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HomeMy WebLinkAboutCAG2021-498 - Change Order - #1 - Petersen Brothers, Inc. - Guardrail Repair at Four Locations - 12/13/2021Nancy Yoshitake for Hunter Jin Public Works 12/13/2021 12/15/2021 n/a 11115530.7495 N/A Petersen Brothers, Inc.Contract Change Order Guardrail Repair Provide additional services at Canyon Drive and East Titus Street. Other 12/31/2021 CAG2021-498 12/13/21 $3,150.95 CHANGE ORDER - 1 OF 3 CHANGE ORDER NO. 1 NAME OF CONTRACTOR: Petersen Brothers, Inc. (“Contractor”) CONTRACT NAME & PROJECT NUMBER: Guardrail Repair at 1st Ave., Reith Rd., Canyon Dr., & Veterans Dr. ORIGINAL CONTRACT DATE: November 24, 2021 This Change Order amends the above-referenced contract; all other provisions of the contract that are not inconsistent with this Change Order shall remain in effect. For valuable consideration and by mutual consent of the parties, the project contract 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, Contractor shall provide all labor, materials, and equipment necessary to: Provide emergency repair services at Canyon Drive and East Titus Street. 2. The contract amount and time for performance provisions of Section II “Time of Completion,” and Section III, “Compensation,” are hereby modified as follows: Original Contract Sum, (including applicable alternates and WSST) $ Net Change by Previous Change Orders (incl. applicable WSST) $ Current Contract Amount (incl. Previous Change Orders) $ Current Change Order $ Applicable WSST Tax on this Change Order $ Revised Contract Sum $ Original Time for Completion 12/31/21 (insert date) Revised Time for Completion under ala prior Change Orders (insert date) Days Required (f) for this Change d caiendar days Order Revised Time for Completion 12131/21 (insert date) In accordance with Sections 1-04.4 and 1-04,5 of the Kent and WSDOT Standard Specifications, and Section VII of the Agreement, the Contractor accepts all requirements of this Change Order by signing below. Also, pursuant to the above -referenced contract, Contractor agrees to waive any protest it may have regarding this Change Order and acknowledges and accepts that this Change Order constitutes final settlement of all claims of any kind or nature arising from or connected with any work either covered or affected by this Change Order, including, without limitation, claims related to contract time, contract acceleration, onsite or home office overhead, or lost profits. This Change Order, unless otherwise provided, does not relieve the Contractor from strict compliance with the guarantee and warranty provisions of the original contract, particularly those pertaining to substantial completion date. All acts consistent with the authority of the Agreement, previous Change Orders (if any), and this Change Order, prior to the effective date of this Change Order, are hereby ratified and affirmed, and the terms of the Agreement, previous Change Orders (if any), and this Change Order 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 contract modification, which is binding on the parties of this contract. 3. The Contractor will adjust the amount of its performance bond (if any) for this project to be consistent with the revised contract sum shown in section 2, above. IN WITNESS, the parties below have executed this Agreement, which will become effective on the last date written below. CONTRACTOR: Y (signature) + Print Name. Its PLC:GY (titre) DATE; 12- 10 CITY OF KENT: p yrlairy, yned nr Dwv nn Brody D a V i d A. Brock fad rn_PavdAo llyof Kent. ou=puplk Works Operation5. s,email=dFxock�l,enlwayov, r-u5 6y: WW 41.1?.IS 07;U;54-08%' (signature) Print Name: David A. Brock P.E. Its Deputy Director Operations Manager (title) DATE: CHANGE ORDER - 2 OF 3 CHANGE ORDER - 3 OF 3 ATTEST: ___________________________ Kent City Clerk APPROVED AS TO FORM: (applicable if Mayor’s signature required) Kent Law Department Petersen Brothers - 1st,Reith, Canyon, Veterans CO 1/Jin 11/19/2021 HENTSCHELL & ASSOC INC 1436 S. Union Ave. Tacoma WA 98405-1925 Sue Martin (253) 272-1151 (253) 272-1225 SueM@hentschell.com Petersen Brothers, Inc. 2008 East Valley Hwy Sumner WA 98390 The Charter oak Fire Insurance Company 25623 Travelers Ind Co Of CT 25682 Travelers Property and Casualty Co of America 25674 Great American Insurance Company 16691 ****2021-2022 GL AU UM XS A Employers Liability (Stop Gap) Limited Jobsite Pollution CGD173 CGD211 (01/04) Y Y DT-CO-526D9518-PHX-21 11/01/2021 11/01/2022 1,000,000 300,000 10,000 1,000,000 2,000,000 2,000,000 B CA9948 Y Y 810-0L622021-21-26G 11/01/2021 11/01/2022 1,000,000 C 10,000 Y Y CUP-4R705623-2126 11/01/2021 11/01/2022 1,000,000 1,000,000 See Below for Excess A DT-CO-526D9518-PHX-21 11/01/2021 11/01/2022 1,000,000 1,000,000 1,000,000 D Excess Liability - Following Form Occurrence Form TUE0196246 11/01/2021 11/01/2022 Limit per Occurrence $5,000,000 Limit per Aggregate $5,000,000 [Job #: PBI 21-152 Job Type: ] RE: Public Works Agreement. 1st ve S, N of S 259th; Reith Rd S, S of W Fenwick Park; Canyon Dr & E Smith St; Veterans Dr & Russell Rd. City of Kent is included as additional insureds. Certificate Holder is included in Blanket Additional insured as required by written contract or agreement as attached forms listed below: General Liability: CGD 246 (04/19) Blanket Additional Insured including Completed Operations. CGT100 (02/19) Primary Non-Contributory.; CGD 316 (02/19) Blanket Waiver of Subrogation CGD211((01/04) Per Project Aggregate.;Automobile: CAT353 (02/15) Additional Insured & Waiver. Auto Extension CAT499 (02/16) Additional Insured Primary Non Contributory. Umbrella: EU0001 (7/16) Excess Liability Following Form. City of Kent Public Works Department 400 West Gowe Kent WA 98032 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. INSURER(S) AFFORDING COVERAGE INSURER F : INSURER E : INSURER D : INSURER C : INSURER B : INSURER A : NAIC # NAME:CONTACT (A/C, No):FAX E-MAILADDRESS: PRODUCER (A/C, No, Ext):PHONE INSURED REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. OTHER: (Per accident) (Ea accident) $ $ N / A SUBR WVD ADDL INSD THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. $ $ $ $PROPERTY DAMAGE BODILY INJURY (Per accident) BODILY INJURY (Per person) COMBINED SINGLE LIMIT AUTOS ONLY AUTOSAUTOS ONLY NON-OWNED SCHEDULEDOWNED ANY AUTO AUTOMOBILE LIABILITY Y / N WORKERS COMPENSATION AND EMPLOYERS' LIABILITY OFFICER/MEMBER EXCLUDED? (Mandatory in NH) DESCRIPTION OF OPERATIONS below If yes, describe under ANY PROPRIETOR/PARTNER/EXECUTIVE $ $ $ E.L. DISEASE - POLICY LIMIT E.L. DISEASE - EA EMPLOYEE E.L. EACH ACCIDENT EROTH-STATUTEPER LIMITS(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)POLICY EFFPOLICY NUMBERTYPE OF INSURANCELTRINSR DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) EXCESS LIAB UMBRELLA LIAB $EACH OCCURRENCE $AGGREGATE $ OCCUR CLAIMS-MADE DED RETENTION $ $PRODUCTS - COMP/OP AGG $GENERAL AGGREGATE $PERSONAL & ADV INJURY $MED EXP (Any one person) $EACH OCCURRENCE DAMAGE TO RENTED $PREMISES (Ea occurrence) COMMERCIAL GENERAL LIABILITY CLAIMS-MADE OCCUR GEN'L AGGREGATE LIMIT APPLIES PER: POLICY PRO-JECT LOC CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) CANCELLATION AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. CERTIFICATE HOLDER The ACORD name and logo are registered marks of ACORD HIRED AUTOS ONLY TRAVELERSJw POLICY NUMBER: DT-CO-526D9518-COF-21 EFFECTIVE DATE: 11-01-21 ISSUE DATE: 10-28-21 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS. IL TO 02 11 89 COMMON POLICY DECLARATIONS IL T8 01 10 93 FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS IL TO 05 06 10 COMMON POLICY CONDITIONS-WASHINGTON IL TO 03 04 96 LOCATION SCHEDULE IL T3 02 07 86 CALCULATION OF PREMIUM -COMPOSITE RATE(S) IL F1 18 10 13 AMENDMENT OF NAMED INSURED - WASHINGTON GENERAL LIABILITY - CONTRACTORS CG TO 01 11 03 COML GENERAL LIABILITY COV PART DEC CG F3 07 11 08 DEDUCTIBLE LIAB INSURANCE - WASHINGTON CG TO 07 09 87 DECLARATIONS PREMIUM SCHEDULE CG TO 08 11 03 KEY TO DECLARATIONS PREMIUM SCHEDULE CG TO 34 02 19 TABLE OF CONTENTS - COM GEN LIAB COV CG T1 00 02 19 COMMERCIAL GENERAL LIABILITY COV FORM CG T8 00 GENERAL PURPOSE ENDORSEMENT CG T8 01 GENERAL PURPOSE ENDORSEMENT CG T8 02 GENERAL PURPOSE ENDORSEMENT CG T8 03 GENERAL PURPOSE ENDORSEMENT CG T8 04 GENERAL PURPOSE ENDORSEMENT CG T8 05 GENERAL PURPOSE ENDORSEMENT CG T8 06 GENERAL PURPOSE ENDORSEMENT CG T8 07 GENERAL PURPOSE ENDORSEMENT CG D2 70 01 10 ADD`L INS ENDS, ARCHITECTS, SURVEYORS CG D3 25 01 04 ADDITIONAL INSURED - MORTGAGEE,ASSIGNEE CG D3 fit 03 05 ADD`L INSURED-OWNERS,LESSEES,CONTRACTORS CG D3 73 11 05 ADD`L INSURED,OWNERS,LESSEES,CONTRACTORS CG 20 10 10 01 ADDL INSD-OWNER/LESSEE/CONTRACTOR B CG 20 37 07 04 ADD INSURED-OWNRS,LESSEES,CONT COMPL OPS GN 01 13 11 03 EMPLOYERS OVERHEAD LIABILITY CG D2 03 12 97 AMEND -NON CUMULATION OF EACH OCC CG D2 11 01 04 DESIGNATED PROJECT(S) GEN AGGR LIMIT CG D2 46 04 19 BLANKET AI-W/COMP OPS IF REQ BY CONTRACT CG D3 16 02 19 XTEND ENDORSEMENT FOR CONTRACTORS CG D8 23 02 19 ELECTRONIC DATA LIABILITY COVERAGE CG D2 93 11 03 EXCL-CONSTRUCT MANAGE ERRORS & OMISSIONS CG D3 22 10 20 EXCL-CLMS OR SUITS BY NAMED INSUREDS CG D5 46 10 11 EXCL - ARCHITECT/ENG/SURVEY PROF SERV CG D6 18 10 11 EXCL-VIOLATION OF CONSUMER FIN PROT LAWS CG 21 54 12 19 EXCL-DESIG OPS CVRD BY A CONTROLLED IP CG DO 75 05 93 EXCLUSION -LEAD CG D1 42 02 19 EXCLUSION -DISCRIMINATION CG D1 73 02 19 AMEND -POLL EXCL-INCL LTD COV POLL COST CG D2 04 12 17 EXCL-EXTERIOR INSULATION & FINISH SYSTEM CG D2 40 09 15 EXCLUSION -SILICA OR SILICA -RELATED DUST IL T8 01 10 93 PAGE: 1 OF 2 TRAVELERSJw POLICY NUMBER: DT-CO-526D9518-COF-21 EFFECTIVE DATE: 11-01-21 ISSUE DATE: 10-28-21 GENERAL LIABILITY - CONTRACTORS (CONTINUED) CG T4 81 11 88 EXC-HAZARD-CONNECTED DESIGNATED EXPOSURE CG F2 66 02 19 WA CHANGES EMPLOY RELATED PRACTICES EXCL CG F4 66 01 08 WASHINGTON CHANGES -WHO IS AN INSURED CG F2 41 05 02 WASHINGTON - FUNGI OR BACTERIA EXCLUSION CG TO 09 09 93 EMPLOYEE BENEFITS LIAB COV PART DEC CG TO 43 01 16 EMPLOYEE BENEFITS LIAB TABLE OF CONTENTS CG T1 01 01 16 EMPLOYEE BENEFITS LIABILITY COV FORM INTERLINE IL T3 68 01 21 FED TERRORISM RISK INS ACT DISCLOSURE IL T4 12 03 15 AMNDT COMMON POLICY COND-PROHIBITED COVG IL T4 14 01 21 CAP ON LOSSES FROM CERT ACTS OF TERRORIS IL 01 23 11 13 WASHINGTON CHANGES - DEFENSE COSTS IL 01 98 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION POLICYHOLDER NOTICES PN T1 94 12 21 IMPORTANT NOTICE - LEAD EXCLUSION IL T8 01 10 93 PAGE: 2 OF 2 POLICY NUMBER: 810-OL622021-21-26-G EFFECTIVE DATE: 11/01/2021 ISSUE DATE: 10/28/2021 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS IL TO 02 11 89 COMMON POLICY DECLARATIONS IL T8 01 01 01 FORMS ENDORSEMENTS AND SCHEDULE NUMBERS IL TO 05 06 10 COMMON POLICY CONDITIONS - WASHINGTON IL F1 18 10 13 AMENDMENT OF NAMED INSURED - WASHINGTON IL T3 02 07 86 CALCULATION OF PREMIUM - COMPOSITE RATES IL T8 25 CALCULATION OF PREMIUM - COMPOSITE RATES COMMERCIAL AUTO CA TO O1 02 15 BA- COVERAGE PART DECS (ITEMS 1 & 2) CA TO 03 02 15 BUS AUTO COV PART DECLARATIONS-4&5 CA T3 95 02 15 DEDUCTIBLE COVERAGE CA TO 30 02 16 BUSINESS AUTO/MC COV PART -UM SUPPL SCHD CA TO 31 02 15 TABLE OF CONTENTS -BUSINESS AUTO COV FORM CA 00 01 10 13 BUSINESS AUTO COVERAGE FORM CA O1 35 10 13 WASHINGTON CHNG CA 21 34 10 13 WASHINGTON UNDERINSURED MOTORISTS COVERAGE CA 99 03 10 13 AUTO MEDICAL PAYMENTS COVERAGE CA 99 10 10 13 DRIVE OTHER CAR COVERAGE - BROADENED COVERAGE FOR NAMED INDIVIDUALS CA 99 16 10 13 HIRED AUTOS SPECIFIED AS COVERED AUTOS YOU OWN CA T4 52 02 16 SHORT TERM HIRED AUTO - ADDITIONAL INSURED AND LOSS PAYEE CA T4 59 02 15 AMENDMENT OF EMPLOYEE DEFINITION CA T4 99 02 16 BLNKT ADDL INSD-PNC W/OTHR INS-CNTRCTR CA T3 53 02 15 BUSINESS AUTO EXTENSION ENDORSEMENT CA T8 02 11 21 BLKET ADDL INS PNC CA T8 03 11 21 CONTRACTORS DESIGNATED INSURED INTERLINE ENDORSEMENTS IL T4 12 03 15 AMNDT COMMON POLICY COND-PROHIBITED COVG IL O1 23 11 13 WASHINGTON CHANGES - DEFENSE COSTS IL O1 98 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (BROAD FORM) IL T8 01 01 01 PAGE: 1 OF 1 POLICYNUMBER: CIIP-4R705623-21-26 EFFECTIVE DATE: 11/01/2021 ISSUE DATE: 10/28/2021 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS IL T8 01 01 01 FORMS ENDORSEMENTS AND SCHEDULE NUMBERS UMBRELLA / EXCESS EII 00 02 09 20 POLICY DECLARATIONS EXCESS FOLLOW -FORM AND UMBRELLA LIABILITY INSURANCE POLICY EII 00 03 08 18 SCHEDULE OF UNDERLYING INSURANCE EII 00 01 07 16 EXCESS FOLLOW -FORM AND UMBRELLA LIABILITY INSURANCE EII 02 34 07 16 AMENDMENT OF COVERAGE - DEFINITIONS EII 03 22 08 18 CONSTRUCTION IDENTIFIED HAZARDS EXCLUSIONS - COVERAGE B EII 03 46 08 18 NON CUMULATION OF OCCURRENCE LIMIT EII 01 44 07 16 COVERAGE FOR FINANCIAL INTEREST IN FOREIGN INSURED ORGANIZATIONS EII 00 07 07 16 CAP LOSSES - CERT ACTS TERRORSM AND EXCL EII 02 09 08 18 NUCLEAR ENERGY LIABILITY EXCLUSION (BROAD FORM) - COVERAGES A AND B EII 02 16 04 20 POLLUTION NOT RELATED TO AUTOS EXCLUSION WITH LIMITED EXCEPTIONS - COVERAGE A EII 03 12 10 20 AIR LIAB EXCL-SERV FOR HIRE LTD EXCEPT EII 03 31 08 18 DISCRIMINATION EXCLUSION - COVERAGE B EII 03 38 08 18 FUNGI OR BACTERIA EXCLUSION - COVERAGE B - WASHINGTON EII 03 44 08 18 LEAD EXCLUSION - COVERAGE B EII 03 63 08 18 SILICA OR SILICA -RELATED DUST EXCLUSION - COVERAGE B EII 00 74 07 16 WASHINGTON CHANGES INTERLINE ENDORSEMENTS IL T3 68 01 21 FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE IL T8 01 01 01 PAGE: 1 OF 1 COMM RCI L G NERAL IAB L TYE A E L I I T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E BLANKET ADDITIONAL INSURED Thi e dorseme t m dfie i surance provded under he f l o ing:s n n o i s n i t o l w COMM RCI L G NERAL IAB LI Y COVERA E PARTE A E L I T G Any "bodily injury", "property dam ge" oa r "pe sonal injury arising out o the provdi g,r " f i nThe fol owing i added tol s or fa l re to provde, any pro e sionali u i f s: arch te tural engineer ng o surv yingi c , i r eAny person o o gan zat on that yo agree in ar r i i u se v ce , ncl ding:r i s i uwrit en con ract or agreem nt to in lude a ant t e c s addi ional i sured o thi Cov rage Part i at n n s e s n The preparin , approvng, or fa li g tog i i n i sured, ut onlyn b :prepa e or approv , ma s, shopr e p drawi gs, opin on , reports, surv y ,n i s e sWi h re pe t to l abiity fo "bodily injury ot s c i l r " r fi l orders or change orders, or theed"prope ty dam ge that o curs, or fo "perso alr a " c r n prepa i g, approvng, or fa l n tor n i i i gi ju y ca sed by an o fe se that is commttedn r " u f n i , prepa e or app ov , drawings andr r esubsequent to the signing of that contract or ag ee ent and while tha pa t o the contra t or m t r f c r spe i i a io s; andc f c t n ag ee ent s in e fe t; andr m i f c Su ervso y, in pe t on, archi ect ral op i r s c i t u rIf a d only to the ex ent that such injury o, n t , r engineerin a t v t e .g c i i i sdama e is ca sed by a ts o omssio s o yo og u c r i n f u r Any "bodi y inju y or "prope ty dam gel r " r a "y ur subco tra tor in the perfo m nce o "y uo n c r a f o r caused by "y ur work an in luded in theo " d cwork to which the wri ten cont a t or agreemen" t r c t "produ ts-com leted o erat on hazardc p p i s "appl e . Such person or organiza ion doe noi s t s t un ess the wri ten cont a t o ag ee entl t r c r r mqualfy a an ad itional in ured with re pect toi s d s s the independent a t o omssions o such spe i i a ly requi esc s r i f c f c l r y u to provde sucho i pe son or organizationr .cov rage fo that addi ional in ured durine r t s g the oli y pe iod.p c rThe i surance provded to such ad it onal insured isn i d i subje t o he olo ing p ovsions:c t t f l w r i The ad itional insured m st com ly with thed u p If the Limt o In uran e o thi Cov rage Part fo lowi g dutiei s f s c f s e l n s: shown in the De laratio s ex eed the m nim mc n c i u Giv us wri ten no i e as soon a pra tica lee t t c s c bl mt requi ed by the written co tra t oi i s r n c r o an "o cur en e o an o fe se whi h m yf c r c " r f n c aag ee ent, the i surance provded to ther m n i re ult i a clai . To t e ex en possible suchs n m h t t ,addi ional insured wil be limted to sucht l i no ice should in l de:t c um nim m required limts. Fo the purpo e oi u i r s s f de ermnin whether thi limtatio applie , thet i g s i n s How, when an where the "o cur en ed c r c "m nim m im t requi ed by the wri ten co tra t oi u l i s r t n c r or o fe se too pla e;f n k cag ee ent will be co sidered to include ther m n The nam s and addre se o any inj rede s s f um nim m limts o any Umb el a o Ex essi u i f r l r c pe sons an witne se ; andr d s sl ab lty cov rage requi ed fo the addi ionali i i e r r t i sured by that writ en cont a t o agreem nt.n t r c r e The nature and lo ation o any inj ry oc f u rThi provsion will not increa e the lim t os i s i s f dama e ari ing out o the "o cur en eg s f c r c "i suran e de cribed in Se tion c s c n Limt Ofi s or o fe se.f nIn urance.s If a cla m is ma e or "sui " i brought agai sti d t s nThe insurance provded to such addi ionali t the ad it onal nsuredd i i :i sured does not ap ly o:n p t Pa e 1 o 2g f COMM RCI L G NERAL IAB LITYE A E L I Im e ia ely re ord the spe i i s o them d t c c f c f Te der the de ense and i dem i y o anyn f n n t f cla m or "suit an the date re eiv d; and cla m or "sui " to any provderi " d c e i t i o othef r i suran e which woul cov r such addi ionaln c d e tNo i y us a soo a practi able and seet f s n s c i sured fo a lo s we cov r. Howev r, thisn r s e eto it that we re eiv wri ten noti e o thec e t c f condi ion doe not a f ct whethe thet s f e rcla m or "suit a soon a pra ti ablei " s s c c .i suran e provded to such addi io aln c i t nIm e ia ely send us cop es o all legalm d t i f i sured i prima y to ot er insurancen s r hpape s receiv d in conne t on with the clair e c i m av ila le to such addi ional insured whi ha b t cor "sui ", coopera e wit us in thet t h cov r that person or organi ation a ae s z si v stigat on o se tlem nt o the claim on e i r t e f r name i sured a de cribed i Paragraphd n s s n ,de e se against the "sui ", and o herwisef n t t Ot e In uran e o Se tionh r s c , f c Com e cialm rcom ly wit all polcy o ditio s.p h i c n n Ge eral Liabilty ondit on .n i C i s Pa e 2 o 2g f COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT- POLLUTION EXCLUSION - INCLUDING LIMITED OVERAGE FOR POLLUTION COSTS - CONTRACTORS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART I=01TlL*41Z6' 1. The following replaces Paragraph 1.a.(2) of SECTION I - COVERAGES - COVERAGE A - BODILY INJURY AND PROPERTY DAMAGE LIABILITY and of SECTION I - COVERAGES - COVERAGE B - PERSONAL AND ADVERTISING INJURY LIABILITY: (2) our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B, medical expenses under Coverage C or "limited covered pollution costs" under Coverage D. 2. The following replaces Paragraph (1) of Exclusion f., Pollution, in Paragraph 2. of SECTION I - COVERAGES - COVERAGE A - BODILY INJURY AND PROPERTY DAMAGE LIABILITY: (1) "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (a) At or from any premises, site or location which is or was at any time owned, occupied or managed by, or rented or loaned to, any insured. However, this subparagraph does not apply to: (i) "Bodily injury" if sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment that is used to heat, cool or dehumidify the building, or produced by or originating from equipment that is used to heat water for personal use by the building's occupants or their guests; "Bodily injury" or "property damage" for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises, site or location and such premises, site or location is not and never was owned, occupied or managed by, or rented or loaned to, any insured, other than that additional insured; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire' (b) At or from any premises, site or location which is or was at any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of waste; (c) If such "pollutants" are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by or for (i) Any insured; or (ii) Any person or organization for whom you may be legally responsible; (d) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly an any insured's behalf are or were at any time performing operations to test for, monitor, dean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants'; or (e) If any of such discharge, dispersal, seepage, migration, release or escape of "pollutants" resulted in "bodily injury" or "property damage" that occurred, in whole or in part, prior to the policy period. Any continuation, change or resumption of such "bodily injury" or "property damage" during or after the policy period will be deemed to have occurred prior to CG D1 73 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 5 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY the policy period. However, this subparagraph does not apply to "bodily injury" or "property damage" included in the "products -completed operations hazard". Paragraphs (1)(a), (b) and (c) of this exclusion do not apply to "bodily injury" or "property damage" arising only out of the discharge, release or escape of any "pollutant" if such discharge, release or escape: (1) Is either: (a) At or from any premises, site or location (other than at or from an "underground tank") which is owned, occupied or managed by, or rented or loaned to, you during the policy period; or (b) From a pipe containing sewage; (2) Commences abruptly during the policy period and after the effective date of the Amendment - Pollution Exclusion - Including Limited Coverage For Pollution Costs -Contractors endorsement; (3) Ends within seven consecutive days after its abrupt commencement; (4) Becomes known to an insured listed under Paragraph 1. of Section II - Who Is An Insured, or to an "employee" authorized by you to give or receive notice of any "occurrence" or claim, and is reported to us, within 30 days after its abrupt commencement; and (5) Does not arise out of any intentional violation of any governmental law, regulation or rule by you or anyone acting on your behalf. All "bodily injury" or "property damage" described in this exception will be deemed to occur at the time such discharge, release or escape abruptly commences. 3. The following replaces Paragraph (2) of Exclusion f., Pollution, in Paragraph 2. of SECTION I - COVERAGES - COVERAGE A - BODILY INJURY AND PROPERTY DAMAGE LIABILITY: (2) "Pollution costs". 4. The following replaces Exclusion n., Pollution - Related, in Paragraph 2. of SECTION I - COVERAGES - COVERAGE B - PERSONAL AND ADVERTISING INJURY LIABILITY: n. Pollution Costs "Pollution costs". 5. The following is added to SECTION I - COVERAGES: COVERAGE D - LIMITED COVERAGE FOR POLLUTION COSTS 1. Insuring Agreement a. We will pay those sums that you become legally obligated to pay as "limited covered pollution costs" to which this insurance applies. We will have the right and duty to defend you against any "suit' seeking those "limited covered pollution costs". However, we will have no duty to defend you against any "suit" seeking "limited covered pollution costs" to which this insurance does not apply. We may at our discretion investigate any discharge, release or escape of "pollutants" and settle any claim or "suit" that may result. But: (1) The amount we will pay for "limited covered pollution costs" will be included within, and not in addition to, the limits of insurance that apply to Coverage A; and (2) Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages or B, medical expenses under Coverage C or "limited covered pollution costs" under Coverage D. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. b. This insurance applies to "limited covered pollution costs" only if the "pollutants" for which the "limited covered pollution costs" are incurred also cause "bodily injury" or "property damage" covered under Coverage A that: (1) Arises out of a dispersal, seepage, migration, release or escape of "pollutants" at or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the "pollutants" are brought an or to the premises, site or Page 2 of 5 Q 2017 The Travelers Indemnity Company. All rights reserved. CG DI 73 02 19 Includes copyrighted material of Insurance Services office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY location in connection with such operations by such insured, contractor or subcontractor; or (2) Is within the exception to exclusion f. of Coverage A that requires the discharge, release or escape of "pollutants" to: (a) Be either: (i) At or from any premises, site or location (other than at or from an "underground tank") which is owned, occupied or managed by, or rented or loaned to, you during the policy period; or (ii) From a pipe containing sewage; (b) Commence abruptly during the policy period and after the effective date of the Amendment - Pollution Exclusion - Including Limited Coverage For Pollution Costs - Contractors endorsement; (c) End within seven consecutive days after its abrupt commencement; (d) Become known to an insured listed under Paragraph 1. of Section II -Who Is An Insured, or to an "employee" authorized by you to give or receive notice of any "occurrence" or claim, and be reported to us, within 30 days after its abrupt commencement; and (e) Not arise out of any intentional violation of any governmental law, regulation or rule by you or anyone acting on your behalf. 2. Exclusion This insurance does not apply to "limited covered pollution costs" which you are obligated to pay by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability that you would have to pay "limited covered pollution costs" in the absence of the contract or agreement. 6. The following is added to SECTION II - WHO IS AN INSURED: Paragraph 3. is the only part of this section that applies to Section I - Coverage D. For the purposes of Coverage D, similar coverage as used in Paragraph 3. of this section includes any pollution liability coverage. 7. The following is added to SECTION III - LIMITS OF INSURANCE: For the purposes of any aggregate limit and the Each Occurrence Limit, "limited covered pollution costs" under Coverage D will be deemed to be damages because of "property damage" under Coverage A. 8. The following is added to Paragraph 3., Legal Action Against Us, of SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS: With respect to "limited covered pollution costs", no person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for "limited covered pollution casts" from you; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. With respect to "limited covered pollution costs", a person or organization may sue us to recover on an agreed settlement or on a final judgment against you, but we will not be liable for "limited covered pollution costs" that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. As used in this provision, an agreed settlement means a settlement and release of liability signed by us, by you and by the claimant or the claimant's legal representative. 9. The following is added to Paragraph 4., Other Insurance, of SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS: If valid and collectible other insurance is available to you for a loss we cover under Coverage D of this Coverage Part, this insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis. We will have no duty under Coverage ❑ to defend you against any "suit" if any other insurer has a duty to defend you against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to your rights against all those other insurers. CG D'I 73 02 19 ® 2017 The Travelers Indemnity Company. Al rights reserved. Page 3 of 5 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY We will pay only our share of the amount of the loss, if any, that exceeds the sum of: (1) The total amount that all such other insurance would pay for the loss in the absence of this insurance: and (2) The total of all deductible and self -insured amounts under all such other insurance. 10. The following is added to Paragraph 8., Transfer Of Rights Of Recovery Against Others To Us, of SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS: With respect to "limited covered pollution costs", if you have agreed in a contract or agreement to waive your rights of recovery against any person or organization, we waive our right of recovery against such person or organization, but only for payments we make because of "limited covered Pollution Costs" incurred for a discharge, release or escape of "pollutants" that commences abruptly after the execution of the contract or agreement. 11. The following replaces the definition of "suit" in the DEFINITIONS Section: "Suit" means a civil proceeding in which damages because of "bodily injury" "property damage", "personal injury" or "advertising injury" to which this insurance applies, or in which "limited covered pollution costs" to which this insurance applies, are alleged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent; c. An arbitration proceeding in which such "limited covered pollution costs" are claimed and to which you must submit or d❑ submit with our consent; and d. Any other alternative dispute resolution proceeding in which such "limited covered pollution costs" are claimed and to which you submit with our consent. 12. The following is added to the DEFINITIONS Section: "Limited covered pollution costs": a. Means any cost or expense to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or assess the effects of, "po I lutants". b_ Does not include: (1) Any punitive or exemplary damages or the portion of any multiplied damage award that exceeds the amount multiplied; (2) Any statutory or administrative fine or penalty; (3) Any salary of, or benefit for, any of your "employees", any of your partners or members (if you are a partnership or joint venture), any of your managers (if you are a limited liability company), any of your trustees (if you are a trust), or any of your "executive officers" or directors (if you are an organization other than a partnership, joint venture, limited liability company ortrust); (4) Any cost or expensefor: (a) The repair, replacement, enhancement, restoration or maintenance of any premises, site or location which is or was at any time owned, occupied or managed by, or rented or loaned to, you; or (b) The prevention of injury to a person or damage to another's property; (5) Any cost or expense to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or assess the effects of, "pollutants", if such work or operations began while such "pollutants" are or were; (a) At any premises, site or location which is or was at any time owned, occupied or managed by, or rented or loaned to, you; or (b) On or in personal property in your care, custody or control; or (c) At that particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it; or (6) Any cost or expense to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or assess the effects of, "pollutants" on or in any of your "employees", after the actual, alleged or threatened absorption, ingestion or inhalation of such "pollutants" by any of Page 4 of 5 Q 2017 The Travelers Indemnity Company. All rights reserved. CG D1 73 02 19 Includes copyrighted material of Insurance Services office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY your "employees" arising out of and in the course of: (a) Employment by you; or (b) Performing duties related to the conduct of your business. "Pollution costs" means any loss, cost or expense arising out of any: a. Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of, "pollutants"; or b. Claim or suit by or on behalf of any governmental authority or any other person or organization because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". "Underground tank" means any one or combination of tanks (including any connected pipe or pump), the volume of which (including the volume of all connected underground pipes or pumps) is 10% or more: a. Beneath the surface cf the ground outside of a building or structure; b. Beneath the lowest basement floor of a building or structure; c. Otherwise covered with earthen materials; or d. Beneath the surface of the water. Underground pipes or pumps means all underground piping or pumps, including valves, elbows, joints, flanges and flexible connectors attached to any one or a combination of tanks. However, "underground tank" does not include the part cf any tank (including the part of any connected pipe or pump) containing sewage. CG ❑1 73 OZ 19 @ 2017 The Travelers Indemnity Company. All rights reserved. Page 5 of 5 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY DESIGNATED PROJECT(S) GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Project Designated Project(s): General Aggregate(s): EACH "PROJECT" FOR WHICH YOU HAVE AGREED, GENERAL AGGREGATE IN A WRITTEN CONTRACT WHICH IS IN EFFECT LIMIT SHOWN ON THE DURING THIS POLICY PERIOD, TO PROVIDE A DECLARATIONS. SEPARATE---GENERAL-AGGREGATE LIMIT, PROVIDED THAT THE CONTRACT IS SIGNED AND EXECUTED BY YOU BEFORE THE "BODILY INJURY" OR "PROPERTY DAMAGE" OCCURS, A. For all sums which the insured becomes legally obligated to pay as damages caused by `occur- rences" under COVERAGE A. (SECTION 1), and _for all medical expenses -caused -by accidents -un- der COVERAGE C (SECTION I), which can be attributed only to operations at a single desig- nated "project" shown in the Schedule above: 1. A separate Designated Project General Ag- gregate Limit applies to each designated "pro- ject", and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations; -unless separate Designated Project General Aggregate(s) are sched- uled above. 2. The Designated Project General Aggregate Limit is the most we will pay for the sum of all damages under COVERAGE A., except damages because of "bodily injury" or "prop- erly damage" included in the "products - completed operations hazard", and for medi- cal expenses under COVERAGE C, regard- less of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 3. Any payments made under COVERAGE A. for damages or under COVERAGE C. for medical expenses shall reduce the Desig- nated_- Project_ General--Aggregate--Limit-Tar that designated "project". Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they re- duce any other Designated Project General Aggregate Limit for any other designated "project" shown in the Schedule above. 4. The limits shown in the Declarations for Each Occurrence, Damage To-Prerttises-(tented To You and Medical Expense continue to apply. However, instead of being subject to the General Aggregate Limit shown in the Declarations, such limits will be subject to the applicable Designated Project General Ag- gregate Limit. B. For all sums which the insured becomes legally obligated to pay as damages caused by "occur- rences" under COVERAGE A. (SECTION 1), and for all medical expenses caused by accidents un- der COVERAGE C. (SECTION 1), which cannot be attributed only to operations at a single desig- nated "project" shown in the Schedule above: CG D2 11 01 04 Copyright, The Travelers Indemnity Company, 2004 Page 1 of 2 COMMERCIAL GENERAL LIABILITY 1. Any payments made under COVERAGE A. for damages or under COVERAGE C. for medical expenses shall reduce the amount available under the General Aggregate Limit or the Products -Completed Operations Ag- gregate Limit, whichever is applicable; and 2. Such payments shall not reduce any Desig- nated Project General Aggregate Limit. C. Part 2. of SECTION III - LIMITS OF INSURANCE is deleted and replaced by the following: 2. The General Aggregate Limit is the most we will pay for the sum of: a. Damages under Coverage B; and b. Damages from 'occurrences" under COVERAGE A (SECTION 1) and for all medical expenses caused by accidents under COVERAGE C (SECTION 1) which cannot be attributed only to operations at a single designated "project` shown in the SCHEDULE above. D. When coverage for liability arising out of the "products -completed operations hazard" is pro- vided, any payments for damages because of "bodily injury" or "property damage" included in the "products -completed operations hazard" will reduce the Products -Completed Operations Ag- gregate Limit, and not reduce the General Aggre- gate Limit nor the Designated Project General Aggregate Limit. E. For the purposes of this endorsement the Defini- tions Section is amended by the addition of the following definition: "Project" means an area away from premises owned by or rented to you at which you are per- forming operations pursuant to a contract or agreement. For the purposes of determining the applicable aggregate limit of insurance, each "project" that includes premises involving the same or connecting lots, or premises whose con- nection is interrupted only by a street, roadway; waterway or right-of-way of a railroad shall be considered a single "project". F. The provisions_ _ofSEC TION_III — LIMITS OF INSURANCE not otherwise modified by this en- dorsement shall continue to apply as stipulated. Page 2 of 2 Copyright, The Travelers Indemnity Company, 2004 CG D2 11 01 04 014618 UMBRELLA EXCESS FOLLOW -FORM AND UMBRELLA LIABILITY INSURANCE THIS POLICY, IN PART, PROVIDES FOLLOW -FORM LIABILITY COVERAGE. COVERAGE WILL APPLY ON A CLAIMS -MADE BASIS WHEN FOLLOWING CLAIMS -MADE UNDERLYING INSURANCE. COVERAGE WILL APPLY ON A DEFENSE -WITHIN -LIMITS BASIS WHEN FOLLOWING UNDERLYING INSURANCE UNDER WHICH DEFENSE EXPENSES ARE PAYABLE WITHIN, AND NOT IN ADDITION TO, THE LIMITS OF INSURANCE. WHEN FOLLOWING SUCH UNDERLYING INSURANCE, PAYMENT OF DEFENSE EXPENSES UNDER THIS POLICY WILL REDUCE, AND MAY EXHAUST, THE LIMITS OF INSURANCE OF THIS POLICY. Various provisions in this policy restrict coverage_ Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy, the words "you" and "your" refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance. The word "insured" means any person or organization qualifying as such under SECTION II — WHO IS AN INSURED. Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION VI — DEFINITIONS. SECTION I — COVERAGES A. COVERAGE A — EXCESS FOLLOW -FORM LIABILITY 1. We will pay on behalf of the insured those sums, in excess of the. "applicable underlying limit", that the insured becomes legally obligated to pay as damages to which Coverage A of this insurance applies, provided that the "underlying insurance" would apply to such damages but for the exhaustion of its applicable limits of insurance. If a sublimit is specified in any "underlying insurance", Coverage A of this insurance applies to damages that are in excess of that sublimit only if such sublimit is shown for that "underlying insurance" in the Schedule Of Underlying Insurance. 2. Coverage A of this insurance is subject to the same terms, conditions, agreements, exclusions and definitions as the "underlying insurance", except with respect to any provisions to the contrary contained in this insurance. 3. The amount we will pay for damages is limited as described in SECTION III — LIMITS OF INSURANCE, 4. For the purposes of Paragraph 1. above: a. The applicable limit of insurance stated for the policies of "underlying insurance" in the Schedule Of Underlying Insurance will be considered to be reduced or exhausted only by the following payments: (1) Payments of judgments or settlements for damages that are covered by that "underlying insurance". However, if such "underlying insurance" has a policy period which differs from the policy period of this Excess Follow -Form And Umbrella Liability Insurance, any such payments for damages that would not be covered by this Excess EU 00 01 07 16 Q 2016 The Travelers Indemnity Company. All rights reserver- Page 1 of 22 UMBRELLA T. WAIVER OR TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US 1. If the insured has rights to recover all or part of any payment we have made under this insurance, those rights are transferred to us and the insured must do nothing after loss to impair them. At our request, the insured will bring suit or transfer those rights to us and help us, and with respect to Coverage A, the "underlying insurer", enforce them. If the insured has agreed in a contract or agreement to waive that insured's right of recovery against any person or organization, we waive our right of recovery against that person or organization, but only for payments we make because of an "event" that takes place or is committed subsequent to the execution of that contract or agreement by such insured. 2. Reimbursement of any amount recovered will be made in the following order: a. First, to any person or organization (including us or the insured) who has paid any amount in excess of the applicable limit of insurance; b. Next, to us; and c. Then, to any person or organization (including the insured and with respect to Coverage A, the "underlying insurer") that is entitled to claim the remainder, if any, 3. Expenses incurred in the process of recovery will be divided among all persons or organizations receiving amounts recovered according to the ratio of their respective recoveries. U. TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS INSURANCE 1. Your rights and duties under this insurance may not be transferred without our written consent except in the case of death of an individual Named Insured. 2. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. V. UNINTENTIONAL OMISSION OR ERROR The unintentional omission of, or unintentional error in, any information provided by you which we relied upon in issuing this policy will not prejudice your rights under this insurance. However, this provision does not affect our right to collect additional premium or to exercise our rights of cancellation or nonrenewal in accordance with applicable insurance laws or regulations. W. WHEN LOSS IS PAYABLE If we are liable under this insurance, we will pay for injury, damage or loss after: 1. The insured's liability is established by: a. A court decision; or b. A written agreement between the claimant, the insured, any "underlying insurer" and us; and 2. The amount of the "applicable underlying limit" or "self -insured retention" is paid by or on behalf of the insured. SECTION VI — DEFINITIONS A. With respect to all coverages of this insurance: 1. "Applicable underlying limit" means the sum of: a. The applicable limit of insurance stated for the policies of "underlying insurance" in the Schedule Of Underlying Insurance subject to the provisions in Paragraphs 4.a.(1), (2) and (3) of COVERAGE A — EXCESS FOLLOW -FORM LIABILITY of SECTION I — COVERAGES; and b. The applicable limit of insurance of any "other insurance" that applies. The limits of insurance in any policy of "underlying insurance" will apply even if: a. The "underlying insurer" claims the insured failed to comply with any term or condition of the policy; or b. The "underlying insurer" becomes bankrupt or insolvent. 2. "Auto hazard" means all "bodily injury" and "property damage" to which liability insurance afforded under an auto policy of "underlying insurance" would apply but for the exhaustion of its applicable limits of insurance. 3. "Electronic data" means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. 4. "Event" means an "occurrence", offense, accident, act, error, omission, wrongful act or loss. Page 16 of 22 © 2016 The Travelers Indemnity Company. All rights reserved. EU 00 01 07 16 COMM RCI L G NERAL IAB LI YE A E L I T T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E XTEND ENDORSEMENT FOR CONTRACTORS Thi e dorseme t m dfie i surance provded under he f l o ing:s n n o i s n i t o l w COMM RCI L G NERAL IAB LI Y COVERAG PA TE A E L I T E R Thi endorsem nt broadens cov rage. Howev r cov rage fo anys e e e , e r i ju y, dama e o me i al ex ense descri ed in any o the provn r g r d c p s b f i ion o ths e dorseme t may bs s f i n n e ex luded orc l mted by anothe endorsem n to this Cov rage Pa t, and the e ci i r e t e r s ov rage broadening provsions do no ap ly toe i t p the ex en tha cov rage is ex l ded or limted by such an ent t t e c u i dorsem n . The fo lo ing li ti g i a ge t l w s n s eneral cov rage de cript on only Read al the provsions o thi endorse s i . l i f s em nt and the re t o y ur pol cy ca e ulle s f o i r f y to de ermne r gh s, dut es, and wha i and s not cov red.t i i t i t s i e Wh I An Insured Unnam d Subsid arieo s e i s In i ental Medcal Mal racti ec d i p c Bla ket Addit onal Insured Gov rnme taln i e n Bla ket Wa v r f Sub ogationn i e O r En it e Pe m t Or Au ho iza ions Re ati g Tot i s r i s t r t l n Co tra tua Liab l ty Rai roadn c l i i l sOpe atio sr n Da a e To Premse Ren ed o Youm g i s t T An o ganizat on o he than a pa tnership, jo ntr i t r r i v nture or l m ted liab l ty company; ore i i i i A rust;t The fol owing is ad ed tol d a indi a ed in i s nam o the docum n s thas c t t e r e t t :gov rn it stru ture.e s c Any o yo r sub idiar e , o her than a pa tnershi ,f u s i s t r p jo n v nture o limted liabilty com any, that ii t e r i i p s no shown as a Nam d Insured in thet e De la ation i a am d In ured f:c r s s N e s i The fol owing is ad ed tol dYo are the so e owner o , o ma ntai anu l f r i n :ownership intere t o mo e than 50% in, suchs f r Any gov r men al enti y tha ha issued a permte n t t t s isubsidia y on the fi st day o the polcy perio ;r r f i d or authoriza ion wit re pe t to ope ationst h s c rand pe fo med by yo or on your behal and that your r u fSu h subsidiary i not an in ured undec s s r are required by any o dinance, law, buil ing coder dsi ila o her n urance.m r t i s or written cont act or agreeme t to incl de a anr n u s No such subsidiary i a insured fo "bodily inju ys n r r "addi ional i sured on thi Cov rage Pa t is at n s e r n or "property dama e" tha o curred, o "perso al i sured, but only wi h re pg t c r n n t s e t to liabii y fo "bodilyc l t r i ju y", "prope ty dam ge" or "perso al andn r r a nand a v rt sing i ju y" caused by an o fe sed e i n r f n adv rti ing inj ry" ari ing ou o uch operatio s.e s u s t f s ncom i ted:mt The in uran e provded to such gov r men als c i e n tBe o e you ma ntai ed an ownership intere tf r i n s en ity doe not apply o:t s to mo e than 50% i such ub idiary; orf r n s s Any "bodi y inju y , "property dama e ol r " g " rAf e the date, i any duri g the poli y periot r f , n c d "pe sonal and adv rti ing injury" a i ing o t or e s rs u fthat yo no longer ma ntain a ownershiu i n p operatio s perfo m d fo the gov r men aln r e r e n ti tere t o ore han 50% n such subsi ia y.n s f m t i d r en ity ort ;Fo purpose o Pa agraphr s f r o Se tionf c Who Any "bodily inj ry or "property dam geu " a "Is An Insured, ea h such subsidiary wil bec l i clu ed in the "products-co ple edn d m tdeem d to e de ignated in the Declarat on a :e b s i s s operatio s hazard".n Pa e 1 o 3g f COMM RCI L G NERAL IAB LI YE A E L I T pharma eutcal co m t ed by o wi h thec i s m i t , r t k owledge o co sent o , the n uredn r n f i s .The fo lo i g repla e Pa agraphl w n c s r o thef de i i ion o "o cur en e in thef n t f c r c "The fol owing i a ded to thel s d Se tion:c Se tio :c n An a t o omssio com i ted i provdinc r i n mt n i g "In i ental m dcal se v ce " m a s:c d e i r i s e nor fa l ng to provde "incidental me icai i i d l Medcal surgi al dental laborato y, x rayi , c , , r -se v ce ", fi st a d o "Good Sam rtanr i s r i r a i or nur ing se vce or treatm n , advce os r i e t i rse v ce " to a person, unle s yo are ir i s s u n i struction o the related fur i hi g on , r n s n fthe busine s or o cupat on o provdins c i f i g fo d or bev rages; oro epro e sional heath a e se vce .f s l c r r i s The furni hing o di pensing o dru s os r s f g rThe fo lowi g rep a es the la t paragraph ol n l c s f m dcal dental o surgi al supplie oe i , , r c s rPa ag aphr r of appl a ce .i n s: The fol o ing i added to Parag aphl w s r ,Unle s yo a e in the business or o cupatios u r c n , ofo provdi g pro e sional healt ca e se v ce ,f i n f s h r r i s Pa ag aphsr r ,,and abov doe not apply to :"bodily injury" arising out of provdin o aiing o rov de:i g r f l t p i Thi i surance i ex e s ov r any v li ans n s c s e a d d "In i ental me ica se v ce " by any oc d d l r i s f col e ti le othe in urance whether prim ry,l c b r s , a y ur "em loyee " who is a nu se, nurseo p s r ex e s, conti gent o on any other ba is, thatc s n r s a sistant, em rgen y me i al techni ias e c d c c n i av ilab e to any o your "em loy es" fos a l f p e ror arame ic; orp d "bo ily injury that ari e ou o provding od " s s t f i r fa l n to provde "i cidental medi al servce "i i g i n c i sFrst ai or "Good Sama itan se v ce " byi d r r i s a y o y u "em loyee " o " to any perso to the ex ent notn f o r p s r n t subje t tocv lunteero Pa ag aphr r o Se t onf c i Who Is Anworkers", other than an employed or v lunteer do tor. Any such "em loyee "o c p s In ured.s or "v lu teer wo kers" provding o fa l ngo n r i r i i to provde fi st aid or "Good Sama i ani r r t The fo lowing is a ded to Paragraphl d ,se v ce " during thei work hou s fo your i s r r r ,wil be deem d to be a t ng wi hin thel e c i t ofsco e o thei em loym nt by yo op f r p e u r pe fo m n dutie rela ed to the co du tr r i g s t n c : o yo r busine s.f u s If the insured has a ree in a cont act og d r r The fo lo i g repla e the la t se tence ol w n c s s n f ag ee ent to waiv that i sured' righ or m e n s t f Pa ag aphr r of re ov ry against any person o o gan zat on, wec e r r i i :waiv our right o e ov ry again t uch pe son oe f r c e s s r r organi ation, but only fo pay ents we ma ez r m kFo the purpo e o dete m nin ther s s f r i g be ause o :c fapplcable Ea h Occurrence Limt, al relatedi c i l a t or omssions com i ted i provdi g oc s i mt n i n r "Bo ily i ju y" o "property dam ge" thatd n r r afa l n to prov de "inci ental me icai i g i d d l o curs; oc rse v ce ", fi st a d o "Good Sam rtanr i s r i r a i "Pe so al and adv rti ing inj ry" ca sed byr n e s u use v ce " to any one perso wil be deeme tor i s n l d an o fe se hat i com it edf n t s m t ;be one "o currence".c The fo lowi g ex lu ion i added to subsequent to the ex cution o thel n c s s e f cont a t or c r Pa ag aphr r ,, of ag ee ent.r m :The fol o ing repla e Pa agraphl w c s r o thef de i i ion o "insured cont act" i thef n t f r n Se tion:c"Bo ily inju y or "property dama e" ari ingd r " g s ou o the v ola ion o a penal stat te ot f i t f u r Any ea em nt or l cense agreem nt;s e i e ordi ance rela i g to the sale on t n f Pa e 2 o 3g f COMM RCI L G NERAL IAB LITYE A E L I Pa ag aphr r o the de init o o "i suredf f i n f n Any premse whi e rented to yo oi s l u r cont a t i ther c " n Se tion is tem ora i y o cupied by you wi h pe m ssionc p r l c t r i de eted. o he owne ; orl f t r The co tent o any premi e whi e suchn s f s s l premse i rented to yo , i y u rent suchi s s u f oThe fol owing repla e the de i ition o "premsel c s f n f i s premse fo a period o sev n or fewei s r f e rdama e in heg " t Se tionc :conse utiv day .c e s"Pre i e dama e m a s "property dama e" to:m s s g " e n g Pa e 3 o 3g f COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM GENERAL DESCRIPTION OF COVERAGE — This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to the Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general cover- age description only. Limitations and exclusions may apply to these coverages. Read all the provisions of this en- dorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered. A. BROAD FORM NAMED INSURED B. BLANKET ADDITIONAL INSURED C. EMPLOYEE HIRED AUTO D. EMPLOYEES AS INSURED E. SUPPLEMENTARY PAYMENTS — INCREASED LIMITS F. HIRED AUTO — LIMITED WORLDWIDE COV- ERAGE — INDEMNITY BASIS G. WAIVER OF DEDUCTIBLE — GLASS PROVISIONS A. BROAD FORM NAMED INSURED The following is added to Paragraph A.1., Who Is An Insured, of SECTION II — COVERED AUTOS LIABILITY COVERAGE: Any organization you newly acquire or form dur- ing the policy period over which you maintain 50% or more ownership interest and that is not separately insured for Business Auto Coverage. Coverage under this provision is afforded only un- til the 180th day after you acquire or form the or- ganization or the end of the policy period, which- ever is earlier, B. BLANKET ADDITIONAL INSURED The following is added to Paragraph c. in A.1., Who Is An Insured, of SECTION II — COVERED AUTOS LIABILITY COVERAGE: Any person or organization who is required under a written contract or agreement between you and that person or organization, that is signed and executed by you before the "bodily injury" or "property damage" occurs and that is in effect during the policy period, to be named as an addi- tional insured is an "insured" for Covered Autos Liability Coverage, but only for damages to which H. HIRED AUTO PHYSICAL DAMAGE — LOSS OF USE — INCREASED LIMIT I. PHYSICAL DAMAGE — TRANSPORTATION EXPENSES — INCREASED LIMIT J. PERSONAL PROPERTY K. AIRBAGS L. NOTICE AND KNOWLEDGE OF ACCIDENT OR LOSS M. BLANKET WAIVER OF SUBROGATION N. UNINTENTIONAL ERRORS OR OMISSIONS this insurance applies and only to the extent that person or organization qualifies as an "insured" under the Who Is An Insured provision contained in Section It. C. EMPLOYEE HIRED AUTO 1. The following is added to Paragraph A.1., Who Is An Insured, of SECTION II — COV- ERED AUTOS LIABILITY COVERAGE: An "employee" of yours is an "insured" while operating an "auto" hired or rented under a contract or agreement in an "employee's" name, with your permission, while performing duties related to the conduct of your busi- ness. 2. The following replaces Paragraph b. in B.S., Other Insurance, of SECTION IV — BUSI- NESS AUTO CONDITIONS: b. For Hired Auto Physical Damage Cover- age, the following are deemed to be cov- ered "autos" you own: (1) Any covered "auto" you lease, hire, rent or borrow; and (2) Any covered "auto" hired or rented by your "employee" under a contract in an "employee's" name, with your CA T3 53 0215 © 2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 4 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL AUTO permission, while performing duties (a) With respect to any claim made or "suit" related to the conduct of your busi- brought outside the United States of ness. America, the territories and possessions However, any "auto" that is leased, hired, of the United States of America, Puerto rented or borrowed with a driver is not a Rico and Canada: covered "auto". (i) You must arrange to defend the "in- D. EMPLOYEES AS INSURED sured" against, and investigate or set- The following is added to Paragraph A.1., Who Is tle any such claim or ""suit" and keep An Insured, of SECTION II —COVERED AUTOS us advised of all proceedings and as LIABILITY COVERAGE: tions. Any "employee" of yours is an "insured" while us- (ii) Neither you nor any other involved "insured" ing a covered "auto" you don't own, hire or borrow will make any settlement without our consent. in your business or your personal affairs. E. SUPPLEMENTARY PAYMENTS —INCREASED (iii) We may, at our discretion, participate LIMITS in defending the "insured'" against, or in the settlement of, any claim or 1. The following replaces Paragraph A.2.a.(2), "suit". of SECTION II — COVERED AUTOS LIABIL- (iv) We will reimburse the "insured" for ITY COVERAGE: sums that the "insured" legally must (2) Up to $3,000 for cost of bail bonds (in- pay as damages because of "bodily cluding bonds for related traffic law viola- injury" or "property damage" to which tions) required because of an "accident" this insurance applies, that the "in - we cover. We do not have to furnish sured" pays with our consent, but these bonds. only up to the limit described in Para- 2. The following replaces Paragraph A.2.a.(4), graph C., Limits Of Insurance, of of SECTION II — COVERED AUTOS LIABIL- SECTION II — COVERED AUTOS ITY COVERAGE: LIABILITY COVERAGE. (4) All reasonable expenses incurred by the (v) We will reimburse the "insured" for "insured" at our request, including actual the reasonable expenses incurred loss of earnings up to $500 a day be- with our consent for your investiga- cause of time off from work. tion of such claims and your defense F. HIRED AUTO — LIMITED WORLDWIDE COV- of the "insured" against any such "suit", but only up to and included ERAGE — INDEMNITY BASIS within the limit described in Para - The following replaces Subparagraph (5) in Para- graph C., Limits Of Insurance, of graph B.7., Policy Period, Coverage Territory, SECTION II — COVERED AUTOS of SECTION IV — BUSINESS AUTO CONDI- LIABILITY COVERAGE, and not in TIONS: addition to such limit. Our duty to (5) Anywhere in the world, except any country or make such payments ends when we jurisdiction while any trade sanction, em- have used up the applicable limit of bargo, or similar regulation imposed by the insurance in payments for damages, United States of America applies to and pro- settlements or defense expenses. hibits the transaction of business with or (b) This insurance is excess over any valid within such country or jurisdiction, for Cov- and collectible other insurance available ered Autos Liability Coverage for any covered to the "insured" whether primary, excess, "auto" that you lease, hire, rent or borrow contingent or on any other basis. without a driver for a period of 30 days or less (c) This insurance is not a substitute for re- and that is not an "auto" you lease, hire, rent „ "employees", quired or compulsory insurance in any or borrow from any of your country outside the United States, its ter - partners (if you are a partnership), members ritories and possessions, Puerto Rico and (if you are a limited liability company) or Canada. members of their households. Page 2 of 4 © 2015 The Travelers Indemnity Company, All rights reserved. CA T3 53 42 15 Includes copyrighted material of Insurance Services Office, Inc. with its permission. You agree to maintain all required or compulsory insurance in any such coun- try up to the minimum limits required by local law. Your failure to comply with compulsory insurance requirements will not invalidate the coverage afforded by this policy, but we will only be liable to the same extent we would have been liable had you complied with the compulsory in- surance requirements. (d) It is understood that we are not an admit- ted or authorized insurer outside the United States of America, its territories and possessions, Puerto Rico and Can- ada. We assume no responsibility for the furnishing of certificates of insurance, or for compliance in any way with the laws of other countries relating to insurance. G. WAIVER OF DEDUCTIBLE — GLASS The following is added to Paragraph D., Deducti- ble, of SECTION III — PHYSICAL DAMAGE COVERAGE: No deductible for a covered "auto" will apply to glass damage if the glass is repaired rather than replaced. H. HIRED AUTO PHYSICAL DAMAGE — LOSS OF USE —INCREASED LIMIT The following replaces the last sentence of Para- graph A.4.b., Loss Of Use Expenses, of SEC- TION III — PHYSICAL DAMAGE COVERAGE: However, the most we will pay for any expenses for loss of use is $65 per day, to a maximum of $750 for any one "accident". I. PHYSICAL DAMAGE — TRANSPORTATION EXPENSES — INCREASED LIMIT The following replaces the first sentence in Para- graph AA.a., Transportation Expenses, of SECTION III — PHYSICAL DAMAGE COVER- AGE: We will pay up to $50 per day to a maximum of $1,500 for temporary transportation expense in- curred by you because of the total theft of a cov- ered "auto" of the private passenger type. J. PERSONAL PROPERTY COMMERCIAL AUTO (2) In or on your covered "auto". This coverage applies only in the event of a total theft of your covered "auto". No deductibles apply to this Personal Property coverage, K. AIRBAGS The following is added to Paragraph B.3., Exclu- sions, of SECTION III — PHYSICAL DAMAGE COVERAGE: Exclusion 3.a. does not apply to "loss" to one or more airbags in a covered "auto" you own that in- flate due to a cause other than a cause of "loss" set forth in Paragraphs A.1.b. and A.1.c., but only: a. If that "auto" is a covered "auto" for Compre- hensive Coverage under this policy; b. The airbags are not covered under any war- ranty; and c. The airbags were not intentionally inflated. We will pay up to a maximum of $1,000 for any one "loss". L. NOTICE AND KNOWLEDGE OF ACCIDENT OR LOSS The following is added to Paragraph A.2.a., of SECTION IV — BUSINESS AUTO CONDITIONS: Your duty to give us or our authorized representa- tive prompt notice of the "accident" or "loss!' ap- plies only when the "accident" or "loss" is known to: (a) You (if you are an individual); (b) A partner (if you are a partnership); (c) A member (if you are a limited liability com- pany); (d) An executive officer, director or insurance manager (if you are a corporation or other or- ganization); or (e) Any "employee" authorized by you to give no- tice of the "accident" or "loss M. BLANKET WAIVER OF SUBROGATION The following replaces Paragraph A.5., Transfer Of Rights Of Recovery Against Others To Us, of SECTION IV — BUSINESS AUTO CONDI- TIONS: The following is added to Paragraph AA., Cover- 5. Transfer Of Rights Of Recovery Against age Extensions, of SECTION III — PHYSICAL Others To Us DAMAGE COVERAGE: We waive any right of recovery we may have Personal Property against any person or organization to the ex- tent required of you by a written contract We will pay up to $400 for "loss" to wearing ap- signed and executed prior to any "accident" parel and other personal property which is: or "loss", provided that the "accident" or "loss" (1) Owned by an "insured"; and arises out of operations contemplated by CA T3 53 0215 ©2015 The Travelers Indemnity Company. All rights reserved. Page 3 of 4 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL AUTO such contract. The waiver applies only to the The unintentional omission of, or unintentional person or organization designated in such error in, any information given by you shall not contract. prejudice your rights under this insurance. How- N. UNINTENTIONAL ERRORS OR OMISSIONS ever this provision does not affect our right to col - The following is added to Paragraph B.2., Con- lect additional premium or exercise our right of cealment, Misrepresentation, Or Fraud, of cancellation or non -renewal. SECTION IV — BUSINESS AUTO CONDITIONS: Page 4 of 4 © 2015 The Travelers Indemnity Company. All rights reserved. CA T3 53 02 15 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMM RCI L G NERAL IAB LI YE A E L I T COMMERCIA GENERA LIA ILITY COVERA E FORML L B G Va i u pro i i n in thi poi y re tri t co e a e Re dr o s vs o s s l c s c v r g . a The "bo iy inur " o "pro e ty da a e idl j y r p r m g " s th e tre poi y ca e uly to de e mn ri ht , dute a d ca se bye n i l c r f l t r i e g s i s n u d a "o cur e ce th tn c r n " a t k s pl cea e a wha s a d s no co e e . i he "co e a e t rri o y ;t i n i t v r d n t v r g e t r " Thro g o t ths poi y th wo ds "y u a d "y ur" re eu h u i l c e r o " n o f r The "bo iy inu y o "pro e ty da a edl j r " r p r m g " to th Na e Insure sho n i the De l ra i ns, a d o cur d ri ge m d d w n c a t o n c s u n t e p lcy pe i d; a dh oi r o n a y o he pe so o o g nz t o quai yng a a Na en t r r n r r a i a i n lf i s m d Pri r to th poi y pe i d, no in ure l steo e l c ro s d i dIn ure und r thi poi y The wo ds "we , "us" a ds d e s lc . r " n un e Pa a ra hd r r g p o Se t of c i n Who Is"o r re e o t e co pa y p o i i g hi i sura ceu " f r t h m n r vdn t s n n .An In ure a d no "e pl y e a t o i es d n m o e " u h r z d The wo d "i sure " m a s a y pe so o o ga i a i n by y u tor n d e n n r n r r nz t o o gi e o re ev no i e ov r c i e t c f an qu lfyng a such unde Se t oai i s r c i n Who Is An "o curre ce o cl i kn w tha the "bo iyc n " r am e t dl I sure . i j r " o "pro e ty da a e ha o cur e ,n d n u y r p r m g " d c r d i whoe o in pa t If such a li te i suren l r r . s d n dOt e wo ds a d phr se tha a p a in quo a i nh r r n a s t p e r t t o o a t o i e "e pl y e k e , pri r to ther u h r z d m o e " n w om rk ha e spe i l m a i g. Re e to Se ti na s v c a e nn f r c o poi y pe i d th t the "bo iy i j ry ol c r o , a dl nu " rDe i i i ns.f nt o "pro e ty da a e o cur e , th n a yp r m g " c r d e n co ti u t o , cha g o re um ti n o suchn n a i n n e r s p o f "bo iy inur " o "pro e ty da a e du i gdl j y r p r m g " r n o a t r th poi y pe i d wil be de m d tor f e e l c r o l e e ha e be n no n pri r t h p l cy pe i dv e k w o o t e oi ro . "Bo iy i j ry o "pro e ty da a e whi hdl nu " r p r m g " cWe wil pa th se sum tha th i surel y o s t e n d o cur duri g th poi y pe i d a d wa no ,c s n e lc r o n s tb co e le al o lga e to pa a da a ee m s g ly b i t d y s m g s pri r to the poi y pe i d kn w to ha eo l c ro , o n vb ca se o "bo iy i j ry o "pro e ty da a ee u f dl n u " r p r m g "o curre by a y i sure l ste n e a a ra hc d n n d i d u d r P r g pto whi h ths in ura ce a pi s. We wil ha ec i s n p le l v o Se t of c i n Who Is An Insure o a yd r nth rig t a d du y to de e d the i sure a anste h n t f n n d g i "e pl y e a t o i e by y u to gi e o re evm o e " u h r z d o v r c i ea y "sui " se kn th se da a e . Ho e e ,n t e i g o m g s w v r no i e o a "o cur e ce o cl i , n l d s a yt c f n c r n " r am i c u e nwe wil ha e no dut to de e d the i surel v y f n n d co ti u t o , cha g o re um t o o than n a i n n e r s p i n f ta anst a y "sui " se kn da a e fo "bo iyg i n t e i g m g s r dl "bo iy i j ry o "pro e ty da a e a t r thdl nu " r p r m g " f e ei j ry o "pro e ty da a e to whi h thinu " r p r m g " c s e d f he poi y p ri d.n o t lc e oi sura ce do s no a py We m y a o rn n e t p l . a , t u di cre i n, in e t ga e a y " wil bes to v s i t n lo cur e cec r n ""Bo iy i j ry o "pro e ty da a edl nu " r p r m g "a dn se te a y cl i r "sui " th t a e ul . Bu :t l n am o t a m y r s t t de m d to ha e be n kn wn to ha e o curr de e v e o v c e a the e rle t ti e whe a y in ure l stet a i s m n n s d i dThe a o n we wil pa fo da a e ism u t l y r m g s un e Pa a ra hd r r g p o Se ti nf c o Who Is Anl mte a de cri e i Se toi i d s s b d n c i n Li i smt In ure o a y "e pl y e a t o i e by y u tos d r n m o e " u h r z d oOf I sur n e ndn a c ; a gi e o re ev no i e o a "o cur e ce ov r c i e tc f n c r n " r cl i :amOur right and duty to defend end when we ha e use up th a pi a l li i ov d e p l c be mt f Re o t al o a y pa t o the "bo iyp r s l, r n r , f dli sur n e i the pa m nt o j d m n s on a c n y e f u g e t r i j ry o "pro e ty da a e to us o a ynu " r p r m g " r nse tl m n s und r Co e a et e e t e v r g s or or o h r i sure ;t e n rm dca x e se un e o e a ee i l e p n s d r C v r g . Re ev s a wri t n o v rb l de a d oc i e t e r e a m n rNo o he o l g t o o l a ii y to pa sum ot r bi a i n r i bl t y s r cl i fo da a e be a se o the "bo iyam r m g s c u f dlpe f r a t o se vce i co e e unl ssr o m c s r r i s s v r d e i j ry o "pro e t a a e ; rnu " r p r y d m g " oe plci l pro i e fo und r Sup l m n a yx i t y vd d r e pe e t r Payments. Be o e a a e by a y o he m a s thac m s w r n t r e n t "bo iy inur " o "pro e ty da a e hadl j y r p r m g " sThi in ura ce a pi s to "bo iy i j ry a ds s n p l e dl n u " n o curre o a be un t ccurc d r h s g o o ."pro e ty d m ge o l fp r a a " ny i : Pa e 1 o 21g f COMM RCIAL E ERAL IAB LITYE G N L I Da a e be a se o "bo iy i j ry i cl dem g s c u f dl nu " n u An sta u e o di a ce o e ua i n ea i gy t t , r n n r r g l t o r l t n da a e clam d by a y pe so r rga i a i n to the sae gi t, dim g s i e n r n o o nz to l , f strbu i n o usi t o r e of fo ca e l ss o se vce o de th re ul i g a aco oir r , o f r i s r a s t n t l h l c e e a e .b v r g s a y tm ro he "bo iy i j r ".n i e f m t dl nu y Thi e cl sio a pi s o l i y u a e in thes x u n p l e ny f o r bu i e s o m n f ct rng di tri u i g sel n ,s n s f a u a u i , s b t n , li g se vng o furnshi g aco oi be e a e . F rr i r i n l h lc v r g s oThi i sura ce d e no p l os n n o s t a py t :th pur o e o thi e cl sio , pe mt i g ae p s s f s x u n r i t n pe so to bri g aco oi be e a e o y urr n n l h l c v r g s n o "Bo iy i j ry o "pro e ty d m ge e pe te o pre i e , fo co sum tidl nu " r p r a a " x c d r ms s r n p o o y u pren n o r mse ,i s i t nd d fro th sta d on o th i sure . whehe o non e e m e n p i t f e n d t r r t a fe is cha g d o a li e see r e r c n is Thi e cl sio do s no a pl to "bo iy inu y re ure fo suchs x u n e t p y dl j r " q i d r a ti i y is no by it efc vt , t s l o "pro e ty da a e re ul i g fro the use o co si e e th bu ir p r m g " s t n m f n d r d e s ne s o sel n , ss f li g e vn or i g r re so a l f rce t p o e t pe so s o p o e t . fu ni hi g l o oia n be o o r t c r n r r p r y r s n ac h l c be e a e .v r g s "Bo iy i j ry o "pro e ty da a e fo whi h An o l g t o o thedl n u " r p r m g " r c y bi a i n f i sure un e an d d r wo k r 'r e s th i sure is o lga e to pa da a e by co p nsa i n di a ie n d bi t d y m g s m e to , s bl t be e i s ori y n f t re so o th a sum to o l a ii y i a un m l y e t co pea n f e s p i n f i b lt n e p o m n m n a i n l w o as to a r n siml ry i a co tr ct o a r e e t. Thi e cl sio do s no l w.n a r g e m n s x u n e t a a pl o la i i y f r a a e :p y t i blt o d m g s Tha t e i sure o l a e i t e a se cet h n d w ud h v n h b n "Bo iy i j r " todl nu y :o h co t a t o gr e e t; of t e n r c r a e m n r An "e pl y e o the i sure a i in o t om o e " f n d r s g u fAssum d in a co tr ct o a re m nt th t ie n a r g e e a s a d n th co r e o :n i e u s fa "i sure co t a t , pro i e th t thn n d n r c " vd d a e Em l y e t y th i sure ; opo m n b e n d r"bo iy inu y o "pro e ty da a e o curdl j r " r p r m g " c s subse u n to t e e e uto o t e co t a tq e t h x c i n f h n r c Pe f r i g dute rea e to ther o mn i s l t d o a r e e t. Soey fo th purp se o co du t f he i sure 'sr g e m n l l r e o s f n c o t n d b sin ss; ou e r l a ii y a sum d in a "i sure co t a t",i blt s e n n d n r c The spo se chid pa e t bro h r o sisteu , l , r n , t e r rre so a l a t rne s' fe s a d ne e sa ya n be t o y e n c s r o tha "e pl y e a a co se ue ce of t m o e " s n q n fl t g ti n e p nse i curr d by o f r a tyi i a o x e s n e r o a p r Pa a r pr g a h a o eb v .o h r th n a i sure wil be de m d to bet e a n n d l e e Thi e cl si n a ple whe he th in ure m ys x u o p i s t r e s d ada a e be a se o "bo iy i j ry om g s c u f dl nu " r be l a l s a e po e r n ny o he a a i yi be a n m l y r o i a t r c p c t"pro e ty d m g ", ro i e th tp r a a e p vd d a :a d t a y o lga i n to sha e da a e wi h on o n b i to r m g s t rLi bl t to such pa ty fo , o fo thea i i y r r r r re a so e ne ese who m st pa da a ep y m o l u y m g sco t o , th t pa t ' de e se ha asos f a r ys f n s l be a se o he i j r .c u f t n u ybe n a sum d in the sa e "i suree s e m n d Thi e cl si n do s no a py to l a ii ys x u o e t p l i b ltco tr ct"; ndn a a a sum d by the i sure un e a "i sures e n d d r n n dSu h a t r e s' fe s a d l t g t oc t o n y e n i i a i n co tr ct .n a "e pe se a e fo de e se o th t pa tx n s r r f n f a r y a anst a ci i o at rn t v di putg i vl r l e a i e s e "Bo iy inu y o "pro e ty da a e a i i gdl j r " r p r m g " rs nre outo pro e dng in whi hs l i n c e i c o t o the a t a, al g d o th e te eu f c u l le e r r a n dda a e to whi h th s in ura cem g s c i s n di cha ge di pe sa, se p g , mgr t o ,s r , s r l e a e i a i na ple a e al ge .p i s r l e d ree se o e ca e o "pol t n s":l a r s p f l u a t At o fro a y pre i e , sit or m n ms s e r"Bo iy i j ry o "pr p rt da a e fo whi hdl n u " r o e y m g " r c l ca i n whi h i o wa a a y ti eo to c s r s t n ma y i sure a e h l i be b e so o :n n d m y b ed l a l y r a n f o ne o o cupi d by o re t d ow d r c e , r n e r Ca si g o co t i utn to the i t xca i nu n r n r b i g n o i to l a e to a y i sure . Ho e e , th so n d , n n d w v r i o n e so ;f a y p r n subp ra ra h o s n t ppy t :a g p d e o a l o The furnshi g o aco oi be e a e to ai n f l h l c v r g s "Bo iy inu y i sustan d wit i adl j r " f i e hn pe so und r the l g l dri kng a e or n e e a n i g r bul i g a d ca se by sm k ,i dn n u d o e u de he i f u n e o l o o; on r t n l e c f ac h l r fu e , v po o so t pro uce bym s a r r o d d o o i i a i g fro e upm n th tr r gn t n m q i e t a Pa e2 o 21g f COMM RCI L G NERAL IAB LI YE A E L I T i use to he t co l o de u i i y to pe f rm th no m l ee tris d a , o r h mdf r o e r a l c ca,l th bul i g o pro u e by o hy ra lc o m cha i a fun ti ne i dn , r d c d r d ui r e n c l c o s o i i a i g fro e upm n tha isrgn t n m q i e t t ne e sa y fo th o e a i n oc s r r e p r to f use to he t wa e fo pe so ad a t r r r n l "m bie e ui m n " o it pa t , ifo l q p e t r s r s use by th buidi gs o cup n s oe l n ' c a t r such fues, l b i a t o o h rl u r c n s r t e th i u sts;er g e o e a i g fl i s e ca e fro ap r t n u d s p m v hi l pa t de i n d to hod, sto ee c e r s g e l r"Bo iy i j ry o "pro e tydl nu " r p r o re ev the . Thi e ce ti nr c i e m s x p oda a e fo whi h y u m y bem g " r c o a do s no a pl if the "bo iy i j rye t p y dl n u "hed li be if y u a e a co tr ct rl a l , o r n a o o "pro e ty da a e a i e o t or p r m g " rs s u fa d the o ne o le se o suchn w r r s e f th in e ti n l di cha ge di pe sae t n o a s r , s r lpre i e , sit o l ca i n ha be nms s e r o t o s e o r l a e o the fues, l b i a tr ee s f l u r c n sa de to y ur poi y a ad d o lc s n o o h r o e a i g fl i s, o i suchr t e p r t n ud r fadditional insured with respect to y ur o g i g o e a i ns pe fo m d fu l , lu ri a t o o he oo n on p r t o r r e es b c n s r t r p r t ne a i g fo th t a dt o a i sure a tha fl i s a e bro gh o or a d i i n l n d t t ud r u t n r to the pre i e , sit o l ca i n a d suchms s e r o t o n pre i e , sit o l ca i n wit thems s e r o t o h pre i e , sit o l ca i n is noms s e r o t o t i t nt th t th y be di cha g d,n e a e s r e a d ne e wa o n d o o cupi dn v r s w e r c e di pe se o ree se a pa t os r d r l a d s r f by o re te o l a e to a y, r n d r o n d , n th o e a i n beng pe fo m d bye p r t o s i r r e i sure , o he tha tha a dt o an d t r n t d i i n l such in ure , co t a to ors d n r c r i sure ; on d r subco t a to ;n r c r "Bo iy i j ry o "pro e tydl n u " r p r "Bo iy inj ry o "pro e tydl u " r p rda a e a i i g o t o he t,m g " rs n u f a da a e sustan d wit i am g " i e hnsm k o fu e fro a "ho tieo e r m s m s l bul i g a d ca se by th ree sei dn n u d e l afi e ;r "o ga e , fum s o v po s frof s s e r a r m At o fro a y pre i e , sit or m n ms s e r m te i l bro g t in o th t bul i ga ras u h t a i dn l ca i n whi h i o wa a a y ti eo to c s r s t n m i o n cti n wi h pe a i ns benn c n e o t o r t o i g use by o fo a y i sure o o h rs f rd r r n n d r t e o pe f r e by y u o o y u e afr o m d o r n o r b h lth ha dlng sto a e dispo a,e n i , r g , s l by a co tr ct r r subco t a to ; on a o o n r c r rpro e sin r re tm n o w stec s g o t a e t f a ;"Bo iy inj ry o "pro e tydl u " r p rIf such "pol t n s" a e o we e a a yl u a t r r r t n da a e a i i g o t o he tm g " rs n u f a ,ti e tra spo t d, ha de , sto e ,m n r e n l d r d sm k o fu e fro a "ho tieo e r m s m s ltr a e , di po e o , o pro e se ae t d s s d f r c s d s fi e ; rr " owa te by o o :s r f r At o fro a y pre i e , sit or m n ms s e rAn nsure ; oy i d r l ca i n o whi h a y in ure o a yo to n c n s d r nAn pe so o o g nz to foy r n r r a i a i n r co tr ct rs o subco t a t r wo kngn a o r n r c o s r iwho y u m y be le alm o a g ly di e t y o i di e t y o a y i sure 'r c l r n r c l n n n dsre po si l ;s n b e be af a e o we e a a y ti eh l r r r t n m At o fro a y pre i e , sit or m n ms s e r pe fo mng o e a i n to te t fo ,r r i p r t o s s r l ca i n o whi h a y in ure o a yo to n c n s d r n m ni o , cl a up, re o e co t i ,o t r e n m v , n anco tr ct rs o subco t a t r wo kngn a o r n r c o s r i tr a , de o i y o ne tr lz , o in a ye t t xf r u ai e r ndi e t y o i di e t y o a y i sure 'sr c l r n r c l n n n d wa re po d to o a se s th e fe tsy s n , r s s e f cbe af a e pe fo mng o e a i n if theh l r r r i p r t o s o , "pol t n s".f l u a t"pol t n s" a e bro gh o o to thel u a t r u t n r An l ss, co t o e p n e a i in o t oy o s r x e s r s g u fpre i e , si e o l ca i n i co n ct oms s t r o t o n n e i n a yn :wi h such o e a i n by such in ure ,t p r t o s s d co tr ct r o sub o tr ct r. Ho e e ,n a o r c n a o w v r Re ue t, de a d o de o sta ut ry oq s m n , r r r t o rth s subp ra ra h o s n t ppy t :i a g p d e o a l o re ua o y re ui e e t t a a y in ureg l t r q r m n h t n s d "Bo iy inj ry o "pro e tydl u " r p r o o he s te t fo , m ni o , cle n up,r t r s r o t r a da a e a i i g o t o the e ca em g " rs n u f s p r m v , co t i , tre t de o i y oe o e n an a , t xf r o fues, lub i a t o ot ef l r c n s r h r ne t ai e o in a y wa re po d to ou r l z , r n y s n , r o e a i g fl i s whi h a e ne d dp r t n u d c r e e a se s t e e fe t o , "pol t n s"; rs s h f c s f l u a t o Pa e 3 o 21g f COMM RCIAL E ERAL IAB LITYE G N L I Cl i o sui by o o be af o a yam r t r n h l f n The o e a i n o a y o the m chi e yp r t o f n f a n r go e nm n a a t o i y o a y o he o e ui m n lste in Pa av r e t l u h rt r n t r r q p e t i d r gra hp pe so o o ga i a i n b ca se o or n r r nz t o e u f r o the de i i i n o "m bief f nt o f o l te ti g fo , m nt rng cl a i g up, e ui m n "; rs n r o i o i , e nn q p e t o re o i g, con ani g, tre tngm vn t i n a i ,An ar ra t t a s:i c f h t id to i yng o ne t ai i g, o i a ye xf i r u r l zn r n n Cha t re i h a pio o a y i sure ;r e d wt l t t n n dwa re po di g to o a se sin they s n n , r s s g e fe t o , "pol t n s".f c s f l u a t No w e y a y i sure ; a dt o n d b n n d n No ben use to ca r a y pe so ot i g d r y n r n r pro e ty f r ha g .p r o a c r e"Bo iy inu y o "pro e t da a e a i i g o tdl j r " r p r y m g " rs n u o th o n r hi , m i t na ce use orf e w e s p an e n , e tr stm nt to o he s o a y ar ra t "a t " on u e t r f n i c f , u o r "Bo iy inu y o "pro e ty da a e a i i g o tdl j r " r p r m g " rs n uw te cra t o n d o o e a e by o re t d oa r f w e r p r t d r n e r o :fl a e to a y in ure . Use in l d s o e a i no n d n s d c u e p r t o The tra spo t to o "m bie e upm n "n r a i n f o l q i e ta d "l a i g r no dn ".n o dn o u l a i g by a "a t " o ne o o e a e by on u o w d r p r t d rThi e cl si n a pi s e e if the clams x u o p l e v n i s re t d r l a e o a y i sure ; on e o o n d t n n d ra anst a y i sure al g ne l g nce o o h rg i n n d le e gi e r t e The use o "m bie e ui m nt i , o whief o l q p e " n r lwro g on i th supe vsio , hirngn d i g n e r i n i ,i pra ti e fo , o whie beng pre a e fo ,n c c r r l i p r d re pl y e t tr i i g o m ni o i g o o he s bym o m n , an n r o t rn f t r a y pre rr n e ra i g, spe d, de oi i n,n a a g d c n e m lt oth t in ure , if th "o cur e ce whi h ca sea s d e c r n " c u d o stun i g a tvtyr t n c i i .th "bo iy i j ry o "pro e ty d m ge i v l ee dl nu " r p r a a " n ov d th o ne shi , m i t na ce use oe w r p an e n , r e t ust e t to o he s o a y ar ra t "a t " on r m n t r f n i c f , u o r "Bo iy inu y o "pro e ty da a e a i i g o tdl j r " r p r m g " rs n uwa e cra t tha is o ne o o e a e by ot r f t w d r p r t d r o :fre t d r o n d o a y i sure .n e o l a e t n n d Wa , i cl di g u d cl r d o ci i a ;r n u n n e a e r vl w rThi e cl sio o s no a pl t :s x u n d e t p y o Wa lk a t o by a mlta y fo ce in l dngr i e c i n i i r r , c u iA wa e cra t whie a ho e o pre i e y ut r f l s r n ms s o a to i hi d ri g o de e dng a an t ac i n n n e n r f n i g i s no n r e tw o r n ;a t a o e pe t d a t ck by a yc u l r x c e t a , n A a e cra t y u o n t o n ha s: go e n e t so e egn ow t r f o d o w t t i v r m n , v r i r o he a t o it r u h rty usin ii a y pe so n l o t e ge t ; og mlt r r n e r o h r a n s r50 fe t o g o l ss; nde l n r e a In urr cto , re elo , re outo , usurp ds e i n b li n v l i n eNo ben use to ca r a y pe so ot i g d r y n r n r po e , o a ti n ta e by go e n e t lw r r c o k n v r m n apro e ty f r ha g ;p r o a c r e a t o i y in hi d ri g o de e dng a anstu h r t n e n r f n i g iPa kn a "a t " o , o o the wa s ne tr i g n u o n r n y x a y o he en f t s .to pre i e y u o n o re t, pro i e the, ms s o w r n vd d "a t " i no o n d by o re t d o l a eu o s t w e r n e r o n d to y u r he i sure ; "Pro e ty d m ge too o t n d p r a a " : Li bl t a sum d unde a y "i surea i i y s e r n n d Pro e ty y u o n, re t, o o cup ,p r o w n r c y co tr ct fo he o ne shi , m i t na ce o i cl di g a y co ts o en a " r t w r p an e n r n u n n s r x e se i cu rep n s n r d use o ar ra t o a e cra t by y u, o a y o he pe so , o g ni a if i c f r w t r f ; o r n t r r n r a z t o on r e t t , fo re ar, re l ce e tn i y r p i p a m n ,"Bo iy inu y o "pro e ty da a e a i i gdl j r " r p r m g " rs n e ha ce e t, re to a i n o m i t na cen n m n s r t o r an e no t o :u f o such pro e t fo a y re so , in l dngf p r y r n a n c u iThe op ra i n o m chi e y ore to f a n r pre e ti n o i j ry to a pe so o da a ev n o f nu r n r m ge ui m n th t i a t ch d to o pa tq p e t a s t a e , r r to a o he 's p o e t ;n t r r p r yo , a la d v hi l th t wo l quai y af n e c e a ud lf s Pre i e y u sel, gi e a a o a a d n ifms s o l v w y r b n o ,"m bie e upm n " un e th d fi i i no l q i e t d r e e nt o th "pro e ty da a e a i e o t o a ye p r m g " rs s u f no "m bie e ui m nt i such la df o l q p e " f n pa t o h se pr mse ;r f t o e i sv hi l we e no subj ct to ae c e r t e co p l o y o fi a ci l re po si ii ym us r r n n a s n b lt Pro e ty l a e o y u;p r o n d t o l w, o o he m t r v hcl in ura cea r t r o o e i e s n Pe so a pro e t i th ca e custo y or n l p r y n e r , d rl w, whe e i is li e se o pri ci ala r t c n d r n p ly co tr l o t e i sure ;n o f h n dga a e ; rr g d o Pa e4 o 21g f COMM RCI L G NERAL IAB LI YE A E L I T Tha pa t cul r pa t o re l pro e t o a ci e t l phy ica inu yt r i a r f a p r y n c d n a s l j r to "y ur pro u t"o d c or whi h y u o a y co tr ct rs o "y ur wo k a t r it ha be n putc o r n n a o r o r " f e s e to it in e des t n d subco t a t r wo kn di e t y o i dre tl usen r c o s r i g r c l r n i c y . o y u be af a e pe f rmn o e a i ns, ifn o r h l r r o i g p r to th "pro e ty da a e a i e o t o tho ee p r m g " rs s u f s o e a i n ; rp r t o s o Da a e cl i e fo a y l ss, co t o e pe sem g s am d r n o s r x n Tha pa ti ul r pa t o a y pro e t that r c a r f n p r y t i cu re by y u o o h r fo th l ss o usen r d o r t e s r e o f , m st be re to e , re are o re l ceu s r d p i d r pa d wi hd a a, re al i spe t o , re art r w l c l, n c i n p i , b ca se "y ur wo k wa i co re t ye u o r " s n r c l re l ce e t a j stm nt re o a o di po ap a m n , du e , m v l r s s l pe fo m d o i .r r e n t o :f "Y u ro uct";o r p dPa a r p sr g a h ,a dn o ths e cl si n dof i x u o no a py to "pre i e da a e . A se a a et p l ms s m g " p r t "Y u o k ; ro r w r " ol mt o i sura ce a pi s to "pre i e da a ei i f n n p le ms s m g ""Im are p o e t ";p i d r p r ya de crib d in Pa a r ps s e r g a h o Se ti nf c o i such pro u t, wo k o pro e t is wit dra nf d c r , r p r y h wLi i s O nsura cemt f I n . o re al d fro th m rk t o fro use by a yr c le m e a e r m nPa a ra hr g p o hs e cl sio o s no a pl if t i x u n d e t p y f pe so o o g nz to be a se o a k o n or n r r a i a i n c u f n w rth pre i e a e "y ur wo k a d we e ne ee ms s r o r " n r v r suspe te de e t de i i ncy in de u cy oc d f c , f c e , a q a ro cupe , re t d r ed fo e t l by y uc i d n e o h l r r n a o .da g ro s co di i n i tn e u n to n i .Pa a r p sr g a h ,,a dn o th sf i e cl sio do no a pl to li bl t a sum dx u n t p y a i i y s e "Bo iy inu y a i i g o t o "pe so a a ddl j r " rs n u f r n l nun e sid tr ck a re m ntd r a e a g e e . a v rtsi g i j ry .d e i n nu "Pa a ra hr g p o ths e cl sio do s no a plf i x u n e t p y to "pro e ty da a e i cl de in th "pro uct -p r m g " n u d e d s co pe e p ra i n h z r ".m l t d o e t o s a a d Da a e a i i g o t o th lo s o , lo s o usem g s rs n u f e s f s f o , da a e to co ru t o o , i a ii y to a ce s,f m g , r p i n f n bl t c s o i a ii y t a i ua e "ee t o i d t ".r n bl t o m np l t l c r nc a a"Pro e ty da a e to "y ur pr d ct a i i g o tp r m g " o o u " rs n u o t o ny p rt o i .f i r a a f t Ho e e , thi e cl si n do s no a py tow v r s x u o e t p l l a ii y fo a a e b ca se o "bo iy i j r ".i blt r d m g s e u f dl nu y "Pro e ty d "p r a a e to y ur wo k a i i g o t om g " o r " rs n u f i o a y pa t o it a d i cl d d i he "pro uct -t r n r f n n u e n t d s "Bo iy inu y o "pro e ty da a e a i i g o tdl j r " r p r m g " rs n uco pe e p ra i n h z r ".m l t d o e t o s a a d o a y a tu l o al g d voa i n o a y l w thaf n c a r le e i l t o f n a t Thi e cl si n do s no a pl if th da a es x u o e t p y e m g d re tri ts o pro i i s the se dng tr n mt i gs c r hbt n i , a s i tn wo k o th wo k o t o whi h th da a er r e r u f c e m g o dstri utn f "un oi i e co m ni a i n".r i b i g o s lc t d m u c t o a i e wa pe fo m d o y ur be af by ars s s r r e n o h l subco tr cto .n a r "Bo iy inu y o "pro e ty da a e a i i g o tdl j r " r p r m g " rs n u o a y a ce s to o di cl sure o a y pe so 'f n c s r s o f n r ns"Pro e ty da a e to "i p i e pro e t " op r m g " m ar d p r y r o o g ni a i n' co f de ti l or pe so ar r a z t o s n i n a r n lpro e ty th t ha no be n ph si al inu e ,p r a s t e y c ly j r d i f rm to .n o a i na i i g o t o :rs n u f A de e t de i i n y in d qu cy orf c , f c e c , a e a "Bo iy inu y o "pro e ty da a e a i i gdl j r " r p r m g " rs nda g ro s co di i n in "y ur pro uct on e u n t o o d " r o t o th a t a o al g d pre e ce ou f e c u l r l e e s n r"y ur o k ; ro w r " o a t a, al ge o th e t ne di pe sa oc u l le d r r a e d s r l fA dea o fal r by y u o a y n a t ngl y r iu e o r n o e c i a be to , a be to fi e s o pro u tss s s s s s b r r d co y ur be af to pe fo m a co t a t on o h l r r n r c r co tann a be to , pro i e th t then i i g s s s vd d aa re m nt i cco d nce wt t t rm .g e e n a r a i h i s e s "bo iy i j ry o "pro e ty da a e idl n u " r p r m g " sThi e cl si n do s no a pl to the l ss o ses x u o e t p y o f u ca se o co t i ut d to by the ha a d usu d r n r b e z r oo o h r pro e t a i in o t o sudd n a df t e p r y r s g u f e n pro e ti s o sbe to .p r e f a s s Pa e 5 o 21g f COMM RCIAL E ERAL IAB LITYE G N L I "Bo iy inu y o "pro e ty da a e a i i g e pl y e t- ea e pra tdl j r " r p r m g " rs n m o m n r l t d c i e de cri ec s s b d in o t o th a t a o al g d pre e ce o Pa a r pu f e c u l r l e e s n r r g a h ,, ro a o e i dre te .b v s i c d a t a, al ge o th e t ne di pe sa oc u l le d r r a e d s r l f Thi e cl si n a ple whe he th in ure m ys x u o p i s t r e s d a a y soi , li ui , ga e us o th r a ir i a tn l d q d s o r e m l r t n be l a l s a e po e r n ny o he a a i yi be a n m l y r o i a t r c p c t o co t mna t, i cl di g sm k , v po s,r n a i n n u n o e a r a d t a y o lga i n to sha e da a e wit on o n b i to r m g s h r so t fu e , a i s, ak ls, che i as a do , m s c d l ai mc l n re a so e ne ese who m st pa da a ep y m o l u y m g s wa te a d th t a e pa t o a y cl i os , n a r r f n am r be a se o he "bo iy i j r ".c u f t dl nu y "sui " whi h aso al ge a y "bo iy i j ryt c l le s n dl n u "Ex l si nsc u o th o gr u h do no a py to "pre i et p l ms so "pro e ty da a e de cri e inr p r m g " s b d da a e . A se a a e li i o i sura ce a pi s tom g " p r t mt f n n p l ePa a r pr g a h a o eb v ."pre i e da a e a de cri e in Pa a r pms s m g " s s b d r g a h of Se ti nc o Li i s O nsur n emt f I a c .An l ss, co t o e p nse a i in o t oy o s r x e r s g u f a yn : Re ue t, de a d o de o sta ut ry oq s m n , r r r t o r re ua o y re ui e e t tha a y i sureg l t r q r m n t n n d o o he s te t fo , m ni o , cle n up,r t r s r o t r a We wil pa th se sum tha th i surel y o s t e n d re o e co t i , tre t de o i y om v , n an a , t xf r be o e le al o lga e to pa a da a ec m s g ly b i t d y s m g s ne t ai e o i a y wa re po d to ou r lz , r n n y s n , r be a se o "pe so a a d a v rtsi g inur " toc u f r n l n d e i n j y a se s the e f ct o , a be to ,s s f e s f s s s whi h ths i sura ce a ple . We wil ha e thec i n n p i s l v a be to fi e s o pro uct co t i i gs s s b r r d s n ann ri ht a d du y to de e d t e i sure a anst a yg n t f n h n d g i n a be to ; rs s s o "sui " se kn th se da a e . Ho e e , we wilt e i g o m g s w v r l ha e no dut to de e d the in ure a an t a yv y f n s d g i s nCl i o sui by o o be af o a yam r t r n h l f n "sui " se kn da a e fo "pe so a a dt e i g m g s r r n l ngo e n e t l a t o i y o a y o h rv r m n a u h r t r n t e a v rtsi g inur " to whi h thi i sura ce do sd e i n j y c s n n epe so o o ga i a i n be a se or n r r nz to c u f no a py We m y at o r di cre i nt p l . a , u s to ,te ti g fo , m nt rng cl a i g up,s n r o i o i , e nn i v sti a e a y o fe se a d se te a y clam on e g t n f n n t l n i rre o i g, con ani g, tre tngm vn t i n a i ,"sui " th t a e ul . Bu :t a m y r s t tde o i yng o ne t ai i g o in a yt xf i r u r l zn , r n wa re po di g to o a se sin they s n n , r s s g The a o n we wil pa fo da a e ism u t l y r m g s e fe t o , a be to , a be to fi e s o l mte a de cri e if c s f s s s s s s b r r i i d s s b d n Se toc i n Li i smt pro uct co t i i g a be to . Of I sura ce a dd s n ann s s s n n ; n Ou rig t a d dut to de e d e d whe wer h n y f n n n ha e use up th a pi a l li i ov d e p l c be mt f"Bo iy i j r " todl nu y : i sur n e i the pa m nt o j d m n s on a c n y e f u g e t rA e so ri in ut o nyp r n a s g o f a : se tl m n s und r Co e a et e e t e v r g s or orRe usa o e po h t e so ;f l t m l y t a p r n m di a x e se un e o e a ee c l e p n s d r C v r g .Te mna i n o tha pe so 'sr i to f t r n No o he o l g t o o l a ii y to pa sum ot r bi a i n r i bl t y s re pl y e t rm o m n ; o pe f r a t o se vce i co e e unl ssr o m c s r r i s s v r d eEm l y e t rea e pra t ce poi ypo m n - l t d c i , l c ,e pl ci l pro i e fo un e Su pe e t ryx i t y vd d r d r p l m n aa t o o i si n, such a co rci n,c r ms o s e o Pa m nt .y e sde o i n, e au ti n re ssi nm n ,m t o v l a o , a g e t Thi i sura ce a ple to "pe so a a ds n n p i s r n l ndi cipi e fal re to pro o e os l n , i u m t r a v rti i g inur " ca se by a o fe se a i i gd e s n j y u d n f n rs na v nce ha a sm n , humla i nd a , r s e t ii t o , o t o y u bu i e s but o l i th o f nse wau f o r s n s ny f e f e sdi crimna i n, li e, sl nd r voa i ns i t o b l a e , i l t o co mt e in th "co e a e te rt r " du i g thm i t d e v r g r i o y r n eo th pe so 's rig t o pri a yf e r n h f v c , poi y p ri d.l c e om l ci us pro e uto o fase a re t,ai o s c i n r l r s de e t o o i p i o m n a pi d t ot n i n r m r s n e t p l e o r di e t d a tha pe so , re a dl ss or c e t t r n g r e f Thi i sura ce d e no p l os n n o s t a py t :whehe such pra ti e poi y a t ot r c c , lc , c r o i si n o curs, i a pi d o isms o c s p l e r co mt e be o e duri g o a t r them i t d f r , n r f e "Pe so a a d a v rtsin inur " ca se by or n l n d e i g j y u d rti e o t a e so 's e po m nt rm f h t p r n m l y e ; o a th di e ti n o the i sure wi h thet e r c o f n d t The spo se chid pa e t bro h r o sisteu , l , r n , t e r r k o l d e th t the a t wo l voa e the rig tn we g a c u d i l t h s o tha pe so a a co se u nce o "bo iyf t r n s n q e f dl o a o h r a d wo l i f i t "pe so a a df n t e n ud n l c r n l n i j ry to tha pe so a who a y o thenu " t r n t m n f a v rtsi g i j r ".d e i n n u y Pa e6 o 21g f COMM RCI L G NERAL IAB LI YE A E L I T Thi e cl si n do s no a pl to "pe so a a anst a ci i o as x u o e t p y r n l g i vl r l e n t v di putt r a i e s e i j ry ca se b ai i u p o e uto . re ou i n pro e di g inu " u d y m l c o s r s c i n s l t o c e n n whi hc da a e to whi h th s in ura cem g s c i s n a ple a e al ge .p i s r le d "Pe so a a d a v rtsin inu y a i i g o t or n l n d e i g j r " rs n u f o a o wri te pu lca i n i cl di g pubi a i n "Adv rt sinr l r t n b i t o , n u n l c t o e i g i j ry a i i g o t on u " rs n u f a bre ch oa f by ee tro i m a s, o a e i l f do e by o t co tr ctl c nc e n f m t ra, i n r a n a . th di e ti n o th i sure wi h kno l d e oe r c o f e n d t we g f i s f l i yt as t . "Adv rtsin inur " a i i g o t o th fal re oe i g j y rs n u f e i u f go ds, pro uct o se vce to co fo m wi ho d s r r i s n r t "Pe so a a d a v rtsin nu y a i i g o t a y sta e e t o quar n l n d e i g i j r " rs n u n t m n f l t o pe foi y r r rm n e m dea c a o o a o wri t n pu lca i n in l dn i o r "a v rtse ef r l r t e b i t o , c u i g n y u d e i m nt ." pu lca i n by ee t o i m a s, o m t ri lb i t o l c r nc e n f a e a who e fi st pu lca i n to k pl ce be o es r b i t o o a f r "Adv rtsin inu y a i i g o t o the wro ge i g j r " rs n u f nth b gi ni g o t e p lcy pe i d re e n n f h oi r o ; o de cri to o the pri e o go ds, pro uct os p i n f c f o d s r"Ad e t si g i j ry a i i g ou ofv r i n n u " rs n t se vce sta e n y ur "a v rtse e t .r i s t d i o d e i m n "i f i ge e t o co y i ht "ti l " o "sl g n"n r n m n f p r g , t e r o a i y ur "a v rtse e t who e fi stn o d e i m n " s r i f i ge e t i y ur "a v rt se e t wa "Pe so a a d a v rtsinn r n m n n o d e i m n " s r n l n d e i g inu y a i i g o tj r " rs n u of co mt e be o e the be i nn o the a y a t a o al g d i fm i t d f r gn i g f n c u l r le e n ri ge e t o voan m n r i l t o oi n f poi y p ro . a y o th fol wi g ri h s o la s, o a yl c e i d n f e l o n g t r w r n o h rt e "pe so a a d a v rtsi g inur " al ge i a yr n l n d e i n j y le d n n cl i o "sui " th t aso al ge a y sucham r t a l l e s n"Pe so a nd a v rtsi g i j ry a i i g o t o ar n l a d e i n nu " rs n u f i f i ge e t r i l t o :n r n m n o voa i ncri i a a t co mt e by o a the di e ti n omn l c m i t d r t r c o f Co y i h ;p rg tth i sure .e n d Pa e tt n ; Tra e d e s;d r s"Pe so a a d a v rtsin inur " fo whi h ther n l n d e i g j y r c i sure ha a sum d l a ii y in a co t a t on d s s e i b lt n r c r Tra e n m ;d a e a re m nt Thi e cl sio do s no a pl tog e e . s x u n e t p y Tra e a kd m r ;la ii y f r a a e :i blt o d m g s Tra e se re ; od c t rTha the i sure o l a e i h a se cet n d w ud h v n t e b n Ot e n el ctu l p o e t i h s o a s.h r i t le a r p r y rg t r l wo h co t a t o gr e e t rf t e n r c r a e m n ; o Thi e cl sio d e no p l os x u n o s t a py t :Be a se o "pe so a inu y a sum d byc u f r n l j r " s e y u in a co t a t o a re m nt th t i ao n r c r g e e a s n "Ad e t si g i j ry a i i g o t o a y a tu lv r i n nu " rs n u f n c a "i sure co tr ct , pro i e th t then d n a " vd d a o al g d i fri g m n o voa i n or le e n n e e t r i l t o f "pe so a inu y i ca se by a o f n er n l j r " s u d n f e s a o h r's co y i h , "ti l " o "sl g n" in t e p rg t te r o a n co mt e sub e ue t to th e e uto om i t d s q n e x c i n f y ur "a v rtse e t ; ro d e i m n " o th co t a t o a re m n . Soey fo thee n r c r g e e t l l r An o h r "pe so a a d a v rtsin inu yy t e r n l n d e i g j r "pu po e o li blty a sum d by y u i ar s s f a i i s e o n n al ge in a y clam o "sui " th t asole d n i r t a l"i sure co t a t , re so a l a t r e s'n d n r c " a n be t o n y al ge a y such i f i ge e t o voa i nle s n n r n m n r i l tofe s a d ne e sa y l t ga i n e pe see n c s r i i to x n s o a o h r' co y i ht "ti l " o "sl g n" if n t e s p r g , t e r o a ni cu re by o fo a pa ty o he th n an r d r r r t r a n y ur "a v rtse e t .o d e i m n "i sure wil be de m d to be da a en d l e e m g s be a se o "pe so a i j ry , ro i e h t:c u f r n l n u " p vd d t a Li bl t to such pa t fo , o fo tha i i y r y r r r e co t o , th t pa t ' de e se ha asos f a r ys f n s l "Pe so a a d a v rt si g inur " ca se by ar n l n d e i n j y u d nbe n a sum d by y u in th sa ee s e o e m o fe se co mt e by a i sure who ef n m i t d n n d s"i sure o t a t ; ndn d c n r c " a bu i e s i :s n s s Su h a t r e s' fe s a d l t g t oc t o n y e n i i a i n Ad e t si g "b o d a ti g" o pu lshi g;v r i n , r a c s n r b i ne pe se a e fo de e se o th t pa tx n s r r f n f a r y Pa e 7 o 21g f COMM RCIAL E ERAL IAB LITYE G N L I De ig i g o de e mnn con e t o ne tr lzn , o i a y wa es nn r t r i i g t n f u ai i g r n n y r spo di g on n t , ro we sit s f r o he s; r a se si g th e fe ts o , "pol t n s".b e o t r o s s n e f c f l u a t An In e n t se rch, a ce s, co t nt ot r e a c s n e r se vce p o i e .r i r vd r "Pe so a nd a v rtsi g i j ry a i i g o t o :r n l a d e i n nu " rs n u f Ho e e , thi e cl si n do s no a py tow v r s x u o e t p l Wa , i cl dn n e l re r i i w rr n u i g u d c a d o c vl a ;Pa a ra hr g p s ,a dn o th d fi i i n ff e e nt o o Wa lk a t o by a mlta y fo ce in l dngr i e c i n i i r r , c u i"pe so a i j ry .r n l nu "a to i hi d ri g o de e dng a an t ac i n n n e n r f n i g i s nF r t e p rp se o hs e cl sio :o h u o s f t i x u n a t a o e pe t d a t ck by a yc u l r x c e t a , n Cre t n a d pro uci g co re po de ce go e nm nt so e egn o oa i g n d n r s n n v r e , v r i r t e a t o i yh r u h rt wri t n in the co d ct o y u busin ss, usin ii a y pe so n lt e n u f o r e g mlt r r n e o t e ge t ; or o h r a n s r bul t ns, fi a ci l o a n a re o t , ol e i n n a r n u l p r s r In urre to , re elo , re outo , usurp ds c i n b li n v l i n ene sle te s a o t y u go ds, pro u ts ow t r b u o r o d c r po e , o a ti n ta e by go e n e t lw r r c o k n v r m n ase vce wil no be co si e e ther i s l t n d r d a th ri y i hi d rng o de e di g a anstu o t n n e i r f n n g ibu i e s o u lshi g; a ds n s f p b i n n a y o he en f t s . The pl ci g o fra e , bo d rs o l n s, oa n f m s r e r i k r a v rtsin , fo y u o o he s a y he e od e i g r o r t r n w r n "Pe so a a d a v rtsin inu y a i i g o t or n l n d e i g j r " rs n u fth Int rn t wil no , by i sef, be co si e ee e e l t t l n d r d a y a tu l o al ge voa i n o a y l w th tn c a r l e d i l t o f n a ath bu i e s o a v rtsi g "bro dca ti ge s n s f d e i n , a s n "re tri ts o pro i i s the se dng tr n mt i gs c r hbt n i , a s i tno pu lshi g.r b i n o dstri utn f "un oi i e co m ni a i n".r i b i g o s lc t d m u c t o "Pe so a a d a v rtsin inu y a i i g o t or n l n d e i g j r " rs n u f a ee tro i cha r o o bule i bo rd then l c nc t o m r l t n a "Pe so a a d a v rtsin inu y a i i g o t or n l n d e i g j r " rs n u fi sure ho ts o o ns, o o e whi h then d s r w r v r c a y a ce s to o di cl sure o a y pe so ' on c s r s o f n r ns ri sure x rci e co t o.n d e e s s n r l o ga i a i n' co fi e t a o pe so ar nz t o s n d n i l r r n l i f rm to .n o a i n "Pe so a a d a v rtsin inu y a i i g o t or n l n d e i g j r " rs n u f "Pe so a a d a v rtsin nu y a i i g o tr n l n d e i g i j r " rs n uth una t o i e use o a o he 's na e oe u h rz d f n t r m r o the a tu l o al ge pre e ce o a t a,f c a r l e d s n r c u lpro uct in y ur - al a d e s, o an n m od o e m i d r s d m i a e r al ge r hre t n d i pe sa o a be to ,le d o t a e e ds r l f s s sm ta a , o a y o he siml r ta ti s to msl ae t g r n t r i a c c i e d a be to fi e s o pro u ts co t i i gs s s b r r d c n anna o h rs p t nta usto e s.n t e ' o e i l c m r a be to , pro i e th t th "pe so a a ds s s vd d a e r n l n a v rtsin inur " i ca se o co trbu ed e i g j y s u d r n i t d to by t e h z rd us pro e ti s o sbe to .h a a o p r e f a s s"Pe so a a d a v rtsin inu y a i i g o t or n l n d e i g j r " rs n u f "Pe so a a d a v rtsin nu y a i i g o tr n l n d e i g i j r " rs n uth a tu l al ge o th e te e di cha g ,e c a, l e d r r a n d s r e o the a tu l o al ge pre e ce o a t a,f c a r l e d s n r c u ldi pe sa, se pa e mgra i n, ree se os r l e g , i t o l a r al ge o th e t ne di pe sa o a y soi ,le d r r a e d s r l f n lde ca e o "pol t n s" a ny tm .s p f l u a t t a i e l q i , ga e us o th rm l ir i a t oi u d s o r e a r t n r co ta i a t i cl di g sm k , v po s,n mn n , n u n o e a r An o s, o t o x e se a i in ut o nyy l s c s r e p n r s g o f a :so t fu e , a i s, ak ls, che i as a do , m s c d l ai mc l n wa te a d th t a e pa t o a y cl i os , n a r r f n am rRe ue t, de a d o de o sta ut ry oq s m n , r r r t o r "sui " whi h aso al ge a y "pe so a a dt c l l e s n r n l nre ua o y re ure e t th t a y in ure og l t r q i m n a n s d r a v rtsin inu y de cri e i Pa a r phd e i g j r " s b d n r g ao h r te t fo , m nt r cl a up re o et e s s r o i o , e n , m v ,a o eb v .co tan tre t de o i y o ne t ai e o inn i , a , t xf r u r lz , r An l ss, co t o e p n e a i in o t oy o s r x e s r s g u fany way respond to, or assess the effects o , "pol t n s"; r a yf l u a t o n : Cl i o sui by o o be af o a yam r t r n h l f n Re ue t, de a d o de o sta ut ry oq s m n , r r r t o r re ua o y re ui e e t tha a y i sureg l t r q r m n t n n dgovernmental authority or any other person o o g nz ti n be a se o te ti g fo , o o he s te t fo , mr r a i a o c u f s n r r t r s r o i o , cle n up,n t r a m ni o i g, cl a i g up, re o i g re o e co t i , tre t de oo t r n e nn m vn , m v , n an a , t xfy oi r co tann , tre t ng de o i yng or ne t ai e o i a y wa re pon i i g a i , t xf i u r lz , r n n y s nd to o, r Pa e8 o 21g f COMM RCI L G NERAL IAB LI YE A E L I T a se s the e f ct o , a be to ,s s f e s f s s s Be a se o y u pe a i ns;c u f o r o r to a be to fi e s o pro uct co t i i gs s s b r r d s n ann pro i e ha :vd d t ta be to ; rs s s o The a ci e t ta e pl ce in th "co e a ec d n k s a e v r gCl i o sui by o o be af o a yam r t r n h l f n te rt r " a d uri g t e p lcy pe i dr i o y n d n h oi r o ;go e n e t l a t o i y o a y o h rv r m n a u h r t r n t e The e pe se a e i cu re a d re o t d tox n s r n r d n p r epe so o o ga i a i n be a se or n r r nz to c u f us wit i o e y a o the da e o thehn n e r f t fte ti g fo , m nt rng cl a i g up,s n r o i o i , e nn a ci e t nc d n ; a dre o i g, con ani g tre t ngm vn t i n , a i , de o i yng o ne t ai i g o in a yt xf i r u r l zn , r n The inur d pe so submt to e a i a i nj e r n i s x mn to , wa re po di g to o a se sin the a o r e pe se by phy i i ny s n n , r s s g t u x n , s c a s o o r hocef u c i e fe t o , a be to , a be to fi e s o a o t n s were so a lf c s f s s s s s s b r r s f e a a n by re ui eq r . pro uct co t i i g a be to .d s n ann s s s We wil m k th se pa m nt re a de s ol a e e y e s g r l s f fa l . The e pa m nt wil no e ce d theut s y e s l t x e a plca l li i o i sura ce We wil pap i be mt f n n . l y"Pe so a nur " tor n l i j y :re so a l x e se f r:a n be e p n s oA e so ri in ut o nyp r n a s g o f a :Frst ad a mni te e a the ti e o ai i d i s r d t m f nRe u a o e po ha p rso ;f s l t m l y t t e n a ci e tc d n ; Te mna i n o tha pe so 'sr i to f t r n Ne e sa y m dca, surgi a, X-ra a dc s r e i l c l y ne pl y e t rm o m n ; o de t l se vce , in l dn pro the in a r i s c u i g s tc Em l y e t rea e pra t ce poi y de i e ; npo m n - l t d c i , l c , vc s a d a t o o i si n, such a co rci n,c r ms o s e o Ne e sa y a b l n e ho pi a,c s r m ua c , s t lde o i n, e au ti n re ssi n e tm t o v l a o , a g m n ,pro e si n l nu si g a d un r l se vce .f s o a r n n f e a r i sdi cipi e fa l re to pro o e ors l n , iu m t a v nce ha a sm n , humla i nd a , r s e t ii t o , We wil n t a e pe se fo "bo iy i j r ":l o p y x n s r dl nu ydi crimna i n, li e, sl nd r voa i ns i t o b l a e , i l t o o th pe so 's rig t o pri a yf e r n h f v c , m l ci us pro e uto o fase a re t,ai o s c i n r l r s To a y i sure , x e t "v l n e r o k rs".n n d e c p ou t e w r ede e t o o i p i o m n a pi d t ot n i n r m r s n e t p l e o r di e t d a tha pe so , re a de s or c e t t r n g r l s f whehe such pra ti e poi y a t ot r c c , lc , c r To a pe so hi e to do wo k fo o o be af or n r d r r r n h l f o i si n o curs, i a pi d o isms o c s p l e r a y i sure r t na t f ny i sure .n n d o a e n o a n d co mt e be o e duri g o a t r them i t d f r , n r f e ti e o t a e so 's e po m nt rm f h t p r n m l y e ; o To a pe so inu e o th t pa t o pre i er n j r d n a r f ms sThe spo se chid pa e t bro h r o sisteu , l , r n , t e r r y u o n o re t tha th pe so no m lyo w r n t e r n r alo th t pe so a a co se u nce of a r n s n q e f o cupi s.c e"pe so a i j ry to th t pe so a whor n l n u " a r n t m a y o the e pl y e t rea e pra ti en f m o m n - l t d c c s To a pe so , whehe o no a "e pl y e or n t r r t n m o e " fde cri e in Pa a ra hs b d r g p ,, or a y i sure , i be e i s f r t e "bo iy i j r " a en n d f n f t o h dl nu y rabove is directed. pa a l o m st be pro i e und r a wo k r 'y be r u vd d e r e sThi e cl si n a ple w e he th in ure m ys x u o p i s h t r e s d a co p nsa i n o di a ii y be e i s la o am e to r s b lt n f t w rbe l a l s a e po e r n ny o he a a i yi be a n m l y r o i a t r c p c t si i a a .ml r l wa d t a y o lga i n to sha e da a e wi h on o n b i t o r m g s t r repay someone else who must pay damages be a se o he "pe so a nj ry .c u f t r n l i u "To a pe so i j re whie pra t ci g in tr ct ngr n nu d l c i n , s u i o pa t ci a i g i a y phy ica e e ci e or r i p tn n n s l x r s s r ga e , po t , o a he i co te ts.m s s r s r t l t c n s We wil pa m dca e pe se a de cri el y e i l x n s s s b d In l d d wi hi the "pro uct -co pe ec u e t n d s m l t dbeo o "bo iy i j r " ca se b n cci e tl w f r dl nu y u d y a a d n : o e a i n h z r ".p r t o s a a dOn p e i e y u o n r e tr ms s o w o r n ; On wa s ne t to pre i e y u o n o re ty x ms s o w r n ; or Ex l de u d r o e a ec u d n e C v r g . Pa e 9 o 21g f COMM RCIAL E ERAL IAB LITYE G N L I a sum d by th in ure in th sa e "i sures e e s d e m n d co tr ct ;n a "We wil pa , wi h re pe t to a y cl i wel y t s c n am The al ga i ns i th "sui " a d t e i f r a i nl e t o n e t n h n o m toi v stga e o se tl , o a y "sui " a anst n i suren e i t r t e r n t g i a n d we k o a o t th "o cur e ce o o f n e a en w b u e c r n " r f e s rwe d fe de n : such th t no co flct a p a s to e i t be we na n i p e r xs t eAl e pe se we i curl x n s n .th i t re ts o the i sure a d the i t re ts oe n e s f n d n n e s f th i de nt ee n m i e ;Up to $2 50 fo th co t o bal bo ds re ure, 0 r e s f i n q i d b ca se o a ci e ts o tra f c l w voa i ne u f c d n r f i a i l to s The in e nt e a d the i sure a k us tod m i e n n d s a i i g o t o the use o a y v hi l to whi hrs n u f f n e c e c co du t a d co t o th de e se o than c n n r l e f n f t th Bo iy Inj ry Li bl t Co e a e a pi s. Wee dl u a i i y v r g p l e i d m i e a an t such "sui " a d a re than e nt e g i s t n g e t do no h v t u ni h h se bo ds.t a e o f r s t e n we ca a si n th sa e co n e to de e d thn s g e m u s l f n e i sure nd th i d m i e ; ndn d a e n e n t e aThe co t o bo ds to ree se a ta hm n s, buts f n l a t c e t itonly for bond amounts within the applicable lim The i d m i e :n e n t e o i sura ce We do no ha e to furnsh th sef n n . t v i e Ag e s i w i i g or e n r tn t :bo d .n s Co p r t wi h us in th in e ti a i n,o e a e t e v s g t o Al re so a l e pe se in urre by thel a n be x n s c d se te e t o d fe se o h "sui ";t l m n r e n f t e t i sure a o r re ue t to a sist us in then d t u q s s Im e i t l se d us co i s o a ym d a ey n pe f ni v stga i n o de e se o th cl i o "sui ",n e i to r f n f e am r t d m nd , no i e , sum o se o e ae a s t c s m n s r l g li cl di g a t a l ss o e rnn s up to $5 0 an u n c u l o f a i g 0 pa e s re ev d in co ne to wi h thep r c i e n c i n tda e a se o tm ff fro o ky b c u f i e o m w r ."sui ";t Al co rt co ts ta e a anst th i sure in thel u s x d g i e n d No i y an o h r insure who et f y t e r s "sui ". Ho e e , th se pa m nt do no in l dt w v r e y e s t c u e co e a e i a al be to th i de nt ev r g s v ia l e n m i e ; a t rne s' fe s o a t rn y ' e pe se ta et o y e r t o e s x n s x d a dn a anst h i sure .g i t e n d Co p r t wi h us wi h re pe t too e a e t t s c Preu g e t i t re t a a d d a anst the co rdi a i g o he a plcaj d m n n e s w r e g i o n t n t r p i be i sura cel n n i sure o tha pa t o th j d m n we pa . If a al bl o tn d n t r f e u g e t y v ia e t he i de nt e nn m i e ; a d we m k a o f r to pa the a plca l li i oa e n f e y p i be mt f Pro i e u wt ri t n ut o i a i n tovd s s i h w t e a h rz t o :i sura ce we wil no pa a y preu g e tn n , l t y n j d m n Ob an re o ds a d o h r i f r a i nt i c r n t e n o m toi te e t ba e o tha pe i d o ti e a t r then r s s d n t ro f m f e rea e t h "sui "; ndl t d o t e t ao fe .f r Co du t a d co t o th de e se o t en c n n r l e f n f hAl i t re t o the fu l a o n o a y ju g e tl n e s n l m u t f n d m n i d m i e n uch "sui ".n e nt e i s tth t a crue a t r e tr o th j d m n a da c s f e n y f e u g e t n So lo g a th a o e co dto s a e m t a t r e s'n s e b v n i i n r e , t o n yb fo e we ha e pad, o f r d to pa , oe r v i f e e y r fe s in urr d by us in th de e se o thae c e e f n f tde o it d in co rt th pa t o th ju g e t thap s e u e r f e d m n t i de nt e ne e sa y l tga i n e pe se in urren m i e , c s r i i t o x n s c di wt i h a plca l lmt o n ura ces i h n t e p i be i i f i s n . by us a d ne e sa y l t g ti n e p nse in urre byn c s r i i a o x e s c dThe e pa m n s wil no re u e the l mts os y e t l t d c i i f th i d m i e a o r re u st wil be pad ae n e nt e t u q e l i si sur n en a c .Su pe e t ry Pa m n s. No wi h ta dn thep l m n a y e t t t s n i gIf we de e d a i sure a anst a "sui " a d af n n n d g i t n n pro i i n o Pa a ra hvs o s f r g p o Se t of c i ni d m i e o the in ure i aso na e a a pa tn e nt e f s d s l m d s r y Co e a e Co e a ev r g s v r g Bo iy Inj ry Andl u dto the "sui ", we wil de e d tha i d m i e if al ot l f n t n e nt e l f Pro e ty Da a e Li bii y o Pa a ra hp r m g a lt r r g p ofth f lo i g o dt o s a e m te ol wn c n i i n r e :Se ti nc o Co e a e Co e a ev r g s v r g Pe so ar n l An Adv rtsin Inj ry Li bii y such pa m nt wild e i g u a lt , y e s lThe "sui " a anst the i d m i e se kt g i n e n t e e s no be de m d to be da a e fo "bo iy i j ry ,t e e m g s r dl n u "da a e fo whi h the in ure ha a sum dm g s r c s d s s e "pro e ty da a e o "pe so a inu y , a d wil nop r m g " r r n l j r " n l tth la i i y o th i d m i e in a co t a t oe i blt f e n e nt e n r c r re u e t e l mts o n ura ced c h i i f i s n .a re m nt th t s a "i sure o t a t ;g e e a i n n d c n r c " Thi i sura ce a ple t uch la ii y a sum ds n n p i s o s i b lt s e Ou o l g t o to de e d a in ure ' in e nt er bi a i n f n n s ds d m i e by t e i sure ;h n d a d to pa fo a t rne s' fe s a d ne e sa yn y r t o y e n c s r l t g ti n e pe se a Sup l m n a y Pa m n si i a o x n s s p e e t r y e tThe o lga i n to de e d o the co t o thb i t o f n , r s f e e ds wh nn e :de e se o , tha i d m i e , ha aso be nf n f t n e n t e s l e Pa e10 o 21g f COMM RCI L G NERAL IAB LI YE A E L I T We ha e use up the a plca l lmt o wo k rs" whie pe fo mng duv d p i be i i f r e l r r i ti se i sur n e in th pa m nt o j d m n s, rea e to the co d ct on a c e y e f u g e t l t d n u f y uro se te e t o m dca x e se ; r bu i e s;t l m n s r e i l e p n s o s n s To th spo se chid pa e t, bro he oe u , l , r n t r rThe co dto s se fo t a o e o the te m on i i n t r h b v , r r s f si te o tha co "e pl y e os r f t - m o e " rth a r e e t de cri e i a a ra he g e m n s b d n P r g p a o eb v , "v l n e r wo k r" a a co se u nceou t e r e s n q ea e n o ge e .r o l n r m t o a a r pf P r g a h a o eb v ; F r whi h th re i a y o lga i n too c e s n bi t oIf y u re d si n t d n th De l ra i ns a :o a e g a e i e c a to s sha e da a e wi h o re a so e ner m g s t r p y m oAn in i i ua, y u a d y u spo se a edvd l o n o r u r ese who m st pa da a e be a sel u y m g s c ui sure s, but o l wit re pe t to the co du tn d ny h s c n c o the inur de cri e in Pa a ra hf j y s b d r g po usin ss o hi h o re t e soe o n r.f a b e f w c y u a h l w e or a o e rb v ; oA pa tn rshi o jon v n ure y u a e ar e p r i t e t , o r n Ari i g o t o hi o he pro i i g os n u f s r r vd n ri sure . Y ur m m e s, y u pa t e s, a dn d o e b r o r r n r n falng to pro i e pro e sio a he l hi i vd f s n l atth i spo se a e aso in ure s, bu o l wi her u s r l s d t ny t ca e se vce .r r i sr spe t o t e co du t f o r u i e s.e c t h n c o y u b s n s Unl ss y u a e in th busin ss oe o r e e rA li i e l a ii y co pa y y u a e a i sure .mt d i blt m n , o r n n d o cup ti n o pro i i g pro e sio a he l hc a o f vdn f s n l atY u m m e s a e aso i sure s, bu o l wi ho r e b r r l n d t ny t ca e se vce , Pa a ra hr r i s r g p s ,,re pe t to th co d ct o y ur busin ss. Y us c e n u f o e o r a dn a o e do no a pl to "bo iy i j r "b v t p y dl nu ym na e s a e i sure s, but o l wi h re pe t ta g r r n d ny t s c o a i i g o t o pro i i g o fal n to pro i ers n u f vd n r i i g vdth i u i s a y ur a a e s.er d te s o m n g r fi st ad o "Go d Sa a i a se vce " byr i r o m rt n r i s An o ga i a i n o he th n a pa t e shi , j i tr nz t o t r a r n r p on a y o y ur "e pl y e " o "v l n e rn f o m o e s r ou t e v nt r o l mte l a ii y co p ny y u a e ae u e r i i d i b lt m a , o r n wo k rs", o h r tha a e po e or e t e n n m l y d r i sure . Y u "e e u i e o fi e s" a d di e t rsn d o r x c t v f c r n r c o v l n e r do t r. Any such "e pl y e " oou t e c o m o e s r a e in ure s, but o l wi h re pe t to th ir s d n y t s c er "v l n e r wo k rs" pro i i g o fa lng toou t e r e vd n r ii d ti s a y ur o fi e s o di e t rs. Y uu e s o f c r r r c o o r pro i e fi st ad o "Go d Sa a i avd r i r o m r t n st ck od r a e aso i sure s, but o l wi ho h l e s r l n d ny t se vce " du i g ther wo k ho rs fo y ur i s r n i r u r o re pe t o t er la ii y a sto k od rs.s c t h i i bl t s c h l e wil be de m d to be a tn wi hi thel e e c i g t n sco e o ther e pl y e t by y u op f i m o m n o rA tr st, y u a e a in ure . Y u tru te s a eu o r n s d o r s e r pe f r i g dute rea e to the co d ct or o mn i s l t d n u faso in ure s, but o l wit re pe t to th il s d n y h s c er y ur usin ss.o b ed ti s a t u te s.u e s r s e "Pro e ty d m ge to pr p rt :p r a a " o e yEa h f he fol wi g i aso a i sure :c o t l o n s l n n d Own d, o cupe r se ye c i d o u d b ;Y ur "v l n e r wo k rs" o l whie pe fo mngo ou t e r e ny l r r i Re t d to in the ca e custo y on e , r , d rdu i s rea e to the co du t o y ur busin ss,t e l t d n c f o e co tr l o , o o e whi h phy ican o f r v r c s lo y u "e pl y e ", o h r th n et e y ur o r m o e s t e a i h r o r co tr l i b i g e e ci e fo a yn o s en x r s d r n"e e u i e o f ce s" (i y u a e a o ga i a i nx c t v f i r f o r n r nz t o pu po e b ;r s yo h r tha a pa t e shi , j i t v n u e o l mt dt e n r n r p on e t r r i i e l a ii y co p ny o y u a a e s (i o re ai blt m a ) r o r m n g r f y u a y u, a y o y u "e pl y e ", "v l n e ro n f o r m o e s ou t el mte l a ii y co pa y , but o l fo a tsi i d i bl t m n ) ny r c wo k rs", a y pa t e o m m e i o rer e n r n r r e b r (f y u awi hi the sco e o ther e po m n by y u ot n p f i m l y e t o r a pa t e shi o jon v n u e , o a yr n r p r i t e t r ) r nwhie pe f rmn du i s rea e to the co d ctl r o i g te l t d n u m m e (i y u a e a li i e l a ii ye b r f o r mt d i bl to y ur busin ss. Ho e e , no e o th sef o e w v r n f e co pa y .m n )"e pl y e " o "v l n e r wo k rs" a em o e s r ou t e r e r An pe so (o he tha y ur "e pl y e oy r n t r n o m o e " ri sur d f r:n e s o "v l n e r wo k r"), o a y o g nz t o , whieou t e r e r n r a i a i n l "Bo iy i j r " o "pe so a nur ":dl nu y r r n l i j y a tn s y u e l e ta e m na e .c i g a o r r a s t a g r To y u, to y u pa t e s o e be s (io o r r n r r m m r f An pe so o o g nz to ha i g pro ey r n r r a i a i n vn p ry u a e a pa t e shi o j i t v n u e ,o r r n r p r on e t r )te po a y custo y o y ur pro e ty if y u di ,m r r d f o p r o eto y u m m e s (if y u a e a li i eo r e b r o r mt d bu nl :t o yl a ii y co p n ), to a co "e pl y ei blt m a y - m o e "Wit re pe t to li bl t a i i g o t o theh s c a i i y rs n u fwhie in th co rse o hi o hel e u f s r r m i t na ce o se o t a r p rt ; a dan e n r u f h t p o e y ne pl y e t o pe fo mng dutem o m n r r r i i s rea e to the co du t o y ul t d n c f o r Untl y u l ga re r se t t v ha be ni o r e l p e n a i e s e bu i e s, o to y u o h r "v l n e r a pon e .s n s r o r t e ou t e p i t d Pa e 11 o 21g f COMM RCIAL E ERAL IAB LITYE G N L I Y u l g l re re e t tv if y u di , but o lo r e a p s n a i e o e ny Ari e o t o th o n r hi , m i te a ce os s u f e w e s p an n n r wi h re pe t to duti s as such. Tha use o t a a t o ny pre i et s c e t f h t p r f a ms s l a e o y u.e s d t o re re e ta i e wil ha e al y u rig t a dp s n tv l v l o r h s n The i sura ce pro i e to such pre i e o ne ,n n vd d ms s w rdu i s un e hi Co e a e Pa tt e d r t s v r g r .m na e o l sso i sube t to the fo l wnga g r r e r s j c lo i An pe so o o ga i a i n tha , wi h y u pro i io s:y r n r r nz t o t t o r vs n e pre s o im le co se t, et e use o isx s r p i d n n i h r s r The lmts o i sura ce pro i e to suchi i f n n vd dre po sibe fo the use o a wa e cra t th t y us n l r f t r f a o pre i e o ne , m na e o le so wil be thems s w r a g r r s r ldo no o n th t s:t w a i mnm m l mt th t y u gre d o p o i e i hei i u i i s a o a e t r vd n t 50 fe t o g r e s; a d wri t n co t a t o a r e e t, o the le l n o l s n t e n r c r g e m n r i i smt sho n i he De l ra i ns, hi he e a e l ss.w n t c a t o w c v r r eNo beng use to ca ry a y pe so ot i d r n r n r pro e ty f r ha g .p r o a c r e The in ura ce pro i e to such pre i es n vd d ms s o ne , m na e r e so o s no a pl t :w r a g r o l s r d e t p y oAn o g nz t o y u ne l a qure o fo m o h ry r a i a i n o wy c i r r , t e th n a pa t e shi , jon v nt r o l mt d l a ii ya r n r p i t e u e r i i e i b lt An "bo iy inu y o "pro e ty da a ey dl j r " r p r m g " co p ny a d o whi h y u a e t e soe o n r o i th t o cur , o "pem a , n f c o r h l w e r n a c s r rso a a d a v rti in l n d e s ng whi h y u m i t i a o ne shi in e e t o m r i j ry ca se byc o an an n w r p t r s f o e nu " u d a o fe se tha in f n t s th n 50 , wil qu lfy a a Na e nsure f t e e i co mt e , ft r oa % l ai s m d I d i h r s m i t d a e y u e se to bec a t na t na e n i no o h r siml r in ura ce a al bl to tha th t re i e ; rt e i a s n v ia e t a p ms s o o ga i a i n o e e :r nz t o . H w v r St u tu a ate a i ns, ne co stru ti n or c r l l r to w n c o r Co e a e und r thi pro i i n i a f rde o l de oi i n o e a iv r g e s vs o s f o d ny m l t o p r to s pe fo m dn r r e by o or n un i th 180t da a t r y u a qure o fo m th be af o such p e i e ot l e h y f e o c i r r e h l f r ms s wn r, m na e re a g r o o ga i a i n o the e d o the poi y pe i d, l sso .r nz t o r n f lc ro e r whi he e s e rle ;c v r i a i r An pe so o o g nz t o th t is a e ui m nty r n r r a i a i n a n q p e Co e a ev r g do s no a pl to "bo iy inu y o l sso nd t a o a ee t p y dl j r " r e r a h t y u h v gr e i w i t n coa e d n a r t e ntr cta "pro e ty da a e th t o curre be o e y u o a re m nt to in l dp r m g " a c d f r o r g e e c u e a a a dt o as n d i i n l i sure on d n a q i e r f rm d he o ga i a i n nd ths Co e a e Pa t is ac u r d o o e t r nz to ; a i v r g r n i sure , bun d t o l wi hny t re pe t to l a ii y fo "bo iy i j ry , "pro e tys c i bl t r dl nu " p rCo e a ev r g do s no a py to "pe so a a de t p l r n l n da a e , r "pe so a nd a v rtsi g i j ry th t:m g " o r n l a d e i n nu " aa v rtsin i j ry a i i g o t o a o f n ed e i g nu " rs n u f n f e s co mt e be o e y u a q i e o fo m d them i t d f r o c u r d r r e Is "bo iy i j ry o "pro e ty da a e th tdl n u " r p r m g " a o ga i a i n o cur , o i "pe so a a d a v rtsi g inu yr nz t o . c s r s r n l n d e i n j r " ca se by a o fe se tha is co mt e ,u d n f n t m i t dF r th pu po e o Pa a r po e r s s f r g a h o Se tof c i n subse u nt to the si nng o tha co tr ct oq e g i f t n a rWho Is An In ure , e ch such o ga i a i n wil bes d a r nz t o l a re m nt a dg e e ; nde m d o b e ig a e n t e De l ra i n a :e e t e d s n t d i h c a t o s s Is ca se , in whoe o i pa t, by y u a ts ou d l r n r o r c rAn o g nz to , o he tha a pa t e shi , jonr a i a i n t r n r n r p i t o i si n in the m i t n nce o e a i n o usems o s an e a , p r t o rv nt r r i i e i bii y co pa y re u e o lmt d l a l t m n ; o o e upm n l a e to y u by such e up e tf q i e t e s d o q i m n l sso .e rA rust;t The in ura ce pro i e t such qup e t l sso ss n vd d o e i m n e r ia in i a e in it na e o the do um nt thas dc t d s m r c e s t subj ct to t e fol wi g p o i i n :e h l o n r vs o sgo e n i s str ct rev r t u u . The lmts o i sura ce pro i e to suchi i f n n vd dAn pe so o o g nz t o th t i a pre i ey r n r r a i a i n a s ms s e ui m n e so wl e t e mnm m l mt t aq p e t l s r il b h i i u i i s h to ne , m n g r o l sso a d th t y u ha e a re dw r a a e r e r n a o v g e y u a r e to pro i e i the wri te co tr ct oo g e d vd n t n n a ri a wri t n co t a t o a re m nt to i cl d a an t e n r c r g e e n u e s n a re m nt o the li i s sho n i thg e e , r mt w n ea di i n l in ure o th s Co e a e Pa t is ad t o a s d n i v r g r n De l ra i ns, hi h v r a e l ss.c a t o w c e e r ei sure , but o l wit re pe t to li bl t fo "bo iyn d ny h s c a i i y r dl The i sura ce pro i e to such e up e tn n vd d q i m ni j ry , "pro e ty da a e o "pe so a a dnu " p r m g " r r n l n l sso do s no a pl to a y "bo iy i j ry oe r e t p y n dl n u " ra v rtsin nur " th t:d e i g i j y a "pro e ty da a e th t o curs, o "pe so ap r m g " a c r r n l Is "bo iy i j ry o "pro e ty da a e th t a d a v rt sin inur " cadl n u " r p r m g " a n d e i g j y u e by a o fe ses d n f n th t i co mt e , a t r the e ui m nt l a ea s m i t d f e q p e e soccurs, or is "personal and advertising injury" e pi e .x r sca se by a o fe se tha is co mt e ,u d n f n t m i t d subse u nt to the si nng o tha co tr ct oq e g i f t n a r No pe so o o ga i a i n is a in ure wi h re pe t tor n r r nz to n s d t s ca re m nt a dg e e ; n th co du t o a y curre t o pa t pa t e shi , jone n c f n n r s r n r p i t Pa e12 o 21g f COMM RCI L G NERAL IAB LI YE A E L I T v nt r o l mt d l a ii y co pa y tha is no sho n ae u e r i i e i b lt m n t t w s The a o n sho n fo th Da a e Tom u t w r e m g a Na e In ure in the De l ra i n . Thi pa a ra h Pre i e Re tm d s d c a t o s s r g p ms s n e To Y u Li i i thd o mt n e do s no a pl to a y such pa t e shi , jon v nt re o De l rae t p y n r n r p i t e u r c a t o s o hi Co e a e Pai n f t s v r g rt o; r l mte l a ii y co pa y tha o h rwi e quai i s a ai i d i blt m n t t e s l f e s n $3 0 0 0 if no a o nt i sho n fo the0 , 0 m u s w r i sure n e e t on d u d r S c i n Who I A nsure .s n I d Da a e To Pre i e Re t d To Y u Li i im g ms s n e o mt n th De l ra i ns o hs Co e a e Pa te c a to f t i v r g r . Su j ct to Pa a r pb e r g a h a o e the M dcab v , e i lThe Li i s o Insura ce sho n i th De l ra i nsmt f n w n e c a t o Ex e se Li i i th m st we wil pa und rp n mt s e o l y ea d th rul s beo fi the m st we wil pan e e l w x o l y Co e a ev r g fo al m di a e p nse be a se or l e c l x e s c u fr ga de s o he nu be f:e r l s f t m r o "bo iy i j r " su tan d y a y o e p rso .dl nu y s i e b n n e nIn ure s;s d The Li i s o Insura ce o thi Co e a e Pa t a plmt f n f s v r g r p yCl i s m de o "sui s" bro gh ; oam a r t u t r se a a ey to e ch co se utv a n a pe i d a d to a yp r t l a n c i e n u l r o n n re ani g pe i d o l ss th n 12 m nt s, sta tn wi hm i n ro f e a o h r i g tPe so s o o ga i a i n m kng cl i s or n r r nz t o s a i am r th be i nn o the poi y pe i d sho n i thee gn i g f lc ro w nbri gng "sui s".n i t De l ra i ns, une s the poi y pe i d is e t nd d a t rc a t o l s l c ro x e e f eThe Ge e a Agg e a e Lmt s t e m st e wil p yn r l r g t i i i h o w l a i sua ce fo a a di i n l pe i d o le s th n 12s n r n d t o a r o f s afo he sum o :r t f m nt s. In th t ca e th a dt o a pe i d wil beo h a s , e d i i n l r o lM di a x e se un e o e a ee c l e p n s d r C v r g ;de m d pa t o h l st re e i g e i d o urp se oe e r f t e a p c d n p ro f r p o s f de e mnng th Lmts o nsura cet r i i e i i f I n .Da a e unde Co e a em g s r v r g , e ce t da a ex p m g s be a se o "bo iy i j ry o "pro e ty da a ec u f dl n u " r p r m g " i cl d d in th "pro uct -co pe e o e a i nsn u e e d s m l t d p r t o ha a d ; ndz r " a Da a e u d r Co e a em g s n e v r g .Ba k up cy o i sov ncy o th i sure o o thn r t r n l e f e n d r f eThe Pro u ts-Co pl t d Ope a i ns Aggr g ted c m e e r t o e a i sure ' e ta e wil no rei v us o o r o lga i nn ds s t l t l e e f u b i t o sLi i i th m st we wil pa un e Co e a emt s e o l y d r v r g for un e hi Co e a e Pa td r t s v r g r .da a e be a se o "bo iy inu y a d "pro e tym g s c u f dl j r " n p r da a e i cl de i the "pro uct -co pe em g " n u d n d s m l t d o e a i n h z rd .p r t o s a a " Y u m st se to i th t we a e no i i d a so no u e t a r t f e s oSu j ct to Pa a r pb e r g a h a o e th Pe so a Andb v , e r n l a pra ti a l o a "o cur e ce o a o f n es c c be f n c r n " r n f e sAd e t si g Inu y Li i is the m st we wil pav r i n j r mt o l y whi h m y re ul i a clam To the e t nc a s t n i . x e tun e Co e a ed r v r g fo the sum o al da a er f l m g s po si l , no i e sho l n l d :s b e tc ud i c u ebe a se o al "pe so a i j ry a d "a v rt sinc u f l r n l nu " n d e i g Ho , whe a d whe e the "o cur e ce ow n n r c r n " ri j ry sustan d y a y o e pe so r r a i a i nnu " i e b n n r n o o g nz t o . o fe se t o l cef n o k pa ;Su j ct to Pa a r pb e r g a h or a o e whi he eb v , c v r The na e a d a dr sse o a y inur dm s n d e s f n j ea ple , the Ea h Occurr n e Li i i th m st wep i s c e c mt s e o pe so s a d i n sse ; ndr n n wt e s awil p y fo he sum o :l a r t f The na ur a d l ca i n o a y i j ry ot e n o t o f n n u rDa a e u d r Co e a em g s n e v r g ; nda da a e a i i g o t o th "o cur e ce om g rs n u f e c r n " rM di a x e se un e o e a ee c l e p n s d r C v r g ;o fe sef n .be a se o al "bo iy i j ry a d "pro e ty da a ec u f l dl nu " n p r m g "If a cl i i m de o "sui " i bro g t a anstam s a r t s u h g ia i i g o t o a y o e "o cur e ce .rs n u f n n c r n "a y i sure , y u u t:n n d o m sF r the pur o e o de e mni g the a plca lo p s s f t r i n p i be Im e i t l re o d th spe i i s o them d a ey c r e c f c fEa h Occurr n e Li i , al rea e a t oc e c mt l l t d c s r cl i r "sui " a d he da e r cev d ndam o t n t t e i e ; ao i si n co mt e i pro i i g o falng toms o s m i t d n vdn r i i No i y us a so n a pr ct ca l .t f s o s a i b epro i e fi st ad o "Go d Sa a i a se vce " tovd r i r o m rt n r i s a y o e pe so wil be de m d to be o en n r n l e e n Y u m st se to i tha e r cev ri t n o i eo u e t t w e i e w t e n t c"o cur e ce .c r n "o h cl i o "sui " a so n a pra t ca l .f t e am r t s o s c i b e Su j ct to Pa a r pb e r g a h a o e th Da a e Tob v , e m g Y u a d ny o he n ov d n ure m st:o n a t r i v l e i s d u Pre i e Re t d To Y u Li i i the m st we wilms s n e o mt s o l Im e i t l se d us co i s o a ym d a ey n pe f npa und r Co e a ey e v r g fo da a e be a se or m g s c u f de a d , no i e , sum o se o le am n s t c s m n s r g l"pre i e da a e to a y o e pre i e . Thems s m g " n n ms s pa e s re ev d in co ne ti n wit thp r c i e n c o h eDa a e To Pre i e Re t d To Y u Li i wl em g ms s n e o mt i l b :cl i r "sui ";am o t Pa e 13 o 21g f COMM RCIAL E ERAL IAB LITYE G N L I Au h ri e us to o tan re o d a d o h rt o z b i c r s n t e An e e u i e o f ce o di e to ox c t v f i r r r c r f i f rm to ; a y o h r r a i a i n rn o a i n n t e o g nz t o ; o Co p r t wi h us i th in e ti a i n oo e a e t n e v s g t o r A ruste f ny t u t;t e o a r s se te e t o the cl i o de e se a anstt l m n f am r f n g i th t is y u pa t e , jon v n u ea o r r n r i t e t rth "sui "; nde t a m m e , m na e o ru te ; re b r a g r r t s e o Assi t us, upo o r re ue t, i thes n u q s n An e po e a t o i e by suchy m l y e u h rz de fo ce e t o a y ri h a an t a yn r m n f n g t g i s n pa t e shi , j i t v n ure li i er n r p on e t , mt dpe so o o ga i a i n whi h m y be l a lr n r r nz to c a i be l a ii y co p ny trust or ot ei blt m a , h rto th i sure be a se o inu y o da a ee n d c u f j r r m g o ga i a i n to gi e no i e o ar nz t o v t c f nto whch hi i sura ce m y aso a pyi t s n n a l p l ."o cur e ce o o fe sec r n " r f n . No in ure wil e ce t a th t in ure 's o ns d l , x p t a s d w No i e to us o such "o cur e ce ot c f c r n " rco t, v l nt riy m k a pa m n , a sum a ys ou a l a e y e t s e n o fe se wil be de m d to be gi e a so nf n l e e v n s oo l g ti n o in ur a y e pe se o h r tha fobi a o , r c n x n , t e n r a pra ti a l i it is gi e i go d fath as c c be f v n n o i sfi st i , wi h u o r o se t.r ad t o t u c n n so n a pra ti a l to y u wo k r 'o s c c be o r r e s co p nsa i n in ure . Thi a pi s o l ifm e to s r s p l e n yThe fol wi g pro i io s a py to Pa a ra hl o n vs n p l r g p y u subse ue tl gi e no i e to us o theo q n y v tc fa o e bu o l fo pur o e o th in ura ceb v , t ny r p s s f e s n "o cur e ce o o fe se a so n ac r n " r f n s o spro i e un e t i Co e a e Pa t o y u o a yvd d d r h s v r g r t o r n pra t ca l a t r a y o th pe so sc i be f e n f e r ni sure l ste i Pa a r pn d i d n r g a h or o Se ti nf c o de cri e in Pa a ra hs b d r g p or a o eb vWho I A nsure :s n I d di co e s tha th "o cur e ce o o fe ses v r t e c r n " r f nNo i e to us o such "o cur e ce ot c f c r n " r m y re ul in sum to whi h the in ura cea s t s c s no fe se m st be gi e a so n af n u v n s o s pro i e un e ths Co e a e Pa t m yvd d d r i v r g r apra t ca l o l a t r th "o cur e ce oc i be ny f e e c r n " r a pl .p y o fe se is k o n to y u (i y u a e af n n w o f o r n Ho e e , i thi poi y i cl de a e do se e tw v r f s lc n u s n n r m ni dvdu l , a y o y u pa tn rs orn i i a) n f o r r e th t pro i e li i e co e a e fo "bo iy i j rya vd s mt d v r g r dl nu "m m e s who i a in i i u l (if y u a e ae b r s n d vd a o r o "pro e ty da a e o pol ti n co ts a i i gr p r m g " r l u o s r s npa t e shi o jon v n ure , a y o y ur n r p r i t e t ) n f o r o t o a di cha ge ree se o e ca e ou f s r , l a r s p fm na e s who is a in i i u l (i y u a e aa g r n d vd a f o r "pol t n s" whi h co t i s a re ui e e t thal u a t c n an q r m n tl mte li blty co p n ), a y o y ui i d a i i m a y n f o r th di cha ge ree se o e ca e o "pol t n s"e s r , l a r s p f l u a t"e e u i e o f ce s" o di e to s (i y u a ex c t v f i r r r c r f o r m st be re o te to us wi hn a spe i i n m eu p r d t i c f c u b ra o g nz t o o h r tha a pa t e shi ,n r a i a i n t e n r n r p o da s a t r i s a ru t co m n e e t, thsf y f e t b p m e c m n ij i t v nt re o li i e l a ii y co pa y ,on e u , r mt d i bl t m n )Pa a r pr g a h do s n t a fe t t a e ure e t.e o f c h t r q i m na y o y ur tr ste s who is a i dvdu l (ifn f o u e n n i i a y u a e a trust) o a y "e pl y eo r r n m o e " No pe so o o g nz t o ha a ri h und r th sr n r r a i a i n s g t e ia t o i e by y u to gi e no i e o au h r z d o v tc f n Co e a e P rtv r g a :"o cur e ce o o fe sec r n " r f n . To jon us a a pa t o o h r i e bri g us i ti s r y r t e ws n n oIf y u a e a pa t e shi , jon v n ureo r r n r p i t e t ,a "sui " a ki g o d m ge f o n n ure ; ot s n f r a a s r m a i s d rl mte li blty co pa y o tru t, a d no ei i d a i i m n r s n n To sue us o ths Co e a e Pa t unl ss al on i v r g r e l fo y ur pa t e s, jon v nt r m m e s,f o r n r i t e u e e b r i s t rm ha e be n ul co pi d i ht e s v e f l y m l e wt .m na e s o t u te s a e i di i u l , o i ea g r r r s e r n vd as n t c to us o such "o cur e ce o o f nse m stf c r n " r f e u A pe so o o ga i a i n m y sue us to re o e or n r r nz to a c v r nbe gi e a so n a pra ti a l o l a t rv n s o s c c be ny f e a a r e se te e t o o a fi a ju g e t a anstn g e d t l m n r n n l d m n g i th "o cur e ce o o fe se i k o n ye c r n " r f n s n w b :a in ure ; but we wil no be li be fo da a en s d l t a l r m g s th t a e no pa a l und r th te m o thsa r t y be e e r s f iAn ndvdu l w o i :y i i i a h s Co e a e Pa t o tha a e i e ce s o thev r g r r t r n x s f A pa t e o m m e o a yr n r r e b r f n a plca l l mt o in ura ce An a r e se tl m np i be i i f s n . g e d t e e t pa t e shi r on e t r ;r n r p o j i t v n u e m a s a se tl m n a d ee se o i bl t ig e ye n t e e t n r l a f l a i i y s n d b us, the i sure , a d the cl i a t o th clam n 'n d n am n r e i a tsA m na e o a y l mte l a ii ya g r f n i i d i b lt l ga e r se ta i ee l r p e n t v .co p nym a ; Pa e14 o 21g f COMM RCI L G NERAL IAB LI YE A E L I T Tha i in ura ce fo "pre i et s s n r ms s da a e ;m g "If v ld a d col cti l o h r i sura ce is a al bl oai n l e be t e n n v ia e t If th lo s a i e o t o thee s r s s u fth i sure fo a lo s we co e unde Co e a ee n d r s v r r v r g s m i t na ce o use o arcra tan e n r f i f ,or o ths Co e a e Pa t o r o lg t o s a ef i v r g r , u bi a i n r "a t s" o wa e cra t to the e t ntu o r t r f x el mte a de cri e i a a ra hi i d s s b d n P r g p s a dn beo .l w no subj ct to a y e cl sio i th st e n x u n n iAs use a y he e in ths Co e a e Pa t o h rd n w r i v r g r , t e Co e a e Pa t th t a ple tov r g r a p i si sura ce m a s in ura ce o th fun i g on n e n s n , r e dn f arcra t "a t s" o w t rcra ti f , u o r a e f ;l sse , ha s p o i e y hr u h o o b haf o :o s t t i r vd d b , t o g r n e l f Tha is in ura ce a al bl to at s n v ia eAn t e i sura ce co pa yo h r n n m n ;pre i e ow e , m na e orms s n r a g r Us o n f ur ff la e n ura ce co pa i s,r a y o o a i i t d i s n m n e l sso th t quai i s a a in uree r a lf e s n s d e ce t whe th No cum l t o o Ea hx p n e n ua i n f c un e Pa a ra hd r r g p o Se t of c i n Occurr n e Li i pro i io o Pa a ra he c mt vs n f r g p of Who Is An Insure , e ce t whed x p n Se ti nc o Li i s Of Insura ce o th Nomt n r e n Pa a r pr g a h beo ppi s; rl w a l e o cum l ti n o Pe so a a d Adv rt sin Inurua o f r n l n e i g j y Tha is i sura ce a al be to at n n v i a l nLi i pro i io o Pa a ra hmt vs n f r g p o Se ti nf c o e ui m n l sso th t quai i s aq p e t e r a lf e sLi i s o In ura ce a pi s be a se thmt f s n p l e c u e a in ure unde Pa a r pn s d r r g a h ofAm n m n No Cum l t o Of Ea he d e t n ua i n c Se ti nc o Who Is An Insure ,dOccurr n e Li i Of Li bii y And Noe c mt a l t n e ce t whe Pa a ra hx p n r g p beol wCum l t o Of Pe so a A d Ad e tsi g Inj ryua i n r n l n v r i n u a ple .p i sLi i e do se e t i i cl de n ths poi ymt n r m n s n u d i i l c ;An o the o h r i sura ce whehey f t e n n , t rAn i k e e ti n gro p; oy r s r t n o u r pri a y e ce s, co tn e t o o a ym r , x s n i g n r n n o h r ba is, tha i a al bl to tht e s t s v ia e eAny self-insurance method or program, in i sure whe the i sure is an d n n d nwhich case the insured will be deemed to be th p o i e f o h r i sura ce a di i n l i sure , o is a y oe r vd r o t e n n . d t o a n d r n th re i sure tha do s no qu lfy a an d t e t ai sOt e in ura ce do s no in l d um relh r s n e t c u e b l a na e i sure , un e such o h rm d n d d r t ei sura ce o e ce s in ura ce th t wa bo g tn n , r x s s n , a s u h i sura cen n .spe i i al to a py in e ce s o th Li i s oc f c l y p l x s f e mt f Whe ths i sura ce i e ce s, we wiln i n n s x s lIn ura ce sho n in the De l ra i ns o thss n w c a t o f i ha e no dut und r Co e a ev y e v r g s or toCo e a e P rtv r g a . de e d th i sure a anst a y "sui " i a yf n e n d g i n t f nAs use a y he e in ths Co e a e Pa t o h rd n w r i v r g r , t e o h r in ure ha a du y to de e d thet e s r s t f ni sure m a s a pro i e o o h r in ura ce Asn r e n vd r f t e s n .i sure a an t tha "sui ". If no o h rn d g i s t t t euse in Pa a ra hd r g p beo , in ure m a s al w s r e n i sure de e d , we wil un e t k t o son r f n s l d r a e o d ,pro i e f n ura cevd r o i s n .bu we wil b ntt e t h i sure ' ri h st l e e i l d o t e n ds g t a anst l h se o h r nsur r .g i al t o t e i e s Whe thi in ura ce i e ce s o e o h rn s s n s x s v r t eThi insura ce is pri a y ex e t whes n m r c p n i sura ce we wil pa o l o r sha e o then n , l y ny u r fPa a r pr g a h beo a ple . If ths i sura ce il w p i s i n n s a o nt o the lo s, i a y th t e ce d them u f s f n , a x e spri a y o r o l g ti n a e no a f cte une sm r , u bi a o s r t f e d l s sum o :fa y o th o h r i sura ce is aso pri a yn f e t e n n l m r . The to a a o nt tha al such o h rt l m u t l t eThe , we wil sha e wi h al t a o he n ura cen l r t l h t t r i s n i sur n e wo l pa fo th lo s i thn a c u d y r e s n eby t e m th d e cri e n Pa a r ph e o d s b d i r g a h beo ,l w a se ce o hi i sura ce nb n f t s n n ; a de ce t h n a a ra hx p w e P r g p beo ppi s.l w a l e The to a o al de u ti l a d seft l f l d c be n l - i sure a o nt unde al th t o h rn d m u s r l a t e Thi i sura ce i e ce s o e :s n n s x s v r i sur n en a c . We wil sha e the re anng l ss, if a yl r m i i o n ,An o the o he in ura ce whehey f t r s n , t r wi h a y o he in ura ce th t i not n t r s n a s tpri a y e ce s, co tn e t o o a ym r , x s n i g n r n n de cri e in thi Ex e s Insura ces b d s c s no h r b si :t e a s pro i i n a d wa no bo g t spe i i al tvs o n s t u h c f c l y oTha is Fi e Exe d d Co e a et r , t n e v r g ,a pl i e ce s o the Li i s o In ura cep y n x s f mt f s nBul e ' Ri k In tal t o Risk oid rs s , s la i n r sho n i th De l r t o s o thi Cov r gw n e c a a i n f s e a esi i a o e a e fo "y ur o k ;ml r c v r g r o w r "Pa tr . Pa e 15 o 21g f COMM RCIAL E ERAL IAB LITYE G N L I The sta e e t in th De l ra i ns a et m n s e c a t o r a cura e a d co pe ec t n m l t ;If al o the o he i sura ce pe mt co t i utol f t r n n r i s n r b i n by e u l sha e , w il fol w t i m t o l oq a r s e wl lo hs e h d as .Tho e sta e e ts a e ba e upos t m n r s d n Und r ths a pr a h e ch in ure co t i ut s re re e t ti n y ue i p o c a s r n rb e p s n a o s o a e to us; nm d a d e ua a o n s untl it ha pad it a plca lq l m u t i s i s p i b e We ha e i sue ths poi y i rei n e up nv s d i l c n la c ol mt o in ura ce o no e o th l ss re ans,i i f s n r n f e o m i y ur e re e ta i ns.o r p s n t owhi he e o e fi st.c v r c m s r The uni te ti n l o i sio o , o uni t n i na e ron n o a ms n f r n e to l r rIf a y o th o h r i sura ce do s no pe mtn f e t e n n e t r i i , a y i f rm ti n pro i e by y u whi h we rei dn n n o a o vd d o c l eco trbu i n by e u l sha e , we wil co t i utn i t o q a r s l n r b e up n i issui g ths poi y wil no preu i e y uo n n i lc l t j dc o rby l mt . Und r ths m t o , e ch i sure 'si i s e i e h d a n r ri ht unde th s in ura ce Ho e e , thi pro i i ng s r i s n . w v r s vs osha e is ba e o the ra i o i s a pi a l i ir s d n to f t p l c be lmt do s no a f ct o r ri h to col ct a di i n le t f e u g t le d t o ao in ura ce to th to a a plca l li i s of s n e t l p i be mt f pre i m o to e e ci e o r rig t o ca cel t o omu r x r s u h s f n la i n ri sura ce o l nsure s.n n f al i r no re e a i cco d nce wt ppi a l n ura cen n w l n a r a i h a l c b e i s n l ws o e ul t o s.a r r g a i n If y u spe i i al a re i a wri t n co t a t oo c f c l y g e n t e n r c r Ex e t wi h re pe t to the Li i s o In ura ce a dc p t s c mt f s n , na re m nt tha the i sura ce a fo d d to ag e e t n n f r e n a y ri h s o du i s spe i i al a sig e i thsn g t r t e c f c l y s n d n ii sure un e hi Co e a e Pa t m st p l nn d d r t s v r g r u a py o Co e a e Pa t to the fi st Na e Insure , th sv r g r r m d d ia pri a y ba i , o a pri a y a d no -m r s s r m r n n i sura ce a ple :n n p i sco trbu o y ba is, ths i sura ce is pri a y ton i t r s i n n m r As i e ch Na e In ure we e the o lf a m d s d r nyo h r in ura ce th t i a al bl o such i suret e s n a s v ia e t n d Na e n ure ; ndm d I s d awhi h o e s such n ure a a n m d i sure ,c c v r i s d s a e n d Se a a ey to e ch in ure a an t who cl ip r t l a s d g i s m ama d we wil no sha e wi h th t o h r in ura cen l t r t a t e s n ,i m d o "sui " i b o g ts a e r t s r u h .pro i e ha :vd d t t The "bo iy i j ry o "pro e ty da a e fodl nu " r p r m g " r whi h co e a e i so gh o cur ; ndc v r g s u t c s a If the i sure ha ri h s to re o e al o pa t o a yn d s g t c v r l r r f nThe "pe so a a d a v rt sin i j ry for n l n d e i g n u " r pa m n we ha e m d unde thi Co e a e Pa ty e t v a e r s v r g r ,whi h co e a e is so gh i ca se by ac v r g u t s u d n th se ri ht a e tra sfe re t us. he i sure usto g s r n r d o T n d mo fe se t a i co mt e ;f n h t s m i t d do no hng a te l ss to i p i th m At o r re u st,t i f r o m ar e . u q esubse u nt to the si nng o tha co tr ct oq e g i f t n a r th i sure wil bri g "sui " o tra sfe tho e ri h se n d l n t r n r s g ta re m nt by y ug e e o .to us a d h l s e f rce t e .n ep u n o h m We wil co p t al p e i m f r hs Co e a el m u e l r mu s o t i v r g If we d ci e n t o r n w hs Co e a e P rt e wile d o t e e t i v r g a , w lPa t i cco d nce wt ur ue a d a e .r n a r a i h o r l s n r t s m i o dei e to th fi st Na e In ure sho n inal r lv r e r m d s d wPre i m sho n in ths Co e a e Pa t amu w i v r g r s th De l ra i n wri te no i e o the no r n wae c a to s t n tc f n e e la v nce pre i m i a de o i pr mum o l . Ad a mu s p s t e i ny t no l ss th n 0 da s be o e t e e pi a i n da et e a 3 y f r h x r t o t .th clo e o e ch a dt pe i d we wil co p te s f a u i r o l m u e If no i e is m ie , pro f o m i i g wil be suffi i nt c al d o f al n l c e tth e rn d pre i m fo th t pe i d a d se de a e mu r a ro n n pro f f o i eo o n tc .no i e t th fi st Na e I sure . The du da et c o e r m d n d e t fo a di a d re ro pe ti e p e i m i t e d tr u t n t s c v r mu s s h a e "shown as the due date on the bill. If the sum of Ad e tse e t" m a s a no i e th t s br a ca t ov r i m n e n tc a i o d s r pu lshe to the ge e a pubi o spe i i m rb i d n r l l c r c f c athe advance and audit premiums paid for the k te poi y pe i d is gre te tha the e rn dl c r o a r n a e se m nt a o t y ur go ds, pro u ts o ser i eg e s b u o o d c r vc s fo th purp se o a t a ti g custo e s or e o f t r c n m r rpremium, we will return the excess to the first Na e nsure . supp rt r . o h p r o e o hi de i i i nm d I d o e s F r t e u p s s f t s f nto : The fi st Na e In ure m st k e re o d or m d s d u e p c r s f No i e th t a e publshe i cl de m t rat c s a r i d n u a e i l th in o m t o we ne d fo pre i m pl ce o the Int rn t o oe f r a i n e r mu a d n e e r n siml r ee tr ncia l c o i co p t ti n a d se d us co i s a such t m sm u a o , n n pe t i e m a s o co m ni a i n; a de n f m u c to n a wem y re u st.s a q e Re a di g we sit s, o l tha pa t o a we si eg r n b e ny t r f b t th t is a o t y u go d , pro u ts o se vcea b u o r o s d c r r i s fo th pur o e o a t a t ng custo e s or e p s s f t r c i m r rBy a ce ti g t i p l cy o gre :c p n hs oi , y u a e supp rt r i co si e e a a v rtse e to e s s n d r d n d e i m n . Pa e16 o 21g f COMM RCI L G NERAL IAB LI YE A E L I T "Ad e t si g i j ry :v r i n nu "In by o wit a y o he ee t o i m a s o, r h n t r l c r nc e n f co m nca i n such a th In e n t, if tham u i t o , s e t r e tM a s inur ca se by o e o m re o thee n j y u d n r o f m te i l i p r f:a ra s a t ofol wi g o fe se :l o n f n s Ra i o tee i i n pro r m i g bengdo r l vs o g a mn iOra o writ e pubi a i n incl di gl r t n l c t o , u n tr n mt e ;a s i t dpu lca i n by ee t o i m a s, o m t ri lb i t o l c r nc e n f a e a i y ur "a v rt se e t th t sla d rs on o d e i m n " a n e r Ot e en e tan e t e uca i n lh r t r i m n , d t o a,l b l a pe son or or a i a i n ori es r g nz t o i structi n l m si o ne s pro r m i gn o a, u c r w g a mndi pa a e a pe so ' o o ga i a i nss r g s r ns r r nz t o 'ben ra smt e ; oi g t n i t d rgo ds, pro u ts o se vce , pro i e thao d c r r i s vd d t th clam i m d o he "sui " i b o g t bye i s a e r t t s r u h Ad e t si g tra smt e wi h a y o suchv r i n n i t d t n f a pe so o o g ni a i n h t cl i s to ha er n r r a z to t a am v pro ra mn .g m i g be n sla d re o li ee , o tha clam toe n e d r b l d r t i s "Co e a e t rri o y m a s:v r g e t r " e nha e ha it go ds, pro uct o se vcev d s o d s r r i s di pa a e ;s r g d The Uni e Sta e o Am ri a (i cl di g i st d t s f e c n u n t te rt re a d po se si ns), Pue t Ri o a dr i o i s n s s o r o c nOra o writ e pubi a i n incl di gl r t n l c t o , u n Ca a an d ;pu lca i n by ee t o i m a s, o m t rab i t o l c r nc e n f a e i l i o r "a v rtse e t th t:n y u d e i m n " a In e na i na wa e s o arspa e but o l if thet r to l t r r i c , ny Ap ro ri t s a pe so ' na e v i ep p a e r ns m , oc ,i j ry o da a e o curs in th co rse o tra enu r m g c e u f v l ph t gr p r i e e s; oo o a h o l k n s r o tra spo t t o be w e a y pl ce in l d dr n r a i n t e n n a s c u e i Pa a r pn r g a h a o e rb v ; oUnre so a l pl ce a pe so in aa n b y a s r n fase lgh ; rl i t o Al o h r pa t o th wo l if th i j ry ol t e r s f e rd e n u r da a e a i e o t o :m g rs s u fIn rng m nt o co y i ht "ti l " o "sl g n"f i e e f p r g , t e r o a i y u "a v rt se e t , pro i e tha thn o r d e i m n " vd d t e Go ds o pro uct m d o sod by y u ino r d s a e r l o cl i i m d o th "sui " i bro gh by aam s a e r e t s u t th te ri o y de cri e i Pa a r pe r t r s b d n r g a hpe so o o ga i a i n tha clamr n r r nz to t i s a o eb v ;o ne shi o such co y i ht "ti l " ow r p f p r g , te r The a ti i i s o a pe so who e ho e i ic vte f r n s m s n"sl g n .o a "th te ri o y de cri e i Pa a r pe r t r s b d n r g a hIn l d s "bo iy inur " ca se by o e o m rc u e dl j y u d n r o e a o e but i a a fo a sho t ti e o y urb v , s w y r r m n oo the o f n e de crib d in Pa a ra hf f e s s s e r g p bu i e s; rs n s oa o eb v ."Pe so a a d a v rtsin i j ry o fe ser n l n d e i g n u " f n s"Au o m a s:t " e n th t ta e pl ce th o g th In e ne oa k a r u h e t r t r A l nd m t r v hcl , tral r o se i r iea o o e i e ie r mt al r si i a l ct o i m a s o o m nca i nml r ee r nc e n f c m u i to ; de i n d fo tra e o pubi ro ds, i cl di gs g e r v l n l c a n u n pro i e the insure ' re po siblty to pavd d ds s n ii ya y a t che a hi e y o qupm n ; rn t a d m c n r r e i e t o da a e is de e mn d in a "sui " o th m rt im g s t r i e t n e e i s n An o he la d v hcl th t is sub e t to ay t r n e i e a j c th te ri o y de cri e i Pa a r pe r t r s b d n r g a h a o e o ib v , r n a co p l o y o fi a ci l re po si ii y la , om us r r n n a s n b lt w r se te e t we a re ot l m n g e t . o h r m to v hi l i sura ce l w, whe e i it e o r e c e n n a r t s "El ct o i da a m a s in o m t o , fa t oe r n c t " e n f r a i n c s rl ce se r ri ci al a a e .i n d o p n p ly g r g d pro ra s sto e a o o , cre te o use o , og m r d s r n a d r d n rHo e e , "a t " do s no in l d "m biew v r u o e t c u e o l tr n mt e to o fro co pu e so tw r (i cl dnga s i t d r m m t r f a e n u ie ui m n ".q p e t sy te s a d a pi a i ns so tw r ) ha d o fl p ys m n p l c t o f a e , r r o p "Bo iy i j r " m a s:dl nu y e n di ks, CD-ROM , ta e , dri e , cels, da as s p s v s l t pro e sin de i e o a y o h r m di whi h a ec s g vc s r n t e e a c rPh si a ha m i cl di g si kn ss o di e sey c l r , n u n c e r s a , use i h ee t o i al co t ol d e ui m n .d wt l c r n c l y n r le q p e tsustan d y a pe so ; oi e b r n r M nt l a g i h, i j ry o i l e s, o e o i n le a n u s n u r l n s r m t o a "Em l y e i cl de a "l a e wo k r". "Em l y epo e " n u s e s d r e po e " di tre s, re ul i g a a y ti e fro suchs s s tn t n m m do s n t i cl d "te po a y wo k r .e o n u e a m r r r e " ph si a h rm i k e s o di e sey c l a , s c n s r s a ."Ex cut v o f ce " m a s a pe so hodi g a y oe i e f i r e n r n l n n f"Bro dca ti g m a s tra smttn a y a do oa s n " e n n i i g n u i r th o fi e po ito s cre te by y u cha t r,e f c r s i n a d o r r evsua a e i l fo ny p r o ei l m t r a r a u p s :co sti u i n bya s o a y o h r siml r go e nngn t t o , l w r n t e ia v r i do um n .c e tBy ra i o ee i io ; odo r t l vs n r Pa e 17 o 21g f COMM RCIAL E ERAL IAB LITYE G N L I "Go d Sa a i a se vce " m a s a y e e g n y tr ck , ro db do m r t n r i s e n n m r e c a s a e s, tu n l und r a sn e, e p s or m di a se vce fo whi h no co p n a i n is cro sin ;e c l r i s r c m e s t o s g de a d d r e ev dm n e o r c i e .Tha i d m i i s a a chi e t, e gne r ot n e nf e n r t c n i e r "Ho ti e fi e m a s a fi e whi h be o e surv y r o i j ry o a as l r " e n r c c m s e o f r n u r d m g ri in ut o :e a s g o f un o tr l a l o bre k o t fro whe e i wac n ol b e r a s u m r t s Pre a i g a pr vng o fal n top rn , p o i , r ii gi t nd d o b .n e e t e pr pa e or ap r v , m p , shoe r p o e a s p "Im are pro e t " m a s ta gbl pro e t , o he dra i g , o ip i d p r y e n n i e p r y t r wn s pno s, re o ts, survi n p r e s,y th n "y ur pro uct o "y ur wo k , tha ca n t be fi l o d rs, cha ga o d " r o r " t n o ed r e n e o d rs o ra i gsr e r d wn use r s l ss use u e a se a d pe i i a i ns; rd o i e f l b c u : n s c f c t o o It i co po a e "y ur pro uct o "y ur wo kn r r t s o d " r o r "Gi i g di e t o s o i stru ti n , ovn r c i n r n c o s r th t is kn wn o th ug t to be de e t v , fal ng to gi e th m ifa o r o h f c i e ii v e , th t is thea de i i n , n de u te o a g ro s; o pri a y ca se o the inu y of c e t i a q a r d n e u r m r u f j r r da a em g ; orY u ha e fa l d to ful il the te m o a co tr cto v ie f l r s f n a Und r whi h the i sure , if a a chi e t,e c n d n r t cor agreement; e gi e r o surv y r, a sum s l a ii y fon n e r e o s e i bl t ri such pro e t ca be re to e to use by t ef p r y n s r d h a inu y o da a e a i in o t o then j r r m g r s g u fre ar, re l ce e t, a j stm nt o re o a o "y urp i pa m n du e r m v l f o i sure 's re de i g o fal r to re den d n r n r iu e n rpro uct o "y ur wo k o y u fu fil n t e te m od " r o r " r o r l l i g h r s f pro e si n l se vce , in l dn ho e lstef s o a r i s c u i g t s i dth co t a t o gr e e t.e n r c r a e m n i Pa a r pn r g a h a o e a d sup r i o yb v n e vs r , "In ure co t a t m a s:s d n r c " e n i spe t o , a chi e tu a o e gne ri gn c i n r t c r l r n i e n a tvti s.c i i eA co t a t fo a l a e o pre i e . Ho e e ,n r c r e s f ms s w v r th t po t o o t e co t a t fo a l a e oa r i n f h n r c r e s f "Le se wo k r" m a s a pe so l a e o y u ba d r e e n r n e s d t o y a pre i e tha in e nf e a y pe so oms s t d m i i s n r n r l bo l a in fi m unde a a r e e t be we n y ua r e s g r r n g e m n t e o o ga i a i n fo "pre i e da a e i no ar nz to r ms s m g " s t n a d the la o le si g fi m to pe f rm dute rea en b r a n r , r o i s l t d "i sure o tr ct ;n d c n a "to the co d ct o y ur bu i e s. "Le se wo k r"n u f o s n s a d r e do s n t i cl d "te p ra y wo k r .e o n u e a m o r r e "A i e ra k a re m n ;s d t c g e e t "Lo di g o unl a i g" m a s th ha di g oa n r o d n e n e n l n fAn e se e t o li e se a re m nt e ce t iny a m n r c n g e e , x p pro e typ r :co ne ti n wi h co stru ti n o de oi i nn c o t n c o r m lt o o e a Af e i is m v d fro th pl ce whe e i isp r t r t o e m e a r tti n o o i hn 5 e t o a ro do s n r wt i 0 f e f a r i a ;l a ce t d fo m v m n i t o o t a arcra tc p e r o e e t n o r n o n i f ,An o lga i n, a re ure by o dna ce tob i t o s q i d r i n ,wa e cra t r "a t ";t r f o u oi d m i y a m nci ai y e ce t i co ne ti nn e nf u i p lt , x p n n c o wi h o k f r a m ni i ai yt w r o u c p l t ;Whi e i is i o o a arcra t wa e cra t ol t n r n n i f , t r f r "a t "; ru o oAn ee a o ant na ce a re m ntl v t r m i e n g e e ; Whi e i is ben m v d fro a arcra tl t i g o e m n i f ,Tha pa t o a y o he co t a t o a re m ntt r f n t r n r c r g e e wa e cra t o "a t " to th pl ce whe e i ist r f r u o e a r tp r ann to y ur busi e s (i cl di g ae t i i g o n s n u n n fi al ei e e ;n l y d l v r di de nfi a i n o a m ni i ai y i co ne t on m i c to f u c p l t n n c i n wi h wo k pe f r e fo a m nci ai y und rt r r o m d r u i p lt ) e bu "l a i g o unl a i g do s no i cl de thet o dn r o dn " e t n u whi h y u a sum th to t li bl t o a o h r m v m nt oc o s e e r a i i y f n t e o e e f pro e ty by m a s op r e n f a m ch ncae a i l pa t to pa fo "bo iy inur ", "pro e ty de i e o h r tha a har y y r dl j y p r vc , t e n n tr ck tha i no a ta hed u , t s t t c d da a e o "pe so a i j ry t a thi d pe som g " r r n l nu " o r r n to t e arcra t w t rcra t o "a t ".h i f , a e f r u o o o ga i a i n To t la ii y m a s a li bltyr r nz t o . r i b lt e n a i i "M bie e upm n " m a s a y o the fol wi go l q i e t e n n f l o nth t wo l be i po e by l w i t e a se ce oa ud m s d a n h b n f ty e o la d v hi l s, i cl di g a y a ta hep s f n e c e n u n n t c da y co t a t r g e m ntn n r c o a r e e .m chi e y o e ui m nta n r r q p e : Pa a r pr g a h do s no i cl de th t pa t o a ye t n u a r f n Bul o e s, fa m m chi e y fo ki ts a d o h rl d z r r a n r , r l f n t eco tr ct o a re m n :n a r g e e t v hi l s de i n d fo use pri ci al o f pubie c e s g e r n p ly f l c Tha i d m i i s a ral o d fo "bo iy ro d ;t n e n f e ir a r dl a s i j ry o "pro e ty da a e a i i g o t onu " r p r m g " rs n u f Ve i l s m i t i e fo use soey o o ne t tohc e an an d r l l n r xco stru ti n o de oi i n o e a i ns,n c o r m l t o p r t o pre i e y u wn r e tms s o o o r n ;wi hi 50 fe t o a y ral o d pro e t a dt n e f n ir a p r y n Ve i l s t a t a e n ra l r t e ds;hc e h t r v l o c we r aa fe t ng a y ral o d bri g o tre tl ,f c i n ir a d e r s e Pa e18 o 21g f COMM RCI L G NERAL IAB LI YE A E L I T Ve i l s, whehe sel -pro el d o no ,hc e t r f p le r t An a t o o i si n co mt e in pro i i g oc r ms o m i t d vdn r m i tan d pri a iy to pro i e m blty to falng to pro i e fi stan i e m r l vd o i i i i vd r ad o "Go d Sai r o m ri aa t n pe m ne t y m u t d:r a n l o n e se vce " to a pe so , une s y u a e i ther i s r n l s o r n bu i e s o occup ti n of pro i i gs n s r a o vdnPo e cra e , sho es, l a e s, di g rs ow r n s v l o d r g e r pro e sio a e l h ca e se vce .f s n l h at r r i sdril ; ol s r "Pe so a a d a v r i i g i j ry m a s "pe so ar n l n d e t s n n u " e n r n lRoad construction or resurfacing e ui m n such a gra e s, scra e s o i j ry o "a v rt sin nq p e t s d r p r r nu " r d e i g i j r ".u y rol rs;l e "Pe so a nur ":r n l i j yVe i l s no de crib d i Pa a r phc e t s e n r g a h ,,M a s i j ry o he tha "a v rtsin inu y ,e n n u , t r n d e i g j r "or a o e th t a e no sef pro el d a d a eb v a r t l - p le n r ca se by o e o m r o th fo l wngu d n r o e f e lo im i t i e pri a iy to pro i e m bl t toan an d m r l vd o i i y o fe se :f n spe m n n l a ta he e up e t of ther a e t y t c d q i m n fol wi g t p s:l o n y e F l e a re t, de e t o r m ri o m n ;as r s t n i n o i p s n e t Ai co pr sso s, pum s a d ge e a o s,r m e r p n n r t r M l ci us pr se uto ;ai o o c i ni cl dng spra i g, wedng buidngn u i yn l i , l i cl a i g ge ph si a e pl ra i n, l gh i ge n n , o y c l x o to i tn The wro gf l e i to fro , wro gf l e trn u vc i n m n u n y a d el se vci g e ui m nt rn w l r i n q p e ; o i t , o in a i n o the ri h o pri a en o r v s o f g t f v t o cup ncy o a ro m dwel n o pre i ec a f o , li g r ms sChe ry pi k rs a d si i a de i e use tor c e n ml r vc s d th t a pe so o cupe , pro i e tha thea r n c i s vd d trase o o e o k rs;i r l w r w r e wro g u vcto , wro g u nt y o n a i nn f l e i i n n f l e r r i v s oVe i l s no de crib d i Pa a r phc e t s e n r g a h ,,o the ri h o pri a e o cupa cy isf g t f v t c nora o e m i tan d pri a i y fo pu po eb v an i e m r l r r s s co mt e by o o be af o the o ne ,m i t d r n h l f w ro h r tha th tra spo t t o o pe so s ot e n e n r a i n f r n r l ndo d o le so o tha ro m dwelng oa l r r s r f t o , li rca g .r o pre i e ;ms sHo e e , sef pro el d v hcl s wi h thw v r l - p le e i e t e Ora o writ e pubi a i n incl di gl r t n l c t o , u nfol wi g ty e o pe m n nty at a hel o n p s f r a e l t c d pu lca i n by ee t o i m a s, o m t rab i t o l c r nc e n f a e i le ui m nt a e no "m bie e upm n " bu wilq p e r t o l q i e t t l th t sl nd r o l b l a pe so oa a e s r i es r n rbe co si e e "a t s":n d r d u o o ga i a i n o di pa a e a pe so 's or nz t o r s r g s r n rEq i m nt de ig e ri a i y f r:u p e s n d p m r l o o ga i a i ns go d , pro u ts o se vce ,r n z t o ' o s d c r r i sSn w r m v lo e o a;pro i e t a the cl i i m d r he "sui "vd d h t am s a e o t t i bro g t by a pe so o o g nz ti n thas u h r n r r a i a o tRo d m i t na ce but noa an e n , t co stru ti n o r surfa i g; o cl i s to ha e be n sl nd r d o i en c o r e c n r am v e a e e r lb l d, oe r th t cl i s to ha e ha i s go ds, pro u tsa am v d t o d cSt e t l a i g;r e c e n n o se vce di pa a e ; or r i s s r g d rChe ry pi ke s an siml r de i er c r d ia vc s Ora o wri te publca i n, in l dnl r t n i to c u i gm un e o a t m bie o truck cha siso t d n u o o l r s pu l ca i n by ee tr nc m a s, o m t ri lb i t o l c o i e n f a e aa d se t ase o o e o k rs; a dn u d o r i r l w r w r e n th t:aAi co pr sso s, pum s a d ge e a o s,r m e r p n n r t r i cl di g spra i g wedi g buidi gn u n yn , l n , l n Ap ro ri t s a pe so ' na e v i ep p a e r ns m , oc , cl a i g ge ph si a e pl ra i n, l gh i ge n n , o y c l x o to i tn ph t gr p r i e e s; oo o a h o l k n s ra d el se vci g e ui m ntn w l r i n q p e .Unre so a l pl ce a pe so in aa n b y a s r nHo e e , "m bie e up e t do s no i cl de a yw v r o l q i m n " e t n u n fase lgh .l i tl nd v hcl th t is sube t to a co puso y oa e i e a j c m l r r In l d s "bo iy inur " ca se by o e o m rc u e dl j y u d n r o efinancial responsibility law, or other motor vehicle i sura ce l w, whe e i is l ce se o pri ci al o the o f n en n a r t i n d r n p l y f f e s s de crib d in Pa a ra hs e r g p ga a e . Such la d v hcl s a e co sid rer g d n e i e r n e d a o eb v . "a t s".u o "Pol t n s" m a a y soi , l qud ga e u ol u a t e n n ld i i , s o s r"Occurr n e m a s:e c " e n th rm l irrt n o co t mn nt i cl di g sm k ,e a i a t r n a i a , n u n o e v po , so t, fu e , a i s, ak l s, che i as a da r o m s c d l ai mc l nA a ci e t, i cl di g co ti uo s o re e t dn c d n n u n n n u r p a e wa te Wa te in l d s m te i l to be re y l d,s . s c u e a ras c c ee po ure to substa t al th sa e ge e ax s n i l y e m n r l re o di i n d o r cl i e .c n t o e r e am dha m ul co di i n ; rr f n to s o Pa e 19 o 21g f COMM RCIAL E ERAL IAB LITYE G N L I "Pre i e da a e m a s: co tr ct cal fo wo k a m re th nms s m g " e n n a l s r r t o a o e j b i en o s t .Wit re pe t to th fi st pa a ra h o theh s c e r r g p f e ce ti n in Ex l siox p o s c u n o Se ti nf c o Whe tha pa t o the wo k do e a an t r f r n tCo e a ev r g Bo iy Inur And Pro e tdl j y p r y j b si e ha be n put to it i t nd do t s e s n e e Da a e Li blty "pro e ty da a e to a ym g a i i , p r m g " n use b ny p r o o rg nz t o th ry a e s n r o a i a i n o e pre i e whie re t d to y u fo a pe i d oms s l n e o r ro f th n an th r co tr ct r ora o e n a o se e o fe e co se utv da s, in l dng thev n r w r n c i e y c u i subco t a t r wo kn o th sa en r c o r i g n e m co te ts o uch re i e ; rn n f s p ms s o proe tj c . Wit re pe t to th e ce to to Ex l si nsh s c e x p i n c u o Wo k tha m y ne d se vce m i t na cer t a e r i , an e n ,th o gr u h i he l st a a ra h o a a r pn t a p r g p f P r g a h co r ct o , re ar o re l ce e t, bu w i hr e i n p i r pa m n t h co Se ti nf c o Co e a ev r g Bo iy Inj ry Anddl u i o h rwi e co pl t , wil be tre t d as t e s m e e l a e sPro e ty Da a e La ii y "pro e ty d m ge top r m g i b lt , p r a a "co pe e .m l t da y pre i e whie re t d t y u fo a pe i d on ms s l n e o o r ro f Do s no in l d "bo iy inu y o "pro e tye t c u e dl j r " r p rm re th n se e co se utv da s, o whieo a v n n c i e y r l da a e a i i g o t o :m g " rs n u fte p ra i y o cupe by y u wi h pe mssio om o r l c i d o t r i n f th o n r, ca se ye w e u d b :The tr n po t ti n o pro e t , unl ss thea s r a o f p r y e i j ry o da a e a i e o t o co dt o nnu r m g r s s u f a n i i n iFrei ;o on a v hcl no o n d o o e a e byr e i e t w e r p r t dEx l si n;po o y u, a d tha co di i n wa cre t d by theo n t n to s a e " o h t e i l b nyf t a v hc e y aLightning; l a i g o unl a i g"o dn r o dn i sure ;n dSm k re ul i g fro fi e e pl sio oo e s t n m r , x o n r l g t i g ri h nn ; o The e i te ce o to l , uni stal dxs n f os n l e e ui m nt o ab nd n d o unuseq p e r a o e r dWa e .t r m te i l ; ra ras oBu "pre i e da a e un e thi Pa a r pt ms s m g " d r s r g a h Pro uct o o e a i n fo whi h thd s r p r t o s r c edo s no in l d "pro e ty da a e to a ye t c u e p r m g " n cl ssi i a i n, li te i th De l ra i ns oa f c t o s d n e c a to rpre i e ca se b :ms s u d y i a poi y Sche ue sta e th t pro uct -n l c d l , t s a d sRup u e bu sti g o o e a i n o pre suret r , r n , r p r to f s co pe e o e a i n a e subj ct to them l t d p r to s r erei f e i e ;l e d vc s Ge e a g re a e Li i .n r l A g g t mt Rup u e o bu sti g due to e p nsio ot r r r n x a n r "Pro e ty d m ge m a s:p r a a " e nswel n o th co t n s o a y buidn oli g f e n e t f n l i g r Ph si a inu y to ta gi l pro e t , in l dng aly c l j r n be p r y c u i lstru tu e ca se b r e ul i g r m w t r;c r u d y o r s t n f o a e re ul i g l ss o use o th t pro e t . Al suchs t n o f f a p r y lorl ss o use wil be de m d to o cur t t e t m fo f l e e c a h i e o Ex l si n o ste m bol r , ste m pi e ,po o f a ie s a p s th p y i a nu y t a ca se t re h s c l i j r h t u d i ; o ste m e gi e o te m t r i e .a n n s r s a u b n s Lo s o use o ta gi l pro e ty tha i nos f f n b e p r t s t ph si al inur d Al such l ss o use wil bey c ly j e . l o f l"Products-completed operations hazard": de m d to o cur a the ti e o th "o curre cee e c t m f e c n "In l d s al "bo iy inur " a d "pro e tyc u e l dl j y n p r th t a se ta c u d i .da a e o cur i g a a fro pre i e y um g " c r n w y m ms s o F r the purp se o ths in ura ce "ee t o i da ao o s f i s n , l c r nc t "o n o re t a d a i in o t o "y ur pro uct ow r n n r s g u f o d " r i n t a gbl ro e t .s o t n i e p p r y"y ur o k e ce t:o w r " x p "Sl g n :o a "Pro uct th t a e stil in y ur phy icad s a r l o s l M a s a phr se th t o h r u e fo he pu p see n a a t e s s r t r opossession; or o t ra ti g a t n i n n t er d e t sin .f a t c n t e to i h i a v r i gWo k tha ha no y t be n co pe e or t s t e e m l t d r Do s no in l d a phra e use a , o in thee t c u e s d s r ,a a d n d. Ho e e , "y ur wo k wil beb n o e w v r o r " l na e o :m fde m d co pl t d a th e rle t o thee e m e e t e a i s f fol wi g i e :l o n t m s An pe so o o g nz to , o he th n y u;y r n r r a i a i n t r a o orWhe al o th wo k cal d fo i y un l f e r le r n o r co tr ct ha b e o pe e .n a s e n c m l t d An busin ss, o a y o th pre i e ,y e r n f e ms s go ds, pro uct , se vce o wo k o a yo d s r i s r r , f nWhe al o th wo k to be do e a then l f e r n t pe so r r a i a i n t e ha o .r n o o g nz t o , o h r t n y uj b sit ha be n co pl t d i y uo e s e m e e f o r Pa e20 o 21g f COMM RCI L G NERAL IAB LI YE A E L I T "Sut m a s a civl pro e dn i whi h da a ei " e n i c e i g n c m g s Y uo ; be a se o "bo iy inu y , "pro e ty da a e oc u f dl j r " p r m g " r Ot e s t a i g nd r y u a e rh r r d n u e o r n m ; o"pe so a a d a v rt si g i j ry to whi h thir n l n d e i n nu " c s A pe so o or a i a i n who er n r g nz t o si sura ce a ple a e al ge . "Sut i cl de :n n p i s r le d i " n u s bu i e s o a se s y u ha e a qure ;s n s r s t o v c i d An a bt a i n pro e di g i whi h suchr i r t o c e n n c a dn da a e a e clam d a d to whi h th in urem g s r i e n c e s d Co t i e s (o he tha v hi l s), m t ri l ,n an r t r n e c e a e asm st submt o do s sub i wi h o r co se tu i r e mt t u n n ;pa t o e upm n furnshe i co ne ti nr s r q i e t i d n n c oorwi h uch g o s o ro uct .t s o d r p d s An o he al e n ti e di put re outoy t r t r a v s e s l i n In l d s:c u epr ce di g in whi h such d m ge a e cl i eo e n c a a s r am d Wa ra ti s o re re e ta i ns m de a a yr n e r p s n t o a t na d to whi h th in ure submts wit o rn c e s d i h u ti e wi h re pe t to the fi n ss, quai ym t s c t e l t ,co se t.n n du a ii y pe fo m n e o use o "y urr b lt , r r a c r f o"Te p ra y wo k r m a s a pe so who im o r r e " e n r n s pro uct ; ndd " afu ni he to y u to substi ut fo a pe m ne tr s d o t e r r a n The pro i i g o o fal re to pro i evd n f r i u vd"e pl y e o l a e o to m e se so a o sho tm o e " n e v r e t a n l r r -wa ni g o n tr cto s.r n s r i s u i nte m w r l a o di i n .r o ko d c n t o s Do s no i cl de v ndng m chne o o h re t n u e i a i s r t e"Ti l " m a s a na e o lt r r r a tsti o kt e e n m f a i e a y o r i c w r .pro e ty re t d to o l ca e fo the use op r n e r o t d r f"Unsoi i e co m nca i n m a s a yl c t d m u i to " e n n o h r b t no sodt e s u t l .co m nca i n in a y fo m tha th re i i nt om u i t o , n r , t e c pe f "Y u o k :o r w r "such co m nca i n di no spe i i al re ue t tom u i t o d t c f c l y q s M a s:e nre ev .c i e Wo k o o e a i n pe f rm d by y u o or r p r to s r o e o r n"Vou t e wo k r m a s a pe so who i no y ul n e r r e " e n r n s t o r y ur e af; a do b h l n"e pl y e , a d who do a e hi o he wo k a dm o e " n n t s s r r r n a t a th di e ti n o a d wi hi the sco e oc s t e r c o f n t n p f M te i l , pa t o e upm n furnshe ina ras r s r q i e t i ddu i s de e mn d by y u a d is no pad a fe ,t e t r i e o , n t i e co ne ti n wi h uch w r o pe a i n .n c o t s o k r o r to ssaa y o o he co pe sa i n by y u o a y n esel r r t r m n to o r n o e l In l d s:c u efo her o k p r o m d f r o .r t i w r e f r e o y u Wa ra ti s o re re e ta i ns m de a a yr n e r p s n t o a t n"Y u ro uct :o r p d "ti e wi h re pe t to the fi n ss, quai ym t s c t e l t ,M a s:e n du a ii y pe fo m n e o use o "y urr b lt , r r a c r f o An go d o pro uct , o h r th n re l wo k ; a dy o s r d s t e a a r " n pro e ty m n f ct r d sod ha de ,p r , a u a u e , l , n l d The pro i i g o o fal re to pro i evd n f r i u vddi trbu e r dspo e f ys i t d o i s d o b :wa ni g o n tr cto s.r n s r i s u i n Pa e 21 o 21g f COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY WITH OTHER INSURANCE - CONTRACTORS This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM PROVISIONS 1. The following is added to Paragraph c. in A.1., Who Is An Insured, of SECTION II — COVERED AUTOS LIABILITY COVERAGE: This includes any person or organization who you are required under a written contract or agreement, that is signed by you before the "bodily injury" or "property damage" occurs and that is in effect during the policy period, to name as an additional insured for Covered Autos Liability Coverage, but only for damages to which this insurance applies and only to the extent of that person's or organization's liability for the conduct of another "insured". 2. The following is added to Paragraph B.S., Other Insurance of SECTION IV — BUSINESS AUTO CONDITIONS: Regardless of the provisions of paragraph a. and paragraph d. of this part 5. Other Insurance, this insurance is primary to and non-contributory with applicable other insurance under which an additional insured person or organization is a named insured when a written contract or agreement with you, that is signed by you before the "bodily injury" or "property damage" occurs and that is in effect during the policy period, requires this insurance to be primary and non- contributory. CA T4 99 02 16 © 2016 The Travelers Indemnity Company. All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc. with its permission.