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C-20-059 - Interwest Consulting Group, Inc. Amendment No. 3, Public Works Oversight & Organization Review
A.�IE\'T N:O. 3 TO AGREDm.� fOR CO�"TRACT SF.ll\'1CES TJBS Al\lEND.\lfJ.\T TO THE AGREDIE\'T FOR CO�"TR..t\CT SERVJCES (-Ameo,lmmt No.. 3") &.,r- am! bd:ffcm the CITY OF CAR.SON,, 2 Cahmrma lllnlli,iptl eo1pmatim f'Gt}-"1 ad INIEllWESJ CONSUL TING GR.OUP,. INC..,. 2 CCJbaio ampatatm f"Q,asnlW"). is 11:fi'ectn-e ii!5 of dx: J1dn day of Ncnanhc:1-,. 2020. REOTALS A Citty zd Cumtt!tml entered intD Iha! certain � fw Cm:na:l S¢nia!s dated Jone� 2020 f'"� "-bad,y CoosuJtam agreed to IJRft* City ma:,,azu•ldll and advisury srnia:s r..-the Pabtic; Wmb Depa:nmc:nt and Commmmy Sc:rvias'Pad.s & Rr:aaioa Dq:mtmmt,. fm a COIIIIZ't Smn not to exceed S24,9CJ9. C"aty na:ded Consahaat's s::nia:s pmrided under the Agm:mad in l:qe part becaose Citys Public Worts Din!dm p,siaioo Wti � and City needed rime ID n:mrit a new Poblic Worts Diff:do£. B.On July 21� 2020,. Cny and CmsuJtanl entered into an ameudme:ot of die Agn:emen1 ('"'"Amendment No. I") to inc:ff:ase the Contl3cl Smn by S90,.000* mmd abe Agnx:meut tcon to Novemba J 37 2020,. a:ud expand the scope of sen"ia:s to allow Consuhaut to provide Olbel" profes.siooal semces 00 an ad hoc basis. C.In 2018, California voters passed Proposition 68 \\iudi dean:d the pa1h for esaablishmeot of a statewide program for issuance of bonds for. among � thin8S,z .new and improved parts throughoul the Slate,. with the majority of hood proceeds dism"buted lhroogf. a competitive grant puccss. D .On October 6, 2020, City and Consultant entered into a second amendment of the Agreement (" Amendment No. 2j for Consullant to provide senices foe coordination of and public outreach. grant writin� and conceptual design wmk for projects at Foisia Paik and Carriage Crest Pad ("'Proposibon 68 Services") in consideration for payment not to exceed SS0,000, and to extend the term with respect to Proposition 68 Services to June 30,. 2021 to allow Consultant to provide Proposition 68 Services. E.Amendment No 1 inadvertently set the adjusted Contract Sum at Sl 15,000 rather than SI 14,999, and Amendment No. 2 COrTeCted the Contract Sum as though the mathematical error was not made in Amendment No. I. F.Now, becau.se City7 S reauinnent of a new Public Works Director is taking longer than was originally anticipated, City and Consultant seek to increase the Contract Sum from $164,999 to $249,999, with $60,000 of such increased sum attnl>utable to additional Interim Public Works/Community Services/Parks & Recreation Departments Oversight Services and S25,000 of the sum attnl>utable to additional Ad Hoc Services, and to extend the Agreement term to March 31, 2021 with respect to provision of such services . The parties hereto seek to ratify and affinn the continuous and uninterrupted term of the Agreement with respect to Interim Public Works/Community Services/Parks & Recreation Departments Oversight Services from the effective date of the Agreement unbl and through March 31. 2021. - I - 01007 0001Ki77124.I TER:.\IS 1.Ceatlad D:l•g,:s The Apea,lffll is �fl as IIW'lCl,dl � {IXW 1al in 6ol4 mdiiaam �J &:11m st1il =liiwtfs). z. Semon 2.1? "Co!ltQd Sam,.' of dee� is fler'dty zemdcd tD lad ia its eatiffl}"" :as illl9'lls: � 1o any limi1atioPs set fcatb in Ibis A81a::mcm, C"11y � to pay CCll?Sham the amamns specified in the ""Sc::t!a1me af Compe1611m,.. n«:hecJ hen,to 2> &Inuit UC and imuponlled berm by Ibis refermcc. � IOlal COlllpCD� including reim\.wsnncrrt fm aclllal cqimses,. shall 111d ciu:ud Two HaJll/ttd F1111f:1' J\m .n,-qgu1 1Y-me H•IMllm K'llld.T l'C� Qae lll!HiRlif Smy N.QI" 'Ale&S!!!IHI N!ee lhridn.• .. NIH-,. N& Dellas amd Zao Cads (S:U9.9"&1'1�.00) ("CODllaa Sum'). unless additioaaJ oompcnsabon is � pusualll to Seaioo 1.9 .... b. Euibit �.,, �alole of Compm.salion,"' of die A:;rammt, is hereby rq,bcal in its enlirdy with ubibit ""C7' of this Amn1dment No. 3, :atached herdo and incorpor.atal herein by this rdCRDcr.. c.. Euibit uD�" "Sdlr.dulr of Prrfonaancr, ff of the A:tftalmt,. is hrrd,y ttplaced in its aalirdy with Exhibit "D" of this Amn1dmcnt �o. 3., atbcbal h� and incorporated herein by this reference. 2.Coatiuaing Effed of �reemeot. Except as ame:odcd by this Amendment No . 3,. all provisions of the Agreement , Amendment No. I, and Amendment No. 2 shall remain tmchan ged and m full force and effect. From and after the date of this Amendment No. 3, whenever the lam ... Agreement" appears in the Agn:emenl rt shall mean the Agieement , as amended by this Amendment No. 3, Amendment No. 2, and Amendment No. 1. 3.Affirmation of Agreement; \Varranfy Regarding Absence of Defaults. City and Consultant each ratify and reaffinn each and every one of the respedive righls and obligations arising m1der the Agret.-"ffllent, Amendment No. 1 and Amendment No. 2. Each party represenls and wammls to the other that there have been no written or oral mcxhficatioos to the Agreement other than as prcn-ided herein. Amendment No. 1 and Amendment No. 2. Each party represeols and warrants to the other that the AgRement, as amended by Amendment No. 1, Amendment No . 2, and this Amendment No. 3, is currently an effective, valid, and binding obligation. Consultant represents and warrants lo City that. as of the date of this Amendment No . 3, City is not in default of any material tenn of the Agreement and that there have been no events that, with the passing of time or the giving of notice, or both, would constitute a material default under the Agreement. 01007 0001/67712·U City� Zld •armaus to C.JtS::!tan1 dm, as 01' k data: off lflz; AID'lmf11-mt No 3 � UlLl!5Uham is lllllt i<:! ck:&i,h of my narcrial me of tfne � ad lf.ia: dxse ban? IIUD no acmls - °Wida tlJ: pa!ND!. of lime (II" 1he !i°'ll:u! of� IDI!" � ww:ld cm1,ii51cJe&-2 macrriall de£,..,)!n t:l:ICh'lhe � 4_ � � The pames h:mD iirm.� st1i11-r;l.atr a � lhz ce,· De ca:h iecm'al alc,qmfe and md:iMl"l"1f.cal � fmr tl!ne poiix, ,azxr or the oY� lflq.' hal-e � pmsuad IO Ibis� .No.. J_ .5_ �only. 111c pfflDlS � this Ammbml :Natt. 3 on bdl:alf of the pmies IM:n:lo waLIIII dJa! (i) soda party is du.ly u1puzed and emling.. (ii) lhq-are dalJ" aalbariml IO � am ddrn:r this Ameodmeul No. J Ou bdlaJf of SiiDd pt}",. (m) by SU cxeadmg this AIDCSildma:ii No_ 3,. such pany is fonoally IJolmd to lhe pnnisims om m Ameodmml No_ 37 and (iv) ibe mlaiog into this Amendment No 3 docs DOI Yiola any prurisioo of my odlcr �I to which said pi1l1J'" is hound. (SIGNATURES ON FOLLOWING PAGE) -3- 01007.000ll67712.U IN WJTh"ESS \lllEREOF, the paties � �e c\t 11111Fed this Ammd:aaa No J. en flk ctl!le a::;JII }12f fia-aoo,� "-rinm APPROVED AS TO FORM ALESHIRE & WYND� LLP � /., de {-tL t _ ""7 P-_? ... -- Sunny K Soltani. City Auoroey (JJl) I crrv: . ( \ I INTERWEST CONSULTING GROUP, INC., a Colorado COIJ)Olation Br..�,'=::,,��--+;:.__������ Name: Debra Tborsoo Tide:CFO Address: 3107 28 th St., Unit B Boulder. co 80308 Two corporate officer signatun:s requind when Cousultaat is a corporation, with one signatu� required from eadl of the following groups: I) Chairman of the Board, Praidmt or any Vice Presideat; and 2) Secrmi,-, any Assistant Secn:tacy, Chief f"mancial Officer or any Assistaut T�r. CO�SULT.Al\"T'S SIGNATIJRES SHALL BE DULY NOTARIZED, Al\'D APPROPRIATE ATIT.sTATIONS SHALL BE INO.UDED AS MAY BE REQUIRED B\' TIIE BYLAWS, ARTia.ES OF INCORPORATION, OR omER RULES OR REGULATIONS APPLICABLE TO CONSULTM"T'S BUSINESS ENTITY. -4 - 01007.00011677124.I On M,�1""10:S 30 ' 202() ti!efbra � "Tc,-c.,c.... 3' &,, G • N� ?t!JbTc,, psll9)'I ra:."'y 2?fl!E91e::I 1 -"fe '° N � a J r, '.a u e •u'hD � m me 00 me msis of � �dmil!:e fmi !be Dre p&S$T(s) wtlos: n:ame{s} � s.dlsai:led m the�� iillllll1I � fD me mat helsheffilef � tie same in hs'naffllee �ized •afra,:q{ies). and tll3l by� �!s) 00 the mstrumad the pelSOi(S), Cir tilhe emJliy IIJpiJl1 mm of wf&kh the pe,so,i(s) adEd_ exBC1 d.ed the i8saumer.t I certify Wider PENALTY OF PERJIIJRY under ihe � of the Sta1e af Qt9raoo that the foregomg paragraph is true and� WITNESS my hand and official seal My oommission expaes: CP // 'i/ .2. .3 ��na'.urem-,ru�L;k /4/4� &g'ja cu O!nbtla:b OlUl1ty rm' bifrei" } )ss. ) emA"2rAec oJ {a 2C/Z, 0 e:efo:e ma Tr:,c i4. .:r �yer • N!JJ31J P\uf:lf c,, p:dscaaiy appealed 1) e\,rc._ J\J c....-,itOQ r �UDI]) IIJllilNeldl EID me oo tile besfs of sa5sfalfmc,y � tD Ile me persJrl(s) w.tuse �s) istare suhsail:ed ID tihemtn �and� bl me El&� aeci!Oad the same in �rr au9uized e:a;etiyfes). and lhcil by� �s) on me instrumem Ole l)e(setl(s}. m � � UJ1011 beha!i of v,itm ihe �s) a::fal,, aa:aded the� I cemfy unda-PENAL TY OF PcRJURV under me laws of the � of CaloradD Um me foreg� paragraph is true amt corre:.i. WJTNESS my hand and ofiii:iaJ seal My commission expires: to /1 'i; .z 3�of��L )2d6,� Tncfa J Hayes NOTARY Ptl'BUC STATE OF COLORADO �ID �1S,l:SJ IIYo:lMM?SSlON EXPlRES Jllne fS, 2023 SCHDRU OF CO:\IPffiSA� RATE TL'IE PalJlic Sl45.rbour -35 llls,.'wm W mtstC,c-11 fl Piny �& Rcaeatiwi Depsabncm Chl."l'Sight Scnices B.Ad Hoc sen"ices C.. Pmpositioo 68 SC1"\'1ces SUBTOTAL S145/hour SUBTOTAL S145lhour SUBTOTAL TOTAL su,,,,_M21;9919J» �900'\red: JI 15,HIUlfJSfJOJXKl_OO S3 ?625/wed: sso.ooo_oo II.For Task Ill, Consultant shall further pro,ide other professional services that may be required by Cit)· in the future, senices will be provided by the Consultant on an hourly basis based upon the attached billing rate schedule. Senices will be requested by the C-rty on a task by task basis. Consultant will pro,ide a written scope of seni� estimate of hours and associates rates to the City. Task IC shall be for Proposition 68-related semces. Ill. \Vithin the budgeted amounts for each Tas� and with the approval of the Contract Officer, funds may be shifted from one Task subbudget to another so long as the Contract Sum is not exceeded per Section 2.1, unless Additional Senices arc appro,·ed per Section 1.9. 01001.ooot16nt2-1 t IV.City' .-ill amp; •c;at.e Coascdlnf for die Senias pa-ltnaedl apaa .sahnissi• of a � iwteitt.. &di m'l'Clitr is ID mdack: A. i..ni.: ecs rm-zn Jk:l ... kmd � the wori. p::tfiJmzei,. llhe mmber af bonrs •Olla!. md 1k boudy r.ate_ B li:2C itmts fw aJ1 m&lials ad� p:opc1ly daaigt;dl t!i> drie Sen-ices. c_ I.me itans rm all Clhel-�-ed n:im!imselc c.i.paiS5 daii, m. ailll 54WJ'bll� � D Lioc items fm all appron:d Stlhvetraaor laoo!". � � m2!!� and trn'el p.opo:fy charged 10 the Senicl:s. \r. ne tDbl cvmpmsation for die Scnias slid not anal 6r C.O.tnct S.m as proridal ia S«&n 2.1 of dos A.pttlQmt. VL Ccm:ah:aat"s hiffing ntes for all persoaael 2re zttnm as uhibit C-1 to die Ao ummt. OIW7.000!/6TIIZ4.1 SCHEDULE OF �IANCE L C--..llaat !laall l**fDrm d Slnias tiwly iD ax111d:aaa .-idl die� sdlalde: CmJQJl•a:.11 shall �1� Task IA semo:s 6cm 1am: 2Z W® and dnaagh Mord 31� Y21My JI,, :N19_ IDlles& the C� lit.bi� r.r.nfmms. C� ai 20 eatier-date 1hal his 5a'Vims are no km!a' aealat.. CCJnSZT:hacl"s bJc::rs ,me e...ai1,1il!i:d ID be 31Jfiuu.u.aari!ly 24 homs ptt wed. (3 da}s, 8 loliPs eadt) for Jn Ri!SS ad S ooms pa- wed fa,-T my Rodri� for a 10lal of <44*UJ.iutardy 32 boms'weel Jor 8 •i:iels If Ibis schedo.le is imnfficiad lo aa:omplish tbc � cf lbc C"11y Managa-,. Comuita:11 ..-the City� ma). l'eqDCSI a drmge in the sdlcdmc_ The � M 1g;v may f811¥ � die 1Sfal hes v.ari.i!iil � "cli!lf !ti f0iill!B4 afia:, Cea.:,-:ekast E!el!llml!BE!ES se as �8 allEJ'i\· as .�eel nt l,e .IDiEilmtled liBileFlhe �-M.ilflli!FS � d&evgh lite eeilef Jaly � Task m savices shall be pcrformal. oo an� basis tin� JlardJ 31, 1011. Ts JC shall be �fo1med behlieeD Ottobe:r 6� 2020 aod Jime 30� 2021 II.The C.oalr.ad Ofl"1ttr 111':1). appro,-e ntemioas for paformntt of 1hr �ias in acxonlaoc:r with Stttioa 3.2. 010010001J6n124.1 lllillS a:RJ!IIF!QiE IS 1S5tS1 £5 A IIM11'llEiit C!li' l&ffWnl!JIII Gllll!.1i' Mil]) U.11,a.WIU:S IIO � tllNlll liilE CEiiu.lRCAl!E � 1ilil5 ¢e:::kUW1!E � lll!n �lh!E!l.'11' lllE �lilEl.11' M1Elll!II � Da. A'llSi 1ll!!IE � l.fff"R tFllil liill' 1ilil!: RIWICE5 1EfE31.1:l1&'. ms U3itlllii?4A"IE OF ns;,,.,.!IQ' � llm'l!" �,re 111. � l!EMS;ell lli!E l55t1l9G rasr�1. �li&R15Sl51iUI.UiAE mii PlmJI ICER.AW!) 1!IIE ctalllli'iltAllE � llllll'CRf'.lW'lr: l!f!l2 rafl:::ft ltallaa,lisam� IIIS!I.IRE:&,,IIRE IJldlq(•�=-bNe� 1a511 RSJ, pa,.:ns.:=. mrlnr.ttCli5BIL llf S'�W111111 IS IIUil!IIED, llllli!¥CI lb ln1e -=ns andl mmllfans cdT lftE plq,,. CD!Diiir, pdlitfllS lllll!f' � am md!.ll-.Ua,t.,11. A 51111if1Ull&ll crm tins ltftll� dl::a!S m=icods -b mm mm!fi� lh:1� Im lliml ca11 sudll . PRClillCl!II'. lil:cfu l!!elldll I � ! I I RS1NI � Se-il:czs 31n E'Wadte" l!ltr Se553 O:m:ap II!.. &:ll!rr. I� J�Ccis.::!brlg: � ?CO 8c:a t� ' caultle'" co SIJ!D .----�-----------=--�--------,�11.!!t�= �cr:IID./JGI!! -i:!_ �lriie�Cc.. 111£!2 ��t:oGta,���-�-�--:l!i.qc=..:.:··�-1��Ccrrm--............. ·L-____� Ill Gl!llll�E.5.S=::::...:1t:5.=--=0::..:..=..· ----� -���1a:s_· lfrmCb!:@17 � lMz �Co.. 2!k5 THl5, IS !O c;s;rnFY tw.T --.: � (lF as� l:srm ee.tl"-11 HP"iVE 6EElt: ISSl'Ja) T,Q) oHE CIIISJP-eD 111,C;,'lilB:) ASCNE F.l!JR Tl'tE F'Ol!JO' i;ieoo '.lflOlO,.teJ �A.'!IOIG IIRI R5:rul� TE£'lil1 Oli Ouml:lll'lOlll OF Al!l.it � OR OtJo-iE?. OOCl!J.'IISIG \"am+ � TO' W'ffot THIS CERl'lf'IOI.TE W.Y SE .s:stED OFi W.Y PE3iii"All!t. 1ifiE � AHr..JkOl:;£I) 5'I!' TF.iE ?.lUOES � HS'iErrtl 15 51lJSJEO" m All!. ToHE � El'1l1.USICIIISl¥0al\!�Of'Sl.!CHRl'lUOES t.JlllTS�llf',l'f.'�'JE.BEBll�e,rl?i,\!l!U;:l,J,!4$ 1115R nft CFlldl;alOIQ; um ' �i :i=-0':::... r��":'f"i;;o:: orl-El'i I & I ""��u.•at.lTI' t X l -� .>L.!TO l t=o :.wros=.• IX j h!R£C! t Al!fOS Ol'lU �=-, �n::s NC,11'.C' ... �c A(JTOS�'f c 11-�t-�x ,� IX EllClSSUS& c:;;,.,,. � W.i.aE r CEO I x I R!cTEMT101<S ,. F -��A.<ID�U1L8Un' Tfll M'l'F'RCl'fl!ET�-p,r,�=F-� Ol'FICE't-� _, .. llltJ ��?��TO.S=-,��, Ie C,:..-� y "'" PQIUl:'il'IIClal!Sa 1· �� I I I ye � I ,���V EN.'ECEOul I F-OOt-QlQ'Jf27»GC ,�� P'ICILCTl!li!f IIIDUC:YEIP nn.t':lS r::r�:.c:.!C � =�-'Cl: src�arm ··----·-S:li!ll2Cl!l ·-- IIEnU?l,""t -� s.�ccmi A::�1-N."Nll'IJI./� s.t.�OJ:l: ��TE sz�am I '"1CD.!l;TS cna:,,ca,-AOQ S20Ctr·Cllll: s. t::tJ,� �� �........,um1r Is. TCClOCII l!CiOt V �'llU'i'I' ...... i:ms:n, s I ecaL Y � !Pr llCD:llffl) S. FRCJ"ERT1< Q.W.aGE s � s I 1C1J/2!l2!1 TC0/2C2f =� s ,a. CD! cco �c,.n; s TUC!Jt!= s S/r2'Zl2!l 51t212C21 X I �rJ'Td 10.-.. ER I EL �ACOOE*'l' s 1 anC!lll ' I E L DSV.SE EA E!IPI.OTEE s, cancan I EL D5EASE POI.IC't UMT 51 coo.coo I 1n2Ql0 lCfl/2!:21 ,EED�I Jll,000 Go:l U:tY&lCI :�1 Ea=,� J.(IOQ.CIJa �OFOPBrAJJOnSILOCA"llOliSI� CAOJAO=t. _______ r.._i. __ .. ,.,.,..._, Ci..-y or c-its elect.."<! and� officers. ,:mpo:,ocs. � and agents are add6onal ins.mo on a�� basis as respectslhe �'QJ uac&y and �" lilihitiy as req,..-ed bJ wcilen cnntJact. WaNer m Sutroga:ioo app;es in favor cf lhe · · insurtd as respec:is lhe General uabl6ty .Au'.o 1.Jabi1i1r and 'M)fkers Compensa:ion as � by wren c:in:rad.. CERTIFICATE HOLDER CANCEUATION / 11 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES Be CANal.l.EiD 8EiFURE • j • THE EXP1RA TION DATE THER!:OF, NOTICE fflU. BE OEUVERED IN .ACCORDANCE wmt THE POUCY PROVISIONS. Citt of Carson 701 E Carson Street Carson CA 90745 AUntORIZBl IIS"RE5e.'fTA llVE 11/�/2020 /7 '-"--. ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All nghts reserved. The ACORD name and logo ani registered mam of ACORD COMMERCIAL GENERAL LIABILITY COVERAGE FORM Vanous �1Sll\ln5 ,r.n ttlns fjldiq resltrid ar� Rea:ti ltre ernilie i;ialicy C2t"efi.!Ht, ltl' dt�.eu .irie tigl""l:s_ duties aml!fi 111hat 15 all$ 1s l'10l1 m')e ed. Thrcugt':out tt!ris pcllcy lf"e lllcr.ds -.p.r and � refer to• lt:le � 1� � il!t ile Oedar.-otiac5, anlll! arllj' 1!111ner. � or �zn:,n: �{fyi1Tf9 as ai N.rm Ir's.Ire:± c.� tbs PQli::y Tlhe worms ·we-·· "1:15" ammi "4lllll!" refer to fje sl!DdL ins.;r;arce cx.ut:ri:mfi -:enl:le" of The � pr.il'l'lding; t,ns � Toe-wom:ll .. IC".:wredf' rneam:s arry ps:son ar Qtg.Yli!Z'atfOOI cua!iliyir.rg as Sl!ldJ t1."der Seeton I - Woo lls M ltnsure:l O!ie 'CQr.tfs er.rd Jjlfwr.Jses llfrel! � in � mats � special mean't1g. Refer to Section V - Oefa:ritions.. SECTION I -COVERAGES COVERAGE A BOOILY INJURY AND PROPER1Y DAMA.GE UABIUIY 1 Insuring .Agreema1l a.We viii� pa'jl tl!lose � that the insured bealmes legally oo� to pay as damages llecalse of 'bmly qurf or ·property dam2ge"' to wtndl this insurance � We d h.we tli1e ri§lt and duty to deiend the insuroc! ag:ainsll ar.ry ·sun-seeking lhose damages. �. we wil hav9 no duty to ctetemt 01e 111sured � any ·swr sedang damages fur "b()cffy 91.;ury-or ·property damage. to which Oris insurance does not apply. We may. at our discretion, investigate arry ·oca.1rrence· and seme any dam or ·suit· that may resu!L But (1)The amount we wiD pay for damages is limited as descriled in Section Ill -lemitsor Insurance and (2)Our nght and duty to defend ends when we have used up the applicable hmit of insurance in the payment of judgments or setuements unde< Coverages A or B or medical expenses under Coverage C. No other obbgation or liability to pay sums or perfom, acts or services 1s covered unless explicitly provided for under Supplementary Payments -Coverages A and B. b.This insurance applies to ·bodily injury" and •property damage" only if· HG00010916 C1) Toe "b:xfif�, i�� a,-·p�t.'1 ctarn ,a;J#• ie c:ausedl 1!1¥· am "tlci:lll�· ll!led fakes pl'a«ee iim tire-� term�"';: (2) The "lil1:Jdil¥' inj,l!mJ"' or ·�., da ,;q!' CJCQ!J1'$ dulrirng tine patfq i;ierflillrlt amu, (3) Aimr llil> lliTe gnJiiq, iµenOi!,. lllO r1'1151!1GEC rSfai � � 1!. tmi Se:tx,n,. -'IL*'bro 11s kl hs.rred arMII IITOl "ia:r.t�· al!JCloi:zed by 'Pill till, gpme 1111!" �e oolfi::e of an ··�· c,r dan,. � dta. the "b!ldH� lqlJl!J" C!II' '"p.� ctamage• had � 11m wliM!le OJ1 iim pi!l!l. lfi 5Ull:h a � ins:lred CIIT' a.ltt@azed "'esrtpbju· blew' gl1!P to It.le '111]1fq pe'ICd! 1'1121 the "bodit, 11lliilmy"' Olr -�f cl'ai1&age· � ffilet1l any c:mitinuafim, dBlge Of' � o6 S!Jlm "bodily inr..JJ'" (lf'·� dae,age" d:mimg or C!fer' the policy pet1od will! he deerned b hawe beerl � peimto If.Te policy� c."'Bad:!y n,.� ar .. propet't). damage .. 'ni. be decffled' Ill> f.1ffl'e � ilu:ronlll to haw! oa:urred at Ule ecldest time when any mu.red IQed under �a;;., 1. o: Scd:oll n - Who Is An fnswred Cf' any '"empbyee" awhorized by you to gwe or � nooce cf an .o:cuJrefT.Ce .. Cf' claim. (1)Repr:wts all, or any pan. of the '"bodily� M "'property damage"' to us OJ any other insu1'er; (2)Rec:enes a written or wma& demand or claim for-damages because of the "bod,ty � or-•property damage•; M (3)Becomes aware by any other means lhat "bodily injury" or ·property damage· has occurred or has begun to occur. d.Damages becaUSe of '"bo<f.ly mjur}r ,ndude damages claimed by any person or organization for care. loss of serw;es or dealh resulting at any time from the "bodily Uljury" e. Incidental Medical Malpractice And Good Samaritan Coverage "Boday injury· arising out of the rendering of or fa.lure to render the following health care seMCeS by any "employee· or ·volunteer worker" shall be deemed to be caused by an ·occurrence· for: Page 1 of21 © 2016 The Hartford (Includes copynghled material of Insurance Services Office, Inc with its permission) ((f,)) Prafitsssrra l:iee!lft:i .......... se;..:1125 s.m as· (\;qJ�. �c.::a,t �l l� .... l'a!J' arr � ser.�ces � tt:�,� �Q! <ilir� G lfil: � lumietnmg clbld! Cl"� llt)J �· lneaittm air �ewtfc sar-rice. treaJ.,ier,a a:t-ni!E cr i'::st:ud::i!llllr t:11!' «c) 1ilite fiumms:iling cur � ct cri.igs mrr nrna:licall,. � c.ir. � SU(;Jpli:s m�cr. � IFia aid! Sl!ni::es. -.!him mncild2: «a)� l'P5115Cl1Jalm. ���ar�a diifibritia:�rr. Cilf.' (\bJ Seff.fiteS pebi:::d as a Gord Sinl:arr.et Fair the � cl dete:lmRng the bid!. of 1nsur.amce amy att or � t:,;ae.eie � al f l!e/ate:11 ads ClU' cmssi.rl IS in tiae fumstlii:lg .if Mese � !n anr ooe pe,� mil fl:e Cl!lll1Sl� Cll'le -�-. Hnweveir tftll5 !.� � Mav""a:dce Ar.Id! Good Sa ma.u, Coverage �. alll¢res ori'y if )"!llJ are no1 � i:I UE busimess OIi' ow•,;16,':M of pnwid"ng any d Che seMite$ desc::dJed i:a tljs pmvislon. 2.Exclusions Tltns ins:Scmce does not ap;ity lo. a.E:11:pected Or Intended Injury "Bocily iinpy'" or ·property damage. expectedoo rnlended from the standpoiflt of lhe lnSI.Jl'ed. This ewusioo does not ajlPly to 'bodily injury"' or �property damage· JeSUlngfrom the use of reasonable force to pm."'ect persons or property b.ContractualLiability "Bodify injury" or ·propedy damage· for which the insu:rad is ()Digated to pay damages by reason of the assumption of riabihty in a contract or agreement This e,cclusion does not app ly to liability fo r damages. (1)That the insured would have in the absence of the contract or agreement or (2)Assumed in a contract or agreement that is an ·insured contract·. provided the "bodily injury" or ·property damage• OC{;Urs subseque nt to lhe execution of the contract or agreement Solely for the purposes of liability assumed in a11 ·insured contracr. reasonable attorney fees and necessary litigation expenses mcurred by or for a party other than an insured are deemed to be damages because of "bodily in1ury • or ·property damage•. provided· Page 2 of21 (� l!Jet:rilltw tt:l> SJdm �· fbr . ®I" !brr tti:e <ilJS! � tl1re:t: � � $;;' !'las al&:i beer. � in tt":e � � �:arndl (�Sldtn � lees 21:it:± It� � ale fi:nr � df mia paTtf ag;3ii:tsl! � ciflil arr al�•te � resmltalilill11 (Ll,«ee:limg rn ch'C't dl::rm:9J:!S b wl!tidn Ibis � .q;iplies are at� c.. licpar' lidliiltJ' "&dil¥1 il!Jii..ry•· iDl1" �I Q,B1¥• fi:r Wlri!m:r illTIII' i1'!&11'1i:d r.r:12¥ ltJe lia;MI llatllfe e.y � '°'=: (1)&ausmg; corr �mg re 1!tte � C!lff�� (21 lilhe fiumstnng off aib:h.>lfc � !ID a � tlll1Gfer tlhe Degal! � age or � ffite ,mfil;.ente of 2.'lallxJt (]I' (3) Ar:lrJ' �. ordinance Gr reg.Jla:i:n ireletim-g to tfiTe sale. gift. di5C:"blt:ioo CC" usa <Of al�ii:: beft!:l'ag!!S. This ezu:A.15iClnl � E!'\'efl i6 the c1a:m5 ag:ainnst ii1WI' insl.JrE4 aJege neg5gence or otJte �mg in: (a) The s..,pen-.:su,.. hrirg.. emplD;ment ln!iRmg arr moo!toring off O';hels by that iins:Jired;: QV' (b) PtrtNil!l5'r.ig or fal:ng lo � � vJM respea to aay petl50n � may be uncle< the ll'ffluence of.arc:itnot if li1e -�· wlml caused the � injmy"' ocr "propetty damage ., irwolved that 'M1idl is desalbed in Paragraph (1). (2) or (3) above However this exdusloo applies only if you are in the business of manufacturing , <fisW>uting. sef'fng, serving or furnishing a!'coho1e beverages For lhe purposes or tllls exdusion, permitting a person to bring a.'cohont: beverages on your premises. for consumption on your premtSes, whether or not a fee cs Charged or a license is required for such activity. ,s not by rtseH considered the business of selling. serving or furnishing alcohoCic beverages. d.Woriters• Compensation And Similar Laws Any obligation of the insured undef a workers· compensal>Ort, disability benefits or unemployment compensation law or any simt!arlaw e. Employer's Liability "Bodily inJury· to· (1)An '"employee• of the insured ans,ng out of and in the course of: HG OD 01 0916 pJ &:p;cy I Ja,IC � Ifie �r;s;;re,:!t OT tbJA:l:Ga .il.,g dl.:l!!es r.aatEdl b tltte � dlfue iruscra!lslbws� eIIT" {2'Jj The 5ipOIJS!t. c:h?t£. � l!lr.'mltler CIIT' sis113r otf tflel -�- as a � mi Par-�' l) aDl'Je:. llbis�� (1� Y.lheh!lr t!:le nst.r'ed c:iG¥ tie iatde as arr erq:ifa-,er ar ll!'Q al!i! Cl1her ca;iac?l?J'; 2ll!dl (2' lio ar,y a!Jllga:!!on b � d::ait. ages \11111h corr f!!'IDj" s..x::e:).le: el5e wl!!o must! J:lS¥' CB 1.a;es be::aise d It.let� Tlr.is � dal!!:s not: apptJ m, lia!IIT!Cf assur.r;a!! by Ute r&StJr'ed � 2:111 i'� � f. PoBUbOn (1 )"8::Jd!'; � OIi' .ptt]pedy Qiii,t.age" arisiri.g cut at O'e attual alleged Cit � cmdlarge. dspet'sal. � mgati'.Jn. re'.ease � � a€�-- (a) A1 °' from any prenlil$E!S. se or � which J.S � was at any time ormed « oc:a.;red by, m reNed or t)a-,ed to any � Howe"tef' Ctis 5tbparagraph does not� to (i)"'Bodi)' 1111J:1Y" if suslaieed � a ooidng and caused by smxe fumes, vapor or soot produced by°' originat.lg fmn eql.q)menl � is used to heal. cool Of' dellumidfy the buikting or equipment that is used to heat \Yclter for persona: use, by the buidlng·s occupantS or Uleil guests; (ii} "Boday inJUIY or ·property damage. for which you may be hekf liabte, if you are a contractor and the a.mer or lessee of such premises, site Of location has been added to your policy as an addmonal insured witt'I respect to your oogocng operations performed for that additional insured at that premises. site or location and such premises, sit.e or location 1s not and never was owned or occupied 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 wh�ch is or was at any time used by or for any insured or others for the handling. storage. disposal. processing or treatment of waste; HG 00 0109 16 ((c): i:i.ttrnd'r, ae u 11:Ai!!!c a � time tJ,a,,lS4iJWl-tedi... handle:!!,. � � dlsp:iea::! dL u pm esse: as 'Casts ti¥ CJr!mr @] Any�orr (iii) hm1' � Cl!' �Olill li:llr � � � !!le l�JJ� � «oJ /f.J!. cir � any ve,,ises, ste m lt?JI::citfOIIII cm •tlidll aJ1lj' ir'1151l1l'i!tt mr 211¥ ttxuaracbs GT stt:IQJCllta:11::as �ng i:ffr.edf1 arr � oo 2JlllJ' 1�s �If are i::erf� CJpii:11.mar ,s iii U'le "l;lQII�· are b:.Jogt1t an er b t!lre p ��er�• 11111 (X)l,NtM:dfllJl'lll 'lll.lltn 51.ffl qiti;a6.Jt cs by Slldl; � c:mrua:b Cl' Stb::OIOa!.'b ti:Metet. tt.ns s.qa33 �111.b:=.s matt �1¥ tit)' (i) "So:ifr lrP}' � � da:•G9!" � rut of "1e esca;ie off �. t.mal?S or 00rer o;,er.c1119 flw1dls ... tich are needed to perbm Oie noona' electuca hydradic (l1f medlar-=al hlndons � fmr Ole opefation o1 ·moCJile eq.JJ� « its pans, ! sucn t'ue!s. Mriia::ai:its (II" other' operating fluids escape mm a vehicle part desig::ied to hol:I, s&cre or recer.re eiein 'This eueptioo does no( � i' tire "bod:tJ rijury" or ·property dlrtlclge arises out of lhe .,tentiooa! cisc:hatge, OISpel'S2l or � cf the fuels lubocants or DttlS t;iperating ftwds. or if such fuels, lubricants or Olher operabtl.g feds are brought on or to the �. s,te or location wdh the inLcant that they be discharged dispersed (JI' released as part of the operations being performed by such insured. contractor or subcontractor; (ii)"Bodily injury" or ·property damage. sustamed within a building and caused by the release of gases fumes or vapors from materials brought into that building IO connecbon with operatJons being perfonned by you or on your behalf by a contractor or subcontractor. or (iii)·Bodily mJUry" or ·property damage· arising out of heat. smoke or fumes from a ·hostile fire·. or (e)A! 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 lhe Page 3 of21 � ale- to tesn b. rr.cmilbrr. dilsr UP.' � c:cr1alr:r. traBtt. c:!slilu.fy err r:ra.it;ail2e, Cl!' um a:iy �· rtesp:lr:dl b C!lJl' cll'.5l:ii!eS titre effi:!cts cf( "'l;!!f�·· t2) /!:..:tr; lb5s... (X]S1 €!Ir aper2 arfsiliQl c:n:it cfi arrt'T Ca) Re:;uest, de't101.d crrtf.err a"'� (!!JI' rcg:.ila:r.xry l!aill-ll� tfnacl anir � arr �6!1!5 tesn liiJr.'. ITICIITlitblr, di2ff, � � CCliTEfl!ll. !meat, det!Drify Clll' � Cl!' ICI iillll!J Vll2-f teSpuo:t 11.!Jl, m assess ffire eMedS off, "pd��Cll!" tb) 0am a. Sl!lid l!lf' m Qlll, be.'tiilf cmr a � �ly 6mr cla�:ases betatJCse lilt li=Stl"mg b'. llrllOlrriltJITimg, CEa'i,,g ui;r. rearvmg. OW1Ciani� � �fyi'lil§ OIi' �;zir.rg.. arr ,n .my tt12f resp:nir!g b. Olf assess� tne effe::ls oi. ·� - i-b':ie'1>1!1' this µa ag:apt does llOt �&,-ta, � for damages beca.r;e of ·property c1a naae· tta t1ne instRcll 'llllQ\JU OO'lle mi Cle absetla! cf such � demitrd, ordef OS' sta!uDy or. � req-.J:l'emClll. or such darn Cf' ·mr 't7f air on beharl ol a ga.ierrmen.a auttrorty g.Aircraft.. Auto Or-Wateraaft -aocBy �I.WY" OS' ·prop.my ctama;e· ansili'Uj OtJ1 of t"le ovmersh ;1, m�. use or entTUStmen2 to others of arr, a.craft . '"auto· oc wa1ett:ra,'I. C1lffled Of' operated by or reJTted m loaned to any insum:f. Use n::tJdes operalB? and "loacf:ng or ul'llloraasn;f. This exclusion aPl)f:es even r:f the daims aga'l'St any insured aJege negligence or other wrongdoing in the supe,vis,on, nmg emplo;ment. training or monitoring or othels by lhat insured if the ·occurrence" wh:ch caused lhe "bod:ty inzu,y'" or ·property damage· involved the ownership maintenance use OT entrustment to others of any aircraft. ·auto· or waten:ran that is owned or operated by or rented or loaned to any insured. This exclusion does not appl y to (1)A watercraft while asnore on premises you own or rent. (2) A watercraft you do not own that tS (a)Less lhan 51 feet long, and (b) Not being used to ca"Y persons fo r a charge; (3)Parking an ·auto· on. or on the ways next to. premises you own or rent. provided the ·auto· is not owned by or rented or loaned to you or the msured; Page 4 of 21 (,CJ l!eb11tt � i..n:ter. all¥ "lnsari!r:tl m 1%� lbrr !t.ie �P. ma11teu:a,ce ar eJ!5e di artJi'2ft or 11aale,o aft (5)"'So:i'}r r�·· or. •p,c.,;:e;t'J dalrr.Tage'' a;J!SI� cut ot (c)Tr.e � of, ,1madt11 maw (!llr � l!ir.af! fs ;at:a:jifm Im> Oil' ljlal7t! of,. 21 far.Id wlmrtle tfitatt WCJUll:11 Cjl;Jallfi1 � ttn£ cde!il!lllfCllli Qfi "h:rml!llle: �rm it ,mere l!11iltl � 1mi ai � CllT' tiffl3'iCiafl •e5?1)1.sil!J:ilit:l !ell' or o!filef rnott:,r SJrdli: i� llaa. � � IS I� cir pil!Tl!ll!ISily· 9:Jra,ged.. or (b) The�: dart¥ CJff ine rracni� OT eq.Jl;,:nenl lsfe:t IIIT P.r.iigr,. f-42» m-f.(3) of l!he defi:1rl!imiro d ·ffl!ll0bi1e �;or (6)Afl cPCa-'t £ha! IS fd OWC'led! � am/' 1!lSUfed and IS hied � Olf � l2it'h a pad aew �-!hrs erceptil!lr.ll c!o£s not a;lPl1 j Cle IJIStlted' tias al!l'f CJCle1r insurallce f.w � "'baKR/ ,IITj!my"' ar "piupe,t;, cg�·. � l!:Te other insl.sa-w:.e is pnmay euess. co, :.�1gen'l or on any OCher basis. h.Mobile Equipment "Bo(fJy qury or '"property c:tamage· amsng out of: (1 )The lransparta!lan of ·mobil'e equipme;Tr' by an ·auto· OMled or operated by or rented or IOaned to a:ry insured; °' (2)The use of � equipn,enr in, « while in pradice fOf'. or wt1ie being prepa.,-ed for. any p� racing. speed,demoilbon or stunting adivtty. i.War "Bodily DlJUry"' or ·property damage• however caused. arising «trect:y or indiiedJy oot of (1)War. induding undeclared or civiJ war. (2)Warlike action by a military force, rnclucf.ng action in hindering or defeno509 against an actual or expected attack, by any government sovereign or other authonty using mititary personnel or other agents or (3) Insurrection. rebe [lion, revolution usurped power or action taken by govemmenta authority in hindering or defending against any of these j. Damage To Property "Property damage• to: (1)Property you own, rent or occupy mduding any cosls or expenses incurred by you, or any other person, orgamzabon or entity, for repair, replacement. HG 00 01 0916 es-11 . .a,ce ,e 1t. �on air mamter.ence ofi St.:d:1- � 1brr � �. il'idl.ll:!fngi �CJr.11 on 1mtW11J to, a peraor.r CJr ear• � ltli .:u:Jttae�s pm:iper.t) t2J Frcc':uses � s:!lll gm: � CJr at:a OUF. iti tine .. � cfa.t,eg,e" arises rut d ia:1rf pat ofi tlt1Q5e p!!l!mises; P)�l�lmJQU.. f':) Pew1all �· fr.,, dire 1ta11e, � car c:r:xr:ot ofi tttre 11l!Sl:l/!edt fS) lilnet �er J!]a'tt off real � c:n wllridll p, er ar?l7#' m 1G1ac::.tmJ1s Cllf � wt'.lnlll!l§ dfredy or. ir.ldiced!� oo I�� ar.e pe:�o:it 19 op� il'l lfre ·� t.fao •La#" anses OtJt ofi 11!1:lse-� is; al' (6) � � pant oll allllJ p:cpes1y lkr.ms. be tesb ed. ceparedJ Qlf repleted beca:u:se "'ya.llr WCl!k'" was imr.;o:,, et.J!y i;ier.'"..cmted on cl. p-� (1). (3) a:id (4) of ltlis exdusiol do oot � IO •poq,erty �� (OC1'!ef' tlm damag!! by 6:2) to pi'emses. fr.n!:!11.JJ!fng lhe � of sud! J.."'1!ffll,S, � to ya, b a period al seven or ,� anseoJtive days A separate &Iii a# insu� apples l!l Damaga To PremJSeS Ren:ed To Yoo as des:.;.fi,ed rt Section m -Umls Of 1n.st1ra::tce. Paragraph (2) of ttus �or. does not a;,;,t-; ii the penases are ')ou" wlOlrlk" and were never oa:upied rented or hed !Cf' rental by you Paragraphs (3) and (4) of thrs �� do not awt1 to '"property dam.lge• arising from the use of eteval!Jls Paragraphs (3), (4), f S) aoo (6) ot ttus exdllslon do nol apply to tia!lilLty assumed under a sidetrack agreement P-a.ragraphs (3) and (4) of trus exdusion do not apply to ·property darnag:!. lo bom7"8d equipment while not being used lo perform operations at the job site Paragra ph (6) of this exdusion does not apply to ·property damage· included in the ·products-completed operations hazard. k.Damage To Your Product 9Propert/ damage· to ·�"OUr producr arising out of it or any part or 1t I.Damage To Your Work 9Property damage'" to "your work'" arismg out of it or any part of it and included in the ·products-completed operations hazard· This exdusion does not apply ff the damaged work or the work out of which the damage arises was perfonned on your behalf by a subcontractor. HG 00 01 0916 m.. D= '9" To ftup ll!C!l Pccpelf Or �11:J Nd Pl.ysiLallJ, lsjm:ed �· damage" to, "imq;iairedJ � cnr �J' lti1.dl liias. nmti beer.I' pf"Jsii::all� 1njwrie:!'., .:r.srng IDl!III mft. (1)A �. deficfer:ey,. � 0tr dla, 'gb,WS c:Ji"'dllilJl'11 U1l "p.11r J:l)"tllfudr QI' � wx::irr.: or. (2) A dtal3¥' cmr taiur:e �· yC11J11 (CT,' �e adir.rgi (JIIII piir be!itallf lb � a w.111 ac:t arr a;nae.a:t ii;ii ac.o d.o la!" willln :15 11:n:ffllS.. Thlls adueilDi'tl cbes md! �'F lb ttre lb5s l!lff use o6 d'9' � ariisf171gJ Qut off � a::ld � p'vjsili:al tnjµJ!y· ti) "JOl:III' � or ')Qwlr WIOl!k� ai'ta' 111 Ihm l!leemi � m ms i,m� wee. n. Recall Of Ai>duds . Wen Ot lillf*iled Piopedy Damaaies daiimle:1 lfotr 2lil¥ lloss,. oosll (!If erpa,nse i� by·� o,r aC'rers lbir !!he loss d use wsl!c a.al!,. recall'.. irnsp!dla11,. �·r replacen:1ett! 3:iiuslmem:tt,. remlil'Gl er dis;xisaJ � (1)"Y oir: prodJct"'; (2)"Your -.imi;":. G (3)��� if such pnJOJCt. work,. 0,-�.:f IS �'1:n or reca!!ed from the ma!!4ikel ar fralllrn 1111Se b'f any pcr.DI er �on becariSe of a f,.no.,m QC' SIUSJ)eCLod defect. deficierlcy inadequacy cw� mro.ooo in it o.Personal And Advedi$ing Injury "Sodiy � ansing out o( ·� and �irlj.urf. p.Access or Disclosure Of Cordidential Or Personal lnfonnation And Data-related Liability Damages arising out of: (1)Any access to or disclosure of any person·s or organization's confidential or J)E!fSOnal information rr,dudlfl9 patents. trade �..aets. processing methods. customer rasts. financial information. cred.t card anfomtation. health information or any other type of nonpublic informabOn or (2)The loss of, loss of use of, damage to. corrupbOn of, inability to access. or inabfllty to manipulate electronic data This exclusion applies even if damages are daimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss cost or expense incurred by you or others arising out of lhat which ,s descnbed m Paragraph (1) or (2) above. Page 5of21 Hoi.ce"lE!f" unless Pa� t1) � applies. this eucU:1siOJ11 does net cppi.)' 10 ct.;mmegl!!s be:.:au51f ofi"bcdily fmililllJ� PE wsed: ii"n dins edlJSUiir.l,. e� data rr.'eilr'l'!i ii'lltr.ttuatililn\ lac:15 Oif pllajl13.! S S'.:!Xe:: as l!lT a.T\ � cnr used! GJl1l. Cllf bta,s,..::O:d � cnr fi:amn � � iiml:fwdlj,igt � ·:s and a;ip!lr:aions � llTard Cllr � disic:s,. OO-RIOl4S. ttsc:,es. c!im,es,. eels. c!'alii= lil' oa::ssii'Tg) c1e,1ces mrr ai,y Q.dtm!fi r..e:!ia \dlim arre ill5l!!l!ll wiHm e!a::tr.mrnii:c!lly � eqwii:imei:it. q.. ��PlilCCiices "Sodiliy irqlJIIJ� b:. (1)A Pe'SOtT a:isr.rg Qtlll af an-1 ·�ac� �adfces"; 01! (2) The s;n,se. ml� pa:a2,. lbnJee" or sister of ttral! r.er'Si:lITTI as a � of "'biocff, .,... Iii) t111a:tt � c!S o:zh:Jm any .. er, ,:s,"l.t)1 ,,e:1t� pc� are dre¢tild Tots ao'usoo appDes:: (1J � tllte imj,� ewer,:. clesaltled irti t'1e def.irtilfi:m of "er:,pbyment � pra::iia!S"' cc:ms before em;m-yt11t!nl dtlli�g empbjment QI" aftSf" empli!lyment of tmt s:e,s:n: (2)YheCPret" the r.sured may be liable as an empfoyett o,-in an, cthi:r capacity: and (3)To arty ooffgaton to !hare damages with or repa'J someone else who must pay damages � of the r:ii"2Y- r Asbestos (1)"Boc:ffy llljury'" or ·µmperty c1amage· � out or the .. asbestos hazard". (2)Any damages, j.Jdgmen!s. SCIU..Pffleflts, loss. costs Of expenses that {a) May be .J\'.-an:ted � zncurted by reason of any claim Of' SUit aJeging actual or threatened injury or damage of any nature or kind k> persons or property which wouki not have ocoJrred in wt\Ole or in part but for the ·asbestos hazarct·. (b} A'lse out of any request. demand. order or statutory or regulatory requLtement that any insured or others test for monrtor dean up. remove, encapsulate contain. treat, detoxify or neutralize or in any way respond to or assess the effects of an "asbestos hazard", or (c)Arise out of any daim or suit for damages because of testing for. monitoring, cleaning up. removing, encapsulating containing treating, Page 6 of 21 �i�ng; QIT m:utrafieng OIT 1ml an/ 1113¥,' �mgi lei QIT 2S5e55111g It.le effects of. arn"asbesttJs l�azai"Q.i - s.. Ra:ouatcliiiSjj Alrrm � Of lll'zaid Or tlffimic:atiituaa Im Yidmm Of U!II' "S:ldilfJ •mJ.Lm¥�· err -� di:iia,age· arsrng d!retlly, t?llT mrdira:tl�· oull <rifi atll¥ ama:r arr (lr.l!lissill!llll tl!1Ett qjafet!;s CJJf 15 all egr;e lb •Slale'. (1) lil:!e lrel� � �Q'ill Ad. aTOFA-1\ ir:m:li:11:!it:1@ c!ffl¥ ar.r.re .ctu,e I\ d fllf adt!ilfl':llll tm, S!lc:lln l131.1D:';. (2) liJ:te. a.N-Sl?AMI Ad! d 21'Jlli3. � arrrr1 arir1i::Mcben1 GJlf Qlt' adi:!iollil!ll 10 sa lair; (3) ]]tie Fan Cr.edlll �119 Ad fFOitll•). and all¥� of air adt!lll:iolll lb swdli lli:m iimdl!lldir.l!D U!le Fair amdi � Cn!dD Tta,isadfm � (FACT Alt: Cll1' {4) PnJ federall, stale ar l'lol!:a � cndf� arr regJilati'llll!ll. (de lfe'D the TCPA ar CAA-SPAM! Atr.t c€��FCRA and lheiir � and a:i!:litilta:6, � adai!esses.. proilibils (]If' [mlls eie pri!ttmg. d51ssemunaill11'11. d!spasaf, m'lecb t;. remndiing. seciGTg.. l:2'a�11g. �C:i:lbng Cill' � d ma".seJ Of IMlfflla!ilor.l. l>amage-To �,a:ses Rented To You Exception For Damage By F'se. Lightning Or Explosion Ed� c. through h. aoo j. � n. do� apply kl damage by f;re. limj!:tn,ug Of' explosion to premises wti:e rented to you or tetnporarly ocxuped by you with pecmi&siion Clf the OM'lef'. A se;:atate lfmit of ,� applies lo thlS roJeraQe as desa\bed in Section m -Lmnts Of lnsuran.ce COVERAGE B PERSONAL AND ADVERTISING INJURY UABIUfY 1. Insuring Agreement a.We will pay those sums that the insufed becomes legally o�.eo to pay as damages because of ·personat and advestising injury'° to wtuch this insurance appties. We will ha\.<e the right and duty to defend the insured aga:nst any '"suit· seeking those damages However we wil hao.e no duty to defend the insured against any ·suir seeking damages for ·PE!f'SOOal and advertising injury'" to which ttus insurance does not apply. We may, at our discrel!On investigate any offense and settle any claim or ·suir that may result. But· (1)The amount we wiD pay for damages is limited as described in Section 111 - Limits Of Insurance; 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 HG 00 01 0916 settfemerntls unde1" � A orr B er medical � cir:d"Br' Cotera;e C. l!Jb· attiefl el!lllgabor CllT" lla!:D. it) It? pii:!"J s.irrs er. perfulm an:ts: cnr SEN!t:eS r.s wtered � �x;;il1oll� i;u:tMde!!i lbr ur:d:r � l?a:pr.:er.ilS-<!n.t!!!"2geS A and B. b. Tos; lr.15tlllc'tnCla clJQl'tes lli!ll •?:3,S&:J1.r.a! amrl �erus·mg •niufll"' cause:! bJ' ai, � ar.fsmgi out! cfi PJII' � !:n:i! � iii ltte d:'em!.e was com:-it't'Tltedi in t,ie ·� IErnritbr'i"' cdiwnmg !:le paq pe!IOO.. 2. f?Jrd),osi:Jc$ T!ltris � dllles lmilt � m: a.. Kw,mg Violation Of Rights Of� -� c!rnda:!'��arisn;�d an � � by. a:i tie cfrec::ia:n or with: tl+le alli1S!Jr.l or ai;qu� � Olli: ir:&Jre:d: w:e. t!Te � 0: � �and��- b.. lbmial Publ"l!Shed Wilh K.nowledge Of Falsity "P� arnd ad-� °'ury"' arisa1g out of oral, .. �. elf' � publea:bort i:n any mclrl'lllell" Oil' rnalffia! i done by or a1 the ciradioo cf. t!rre msmed wilh � of its ta.lsity c.. Material Published Prior To Pclicy Period � a!lid ad·.-et'tising injury" arising out of oral writteo Of eledroric pubicabon III any mantiE!f'. of mat.erial whose &st publ"C31ion took � before the begimtng of the po[:cy penod c1. Crimenal Acts ·p� and advertising injury" arising out of a cnmirtat act cornmrtted by or at lhe cfirecto, or the insured e. Contractual Liability "Personal and advertising irlJury" for which the insured has assumed liability in a contract or agreerr.enl This exclusion does not apply to liabil,ty for damages lhat the insured would have in lhe absence cf the contract or agreemenl f.Breach Of Contract "PeJSOnal and advertising injury" arising out of a breach of cootrad.. except an implied contract to use anolliets ·advertising Idea· in your ·adverbsemenr g.Quality Or Perfonnance Of Goods -Failure To Conform To Statements "Personal and advertising injury" arising out of the failure of goods. products or services to confonn with any statement of quality or perfonnance made ,n your ·advertisemenr HG 00 01 0916 f.ll.��OfPmas "Pe,50 ratl amct ad'.e:iisr.g 111.uliJ"' a:ang out off Ifie .. rcmgi �ptii:H"ll off tf1re ¢ce off goed5. �de crrsemces.. i � ot .. t.li!'D!ditm Ptupe:rty Rig!lts (1)�' andi �ems� 1np!J"' ansng lllll1f1 do 2f11¥' a:ttJz or ell� � cnr 'timfatfCl'll l!lfi am, rmt!:!llll?dUal � lligltltls Slllcdln as � � !t ac!et � ,art.. � J1al'!'.ll!! 1lra:Jle se.:x-et.. � c:t:es5;, :sert\dit:e i:t:al!llt CIT � desigt� IDff" Clr.igiim oir autli�1i:iltf; Gl1T {2J lflmr<J· inyJl"'f a c.a •:i.!gie c£Iiegled ,1111 ar-.y arm ar "51:lil!'' tlhafl also aflages ao infmgemenl CIT �mlalflill!II otf ani,' ffdettl,a/1 � lligi!C. wl!1irettle< sum �eg.tlcin of imfl'ittgemel't CJJr wiorafcn is � b'f J10U or ltlri' � f!lltrer i;ra'1J ind:ea in i,ie cam cm"'51.u-r·. �ess of � lhs llllSUllalTllee· woold � a;,pay- 1-bm� ttns e:ic::liA100 mes noa a;J;IJy i the QlillJy alliagatlar.n 1m She dam m ·sur n°Olltlng any im!elle:llial ��IS &ni(ed lo (1)blfrir@el .. re,llt � )'OtjJ �·. or (a)Co�l. (b)Sllogan or (c)Titie olf amy � or arostic !MWk. or (2) Cc:lpysg. Ill )'OU" �-a JrefSOO"s CC' ocgatkzati:,o"s -cllCM!r'..islng Idea-01r sty6=-of ·adverosemenr j. lnSIRds In Media And lnten,et Type Businesses '°Pefso"Ta a."ld advertising i1ury" committed by on� who:Se business is (1) AdYerusmg. bc'oadcastirtg, pcb&shing or tefecasting (2) Designing er detemuning content of web Sites for others; or (3)An Internet search. access, con·ent or SeMCe provider However this exdUSIOn does not apply to Paragraphs a., b. and c. of the definition or •personal and ad'verusmg injury" under lhe Oeflill.lbons Secbon For the purposes of this exdusion. the plaang of frames borders or Jtnks, or advertising. for you or others anywhere on the Internet. IS not by itself. considered the business of advertis ng broadcasting, publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards "Personal and advertising injury" aris ing out of an electronic chatroom or bulletin board the Page 7of 21 11151.Jlli!di f:ICISS. o.ur:5. CIT l!Ne" wfiid:! tl1ie insurer!� Cl!lrtl"al. n.. � Use Of AmJlhres's "1actw 0, IPn,d:lld � and ad:.e 1:sfflg i:lpy'" ar.isimg: ,:nail f!If e,e. � UISI!!: ltffl a/ c.dt!1"1'$ � Cir i;i,odu:t ,ct: JO.Irr �l' a:!dr.le::SS ct:inam, name a.-� cw an,-CJC'Ter.· sr::ilar la:tla to rrnsleadl � � CUSlJI., es. m.. Polldicn "PetSOI :a am idJl:l"t!siflg n.urf' aiisi:g OUII cf the adtS a!egeo !OW � �. dispe,sal\ s.-� mgSlUal mease c;r, es::a,;,e a!�-212:llJ' lfime n.� kVJ less.. oost or ea;rense ansrrogi �en� l1) � dema:rd. � OI" � CJ"' regu.tilory ,eq.iiie'nenl tie any .-isuse:, Olr at1e1s test for. rnme. � up. ret!1'1nYe. c:oac.im, t'eat. detoxify a �. « n any '1r3J respond to. or 2S$eSS Cle effeds of ·�3lts-. or (2)Clam or Slit by or on beha.1 of a � � for damages because d testng f<lf'. �. deaning up, rt'fflOWlg. conlafrlln9,treating. detoxifying or ne-.. �a!ling Of' .n 'an'/ way res,pancfng to. or � Cl!? effeds of ·pa1utanas· o.War "'Pe,sona and advertisng njury" however caused. ansmg, directly or indired.t.f out of· (1)War indud'slg undedan!d or cMI war {2) Wart&e action by a mifitaJy force, induding action in h:ndering or defentf:ng against an actual or expected attack, by any govemmeol. sovereign or other authority using military personnel or olhef agents or (3)lnsurrectJon, rebel.on. rnvoMlon usurpec pt;N,lef', or action taken by governmental authority m hindering or defendng against any of these p.Internet Advertisements And Content Of Others "Personal and adverttS.ng injury'" aris.ng out of (1) An ·advertlsemenr for others on your we!:> site (2)Placing a link to a web s,te of others on your web site (3)Content 1nclud1ng information, sounds text graphics. or images from a web s:te of others displayed within a frame or border on your web site: or Page 8 of 21 ((q Cc:rci:p.te:-a:n:a Sllaf"m er pn:� a�J, ·� cisa;l! ttJl era!de: 12) Yairr llleb slS:!:" ar \1,J ul!le 1,U .::se ,C2!im er-tni:liarefiq, di am "a:lli� .e':!!' car l:Jttiar' � C!lJ'll ��Sba an. � Of l?'liwa:y Oeal2d By� "l?e;sa 1afl am a:r� inti!II!}"' amemgi CiWt di !!Ire 'llllliatioo, cf a pe!SCJl"l"s � c6 pcf!rarty � llIT' a"J¥'�(ll!'� i:dt. fHbaeoler lliRs 6dlil5ii:o:n cbes '1l!l1l a!!IP.llt an. na ntt, a da •lli!lJ=S 1h32 the � 1Rru!llrll � ir.n ll!1e iilbsenoe 0: Stldt ·� err � ad. r-. VialatiiH, Of Atdi-T rust law ·�a a:ld a.tJe!l!'J:Sing ift.W aisng out o€ a� o5 an1 .iin6-bust ea, s.Seadilie:s "Pessa:-.al aid�� irisir9 Ol!lt of ttte o rnefioo .n price « � oo-;my stx:iic.s. bon!s orr either-secusilles t. Rec:mding And Dislribution Of lil;Osial 0.. lnfonnalion In VIOiation Of Law "Pe1so:1al aoo a:t.ierusrng � ansangdredly OI' inlfin!dfy GUS of any a::!iarr air omisscJn tflid 'riol21eS or IS � to vitta!e· (1) The Telephone Consumer � Act (TCPA), incu:mg any amerlldment ct « add.ton b such law; (2)The CAN-SPAM Act <>-� 2003 n:iudmg any ameooment of Qt' addo!;Jn to such law; (3)The F3lr CrecU Reyortjng Act (FCAA). and any amendment of or addition to such law inQ.lding the Fair and Accurate Credit Transaction Ad (FACTA); or (4)My federal state or local statuteoru.nance or regulation, other lhan the TCPA or CAN-SPAM 1v:;t of 2003 or FCRA and their amendments and adcfioons. that addresses, prohibits or limits the printing. cfissemination. disposal, C()l;8dJng recording. sendrng transmitting commumcabng or distnbubon of material or Information u.Employment-Related Practices "Personal and advertising injury· to (1)A person arising out of any ·employment retaled practices·; or (2)The spouse. child parant. brother or srster of that person as a consequence of ·personal and advertising inJury• to that person at whom any ·employment-related practices· are directed HG 00 01 0916 Th.is emlLsorn applies:: f1J Wl':e!Jlier the ir:tJ,�ng: �ent descr.l:!ec ictll l!ne Cilefir.litiG!rnl afi ·em¢� n:i� prai::llces" oc:r.:ws lle'i:lr\a e:mp1t1<prent d:uir.ng e..ipjc,pment arr afu:lr empl�e:it Qfi !lttct Per.:ont (2) \'lil:it...--tt."� tre � m:18.1' tae liGlble as am, empft;l--JEr orr ini any att.ier aped�· andl (3J 1i Cl' ar'II'/ mfliigaiorn tllD st;are- daH,iiil'.f!l=S llllitl:D Clll'" n:;:ay SU�� ellse wl'lo lll'llllS! Pf dla: r...ges bla:3•151!! t:ni" l!'te unjjJIIJ. v.Asbestos (1 )� a'lllli adH!1rtising 1111IJ!l111" ansi:rgi out � ttie .astJeslm. flliic3"Ca (2)krf aaaa_;e;. � se:u�. li:JSS, cos::s er� lllra4r fa) f/.ay !!le a-naidled l!l1T 1� � neaso:i of azVJ dam orr 2.lit aile!l!lim-g actJ:Jat1 ocr � lrtpJl"f or mmraga-ali allj' � or bid to pe 5016 Qtr � � '4� m hcwe oc::c:m,:1 un vihole °'in� btlt b 12iie ·� �= (b) Arrse M of a:i.y � cte:.carld. ordef" Cf" s&at:Jeor)' er � ,eqtiremen; 11:rat any insured! arr OC'9S ffS for. n"Ot'"..or-. dean up R!m:l�. �. an.a:n b'eat, �fy or neutraize 01r 1n an1 w.rr fespo!'.ct b or assess the effects ol an ·asbestos ha.?arlf". QI" fc) Alise out of aTJ¥ d.,fm m SQJil for damages because cf t.estil'lg fOI" momtonng deaning u;i. remowlg � �. treating, deto,u'ymg or neu'Zafi:zing or in any way responding lo or assessing lhe effects of an ·asbestos haz.anr w Access Or Disclosure Of Confidential Or Personal Information "Personal and advertising sni� arising out or any access to or dlSdosure of any person·s or orgamzation·s oonfidenbaJ or personal 1nfonnabon including patents. trade secrets. processing methods. customer lists, financial infonnabon. credit card information. health infonnabon or any other type of nonpublic riformabOn This exdus,on app11es even if damages are claimed for nol.Jfical.ion costs. credit monitonng expenses, forensic expenses, public relations expenses or any other loss. cost or ex.pense incurred by you or others arising out of any access to or disclosure of any person's or organization·s confidential or personal informat on HGOO 01 0916 COVER#.SE C IIElt'CAL PAY'UiSIRS 1_ tl5dli21ig Agr&,� a.. We \Iii!' liET n::edii.:21 eqJe ISilS as des:rme:t fJe!loio limr "boi!II,· 1rni,Jr)"" c::ausa:I! � arr a:::od!!rnt (1) Om p er ise:i JW1 ENll!m l!Di r.ernt (2J 0:ii VX2J$ ne:d! 1cJ> �ses y.cillJI CIWl1I CIT ramto:- (3) Bera,se of ��mm; pt!MdletJ l!iEa (1)TIie a:c!dlanl! tar..es � lllll tlie "Cl!))¥� e,ta,.. ai1d ci!Jrims lt!ie l!JOllq P=f!iodt (2) The e..per l5eS are ir.l'IC.Jt1'ed ill1mll � RD us �n t--r.ae � oti tfue cl.ate- tD1! 1t!ie �aoo f3) The 1nfruredl � !5lllflw.li5 1lil' ezamnc:Jr1. al OlllT" expense-, � physicid: is ct OlJr" c::hace as d!SI:- as '«'= rea3illl� re.pre_ b.We \WI male c.srese PiJ)fflel its regardless af aJI.. These � \WI oot eu:eed tl!ie a;;pkatl8e &n:l of insuraAce. We wzm r;iia, � expenses rar (1)Fsst aid adn=i� a1 tme tii:me of ar.t � (2) Necessary medcat. su:gcaJ. X-ray and dentall se,vas, IJIOu.f.atg posl:heti:: deces.and (3 )Necessa»y ambulance, hospta4� profes:si::ma! R.ifSIAg and funer.al s..�. 2.Exclusions We wi1J not pay expenses fOI" "bodily injury': a.Anylns� To any insured, except-�� wcners� b.Hired Person To a pe™>n hired to do WOJk for or on behaJ or any insured or a tenant of any insured. c.Injury On NormaDy Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies d. Workers Compensation And Similar Laws To a person, v.tlether or not an ·em�· of any ilsured, if benefl1S for the "bocffy injury" are payable °' must be provided under a worker.;' compensation or disabiity benefits law oc a smilarlaw e.Athletics Activities To a person inJured while practicing, instructing or participating in any physical exercises or games sports, or athletic contests Page 9 of21 fi..��Ha:zad lht!:luI:le;t ,alfmrr the ·�l:::tt:dl opl!!ratimns h1az::a11T g... Coaeraga A &ck:Jrsics},n,s �l!lded! Lll:lliler. � A. SllJl?Pl.EIGl::T.MY PAYleKl'S - COVERAGES AA,e,B 11. We 11Ull pay 'tllltm respect to ali1li detL'ml we 1rwestlgafe arr settre. I/JI'" c!IIL"j" ·� 2glair.1511 am irnruredi 111e defend!. a.Alli ex� ae 1l!IIOIII'" � Up; 11:l Sll.l!lmml fiw oo511 m bai� tltJncl!s �l!EII lbex:::21.J!!ie off a::.clfel1lS er� llae' ll'i� arismg: own Q1i t2he lllSe Glf an, � 11o> wtnum the 8adilif lni� �1 � appies. We m 11� � tm, foniilsh � lloia:1s � The alSI at � bcn!s 0,-bards bl> rel'e;;$e �ii:rJeJts, � ooJy foct bald � 'Oi�ITI l1iTe ap¢�1e l:anil of� Wed:> IITOll lrlcWe � f,.Jl'tils!l 1'l1!5e bon:ls. cl. M � upet:'IIS(lS S1Qll'll!d bW the mnd � OU" request to assist us in !!le iruest§c00l1 � dafen5e of the cam or ·Sl!Jir. 1111d1Ud1119 actllaJ &os.s of ea.-nings 1JP to $500 a day' because of tire off trom wut. e.Al1I cooit COSIS taxed aga::lSI the hsuin!d in the-"suit"' ��vet'. such costs do not 1C1Cltide at:ctooys· rees. attorneys· expenses. w� or expert fees, or any O'!her e:q,en:ses at a party taxec to lhe insured. I.Prejudgnl.er.t irlWesl awan.fed agaaiass the insured on that pa.'1 of the judgment we pay tr we make an offer lo pay the �ble � of �-we wdl not pay any prejudgment mterest based on that period or time after lhe offer-. g.Atl in':Sn!:Sl on lhe ftA amcunt of any ;,dgment that accrues af1e. entry of the judgment and be!ore we have paid, offered lo pay. or deposited 1r1 court the part of the JUdgment that '5 Within the applicable hmrt of insurance. These payments will not reduce the limits of ansurance 2. If we defend an msurad against a �suir and an indemnitee or the insured is also named as aparty to the ·swr we will defend that indemn,tee if all of the fo!lowwlg condibons are met a.The ·su ,t* against the indemnitee seeks damages for which the insured has assumed the liability of the llldemnitee ,n a contract or agreement that is an "insured contract·; b.This insurance applies to such liabllrty assumed by the insured. c.The ob'igation to defend or the cost of the defense of that indemnitee has also been Page 10 of 21 ell lil1re alegani!m:5 ,r.r tr.le ·suit'.'· ard It.le II ,liJ,.t,.11:!DOl'll we lo'lor.i:i � lflle ·�· ara S!ldi ltial m o.:inffic:t � to e:aist betwee:u lfhe U"b:i ess ati i:ie r.sJi!di anc!i 111re rnle'ests di ttre i.ldet .. Glime. e. Tlite ira:te::,rm� aid U!!e n5111,."'ed asi 1!16 In· aJTTduc:r arnd! � 1llte dlefe;ise off !!'ram l�bi!e ag;;il!ISt sw:;j:,' .Sl!liir arnd! � t!ttat we c:aim assigm llile Silr."le � IIO � llhe 1J111SJr'B!11 arnd Ifie ii.d:!:.1eib;e ani f.1Tllte i�!Ee: (1)AsJ'ees 1111 � b: (a)� wil'!1l us in� �"ltllrn.. �or� of the ""sulr (b) �FIJ:l,iedf3'.e.y sen::f US COpE5 off arrJ <b::aiEtS.. nmces. sur.manses er� pape,s irea:wed in QJl'.11 ie:::tioo wm t.11te "stt (c)Nay aay utl8 i:lltsurer � cal'el� is avdable to thelfldemne; and (d) O::lo;ea!e fflth us will respect to mmu,e� oct.er a;lllk:3ble m.rrance a-� b the �. and (2) �es us wctt �en authorization to (a)Obta:n records and other infonnaoon ,e&atad lo 1M ·su:.r; and Cb) Ccntuct and control the defense of the stdensntee in such ·SUit"' So long as the � � are met. at:nmeys· tees inQJned by us in the defense of that indemniree. neoossa,y l:tigation expenses incurred by us and necessary litigabon expenses incurred by the indemMee at our request wi!J be pa:d as Supplementary Payments Notwtthsland,ng lhe proVJS•ons of Paragraph 2.b.(2) of Sedion I· Coverage A· Bodily IOJUI)' And Property Damage Liabilrty. such payments win not be deemed to be damages for "bod•y injury"' and "'property damage" and will nol reduce the limits of insurance. Our obrigabon to defend an insured's indemnitee and to pay for attorneys· fees and necessary litlgation expenses as Supplementary Payments ends when a.We have used up the applicable limit of insurance in the payment of JUdgments or settlements; or b.The conditions sel forth above, or the tenns of the agreement described in Paragraph f above. are no longer met HG 00010916 SEC71IDl'E 11-ffl!fO llS #lN marRED 1L If �OU aredesi�lil'T,lf!ie � as i!.. /In, :m:!i1tidual iOtl! ar.d: � � aire insureds,. but!�� '&ilfr. � In !file an11.JICI: clii a: txusines afi w.fiiid!II JClLll ac lftle sole CW&l'lell I::. A. par:tr.ietSIT!ii;i, orr fltrii:tt venb:e.,. ytlCl, arie-.an, l115tRd Ycull' itli!lt.t:oet�. JGJf" pa Ol:e.S.. asncti lfreir. '5i:JCJ' IS!S 2lle aS!l> 1r::a,;ecs... � � lrlilf:. � ID the CXll'll:!l!J.:t ctf � bwslllll!SlS.. c;_ A ff ccrib::Gf llabillltr m:. pe: •'J Jl!llJI are a:. 11iStl!!edi YCll!Jf,' me:r.tlells ar.e aso � but ffl¥" 'Cilh fi!Sglled. 11:? llile OOt!ld:m oG' )'Ol!llf business. �G..111' raa.rag:t5 ae � b!tt oot1 witfD l'esp:d to ffilell' c!.Jte.s as JCllt.' � d. M ug;actz:aem � � a pat;e::llliJ, p;tt � or limedi ta:Jilit:y �. )'Ckll are an 1nsunw YCl!Jt" "'eir.eoibfe affi=ec5" and diredl!lrs: are ir.stM!'eds. but ooty � respe::t b their. duties as J10Q1!, afl':ceB or cfredofs YOtJr � are as:, cnsureds but omy 1'riC\ respea bthm �l) as�. e A. trusa, yot» a:re an insu:7ed YOUT trustees are a!ISO instireds . but only "\'nth respect to their clut:e5 as�- 2.. Each oli tJlne fobMng is also an ir.1:sufed· a. Employees And Volunteer WOlb,s Yotllr "vol� wcueis"' oofy vJtde perfocmng dtJbes retate1 to the conduct of your business, OI" your ·emp1oyees ·, other than eittier youir ·executwe offacen;• (if )t)U ara a-i orga:v.zabo."\ otl-ter than a partnership pm venture Df Im� babiity company) or your managers trf you are a lsnuled liabddy ccmpa."\y), but only for acts within the scope of thei:r �I by you or vmile perfom11ng rlutJes related to the conduct of your business. H<t .. ..ever. none of these ·employees• or "vot.mteer WOC"i(efS- are insYreds for (1) ·Bodily in.iury· or "personal and advertising injury'": (a} To you to your partners or members (if you are a partnership or Joint venture) to your members (1f you are a limited liability company). to a co-"employee" while in the course of his or her employment or performing duties related to the conduct of your business or lo your other "volunteer workers· while performing duties related to the conduct or your business. lb) To the spouse child, parent brother or sister of that co-"employee· or that HG 00 01 0916 ·1xc1un1e;1r � a:. 21 ccr.iS!q:::;e;;ce of. ?.!rrag:aph, (111421/ aitoie; (tj) IFOJr wrniitl!ll there IS art¥' Ci!l!Jll¢or,. 11:l st-.an? demagJ!5 llllilfr., eur �· sm. 1eai,ie ef!se � must l!l8¥' da:i� met:at.l& Qf the U"1!.llllll' �be!II lffll Pa� «-fl� ClllT" {(11.lOt)) abuve;. GllT" (o) Jl'.r.i!Si� u di l'ris OT' Iler � � falingi In i;mt!Nide l,ll dessiamail lleallh C3ie semces. Iii� aie m!ll! ini ttTe l!rusiness a 5Jl!Olii!fu:lg �l!lli18il H!eallffn caie sar.tfu::es.. ta) &bpanagta!!�lts (1Xa). (1)(b) amd (1Xct at!laNe fib a � 1t1, affll)" ·eu4lb-Jft " OT' -\tl!ll� � pro:fdfmg firSI! ad seMcteS:" amtt lb)� (1)(d) cD:PWe ctle$ oot apwl7 00, arty nurse. ewteigerrey medm'I D!dill10at.1i cir p,ar:a'.?leX � by � ba pn:l'rir:le sucli'D senices.. (2) � &rTtagie· bl>� (a) Oa:med, oc:a,perl m usect br;. (b) Re1le1i to in the care. aJSIOOy or axtn:n d. OIi' OQ9 r.xh � � i5 being exertised f« a.ti)' �by you. any of � ·ernp:oyces"'. "\rdunteer �. 'fJlfV'/ � or merme,-(d }OCJ are a pztnershii;, o.-joint \'ef\'tJre ). or any member (ii llO' are a bnaL� iabUy a.�)- b.Real Estate Manager Any pelSOfl (ottTEf' tha'l }'QU" •emp1oyee-Of '°IN:JbTl.ee, woritef"). OC' any orgaruzabon while acting as your real esfcq rr.ana:gef' c. Temporary Custodians Of Your Property Any person or-organaabon ha,nng proper temporary custody of your property Jf you die, but only (1)Wt.h respect to liablity anstng out of the maintenance or use of that property; and (2)Unlit your legal representabve has been appomted d. Legal Representative If You Die Your legal representatrve if you die but only WTth respect to dUbeS as such. That representative wm have all your nghts and dubes under Uus Coverage Part. e. Unnamed Subsidiary Any subsidiary, and subsidiary thereof. of yours which is a fegaDy incorporated enbty of 1.vh1ch you own a financial interest of more than 50% of the voling stock on the effective dale of the Coverage Part. Page 11 of 21 lilr.e 1n!Sl.:lr..nire affl.u Je:1i literer.ll fbr 2J1!¥ S'..mdian) ratt � il'll tr.tis Coe� l?'cillrtr as 2 � ii"ls.lrc!di dbes mot! �� lb imi� Qr;" ctri. '¥' 11111tn resp::dl b wltric:fin Slim instJrei ,s aim a rnne:f ii:'sJrm � ai ,w ier po11q (!IJ'" 1mlCiXllt:!I be a � insurad llll!lder SUlth i:ialiq lbu.ll fbrr itS ten ::f1matSm or 1!ne E:lf'ia:.st!l!ll1l cfils filiJllils cofi .� '.l IIC!!wt'y Aap"n!d � Fca....ed Oi!fiii titati:'" � �li:!2U01!11 YtJl!l. ne&l'j atqt..:.il!e (II'" fiorm. GrttreT 1!nar.ll a par llttet:'Shp>. �onG "� or .!mile± Jfabill� (..Ull J pa,,, aid � ... r.um JOI!! man!lalr.t, fi�al I� of mcJfe d'TaEi SQ% of� W(JOr.lg smelt. wil �� as a Hatred ts.ired m 1re1a 15 mo otitter silll'llltar il:&.r...a;e .w.!l!ti!!Jfe to ttiatt �izaean.� a.� � tns � is a"rortlied oot,; W!l1JI die 180ttl: my .mief' }OU oar_ira 0#" brm the � ()If the el!lld of Ile po(iry;,e:m. � is eia=ler; h. � A does n!lt � to "'oocft/ cnjwy• Cir �· c:1amage-· � O£aJRed llefut!e � � ovf.:rmed Cle� am c.. C4:Nerage B ooes oo4 applv ID -pe,:� and ameti1SW1g: � a,isir1g cert of an off.efise comm::!ed llefore you aap.-rao or formed the � 4_ HOt\lCMned WatMctaft With � r.o 11-�cr-1{1 yoc, do not own that is less tnan 51 feel brig a.'ld is not tie.lg used to cany pE!S'SOllS for a cha:rge, any J)8fSOn is an inGured wtuie operating sum watercraft wiU1 )'OW' permass:gn. Any other person or organtza!in ri::ipOtlSib,!e fa the conduct of such pe,!iOII is a!so an insured, but only with respect to ia� ansi'ng oul of the operation or lhe waten:rafi. and only rf no other insurance of any kind is available to that JJefSOO or organization for this liability Howeve-, no p!!f'SOfl or o,yanizalioo is an insured wrtl1 respect to: a."Bodily injury'" to a co-·emp1oyee· of the person operating the watercraft; or b."Property damage· to property owned by rented to. in the charge of or occupied by you or the employer of any person who is an insured under this provision. 5.Additional Insureds When Required By Written Contract. Written Agreement Or Permit The following person(s) or organization(s) are an additaonal insured when you have agreed, m a \ .. 'rttten contract written agreement or because of a permit issued by a state or political subdivision, that such per.;on or organization be added as an additional insured on your poficy. provided the rn1ury or damage occurs subsequent to the execution of the contract or agreement. Page 12 of 21 A. pa:sD!I' CDr �iiz:atu.: IS a:n adt!it£ct;;a!1 rs.ired' wider lftiis i:mmnscr.n com1� lbJr tba! i;er.oo oti nme llli!ql!llrre:t � lfue ti,XlJ•1aadi 01r ag:een.e.a. Hbw!:'.!err m 51.ld:TI p:rsmr.n Qli fJl'3ji!tizzfmt is a'll lr:r5ll111c!d1 � llms i;inNIISi.JITD ilf Sl!J.d:n � (!JI!' �l!ll'll 1s i� as 21:11 lnlStim:II bj' am e di.D se. 1e1.1t issue.I: � us and � a � or lt"is <OINe-age Par.I!.. a.. Ye::IICl.ws k:rlf �s� m o:pa�s) t:efeed ltli lae!IJwl as � Clll!I � � � ro, "l!lodil? fl'l!WITJ" air "p:EJpellt)' c!asaaye· al!islng Ol.ll1 of� �-· W'1ldi cllJe cfsbibct:aji OIi" Sllllli1! illll b � c:use d h: ven:bl'°S lbusiimess amdl oni'f it tis Co\'� Paatt R)nMdes c:N'e'.ag& b "boc1'y l� u "p:cpelt'r �-l'l1dldrd •i:hn ttie �ape,,a!ioos hazanf' (1)The llitSU'illl1D! af.bded the ve,dor IS sua¢d to I.he � � ea::iulsioos:. lillis � d:les not a;,pfy to: (a)"'S:dy !rjJfy" m ·llfD'j;lerty damage. fa: wl'atiJ lfTe � is � to pay dlamages by t'l!li!:50r2 of l"te as:s&.:mp&ln of. � in a cootrad Of' agn::emeoL ihs exc:tasaon dGes nol a;J'?ly to � for d:anrages that � ,;endo, � have in the � of the OOl!l!:lad. or agreement (b) Any � Yra:rra:Aly uraf.horized by you (c:) Any phys.ta! or-dlemlcal charlge Ill lhe product made inLPflliona!ty by the � (d) Repadcag:ng except � unpadted solely for the purpose of inspectio n. dem<>n.Strabon, tes&lg . or the substirution of parts under instructions from the manufacturer and then repadlaged m the onginal container, {e) Any failure to make such inspectJOns adj-..strnents tests or servicing as the vendor has agreed to make or nonnally u�es to make in the usual course of business. in conned.ion with the distribubon or sale of the products; (f) Demonstrabon, installation, servicing or repair operations. except such operations performed al the vendor's premises in connection with the sa1e of the product, (g)Products which. after d1stnbution or sale by you have been labeled or relabeled or used as a container. part or ingredient of any other th ing or substance by or for the vendor or HG 00 01 0916 oo "EiGldll,-il'llcqf' (IJT" 1,;t� aa . ""'!#"' ansng auu off 11!:e roe rregff� at, tine verndbT fuJir 1t?s 07.11:llll acts err m:tis:siC!fflS a. tr.cse on 11s �us mi:-� else c!dir.ia 0111 its b!P.ali Pb.� tfus e:d�mtll aies rn:!I! api:n :, IE.: «'» T:1he �IJJilS a;,r,iraLei um St:Jb.. lilBl'ci9J aphs fdj air (f);: er (iii) s.d!i rns;:;ectiGms... ad!,i:.St�.�. 11:ss or ser-� as t!he � Illas � b � GJL'" l!ll!ml'r.r.3lll)' � to r.-:as in ttre � co.;ose m lll!Jsiir.ess. iinl otll! ,cle:dlam lalil!rn l!ne � or sale irm If.le �- «2) lilnis � ooes � � to � j� � Of" � fmimi wtin!lm ytru tr..ffl:' ac:qwed 9Xh � or i:lr'J'f �.. paiit Of" �. enterimg mm. �Jll19 (JI" a:inta:ncg swat prndiuds. b.. Lesson. Of Equipment (1)Any pe:soo(s} (JI' o,ga,r.zatioo(s) �•lllDm PJ �ase ecr.ipJett wt my v&h resped t!) tier lia!l)!ty fo;- -iiocBy istpt,J". �f damolJe-oc ·pe,sana1 aoo � � caused. in l"lhole or in pat,. by yow-ma::rr!enance. operaoon oruse of eqwpn,ent leased lo you by such petson(s) or cxyaniztl,tioo(s) (2) WL'th re:spect lo the insuras".c:e afforded to these ad<M:ona l ensured$ this insurance does oot a;iply to any ·oc.currencs:· which la.tes p&a«::e after" the equi;lment rease expues c.Lessors Of Land Or Premises Any pefSOO or o:ganZltion from wllom )'OU tease land or presnises, but only with respect to tiabny ans,ng out of the ownership, masltenaoce or use of tha t part of the land or p,emises leased to you With respect to the insurance afforded these additional insureds the following additional exclusions apply: This insurance does not apply to. 1.Any ·occurrence· which takes place after you cease to lease that land; or 2.Structural alterations new construction or demolition operations perfonned by or on behalf of such person or organization. d.Architects, Engineers Or Surveyors Any arch:tect. engineer, or surveyor , bul only with respect to liabtlity for -oodily injury·. •property damage· or ·personal and advertising inju� caused, in whole or in part, by your acts or omissions or the acls or HG00010916 amisisfCJ!'i5 di !h:!se actfwg: CI1l1 � �f{i1]» lr.n OJme:tjmn, \llliltn p:irr praniis-es;: t!li P"» Jim tt.e l,)ld,'liii .,.,.;sr·i::e cm p.ur �� �cr.T5 pa fii;rl'ti;d: ®j" ¥()WI ctr C!llT1I � tJeMiifL 'lttiltn � Im tl1!e ;f� � � adtfil!omEi i� tfhe fiJI JENl!i� adiditicmaf e:cc:!l!lsii:irn ... JES: liHtie i� � � � in "Dildil.y imjµny"',. flk' iJP=J',tJ �w IDlr "pasanail � •ertfsng r�· ansi� 0011 at lt!E ,e1!i.lt!lir.is atr m llhe f.ain.ire llll> � any, �li'.ll!Tcll �illl!!S l!l'j' l!lir b � ira:.dmg: 1.lilie � � au f.a1iing to pi,� ar apQl"We. � stio;, dlram-mgs,. copimimms.. � � &sti �� Gltdas or <l:'a,ings and specli�mms;: ar 2.. Sw;:en-,riisol!Y, ia,�tion. � or �neerfing� This e:u:bslDl!I a� E!'\'ef1 If the da,ins agaim:st 00)' ICll5U'l!d a!lege, �� Cl' QCtier w� in the �. himg, � trailing or mali::a::ilig: � cChetS � � tf1SU11!1t. if tile -OIXIJffenee- whiCh c:atJsed the °bod!ly in.i'.iry" M •prtlpert)r �·. er the dfel".se \'Which caused the "'pefsonall am � injury'". mvol'ved the fl!flo:!el!ll.o of OI' l1le faiure b rendef any � senrices by Qr' for' you e.. Pennils Issued By State Or Political Subdivisions Any saate or� su!Jdivisi;.n. but ooly with rns;,ed to operations pe,fooned by you or on your- betl3CI' ro,- which the state or PQi'JCal � has is.sued a permit \rVrth resped to the insurance afforded these addtional insucds, lhis insurance does not apply to: (1)"8ocRy 111.JU,Y ·property damage · _ or ·persooat and advertising injury" arisu,g out of operations performed for the state or muriicipa6ty: or (2)"Bodily mjury"' or ·pr operty damage· induded within the ·products-completed operations hazard·. f.Any Other Party Any other person or organization who is not an adcfrtional insured under Paragraphs a. through e_ above, but only with respect to liability for 'bodily injury", Rpmperty damage· or ·personal and advertising injury" caused. in whole or in part by your acts or omissions or the acts or omissions of those acting on your behalf: (1)In the performance of your ongoing operations ; Page 13 of 21 (2) lt:n m ::i .e::JiCll'll 111:ittr. � premiis!5 � � COIi' rar.ita:11 ID� orr (3J lb OJt.t e::tlm wilh, -� -.c!D"',· aid frndt.d!!d. llrilfhir.n tfire, -� q;reratii:lr.!5 l'r.mar:tl"; btlln anf¥' If ta) 1t.te '&littlam c:aun a:t l!llf ..gi ee t.21.,, l'eP,!llffl:5 p.i. tllP (;lJllllVide s:11dm � tD Sl!IIClm adi?llbttmtal i� and lb) li!ris Co.ienage !?ant �des� fiur.' .bodll� illlj�f' C]r,' "b> � dia, ... nmdude:t •itfmr:;, ll!le -� �1!19�� HliM:ENer (1)lille j� ai'bG::s! lb smdiT � mlA!d Cllill� aQ'Pffes 1mi lj!ie ede£1C pe,,n ft!edl � �=-: arndi (2) � c:cwrage �id!ed Iii> dile � Insured is re:i'1Jired! 111y ai c:o:aa::r or agree:me:'C.. !file � afix"dled In such � IG1S!Jf'ed w�U net be bmdel � Ola! wtizd.11 pa are � by Ifie cmlra::I or agree,:, ,Bit. lb plO'llde b such add.tform� With Je5!Pedl b tfw � afforded to these�ins� this·�does oot a;:iply to- "Bo(9y IJll.Ury"' •propet1y dalllcli!)e• or -personal and acf,1e,t:s,,g: ..-,ny· a.1Sing out of the f� off, m' the faillure to rend2f. any µrofessataa � � or su�semces. �: (1)The p,eparin;. �. or raib'lg to prepare CK �e maps_ shop Cl'3!t4;� opnoos, repoos, surveys, fieJd Ofdefs, change order.. Dr' d:ravmgs and specifications: or (2 )SupeMscfy. i�, archifectural or engineenng adMbes This exdusion appres even If the claims against any insured alJege negligence or ether wrongdosng in the supeMSion hmng. employment. training or mon'loring of others by-that rnsured if the ·occurrence· which caused the 'bodily mit,lry" or ·property damage·, or the offense wmch caused the ·personal and adverti51n9 inJUry", involved the rendering of or the failure to render any professional seMces by or for you The llm1ts of insurance that apply to additional uisureds is descnbed in Section Ill -L.units Of Insurance. How this insurance applies when other insurance is available to the additional insured is described in the Other Insurance Condition in Section IV - Commeroal Genera" Liability Conditions. Page 14 of 21 11b � C!llr �22il'ill1l 1S alll ll"TSI.J'El:t \lllitt"' � b !be a:r.n:!1d otf all¥' ct:m!:l'.1t1 or (llest1 � ,e�� j,IOii!Jtl ventl::r.e, CIII' I� l!iatiili� OJlr1 11,181�'1 that IS rrotl sh:lmr as a Nar.ne:li � :ffl\ lfTre l!Jedlielalcu:rs SEC1IOIICI 11-1..ArrrSOF � 1.Thie llost We Will hy The !Ui!r:Til!s di irtS:Jtr.!rll!l: � 11ii\ !tie �1!)1!1$ aEldi dhe rules belblm Ii� the r:noet we WIii pey .:egardless cf. tfile mllnni!!er oft a.fm&Jneds;. b.Oanmsill!lifdeCJIT'.Sllll5" l!mcn!l-oir c.. � Oil' �iz.aticms rnnaklr,rg, dair.ns Cl>' �-SJlls"' 2. Gerlf!QI Agg,e:gate Limit The Ga'leroll lq;J. ega!le-l!.Jffl'Til! !5 tlhe rr.csl Ille d par b the S1lm et- a.Me:bcall expenses� Co,r� C: b.Damages undier Coe;;;ge A,. � � because di "loodlli, .n;s,r OIi' � dama;e" ill1dJd!ed! lilt,�� ccxu;:.� operaDl& r-..azatf'· a!ll:I c. Damages Ufl'def"� B. 3. Producb-Completed Operatiol.s �Limit The Proda::is-Comp,� Operafoms Aggrcgale lirnrt IS lhe most we will pay urrcfer Coverage A for damages because of 'bool:'y � and •property damage• Mt.Jdled in the rproduds- ��hazard"_ 4. Personal And Advertising Injury Limit Su!Jjecl to 2. a!:xM!. the Personal and � IDfUrY Limit is the most we wt pay under" Coverage B for the sum of afl damages because of au ·personal and actvcrbsn1 injury" sustained by any one person or organrzalJOn_ 5.Each Occurrence Limit Subjed to 2. Dr' 3. above whichever �. the Each Ocamence Limit is the most we win pay for thesumot a.Damages under Coverage A; and b. Medical expenses under Coverage C because of all "bodily injury" and ·property damage· ans1ng out of any one ·occurrence·_ 6.Damage To Premises Rented To You Limit Subject to 5. above, the Damage To Prem;ses Rented To You Limit is the most we WlR pay under Coverage A for damages because of ·property damage· to any one premises. while rented to you, or in the case of damage by fire lightning or explosion. while rented to you or temporarily occupied by you with permission of the owner. HG 0001 0916 lhl ttne- c;;;ase off cilem:tage � fi� llgtl(r!i!'iQ! QT" etplbsiart1, tt!Ie �e lb �sss � Tc VQIJJ t.iirnl! aQJlllles tm a111 ca ,age i;mo.'G�J c:ausedi 1!1¥ trre 5aTle eter:t. �e-Sl:.ICh 00 I ,age 11l!!SU115 mtilml fiie,. llgl'ltmir.rg_; Cllf e;lN::Jscr" or any c:;in,t:nr.iaorm ofi � 7 llle.di,::;;i Ecw1.a,,se-ll..is!d SillbJ.ed! ID 5.. �e, ttne Medic.a Elcpe,ee Lima is 1l!te Pl'lml! 111e WIii llJ2j U'.Tder" eo,rerag_e c b am rmedfr.:all e:¥P8,IISl::?S l:re:at.ue Q1I "bodll7 fr:'ig:.ry SUS9Jmed! l:l>J' � one, per'S1iJ11 6.Haw Limll:s AflP'# To IC<•Bii, ..al l:wwwecb lff i'Qt:11 llla(e agreed irm a '\lll!il!!l:lrr m 11tai::t orr mi� �� ttnat � � OIi' Cl�Nila1%1DR oo adtfedi as aim adl!flilmna1 � oo ycur �. t:ne C'ms1! we urrlll /;SJ' oo ltie'lalll raff $tdl atifiooalf �ast,,e�cw a.Title llmils cf i� spe<:ified fn, tf.le � � mr wnt!efll ag,l!.e'""eL Clll' b.The t..imills at � shJwn IJill the ()ed�or.e;._ Such a:nount sh2!I be a jjl8ft d and oot n additJ.on tD L!md:s elf � 5CIOllln in the Dedararons arv:11 descrbed irrll tins Section. The L mts ol � of tlu5 Coote-age-Part appt'f � ca eam conisecut.w amuat pelioo and to any rernaring period m Dess than 12 months. sta.'1lng with Ole begim'IU19 of the poky pe,IOd showrt in the Oed:a."a00!15, unless Dre po(Jty period is exterded after � fOI" an adilfltJonaS penod of less than 12 rncJrd1s In that case. the addibonaJ period WIil be deemed part cfi Ille last � period ,� purpose:s ol � the ums of Insurance SECTION IV COMMERCIAL GENERAL LIABILITY COHDITK>NS 1.Bankruptcy Bankruptcy or lOSCllvency of the snsured or of the insured"s estate wil not relieve us of our obligations under this Coverage Part. 2.Duties lo The Event Of Occurrence. Offense. Claim Or Suit a.Notice Of Occurrence Or Offense You or any addibonal insured must see to 1t that we are notified as soon as practicable of an ·occurrence" or an offense which may result in a claim. To the extent possibl e notice should indude (1)HOVI when and where the ·occurrence· or offense took place; (2)The names and addresses of any injured persons and witnesses, and (3)The nature and localton of any 1nJury or damage arising out of the ·occurrence· or offense HG 00 01 0916 b.IGa&.:e Of eem llf ai dainm fs � CIJi ·SUltf' Nii � ag.;il'TS! � I� ysLI. (lllr 21111' adl!tilicr.re( I� rm:istt. (1J JM-.Tedf� rei:mr.d trne st:red'ii!S ai tt:re dam err • switr am:!! dire date r.ec:eifie:lt and! (2J INbt!fiJ ws as $l!IOl'1l as J:RCl]i::afile.. YCIWJ or am, adt!Ufcrnai ir.rs.r.!l:ll must See 1ln rt lltTa1! we l'l=l.:e� wcil!lli!.tTn mlil(j� Q11 lltre dem or ·swr as S1001111 a5 ?raCbl!:able C.Assisi..... Am Coupesaiol!II Of The lnsulal Yoo am!!! aR)" Cllher �edl m5I.C"l!l:f � (1)�f sand UIS Cl!lpies of aatJ de,eurrl!s. IIC11frc:es,. S!JI III aises or tegat pa,:,ers � 11111 w n:li!ttm -mlh � daim o.-"swil!"; (2) � tJS lo otil!'arr. reaJl'ds aii1dl d:'1er imocu�� (3)� Wlilni 1!15 im, tlne lffieSlga!lon 0, 9-:tien:e� o€ tie dlalrn cr defense agarts& lhe��� C4J Assist 115, � Cl:if' � in tiie elf.Jn.bTe"lt (L ar;J'/ ngmt � as..,� er 019i*,lirutio.1 wtndt mz, be latile lo the n$UJed beca:$1 of aripy or damage lo wndl this l'lSll!a:ce may also cqJty d.Obligations At The fns:lweds Own Cost No i.nslRd ml. exc:ept at that fnsu:ed's own cost, W>luntatily 111c!i:e a � assume any obligation. or incur any expense. other than for fast a:d. wet.out 001 coosent. e.Additional Insureds Other Jnsurance rt we cover a c:la:m or ·Stir � ttns Coverage Part that may also be covered by other insura:,.ce available to an ad<itional �-such additional 111Sured must submil such dam Of' ·suir to the other inSUJer for defense and indemnity However. this provis.'Ol'f does not apply to the extent that you have agreed in a written contract or written agreement that this insurance is primary and norKOntnbutory wrth the additional msured"s own insurance f.Knowledge Of An Occurrence, Offense. Claim Or Suit Paragraphs a. and b. apply to you or to any additiona ' insured only when such .. occurrence", offense. dam, or ·suit" ,s known to: (1} You or any additional insured that is an individual; (2)Arly partner 1f you or the additional insured is a partnership Page 15 of 21 P} ,r.cy •t.a�r. itf � cnr ttte clll!dlticmial in5u'e:I: .s a lfmi!ed! lfei!Jil� CJJ"·p:a •'i i4) /!.."Jrj ·�e offirte!"' eurr insara'!Ce n:a 1egia ifi JOl!l! Qlt the ar:ldilioral l � i's a co, por:atl.nrm, (5) Ht'f � di � Cllf Ire adttibcmet lr.$Ured IS cll lrusfl;: OJr t6) hfr.J cfeded GJ1r � mfical� m PiJl ar lfle adi:litirm:ter i1sured ,s a Jill!l!ltica �si!Jrll ccxr pwlDtlc Elltify This dttf a;p;;lles SE;)lcitata'y b � and arnrJ .d:!1�1� 3.l..cgal Adion Against Us IN.a � ar o g2t'I,� ITas a aigN uinder tlhis CO'�Part: a.To JPU11 UJS as a �1 OIi" � btr11ng 1115 iffllO> a "Sllir asll'ng tmr era, a;.es f.rom a1:ii �or b.To S1;Je us on l1'1is � Pait umfess afU at ,ts llem"s hate ty.;en fuly Q)(l.i;iicd with. A person OI' �!Jal may StJe us IIO rec:x:wer on an agreed settement OI' on a finial jdgllr� agai.nsl an ll'l5lRd but we W1II not be � f"o.r cw11ages that are not pa'Ja.ble under 1he eT:6 a# tns � Part (If" that are in exoes.s cf Cle ap¢1:atite 1ma of msurance. An ag,eea � means a setaement and release o1 �, signed b)' us, Che D"l$nd and tlhe dalmant « lhe cta:manrs legal �iye 4. Olbet' Insurance II' otJ'IE'f valid and colect.b!e insurance is avaitable to lhe insured rOI' a loss we cover un:2ec'" C011erages A ot B or ctus Coverage Part. ou: obligations are timited as fotows· a.Primary Insurance This insurance IS primary except w"len b. below applies If other insurance is also primary we �lill share with al: that other insurance by the method descti>ed in c. belo\'V b. Excess Insurance This insurance IS excess over any of the other insurance whether primary excess contingent or on any other bas,s (1)YourWork That is F ,re. Extended Coverage. Buslde(s Risk lnstallat on R,sk or similar coverage ror ·your work�. (2)Premises Rented To You That ,s fire. l1 ghlnmg or explos,on insurance ror premises rented to you or temporarily occupied by you with permission of the owner Page 16 of 21 PJ T..aat 1.ia!a:J 1i'as1 5 � p;...d•,851!:d: Ely p:11 to, c:!'E!T' � lfaflili¥ as a b!r.a1t tm:rr ·p ;:;ipst, �· tm, �ses r1!ntEd tci p:, er 1Wt.1.;:c.c!r111J tll!XllJPed � JOl:11 =tttn �IDl'll (lfi Wle (Ml.le"' fC) � AID Or-WA11uiilft Iii lfiie lltJss zses mn df tt!le n::amta:rar.rc:s «li1" tise do ai:t:!oit. ·� air wat!t: l;ll;r.ll ll!D l!lre � mod � In Eml!Eiimm 9- off � I - Ca� fi- Bodll!y' � � A q:ie:tJ l>a:r'laJe l.ia!lillJtr. (5) Pn,perty Danage To Buaac a::d £:q ·p+e•OrU.Of� l:.f Ce bss .nses out d •IIRIPetv eta �1age•· lit> bcmMed � Olf fflle ll5e off et� to t!le edl!f1t l'ltl1I �Ed II!» &d,sloo j. � Section I - � A - Bod!ly lripry kid PnlpertJ Damage l.la1r.lty 16} When You Are Added As An Additional ltiSUH:d To Other lnsur2nlZ Any � iinsuranC:e � to �ror,,emg babliy foe- eta ,.ages i!ris;ng ouia cf the p-ermses OI' q,er a:ars. Of' pmdu::1s and OOHlpl!i;d cper.tions' for "cmda yo1J1 have been a::lded as an adcft:DRal l1SUo!ed by that insurance. (W (7) When You Add Others As An Additional Insured To This Ins� ft.ny oU-.er insurance- ava:lable to an additlona1 insu-ed. �. the folkMing prtMS,'<lflS apply to o&t1er insurance �bl: to any person or organaation who IS an adctibonal insured under tfus coverage parL (a)Primary Insurance When Required By Contract This insurance is pnma:y if you have agreed in a wntten contract or written agraement thal this insurance be primary. If other insurance ,s also primary, we will share with all that other insurance by the method described in c. below. (b)Primary And Non-Contributory To Other Insurance When Required By Contract If you have agreed 10 a written contract, written agreement, or permit that this insurance is primary and non contributory with the addibonal insured's own insurance, this insurance is primary and we will not seek contribution from that other insurance HG 00 01 0916 Par� (a:) and! «,b) Qi)) rwt eppy b CJ!t.ren' I� It!> '-dJltltn ttl1e aii:hlll!l1'1811 if1S.U'ed! l'Ta5 tieem 2:!ded as arr adt:lll11m1afl ir.isre:t Wttren ttris � !S e:a:c::ess. we 11Zilt � rw dbtrj· ur:ida'" Cce-ages A Cllt B b � the I� aqa°"nsl 31'1¥ "SJ!l!" iff ar:i.y � 11"1!5Ul"B! !'las 2 C!hafy lo � lf1e lll!SU!!!O ag:al'ISl l!'latt "suitr ffi mo cnre ins..u:er � we-o::illl iJ1JdJ::1,18Ae b oo so lhull 111e -.,11 !!re e!lfltfed! It!> lf.ie I� IR� ageinst af� � C!lt!E irn&.re\"S. Wherr-tftilS I� IS em:;ess � dtei tMlSUil'iol!lC:I. •e ,.;11 1!J1iiY my OU1r share d ttne amcoo oli lfiTe ll!lss. ifi elm)" � em3e.:ts 1'rle Sl!lmof' (1) iil:le 1!D1lail amow:::tl! l1ia4 all such cthef fr.T� woo.ti � b' t!le loss in the �oflfit!S� aoo (2) Toe 111:al of a!D dedl lc±fie amt se!f-illsu!ed aTllDr.ris tin:fer a! era: oCher' itts.:raR:,e We l'iilil snare the eema.1ilitg loss.� any with alll'/ a61er nsu,arce DJa IS rd descri!)ed G1 tlhls � � pr9'lisi:n am was not oougt,t spec:i5c.tly to apply Gn euess of Che U!":ei of � sbo,;,m IIO the °'""'darations o1 ems Cowetage P'ar\. C. Method Of Sharing If aBI d the oUter lft5UranCe pemt:ts: cor-"..nbuoon by ecr.a shares. we wil C<IW# th1IS mctt-od also Under this approach each � contrib.J1eS equa amounts I.Inti it has paid its � ti:mit of nsurance or none of the loss l'l!fflclUIS. whichever comes flJSl If any of lhe other- lll:SUraflCe does not permit � by equaJ shares, we will contribute by fmits. Uooer this method, each insurer's share is based on the ratio of its applicabre Jimit of insurance to the total applicable lmits of instnnce or all insurers. 5.Premium Auoet a We wi compute al prem iums fOf' this Coverage Part in accordance wilh our rules and rates. b.Premium shown in this Coverage Part as advance premium is a deposit premium only Al the dose of each audit period we wiH compute the earned premium for that period and send notice to the first Named Insured The due date for audit and retrospective premiums is lhe date shown as the due date on the bili. If the sum of the advance and audit premiums paid for !he policy period is greater than the earned premium we will return the excess to the first Named Insured. c.The first Named Insured must keep records or the infonnabon we need for premium HG 00 01 0916 � and! S:l':.d c.s c::cpies all Sl!Jd'r, times i:!5\lle-�� &.. Rep! st !Ca r'f+ r:s a. wi:.:. Ymm Aa::1111 l?lis Po1ic.y 8¥ �mg tf.ms i;xalfq. pv � «1) The stareme 15 iim ll!te i?e::!aiao,s are � andQ!ll"l!pl� � � state •. e 11$ a;e ba.5eit w;ian �ems PJ1 i'l"8:!ie 113 GS; arid' (3) Wte �e issue:! llins po1ucy ill» rera:.::e upm �ir�om&. h.Ullllatdional Faiare To Disdose Hazad$ Iii gnir11l!:f.6!Jr.1afflrt JOlll Sl1Qufi:II fa'll to Ql5lC1bse alO trazads ra!aOl!IQ b l:l'Te anb:1 d JOllll' � If.at e:xi511 all fflte ira!pflDl!I cfa1le of lltis � Pait. 11e shiil nu deflJ c::owrage ll:'1dla" th5 � Part C«*ISeof s!ldtn falltu:re.. 7.Sepaation Of lnsurNS � wdll re.sped to tie L\!Jlll!s of �. ailld! any � « � speti.'G2y assigned r;1 fhs CmeraJe Part tu the fr:st Named lnsmed,. tins� apptiss. a. As If eai:h N:ai:ncd lnsu-ed \1ere Che o,;rq Named�:and b.�-.-f'f to each inst.Rd agansl whom dalm IS made OJ' •svjt• iis brOugh." 8.Transfet-Of RJghts Of Recovl!ry � Others To Us a.Transfet' Of Rights Of Reco\lery If Ole 'nsured has nghts lO � a!J Of part of any pa,pnen:. wd;d,ng SupplementaryPaymen:s. we l1aYe made Inter this Coverage Part. those rights are transferred to us. The insured must do nothing after loss toimpa:i' them. P>J our request. the in.sored WI. bring ·su.r Of' transfer those rights to us and hefp us enforce lhem. b.Waiver Of Rights Of Recovery (Waiver Of Subrogation) If the insured has waived any rights of recovery against any person or organization fOf' a!I or part of any payment, induding Supplementary Payments, we have made under !his Coverage Part. we also waive that right. prowied the insured V1aived !heir nghts of recovery against such person or organization in a contract. agreement or permit that was exeruted pnor to the injury or damage. 9. When We Do Not Renew If we decide not to renew this Coverage Part. we will mail or deliver to the first Named Insured shown in the Dedarabons wntten notice of the Page 17 of 21 rm:IJ1T.E!J"'.ewai mot! less tr.fer'll D � � lflre e:tpinationi dl:m. Ill l'!Ctic:e is m1ade:ll, pcum sf iaeiHng ailD be Sl!lfficie:ttt p"Cld on nmliii:e. �v-oe=manms 1.-�wr � ttne 'lmidespresdl ll]Wbllc disserunatil:Jl'.ll off 1� C!llr 1� Irle!! !:las din: l!lU� cfi fndll!crngi tlire sate c1i QlilQd$. prnducts er sernttces tf'mcwgj'r. a.(1} Ral!!I� f2) liel�Sl!Jl"I( (3) Btillboardt (4)Magazil'Te; (5)�orr b. Any ctt!ier r:nuf)lhi:atoru 11tll211 as g,.ten ·� plllbllc disfiri�liln. However; .. �eat'" d:ies n.i1t n::lhlde: a. Tf.Te design, oril:ra:I �-infamafcra m I� CD:lta:med! in, (ll'II C. u;xll1 the padcagl�g � 13!:!ei,ng off any goods or p�Otr b.An, n"er3dive c:onwersatrJn betwesl Of" am0111g pe,sor,s ttimr.J#I a � net"AOft. 2.. .. Advertising idea- mea:."115 any idea for an ·acr� J.-Asbostos rm.a.er mea--s a1JI � °'" lhreal of � lo the actual °'" alleged �es of 8l5bes1o5 and � � mere p,esence of asbestos in an,. form 4. • Auto· means: a.A lard molnr vehicle. traier or � desigr.ted for trave£ on pubfic roads, inckHf:ng any attached machinefy or equ�t: or b. Any other land vehide that is subject to a compulsoty o:-financial responsibiity law or other motor vehde insurance law where it is licensed or principaDy garaged Howev�. ..auto· does not incfude ·mobile equipmenr. 5. ·Bodily injury· means physical: a. Injury; b.Sjd(ness; or c.Disease sustained by a person and, if arising out of the above, menial anguish or death at any time. 6. "Coverage territory· means. a. The United States of America (induding its territories and possessions). Puerto Rico and Canada: b.International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in a. above; or Page 18 of 21 c.. Al� <Jthe" � at. the w:cn:tii 11i m � ar damage arises cruit d"- C1J GotJi:15 corr�. r:r:a:e er s.it111 bf J!Ill!II ii:. fflTe IErnriltlrj des:ribedl fcn i:!... cCNe... (2» liltre adfPlilies Cilii" a � � hcr-e is 1111 tine teni� desl.:lrilileG iiTt a al!:l:Nc. tlul! is � fclr 2 smorll lime m pm� er (3) �Pe.sw, all � �simgi 1rlj/�"' d"er.&:S llir.a11 l!ali:e i:ifa!i:e � ltle � Clf sir:n1arrelb.:b,.:nlic� � � FJl'O,l'ldedf llfle ir.l!5lllldS I esp:i'Sl:IJlitJ to j;l2j' dao.a;es 1s �me!! ll11I lffie Uhilled Staoes 6lff kr.eica {11ndl:ll:li111g its 21f.tat;iES amili ll'l$$:$S!O!IS;... � Roo GT ea.,a:a. imi a '"suil!"' m ttr.e rnenl!s a::ici:nfn; !n lhe � flam' 1r11 S!ld!n lemi!my er 1111 a sdlblllf?llll we agree llll.. 7.'"'&nplope'"' flllltit..de$ a � W'Ot'IB'". "Empb,ee� ctJes oott mc.\J.dlS- a "'tempoar "I � 8. �-Related Pndices-rntD'TS a. �.ISi:tft to �Of that� b. Temt1Ra0011t of 1212! pe,sart"s �ffll!!"'! or C. � �. policies, acts or Clffl� Sl!ldi as a:e"tio:; �- evalsalfm. reass.l§lorie,l( dsc:iplme, ddama'JDn:. harassrren!, htmd:abon disai:,uiatra, o, malicir3i.rs �dion lt."eeted at ttm per.;on. 9.""Executive � means a pefSOl'I hot::l:ng any of the officer positio't.s created by your charter" cnnstiluooo, 17t-ao11S °" an, other' siml.al governing d:>a.tmen'- 10. "'Hostile fire• means ooe \.-.hlch becOrneS uncorttroDa.ble or breaks out from "Jhere it was intended to be 11. '"Impaired property"" means tangible property olher than wyoor product" or "')'OUr work"' that cannot be used or is less useful because a.It incorporates ·your product· or •your work"' that is knowrl or thought to be defective deficient. inadequate or dangerous, or b. You have failed to ruffiD the terms of a contract or agreement, if such property can be restored to use by the repair, replacement. adjustment or removal of ·your producr or •your work·. or your ru!filing the terms of the contract or agreement 12. "Insured contract" means· a. A contract for a lease of premises However, that portion of the contract for a tease of premises that indemnifies any person or organization for damage by fire, l1ghtmng or explosion to premises while rented to you or temporarily occupied by you with permission of the owner IS subject to the Damage to HG 00 010916 �ses � lio YCUJ ILimil! dl:S;r!tied! ,rn Se:1'icr.n 81-1!.Jnrrils-aif � b.. A.sic:letrria(;k �t c:.. A."i'/ ease.a,:t OIi' lloi!nse cg; ea, e :t. rmdlllding am easement Clf lii::e'lse agu!El ,e:,1 in a:n :re:dil!IO eiltn cmnstr,.:c!hnn Cit.' c!srnl!llltii:llii ope:at,oms arm ar wiltu1!11 5lllt feet off a nc:I� d.. kii l!lbllgaii!ln.. as reqJ!lired! � � lb 11 :rda::ri1¥ a lll1111lllic:illJGftcy. ea:::e;it illll urr.e::::ffir. 11111tti � b a r:mtlMlCilJall�; e.. Arr el'el.41: rrtltilicmra,,ce ag:eerne.� 1. Toal partt on anr de" Clllerllla:t (J?r ap11:e ,:e::11 pes,tal7lilllg b JO.Ill' bt.JslC!li!$ f rndl!Jafznr:; am �cci!o:1 of a mwnicil!Jliliil!y i1111 e::an,,;e::ttOill rrtittti � perfotmec br a n.mio;:e'IIJ) l!l!'ldl.!t wau:n yoo assume tile m llatli!ll!J «!ff � � b pay tcv 'bloditf l1lj.Jl!y'" Cllf ��· � a tfatrd per.iOl'1 « o-g:ar112:aon. provoad t!ne "bool.y qur.y'" (Jr.' ·pnipeirt, c:ta,r.age• is caused. rn =� a. in pa:it. b>jo yott cir ny those adln5 on � tienalf. Too 1e:iili� rnea&!IS a llabfity that •OIJM be imposed by law in lhe absence of 2Sl'/ CXlrltrad er ageeme,ll Pa.-agra:,h f. ind.tdes t� part of any a»lbad°' agreement that �"fes a rairoac. fur "bodJy .,... or -� �-arisingout of c:oosauction or demoeiDn operaticns, mtttn 50 feel of any raita!:rl p.wpertr and affect:ng any railroad brici;e Of" trest,e. lr.leks. road-beds. lunnef. �QI"� Howevef. Paragraph f. does not include Chat part ol any contract or agieemer,L (1)That indcm,jfies an arduted. engineer or StlfVeyor fur injury or da."na'je arising out of (a)Preparing, approymg, °' fcdittg to prepar e or approve. maps shopdrawings. <>prions reports. su,veys, field orders. change orders or dravr.ngs and specificabons; or ,b) Giving directions Of' instructions, or failing to give lhem '1 that is the pnmary cause of the inJUry or damage. or (2)Under which the insured. if an al'Chtect. engineer or surveyor, assumes � for an i,jury or damage arising out of the insured's rendering or faiure to render professional services. indudrng those fisted in (1) above and super.nsory inspection. an:::hitectural or eng1neenng activities. 13. "leased worker" means a person leased to you by a labor leasing finn under an agreement between you and lhe labor leasing firm to perform duties related to the conduct of your business. ·Leased worker'" does not indude a 1emporary worker· HG 00010916 2. /1#.:ar ill is�� lr.lcn:ll tf'1e i;iia::e � 1t 15 arc:e\tec! li:1lr � ,ntt:r cir cmtt:J: a111 ai�. 'D2fi:!110ti!lft (JJT' �autt:!r�� b. 'M:iile ii! is 1111 Cir on arr. a� -.aiet::ia:11 or "a:Jtt,·' (Dir C. \¥* ii! IS l!Jeiag rctM:!l'.JI him an 21� IJl.&SiU iiJl'l Ctr �·· ltJ, Ifie p/2lte wl:tet! it! 15 fmal" de!',ie:e.f; wt "'bldmg OJI' IIJllli:Jedlmg"' CileS, r.rmtt imdl.Jldrc lt.ie � of prti4JE!lltJ ��of iil ffll:l::lha,IU!.cl'l de'n::e.. ClC!IB 12lliilr1l a mrtd Ind;. that! s m atC:ild ed bo !!:Te ai� ....aaoam (!JIT "aulb·. 15.. "'llaloiik equiplnei'C' means arr, o« tttre furGlllling ty;ies d llar.id we!indes. incllw:lfmg arM/ a� r:-r;adil'le"'J Cl1I' Eq,1!Jlpme:,t: a. &'J:fn:?:erS lam1 madtiaaery. fo1W'ls and aeier �eiii!:les � i:Jr use pri� ofJ publfc roads. b. Vehid:s ma:ma:JJed b l!l5e sd,cly oo (l( nal b pc::m::ses you ocm a,-� c.Vehides that travd on cr.M1s l"eal!s. d.. Vem::les. 11t1hettlef self� � not,. mafntined ptiman)y lo provide � lo �1mounled (1) PoweJ aanes. sho'.oels. �.�Of drils;or (2)Road oons1nJctian or resu:faci:,g �t such as g,aders. saapeJS or rd'ers, e. Vehi:les 00( described in a, b .. c. Of' cl aboYe that are not self-propelled and are tna.Yttained primarjy to provide rnotay to permanentlyatlached eqlrJ)llleOl of the folol'hlg types· (1)Au compiesso,s. pumps and generators mdod1119 spraying. weldmg, building deaning. geophysical exploration fighting and wen setViClng equipme11t. or (2)Cherry picker.; and similar devi::es used to raise or lower workers, f. Vehtcles not descnbed in a, b., c. or d. above mainta!lled primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the fo!Jowing types of permanently attached equipment are not ·mobile equ:pmeni-but vnll be considered ·autos·· (1)Equipment designed primarily for: (a)Snow remova1. (b) Road maintenance. but not construct,on or resurfacmg or (c)Street clean ng: Page 19 of 21 P)�I pidt:rs am sG'lila-dena:s ll'ltll:U'Ttl!C cmn ,;a.J1,1r::obile or. tr..m:lt d':esss ar:oofi used 11:l' raise cur lbwer IIICDT'es:. arndl t3) Alrr � � a:,d ye.:e:.!n.n, trmd� Spla'Jfrrg. � l:Jcilt!i"mg deerirng. �rtall a;itbr.a:tfmm l'igl'ltirg clildl Eli seniciing ell!Jipweliit.. �er "mlilblle eQlll� dt2s inott ll'lldtude at'PJ' fend! 'lefmde ttha! is � in a � (]I'" tinarm:iaf. �lier, 11.m or � rnoa::r � i� /.Ht �l'la'e 11! IS 'ice':s9:li ()Ir pr;. cip;alftJ � Lard Ul!!tlides � ID a � ()Jr fir:.noa11 resQl'll,IISllbillty law orr ol2her mo11:11: �de � !law are ans1oeted "3%S.;JS $ 16. ·<>cc:unence-� an ar.::cident. � �Cir� exposure-I!>� ttle same, qe"lel2I lltlar.mt.ul! � 17. -,>ersorgf and advertising ...,.-me.ensm\"'Y-i"dd� � 'bodiiy �a:nsi:,g oot <lf one « more <JG t1te fuQolcng offetlSES a.Fai1Seam5t.�or� b.Mail:cous � C. The � e'.tetlJn from. '.'r.cng"ul er'1y lflb °' 1l'1"'#aSOI of Che nght of pri-r.!te occupancy of a lllOffl. ct� m- premises that a pecson o,- � ocn,;,:,es canmrt:ed by or on beha!II of ss owner. land!ord or lessoJ, d.Oral. writlen or eledrQni:: pacbtcahan Sl a:iy manner of material that sbnders « eiets a pe,son � organaalion or disparages a person's or o,ganizaboris goods. produclS orsennces: e. Oral. written or eledlonic pubtical.ion, Ill any manner. of material that violates a person·s nght of privacr f.Copying. in your .. advertisement", a person's or organizalion's �advertising idea· or sty'e of ·advertasemenr or g.Infringement or copyright, slogan, or btle of any lrterary or artisllc work. in your "advertisemenr 18. ·Pollutants· mean any solid, liquid. gaseous or lhennal irritant or contaminanl irtduding smoke vapor soot. fumes aads alkalis. chemicals and waste Waste includes materials to be TeC)'cied. reconditioned or reclaimed 19. "Products-completed operations hazard• a. Includes all "bodily inJury· and ·prope rty damage· occurring away from premises you own or rent and arising out of "your producr or ·your work· except {1) Products that are still in your physical possession or Page 20 of 21 {2J Wbr'.t tttrat has l!ICt � bee'll � or a:ia m m � -� \1IIC!l:1t" mill be � med! c:ma11phai�dl att the-eellest l!lf. Irie fi:dlb,m!IDQ limes (2) Wt'rem all! di tttre lllQllll a:alled: fi:nr 11m !CJ!!" OJJ,i l<.Mli has 1!Jeem �ete!i (b) Wt+rern all lil1f ltiie WUll!'it Im l!le dmne at tt'le 1mm si� l:1as � mr.pi� tf Jmw CD' 11 w a:alls fimr \lllOcit a1 1111or.e t1rnar.n OJlle j:lb-ste. (c)Wtierm ttltal! part!! on It.le •• c:bne- at aioi!» site l11E5 � 1PWG ID its 1i:t.::f td::d! wse bJ' arTt¥ GJe"Slilll1: air �Gallll!II alt1er lllllillT1I a-11.Ale CU'ttl a::b or � \CCJlti;"g cnro IZlie s.r.:E,prql!ct!. \Yurt l!h.il! nrar neeo �. l!IWeiat:10:',. � rec,ar or � W •filuclill is �se Qlll'9ki!e. •lill tie �as� b. Does rd Ullldl!Jmle 'b!Jdil¥ � or "p:op!ity datoar#'" arising OIJll � (1)The tra,��-IOffll of pr:upr!ltf. ur:less the � � c'.a:luage anses 001 d a ccna� in cc- oo a Yelhtde not� or� by you. amdl tf:rall CQll,dg;jrJ was crea:£d by the '1oa:fmy or IJll!ca::fn;· af that � by any tnSlff:d (2)The enstenc:e of tools, � � 01' abandoned Of' llflU5ed ma1e:nafs". cw (3)Produds or operaoons fOf" whdl. the dassif'icatnoo, l'isted n the Oedar.t:ons ex in a po&;y Schedll!e. slates that products completed operations are sut>,ect to the Gener.If Aggregate Lamt.. 20. -Property damage- means: a.Physical iaju� lo � prope,ty including a! resut.ing loss of use of that property All such loss of use shaD be deemed to OCQJr at the time of the physical injury that caused :t. or b.loss of use of tangible property that is not physically injured. AD such loss of use shall be deemed to occur at the time of the ·occurrence· that caused it As used in this definition computerized or eJectmmca'ly stored data, programs or software are not tangible property Electronic data means information facts or programs a. Stored as or on. b. Created or used on. or c.Transmitted to or from , computer software, induding systems and applications software hard or floppy disks, CD- HG 00 01 0916 Palicy Number. 83 WE C816Z3 EildofSl!m!l:4 Number.: � Dine: li!5!12''2e Efrat:f"¥e OOllll' is Ille same as� en ttie ticbm.atiUla Page of ttie sdq Named Insured and Address: aBW4:Su C<*SUl TE«; GROUP 1 JEJOER ST 160 �CA92618 We have !he� to� our Pi)'(qen;.':s frco anpre bblle • an-.., covered by thlS p;:tity We \WI not� cu ngit oga:rll5l the person or 0119ii'iila:i:!m naned III the Sdledlie agreemel'1l st1a1 nm� meaty or to bene5I not narneo m the� Any person or u9an:z.s'6ou f'mm whOn1 you are reqibed by OOtUrad or agreement to obl3J1 this \C.'31Ver from us Encbsement IS not appx:a!:l6e Ill KY NH NJ or-for any MO c:onstru::bon nsk Fonn WC DO 0313 Pnnted in US A Process Date: 05/11/20 Countersigned by -------------------Authorized Representative Policy Expiration Date: 05/12/21 COIGWi'RCIAL AIIHJIIC81 E HA 55115 m 112 THIS ENDORSEllllENT CHANGES 1HE POLICY. Pl.EASE READ IT CAREFUll. Y. COMMERCIAL AUTOMOBILE BROAD FORM ENDORSEMENT ira hi! edle1'C !Iha! 1fhe IIJIT1MS11ll!i11S Qf l!illS edlJJsiei.Blt �de l!J:� lllellii!&s Im ffl1e "r� tTa't � i:nrwiscms at tllte Co.re¥' Farm. mie pr;D,iitsiiDt ,s cf ttms e:d.li,senne,t � 1.BROAD FORII INSURED A.Subsidiaries and Newly Acqund Ol" Fomaed Olig.anizatiuds 1ne Named 1nsuie111 s1om in eae C>edarZons isa,e dedb� (1)Ant legal bJ5iness ett::ty � O&'II a partne,,�p or-j!JitlG. vame. � as a S1ibsaluy In whdl you have an owr.e�lip seest � mue 08' � on tine� daCI? of the� Fonn � the Named lnsored does nol mdude any S1lll$Pi:tia;J lhal is an -insun:!d"' � any dfleJ" a:JIDII� poky Cll" � be an *IIOSliftd" under such a pmicy but for Its temlinaton or the exhaustion of ds l.IIM of lnsu,a.,oo t2) Any omg3illZ.a000 that IS � or bmed by you and over \'fflich you � majority owneJSI q:, However, the Named lnslRd does not include any newt, formed or acquiJed orgas&izatioo· (a)Thal is a partnership Cll" JOlnlven:ure. (b)That is an 9insind"' undel any other policy (c)That has exhausted Its LJmit of Insurance under any other policy, or (d)180 days or more after rts acqwsibon or formation by you unless you have grven us notice of the acqu:sition or fonnabon. Coverage does not apply to '"bodily inJury" or ·property damage· that results from an ·acodenr that ocaJrred before you fanned or acquired the organization_ B.Employees as Insureds Paragraph A 1 -WHO IS AN INSURED -of SECTION II -LIABILITY COVERAGE is amended to add cii 111m, -� a� mte usmg a CJDiiteta! ·a:.lld" ,oJ d!mll omo. mre or tJorrN' an you;- tiusm:ss er pm pe we zJaa,s; C.Lessors as lnsurals Pa:aglapll A 1 - WHO IS AH DISUR8> - of � U -lJ'a!ifty COi«!Jage IS arnetldecl to a!lit e_ The liissol" d a � ·ab/' \fflle tjTe·am· is leased to you wdar" a � a!Jeemen2 it< 1 > The .qee.111::111• reqtffl!5 you m � dn!d pnm.ay � ror Che lessor and (2) The ·au1o· IS leased v.ithoot a dnves Sud1 a leased ·au1o· � be eo1 I.Siden;d a ca,,etec1 ·aub:f' you own and not a covered ·auto· you hi"e D.Adcfdional Insured if Required by Conbad (1) Paragsaph A 1 -WHO IS AN INSURED - of Section II - Liabitty Coverage is amended to add: f W1ert you have agreed in a wntten contract or wntten agreement, that a person or Of9<Blization be added as an adodional msured on your business auto policy. such person or organization IS an rm.sured"' but only to the extent sud1 person or organization is fiable for 'bodiy tnJUlY" or ·pn:,perty damage· caused by the conduct of an "'insured" under paragraphs a or b of VVho Is An Insured with regard to the ownership, maintenance or use of a covered ·auto Form HA 9916 0312 © 2011 The Hartford (Includes copyrighted material of ISO Properties. Inc with its permission ) Page 1 of 5 1ihe � aff.w::::1:::1 Im> 'iEII/ SIJrdm adtliiimmaf' � awpfles � iii tttre "l!n!!dll1 rr,qWl!J"' oir � cl:3n�" o::r;i.:rs t 1, � lllwring lfile J;llllflq ge;il!ld!, andl (i2)) Sl• ibseq•F!At Ill> 1t1e eze::.i..+rcmi o(i s.d'll � cm11tl'c::i:ct and t3) Alilllli' I!) !he espnafa Clff tt'le � Clff tfr.r.te lli12d ttite � m.lU.'a:t req.;mes Sllld:t � Ille glll1tMlde:il lb tlhe 2dljlfi::!5'16il riS.lll!5i. CT. Iba' L:ctm AAJIY If JCU1 l'lliirae ag:eellf iinl a � a, 1�a::Ji or mit::e'D .g"-a!Cle"� lt1laG Z1Cllll1el" � or 0:ga1,iizJ;ei, Ille Died as ani � ll1l5Ul1!!d OIi J'CWII'" p:11:;y, lie � ue d pay ar1 tJel1i4 CN Slldl a:di.t!IJ::iolia i?'lSlffl!d is l:Jlle llessel' of' ca:. The Isms off � SQJeCifed ·i:l !he � CGDadl OT M'!DI c@menac: or {b) The Lltrit$ <I4 � shDim in Cle Dedirraon:'1$. Sldl a:noum Shal!I be a part of and not li1I a:t:ttic:JI', l!> tmts of tlsuraro! shlNm en tte (}aJ.aja:Jl#as and desclaed in Chis Section (3)Adlit::onaJ ·� Other lnsurance H Vie cover a da:m or ·Std'9 under !has QNerage Part that may also be covered by other insuance avaiable ID an addtJocsa! .nslRd, sudl addaonaJ in:sufed must subml such dit"TI or ·sta"' ID the oCfle' insanf' for d!!tense and indernnty However ltus p,D'll'ISiof'I does not apply to the extent that you have agreed in awritten contract or wntten agreement that lhis msurance ,s pnmary and non contributmy wrth the ad<itional inslred"s own msurance (4)Duties in The Event Of Acadent. Clajm Sutt or loss If you have agreed in a wntten contract or written agreement that another person or organization be added as an additional insured on your policy the ad<fruonal insured shall be required to comply with the provisions tn LOSS CONDITIONS 2 -DUTIES IN THE EVENT OF ACCIDENT CLAIM surr OR LOSS -OF SECTION IV - BUSINESS AUTO CONDITIONS in the same manner as the Named Insured E.Pli:u&alJ a:d �NIOb.:l.iaj ii Relpaecll by Cumat Ot!I� i,rllltn r.respeml lb ·� proiilili:a ti!?> a11 aI!l:lltilill!lal insJre:11 r111 - .lil - kkl!Rfma Jis.Jra!lj llf �r.BII! C'J' O!liCa::!I. titre fioflbimmg �SC!lil!i � o:JlJ Prll'TJ8;y ' trsJri!rlc!' \fltlerr, R!!q!ira:lf Si' � llltns � is ptiu1aJ ifi p ha,e � iiill a IMi::!lell wnc ad!. m � .q;ee.t,e it ttial ttl!is � ltP: flll'lr:a!J' • � � ilS afl5D pm:raiyr ,ae WIiii 5.flale \1l11!ll all h:111 lt!IPrer llilSIIGall1lr: bj' � � oesaiibed a O!le'�5d. (4)Pr.nay Ami� To OB1er" l!tsucin:eWel �By� I � 1:1ere � m a lllff".!BI Cllll4a::l (It' � c9'"'cdied thal t,ms ir.5urance IS pm8'y arbd ��Ole a::i:fto 13 insumlfs oan :nsar.n:e� ttis l!lSUFi!A:e IS primiry aid \1lre wriffl f1lmt seelk � fJOm 01icll1 oGhef' ir:su:ran:e.. Pa::ag.a;,hs (3) aoo (4) do Id 3PP'I to ClC'e rnswance 10 "1iln:h OE adtt::io: 'la!! � has been added as an atificJlili¥ insured 'Nhesl lhs � is euess. •-e d ba".re no «Mr to dee.ii the Rilded aga:nst. any ·sur if atr/ ottB insurer has a duly to detend Cle insured aga,151 lha:t ·suif" If no o:,e nswa defends. we will undertake to do so. bu1 v.-e wi1 be enbded to the mured's f9"5 aga:tlSt as thoSe Olher �- w,e,. this insurance ss excess over � rnsurance we mil pay Ofll-/ our share of the amount of the loss, if any that exceeds the sum ot f1) The total amount that aD 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 aD that offtef insurance we will share the remaining loss, if any. by the method described in Other Insurance 5 d 2.AUTOS RENTED BY EMPLOYEES Any "auto · hired or rented by your ·emp1oyee· on your behalf and at your drrecbon will be considered an ·auto· you hire The OTHER INSURANCE Conartion is amended by adding the following· Form HA 99 16 03 12 C> 2011 The Hartford {lndudes copyrighted material of ISO Properties, Inc , with its permission.)Page 2of5 !ff am "�l:rfei!'s' i:ie w,el ,� am aQPfies Clllll a-n elltli!5S tla!ils 1b a � "aultDI' liirra:IJ lilll' r:a;asmt bJ' JC:l1l' -� an JClUl1' lttefiralH a1di al JOWIT dlre::!fiom, tlirus r.s..ran::e v:iill Ille pmmanJ lb tlile -�ee·s-· 1,JSSU1,11id1 1..NtiiEtliuHJ FB.1.0l1J El2lPI.DYEE aa ,_. EXcu.ns»Dm 5 - Ai:U..CW' B11PllDY'EE - d SIEC1lJ!JIK' Iii - � COVi3RAGE dl:lleS - ., 1ft � ITare *lt,\e:i � u.r.,,pe l&iCltlllTI � fllll-bi::e �mg alU of p.ur ··em;qp1� Coier.ge rs em:ess ICPl8f atl'7 � c:i:Jlledlble 4.HIRED AUIO PHYSICAL CMIMGE aJVERAGE Iii lln� •·� ale CD"2!n!di "'au!IQS'" fimr Ulbfflrf � and ifi Co t1µ'dle:1SiVe, S;leit6e:ill Ca.ls!s cf loss.. Gr C«:tiliso!D Wfei.ge5 a-e� ""'*'" C1IS �age Fc:rm fiolr an, "aJJ:rr ycu O#n, tfll!n l2!ie Pf?/sical � C41«el� JmVddled are ,e.de,illfed 1:> ... � � Inure or bG-'rtlw � to the� 1ml TIie n:,oisa. we will pa/ b -� to arr, �·amf"is (1)S100,0CO; (2)Tie a::hJa1 cash va'!ue 0:- the damaged or � property at Che tme of me 'loss"': or (3)The msl of tepaiiilig or rep1atmg, tha damaged Of �olen property wtlld'lever is smcilesl m:inas a deducti>te The � wi!I be equa1 to the largest deducliHe � m any owned "'auto� for that COYef'3ge No deductible a.,ptes to "loss"' caused by fire or !J!ldli.ng Hited Auto Physical Dan.age � is excess over any ou,er � insurance SutJ;ed: to lhe al:iove limit, ded! ICti:ble and excess provisjons, we wiJ provide <XJllefcllge equal to the broadest COiter-age applicable to any covered "'auto· you own We will also cover loss of use of the h:red ·auto· if it results from an ·acciOetlr you are legaDy fsable and the lessor incurs an actual financial loss subject to a maximum of S1000 per ·acodenr ThlS extenStOn of coverage does not apply to any ·auto· you hue or borrow from any of your ·employees·, partners (if you are a partnership) members f If you are a limited liability company) or members of thet r households 5.·Af!YSCAL BUMGF AOEl1DlllAL 1E11PORAR1' TRAIISFORTADCIIII EXFBliSI: COVERA6E Pa1ag,apl!, A.41!.a. df SECOON I - PIHYSEM. M� � is �.dl:!O ttoi pm:Nide a llr.mll d S56l 1?81" de/' a1d a l!t:2Elillnlm Hmnilt d $11 «ll!llJJ. &. l.OAJlft.EASE GAP COVERAGE � SECT'.DNI Iii -Pl!iYSICAt l}AW;GE �-iirn � e.fe!C ca a IIJtSl "11!:ss'" lb a a:Neie:f .a:.dl:ii" � di il2/ JOWi!' ati!larall lega: Cl!llf-lDJ!I fimr a,; cD:i,eim:e tid' 1:ES• line a:lha1 ll2!h walue cff tlhe "ats;I" a\'. mie lfrme off tfhe "lloss''' andllMJe��dlie� "O..lll!ilalllmg ba'alct!' mecns tie l!lrrOd J1lll!» o.e oo wie mill:'leilse at SIie fll11le m -.oss"' ress arr1 � �Ong lala!s:. Oft!rdie pa-.,nien!!S; pe.13'&:s, � or dlages resuting from owerd..:e p;ij'fflE!tllS; ad.Jim aat mleage daga. aa!$$ '-'Ilea!' and ear dages; l!eaSe-e-rnna:mn fees. se:::uitf � molt retum!d by die lessor: aJ5IS h e4::ilded wa,a.16:s, Qd 12 � � aaxlenl (JG' disatDU)' nsar.n::e pul daed Vlih Che loarl CJff' lease� 2nd � ba!asllte:S bun � lcals or-leases 7.AIRBAG COVERAGE Und:s' Paagiaph B EXCLUSIONS - of SECTION ID PHYSICAL DAMAGE COVERAGE. the foDcMing is air.lde(I_ The � rmating ID medeucal bre.akd!MTl doeS ool appty to the acx::iden'la dlSC:haf!r-of an � 8. B..ECTROHIC EQUIPMENT -BROADENED COVERAGE a.The excepoo.ts to Paragraphs B 4 EXCLUSIONS - of SECTION Ill - PHYSICAL DAMAGE COVERAGE are R"f)laCed by the follovnng. Exclusions 4.c. and 4.d. do not apply to equ:pment designed to be Opera1ed solely by use of the power from the •auto's· electrical system that at the time of ,ass .. is. (1)Permanently instaned in or upon the covered ·auto·; (2)Removable from a housing unit which is permanently installed in or upon the covered ·auto". (3)An integral part of the same unit housing any electro me equipment described m Paragraphs (1) and (2) above. or Form HA 99 16 03 12 C 2011 The Hartforo (lndudes copyrighted material of ISO Properties, Inc , with its permission ) Page3 of5 ([4:)': Nie! inSii1 "I tim, 11':e r.i:J7"'1Je!I oper.iDQ'll l!lfitlhe ���er lltTe (Dill .dtlt :ng di 1!he OIMe:!!d: -�· ope:i!fingi� .. �Sei:timrr, IOI -V!nCIL'll CA l!IC l!Jl1l (16 11!11 c6 tt!te l!ilusness km Ca.ierage Fon.. Pb:,scal � � IL:r.mlt af � � C.2 arm!! Versit!ll!TI CA 00 CtC i(] ®11 di It.le Bus� hJ1D Cat� Fan:i �-C:111 lllama]e Co,,e,r;ge, l!.Jnr:ih of � l?ai,..g, apr1 C .;re eedtn alt'!&!Slm:;i tto c!d:i' tine 1bl[t.Jimins s11 sm is ttire nnosi we d pay mr "IDss'"' n illi¥ came ·a-.:o..,-m a11 efti!d: uania: e:pip:r!E!l'II tCJdi1er fh01l � desg:ie:'it sol'efy for � � m so:ns. a'1l!il am es:SQffes used Wll:h $UCh eqlli'� that � clCQliz.,es o:- tsa,as,am audil>, 'lisEt or mar.a � v.nm.. atl "1e blme ct -bss"'. is: (1)Pemrae;:i,, � an or u;iM \1ie CIM!n!d "'alm,· in a to,s;n;. DgJeRng « 0Cher" l:X:a5ck!1 dEI is not norma:Jy used 1,-, 111e ·am" � fo:' tile� of Sldl� (2)Rwllll'Wab5e from a paue.esa, installed housing um as �h:r.:t in Paa� 2a above or IS an imegr3I pan if. that equpne,d. or (3, An mt.egral part of $UCh equ:pnenl. c For each covered ·au1o·. � loss be imited to eledloo:c eq,ipmenl onty our oblig<a>n to pay for tepar. relUm or replace damaged Of' stolen eledrotlC etppment WIii be reduced by the appicable dedudltje shown ... the Oedaations or S250. whichever dedudible is less 9. EXTRA EXPENSE BROADENED COVERAGE Under Pal'a{JaPh A -COVERAGE - of SECTION Ul -PHYSICAL DAMAGE COVERAGE, we wtl pay for the expense of reuning a stolen covered ·auto· to you 10.GLASS REPAIR -WAIVER OF DEDUCTIBLE Under Paragraph D -DEDUCTIBLE -of SECTION DI -PHYSICAL DAMAGE COVERAGE, the following IS added No deductible applies to glass damage if the glass is repaired rather than replaced 11.lWO OR MORE DEDUCTIBLES Under Paragraph D -DEDUCTIBLE -of SECTION Ill -PHYSICAL DAMAGE COVERAGE, the following IS added. lff a,lil!dllnl:11 !riia,t#bnjl IRIG'!llJall S'a-«fas � lii1c muwa '" pmliCJ C!JII' � fi:Jn;;;R ttt:2111s rnatr an�lep.nll:J(lll'�br' appliesb tine sm;;e "aocidli!r.rtl'� ffiTe fillllQlllfng apjjllhe:. ��1, Iii tfi!e IT1e1I u:t!l:Jlle � tllri!S a.sness Am � IFGrn 1s It.le smat[er or swaresr» da..l!ult!il!!le. itti.1111e l!le mrre:lt. (t2» Iii llile �e � lllns 9..isrtess hD � fcmrO' IS lilllllt lfle � (err Slliiiallesi}) delbl:l!l!Jte, ill \1lilt be � bf tttie ar:r.nunt <i'.111 Ifie Sl!TlElllar (ar � dl!dl ;dlilJ#e._ 12. AIIENDED llUl1ES IN TIE EVENT OF ACCIDENT� CI.AIII,. SUTOR LOSS TIDe lli!q!JI� 11111 LOSS CONOfJlONS 2a llU11ES EN nfE EVENT Of ACCIDENT.a..An.\ SUIT OR LOSS - d SEC1IOH IV - BUSlkESS AIJJO CON!lHtONS II& )'OU m.lS nolffy us of alll •atii.Jdaria" � on&,� ttle •atdda€' IS �to: (1)You,.�ya..aarean� (2) A paatrier, if JOLI a,e a pat, esflip,, (3)A c12,m. a you are a Jim;mf tiab!.ty CDl1lpiif1J: or (4) An eiceaove � or insurcmc:e manager- If JOLI a,e a co,po.ax a 13.UNlN1EH1lOHAL FAIWRE 10 DISCLOSE HAZAROS"you� fat to tisdose anr, hazalds exismg at the inception dare of your policy we ml not deny mverage � Dis Coverage Foon because of such faue 14.HIRED AUTO -COVERAGE TERRJTORY Parag,aph e of GENERAL CONDffiONS 7 POLICY PERIOD, COVERAGE TERRITORY - of SECTION IV -BUSINESS AUTO CONDITIONS IS replaced by the fotlowing. e For short-term hired ·au1os·, the CO\'E!rage temto,y wrth respect to Liat>dity Coverage is anywhere ITT the WOf1d provided that if the ·�s· responsibtlrty to pay damages for "bOdlly inju,y" or ·property damage· is determined in a ·surt; the ·suit" is brought in the Un.'ted States of America, the territories and posses5100S of the United States of America Puerto Ria> or Canada or in a settlement we agree to 15.WAIVER OF SUBROGATION TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US • of SECTION IV - BUSINESS AUTO CONDITIONS is amended by addrng the following Form HA 99 16 03 12 @ 2011 The Hartford (lndudes copynghted material of ISO Properties. Jnc .• with its permission ) Page4 of5 \We llllalle am, r:gtilf! d ,au.ey Vite � l!!aie agaimst � � m c1ga.1iii?atfan vm11tn ..t:'l:ml JC!1lll '!tare a 'l1lllrtbc w 1tti at! l!iral! ra:µ"rre sua:fn 'Bawar mera 1e a I?=!� \!Ill: mate a ularn..8@.li!S l::lilder tftns � IRmmi. 11&. RESULTNfT 1&31ffAL ANGUSH COVBiAGE 11:re deir.iitfctllill d "booilj 11\lllllJ" mn � Y- 08Rl'Ml1"111)Ni ns rap� bf tttie 1bllbratllllllr ··0a:1 r1 qizr• o:ams l:!o:!fllt( qu,!J. SOIOll!SS or di.515Se � 1!17 aTJf � mll!:ltudimgi -::antai � er CleaC'II resultfmg tO!!'II ay cf !'Iese. 17.EXTENDED CAIICEU.AllOHCONDITIDN Fcil:og aps 2. ct tne COMldlON POLICY CCNl!>ffiOHS -CAHCB-l.AllON -iQPles � as fntlo,as- l!i we car'IICel b an, � «1!le' tlhaTil �pne,t o4 pn!mii:sn. vie ... m2il QI" dle!INe' 1D tlte usll Named! lnsuled w,itm n:lG:i::a cf � al least 60 cta,s. be&Jre the �f'll'e date of C2'1Cel'z,on 18.HYBRID. ELECTRIC, OR NATURAJ... GAS VEHICLE PAYIIENTCOVERAGE bl the ewt!l1t of a tut..t loss to a ·nofHtybrld" am for lllhd1 eo., .. �. Spea5eo Causes oftoss. or Co'l'sion CCM!fage$ are pDllided under hs C<M!lage Form. then such PhyslCc'i Damage Cowerages are arrend!!d as fultO,tlS a If the auto is replated will1 a '1rybricf' am> or an aut.o powered sdely by a!dndty or na:wai gas, we d pay an adlfiiocia! 1� to a fflalrinun of S2 500. of the ·non-hybril:r auto·s actual cash value or replacement cost, wh�isless b The auto must be replaced and a copy of a � of sale or new lease �t received by us wrthin 60 calendar days of the date of ioss: C: Regeldlli55 ([If, ttile l1il!.mfl:Er" atf a.ms di:e,::.a!l al lt!tlall lbe5, fflle � >ae llllilll palJ' i:r:d!n" Iris � Betfua;, er � Gas 'Jla':ide IPa!Jme:dI � �es;n Mil"' art¥' l!lJi1e "lb!sl:."' ie Stl(!J),f:llil:II!. HJll"tlile�atflt.le��lilrT a.A "�d·· am ie de1inel!I as am ai4D> tftnal IIJS!!S � 2l'll � arbJsfmc: E!l7!1ne tm> "1IP- litre a:l1D l!lwl! llilJes ll1l!llt :mc:11!sde aJll!J$ pc=ee:i! sollcllf lbJ � G!r GSlJraL gas. b.A "bj'bruir aim iis � as am a.itti wt11ln am t"1l!!Tia1 �-� and CJl"le or r.r.a:e elm!l:i'IC miolllXs: amti 1lhSl IGeS 11:te u:mna'1 �m engme amIII one or more elediliic: � 11D � We aut:,, er fflTe � codli: IIS!tm e;igne l!D charge Gile or O'IIOJ"e eled.:nlt � .tilth R11DWE "1e alJllo. 1!l VB.cLE WRAP COVERAGE In Che e2'1lt o5 a loCal Toss ID an "'am· b mt1d Ceetijjllle':leilSive.. Spe:ced Ca.ase5 cf Less. or Col:s:cn anerages are po»itied Ul'1d5 hs � Fonn. tlien $!Cl PllySICai � �.are amended kJ add die ktlNing.. tn ad!l1iion to Che actual cash lf.dJe o4 Ole .. i'll.lm., we -,11 pay up to S1 000 b m,t. vehde � � are ct..spiayed on the a,ve,ec1 "auto· a1 Cle lime of fda loss Regaidtess of the � of ams deemed a total loss. lhe mosa � di pay IHk!r' this Vehide WYrap Coverage prurisQ'I b any one "bss"' is S5,000_ For pmposes of ths cmecage .Prtw.SICll 59"15 or IXhef' gap! lies pan:ect or� aftixed to lhe vehde are not aJnSdered vd1de wraps Fonn HA 9916 0312 © 2011. The Hartford (Includes copynghted material of ISO Properties. Inc. with ,ts permission ) Page5 of 5