rsssvery xgainxt srich pem*rl sr
or$*niaati*n jn a c*rrtra*t, a*resrn€nt *r
Fsrrnit lhst w*e sr6.fi}lsd pfisr ttr th6 injun/
ardamag*,
*. Ckangae
Tfrl* policv Ntrntains all lhe egre*m*fl!$ hsfitrss?r
y*u xnd u* **rrcsrning ths ifisurance sffnrded.
Nnties {c any ag*nt, or l*nci*rledge psxss*sed by
uny *g*nt er srry s$ler p6rc€n $hell n6t effecl a
waiver or n ch*nge in any psd ol ihin poticy, or
si*p rls fr*nr asaerlin& sny right* under lhe
iernns 0f thi* pollqy.
The herned {n*uned {irxi shryrn in ihe
Fe$arxtio*s is *ut|rodrsd oc hehelf ef xll
Insuredso to agr*e vdih us an ehanges in the
t*rrns tf thi* pelicy.
lf ihe t*ftfls ara chxng*d, lha chang*r xifl b*
shawn in an sfidffseff€nt issued by us and
mads * part sf lfri* pn{iey"
Fornn XL 00 03 Ug lE P*ge tt of 14
,!" BeFsrstloft Ol lnxurede
Er$sp{ rvith r**peet to ths Lirnits of Llability. *nd
any rights or duties ap*e$ffcaliy assignod in th!*
pCIlhy ts th* f{emsd lneured firet sh*vri} in the
dedarntj*ns, this ineuranre opBlies:
s, A* if eaah lnlamed lnsur*d were the only
Nci$sd lnsurFd: Bnd
b" $eparately io each lnsursd ag*inst whom
elalsn i* rnad* *r *suif i* bmught.
X. Mslnt*nnnes Sf llnd*rlylng lnsuranc*
Folieias affading ir: tst*ltFr* ecverage nnd ljmlts
ptalad in the S*hedale of Underlylng lnsurence
FslieiBs Ehall br rjnsintsin€d in full *t?ect during
the eurrnney nf lhis pfility. Y*ur fa{lure to
comsly wlth thc frregoing xheli nst tnv*Iidats
tfuis po{le}i, ilrit iil the €vsnl of **sh failsre, x,s
shall be {iable *nly ta lh* exignt thgt wE $rsrjld
hRr6 hssn !!abt* h*d you cornplC6d hare*rth.
TfE l'{amed lnsurgd *rst shown in th*
Se*l*ralisns *h*ll give ua wrilta* notiee e* *.cn*
m pra*fleable of arg of thx fnlt*wi*g:
'1" Any eha*g* l* the *svsrag* ur in th* limtls
of eny 'und€riyins !nruranc**, lnsludlng but
nst llmited to a ehxnge frorn n*eurreRse
fiFv€r*q€ ts elairns a'nade csverage;
I. Tgnninatlcn af part or sll gf ons sr r*sru ef
the poliei*s, cf 'und*r{ying insuranc*';
3" R*d**li*n sr exhaustisn of sn sggregats
llnril of liability sl rny "'arndarlylng :lnsuraner'"
Ytte 'self-insured tsl€ntioft" shail not a*plyghwtd {he .undertying in*lranceo be exhsi.isted
hy tha F*ym*nt *f cfainrs or "cullr" wl'ridr *rq
xl*,o e*vsr*d hy thi$ p*llcy.
L. Ganr*liat*on
1. Tlrc Narned ln*ured first shsnrn &n *fts
Dsel*r*thyrs msy 66ne6l thi* p]iey by
maiJirq *r d*tivering to u$ &f tn sny pf sur
aLrlhs,riced *gent* advsne€ wriite* nsllee *f
cancpllxii*n"
g. Wa may carlcsl this poliey by rnaltirq or.
d*lfvering i* the l{srn6d l*surad flrgt shown
in the Saatrarstion$ fi! the address shel#n ifl
th,is pcliey. writt*n nsliea sl caneal,l,Etton st
lsastl
a" 1* dxyx bafor* lhe sffeetivx datr *f
canesllstisn it suah N*msd lnEurEd falls
{o pry the pmmiur:r sr &rry in*taNlrfie,nt
whefl d[je;nr
b" 3$ d*ys befor* the *ffeetirre *!etn of
*sfi*elletiqn if $a c*nml l*r *ny *ther
rgas0n.
p. lf nntiee i.* rnail*d, praof cf rn*lting uulJ k
auffic{ant Fr*oF *f notis*" l{*iice wl|l state
lhe effee{iv* dste uf rpncel{atisn" Th€.pu,llcy pxri*d. t*iFI qnd &n thsl d*[s.
Selivery of such *otice by the I{amed
lnsursd flrst cha$n in {ha Beelsr*llsns or by
us $rill be equivcle,ni tc mailing.
4. lf lhe H*med Ineured ffrut shswE in the
Deelarations rarr*els, tFre r€ftind rnay be
les* than p{e rfits. but we will mtain eny
minimum prsfiluon $tated *s such in lhe
Declarati**s" lf us cance{, the refund will be
pro rata, The eancallation wlll bs effEstive
*ven lf w* hav€ nct r:rsd* *r oflsr*d a
rsfund,
fi. *len.Rsnasal
t. lf we deeide n*t tro r6n€w, we usllt rnail sr
deliiier to ths f{emad insured nr$ sh6nn in
the Fsds!"*ll*na, s{ thr pddrcss sh*wn in
tf:is polisy, wsilten RstisB df non.rer}ewal st
lsast 3S daloS befora lhe end of lhe .pelicy
F&r"i*d'.
2. lf *otina i* rrailed, pr*o{ of nratllng r*ill be
suffiei*n{ praaf of n*ti*e.
S- lf rx* c$er te renew but sr.rch i4srned lr*sured
dsss Bst s*c€Fl. !h[x pcliry wifl nct be
renewed at tf:* end *.f lha eurrenl 'p*li6y
per,krd",
!'1. Workers' Camp*n*.rtion Agre*r*ent
Wilh resp**l t* "bndily iniury" l* any of{i,eer *r
nlher an*plcy*e *rl*irrg out sf and in thc eaurse
of n{r:p&syrr*ent by ynu. ysu repre*Bttt and agrae
that y*u havs nst ahr*gxled and will n*1"
ahrog*l* y6ur e$fiRr$an{aw *afa!rs*s. under xny
Wnrker$' enmpen*atirn Lsw by rejefiicn *f
saeh lsw or *ll'lnrwiso. 9f at *ny time during lh6.palicy peri*d. ycu abragate such defsns€s, the
iqss6snss f*r 'b*dily injsrt' t* push *tfi*.er *r
*1fi*r *nnp[ay*e eiller*dlically t*n*i*at*s et lhe
sarne tirne ,
O, Eankruptcy 0r ln+o{voncy
ln tha *wrct of *ha h,*nkrupi*y sr in*alvancy *f
ths *insured" nr flny anttly eornprisi*g the
ilnsured", v{a s,hall nnl be yelisvad uf xny of our
ohligadan* under lhis policy,
F" **pr*r*n$tlon*
Fy a*cepling thls p*tr[ey, y*u sgres:
a, The s[st*n:sn{s in ihe Decl*ratlons are
*reural* and co*rp!et*:
b" Ths *tatsfflants in tfie $ehadulp Ff
Undarlying tnsunanep Pclistes *rs ac*Lrrsta
and cornpleb:
E. The stnt€rnents !n a, nnd b. *re based {*pon
r6prsa6n{6ti0rt$ you mado to l*s;
d, W* have lssu** thi* paltcy in ra{{an** up*n
yaur mFrssantaliens; snd
$. lf uninl*ntinnally ypu shruld fail t* dixclcse
ail ila:srds ol lhe lnceptian cf this poiicy, we
shsll ncl d*ny e*verage uodw !hi* pcf!*y
hec&use o[ sucfi failura.
Fage lE of 14 Fqnrl XL g0 al3 0* 16
sEefisll vil - sEFtHtTtsr*g
Exc*pt ss sthelwl*d provided in thie Bsctlsn 6r
srnandsd by *ndnrs*ment* tha wqrda or phm*e*
ttr*t spprar ln guot*t{on mEs*x wlthln thls pollcf
sfiall fal*cw the definitipn* of the *ppliw&l*
"und*riylng lnaurailea* psl lry,
"Arcidint" in*lude* e&ntiilusus or r6p€fit6d
exp.Fl"rr6 [s lhe $ame esrditionc rerulting ln 'bo,dily
lnjury" ar ?rdpsriy darn*ge'.
"A*b6ttns hcgard" nt€afis *n sipssur* or thfgel sf
sxpsura tr* ihe setsal sr alie'ged prnperties nf
s*bestos snd lneludae ih* m&ru prssenes af
arbest*s in any form.
"AutE' mgang:
a, A ls*d mptpr vrl'llcls. irallsr *r ea$litrsile{
ds*ign6d l*r t€rs! on publlc mada- inclu.ding
any attached ma*hlncry *r eqr;pnrant arb, Any ntftar {*nd vehieNa th8! is subtect ic e
ccmpulscry pr finansial respc*sibility larlr o{
*th*r mot*r vehfc{* in**r*n*e law vshera i* i*
I!**n*ed or prin*ipelly garaged.
Hon'euer. kuto" d*ex no! lneirde urnotrile
€qr*ipmBr:X'.
"S€v*rgd p*ltuti*ft enst or ar(Fsn$E* ra€ens srxy
etrsl #{ sr.p6ft$6 arirJng u*t *f;
*. Any requ6st, d*mand, ord*r o{ s{atui*ry er
regul*tcry r*q*irgrngnti cr
2. Any elalm *r "sui(o by *r un behslf sf a
Soverftrnenlil suX!-€rity demxndlng
that ihs "rnsured' or clhsrs ie*t for, mgnitnr- *lsart
up. rB,mc?e, a:nlpln, tr*ol, det*xi{y or ngutralile, pr
in any w*y .seBond tsu sr €fs€s$ the sff*ets of
"po{lutanta',
"ficvsred pCItluthn r*sl nr Expefise" dses not inulude
sily Esst or 6xp6nss srisins 6ut fiNf {lre e*iuaN, *!!egedcr lhresten*d diseharge, dispersal, s€ppag€,
migratinn, r*lease sr e*c.6pa *f "pcflurtunt*':
{f } Tfr*t sr&, sr ihxt *r* *nni*in*d in **y proF,Frty
lhal is:
d. Being Lransported or towed by, handl*d, ar
l't*ndl*d fflf {r{svern$nt lrltc, *ntc s frorn,
any'HUlo*;
b- Sihs,rwise in tfre cor,Ifss of tr.angit hf sr sn
b*haff *f ths "ifisursd'; er
r," Brl*g stnrsd. diapa*ed *f, t!"ss!*d 6{-
p{qseEged in nr upen *ny'€ul*o: sr
{*} S*fcre th* "psllutsn*s' or ony propsity in whhh
thd 'FolfulanB* ers c$ntainsd are rnnwd from
[fte pla*e tthern they ers accoptod by ths
'In*urad' for mo*grnant ir110 *t, ontrr any o8utfi",;
fif
{S} Aft*n lh* .pcllutanls' *r any property in which
lfie .p*l$utsrit*' nrg containpd are rnowd frsrn
any 'EUt6* t* ths p{*ce where they or* finally
dellverad, elispor*d of ar abando*€d by ths
",insuredu,
Faragraph a- sbfivs does nsl 6p$y ts fust*"
lLrbrircflts, ffuids. exhaurt gaa*s nr *ther similar
"p*lluhnl*" that 616 n*eded lnr sr ra*ult from then*rrnal electri*a{, hydraulie or mechanicsl
fu**tioa*ng sf Fn 'a!.lts', earrered by lhe "underlying
ingurartc*'or ite parfs, if:
{il Tha 'p*llutranls" B6c.ap6, scep- n':igrale. or ata
diarhargnd cr refn*s€d dir*ctly frsm an "autn'
p*d de*ignad by it* manufafitur*r t* hold. stsre,
reosive ar dispcse of sudr'pntluta*is*; and
{11 ?he 'b*dily injury," "property darnagen trr
"mu*rcd pdluti*n se*t or srp*{1e*' dnax *ct
ariss sut sf the operaiicn nf any equiprnent
llclsd irl panagrapha 6-b and 6.a. *f tha definltion
sf *mohils *quiBment'"
Paragraphs b. and *. abcv* do no{ apply to
"sorldenls" lhatcecur swsy tr*$x prernir*x s.rlnsd hy
*r renhad ts an *insuredo'with respsct to "F€lfutants"
nsl in pr up6il sn "sillo" FsvBr"Fd by the 'underlying
ingr.iranp** ift
{11 ?he 'pollu,lxnis" trr sny prCIBe,1y in w&i*fr the
"F&llutanls- ars c**tained xr* up**t" ov*rturned
or darnaged as a resull of lhe maintenan&* sr
uge af the "*utrt"; and
[*l Tna dktharg*" elispersal, $egpage, migralicei,
rclease or ss€aps *f th€ .pa{lulanis" ,ls cgused
directly by such upssl, sv€rturn *r darnage"
*$afixgas" inulude preludgment ln[eresl awardpd
sgaifist the "l*aured" sn thst p*rt of th* judgrnant w*
p6y"
'Eernagu*" da nst indt*d*:
:1. Fif?esi
!:. Pertslti6$: *r
3. *ornages fsr whicn *ngurance ir prrhibiled by
the taw appfi**bt* 16 tl-rs 66*strustlo* pt this
poficy.
$ubjecl {c ifle fcregoing, odamsg,*s" include
d*r*o6es far *ny sf {tr* fsllsr#ing v'rhictr r*rult *t €rly
lirne ft*m "bcdi{y iniury' 1o whish lhi$ pnllay appt[*c:
{, ileath;
*, Mpntalunguislr;
3" She'c.k;
*, Di**hillly; or
5. Car,e and fo*s of sprvi*e* *r eunssrtium,
'lng[rsd" me€rn$ gny pers*n or ntganiratian
qualifyi*g ss gn *nsursd in ih* spplleabla Wt-*{} tS
AN }|'ISURES Frtrv,$ion nf thls potiey. The insuranee
sffordsd fiFFti6s reparatoly t6 s6ch "insured" e*aiftsl
wh*m slaim i* rnadg ar "sr{if ls brurught, exces wilh
rsspa*t t* th* linnii of our llsbi{ity under Lt&,llTS *F
JF.ISUR ANGE {SgCTlSf'l lV}.
"SGFFrrsnc*" tTrg&ns
1" Wfth r*sp€ct ts tcdilg injurf *r 'ropsrty
da*rape": sn &scid*Rt. i*el"rding ssntiftu*u* or
Form XL {10 03 ng 16 F*ge 13 of 14
rcpeslod exp66urs ts subetEnffsly ihe sam*
gsnsra} harmful condjtions, andg. Wiftre*sectto "pereonal and advertlsJng lnJurSf:
sr* cffenee deeerlbsd in cne of the numbsr*d
subdrvrsi*{r* *l thal de*niti.cn in {tae "u*der{ying
insur8ncs'.
::Fn!lc$ p*riod" ffiaans th* pxrtbd beglnning wiih
lhe ineeplion date atated er iu*h in thE Se,6iar6tirns8fd BflSiHS t*itlr th* *artisr sft
t. Tlw dat* rf ea*ca$ation af thir pctieyl er
2- Ttua *xpiretbn d*tiE *lsitsd se such in th*
Declaretions.
"$*lf-frnrur*d rcbntlon" rnaans tha €mount strjttadss suth dn the Sedaratinns rr*hieh ie ratained *ndpayabls by the 'insurad" wlth respect f* *uct,"pscun8ncB'.
"Undarlylng iflfur*Gcs" rhBans flre iRs{,rgfic*pdhios ltstsd in the $ehedul* ef Und*rlytnfl*surando Fnfial*e, ineNuding a*y rsnewa$- 6rspla*ament* lhereBf. whieh Brsyide lhe undedgng*overf,St,s and limit* stst€d *n the Seh€duls stUnderlying lnsuranre Folicies. The limit sf
"und*rtl$l"lg ifi *ursnc6* lrrdudas :
'1. Any d8ductibts emouni;
2. Any penidpsfidn $f any,tnsrjf6d"; sn{,
3, Any 's*tf-insr.lred rstention, abov* *r banealh
any such fdlacy;
Llss thg Emount, rf any, by whlc.k ths 4sregste limitsr $uch In$uranse has b*en redueed by any
ry$nent retnlin$ ta any aet, *frnr, ornl*sinn,
-injilqt,
damage or oflense for whlch insurance rs nrovil#
by this polhy, inctuding M*d{cal paymeota io"erageas d6$crih6d in ih* 'r.l*dnr{ying ineuranc*.' Thees{e€g€s end limil* gf sueh pclicies and any suelr
dEdr*ctibla &rniltnt, parficip*tbn nr "sa{f-jnsursd
r*tenllon* rfialt tre deemed to be applic*ble
r*gardl**e cf:
{" Any def*nse whleh *ny uedarlying in*ur*r rnaya*sert bsesuxg c{ thn "ir:sur*ds. fgilxrrs rs
cornply wlth any npndltbn af tt* pEtiey; or
3, Tlis sctusl cr aileg*d insolvsn*y or finxneial
irnpairnrent af any und*rlying lnsur€r fir any
"inEsre*".
ff ri"sf of insrlvency or flnanriaf inqpaiff**nt af anlg
underiying {nsurer or any "in$uredo is bome by Wiland n*l by r.lr.
Fag* l{ of 14 Ferm XL S0 [:X 0* 1S
EXPIRATION DATE
12/31/21
DATE
01/01/21
1101 S. Fawcett Avenue, Suite 200
POLICY NUMBER
221019
EFFECTIVE DATE
01/01/21
EACH CLAIM $3,000,000
ANNUAL AGGREGATE$3,000,000
PROJECT DESCRIPTION
Mill Creek at 76th Avenue South Roadway Improvements, Kent Washington. GeoEngineers No. 0410-
206-00
CANCELLATION: If 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. If 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.
LIMITS OF LIABILITY
TYPE OF INSURANCE
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.
CERTIFICATE OF INSURANCE
CERTIFICATE HOLDER
City of Kent
Nancy Yoshitake
220 4th Avenue South
Kent, WA 98032
Professional Liability
Tacoma, WA 98402
GeoEngineers, Inc.
NAME AND ADDRESS OF INSURED
ISSUING COMPANY:
TERRA INSURANCE COMPANY
(A Risk Retention Group)
President
Terra Insurance Company
(A Risk Retention Group)
Two Fifer Avenue, Suite 100
Corte Madera, CA 94925