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PROOF OF INSURANCE (2020 - 2021) CLOSED?� CERTIFICATE OF LIABILITY INSURANCE '�, THMS C SCATS 0 AS A tfAT TER OP ONLY ASN N O �N THE ICAATtE MOLDEL THO CERTWICATE DOES NOT AMWMMY OR NEGAMELY AMIENO, EXTEND OR ALTER THE COVERAGE ED BY THE POUCIES BELOK TM CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING NSURER(Sh AUTHORIZED REPRESENTATIVE OR PRODUCEF4 AND THE CERTIFICATE HOLDER If the 'k 8111 ADOFTIONAL INSURED. " CM lkytleer j ewsl.hom ADOITVONAL INSURED . o or h N SUGROGATION IS VAMWA subjecit so the torm and corwiliftions of Ohs po ft owb& policies slay require an ondorsarnant A atManwad on this cerifilcaft does not cortexftft lo Vw c*r#ftmft holder In Neu of such o ndorsornernl(s). PRODUCER 1Ai 1 KJrlc SInanlan ISU Meridien Brokerage (818) 225-7025 (618) 226.7020 18680 Venture Blvd., Sulo 330 ml i.Ocm PNUM"$)A"VfIMGCOY6MOE MAIC Tarzana CA 91358 WUMMA: SerldrleilrauwlcoCompany INKNtm �rwen/tIelaa : Hiscox Insixerloa Company AdastlaOov,1w- C'. 32007 Sea Ridge CWde IINURER D : Randw P 01011 4brdes CA 90275 �. F COVERAGES CERTIFICATE Numure 'm21 THIS IS TO CERTIFYTFNT THE POLICES OF INSURANCE LISTED BELOW FIVE BEEN MMUEC INDICATED, NOTWITHSTANDING ANY REQUIREMENT. TERM OR CONDITION OF ANY CONTRI CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICI EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUC Tyraap ., rrax eusw „ POLx.`Y COMMOVULONNIPAL LIABILITY CLAIMS -MADE ® OCCUR A Y Y 72 SBM BD0867 OEMLAOOREOATE U'MiTAPPUESPER POLICY ElVT D LOC OrIER: ANYAUTO A — AU ONLY � Y Y 72 SBM BDOWT TOSOS BOOB ONLY AUTOS UAB OCCUR A olrsssLw 11 pLAMUS,yADE Y Y 72 SBM BDO867 DED l,� RETENTION s 10.000 womvisaxiWaMtAym AND SM 0YEAS' I $AM I"I"I YIN ANY PF40PRIETORFARTWERMXECUTIVE OFFICERIMEMBEREXCLUDED? ❑ NIA aWTlf)N OPERATK?NS bokw B Cyber LIeblfly Y N MPL2257230.19 REVISION N . TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD nCT OR OTHER DOCUMENT NTH RESPECT TO WHICH THIS ES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS. ED 13Y PAID CLAIMS, U EACH OCCURRENCE E 2100.000 aVKtrMA)' 1.000,000 s LEO EXP Ww am pwow) a 10,000 01115/2020 01/15/2021 PERSONALSADVINJIURY „ „ t 2,000.000 OENERALAGGRE&WE, a 41000.000 PRODUCTS -CONP/OPAW s 41000.000 Tactmobpy Services s InckK d comeowUmff s 2,000,000 BODILY INJURY Mwpmorl) s 01/15x1020 01/15x1021 I BOGILYIKWRY{Pertroo11 1 s PROPEl1 ' OAMA!GB t s EACH FENCE s 1.00.000 01/15/2020 01/15/2021 I ALHOREM-M $ 1.0w,000 s I EL EACH ACCIDENT $ EL DISEASE - EA EMPLOYEE a E.L. DISEASE - POLICY LIMIT S 05110x1019 05110x1020 Aggropsla-AIOMner of ot+tefATtflrre / LocATtoNs 1 vttHttoLSJt U►eano 101. taur.ras sarrmd., n.r O� aLratw a sore specs r nquYsd) T City nx EI Segundo. ifs dII= and ennployeea ae named as sdddional Weurede for ail iati ft arising out of the operations by the named Waxed per company endorsement. Refer to attached policy endorsement forma IH 12 00 11 88 6 SS 00 08 04 08 for stops of general IWrb W addlUonal kMMW afstus. Coveraps under this polar Is Primary and Non-Conbibutory. Policy includes Waiver of Subrogetion. Refer to e11 1 policy endorsement Norm WCL E6149 CW for scop of cyber IIalbYfty additional Insured srbls. 30 days notice of cancelledon or redudion in coverage. 10 days notice of cwK*Utlon fbr non-payrneM of premixn. City of EI Segundo 350 Main Street EI Segundo ACORD 25 (2018109) CAN!MCELLATION nwo,000 :2,000,000 SHOULD ANY OF THE ABOVE DESCRUM POLE BE CANCELLED BiB THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED N ALX2DRDANCE WITH THE POLICY PROVISIOW. CA 90245 01 Y IS ACORD CORPORATION. A ntghsa reserved. The ACORD Dame and logo are registered n wAm of ACORD POLICY NEER: 72 SBM BDO867 Fit THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INS'UR'ED- PERSON -ORGANIZATION CITY OF EL SEGUNDO, ITS OFFICIALS, AND EMPLOYEES 350 MAIN STREET EL SEGUNDO, CA 90245 LOC:001 BLDG:001 Form IH 12 0011 e6 T SEQ NO. 004 Prim In U.SA. Pass 001 Proo4m Dais: 01/27/20 Expindlon DDabs: 01/15/21 NAMED INSURED: AdestraGov Inc, In consideratIm of the premium charged, and on the understanding this endorsement leaves all other terns, conditions, and exclusions unchanged, it is agreed the Professional Liability Coverage Part is/are amended as idiom: I. The following definition is added to the and of Section III. Who is an insured: Addltlaal Insured means the person or organization listed below: City of Monterey, its officers, officials, and employees f City of Cupertino, Its City Council, boards and commissions, officers, employees and volunteers City of Berkeley, its officers, agents, volunteers and employees 2180 Mllvia St. Berkeley, CA 94704 City of EI Segundo, Its officials, and employees 350 Main Street El Segundo, CA 90245 0 Coverage is available fbr addtftn wal Insureft solely for their liabliq arising out of the named Insured'le negligence or of those acting on the narned Insured'% behalf and not for any liability arising out of the sole negligence of the additional Insured, II. In the preamble of Section III. Who is an insured, the words'additiorml insured," are added alter "named Insured,". III. In Section VII. Deftnitions, the definition of `You, your, or insured' is amended to add the words "additional Insured," atter anamed Insured,". Endorsement effective: 01/2712020 Certificate No.: MPL2257230.19 Endorsement No: 18 Hiscox Inc. WCL E8149 CW (09114) Page 1 of 1 HPAENADNPE49 f� Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we" "Wand "our" refer to the stock insurance company member of The Hartford providing this insurance. The word "insured" means any person or organization qualifying as such under Section C. - Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning_ Refer to Section G. - Liability And Medical Expenses Definitions. A. COVERAGES 1. BUSINESS LIABILITY COVERAGE (BODILY INJURY, PROPERTY DAMAGE. PERSONAL AND ADVERTISING INJURY) Inuring Agreement a. Ift will pay time sums that the insured becomes legally obligated to pay as damages because of "bodily injury", "property damage„ or "personal and advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against any "suit' seeking those damages. However, we will have no duty to defend the insured against arty "suit" seeking damages for "bodily injury", "property damaW or "personal and advertising injury" to which this insurance does not apply. We may, at our discretion, invesligate any "occurrence" or offense and settle any claim or "suit" that may result But (1) The amount we will pay for damages is limited as described in Section D. - Liability And Medical Expenses Limits Of Insurance; and (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of ju4grnents, seftleinents Or medical,r : ,. , a. to which this insurance applies. No other obligation or liability to pay sums or perform acts or services, is covered unless so* provided for under Coverage Exlerw4on, - Supplernertlary Payments. b. This insurance applies: (1) To "bodily injury" and "property damage" only if: (a) The "bodily injury" or "property damage" is caused by an "occurence" that takes place in the "coverage territory'; (b) The "bodily injury" or "properly damage'"occurs during the policy period; and (c) Prior to the policy period, no insured listed under Paragraph 1. of Section C. — Who Is An Insured and no "employee" authorized by you to give or receive notice of an "occurrence" or claim, knew that the bodily injury" or "property derneW had occurred, in whole or in part If such a listed insured or authorized " yee" knew, prior to the policy period, ttrat the "bodily injury" or "property damage" occurred than any continuation, change or resumption of such "bodily injury' or "property da o' during or after the policy period will be deemed to have been known prior to the policy period. (2) To "personal and advertising injury" caused by an offense arising out of your business, but only if the offense was committed in the "coverage territory" during the policy period. c. "Bodily injury" or "property damage"will be deemed to have been known to have occurred at the earliest time when arty insured listed under Paragraph 1. of Section C. — Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim: (1) Reports all, or any part, of the "bodily injury" or "property " to us or any other insurer, Form SS 00 08 04 06 Page 1 of 24 C 2005, The Hartford BUSINESS LIABILITY COVERAGE FORM (2) Receives a writlen or voW demand or b. We will make Buse payments regardless of claim for damages because of the "bodily fault These payments will not exceed the injury" or "property "; or applicable limit of insurance. We will pay (3) Becomes aware by any other means the# reasonable expenses for. "bodily iryury" or "property dernaol has (1) First aid administered at the time of an occurred or has begun to occur accident d. Damages because of "bodily injury" include (2) Necessary medical, surgical, x-ray and damages,claimed by any person or dental services, including prosthetic organization for care, loss of services or devices; and resulting at any time from the "bodily (3) Necessary ambulance, hospital, injury". professional nursing and funeral e. Incidental Medical Malpraefte services_ (1) "Bodily injury" arising out of the 3. COVERAGE EXTENSION - rendering of or failure to render SUPPLEMENTARY PAYMENTS pro al heafth care services as a a. We will pay, with respect to any claim or physician, dentist, nurse, emergency "suit" we investigate or settle, or any "suit medical technician or paramedic shall against an insured we defend: be deemed to be caused by an "occurrence", but only it (1) All expenses we incur. (a) The physician, dentist, nurse, (2) Up to $1,000 for the cost of bail bonds ernerriency medical technician or required because of accidents or traffic paraffwk is employed by you to law violations arising out of the use of provide such services; and any vehicle to which Business Liability Coverage for "bodily injury" applies. We (b) You are not engaged in the do not have to furnish these bonds. business or occupation of providing such services. (3) The cost of appeal bonds or bonds to release attachments, but only for bond (2) For the purpose of determining the amounts within the applicable limit of limits of insurance for incidental medical insurance- Vie do not have b furnish malpractice, any act or omission these bonds. together with all related acts or " alone in the famishing of these (4) All able Hees incurred by the se 6o any one person will be insured at our request b L us in the considered one "occurrence". investigation or se of the claim or "suit", including actual loss of earnings 2. MEDICAL EXPENSES up to $500 a day because of time off Insuring Agreement from work. a. We will pay medical expenses as described (6) All costs taxed against the insured in below for "bodily injury" caused by an the "suit". accident: (6) Prejudgment interest awarded against (1) On premises you own or rent; the insured on that part of the judgment (2) On ways next to premises you own or we pay. If we make an offer to pay the rent; or applicable limit of insurance, we will not pay any prejudgment interest based on (3) Because of your operations; that period of time alter the offer. provided that (7) All interest on the full amount of any (1) The accident takes place in the judgment that ac crugs after entry of the "coverage territory" and during the judgment and we have paid, policy period; offered to pay, or deposited in court the (2) The expenses are incurred and reported part of the judgment that is within the to us within three years of the date of applicable limit of insurance. the accident; and Any amounts paid under (1) through (7) (3) The injured person submits to above will not reduce the limits of insurance. examination, at our expense, by physicians of our choice as often as we reasonably require. Page 2 of 24 Form SS 00 08 04 05 1*1, 1!1, *11nmmA91u w",q¢, b. If we defend an insured against a "suit' and an indemnibe of the insured is also nerved as a party to the "suit', we will defend that indemnitee if all of the following conditions are met: (1) The "suit' against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an "insured contract"; (2) This insurance applies to such liability assumed by the insured; (3) The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in the same "insured contract'; (4) The allegations in the "suit" and the inibnnation we know about the "occurrence" are such that no conflict appears to exist between the interests of the insured and the interest of the indemnitee; (5) The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such "suit' and agree that we can assign the same counsel to defend the insured and the indemnitee; and (6) The indemnitee: (a) Agrees in writing to: (1) Cooperate with us in the investigation, settlement or defense of the "suit"; (ii) Immediately send us copies of any demands, noticm, summonses or legal papers received in connection with the "suiC (III) Notify any other insurer whose coverage is available to the indemnitee; and (Iv) Cooperate with us with respect to 000rdinating other applicable insurance available to the indemnitee; and (b) Provides us with written authorization to: (1) Obtain records and other infomration related to the "suit'; and (11) Conduct and control the defense of the indemnitee in such "suit'. BUSINESS LIABILITY COVERAGE FORM So long as the above conditions are met, attorneys" few incurred by us in the delbnse of that indemnitse, necessary litigation expenses intoned by us and necessary litigation eXpoiW305 incurred by the irKlernaitee at our request wit be paid asSupplementary Payments. Notwithstanding the provisions of Paragraph 1.b.(b) of Section B. — Exclusions, such payments will not be downed to be damages for "bodily injury" and "property d~ and will not reduce the Limits of Insurance. Our obligation to defend an insureds indemnitee and to pay for s' lees and necessary litigation expenses as Supplementary Payments ends when: (1) VW have used up the applicable limit of insurance in the payment of judgments or settlements; or (2) The conditions set forth above, or the terms of the agreement bed in Paragraph (6) above, are no longer met B. EXCLUSIONS 1. Appll"ble To Business LJabillty Coverage This insurance does not apply to: a. Expected Or Intended Injury (1) "Bodily injury" or "properly " expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property; or (2) "Personal and advertising ` " ' arising out of an offense com nkled by, at the direction of or with the consent or aaaluiescerice of the insured, with the expectation of inflicting "personal and advertising iniw'. b. Contractual Llabillty (1) "Bodily injury' or "property damage" or (2) "Personal and advertising injury" for which the insured is obligated to pay damages by reason of the assumption of liability in a contrad or agreement. This exclusion does not appy to liability for damages because of: (a) "Bodily injury', "property "" or and advertising injury'that the insured would have in the absence of the contract or agreement; or Form SS 00 08 04 05 Pape 3 of 24 BUSINESS LIABILITY COVERAGE FORM (b) "Bodily iryury' or "property (b) Performing duties related to the assumed in a contract or agreement conduct of the irsiured's business, or that is an Insured contract', (2) The spouse, child, parent, brother or provided the "bodily iqury" or sister of that "employee" as a "property occurs consequence of (1) above. subsequent to the execuf wx of the This exclusion applies: contract or agreement Solely for the purpose of liability assumed in (1) Whether the insured may be liable as an 'insured contract', reasonable an employer or in any othercapacity; altomeys' fees and necessary and litigation eVenses incurred by or for (2) To any obligation to share damages a party other than an insured are with or repay someone else who must deemed to be damages because of pay damages because of the injury. "bodily injury" or"properly damager This exclusion does not apply to liability provided: assumed by the insured under an "insured (1) Liability to such party for, or for contract'. the cost of, that party's deknw f. Pollution has also been assumed in the (1) " "property" or same'�nsur+ed contract', and"Bodilyinjury". "personal and advertising injury" it Such attorneys' fees and () Y arising out of the actual, alleged or litigation expenses are for threatened discharge, dispersal, defense of that party against a seepage, migration, release or escape civil or alternative dispute of "pollutants": resolution proceeding in which (a) At or from any premises, site or damages to which this insurance applies are at location which is or was at any time owned or occupied by, or c. Liquor Liability rented or loaned to any insured. "Bodily injury" or "property damage" for However, this subparagraph does which any insured may be held liable by not apply to: reason of: (1) "Bodily injury" if sustairad within (1) Causing or contributing to the a building and caused by intoxication of any person; smoke, fumes, vapor or soot (2) The furnishing of alcoholic beverages In Produced by or onginaiting from a person wxiw the legal drinking age or ecluipment that is used to heat, under the influence of alcohol; or cool or dehumidify the building, or equipment that used b (3) Any statute, ordinance or regulation heat water for use, by n relating b the sale, gift, distribution or the bukkVs occupants or their use of alcoholic beverages. guests; This exclusion applies only if you are in the (8) "Bodily injury" or "property business of manufacturing, die buing,damage!'Ifor which you may be selling, serving or furnishing alcoholic held liable, if you are a beverages. contractor and the owner or d. 'Workers' Compensation And Similar letme of such site or Laws location has been added to your Any obligation of the insured under a policy as an additional insured workers' compensation, disability benefits with respect to your ongoing or unemployment compensation law or operations `. �, i. . J for that any similar law. additional insured at that e. Employees Liability "Bodily premises, silo or location and such premises, site or location injury" to: is riot and never was owned or (1) An "employee" of the insured arising occupied by, or rented or out of and in the course of barred to, any insured, other (a) Employment by the insured; or than that additional insured; or Page 4 of 24 Form SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM (IN) "Bodily injury" or "property released as part of the damage" arising out of heat, operations being performed smoke or fumes from a by such insured, contractor or "hostile fire"; subcontractor, (b) At or from any premium, site or (11) "Bodily injury' or "property location which is or was at any "° sustained within a time used by or for any insured or building and caused by the others for the handling, storage, release of gases, fumes or disposal, processing or treatment vapors from materials brought of waste; into that building in connection (c) Which are or were at any time with operations being performed transported, handled, stored, by you or on your behalf by a treated, disposed of, or processed contractor or bactor; or as waste by or for. (NI) "Bodily injury" or "property (1) Any insured; or damage" arising out of heat, smoke or fumes from a ii An person or organization for () y o "hostile fire"; or whom you may be legally responsible; (e) At or fromany premises, site or location on which any or any ( d) At or from any premises, site or contractors or subcontractors location on which any insured or ung directly, or indirectly on any any contractors or subcontractors insureds behalf are peftming working directly or indirectly on operatimis if to operations are to any insureds behalf are test for, monitor, dean up, remove, performing operations if the contain, treat dsto,iirY or "pollutants" are brought on or to or in any way respond to, or assess the premises, site or location in the elfec is of, 'pollutants". connection with such operations (2) Any knee, cost or expense arising out by such insured, contractor or of any: subcontractor. However, this subparagraph does not apply to: (a) Request; demand, order or stalutoly (1) "Bodily injury" or "property or regulatory requirement that any damage" arising out of the insured or others test for, monitor, escape of fuels, lubricants or dean up, remove' contain, treat, other operating fluids which are dMm* or net , or in any way needed to perform the normal respond to, or assessthe effects of, electrical, hydraulic or"pollutants"; or mechanical functions (b) Claim or suit by or on behalf of a necessary for the operation of governmental authority for "mobile equipment" or its parts, damages because of testing for, if such fuels, lubricants or other monitoring, cleaning up, removing, operating fluids escape from a containing, treating, detoxifying or vehicle part designed to hold, neutralizing, or in any way store or receive them. This responding to, or assessing the exception does not apply if the effects of, "pollutants". "bodily injury" or property However, this paragraph does not ' arises out of the apply to liability for damages because intentional discharge, dispersal of "property da "' that the insured or release of the fuels, would have in the absence of such lubricants or other operating request, demand, order or statutory or fluids, or if such fuels, regulatory requirement, or such claim lubricants or other operating or "suit" by or on behalf of a fluids are brought on or to the govemmental authority. premises, site or location with the intent that they be discharged, dispersed or Form SS 00 08 04 05 Pager 5 of 24 BUSINESS LIABILITY COVERAGE FORM g. Aircraft, Auto Or WOercraft (2) The use of "mobile equipment" in, or "Bodily injury" or "property " arising while in practice or preparation for, a out of the ownership, maintenance, use or prearranged racing, speed or entrustTat to others of any aircratt, 'bub" demolition contest or in any stunting or wsWcraft owned or operated by or rented acdvrly or loaned to any insured. Use Includes 1. War operation and "loading or unloading"_ "Bodily injury", '*operty " or This exclusion applies even if the erns "penxxvM and advertising injury', however against any insured allege nogligence or caused. arising, directly or indirectly, out at other wrongdoing in the supervision, hiring, (1) War, including undeclared or civil war, employment, training or monitoring of others by that insured, if the -occurrence' which (2) Warlike action by a milliary force, caused the "bodily injury' or inducting argon in hindering or " involved the ownership, defending against an actual or use or entrustment to others of s attack, by any government, any aircraft, "sub" or teat is sovereign or other aulfroriy using owned or by or rented or loaned b miry personnel or other agents; or any ice. (3) Insurrection, rebellion, revolution, This exclusion does not appy to: usurped power' or action taken by governmental authority in hirwdeft or 1 A while ashore on premises () defending against any of these. you own or rent; J.Professional � (2) A watercraft you do not own that is: "Bodily injury', "property da or (a) Less than 51 feet long; and "personal and advertising injury" arising (b) Not being used to carry persons out of the rendering of or failure to render for a charge; any professional service. This includes (3) Panting an "auto" on, or on the ways but is not limited to: next to, promises you own or rent, (1), accounting a ng provided the "auto" is not owned by or services; rented or loaned to you or the insured; (2) Prepaiing. approving, or failing to (4) Liability assumed under any "insured prepare or approve maps, shop contract" for the ownership, drawings. opinions, reports, surveys, maintenance or use of aircraft or field orders, change orders, designs or watercraft drawings and cetkwm' (5) "Bodily injury' or "property da " (3) Supenftory, inspection, architectural arising out of the operation of any of or engineeringactivities; the equipment listed in Paragraph f.(2) (4) Medical, surgical, dental, x-ray or or f.(3) of the definition of "mobile nursing services treatment, advice or equipment."; or instruction; (6) An aircraft that is not owned by any (6) Any health or therapeutic service insured and is hiret ch or loaned treatment, advice or instruction; with a paid crew. However, this (6) Any service, treatment, advice or exception does not apply if the insured instruction for the purpose of has any other insurance for such 'body appeanance or skim enhancement, hair uyury" or "property darnage", whether removal or replacement or personal the other insurance is primary, excess, 's. grooming: conArrgent or on any other (7) Optical or hearing aid ` h. Mobile Equ including the prescribing, preparation, "Bodily injury" or "property damage" fitting, demonstration or distribution of arising out of: ophthalmic lenses and similar (1) The transportation of "mobile equipment" products or hearing aid devices; by an "sub" owned or by or rented or kianed to any insured, or Page 6 of 24 Form SS 00 08 04 05 (6) Optometry or opiomeft Services including but not limited to exammation of the eyes and the prescribing, preparation, fitting,demonstration or distribution of ophthalmic lenses and similar products; (9) Any: (a) Body piercing (not including ear piercing); (b) Tattooing, including but not limited to the insertion of pigments into or under the skin; and (c) Similar services; (10) Services in the practice of pharmacy; and (11) Computer consulting, design or programming services, including web site design. Paragraphs (4) and (5) of this exclusion do not apply to the Incidental Medical Malpractice coverage afforded under Paragraph 1.e. in Section A. - Coverages. It. Damage To Property "Property damage" to: (1) Property you own, rent or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to anthers property; (2) Premises you sell, give away or abandon, if Be "propertydarrWd"arises out of any part of those premises; (3) Property loaned to you; (4) Personal property in the care, custody or control of the insured; (5) That particular part of real properly on which you or any contractors, or subcon wo*ft directly or indirectly on your behalf are performing operations, if the "property " arises out of hose ions; or (6) That particular part of any property that must be restored, repaired or replaced Muse "your work" was incorrectly performed on it. BUSINESS LIABILITY COVERAGE FORM Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire) to premises, including the contents of such premises, rented to you for a period of 7 or fewer consecutive days. A separate Limit of Insurance applies to Damage To Premises Rented To You as described in Section D. - Limits Of Insurance. Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3) and (4) of this exclusion do not apply to the use of elevators. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement Paragraphs (3) and (4) of this exclusion do not apply to "property damage" to borrowed equipment while not being used to perform operations at a job site. Paragraph (6) of this exclusion does not apply to "property damage" included in the "products -completed operations hazard". I. Damage To Your Product "Property damage" to "your product" arising out of it or any part of it m. Damage To Your Work "Properly damage" to 'your work" arising out of it or any part of it and included in the "products -completed operations hazard". This exclusion does not apply if the damaged work or the work out of which Me damage arises was performed on your behalf by a subcontractor. n. Damage To Impalriad Property Or Property Not Physically Injured „ply " to "impair prey" or property that has not been physically injured, arising out of: (1) A defect deficiency, inadequacy or dangerous condition in "your product" or "your work"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to 'your product' or "your work" after it has been put to its intended use. Foran SS 00 08 04 05 Page 7 of 24 T., 0. RWAN Of P Or ignpekw (c) Title of any literary or artistic work Property (S) Arising out of an offense committed by Damages claimed for any lose, cost or an insured whose business is: expense Incurred by you or others for the (a) Advertising, broadcasting, loss of use, withdrawal. recall, inspection, publishing or sting; repair, rep t. adjusbrnent, removal (b) Designing or determining content or disposal of of web sines for others; or (1) "Your producf'; (c) An Internet search, access, (2) "Your work"; or content or service provider. (3) "Irripsired propeW; However, this exclusion does not if such product work or property is apply to Paragraphs s., b. and c. withdrawn or recalled firm the market or under the definition of "personal and from use by any person or organkstion advertising injury" in Section G. — because of a known or suspected defect Liability And Medical Expenses deficiency, inadequacy or dangerous Definitions. condition in It. For the purposes of this exclusion, p. Personal And Advwdsing Injury placing an "adve " t" for or "Personal and advertising injury": linking to others on your web site, by itself, is not considered the business (1) Arising out of oral, written or electronic of advertising, tinxmicasting. publication of material, if done by or at publishing or ng; the direction of the insured with knowledge of its falsity; (9) Arising out of an electronic chat room or bulletin board the insured hosts, (2) Arising out of oral, written or electronic owns, or over which the insured publication of material whose first exercises control; publication took place before the beginning of the policy period; (10) Arising out of the unauthorized use of anotwWs name or product in your 9 -mad (3) Arising out of a criminal act committed address, domain name or metatags, or by or at the direction of the insured; any other similar tactics lo mislead (4) Arising out of any breach of contract, anothees, potential custorners; except an implied contract to use (11) Arising out of the violation of a another's "advertising idea" in your , right of privacy created by „ t,s any state or federal act (5) Arising out of the failure of goods, However, this exclusion does not products or services to conform with apply to liability for damages that the any statement of quality or insured would have in the absence of performance made in your such state or federal act "adve ment", (6) Arising oafof the wrong of (12) (ria out of.,for goods,the price products or services; othon a N ers (7) Arising out of any violation of any your web site, intellectual property rights such as (b) Placing a link to a web site of copyright, patent, trademark, trade others on your web site; name, bade secret, service mark or (c) Content from a web site of others other designation of origin or displayed wow a frame or border authenticity. on your web site. Content includes However, this exclusion does not i f, . , code, sounds, text, apply to infringement, in your graphics or images; or " rfi ant'", of (d) Computer code, software or (a) Copyright; programming used to enable: (b) Slogan, unless the slogan is also 11) Your web site; or a trademark, trade name, service (0) The presentation or functionalky mark or other designation of origin of an "advertisement or other or authenticity; or content on your web site; Page 8 of 24 Form SS 00 08 04 05 (13) Arising out of a violation of any anti- trust nitrust law; (14) Arising out of the fluctuation in price or value of any stocks, bonds or other securitles; or (15) Arising out of discrimination or humiliation committed by or at the direction of any "executive officer", director, stockholder, partner or member of the insured. q. Electronic Data Darnages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "electronic data". r. Employaumvi4tsisted Practices "Bodily injury" or "personal and advertising injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment" or (c) Employment4alated policies, acts or omesions, such as , evaluation, reassignment, ane, deftmatim, harasarnent, humiliation or directed at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" or "personal and advertising injury" to the person at whom any of the employment-related practices described in Paragraphs (a), (b), or (c) above is directed. This exclusion applies: (1) Whether the insured may be liable as an employer or in any othercapacity; and (2) To any obligation to share damages with or repay someone else who must pay damages because of the injury. rqwT7 . (1) "Bodily injury", "property damage" or "persoinal and advertising injury" arising out of the "asbestos hazard". (2) Any damages, j ts, settlements, loss~ costs or expenses that BUSINESS LIABILITY COVERAGE FORM (a) May be awattled or incurred by reason of any claim or suit alleging actual or threatened injury or damage of any nature or kind b persons or property which would not have occurred in whole or in part but for the "asbestos hazard"; (b) Arise out of any request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, 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 claim or suit for clarnages because of testing for, monitoring, up, removing, encapsulating, containing, treating, deloxifying or neutralking or in any way responcift, to or assessing the effects of an " . t. Violation Of Statutes That Govern E - Mails, Fax, Phone Calls Or Other Methods Of Sending Material Or Information "Bodily injury", "property ", or "personal and advertising injury" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN -SPAM Act of 2003, including any amendment of or addition to such law; or (3) Any statule, ordinance or regulalim, other than the TCPA or -SPAM lot of 2003, that prohibits or limits the distributionsendingtransmit". CWVRMkawv or of or k torr . Damage To Premises Rented To You — Exception For Dams" By Fin, Lightning or Explosion Exclusions c. through h. and k through o. do not apply to damage by fire, lightning or expkxOon to premises rented In you or temporarily occupied by you with permission of Me owner. A separate Limit of Insurance applies to this coverage as described in Section D. - Liability And Medical Expenses Limits Of Insurance. Form SS 00 08 04 06 Page 9 of 24 SWOWESS L.IAIIaMI.ITY COVERAGE FORM 2. Applicable To Medical Exp+snewm Coverage We will not pay w"nass for "bodily injury": a. Arty Insured To any insured, except'wolunteer workers". b. Hired Pomn To a person hired to do work for or on behalf of any insured or a tenant of arty insured. c. Injury On Normally Occupied Promises To a person injured on that part of premises you own or rent that the person nominally occupies. d. Workers' Compensation And Similar Laws To a person, whether or not an "employee" of any insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. e. Athteticus Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports or athletic contests. f. Product*-ComplaIsdl Operations Harard Included with the "products -completed operations hazard". g. Business Liability Exclusions Excluded under Business liability Coverage C. WHO 13 AN INSURED 1. If you are designated in the Declarations as: a. An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which- you are the sole owner. b. A partnerstW or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c. A limited lability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business, Your managers are insureds, but only with respect to their dudes as your managm- d. An organization other than a partnership, joint venture or united liability comperry, you are an insured. Your " ' and directors are insureds, but only with respect to their defies as your ollioers or directors. Your stockholders are also insureds, but only with respect to their liability as stod . s. A mist, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. 2. Each of the following is also an insured: a. Employees And Volunteer Workem Your 'volunteer workers" only while performing dudes related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing dudes related to the conduct of your business. However, none of thew "employees" or "voiunteer workers" are insureds for_ (1) "Bodily injury" or "personal and advertising injury": (a) To you, to your partners or members (if you area partnership or joint venture), to your members (if you are a limited liability company), or to a co -"employee" while in the course of his or her employment or performing dudes related to the conduct of your business, or to your other "volunteer workers" while performing dudes related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co- "errployee" or that "volunteer worker" as a consequence of Paragraph (1)(a) above; (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs (1 s) or (b) above; or (d) Arising out of his or her providing or failing to provide prolliessional health care services. If you are not in the of providing prolessional heal care (d) does not apply to any nurse, emergency rnedical technician or paramedic employed by you to provide such services. (2) "Properly damage" to property: (a) Owned, occupied or used by, Page 10 of 24 Form SS 00 08 04 05 (b) Rented to, in the are, custody or control of, or over which physical control is being exercised for any purpose by you, any of your "employees", 'volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). b. Real Estate Manager Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager. c. Temporary Custodlens Of Your Prof Any person or organization having proper temporary custody of your property if you die, but only: (1) Wfth respect to liability arising out of the meintenarce or use of that property; and (2) Until your legal representative has been appointed. d. Leglal Representative N You Die Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights arl d duties under this insurance. s. Unnamed Subsidiary Any subsidiary and subsidiary thereof, of yours which is a legally Incorporated entity of which you own a financial interest of more than 50% of the voting stock on the effective data of this Coverage Part. The Insurance afforded heroin for any subsidiary not shown in the Declairabons as a named insured does not apply to Injury or damage with reaped to which an insured under this insurance is also an Insured under another policy or would be an insured under such policy but for its termination or upon the exhaustion of its Imits of insurance_ 9. Newly Acquired Or Formed Organization Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain financial interest of more than 50% of the voting stocic, will qua* as a Named Insured if there Is no other skdw insurance available to that organization. However. a. Coverage under this provision Is afibrded only until the IBM day after you acquire or form the organization or the end of the policy period, whichever is earlier, and Form 38 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM b. Coverage under this provision does not apply to: (1) "Bodily injury" or "property damage" that occurred; or (2) "Personal and advertising injury" arising out of an offense commitbsd before you acquired or formed the organization. 4. Operator Of Mobile Equipment With rasped to V obile in your name under any actor vetilcie registration law, any person is an ineured while driving such equipment along a public highway with your pemnission. Any other person or ",: ! Dn responsible fir the conduct of such person Is also an insured, but only with respect to liability arising out of the operation of the equonerk and only H no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an Insured with respect to: a. "Bodily irJury" to a co -"employee" of the person driving the equipment 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. S. Opel of Nonowned Watercraft With rasped to watercraft you do not own that is less than 51 feet long and is not being used to carry persons for a charge, any person is an insured while operating such watercraft with your permission. Any other person or organization responsible for the conduct of such person is also an insured, but only with respell to liability arising out of the operation of the watercraft; and only if no other Insurance of any kind is available to that person or organization for this liability. However, no person or organization is an Insured with respect to: a. "Bodily Injury" b a co-"enpbyee" of the person operating the watercraft or b. "Properly 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. B. Addftftl 101*01146 When ReWrod By Wrow Contract Written Agreement Or Perritt The person(s) or orgenization(s) identified in Paragraphs a. through C below ars additional Insureds when you have agreed, In a written Page 11 of 24 BUSINESS UABLFTY COVERAGE FORM contract, written agreement cW because of a (e) Any failure to make such penrlt issued by a state or poli ical inspections, adjustments, tests or subdivision, that such person or organization servicing as the vendor has be added as an additional insured on your agreed to make or normally Poky, provided the injury or damage occurs undertakes to make In the usual subsequent to the execution of the contrad or course of business, in connection agreement, or the issuance of the permk. with the distribution or sale of the A person or organization is an additional Produce-, (fl Demonstration, installation, insured under this provision only for that period of time requited by the contract, servicing or repair operations, agreement or pemet except such operations performed at the vendors premises in However, no such person or organiution is an connection with the sale of the additional insured under this provision if such product; person or organaation is Included as an additional insured by an a meat issued l91 Products which, atter distribution by us and made a part of this Coverage Part, or sale you. have been labeled including all persons or organia lkm added or relabeled or used as a as additional insureds under the sped6c caftWw, part or Ingredient of any additional insured coverage grants in Section other thing or substance by or for F. — Optional Additional Insured C es. the vendor, or a. Vendors _(h) "Bodily injury" or "property damage" arising out of the sole Any person($) or o, " aW(s) (relarred to negligence of the vendor for its below as vendor), but only with respect Io own acts or omissions or those of "bodily its employees or anyone else out of 'your prOducb" which are di acting On Its tl`. However, this Of sold In the course of the s exclusion does not apply to: bus" and only if Ctrs CoveragePart „may (1) The exceptions contained in Pi's for "" or Subparagraphs (d► or (f); or "prop" included within "VDdw law - (W) Such ins . (1) The Insurance afforded to the vendor wft or ung as the vendor is subject to the followtflg additional has agreed to make or normally exclusions: undertaltes b male in the usual course of business, in This insurance does not apply to. —16. with the distribution (a) "Bodily injury" or "property or sale of the products. damage" for which the vendor Is (2) This insurance does not apply lo any obligated to pay damages by insured purer or orgarkation liom of the assumption of whom you have acquired such products liability in a contract a agreement. or any Ingredient, part or container, This exclusion does not apply to entering into, hying or liability for damages that the containing such products. vendor would have In the absence oris Of Equtprnwrt of the contrad or agreement (b) Any @ warranty (1) Any person or organization from whom you equiprnerrt but only unauthorized by you; with rasped to their liability for "bodily (c) Any physical or chemical change Injury", "property damage" or in the product made intentionally "personal and advertising injury" by the vendor; caused, in whole or In part, by your (d) R l except when maintenance, operation or use of unpaclod solely for the purpose of squipment kwsed to you by such stun, less , or the substitution of parts under person or organization. ins from the m , and then repackaged in the original container, Page 12 of 24 Far. 83 00 09 "05 (2) With respect to the ins+Jnulce afforded to these additional insureds, tins insurance does not appy to any "occurrence which takes piece alter YOU Cease 10 lease that equipment, G Lessm Of Land Or Promises (1) Any penton or organization from whom you lease land or promises, but only with respect to liability arising out of the ownership, maintenance or use of that part of the land or premises leased to you, (2) With respect to the Insurance afforded to these additional Insureds, this insurance does not apply to: (a) Any "occurrence" which takes place AN you cease to Wase that land or be a tenant in that premises; or (b) Structural alterations, new construction or demolition operations performed by or on behalf of such person or organization. d. Amhftft, Engineers Or Surveyors (1) Any architect, engineer, or surveyor, but only with respect to liability for "bodily injury', "property d~ or "personal and adverfting WW caueed, in whole or in part, by your acts or omissions or the acts or orriissimn of those acting on your (a) In connection with your premises; or (b) In the peftnTorice of your ongoing operations performed by you or on your behalf (2) with respect to the insurance affirmed to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily Injury", "property damage" or "personal and advertising injury" arising out of the rendering of or the failure to render any prollmlonal services by or for you, including: (a) The preparing, approving, or failure to prepare or approve, maps. shop drawings, opinions, reports, surreys, field orders, change orders, designs or drawings and specifications; or (b) Supervisory, inspection, architectural or engineering activities. BUSINESS LIAMLI Y COVERAGE FORM o. Porm is Issued By State Or Political Subdivisions (1) Any state or poltdcal subdivision, but only with reaped to operations pertbrmed by you or on your behalf for which the state or political subdivision has issued a permit. (2) With respect to the insurance afforded to these additional insureds, this Inaurmnce does not apply to; (a) "may injury", " d car or l and advertising injury" arising out of operations pertbnned for the state or municipality; or (b) "Y may" or "property " included within the "products - vs hazard". E Any Offerer Party (1) Any other penton or organization who is not an insured under Paragraphs a. through ar. above, but only with respect to liability for "bodily injury', "property damage" or "personal and advertising Injury" caused, in whole or in part, by your acts or omissions or the ads or omissions of those acting on your behalf (a) In the porkwmance of your ongoing s; (b) In connection with your promises, owned by or rented to you; or (c) In connection with "your work" and included within the 'products - completed operations hazard", but only if (1) The written contract or written agreement requires you to provide such coverage to such additional insured; and (11) This Coverage Part provides coverage for "bodily injury" or "property damage" included within the - products -comp tions hazard". (2) With respect to the Insurance afforded to these additional insureds, this insurance does not apply to: "Bodily Injury", "properly damage" or "personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: Form 88 00 08 04 05 Page 13 of 24 BUSINESS LIABILITY COVERAGE FORM (a) The preparing, (approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and ns; or (b) supervisory, inspection, architectural or engineering activities. The limits of insurance that apply to additional insureds are described in Section D. — Limits Of Insurance. How this insurance applies when other Insurance is available to an additional insured is described in the Other Insurance Condition in Section E. — Liability And Medical Expenses General Conditions. No person or organization is an insured with reaped to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE 1. The Wait We W11 Pay The Limits of Insurance shown in the Dedarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or "suits" brwight; or c. Persons or organizations making claims or bringing "suits". 2. Aggrogate Lhnits The most we will pay for. a. Damages because of "bodily injury" and "property dam included in the "products -completed operations hazard" is the Products -Completed Operations Aggregate Limit shown in the Declarations. b. Damages because of all other "bodily injury", "property d~ or "personal and advertising injury", medical expenses, Is the General Aggregate Limit shown in the Declarations. This General Aggregate Limit applies separately to each of your "locations" owned by or rented to you. "Location" means premises involving the same or connecting Iota, or premises whose connection Is interrupted only by a street, roadway or right-of-way of a railroad. This General Aggregate limit does not apply to "property damage" to premises while vented to you or temporarily occupied by you with permission of the owner, arising out of fire, lightning or expkwion. 3. Each Occcxrrerrce Limit Subject to 2a. or 2.b above, whichever applies, the most we will pay for the sum of all damages because of all "bodily Injury", "property damage" and medical expenses arising out of any one "occterenc a is the Liability and Medial Expenses Limit shown in the Declarations. The most we will pay for all medical expenses because of "bodily injury" sustained by any one person is the Medical Expenses Limit shown in the Declarations, 4. l And Advesrtia►Ing t Limit Subject to 2.b. above, the most we will pay for the sum of all damages because of all "personal and advertising injury" sustained by any one person or organization is the Personal and AdvedWN Injury limit shown to the Declarations,. 5. Damage To Premises To You Limit The Damage To Premises Rented To You Limit is the most we will pay under Business Liability Coverage for damaw because of "properly damsW to any one premises, while ranked to you, or in the case of damage by fire, lightning or explosion, while rented b you or temporarily occupied by you with permission of the owner. In the case of damage by fire, lightning or explosion, the Damage to Promises Rented To You limit applies to all damage proximately caused by Ilte same event, whadw such damage results from fire, lightning or explosion or any combination of these. 6. How Limits Apply To Additional Insureds The most we will pay on behalf of a person or organization who is an additional insured under this Coverage Part is the lower of a. The limits of insurance specified In a written contract, written agreement or permit issued by a state or political subdivision; or b. The Limits of Insurance shown in the Declarations. Such amount shat be a part of and not in addition to the Limits of Insurance shown in the Declarations and described In this Section. Magri 14 of 24 Foran 33 00 06 04 05 BUSINESS ILIABILITY COVERAGE FM If more then one limit of Insurance under this (1) Imn isa0y send us copies of any policy and any endorsements attached thereto demands, notices, summonses or applies to any claim or "suit', the most wee w3 pay kjal papers received in connection under this policy and the endorsements is the with the claim or %W; of liability of ail coverages (2) Aulhocae us to obtain records and applicable to such claim or "suit". However, this other information; paragraph does not apply to the Medical Expenses (3) Cooperate with us to the ftwestigation, limit set forth to Paragraph & above. rent of the claim or delionso The Limits of Insuraince of this Coverage Pert apply against the "suit'; and separately to each consecutive annual period and m (4) Assist us, upon our nxpW, in the months,any remaining pence! the ss than 1psr2%d ento of any right any with the " Vng of shown In to person or organization that may be Declerstians, unless the policy period is odanded liable to the insured because of injury alter Issuance far an additional period of Ises than 12 or damage to which anis Insurance In that case, the additional penod will be may also apply. dearned pert of the last preceding pwW for purposes d. t�bl s At 'flew Insursd"s Own Cost. of ag the d Ineurarim E. LIA UTY AND MEDICAL EXPENSES will, weept at own ouNo st; � a psytim vol CONDITIONS any obligalko, or luau any expense, other 1. Bankruptcy than for tush aid, without our conseM Bankruptcy or inmWency of the Insured or of e. A. 's Other Insurance the i 's estate will not rwel"neve us of our if we cower a claim or 'autt' under this obligations under this Coverage Part. Coverage Part that may also be covered 2. Duties In The Eva t Of Occurrence, by other insurance available to an bffeme, Cbkn Or Suk additional Insured. such additional insured a. Notice Of Occurrence Or Off must submit such claim or 'suit to the other insurer for defense and Indemnity. You or any additional insured must see to However, this provision does not apply to it that we are notified as soon as 'occurrence" the extent that you have aWeed In a practicable of an or an written contract, eaten agreement or offense which may result in a claim. To permit that is primary and the extent possible, notice should krcludw. non itsAory wlthn the addltionai (1) Howw, when and where the ". Insured's own insurer=. or offense took place; f. Knowledge Of An Occurrence, Offense, (2) The names and addresses of any claim, Or Soft injured s and witnesses; and Paragraphs a. and b. apply to you or to (3) The nature and location of any injury any additional Insured only when such or damage arising out of the "occu "', offense, claim or "Suir is "occurremW or offense. known to: b. Hottce Of Claim (1) You or any additional insured that is If a Gahm is made or 'off is brought an individual; apinst any Insured, you or any additional (2) Any partner, if you or an additional Insured must insured is a partnership; (1) Immediately record the spedNcs of the (3) Any manager, if you or an additional claim or "salt' and the dale ed; insured is a fimtiied liability company; and N) Any "executive ofd or insurance ( 2) Notify us as soon as . H you or an additional You or any additional insured must see to insured Is a corporation: It that we receive a written notice of the (a) Any truifte, If you or an additional claim or "suit" as soon as practicable. Insured is a Wit or c. Assistance And Cooperation Of The (g) Any ekded or appointed alllcial, If you Insured or an additional insured is a political You and any other involved insured must: subdivision or pUWlc entity. Form 33 00 08 04 05 Page 15 of 24 This Paragraph f. to you and any additional insured. 3. FkwwAl Responsliblift taws a. When this policy is oertifled as proof of tlnandal responsibility for the future under to provisions of any motor vehicle flinarKial responsibility law, the insurance provided by the policy for "bodly injury" liability and " " liability will oonnply with the provisions of the law to the extent of the coverage and NmI s of Insurance by that law. IL With respect to "mobiis equipment" to which this Insurance applies, we will provide any liability, uninsured molixists, underinsured mrhtod ts, no-fault or other coverage wMired by any motor vehicle law. We will provide the required limits for those, ccrierages. 4. L"OAction Against W No person or organktation has a right under this Coverage Forth: a. To Join us as a party or otherwise bring us into a "suit" asking for damages from an Insured; or b. To sue us on this Coverage Forth unless all of Its terms have been fully complied with. A person or Mi y p i, rK�.,o '. iJn may sue us to recover on and agmed selliernent or on a final Oxigmerft against an i , but we will not be Rabb for dernages that ars rot payable under the lerms of this insurance or that ars in mms of the applicable limit of insmme. An agreed settlement meons a settlement and release of kift signed by us, the insunsd and ft claiment or the representative. L Separation Of Instmods Except with moped to the 1_imits of Insurance, and arty ftft or duties specifically assigned in thle poly W the tl9 Named Insured, this Insurance . a. As If each Named Insured were the only Named Insured; and b. SOPWBtSly to each Insured against whom a claim is made or "suit' is brought. 6. R S" a. When You AccW This Policy By ecospting this Policy, you agree: (1) The stMements in the Declarations are accurate and ; (2) Those stobaments aro based upon represents ne you mads lous; and (3) We have issued this policy in rellance upon your representations. b. UVOOWWOMI Faflurs To Dtaclwees if unintentionally you should fail to disclose a1 hazards relating b the conduct of your business at On inception dals of this Coverage PeA, in shall not deny any coverage under this Coverage Part because of such failure. 7. Other Insurance if other valid and collectible Insurance Is liable for a loss we cover under this Coverage Part„ our obligations are limited as follows - 2. prknary Inourance This insurance is primary except when b. below applies. if other insurance N also primary, we will share with all that other insurance by the meted described in e. b. Excess Insurance This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any otter . (1) Your Work That is Fire, Extended Coverage, Buildoes Risk. Instaliation Risk or simper coverage for your woW; (2) Promises To You That is tits. lightning or explosion Insurance for premises rented to you or terMorarily occupied by you with permission of the owner; (3) Tenant Liability That is insurance purchased by you lo cover your kability as a tenant for •properly to premises mftd to you or bwqxwMy occupied by you with pennhpsloo of the owner, (4) Akalft. Auto Or VftWcmft If the loss arlses out of the na ce or used *su1W or watercraitto the extent not subject b Exclusion g of .Section A. — Cit (6) To Boarowed Equipment Or Use Of Elovatsers If the loss ares out of "property damage" to borrowed equipment or the use of elevators to the exlent not subject to Exclusion It. of Section A. — Coverages. Page 16 of 24 Fom 88 00 00 04 06 (4) Won You Are Added As An Additional Insured To That is other insurance available to you covering liability for damages arising out of the pmmkm or operations, or products and cornpleted operations, for which you have been added as an oml insured by that insurance; or (7) When You Add 011hors As An Add ll Insured To This InSWOnce That Is other Insurance avallable to an additional Insured. However, the Wowing provisions apply to other inwaance available to any person or organization who is an additional Insured under this Coverage part (a) losomme When ft Contract This Insurance Is primary if you have agreed in a written contract, wriften went or pemn t hist this insurance be primary. If other Insurance Is also primary, we will shom with all that other Insurance by the method described in c. below. rot p"rtrnary And, IMI «arrtri To 00vor, Insammo When Iradl &I Contract If you have agreed in a written contract, written agreement or peffnit that this Insurance Is prhnery and non-contributory with the additional irsured's own insurance, this insurance Is primary and we will not seek contribution from that other Insurance. Paragraphs (a) and (b) do not apply to o#w Insurance to which the additional Inaxed has been added as an additional insured. When this insurance is excess, we will have no duly under this Coverage Part to defend the insured against any "autr if any other Insurer has a duly to defend the insured against that "suit. If no other Insurer detands, we will undertake to do so, but we will be entitled to the Insureds rights against all trose o#w insurers. J When this Insurance Is excess over other Insurance, we will pay only our shone of the amoumt of the Noes, if any, that exceeds the arm of (1) The total amount that a1 such other insurance would pay for the loss In the absence of this Insurance; and (2) The total of all deductible and self- Insured etinsured amounts under ON that otter lnaurance. v% will share the remaining Ices, if any, wNh any other insuranoe that is not described in this Excess Insurance provisloni and was not bought specilically to apply In excess of the Lknits of Insurance shown in the Declarafts of Ws Coverage Part. c. Of Sharing If ON the other Insurance peanuts, contribution by equal sham, we will follow this rnalhod oleo. Under lois approach, each insurer contributes equal amounts until it has paid its applicable limit of Insurance or none of the Ices remains, whichever comes first. If any of the other insurance not permit contributlan by equal shares, we will coridbulebylimils. UndertisnWhod,soch kwxers ohms is based on the ratio of Its applicable Nett of insurance m the ictal applicable Writs of Insurance of all insurers. S. Transfer, Of M9W Of Rocovery AVOW MOM To itis a. Transfer Of RWft Of Recovery If the insured has rights to recover all or part of any payment Including Supplemertory Playrnonts, we have Made under this Coverage Part, those rights are tMoferred to us. The Insured must do nothing after loss to Impair them. At our request, toe insured will bring "sulr or bon fer those rights to us and help us enftm them. This condition does not apply to Medical ftpwwft Coverage. b. Of: RWft Of Itleceweuty (W of S on,) If the Insured has waived any rights of recovery agairM any person or org Sufor all or part of any paymoK Including PpWmntmry Payments, we have Made, under tib Coverage Part, we also werve that rigit Provided the irmfed waived their rights of recovery against such person or organization In a contract, agreement or permit that was executed prior lo the injury or damage. Form $S 00 06 04 06 Pao 17 of U BUSINESS LIABILITY COVERAGE FORM F. OPTIONAL ADDITIONAL INSURED 3. Additional Insured - Grantor Of Franchiser COVERAGES WHO IS AN INSURED under Section C. is If listed or shown as applicable in the Declarations, amended to include as an additional insured one or more of the following Optional Additional the person(s) or organizations) shown in the Insured Coverages also appy. When any of these Declarations as an Additional Insured - Optional Additional Insured Coverages apply, Grantor Of Franchise, but only with respect to Paragraph 6. (Additional Insureds When Required their liability as grantor of franchise to you. by Written Contract, Written Agreement or Permit) 4. Additional Insured - Lessor Of Leased of Section C., Who Is An Insured, does not appy Equipment to the person or organization shown in the a. WHO IS AN INSURED under Section C. is Declarations. These coverages are subject to the amended to include as an additional terms and conditions applicable to Business insured the person(s) or organization(s) Liability Coverage in this policy, except as shown in the Declarations as an Additional provided below: Insured — Lessor of Leased Equipment, 1., Add 00, but only with respect to liability for "bodily injury", "property damage" or "personal WHO IS AN INSURED under Section C. is and advertising injury" caused, in whole or amended to include as an additional insured in part, by your maintenance, operation or the persons) or organization(s) shown in the use of equipment leased to you by such Declarations, but only with respect to liability person(s) or organization(s). for "bodily injury", "property damage" or b. Wtth respect to the insurance afforded to "personal and advertising injury" caused, in these additional insureds, this insurance whole or in part, by your acts or omissions or does not apply to any "occurrence" which the acts or omissions of those acting on your takes place after you cease to lease that behalf: equipment. a. In the performance of your ongoing S. Additional Insured - Owners Or Other operations; or Intersets From Whom Land Has ft" b. In connection with your premises owned Leased by or rented to you. a. WHO IS AN INSURED under Section C. is 2. Additional Insured - Managers Or Lessors amended to include as an additional insured the person(s) or organization(s) Of Promises shown in the Declarations as an Additional a. WHO IS AN INSURED under Section C. is Insured — Owners Or Other Interests From amerKled to include as an additional insured Whom Land Has Been Leased, but only the person(s) or ) shown in the with respect to liability arising out of the Declemlions as an Additional Insured - ownership, maintenance or use of that part DesignaW Person Or Organhation; but only of the land leased to you and shown in the with respect to liability, arising out of the Declarations. ownership, maktonance or use of that part of b. With respect to the Insurance afforded to to P�� � to you and shown in the these additional insureds, the following Dry s. additional exclusions appy: b. With respect to the insurance afforded to This insurance does not appy to: these additional insureds, the following additional exclusions appy: (1) Any "occurrence" that takes place This insurance does not apply to: after you cease to lease that land; or (1) Any "occurrence" which takes place (2) Structural alterations, new construction or demolition operations after you cease to be a tenant in that performed by or on behalf of such premises; or person or organization. (2) Structural alterations, new 6. Add nal insured - Or Political construction or demolition operations Subdivision — Pemrlts perfomred by or on behalf of such person or organization. a. WHO IS AN INSURED under Section C. is amended to include as an additional insured the state or political subdivision shown in the Declarations as an Additional Page 18 of 24 Form 58 00 0804 05 L* 111-1•r7�7. Insured — Stab Or Political Subdivision - (e) Any bilure to nuft such Permits, but only with respect to hspecdons, adjusknents, tests or operabons performed by you or on your servicing as the vendor has agreed behalf for which the state or political b make or normally undertakes to subdivision has issued a permit make in the usual course of b. With respect to the insurance afforded to business, in connection with the these additional Insureds, the following dior sale of the productc, additional exclusions apply: M Demonstration, installation, This insurance does not apply to: servicing or repair operations, such rkmned (1) "Bodily injury", "property da " or aattth "ems �s in Pry "personal and advertising injury" connection with the sale of the arising out of operations performed for product the stab or municipality; or (q) Products which, after distribution (2) "Bodily injury" or "property h, or sale by you, have been labeled included in the t-oo P � or relabeled or used as a operations" hazard. container, part or ingredient of any 7. AddWonal Insured — Vendors other thing or substance by or for a. WHO IS AN INSURED under Section C. is the vendor, or amended to include as an additional (h) "Bodily injury" or "property Insured the s) or organbation(s) " arising out of the sole (referred to below as vendor) shown in the negligence of the vendor for its Declarations as an Additional Insured - own ads or omisslons or those of Vendor, but only with respect to "bodily its employees or anyone else injury" or "property damage" arising out of acting on its behalf. However, this "your products" which are distributed or exclusion does not apply to: sold in the regular course of the vendor's (� The exceptions contained in business and only if this Coverage Part Su ragmphs (d) or (fl; or provides coverage for 'bodily injury" or "property (II) Such inspections, damage" included within the adjustments, tests or servicing "produ feted operations hazard" as the vendor has agreed to b. The insurance b the vendor is make or normally undertakes suboct b exclusions. to make in the usual course of (1) This insurance does not apply to: business, in connection with (a) "Bodily injury" or "property the distribution or sale of the damag6" for which the vendor is Iroducts- obligated to lay damages by (2) This insurance does not apply to any reason of the assumption of insured person or organization from liability in a contract or agreement. whom you have acquired such This exclusion does not apply to products, or any ingredient part or liability for damages that the container, entering into, vendor would have in the absence accompanying or containing such of the contract or agreement; products. (b) Any express warranty S. Additional Insured — Controlling Interest unauthorized by you. WHO IS AN INSURED under Section C. is (c) Any physical or chemical change amended to include as an additional insured in the product made intentionally the person(s) or organization(s) shown in the by the vendor, Declarations as an Additional Insured — (d) Repackaging, unless unpacked Controlling Interest, but only with respect to solely for the purpose of inspection, their liability arising out of: demonstration, testing, or the a. Their financial control of you: or substitution of Parts under b. Premises they own, maintain or control instrucdons from the man while you lease or occupy these premises. and then repackaged in the original container, Form SS 00 08 04 05 Page 19 of 24 BUSINESS LIABILITY COVERAGE FORM This insurance does not apply to structural Lural alterations, new construction and demolition operations performed by or for that person or 9. Additional Insured — Chwwm, Lesson Or Contractors — Scheduled Peron Or Organization a. WHO IS AN INSURED under Section C. is amended to include as an additional insured the person(s) or organization(s) shown in the Declarations as an Additional Insured — Owner, L Or Contractors, but only with respect to liability for "bodily injury", "property " 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 for the additional insured(s); or (2) In connection with 'your work' perfommed for that additional insured and included within the "products - completed operations hazard", but only if this Coverage Part provides coverage for "bodily injury" or "properly damage!' included within the "products -completed operations hazard". b. With respect to the insurance afforded to these additional insureds, this insurance does not apply to "bodily injury", "property darnoW or "personal an advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: (1) The preparing, approving, or failure to prepare or approve, mom, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and , r tions; or (2) Supervisory, inspection, architectural or engineering activities. 10. Additional Insured — Co -Owner Of Insured Premises WHO IS AN INSURED under Section C. is amended to include as an additional insured the person(s) or Organization(s) shown in the Declarations as an Additional Insured — Co - Owner Of Insured Premises, but only with respect to their liability as co-owner of the premises shown in the Declarations. The limits of insurance that apply to additional insureds are described in Section D. — Limits Of Insurance. How this insurance applies when other insurance is available to an additional insured is described in the Other Insurance Condition in Section E. — Liability And [Medical Expenses General Conditions. G. UAMUTY AND MEDICAL EXPENSES DEFINITIONS 1. "Advertisement" means the w' read public dissemination of information or images that has the purpose of inducing the sale of goods, products or services through: a. (1) Radio; (2) Television; (3) Billboard; (4)Magazine; (5) Newspaper, b. The Internet, but only that part of a web site that is about goods, products or services for the purposes of inducing the sale of goods, products or services; or c. Any other publication that is given widespread public distribution. However, "advertisement" does not include: a. The design, printed material, iMorawlion or images contained in, on or upon the packaging or labeling of any goods or products; or b. An conversation or among persons through a oompuW network. 2. sing idea" means any idea for an 3. "Asbestos hazard" means an exposure or threat of exposure to the actual or alleged properties of asbestos and includes the more presence of asbestos in any form. 4. "Auto" means a land motor vehicle, trailer or semi -trailer designed for travel on public rads, including any attached machinery or equipment. But "auto" does not include "mobile equipmenC. S. "Bodily injury" means physical: a. Injury; b. Sickness; or c. Disease sustained by a person and, if arising out of the above, mental anguish or death at any time. 6. "Coverage territory" means: Page 20 of 24 Form SS 00 08 04 05 a. The United Statim of America (Inckiding its territories and ions), Puerto Rico and b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation any places included in a. above; c. All other Paris of the world if the injury or darnage arises out of (1) Goods or products made or sold by you in the territory described in a. above; (2) The activities of a person whose home is in the territory described in a.. above, but is away for a short time on your business; or (3) "Personal and advertising injury" offenses that take place through the Internet or similar electronic means of communication provided the insureds responsibility b pay damages is determined in the United States of America (including its territories and possessions), Puerto Rico or Canada, in a "suit" on the merits according to the substantive law in such tern", or in a settlement we agree to. t. "Electronic data" means in tion, facts or programs: a. Stored as or on; b. Created or used on; or c. Transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMS, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. til. "Employee" includes a "leased worker". "Employed"' does not include a "temporary worker'. 0. "Executive otriose means a pennon holding any of the officm positions created by your charter, constitution, by-laws or any other similar governing document. 10. "Hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be. 11. "Impaired property" means tangible property, other than "your product" or 'your work', that cannot be used or is less useful because: a. It mor 'your product' or 'your work' that is known or thought to be defective, inadsqtaitea us; or b. You have falled to fulfill the term of a contract or agreement; if such property can be restored to use by: a. The repair, replacement, adjustment or removal of 'your product' or 'your work"; or b. Your fulfilling the terms of the contract or agreement 12. "Insured conkac s: a. A contract for a lease of premises. However, that portion of the contract for a lease of promises that indecmilies any person or organization for damage by fire, lightning or explosion to premises while rented to you or temporarily occupied by you with permission of the owner is subject to the Damage To Premises Rented To You limit described in Section D. — Liability and Medical Expenses Limits of Insurance. b. A sidetrack agreernent; c. Any easement or license agreement, including an easement or license agreement in connection with construction or demolition operations on or within 50 feet of a railroad; d. Any obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement or IF. That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury" or "property da " to a third person or organization, provided the "bodily injury" or "property damsW is caused, in whole or in part, by you or by those acting on your behalf. Tort liability means a liability Mat would be imposed by law in the absence of any contract or agreement Paragraph f. includes that part of any contract or agreement that indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, s, tunnel, underpass or crossing. However, Paragraph f. does not include that part of any contract or agreement: Form SS 00 06 04 06 Page 21 of 24 r w. (1) That indemnifies an archi (1) Power cranes, shovels, loaders, engineer or surveyor for injury or diggers or drills; or damage arising out of: (2) Road construction or resurfacing (a) Prepeft, approving or failing to equipment such as graders, scrapers prepare or approve maps, shop or rollers; drawings, opinions, its, e. Vehicles not dewribed in a., b., c., or d. surveys, field orders, change above that are not and are orders, designs or drawings and maintained primarily b provide mobility to s s; or permanently, allached equipment of the (b) Giving directions or insftctions, types: or failing to give them, if that is the (1) Air compressors, pumps and primary cause of the injury or generators, including spraying, or welding, building cleaning, (2) Under which the insured, if an geophysical exploration, lighting and architect, engineer or surveyor, well servicing equipment; or assumes liability for an injury or (2) Cherry pickers and similar devices damage arising out of the insured's used to raise or lower workers; rendering or failure to render prolbssional services, including those E Vehicles not described in a., b., c., or d. listed in (1) above and supervisory, above maintained primarily for purposes in n, architectural or other than the transportation of persons or engineering activities. caw - 13. "Leased worker" means a person leased to However, self led vehicles with the you by a labor iessing firm under an following types of permanently attached " agreement between you and the Igor leasing equipment are not "mobile eq r but firm, to perform duties related to the conduct of will He considered "subs": your business. "Leased worker" does not (1) Equipment, of at lewt 1,000 pounds include a "temporary worker". gross vehicle weight, designed 14. "Loading or unloading" means the handling of Primary for prop": (a) Snow removal; a. After it is moved from the place where it is (b) Road maintenance, but not accepted for movement into or onto an construction or resurfacing; or aircraft, watercraft or "auto"; (c) Street cleaning; b. While it is in or on an aircraft, watercraft or (2) Cherry pickers and similar devices "auto"; or mounted on automobile or truck c. While it is being moved from an aircraft, chassis and used to raise or lower watercraft or "auto" to the place where it is workers; and finally delivered; (3) Air compressors, pumps and but "loading or un ' does not include the generators, including spraying, movement of property by means of a mechanical welding, building cleaning, device, other then a hand truck, that is not geophysical exploration, fighting and attached to the simralt, walemraft or "auto". well servicing equipment. 1S. "Mobile equipment" means any of the following 16. "Ooc mwxx" means an accident, including Wpm of land vehicles, inducting any attached conlinuous or repealied exposure b y machinery or equipment the same gerwal harmful conditions. a. Bulldozers, farm machinery, foridifis and 17. "Personal and advertising injury" means injury, other vehicles designed for use principally including consequential "bodily injury", arising off public roads; out of one or more of the following offenses: IL Vehicles maintained for use solely on or s. False arrest, detention or imprisonment; next to promises you own or rent; b. Malicious prosecution; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, on which are permanently mounted: Page 22 of 24 Form 83 00 08 04 05 c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or promises that the person occupies, committed by or on behalf of its owner, landlord or r; d. Oral, written or electronic publication of material that slanders or libels a person or organization or disparages a person's or organization's goods• products or ; e. Oral, written or electronic publication of material that violates a person's right of ply; E Copying, in your "advertisement", a pardon's or organization's "advertising WW or style of "advertisement"; g. lnfingernent of copyright, slogan, or title of any literary or artistic worts, in your "advertisement"; or h. Discrimination or humiliation that results in injury to the feelings or reputation of a natural parson. 1tl. "Pollular V means any solid, liquid, gaseous or thermal irritant or contaminant including smoke, vapor, soot, furrow acids, alkalls, chemicals and waste. Waste includes maleNials to be recycled, recondifioned or reclaimed. 19. "Products -completed operations hazard'; a. Includes ail "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of 'your product" or your work" except: (1) Products that are still in your physical possession; or (2) Work that has not yet been completed or abandoned. However, "your work" will be deemed to be completed at the earliest of the following times: (a) When all of the work called for in your contract has been oompleted. (b) When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. (c) When that part of the work done at a job site has been put to its intended use by any person or organisation other than another contractor or subcontractor working on the same project • Work that may need service, maintenance, co n, repair or replacement, but which is otherwise complete, will be heated as completed. The "bodily injury" or "property must occur away from promises you own or rent, unless your business includes the selling, handling or distribution of 'your product" for consumption on premises you own or vent b. Does not include "bodily injury" or "property " arising out of: (1) The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "boding or unloading" of that vehicle by any insured; or (2) The existence of tools, uninstalled equipment or abandoned or unused materials. 20. "Property " means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of "occurrenoe" that caused it. As used in this definition, "electronic data" is not tangible property. 21. "Suit means a civil proceeding in which damages because of "bodily injury", "property damage'"' or "personal and advertising injury" to which this insurance applies are alleged. "Suit includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other aitemative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent 22. 'Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short-term workload conditions. 23. "Volunteer worker" means a person who: a. Is not your "employee"; Form 38 00 08 04 05 Page 23 of 24 BUSINESS LIABILITY COVERAGE FORM b. Donates his or her work; c. Acts at the direction of and within the scope of duties determined by you; and d. Is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 24. "Your producl": a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and (2) The providing of or failure to provide warnings or instructions. c. noes not include vending machines or other property rented to or located for the use of others but not sold. 25. "Your work": a1. Means: (1) Work or operations ..7. d by you or on your behalf, and (2) Malterials, parts or equipment furnished in connection with such work or ons_ b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work'; and (2) The providing of or failure to provide warnings or instructions. Page 24 of 24 Form 83 00 08 04 05 DATE (MMIDDIYYYY) AC" ORV CERTIFICATE OF LIABILITY INSURANCE 01/27/2020 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(les) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: _...... ---........... Hiscox Inc. d/b/a/Hiscox Insurance Agency in CAeta , H9(888) 202_WPHONE -3007 Net: 520 Madison Avenue E -MALL 32nd Floor ADDRESS: c'onta'ct@hiscox•com New York, NY 10022 INSURE�S)AFFORDINGCOVERAGE NAIC# _.........� INSURER A: Hiscox Insurance Company Inc 10200 INSURED INSURER B AdastraGov Inc. 32007 Sea Ridge Circle INSURER C Rancho Palos Verdes, CA 90275 INSURER D: INSURER E ...... .. ..INSURER F: ----- . COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ..............._'. _._._...-_-_._ CY EXP 1LTR TYPE OF INSURANCE ADD POLICY NUMBER I,' AtO�W"LL"f D1 YE. --MFYI SIMM ® YY't LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ MAGETO ED A = ._.._..., .W........_.J CLAIMS -MADE OCCUR PREMISESfEaup�reb $ ............................................ MED EXP (Any one person) ........... ....................... $ PERSONAL & ADV INJURY $ GEN'LAGGREGATE LIMIT APPLIES PER: GENERALAGGREGATE ,..�....-........... $ POLICY ❑ PRO* ❑ LOC JECT PRODUCTS-COMP/OPAGG . $ ...................... OTHER $ LITY AUTOMOBILE LIABILITY . .. COMBINED 9WNG0..E LIMIT Ea a _ identI $ ....................................... ANY AUTO BODILY INJURY (Per person) $ _ OWNED SCHEDULED BODILY INJURY (Per accident) .................... $ ..— AUTOS ONLY AUTOS HIRED NON -OWNED _....-......0'ff. PROPERTY DAMAGE ---- I ..................... $ AUTOS ONLY ,. AUTOS ONLY .JeRL acratdmn" UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LIpARCLAIM -MA AGGREGATE $ I N DED RETENTION $ $ WORKERS COMPENSATION OTH- ATIJTE AND EMPLOYERS' LIABILITY YIN „�,,I„ - - ANYPROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? FI N/A (Mandatory In NH) E.L. DISEASE - EA EMPLOYEE $ IfSar, describe under D'SCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ A Professional Liability Y UDC -2238930 -EO -19 04/26/2019 04/26/2020 Each Claim: $ 2,000,000 Aggregate: $ 4,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) CERTIFICATE HOLDER City of EI Segundo 350 Main Street EI Segundo CA 90245 ACORD 25 (2016/03) 1�_ CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE Illh���• ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD .. "" ADASINC-01 E'LOZAD CERTIFICATE OF LIABILITY INSURANCE DATE (MMIDD/YYYY) --' 1113012020 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CNTACT ,Jill Holcomb Geico Insurance Agency PHONE _ Ext): (800)969-5454 (A/c, No):(570) 825-2990mmmmmmmmmm 1 Geico Blvd Fredericksburg, VA 22412 R"r'Niss: geicosupport@guard.com INSURER(S) AFFORDING COVERAGE °,MAIC,,,#-__ mm _ ..................m,INSURER..A. AmGUARD Insurance Companv 423,9Q...............__........._. INSURED INSURER.. Adastragov Inc 32007 Sea Ridge Cir INSURER D; Rancho Pala Verdes, CA 90275 ............... INSURER F: COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRA''T OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLIC ES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH 'OLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY 'AID CLAIMS. _ INTR TYPE OF INSURANCE ADD Sip .............._._.. POLICY NUMBER POLICY EFF POLICY EXP I LIMITS.....°Xm..._°........................................ MM1DQ=I IN COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE U $ CLAIMS -MADE rr OCCUR DAMAGE TO RENTED CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Ci of EI Segundo THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City 9 ACCORDANCE WITH THE POLICY PROVISIONS. 350 Main Street EI Segundo, CA 90245 AUTHORIZED REPRESENTATIVE % ACORD 25 (2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD MED 9XaLA,9 29"@rson) $ ...... NJURY $ PERSONAL B,.ADV .............�........._..mm.- ...... G1?l�I'L AGGRE,.�.,,r��'GELIMIT AP ES PER: $ �.I 1TOLICY L.....,.,..1 JECT LOC............^^^^. PE,NE,RALAGGREGATE............ OD C. .,.��......,,,,UNTS -_COMP,,/,QP AGG $ ryl OTHER'. $ - AUTOMOBILE LIABILITY _ 'MB% ED SINGLE: LIMIT' JFa acclderitl $ ANY AUTO BODILY INJURY (Per person) $ OWNED SCHEDULED .................. AUTOS ONLY AUTOS BODILY INJURY fPer accident) $ �. R�pp ��yy Epyyy AUTOS ONLY AI,pNOS Op�I.,X f,R I'P.0,, PPE';nIDAMAGE $._.._.............. ............ ...... ......m $ ............ UMBRELLA LIAB OCCUR HCLAIMS-MADE EACH OCCURRENCE $ EXCESS.......................................m,,,.,.... LIA,B AGGREGATE $., m„m yy DED RETENTION $ _ .LLu, $ A WORKERS COMPENSATION T btH- '�•-�'��-��% 1 R AND EMPLOYERS' LIABILITY m 1 4/ /2 Y'' ADWC097907 4/25/20 9 25 020 N' X ..... ^ - -- E.L. E $ ' ____....,. 1 000,000 ANY PROPRIETORIPARTNER/EXECUTIVE If I°F'fC'�ERr EMBE'EXCLUDED? V N/A CH AC m IT EACH m,m,mDCIDFNT ” 9arldald, nN ^�.-.�-' l� E.L_._OISE A.SE EM $ 'LIC�I.OYEE., 1,000,000 If os„ describe under Ifies TION OF OPERATIONS below _ _ , E.L. DISEASE:F POLICY LIMIT $ -..... 1 000,000 DESCRIPTION OF OPERATIONS / LOCATIONS r VEHICLES (ACORO 101, Additional Remark's Schedule, may be attached if more a.�ce is required) A waiver of subrogation in favor of the certificate holder has been included in the workers compensation policy. (see attached endorsement). CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Ci of EI Segundo THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City 9 ACCORDANCE WITH THE POLICY PROVISIONS. 350 Main Street EI Segundo, CA 90245 AUTHORIZED REPRESENTATIVE % ACORD 25 (2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 4.84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT—CALIFORNIA We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 1.02 _% of the California workers' compensation premium otherwise due on such remuneration. Schedule Person or Organization Job Description Blanket Waiver - Any person or organization for whom the All CA Operations Named Insured has agreed by written contract to furnish this waiver. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective Policy No. ADWC097907 Endorsement No. Insured Insurance Company Countersigned By ©1998 by the Workers' Compensation Insurance Rating Bureau of California. All rights reserved.