PROOF OF INSURANCE (2022 - 2022) CLOSEDRHALAND-01 S Q_N_z&L1
TE
CERTIFICATE OF LIABILITY INSURANCE DA8/1312021(MMIDDIYYYY)
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 conferr,!hts to the certificate holder in lieu of such ondorsement(s), . ............. . ......
PRODUCER License # 0757776 CT Jennifer Housel
24TV1 — ---------- - - . . ....... — ----- ------
HUB International Insurance Services Inc. PHONE AX
Ext: (951) 779-8581 (AIC, NoIJ951) 231-2572
PO Box 5345 _( ..............._ _
Riverside, CA 92517 _11p Cal cpu I te!nationalconn
...... . . ....... . .
INSURED _R"9R9Rq.:Security Nat! nal insurance Com
RHA Landscape Architects -Planners, Inc. INSURER-c ContinentawIwCasualty Com at
6800 Indiana Ave, Ste 245 INSURER 0
Riverside, CA 92606
COVERAGES CERTIFICATE NUMBER: REVISION UUMSET.
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.
DDL S . U I B R� PO L I CY EFF P . OLICY - I EX P ........ .. . . . ................ .............
INSR TYPE OF INSURANCE INS. POLICY NUMBER LIMITS
TR WV1)
A X COMMERCIAL GENERAL LIABILITY
EACH
E OCCURRENCE
2,000,000
CLAIMS -MADE LX'! OCCUR OB3D820387 2/312021 2/312022
X
_0C
_DAMAGE TO RENTED
PR E M OF -a
300, . 000
---- — ----- -101,
.. . . ..........
000
2,000,000
' INJURY S
GEN1POLICY AGGREGATE LIMIT APPLIES PER:
GENERAL AGGREGATE
41000,000
LOC
4,000,000
PRODUCTS - CpMf!K�_.$
. ....... . .. —
OTHER'
A AUTOMOBILE LIABILITY
COMBINED SINGLE LIMIT
2,000,000
ANY AUTO OB3D820387 2/3/2021 2/3/2022
OSCHEDULED
AUTOS ONLY AUTOS
BODILY INJU!L(.(P�qr acci e
X HIRED NON-RWNED
I PROPERTY AMAGiE
Per $
AUTOS ONLY AUTO ONLY
acrideNT.,
. . . .......
UMBRELLA LIAB OCCUR
EACH pC,CURRENGE
EXCESS LIAB CLAIMS MADE
AGGREGATE
DED RETENTION $
$
B WORKERS COMPENSATION
AND EMPLOYERS' LIABILITY
7 OTH-
ANYPROPRIE/EXECUTIVE YIN X SWC1349090 8/21/2021 8/21/2022
L, EACH CI ENT $
X
OFFICERIMEMBER EXCLUDED? rYl NIA
(Mandatory In NH)
E1 DSEASE-EA EMPLOYEE $
1,000,000
If yes, describe under
-- -------- . .... ..
1,000,000
DESCRIPTION OF OPERATIONS below
E1 DISEASE -POLICY LIMIT
C iirofessional Liab LAH003011898 8/6/2021 8/6/2022
Each Claim
2,000,000
C PROF DED: $15,000 LAH003011898 8/6/2021 8/6/2022
Aggregate
4,000,000
DESCRIPTION OF OPERATIONS / LOCATIONS I VEHICLES (ACORO I D1, Additional Remarks Schedule, may be attached if more space is required)
RE: Recreation Park, 401 Sheldon Street, El Segundo, CA.
The City of El Segundo, its officers, officials, employees, agents, and volunteers are Additional Insured with regard to General Liability when required by
written contract per the attached endorsement forms 391-1006 08/16 and 391-1448 08116, Primary & Non -Contributory included. Waiver of Subrogation with
regard to Workers Compensation applies when required by written contract per the attached endorsement form WC040306 (Ed. 04-84).
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
City of El Segundo ACCORDANCE WITH THE POLICY PROVISIONS.
350 Main Street
El Segundo, CA 90245
AUTHORIZED REPRESENTATIVE
i z
ACORD 25 (2016/03) @ 1988-2016 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
Hllioi anover
� ZN fnsurance Groiip-
OB3 IMF387 1001051
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
AVENUES BUSINESSOWNERS DELUXE PLATINUM ARCHITECTS AND
ENGINEERS PROGRAM BROADENING ENDORSEMENT
This endorsement modifies insurance provided under the following:
BUSINESSOWNERS COVERAGE FORM
BUSINESSOWNERS LIABILITY SPECIAL BROADENING ENDORSEMENT
The following is added to SECTION I - PROPERTY:
The limits applicable to the coverages included in this endorsement may either be in addition to or included
within the applicable Limit of Insurance. For application of the limits, refer to each coverage within this
endorsement. Words or phrases in quotation marks have special meanings. The meaning of words or
phrases in quotation marks is explainedwithin the applicable coverage section. The coverages in this
endorsement amend the coverage provided under the Businessowners Coverage Form through new
coverages and replace coverage grants. These coverages are subject to the provisions applicable to this
policy, except where amended within this endorsement.
If any of the property covered by this endorsement is also covered under any other provisions of the policy
of which this endorsement is made a part of, or if more than one coverage under this endorsement applies,
in the event of loss or damage, you may choose only one of these coverages to apply to that loss. The most
we will pay in this case is the limit of insurance applying to the coverage you select. Coverages included in
this endorsement apply either separately to each described premises or on an occurrence basis. Refer to
each coverage within this endorsement for application of coverage.
We provide no coverage for Business Income; Extended Business Income; Extra Expense; or Business
Income and Extra Expense from Dependent Properties for, any of the Coverages included as part of this
endorsement unless specifically stated, and then only to the extent provided for within that Scheduled or
Blanket Coverage provision.
1, COVERAGES
Scheduled Coverages
LimitPa
e
1. Accounts Receivable On Premises
Accounts Receivable Off Premises
$250,000
$250,000
3
2. Backup or Overflow of a Sewer, Drain or Sump
Included
3
3. Brands and Labels
Included
3
-i. -Business income Bilia-Option
ble Hours Opon,
. . .... -- $25,000
4
5. Business Income and Extra Expense - Dependent Properties
$100,000
4
6. Transit Business Income and Extra Expense
$50,000
5
7. Business Income from Websites
$50,000 / 7 Days
5
8. Civil Authority
24 hour waiting
period
5
9. Computer Equipment
Computer Equipment In Transit or Off Premises
Computer Equipment - Newly Acquired or Constructed Property
Included
$100,000
$100,000
6
10. Computer and Funds Transfer Fraud
$10,000
6
11. Consequential Loss to Stock
Included
6
12. Contract Penalties
$25,000
6
13. Denial of Access to Premises
30 Days; 72 Hour
Waiting Period
6
14. Electronic Vandalism
$100,000
7
15. Employee Theft Including ERISA Compliance
$50,000
7
391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 17
16. Expediting E penses
$25,000
7
17. Extended Business Income
90 Days
7
18. Fine Arts (including Architectural Models)
$100,000
8
AForgery or Alteration
$50,000
8
20. Hired Auto - Phyif-c—al ba-rn-a—ge ...... __
$50,000
8
-2-1.1de n-t—ityTheft Ex"'—pense Reimbursement
$1 . 5,000
9
22. Interruption of Computer Operations On Prernises
$500,000
10
Interruption of Computer Operations Off Premises
$25,000/$50,000
23. Marring and Scratching
Included
11
24. Money and Securities Inside the Premises
$25,000
11
Money and Securities Outside the Premises
$25,000
. Mo n e Orders and Counterfeit Money
$25,000
11
26. Newly Acquired or Constructed Property -Business Income and Extra
$500,000
11
Expense
27. Ordinance or Law- Demolition Cost Coverage and Increased Cost of
$25,000
11
Construction
28. Ordinance or Law - Increased Period of Restoration
$50,000
11
'29_.drdinance or Law (Tenants Improvement Extension)
$25,000
12
30. Outdoor Property
$25,000
12
31. Personal Effects
$75,000
12
32. Portable Electronic Devices Coverage Worldwide
$10,000
12
33. Precious Metal Theft Payment Changes
$25,000
13
34. Preservation of Property - Expense
$25,000
13
35. Personal Property in Transit
Included
13
36. Sales Representative Samples
$25,000
13
37. Temporary Relocation of Property
$50,000
13
. . ....... . . .....
38. Tenant Signs
Included
14
39. Utility Services
Direct Damage (Including Overhead Transmission Lines)
$25,000
14
Business Income (including Overhead Transmission Lines)
$25,000
40. Valuable Papers and Records (Other Than Electronic Data) On
Premises
$100,000
14
Valuable Papers and Records (Other Than Electronic Data) Off
$100,000
Premises
41. Worldwide Property Off Premises
$50,000
14
391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of 17
� HiingyRr
1 . Additional Insured by Contract, Agreement or Permit Amended
Included
15
2. Additional Insured by Contract, Agreement or Permit Primary and
Included
15
3. Aggregate Limit of Insurance (Per Project)
16
4. Damageto Premises Rented to You - Revised Limit
$1,000,000
16
5. Limits of Insurance - Medical Expenses
$10,000. per person
16
6. Newly Acquired or Formed Organizations
180 Days
17
Who !s.. An Insured - Unnamed Joint Venture
Included
Q. DEDUCTIBLES
Deductibles are subject to the provisions
applicable to the Busimmoouwneoa Coverage
Form except as provided below. We will not
pay for covered |oaa or damage in any one
occurrence unless the amount of |oeu or
damage exceeds the applicable Deductible
amount. We will then pay the amount ufloss
or damage in excess of the Deductible up to
the applicable Limit mfInsurance.
111111. COVERED PROPERTY
Scheduled Coverages
1. Accounts Receivable
SECTION A. Coverage, 6.
Coverage Extensions, t Accounts
Receivable, paragraphs (2) and (3) are
replaced by the following:
(2) We will pay under this Coverage
Extension for |oaa or damage in any
one occurrence at the described
premises. The most we will pay is
$250^000 for aoouunha receivable at
the described premiseo, unless a
higher Limit ofInsurance for accounts
receivable is shown in the Additional
Property Coverage Schedule.
(3) We will pay under this Coverage
Extension for |oea or damage in any
one occurrence not at the described
premises. The most we will pay is
$250,000for accounts receivable not
etthe described premises.
3. Backup or Overflow of Sewer, Drain or
Sump
The fmUmm/|ng is added to SECTION | -
PROPERTY, A. Coverage, S. Additional
Coverages:
Backup orOverflow af o Sewer, Drain or
Sump
(1) We will pay Mn direct
damage to Covered Property at the
described premises, solely caused by
or resulting from water or waterborne
material carried or moved by water
that backs up or overflows or is
otherwise discharged from a sewer,
drain, sump, sump pump or related
equipment. The term drain includes a
roof drain and its related fixtures.
(2)For the purpose of this Additional
Coverage only, SECTION I -
PROPERTY, B. Exclusions, g. Water,
paragraph (3) is deleted.
(3) Payment under this Additional
Coverage is included within the
ap|imabi|e Limit of Insurance for
Covered Property at a pm*nnimea
dauuhbad in the Declarations. This
Additional Coverage does not
increase the Limits mfInsurance.
WQ Special Sewer Backup Exclusion
We wi II not pay for:
(a) Loss or damage from water or
other materials that back-up or
overflow from any sewer or drain,
sump, sump pump or related
equipment when it is caused by or
results from any "flood",
regardless of the proximity of the
back-up or overflow to the "flood"
condition; or
(b) Failure to keep a sump pump or
its ne|ub*d equipment in proper
working condition; or
(c) Failure to perform routine
maintenance or repair necessary
tokeep osewer ordrain free from
obstructions.
3. Brands and Labels
391-1448 08 16 |nohdoo copyrighted material of Insurance Services Office, Inc.. with its permission. Page cf17
The following in added to SECTION | -
PROPERTY,A. Coverage, Q. Coverage
Brands and Labels
(1) If Covered Property that has o brand
or label is damaged by a Covered
Cause of Loss and we elect to take
al/ or any part of the damaged
property at an agreed or appraised
va|ue, you may extend the insurance
that applies to your Business
Personal Property to:
(m) Pay expenses you incur to:
(I) Remove the brand or label
and then relabel the damaged
property to comply with any
applicable law; or
(U) Label or stamp the dmrnaged
property Salvage, if doing so
will not physically damage the
property.
(b) Cover any reduction in the
salvage value of the damaged
property as u result of the
removal ufthe brand orlabel.
(2) Payment under this Extension is
included within the Limit ofInsurance
applicable toyour Business Personal
Property.
4- Business Income Billable Hours Option
The following is added to SECTION U -
PROPERTY, A. Coverage, E. Property
Loss Conditions, 5.Loss Payment:
Business Income Billable Hours Option
(1) At your option you may choose to
settle a covered 8uminaoo Income
and Extra Expense loss, andescribed
under the Business Income, Extra
Expense and Utility Services
Additional Cmverages, on a billable
hours basis. If you choose this
settlement meLhud, the billable hours
will be verified through review of your
hio0mr|oa| financial records or based
on on average of your billable hourly
rate over the past 12 months.
(2) This |ooa settlement option is only
available to you prior to your
submission to us of calculations
described under SECTION K -
PROPERTY, A. Coverage, 6.
Additional Coverages, t Business
Unoonne'
(3) If you choose this option, SECTION U ~
PROPERTY, A. Coverage, 5'
Additional Covwno0au' f. Business
Income, paragraph (c)im replaced by
the following:
(c) Business Income means the:
(I) Income that would have been
generated from billable hours
normally charged by you to
your clients for services
performed by you or your
employees if no physical loss
ordamage occurred;
(i|) Other income ofyour business
that would have been incurred
if no physical loss or damage
occurred;
(iii) Continuing normal operating
expenses incurred, including
"payroll expenses". However,
i your business is, not
generating any income
because you are primarily in
research or development or
have not yet brought your
product to market, your
continuing normal operating
expenses, including jayroll
expenses" will not be fset by
the Net Loss; and
(h/) "Rental Value".
For manufacturing risks, Net
Income includes the net sales
value of production.
(4) For any occurranoo. the two
available methods for adjusting
and calculating Business Income
and Extra Expense |uns may not
be combined. When the
alternative billable hours approach
described above is selected, the
maximum coverage under this
loss settlement option is $25,000
on an actual loss sustained basis.
5. Business Income and Extra Expense -
Dependent Properties
The heading for SECTION U -PROPERTY,
A. CouemmQm, 5. Additional Coverages, mn-
Business Income from Dependent
Properties is replaced bythe following:
nm' Bum|naam Income and Extra Expense
from Dependent Properties
The following is added to Business
Income and Extra Expense from
Dependent Properties:
We will pay the necessary Extra
Expense you incur due to direct
physical loss of or damage to
"dependent property" caused by or
resulting from a Covered Cause of
The definition ofExtra Expense for this
Additional Coverage is replaced by
391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 4 of 17
rhe
Hanover
Insurance Group-
083D820307 1001051
Extra Expense means necessary
Business Income from W&�mahem
e^p="'s== you incur�the period
M) You may extend this insurance to
restotheduring
ration" an for � "�p=''""''`
opp|y to a "suspension" of
property" that you would not have
Hoperationm° caused by direct
incurred if there had been no direct
physical (omu or damage to
physical loss or damage to the
"dependent
property that you depend on for
pnomiaon ofany property"
"web site and communications
caused by or resulting from u
services" from mCovonad Cause of
Covered Cause ofLusm'
'
Loss.
(1) To avoid or minimize the
~�u���nmimn° of business and to
(2) VVa will not pay for any |oeu of
'
oonUnu�'`�p�raUon�"�or
Business Income you incur during
the first 12hours that immediately
(2) To minimize the "suspension" of
follows the time when you first
business if you cannot continue
discovered the Covered Cause of
"oporahons"
Loss. This Waiting Period does not
We will reduce the amount of your
apply to Extra Expense.
Extra Expense loss to the extent
(3) The most vvawill pay for the actual
you can return "operations" to
|oae of Business Income and
normal and discontinue such
necessary and reasonable Extra
Extra Expense.
Expense in any one occurrence
(3) Paragraph �) of this Additional
under thin Additional Coverage is
Coverage is replaced by the
$50,080 and only for the 7-day
following:
period immediately following the
CovaredCuuoemfLnuu�
�� The most vvn willwillpay under
`' this Additional Coverage is
(4) Coverage dmaw not apply to
$100,000 per occurrence
VVebs�es unless there is u
number of the nu��r o'f
duplicate or back-up copy of your
"dependent properties"Web
Page stored at a location that
affected.
is at least 1.800fnet away from the
premises of the vendor that
G. Transit Business Income and Extra
provides "web site and
Expense
comm uo[cations smn/ices°.
The following is added to SECTION | '
�� "Web Site and Communication
PROPERTY' A. Coverage, 5. Additional
` ' Services" means:
Coverages:
(a) Internet acceao, e-mail, web
Transit Business Income and Extra
hosting` value added network
Expense
services and application
( 1) We will pay the actual loss of
ooDwena services at the
Business Income you sustain and
premises ofothers; or
necessary and reasonable Extra
(b) Network and router
Expense YOU incur caused by direct
infrastructure located more
physical loss of or direct physical
than 1.000 feet from the
damage to Covered Property while "in
described premises.
transit" caused byorresulting from a
Covered Cause ofLoss.
b. This Additional Coverage 5�|� not ^u
to SECT/ON Y - PROPE|r, C. Limits of
(2) SECTION A ~ PROPERTY, B.
Insurance.
Esc0usUowe, paragraphs 1.16 Earth
8. Civil Authority
Movement and Ido not apply
hzthis Additional Coverage:
SECTION | PROPERTY, A. Coverage, 5.
(3) The most we will pay for loss in any
Additional Coverages, n I. Civil Authority,
one occurrence under this Additional
paragraph (2))mreplaced bythe following:
Coverage io$5O.0O0.
(2) Civil Authority Coverage for Business
WQ The amount payable under this
Income will begin 24 hours after the
Additional Coverage is additional
time of first action of civil authority
u/«Y
insurance.
that prohibits aooeae to the described
premiaaoandvvi||end�
7. ��um!mess|oomnme�omWebsite�
(a) Four consecutive weeks after the
a. The following is added to SECTION U '
time ofthat aotiunor
'
PROPERF��k-Coverage, 5.Addi�ona|
Coverages:
(h) When your Civil Authority Coverage
for Business Income emda'
,
whichever is later.
(1) You may extend the insurance that
9. Computer Equipment
applies to your Business Personal
Property to apply to they reduction in
SECTION I -PROPERTY, A. Coverage, 5.
yalue of the remaining prts of "'stock"
Additional Coverages, r. Computer
in process of manufacture that are
Equipment, paragraph (6) is replaced by
physically undamaged but are
the following:
unmarketable as a complete product
(6) Regardless of the number of insured
because of direct ph s,ical loss or
locations involved, the most we will
damage from a CovereyCause of Loss
pay for loss or damage under this
to other parts of covered "stock" in
Additional Coverage in any one
process of manufacture at an insured
occurrence is the applicable Limit of
location.
Insurance for Covered Property at the
(2) Should it be determined that such
premises described in the
"stock" retains only a salvage value,
Declarations..
we retain the option of payingthe full
The most we will pay for loss or
value of the "stock" as agreed within
damage under this Additional
this policy, and taking the damaged
Coverage to property described in
property for salvage purposes.
paragraphs (1) and (2) above in any
(3) Payment under this Coverage
one occurrence while "in transit" or at
Extension is included within the
a premises other than the described
applicable Limit of Insurance.
premises is $100,000.
12. Contract Penalties
The most we will pay for loss or
damage under this Additional
The following is added to SECTION I -
Coverage to property described in
PROPERTY, A. Coverage, 5. Additional
paragraphs (1) and (TI) above in any
Coverages:
one occurrence for property that you
Contract Penalties
newly acquire is $100, O00.
(1) We will pay for contract penalties you
With respect to newly acquired
are required to pay due to your failure
property under this Additional
to provide your product or service
Coverage, coverage will end when any
according to contract terms because of
of the following occurs:
direct physical loss or damage by a
(a) The policy expires;
Covered Cause of Loss to Covered
Property.
(b) 180 days after you acquire the
property listed in (1)(a - d);
(2) The most we will pay for all penalties
in any one occurrence is $25,000.
(c) You report values to us.
(3) The amount payable under this
The most we will pay for Extra
Additional Coverage is additional
Expense is $5,000 or the arnount
insurance.
shown in the Additional Property
Coverage Schedule in any one
13. Denial of Access to Premises
occurrence.
The following is added to SECTION I -
This Additional Coverage is not
PROPERTY, A. Coverage, 5. Additional
subject to SECTION I - PROPERTY, C.
Coverages:
Limits of Insurance.
Denial of Access to Premises
10. Computer and Funds Transfer Fraud
(1) We will pay for the actual loss of
SECTION I - PROPERTY, A. Coverage, 5.
Business Income you sustain and
Additional Coverages, hh. Computer and
necessary Extra Expense you incur
Funds Transfer Fraud, paragraph (3) is
when ingress to or egress from the
replaced by the following:
described premises is prevented, due
to direct physical loss of or damage to
(3) The most we will pay per occurrence
property that is away from but within
under this Additional Coverage is
2000 feet of the described premises,
$10,000 unless a higher Limit of
caused by or resulting from any
Insurance is shown in the Schedule of
Covered Cause of Loss covered under
Amended Limits of Insurance.
this policy.
11. Consequential Loss to Stock
(2) The coverage for Business Income will
The following is added to SECTION I -
begin 72 hours after the loss or
PROPERTY, A. Coverage, 6. Coverage
darnage to the premises that causes
Extensions:
the denial of access and will apply for
Consequential Loss to Stock
391-1448 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 6 of 17
a period of up to30consecutive days
after coverage begins.
(3) The coverage for Extra Expense will
begin immediately after the loss or
damage to the premises that nmueea
the denial ofaccess and will end:
(a) 30 consecutive days after
coverage begins; or
(b) When your Business Income
coverage ends;
whichever iaearlier.
N0 The definitions of Business Income
and Extra Expense contained in the
Business Income Additional Coverage
and the Extra Expense Additional
Coverage also apply to this Denial of
Access to Pmam|oeo Additional
Coverage.
14^ Electronic Vandalism
SECTION I ~ Puppmrty, A. Coverage, 5.
Additional Coverages, dd. Electronic
Vandalism, paragraph (3) is replaced by
the following:
(3) The most we will pay for loss of or
damage to computer "hordw/are, or
"software" in any one occurrence
under this Additional Coverage is
$5.000. The most we pay for all
covered |oosaa to computer
"hardware" or "software" under this
Additional Coverage during each
aepammbm 12~m/onth period of this
policy im$1UU,O00.
The most we will pay under this
Additional Coverage for all loss or
damage sustained in any one policy
year, regardless of the number of
occurrences ofloss ordamage orthe
number of premises, locations or
computersystems involved, is
S100,800. unless a higher Limit of
Insurance is shown in the
Declarations. If |ono payment on the
first occurrence does not exhaust this
amount, then the balance is available
for subsequent loss or damage
sustained in, but not efter, that policy
year. With respect to an occurrence
which begins in one policy year and
continues m/results in additional |omo
or damage in a subsequent policy
year/a), all loss or damage is deemed
to be sustained /n the policy year in
which the occurrence began.
15. Employee Theft Including ERVSA
Compliance
SECTION K - PROPERTY, A. Coverage, 6'
Additional Coverages, p. Employee Theft
Inc|udhnT' ERNSA^ paragraph (6)' is
replaceby the following:
(6) The most we will pay for all loss
resulting directly 'from an occurrence is
$50,000. Regardless of the number of
years this policy remains in force or the
number of prerniums paid, no Limit of
Insurance cumulates from year to year.
16. Expediting Expenses
The following is added to SECTION K ~
PROPERTY, A. Coverage, 5. Additional
Coverages:
Expediting Expenses
(1) When Covered Cause ofLoss occure
to Covered Property, vvewill pay for the
reasonable and necessary additional
expenses you incur to:
(a) Make temporary repairs;
(b) Expedite permanent repair or
replacement of damaged property;
or
(c) Provide training on replacement
machines orequipment.
(2) The most we will pay for loss under this
Additional Coverage in any one
occurrence im$25,000.
(3) The amount payable under this
Additional Coverage is additional
insurance.
17. Extended Business Income
SECTION | PROPERTY, A. Coverage, 5.
Additional Coverages, f. Business, Income,
(2) Extended Business Income, (a) Extended
Business Income - Other Than Rental Value,
paragraph (ii) and (b) Extended Business
Income - Rental Value, paragraph (il) are
replaced by the following:
(a) Extended Business Income ' Other Than
Rental Value
(iU Ends onthe earlier of:
1) The date you could restore
Your operationa, with
reasonable speed, to the level
which would generate the
business income amount that
would have existed if no direct
physical loss or damage had
occurred; or
2) 00 consecutive days after the
date determined in (3)(m)(i)
above.
(b) Extended Business Uncmrnm - Rental
Value
(ii) Ends onthe earlier of:
1) The date you could restore
tenant occupancy, with
reasonable speed, to the level
which would generate the
"Rental Value" that would have
391-14480816 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 7mf17
existed if no direct
i) The covered "aubo'e"overturn.
physical |oaa or damage had
occurred�ur
'
'
(b) Co|ko�wnoovenmOe
2) 08 consecutive days after the
(i) The covered "auho'e" collision
date determined in (2)(b)(i)
with another object; or
above.
(0) The covered "auto`o"overturn.
18. Fine Arts
(2) For the purpose of this Additional
a' SECTION PROPERTY,A. ��mrm
'
Coverageonly,SECTION U -
PROPERTY, A. �omxamy�e 2 Property
�p="y
Q' Coverage Extensions, �� Fine Arts,
'
paragraph (3) is replaced by the
. ' . '
��C�mw�neparagraph o
Not ' is replaced
following:
bythe following:
�U The most we will pay for |uas
' � /\inonaM automobiles, motodruoks
'
under this Additional Coverage is
and other vehicles subject to motor
$100.000 per occurrence
vehicle registration and:
mmgmrd|eea of the number of
(1) Any "auto" as described in
locations urbuildings involved,
paragraph (1) above, while
6 F �b / this Additional
' ~^ ~ '�
used in any professional or
organized racing or demolition
Coverage, SECTION | - PROPERTY,G-
P'—�-- Definitions, 21.'F|me /�sis
contest or stunting activity, or
replaced by the following:
while practicing for such
contest oractivity;
21. "Fine Arts" means architectural
models, paintings, etchings,
(2) Tapem, nyoonde, discs or other
pictures, tapestries, '~'~~rt g|~~~`
similar audio, visual or data
e|ectnoniudevioeodemigned for
art glass windows, valuable rugs,
eiatuary, sculptures, "antique"
use with audio, visual or data
furniture, "andque./ jewelry,
electronic equipment;
bric-a-brac, porcelains, and
(3) Any device designed urused tu
similar property ofrarity, historical
detect speed measuring
value, orartistic merit.
equipment such as radar or
1$. Forgery orAlteration
laser detectors and any
jamming apparatus intended to
SECTION | - PROPERTY. A. Coverage, 5.
elude or disrupt speed
Additional Coverages, k. Forgery or
measurement equipment; or
Alteration,paragraph (5) is replaced by
�
the following:
WQ Any electronic equipment,'
without regard to whether this
we The most � will pay for any |000`
qui t- is permanently
including legal expenses, under this
installed, that receives or
Additional Coverage io$5O.O0O.
transmits eudio, visual or data
20. Hired Auto -Physical Damage
signals and that in not
The following is added to SECTION U -
designed um|e|y for the
reproduction ofanund
PROPERTY, A. Coverage, 5. Additional'
Coverages:
(3) For the purpose of this Additional
Hired /$ubm-Physical Damage Coverage
Coverage on|y, SECTION U ~
PROPERTY, B. ' Exclusions does not
(1) We will pay for loss to an "auto" YOU
apply with the exception of the
or an "employee", at your d|nact[om^
following exclusions:
lease, hire or rent without a driver
(a) 1.d' Nuclear Hazard;
a period of 30 daysless forthe'
purpose of conducting customary
(b) 1.f.War and Military Action
operations for your business. This
For the purpose of this Additional
does not include any ''ou&o~you lease,
Coverage only, the following
hire or rent from any of your
exclusions are added to SECTION U ~
^amp|uyaeu^ or members of their
PROPERTY, B'Exclusions:
households.
1. We will not pay for |oaa to a
We will pay for loss to a covered
covered "auto" caused by or
"aufo"urits equipment caused by:
resulting from someone causing
(a) Comprehensive coverage
you to voluntarily pad with the
From any cause except:
"auto" bytrick orscheme orunder
false pretenses; ur
(i) The covered "autm'a" collision
with another object; or
39144480816 Includes copyrighted material ofInsurance Services Office, |nc,with its permission. Page8of17
2- We will not pay for loss caused by
or resulting from wear and tear,
freezing; mechanical or electrical
breakdown; blowouts, punctures
or other road damage to tires,
W0 For the purpose of this Additional
Coverage only,the following is added
to SECTION ~PROPERTY, C. Limits
of Insurance:
Hired Auto Physical Damage Limits xf
Insurance
The most wmwill pay for loss to any
one covered "auUo"iathe lesser of:
a' The eotum| cash value of the
damaged or stolen property as of
the time ofloss;
b. The cost of repairing or replacing
the damaged or stolen property
with other property of like kind
and quality; or
u' $50.080.
(5) The following is added to SECTION A ^
PROPERTY, D. 0mdw^tibUam.
panagnaph5.:
Hired Auto ' Physical Damage
(6) For the pur ose of this Additional
only,Coverage the following is added
to SECTION I - PROPERTY, G.
Property Definitions:
1' "Auto" means a land motor
vehicle, trailer or semitrailer that
is subject to motor vehicle
regiutnoUun, or designed for travel
on public noado, including any
attached machinery orequipment.
The amount payable under this Additional
Coverage isadditional insurance.
This coverage is excess to any other valid
insurance whether collectible o, not.
21' Identity Theft Expense Reimbursement
The following is added to SECTION I ^
PROPERTY, A. Coverage, 6. Additional
Coverages:
Identity Theft Expense
(1) We will pay for "expenses" incurred
by an "insuredperson" as m direct
result ofany one "Identity Theft" first
discovered or learned of by such
,1mmumad person" during the policy
period.
Any act mrseries of acts committed by
one or more persons, or in which
such persons are aiding and abetting
others against an"insured peraon". is
considered to be one "identity
theft" even if a series of acts
continues into subsequent policy
pehod(a).
(2) With respect to this Additional
Coverage:
(a) "Expenses" means:
(i) Costs for notarizing affidavits
or similar documents attesting
to fraud required by financial
institutions or similar credit
grantors orcredit agencies;
(ii) Costs of certified mail to law
enforcement ogancimm, credit
agenciun, financial institutions
ursimilar credit agencies;
(iiULost income resulting from:
1) Time taken off work to
complete fraud affidavits;
or
3) Meeting or talking to law
enforcement agenoiea,
credit agencies or legal
counsel.
(iv) Loan application fees for
reapplying for a loan or loans
when the original application is
rejected solely because the!
|emdernaceiwad incorrect credit
information;
(v) Reasonable attorney fees to:
1) Defend lawsuits brought
against an"insured person"
by menzhaoba. financial
institutions or their
collection agencies;
2) Remove any criminal or
civil judgments wrongly
entered against on
"insured peraun";ur
3) Challenge the aoounooy or
completeness of any
information in a consumer
credit report;
(vU Charges for long distance
telephone calls due to"Identity
theft" to:
i) Merchants;
2) law enforcement agencies;
3) Financial institutions or
other similar credit
grantors; or
4) Credit agencies
hviUReammnab0e &wem for
professional financial advice or
professional credit advice,
391-1448 081G Includes copyrighted material ofInsurance Services Office, Inc., with its permission. Page8of17
The most we will pay for
(5) The most we will pay under this
"expenses" Linder ph (2)
AdditionalCove for all
(a) is $5,000, subject no a
anomA out orall "Identity against
maximum oJ$20@per day.
an "Insured Person" incurred in any
(b) For purposes of this Additional
one policy year, regardless of the
Coverage, "idenUtytho�~meanu:
number f"|dentityThefts" involved, is
un|oeo a higher Limit of
The act of knowingly transferring
Insurance iashown in the Declarations.
or using, ithout lawful authority,
means of identification of an
�� In order for coverage, to be provideda
"insured with the intent to
under this Addidoma| coverage, you
commit, ortoaid orobaioncdher
must send to us, within GO days after
'
to commit, anyunlawful activity
our maqw��receipts, bills or other
request,
that constitutes e violation �f
records that support your claim for
Federal law orafelony under any
"expenses" under "identity (h*ft"
applicable state orlocal law; and
coverage.
(c) ^|nauradporson^moana�
22Interruption of��omputer��pamt|ons
'
|) For sole proprietorships: The
SECTION I l�� p��� �5'
` individual who is the sole
Additional Coverages, em. Interruption of
of the Named
proprietorrep/�oedbythafo//owing'
Computer Operations, paragraph (3) is
Insured shown in the
:
Declarations;
(3) The most we will pay under this
/�0 For partnerships: Any
Additional Coverage Interruption of
` individual that is a partner of
Computer Operationsfor all loss
the Named Insured shown in
sustained and expense incurred in any
the Declarations;
one policy y��r, regardless of the
'
number ofinterruptions or the number
(ii|)For corporations or any other
of premises, locations or computer
type of organization: The
systems involved is:
Chief Executive Officer, and
any individual who has an
(�) $5Q0�OO unless a higher Limit of
ownership interest of at least
Insurance is yhuvvn in the
2��� of the Named Insured,
Om If |ooe payment
shown in the �eu|aroUone'
relating
reiating to the first interruption
does not exhaust this amount, than
(3) The following additional exclusions
the balance is available for loss or
apply tnthis Additional Coverage:
expense sustained or incurred as a
VVewill not pay for:
result of subsequent interruptions
(a) Expenses incurred du* to any
in that policy year. A balance
remaining at the en~ of u policyfnaudu|ent'
dishonest or criminal
acts by:
year does not increase the amount
of insurance in the next policy
(/) An"insured paraon^;
year. With respect to any
(|i) Any person aiding or abetting
interruption which begins in one
an"insured peraon"; or
policy year and continues or
naauha in additional |ouu or
(Ui)Any authorized representative
expanse in a subsequent policy
of an "insured nsuru person";
year(m). all loss and, expense is
whether acting alone or in
deemed to be mumta:ined or
collusion with others; or
incurred in the poUoyyear in which
(b) Loss other than "expenses".
the interruption began.
Account balances which arise out
(b) $25,000 in any one occurrence for
of fraudulent or unauthorized
interruptions covered under
charges would be one example of
paragraphs (1) and (2) whmwm for
loss other than ''expenoao".
loss arising out of a Covered
(4) Regardless of the amount of the
Cause ofLoss occurring awayf^om
the described premises.This per
deductible for Covered Property
occurrence limit applies regardless
shown in the Declarations, the most
of the number of premises
we will deduct from any claim for
involved.
"expenses" under this Additional
Coverage for any one "identity theft"
(c)$50.0OO for all losses arising out mf
im$2BO.
interruptions covered under
poragrapha(1) and (2) that arise
out of a Covered Cause of Loss
391~44480816 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1Oof1T
occurring from the described
premises during each separate 12
month period of this policy.
23. Marring and Scratching
The following is added to SECTION / -
PROPERTY, A. Coverage, 8. Coverage
Marring and Scratching
(1) You may extend the insurance that
applies to Buoimaaa Personal Property
to apply to damage caused directly by
sudden and accidental marring and
scratching of:
(m) Your "stock";
(b) Your printing plates; or
(c) Property ofothers that is in your
care, custody orcontrol.
(2) This Coverage Extension does not
apply to:
(a) Property at other than the
described premises; or
(b) Personal Property intransit.
(3) Payment under this Coverage
Extension is included within Limit of
Insurance applicable iuyour Business
Personal Property.
24. Money and Securities
SECTION K - PROPERTY, A. Coverage, 5'
Additional Coverages, s. Money and
Securities, paragraph (5) is nep}unmd by
the following:
(5) The most we will pay for loss in any
one occurrence is:
(a) $25.000 or the amount shown in
the Additional Property Coverage
Schedule Inside the Premises for
"money"and "eeuuritiea"while:
(i) In or on the described
premises; or
(iA Within a bank or savings
institution in the omvenoga
territory; and
(b) $25,000 or the amount shown in
the Additional Property Coverage
Schedule Outside the Premises
for "money" and "securities" while
at any other location listed in (1)
above and while in the coverage
territory.
26.K8mnay Orders and Counterfeit Money
SECTION | ' PROPERTY, A. Coverage.5'
Additional Cmvmn*gam, j. Money Orders
4 H Vie
anover
Insurance Group-
0133D820387 1001051
and Counterfeit Money, paragraph (3) is
replaced bythe following:
() The most we will pay for any |oma
under this Additional Coverage is
$25,000.
26. Newly Acquired mrConstructed Property ~
Business Income and Extra Expense
SECTION U - PROPERTY, A. Coverage, 6'
Coverage Extensions, m Newly Acquired or
Constructed Property, paragraph (3) is
replaced by the following:
(3) Business Income and Extra Expense
You may extend the insurance that
applies to Business Income and Extra
Expense to apply to property at any
location you acquire, The most we will
pay for |oem or damage under this
Extension is $500^000 at each
premises.
27. Ordinance or Law ' Demolition Coat and
Increased Cost mfConstruction
SECTION U - PROPERTY, A. Coverage, 5.
Additional Coverages, 1. Ordinance or Law,
(5) Loss Payment, paragraph (d) is
replaced by the following:
(d) The most wawill pay for the total ofall
covered |oaeua for Demolition Cost and
Increased Cost of Construction for
each building described in the
Declarations is $25,000 or the amount
ahuvvn in the Additional Property
Schedule. If damaged building(s) is
covered under a Blanket Limit of
Insurance and the Blanket Limit of
Insurance applies to more than one
building or item of property, than the
most we will under this Additional
Coverage, for each building, i
or the amount shown in the Additional
Property Coverage Schedule.
28. Ordinance or Law - Increased Period of
Restoration
a. The following is added to SECTION | ~
PROPERTY, A. Coverage, 5. Additional
Coverages, z. mrmmanom or Law,
paragraph kUCoverage:
If Covered Cause of Loss occurs to
property at the premises described in
the Declarations, coverage ioextended
to include the amount of actual and
necessary |Veo you sustain during the
increased period of "suspension" of
"operations" oounod by or naou|Ung
from the enforcement of any ordinance
orlaw that:
(a) Regulates the construction or
repair ofany property;
3914448 08 16 Includes copyrighted material of Insurance Services Office, Inc.. with its permission. Page 11 of17
(b) Requires the tearing down of parts
cxany property not damaged by
Covered Cause ofLoss; and
(c) Is in force at the time of loss.
Hmwover, coverage is not extended
under this endorsement to include
|ums caused by or resulting from the
enforcement of any ordinance or law
which requires:
(d) The demolition,
replacement, reconstruction,
remodeling or rerned/aomn of
proerty due to contamination by
"porlu%$nts" or due to the
presence, growth prd0hamoton,
spread or any activity of "fungi"',
wet ordry rot orbacteria, mr
(m) Any insured or others to test for,
monitor, clean up remove,
contain, treat' detoxify or
neutro||ze, or in any way on6
to, or aoaeao the effects of
.'pollutants", "fungi", wet or dry not
or bacteria.
b. The following is added to SECTION V~
PROPERTY, A. Coverage 5- Additional
Coverages, 1. Ordinance orLaw, (5)
Loss Payment, paragraph (c):
The most we will pay for |omu under
Increased Period ofRestoration in any
one occurrence is $50,000 for each
described building shown in the
Declarations orthe amount shown in
the Additional Property Coverage
Schedule. If damaged building(s) is
covered on o blanket Limit of
Insurance which applies lo more than
one building or item of property, then
the most we will pay for |nnmaaead
Period of Restoration for each
described building in any one
occurrence im$50.0Q0.
29. Ordinance or Law (Tenant's Improvement
Extension)
o. The following is added to SECTION A ~
PROPERTY, A. Coverage, 5. Additional
Coverages, /. enmmenca or Law,
paragraph pQCoverage:
Coverage provided under paragraphs
(a). (b) and (c) above applies to
tenant's improvements and
betterments but only if a Limit of
Insurance isshown in the Declarations
for Bua\nuou Personal Property.
Business Personal Property must be
insured onereplacement cost basis.
This extension is provisional and
excess to any other valid insurance
for tenant's "improvements and
betterments whether collectible mrnot.
b. The following is added hoSECTION U'
PROPERTY, A. Coverage, 5. Additional
|. Ordinance or Law, (S)
Loss Payment, paragraph (c):
Regardless Vfthe number oflocations
insured or buildings involved, the most
we will pay for any loss to tenant's
improvements and betterments under
this Additional Coverage in any one
occurrence is $25.000.
30. Outdoor Property
SECTION PROPERTY,
Coverage Extensions, c. Outdoor Property,
paragraph (3) is replaced by the following:
(Q Regardless ofthe number ofdescribed
premises involved, the most we will
pay for loss or damage under this
Extension, including debris removal
expense, is $25.008.but not more than
$1,ODQfor any one tree, shrub orplant.
31' Personal Effects
SECTION - PROPERTY, A. Coverage, 6.
Coverage Extensions, d. Personal Effects,
paragraph (3) is replaced by the following:
(3) The most we will pay for |oao or
dama�e under this Extension is $75^000
atmao�described premises.
32. Portable Electronic Devices Coverage
Worldwide
The following is added to SECTION A ~
PROPERTY, A. Coverage, G. Additional
Coverages:
Portable Electronic Devices Coverage
Worldwide
(1) We will pay for loss or damage caused
byorresu\bfrom
n� �a Covered Cause
oƒLoss to portable electronic devices
while anywhere in the vvmdd, including
while "in transit".
(2) For the purpose of this Additional
Coverage, the foUlow!ng is added to
SECTION | - PROPERTY. G. Property
Definitions:
Portable *|ooinonio devices includes
laptops, tab|ets, e-readers,
snmadphoneo or other lightweight,
hand-held orwearable devices capable
of etorinQ, retrieving and processing
(3) This coverage is provided when the
property is owned byyou orowned by
others when in your or your
"enu i eem^~ more, custody orcontrol,
subject to SECTION |-PROPERTY, E.
3$1444$ 08 16 Includes copyrighted material ofInsurance Services Office, Inc., with its permission. Page 12 mf17
Insurance Group,.
083D020387 1001051
Property Loss Conditions, 5. Loss
(1) $10,000 for furs, fur garments and
Payment, panaOnaphd.(3)(»).
garments trimmed with fur.
WQ We will not pay for loom or damage to
(2) $18,080 for jewelry, watches, watch
portable electronic devices when
movements, jewels, pearls,
caused by, resulting from, or arising
precious and sen*i-pnoc[mlus stones.
out of "theft" or unexplained Uase
This limit does not apply to 'mwe|ry
when the property is checked
and watches worth $258or less per
baggage with acarrier for transit.
item.
(S) The provisions for a Business Income
(3) $25,000 for bu/|ion, gold, silver,
loss will be governed by the terms of
platinum and other precious alloys
SECTION | ~ PROPERTY, A. Coverage,
or metals.
S. Additional Coverages, t Business
34. pn*ammationofpmope�y-Expenea
Income except:
(a) There is no requirement that a
The fo||ovvUnQ is added to SECTION U ~
PROPERTY, A. Coverage,5' Additional|onu
occur within 1r-000 feet or at
�
Coverages:
the described premisesas stated
in paragraph (1)(m); and
Preservation of Property - Expense
(b) The following are not included
(1) If it is necessary to moove Covered
under this Additional Coverage:
Property from the described premises
(I) Continuing o��n�| operating`~
to it from loss ordamage by
a Covered Cause of Loss, we will pay
����nae� incurred, including
,.payroll expense";
your expenses to move 'or store the
Covered Property.
(|1) Extended Business Income.
(3) This coverage applies for 90days after
(G) The provisions for Extra Expense loss
the property is first nmmmmU, but does
will be governed by the terms of
not extend past the date on which this
SECTION K ~ PROPERTY. A. Coverage,
policy expires.
S' Additional Coverages, g. Extra
(3) The most we will pay under this
Expense except:
Additional Coverage io$25.U0U.
(o) There is no requirement that a
This Additional Coverage is an additional
|oea occur within 1OUU feet or at �
amount ofinsunmnoo
the described premises as stated
'
in paragraph g'(1}and Q'(2).
35. Pmmmmnml Property imTransit
(7) L|nndatipns, item b'doee not apply to
SECTION PROPERTY, Coverage, 6.
this Additional Coverage.
Coverage Extensions, i. Personal Property
(0) SECTION U - PROPERTY, B.
in Transit, paragraph (5) is replaced by the
Exclusions, 5. Business Income and
following:
Extra Expense Eoo|ua|mne. paragraph
(5) payment under this Coverage
NQ does not apply to this Additional
Extension is included within the Limit of
Coverage.
Insurance applicable to your Business
(Q) Regardless of the number of lost or
Personal Property
damaged portable electronic devices,
36. Sales Representative Samples
the most we will pay per occurrence
SECTION | - PROPERTY, 5. Additional
including actual |mem of Business
Coverages, y. Sales Representative
Income you sustain and necessary
' paragraph (3) is replaced by the
Extra Expense you incur, is $10^800.
—
following:
(10)Tho amount payable under this
(3) The most we will pay for any loss or
Additional Coverage is additional
damage under this Additional
insurance.
Coverage is $25,000.
33. Precious Metal Theft Payment Changes
37. Temporary Relocation ofProperty
SECTION K - PROPERTY, A. Coverage, 4'
The following is added to SECTION N '
Liooitatiuna, paragraph o' is nup|uoad by
PROPERTY, A. Coverage, 5. Additional
the following:
Coverages:
o. For |uom or damage by ^thaft^. the
Temporary Relocation mfProperty
following types of property are
covered only upbzthe limits shown:
391~1448 08 16 |no|vdan oupy,|ohmu material o, Insurance aomi000 omoo, Inc., with its permission. Page 13 wf17
(1) We will pay for loss of or damage to
below.
Covered Property from a Covered
We will only pay for |ona you
Cause of Loss while N is, away from
sustain after the first 24 hours
the described premises, if D is, being
following the direct physical loss or
stored temporarily at a location you do
damage to the property described
not own, lease or operate while the
above.
described premises ia being renovated
The most we willwillpay 'for loss in
orremode|od '
any one occurrence under this
(2) This applies for 90days after
Additional Coverage is $25,000 at
the property is host moved, but does
each described premises or the
not extend past the date on which this
Limit of [nmunamom shum/m in the
policy expires.
Additional Property Coverage
(3) The most we will pay under this
Schedule.
Additional Coverage is$50.00U.
b. SECTION | - PROPERTY. A. Coverage,
�A The amount payable under this
5' Additional Coverages, bb. Utility
` ' Additional Coverage is additional
Services, paragraph (4)iadeleted.
insurance.
40' Valuable Papers and Records (Other Than
38. Tenant Signs
Electronic Data)
SECTION U - PROPERTY. ACoverage, 5.
SECTION | PROPERTY, ACoverage, 8
Additional Coverages, t. Tenant Signs.
«x*enmge Extensions, eValuable Papers
paragraph (4) is replaced by the following:
and Records her Than Electronic Data),
N0 The most we will pay for loss or
paragraphs /2\amd (3) are replaced by the
damage An any one occurrence is the
following:
Limit of Insurance for Business
(2) The most we will pay under this
Personal Property ahuvvn in the
Coverage Extension for loss or
Declarations.
dame�e to "valuable papers and
39' Utility ��n|oea (including Overhead
recm,s"im any one occurrence at the
described premises is$1O0`U0O '
Transmission Lines)
a. SECTION ~ PROPERTY, ��.Coxeroge
�U �h� most we will pay under this
Coverage �m±�mn��m for imm� �r
5. Additional Coverages, bb. Utility
Services, paragraphs M) and (2) are
damage to "valuable papers and
replaced by the following:
mac~^~~ |n�n��m�omcm'~n~~ not at
the described premises|s $100.000.
(1) We will pay for loss of or damage
41 Worldwide Property Off Premises
'
to Covered Property caused by an
interruption in service to the
The following is added to SECTION U ~
described premises. The
PROPERTY, A. Commomgm 8. Coverage
interruption must result from direct
Extensions:
phvmom| |ouo or damage by a
Worldwide Property Off -Premises
Covered Cause ofLoss to property
not onthe described premises that
(i) You may extend the insurance that
provides the services shown in
applies to your Business Personal
paragroph/3)be|ow.
Property and Personal Property of
`
Others to apply to that property while
The most we will pay for |ooa in
it is temporarily outside the coverage
any one occurrence under this
territory if it is:
Additional Coverage is $25,000md
each described premoises or the
(a) Temporarily at a location you do
Limit of Insurance shown in the
not own, |oaua or operate;
Additional Property Coverage
(b) Temporarily on display or exhibit
Schedule.
at any fair, trade show or
(2) We will pay for the actual ioao of
exhibition;
Business |noumn you sustain and
(o) Samples of your "stock" in trade in
necessary Extra Expense you incur
the custody of your sales
caused by the interruption of
representatives; or
service atthe described premises.
(d) VVh8a "in transit" between the
The Um&mrruuhom must result from
described premises location on
di'uoLphysical loss ordamage by
��oohb�din&\' (b)or` ) above'
o Covered Cause of Loss to
property not on the described
(2) The most we will pay for |oao or
premises that provides the
damage under this Extension is
aen/|oes shVvvo in paragraph (3)
$58.080.
391~1448 08 16 Includes copyrighted material mInsurance Services Office, Inc., with its ponnioskm. Page 14mf17
(3) This Extension provides an additional
amount of insurance.
SECTION 11 - LIABILITY
Paragraphs 2. through 8. emend coverage
provided under SECTION 0 ~ LIABILITY.
1. Additional Insured by Contract, Agreement or
Pannit-Amnendmd
For purposes of the coverage providedbythis
endorsement, Coverage 1. Additional Insured
by Contract, Agreement or Permit,
subparagraph c. (5) of the Business^mwneos
Liability Special Broadening Endorsement is
replaced bythe following:
This provision does not apply to:
(5) All pmuhanniuna| liability as on
architect or engineer arising out of
any construction agreement or
activities under which any insured or
anyone acting on any|nsunad^$ behalf
provides or provided service, advice,
expertise or work.Construction
includes, but is not limited to, the
plan, conception, design, build,
construct, assembly, development,
safety, erection, formation,
reconstruct, rehabilitation, repair, or
any improvement made to real
property. Construction also includes
the hiring, supervision or
management of any of these
activities. However, this exclusion
does not apply to liability arising out
of an insured's presence at a jobsite
that was not caused by professional
activities listed in the above
paragraph.
This exclusion applies even if the
claims against any insured allege
negligence orother wrongdoing in, the
supervision, hiring, employment,
training or monitoring of m4hena by
that insured, ifthe "occwrmmnce" which
caused the "bodily injury" or"property
damage" or the offense which caused
the "personal and advertising injury"
involved professional liability as an
architect or engineer arising out of
any construction agreement or
activities under which any insured or
anyone acting onany insuned`m behalf
provides or provided sen/ioe, advice,
expertise orwork.
2. Additional |nmumy6 by Contract, A8myemnerd or
Parnmit-Prirnaryand Non-contributory
m' The following is added to SECTION Ul| ~
COMMON POLICY CONDITIONS
(APPLICABLE TO SECTION | ~PROPERTY
AND SECTION || ~ LIABILITY), paragraph
H. Other insurance:
Additional Insured - Primary and
Hiinq�Tr
If you agree in a written written
agreement or permit that the insurance
provided to any person or organization
included as an Additional Insured under
SECTION V| - LIABILITY, C. Who is an
Umaured, is primary and non-contributory,
the following applies:
If other valid and collectible insurance is
available to the Additional Insured for a
|000 covered under SECTION 11 -
LIABILITY of this Coverage Part, our
obligations are limited eofollows:
(1) Primary Insurance
This insurance is primary to other
insurance that is available to the
Additional Insured which covers the
Additional Insured as a Named
Insured. We will not seek contribution
from any other insurance available to
the Additional Insured except:
(a) For the sole negligence of the
Additional Insured;
.
(b) When the Additional Insured is an
Additional Insured under another
primary liability policy; or
(c) When b~below applies.
K this insurance is primory, our
obligations are not affected unless any
of the other insurance iu also primary.
Than, we will share with all that other
insurance by the method described in
c below.
(2) Excess Insurance
(a) This insurance is eacmae over any
of the other insunanoe, whether
primary, ex000a, contingent or on
any other basis:
(U That is Fire, Extended
Covenage, Builder's Risk,
Installation Risk or similar
covenaaefor "your mmrk";
(ii) That is Fire insurance for
premises rented to the
Additional Insured or
temporarily occupied by the
Additional Insured with
permission ofthe owner;
(iii)That im insurance purchased by
the Additional Insured to cover
the Additional |nauned'o liability
as a tenant for "property
damage" to premises rented to
the Additional Insured or
temporarily occupied by the
Additional with permission of
the owner; or
(i») If the |nou arises out of the
maintenance or use of aircraft,
391-14480016 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1Smf17
"autos" or watercraft to the
extent not subject to Exclusion
B. Exclusions, 1. Applicable to
Business Liability Coverage.
(v) That is insurance available to
you for your participation in
any past orpresent "unnamed
joint venture".
(w|)That is any insurance you may
have that provides coverage
for your professional services.
(b) When this insurance is excess, we
will have no duty to defend the
insured against any "suit" if any
other insurer has a duty to defend
the insured against that "suit". If
no other insurer defwnda, we will
undertake to do ao, but we will be
entitled to the insunad'a rights
against all those other insurers.
(o) When this insurance is exoaao
over other Insurance, we will pay
only our share of the amount of
the |oaa, if any. that exceeds the
sum of:
00 The total amount that all such
other insurance would pay for
the |oau in the absence of this
insurance; and
(iU The total of all deductible and
self -insured amounts under all
that other insurance.
We will share the remaining loss, if
any, with any other insurance that
is not described in this Excess
Insurance provision and was not
bought specifically to apply in
excess of the Limits of Insurance
shown in the Declarations of this
Coverage Part.
(3) Method ofSharing
If all of the other insurance permits
contribution by equal ahavaa, we will
follow this method also. Under this
approouh, each insurer contributes
equal amounts until it has paid its
applicable limit ofinsurance ornone of
the |oou ramaino, whichever comes
first. If any of the other insurance does
not permit contribution by equal
ahoroe, we will contribute by limits.
Under this method, each insurer's
share is based on the ratio of its
applicable limit of insurance to the
total applicable limits of insurance of
all insurers.
b. For the purposes of coverage provided
under this endorsement, the following
definition is added to SECTION VK -
LIABILITY, F.UabUdy and Medical Expense
1' "Unnamed joint venture" means any
joint venture in which you are u
member nrpartner where:
a. Each and every one of your
co -ventures in that joint venture is
a hair salon.
b. That joint venture ionot.
3. Aggregate Limit of Insurance (Per Project)
a. For purposes of the coverage provided by
this endorsement, the following is added to
SECTION 11 - LIABILITY, D. Liability and
Medical Expenses Limits:
The General Aggregate Limit under D.
Liability and Medical Expenses Umnka of
Insurance applies separately to each of
.,your projects" or each location listed in
the Declarations.
6' For purposes of the coverage provided by
this endorsement, the following definition
is added to SECTION l| - LIABILITY, F.
Liability And Medical Expenses Definitions:
1. "Your project" means:
m. Any premises, site or location at,
on. or in which "your work" is not
yet completed; and
b. Doom not include any location
listed in the Declarations.
4. Damage to Premises Rented TmYou ~Revised
Limit
SECTION U| ~ LIABILITY, D. Liability And
Medical Expenses Limits of Insurance,
paragraph 4.|nreplaced bythe following:
4. The most we will pay under Business
Liability Coverage f or damages because
of"property damage" toany one premises,
while rented to you or while temporarily
occupied by you with permission of the
owner will be the greater of:
b. The Limit ofInsurance for Damage to
Premises Ranted To You shown in the
Declarations.
5. UmitsofInsurance-MedhcaiExpanses
For of the rovded by this
endorsement,_SECTION — LIABILITY, D.
Liability and Medical Limits of
Insurance, paragraph 3. is replaced by the
following:
3. Subject to the Liability and Medical
Expenses Limits Limit, the most we will
pay for all medical expenses b000uma of
"bodily |njur ^ sustained by any one
person ia�10.UUOorthe Medical Expenses
limit shown in the Declarations, whichever
is greater.
391~144808 16 mdvuoo copyrighted material o(Insurance Services Office, Inc., with its ponniao|un. pmgo 16 mf17
6. Newly Acquired prFormed Organizations
SECTION X| - LIABILITY, C. Who is An
Insured, paragraph 3. a. is nup|uoed by the
following:
a. Coverage under this provision is afforded
only until the 180m day after you acquire
or form the organization or the end of the
policy period, whichever inearlier.
7. NonmwnadVQabarcraft
SECTION UU ' LIABILITY, B. ExcXuaionm, 1.
Applicable to Business Liability
Aircraft, Auto or Watercraft, (2) Aircraft (Other
Than Unmanned Aircraft), paragraph (b) is
replaced bythe following:
(b) Awatercraft you do not own that is:
(U Less than y5feet long; and
(ii) Not being used to carry persons or
property for acharge.
8, Who hmmnInsured -Unnamed Joint Venture
a. For purposes of the coverage provided by
this endorsement, the final paragraph of
SECTION |K ~ LIABILITY, C. Who Is An
Insured ioreplaced bythe following:
Unnamed Joint Venture
No person or organization iouninsured
with respect tothe conduct ufany current
or past partnership, joint venture or
limited liability company that is not
shown as a Named Insured in the
Declarations. However, this does not
apply to you, for your participation in any
past or present "unnamed joint venture",
or if that person or organization in
4 H§ngy�!r
otherwise an additional insured under
Additional Insureds - Unnamed Joint
Venture below.
b. For purposes of the coverage provided by
this endorsement, the following in added to
SECTION N ~ LIABILITY, C. Who is an
Insured:
Additional Insureds - Unnamed Joint
Venture:
You, as an insured for yourpartic|paUon in
any past of, present "unnamed joint
venture". However, you are not an insured
ifthe "unnamed joint venture" has:
(1) Direct employees; or
(2) Owno, rents, or |oonao any real or
personal property.
No other member or partnar, or their
mpouaaa, of any past or present "unnamed
joint venture" is an insured.
o. For purposes of the coverage provided by
this endorsement, the following definition is
added to SECTION UU - LIABILITY, F.
Liability And Medical Expenses Definitions:
1. "Unnamed joint venture" means any
joint venture in which you are a
member orpartner where:
a. Each and every one of your
co -ventures in that joint venture is
an architectural, engineering or
surveying firm; and
b. That joint venture is not named in
the Declarations.
ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED.
3914448 08 16 Includes oopynomoo material of Insurance Gem|mm offioo Inc., with its permission. Page 17 of17
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
BUSINESSOWNERS LIABILITY SPECIAL BROADENING ENDORSEMENT
This endorsement modifies insurance provided under the following:
BUSINESSOWNERS COVERAGE FORM
__.._...... .... _w
SUMMARY OF COVERAGES
..... ......
Limits
-.........
Page
1. Additional Insured b Contract, _... P.....
yAgreement or Permit
......-� Included
�
WW -Broad Farm Vendors
2. Additional Ins.._..�ured ..r
Included
2
............... _mW
3. Alienated Premises
__.........WW
Included
3
Broad For _... __�e-. _........_..._..
m Property Damage -Borrowed Equipment, Customers
Included
3
Goods and Use of Elevators
5. Incidental Malpractice (Employed Nurses, EMT's and Paramedics)
Included
3
6. Personal and Advertising Injury - Broad Form
Included
4
Recall Expen_ vv. W_..m...._...__ _...._... _.
7. Product se _._.....
Inclu._.-
ded
_.m...4 .
4
__ _wwv.... _W.._,... �__.. _.......
Product Recall Expense Each Occurrence Limit
$25,000
w...... .........
5
Occurrence
Product w.....��� ®®®..__w_.. .®_WW.......
Recall Expense Aggregate Limit
._.........�
$50,000
5
Aggregate
._��µ�.�__......,m�
__.........�
ble
ProductWDeductible
$500
5
8. Unintentional Failure tomDisclose Hazards-......_....mM
Incfuded
6
9. Unintentional Failure to Notify
Included
6
This endorsement amends coverages provided under the Businessowners
Coverage Form
through new
coverages and broader coverage grants. This coverage is subject to
the provisions applicable
to the
Businessowners Coverage Form„ except as provided below.
The following changes are made to SECTION li -
LIABILITY:
1. Additional Insured by Contract, Agreement or
Permit
The following is added to SECTION II -
LIABILITY„, C. Who Is An Insured:
Additional Insured by Contract, Agreement or
Permit
a. Any person or organization with whom you
agreed iin a written contract„ written
agreement or permit to add such person or
organization as an additional insured on
your policy is an additional insured 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 acts
or omissions of those acting on your behalf„
but only with respect to:
(1) "Your work" for the additional insured(s)
designated in the contract, agreement or
permit;
(2) Premises you own, rent, lease or
occupy; or
(3) Your maintenance, operation or use of
equipment leased to you..
b. The insurance afforded to such additional
insured described above:
(1) Only applies to the extent permitted by
law; and
(2) Will not be broader than the insurance
which you are required by the contract,
agreement or permit to provide for such
additional insured.
(3) Applies on a primary basis if that is
required by the written contract, written
agreement or permit.
(4) Will not be broader than coverage
provided to any other insured.
(5) Does not apply if the "bodily, injury"",
"property damage" or "personal and
advertising injury" is otherwise excluded
from coverage under this Coverage Part„
including any endorsements thereto.
391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 1 of 6
c. This provision does not apply:
(1) Unless the written contract or written
agreement was executed or permit was
issued prior to the "bodily injury",
"property damage", or "personal injury
and advertising injury".
(2) To any person or organization included
as an insured by another endorsement
issued by us and made part of this
Coverage Part.
(3) Toany lessor ofequipment:
(a) After the equipment lease expires; or
(b) If the "bodily injury", "property
damage " "personal and advertising
injury" arises out of sole negligence
ofthe lessor.
(a) Owners orother interests from whom a.
land has been leased if the
"occurrence" bakes place or the
offense is committed after the lease
for the land expires; or
(b) Managers urlessors ufpremises if:
0 The "occurrence" takes place or
the offense is committed after
you cease to be a &*nmn1 in that
premises; or
(ii) The "bodily injury", "property
damage", "personal injury" or
"advertising injury" arises out of
structural alterations, new
construction or demolition
operations peMbnnad by or on
behalf ofthe manager orlessor.
(5) To "bodily injury",or
l"personal and omwermm/ng injury" arising
out of the rendering of or the failure to
render any professional services.
This exclusion applies even ifthe claims
against insured allege negligence or
other
wrongdoing in the supervision,
hiring, employment, training or
monitoring of others by that insured, if
the "oncurrence" which caused the
'bodily injury" or "property damage" or
the offense which caused the "personal
and advertising injury" involved the
rendering of or failure to render any
professional services 6yorfor you.
dL With respect to the insurance afforded to
Uhaoo additional insureds, the following is
added to SECTION K| - LIABILITY, D. Liability
and Medical Expense Limits mfInsurance:
4 »~
Hanover
Insurance Group..
The most we will pay on behalf of the
additional insured for a covered claim is the
lesser ofthe amount cfinsurance:
1. Required by the contract, agreement or
permit described in Paragraph a.; or
2' Available under the applicable Limits of
Insurance shown inthe Declarations.
This endorsement shall not inonmmue the
applicable Limits of Insurance shown in the
Declarations
e. All other insuring agneenmemto, exclusions,
and conditions ofthe policy apply.
2' Additional Insured - Broad Form Vendors
The following is added to SECTION UU -
LIABILITY, C.Who |sAn Insured:
Additional Insured - Broad Form Vendors
Any person or organization that is a mmndm,
with whom you agreed in a written contract
or written agreement to include as an
additional insured under this Coverage Part
is an insured, but only with respect to liability
for "'bodily injury" or "property damage"
arising��in� out of "your products" which are
distributed or muid in the regular course of
the vendor's business.
b. The insurance afforded to such vendor
described above:
(1) Only applies to the extent permitted by
law;
(2) Will not be broader than the insurance
vwh|oM you are required bythe contract or
agoaenmenttoprovide for such vendor;
(3) Will not be broader than coverage
provided toany other insured; and
(4) Dnmm not apply if the "bodily injury~,
"property damage" or "personal and
advertising injury"' is otherwise excluded
from coverage under this Coverage Pad'
including any endorsements thereto
c. With respect to insurance afforded to such
vendons, the following additional exclusions
apply:
The insurance afforded to the vendor does
not apply to:
(1) "Bodily injury" or "property damage"' for
which the vendor is obligated to pay
damages by reasons of the assumption of
liability in a contract or agreement. This
exclusion does not apply to liability for
darnages that the insured would have in
the absence of the contract or
agreement;
(2) Any express warranty unauthorized by
39148060816 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission, Page 2of6
(3) Any physical or chemical change in the
product made intentionally by the
Repackaging, unless unpacked so,lely for
the purpose of inspection,
demonstration, testing, or the
substitution of parts under instruction
from the manufacturer, and then
(4) repackaged in the original container;
(5) Any failure to make such inspection,
adjustments, tests or sen/icinQ as the
vendor has agreed tomake or normally
undertakes tomake inthe usual course
of business in connection with the sale
ofthe product;
(6) Demonstration, |nshm||ad#m^ servicing or
repair operations, except such
operations performed at the vendor's
premises in connection with the sale of
the product;
(?) Products which, after distribution or sale
by you, have been labeled or relabeled
or used as a container, part or
ingredient of any other thing or
substance byorfor the vendor;
(8) "Bodily injury" or "property damage"
arising out cfthe sole negligence m0the
vendor for its own acts or omissions or
those of its employees or anyone m/oe
acting on its behalf. However, this
exclusion does not apply to:
(a) The exceptions contained within the
exclusion in subparagraphs (4)or(6)
abovo;ur
(b) Such, inspections, adjustments, teats
or eenxc/nA as the vendor has
agreed to make or normally
undertakes to make in the usual
course of business' in connection
with the distribution or ao|e of the
products.
($) "Bodily injury" or "property damnago"
arising out ofan "occurrence" that took
place before you have signed the
contract oragreement with the vendor.
(1O)Toany person or organization included
as an insured by another endorsement
i000md by us and made part of this
Coverage Part.
(11)Any insured person or organization,
from whom you have acquired such
products, or any ingredient, part or
container, entering into, accompanying
or containing such products.
The most we will pay on behalf of the vendor
for a covered claim is the |aomer of the
amount ofinsurance:
1. Required by the contract or agreement
described inParagraph a,:or
2. Available under the applicable Limits of
Insurance shown inthe Ooo|anobone�
.
This endorsement shall not increase the
applicableLimits of Insurance shown in the
3. Alienated Premises
SECTION t
Applicable To Business Liability k.
Damage hoProperty, paragraph (2)is replaced by
the following:
(2) Premises you sell, give away or abandon, if
the ~property damage" arises out mfany part
of those pnenmisemand occurred from hazards
that were known by you, or should have
reasonably been known by you, at the time
the property was transferred orabandoned.
4. Broad Form Property Damage ~ Borrowed
Equipment, Customers Goods, Use mfElevators
a' The following is added to SECTION 11 ~
LIABILITY, B. Exclusions, 1. Applicable To
Business Liability Coverage, k. Damage to
Property:
Paragraph A* does not apply t"property
damage" to borrowed equipment vvh||e at a
'mbs|ta and not being used to perform
operations.
Paragraph (3), (4) and (6) do not apply to
"property damage" to "customers goods"
vvh|Ve on your premises nor to the use of
elevators.
b. For the purposes of this mndoraement, the
hmHowv|mg definition is added to SECTION V) ~
LIABILITY, F. Liability and Medical Expenses
Definitions:
1. "Customers goods" means property of
your customer on your promises for the
purpose ufbeing:
e. Worked on; or
b. Used inyour manufacturing process.
c. The insurance afforded under this provision is
excess over any other valid and collectible
property insurance (including deductible)
available to the insured whether primary,
excess, contingent oronany other basis.
5. Incidental Malpractice - Employed Nurses, EMT's
and Paramedics
d. With respecto � h insurance afforded to �E�SECTIONU~ LIABILITY, C.Who |mAnInsured,
these vendors, the following is added to paragraph 2�.(1)(d) duoe not apply to anurae'
SECTION U LIABILITY, D. Liability and
Medical Expense Limits ofInsurance:
39140060816 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 3uf8
ni
nqyRr
-- 0B3 D828307 1001O�51
emergency medical technician or paramedic
o. Recall of Products, Work or Impaired
employed by you if you are not engaged in the
Property is replaced bythe following:
business or occupation of providing medical,
m' Recall of Products, Work or Impaired
paramedical, surgical, dental, x-ray or mwno(mg
Property
services.
6. �ar�mnm��r�u�y~�rmmd�n�m
Ommagea claimed for any loss,cost or
incurred by you or others for
expense i
a. SECTION DY ~ LIABILITY, B. Exclusions, 3'
the |oao Of use, withdrawal, recall,
Additional Exclusions Applicable only to
inepeotion, repair, replacement,
"Personal and Advertising Injury", paragraph
ad]ustmmnt, removal ordisposal of:
e ' is deleted.
(1) "Your product";
b. ���'="1\ - LIABILITY, F. Liability and
"Personal
(2) "Your work"; or
Medical Expenses Definitions, 14
and advertising injury"' paragraph b. is
(3) "Impaired property";
rap|ooad bythe following:
If such product, work or pnmpetly is
b. Malicious prosecution or abuse of
withdrawn or recalled from the market or
process.
from use by any person or organization
c. The following is added to SECTION UU -
because ofu known or suspected defect,
deficiency, inadequacy or dangerous
LIABILITY, F. Liability and Medical Expenses
condition in it, but this exclusion does
Definitions, Definition 14^ "Personal and
not apply to 'product recall ex4omoea'
advertising injury":
that you incur for the "covered recall" of
"'Discrimination" (unless insurance thereof'.your
product".
prohibited by .a," results in injury"to the
Hovwsver, the exception to the exclusion
feelings or reputation of a natural penmon,
°dimcr|nn|nmi|mn"is:
does not ~'r�
] to "product recallbut
only ifsuch
expenses" resulting from:
(1) Not done intentionally by or at the
(4) Failure ofany products huaccomplish
direction of:
their intended purpose;
(e) The insured;
(5) Breach of warranties of fitness,
(b) Any officer of the oorporatiun,
quality, durability orperformance;
director, stockholder, partner or
(6) Loma of customer approval,or any
member ofthe inmunadand
'
cost incurred to regain customer
(2) Not directly or indirectly related to an
approval;
"employee", not to the employment,
(7) Redistribution or replacemnent of
prospective employment or termination
"your product" which has been
of any person orpersons byaninsured.
recalled by like products or
d. For purposes of this endorsement, the
substitutes;
definition
followingis added to ����K(�N UU '
(8) Capriueorwhim ofthe inauned'
'
LIABILITY, F. Liability and Medical Expenses
Definitions:
(Q) A comdlitiom ||hOy to cause |oey of
i^ "Discrimination" means the unlawful
which any insured knew or had
to know at the inception of
treatment of individuals based upon race,mmamom
this '
oo|or, ethnic origin, gendor, religion, age.
or sexual preference. "Discrimination"
(10)Ambestum. including k)ss, damage or
does not include the unlawful treatment
clean up resulting from aebe$bme or
ofindividuals based upon developmental,
asbestos containing materials; or
physical, oognitive, menta|, sensory or
(11)ReuaU of "your products" that have
emotional impairment or any
no known or suspected defect solely
combination ofthese.
because a known or suspected
e. This coverage does not apply if liability
defect in another of ^yourpnoducts'
coverage, for "personal and advertising
has been found.
injury" ieexcluded either bythe provisions of
b. The following is added to SECTION |] -
the Coverage Form or any endorsement
LIABILITY, C'Whm Is An Insured, paragraph
thereto.
3'b.:
7. Product Recall Expense
''pn»duot recall oxponue" arising out of any
a' SECTION 11 ~ LIABILITY, B. Exclusions, 1
vvithdrovvo| or rooa|| that occurred before you
Applicable To Business Liability Coverage,
acquired orformed the organization.
3914006 0818 Includes copyrighted materials of Insurance
Services Offices, Inc., with its permission, Page 4of0
c The following is added to SECTION UK -
LIABILITY, Liability and Medical Expenses
Limits of Insurance:
Product Recall Expense Limits ofInsurance
a' The Limits of Insurance shown in the
SUMMARY OF COVERAGES of this
endorsement and the rules stated below
fix the most that we will pay under this
Product Recall Expense Coverage
regardless ufthe number of:
(1) Insureds;
(2) "Covered Recalls" initiated; ur
(3) Number of "your products"
withdrawn.
b. The Product F<noa|| Expense Aggregate d '
Limit is the most that we will reimburse
you for the smnn of all "product mmco||
expenses" incurred for all "covered
recalls" initiated during the policy period,
c. The Product Recall Each Occurrence
Limit is the most we will pay in
connection with any one defect or
deficiency.
d' All "product naoaUexpenses" in
connection with substantially the same
ganera:l harmful condition will be
deemed to arise out of the same defect
or deficiency and considered one
,.occurrence".
e. Any amount reimbursed for "product
raoeU expenses" in connection with any
one "000urrenuo"will reduce the amount
of the Product Raoa|| Expense Aggregate
Limit available for reimbursement of
'.product naca[| expenses" in connection
with any other defect ordeficiency.
t If the Product Raoa|| Expense Aggregate
Limit has been reduced by
reimbursement of "product roou||
expenses" to an amount that ia less than
the Product Recall Expense Each
Ooournnnoa Limit, the remaining
Aggregate Limit is the most that will be
available for reimbursement of "product
raoo|| expenses" in connection with any
other defect or deficiency.
g' Product Recall Deductible
We will only pay for the amount of
"product recall exenses'. which are in
excess of 1he g500 Product Raoe||
Deductible. The Product Recall
Deductible applies separately to each
"covered reom||''. The limits of insurance
will not be reduced by the amount ofthis
deductible.
We may. or will |frequired by law, pay all
or any part mfany deductible amount, if
applicable. Upon notice, of our payment
of e deductible amount, you shall
promptly reimburse uofor the part cfthe
deductible amount wepaid.
The Product Recall Limits of
Insurance apply separately to each
consecutive annual period and to any
remaining period of >eom than 12 months,
starting with the beginning of the policy
period shown in the Declarations, unless the
policy period is extended after issuance for
an additional period of less than 12 months.
In that case, the additional period will be
deemed part ofthe last preceding period for
the purposes of determining the Limits of
Insurance.
The fV|{ovvimg is added to SECTION UU ~
LIABILITY, E. Liability and Medical Expense
General Conditions, 2. Duties in the Event of
Occurrence, Offense, Claim orSuit:
You must ooa to it that the following are
done in the event ofan actual or anticipated
"covered raou||" that may result in "product
recall expense":
(1) Give us prompt noticeof any discovery
or notification that "your product" must
be withdrawn or recalled. Include a
description of "your product" and the
reason for the withdrawal or recall;
(2) Cease any further na|eaue, shipment,
consignment or any other method of
distribution of like or similar products
until it has been determined that all
such products are free from defects that
could be o cause of |oae under this
insurance.
e. For the purposs of this endorsement, the
following definitions are added to SECTION
|| ' LIABILITY, F. Liability and Medical
Expenses Definitions:
t "Covered n*maU" means a recall made
necessary because you ormgovernment
body has determined that a known or
suspected defect, deficiency,
inadequacy, o, dangerous condition in
"your product" has nmso|(ed or will result
in "bodily injury" or"property darnag*~.
2. "Product recall axpenom(u)"means:
o. Necessary and reasonable expenses
for:
(1) Communioaiiony, including radio
or television announcements or
printed advertisements including
etadonary, envelopes and
39140060816 Includes copyrighted materials ofInsurance Services Offices, |nc..with its permission. Page 5mf 6
f.
(2) Shipping the recalled products
from any purchaser, distributor or
user to the place or places
designated by you;
(3) Remuneration pain to your
regular ..employees" for
necessary overtime;
(4) Hiring additional persons, other
than your regular "employees";
(5) Expenses incurred by "employees"
including transportation and
accommodations;
Wive
Insurance Group-
OB3 D820387 1001051
(1) If the "products - completed operations
hazard" is excluded from coverage under
this Coverage Part including any
endorsement thereto; or
(2) To "product recall expense" arising out of
any of "your products" that are otherwise
excluded from coverage under this
Coverage Part including endorsements
thereto.
8. Unintentional Failure to Disclose Hazards
(6) Expenses to rent additional
warehouse or storage space;
(7) Disposal of "your product", but
only to the extent that specific
methods of destruction other than
those employed for trash
discarding or disposal are 9,
required to avoid "bodily injury"
or "property damage" as a result
of such disposal,
you incur exclusively for the purpose
of recalling "your product"; and
b. Your lost profit resulting from such
"covered recall".
This Product Recall Expense Coverage does
not apply:
The following is added to SECTION II -
LIABILITY, E. Liability and Medical Expenses
General Conditions:
Representations
We will not disclaim coverage under this
Coverage Part if you fail to disclose all hazards
existing as of the inception date of the policy
provided such failure is not intentional.
Unintentional Failure to Notify
The following is added to SECTION II -
LIA'BILITY, E. Liability and Medical Expenses
General Conditions, 2. Duties in the Event of
Occurrence, Offense, Claim or Suit:
Your rights affordedunder this Coverage Part
shall not be prejudiced if you fail to give us
notice of an "occurrence", offense, claim or "suit",
solely due to your reasonable and documented
belief that the "bodily injury", "property damage"
or "personal and advertising injury" is not
covered under this Policy.
ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED.
391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 6 of 6
WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY
WC 04 03 06
(Ed. 04-84)
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 2% of the California workers' compensation premium otherwise due on such
remuneration.
Schedule
Person or Organization Job Description
Any person or organization as required by written contract.
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 8/21/2021 Policy No. SWC1349090 Endorsement No. 0
Insured RHA Landscape Architects -Planners, Inc. Premium $ 4,412
Insurance Company Security National Insurance Company
Countersigned by
WC 04 03 06
(Ed. 04-84)