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PROOF OF INSURANCE (2022) CLOSED
CALICON-12AMEDINA DATE (MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 10/26/2021 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). CONTACT Fatima Gomez PRODUCER NAME: PHONEFAX Inszone Insurance Services, LLC (562) 461-8008(562) 461-8012 (A/C, No, Ext):(A/C, No): 2721 Citrus Road, Suite A E-MAIL fgomez@inszoneins.com Rancho Cordova, CA 95742 ADDRESS: INSURER(S) AFFORDING COVERAGENAIC # Sentinel Insurance Company11000 INSURER A : INSURED California Automobile Insurance Co38342 INSURER B : United States Liability Ins Co25895 INSURER C : California Consulting, Inc. 214 Main St Ste 102 INSURER D : El Segundo, CA 90245 INSURER E : INSURER F : COVERAGESCERTIFICATE 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. INSRADDLSUBRPOLICY EFFPOLICY EXP TYPE OF INSURANCEPOLICY NUMBERLIMITS LTRINSDWVD(MM/DD/YYYY)(MM/DD/YYYY) 2,000,000 A COMMERCIAL GENERAL LIABILITY X EACH OCCURRENCE$ DAMAGE TO RENTED 1,000,000 CLAIMS-MADEOCCUR X 57SBAAM80699/22/20219/22/2022 $ PREMISES (Ea occurrence) XX 10,000 MED EXP (Any one person)$ 2,000,000 PERSONAL & ADV INJURY$ 4,000,000 GEN'L AGGREGATE LIMIT APPLIES PER:GENERAL AGGREGATE$ PRO- 4,000,000 X POLICYLOC PRODUCTS - COMP/OP AGG$ JECT OTHER:$ COMBINED SINGLE LIMIT 1,000,000 B AUTOMOBILE LIABILITY $ (Ea accident) ANY AUTO BA0400000621899/30/20219/30/2022 BODILY INJURY (Per person)$ OWNEDSCHEDULED X AUTOS ONLYAUTOSBODILY INJURY (Per accident)$ PROPERTY DAMAGE HIREDNON-OWNED (Per accident)$ AUTOS ONLYAUTOS ONLY $ UMBRELLA LIABOCCUR EACH OCCURRENCE$ EXCESS LIABCLAIMS-MADE AGGREGATE$ DEDRETENTION$ $ PEROTH- WORKERS COMPENSATION STATUTEER AND EMPLOYERS' LIABILITY Y / N ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT$ N / A OFFICER/MEMBER EXCLUDED? (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE$ If yes, describe under DESCRIPTION OF OPERATIONS belowE.L. DISEASE - POLICY LIMIT$ Professional Liab.SP 1560852F9/16/20219/16/2022Aggregate/Occurrence 2,000,000 C Professional Liab.SP 1560852F9/16/20219/16/2022 Deductible5,000 C DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) City of El Segundo | Finance Department, its officials, and employees are included as Additional Insured in regards to General Liability as per written contract. Primary and Non-Contributory applies. Waiver of Subrogation applies to General Liability. Should the above described policy be cancelled before the expiration date, notice will be delivered in accordance with the policy provisions. CERTIFICATE HOLDERCANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of El Segundo | Finance Department ACCORDANCE WITH THE POLICY PROVISIONS. 350 Main Street El 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 BUSINESSLIABILITYCOVERAGEFORM FormSS00080405 ©2005,TheHartford QUICKREFERENCE BUSINESSLIABILITYCOVERAGEFORM READYOURPOLICYCAREFULLY BUSINESSLIABILITYCOVERAGEFORM BeginningonPage A.COVERAGES 1 1 BusinessLiability 2 MedicalExpenses 2 CoverageExtension-SupplementaryPayments B.EXCLUSIONS 3 C.WHOISANINSURED 10 D.LIABILITYANDMEDICALEXPENSES LIMITSOFINSURANCE 14 E.LIABILITYANDMEDICALEXPENSESGENERALCONDITIONS 15 1.15 Bankruptcy 2.15 DutiesInTheEventOfOccurrence,Offense,ClaimOrSuit 3.16 FinancialResponsibilityLaws 4.16 LegalActionAgainstUs 5.16 SeparationOfInsureds 6.16 Representations 7.16 OtherInsurance 8.17 TransferOfRightsOfRecoveryAgainstOthersToUs F.OPTIONALADDITIONALINSUREDCOVERAGES 18 18 AdditionalInsureds G.LIABILITYANDMEDICALEXPENSESDEFINITIONS 20 FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM Variousprovisionsinthispolicyrestrictcoverage.Readtheentirepolicycarefullytodeterminerights,dutiesandwhat isandisnotcovered. Throughoutthispolicythewords"you"and"your"refertotheNamedInsuredshownintheDeclarations.Thewords "we","us"and"our"refertothestockinsurancecompanymemberofTheHartfordprovidingthisinsurance. C Theword"insured"meansanypersonororganizationqualifyingassuchunderSection.-WhoIsAnInsured. G Otherwordsandphrasesthatappearinquotationmarkshavespecialmeaning.RefertoSection.-LiabilityAnd MedicalExpensesDefinitions. (a) The"bodilyinjury"or"property A.COVERAGES damage"iscausedbyan 1.BUSINESSLIABILITYCOVERAGE(BODILY "occurrence"thattakesplaceinthe INJURY,PROPERTYDAMAGE,PERSONAL "coverageterritory"; ANDADVERTISINGINJURY) (b) The"bodilyinjury"or"property InsuringAgreement damage"occursduringthepolicy a. Wewillpaythosesumsthattheinsured period;and becomeslegallyobligatedtopayas (c) Priortothepolicyperiod,noinsured damagesbecauseof"bodilyinjury", 1. listedunderParagraphofSection "propertydamage"or"personaland C. ÎWhoIsAnInsuredandno advertisinginjury"towhichthisinsurance "employee"authorizedbyyoutogive applies.Wewillhavetherightanddutyto orreceivenoticeofan"occurrence" defendtheinsuredagainstany"suit" orclaim,knewthatthe"bodilyinjury" seekingthosedamages.However,wewill or"propertydamage"hadoccurred, havenodutytodefendtheinsuredagainst inwholeorinpart.Ifsuchalisted any"suit"seekingdamagesfor"bodily insuredorauthorized"employee" injury","propertydamage"or"personaland knew,priortothepolicyperiod,that advertisinginjury"towhichthisinsurance the"bodilyinjury"or"property doesnotapply. damage"occurred,thenany Wemay,atourdiscretion,investigateany continuation,changeorresumption "occurrence"oroffenseandsettleanyclaim ofsuch"bodilyinjury"or"property or"suit"thatmayresult.But: damage"duringorafterthepolicy periodwillbedeemedtohavebeen (1) Theamountwewillpayfordamagesis knownpriortothepolicyperiod. D. limitedasdescribedinSection- (2) To"personalandadvertisinginjury" LiabilityAndMedicalExpensesLimits causedbyanoffensearisingoutofyour OfInsurance;and business,butonlyiftheoffensewas (2) Ourrightanddutytodefendendswhen committedinthe"coverageterritory" wehaveuseduptheapplicablelimitof duringthepolicyperiod. insuranceinthepaymentofjudgments, c. "Bodilyinjury"or"propertydamage"willbe settlementsormedicalexpensestowhich deemedtohavebeenknowntohave thisinsuranceapplies. occurredattheearliesttimewhenany Nootherobligationorliabilitytopaysumsor 1. insuredlistedunderParagraphofSection performactsorservicesiscoveredunless C. ÎWhoIsAnInsuredorany"employee" explicitlyprovidedforunderCoverage authorizedbyyoutogiveorreceivenotice Extension-SupplementaryPayments. ofan"occurrence"orclaim: b. Thisinsuranceapplies: (1) Reportsall,oranypart,ofthe"bodily (1) To"bodilyinjury"and"property injury"or"propertydamage"tousor damage"onlyif: anyotherinsurer; FormSS00080405Page1of24 ©2005,TheHartford BUSINESSLIABILITYCOVERAGEFORM (2)b. ReceivesawrittenorverbaldemandorWewillmakethesepaymentsregardlessof claimfordamagesbecauseofthe"bodilyfault.Thesepaymentswillnotexceedthe injury"or"propertydamage";orapplicablelimitofinsurance.Wewillpay reasonableexpensesfor: (3) Becomesawarebyanyothermeansthat (1) "bodilyinjury"or"propertydamage"hasFirstaidadministeredatthetimeofan occurredorhasbeguntooccur.accident; d.(2) Damagesbecauseof"bodilyinjury"includeNecessarymedical,surgical,x-rayand damagesclaimedbyanypersonordentalservices,includingprosthetic organizationforcare,lossofservicesordevices;and deathresultingatanytimefromthe"bodily (3) Necessaryambulance,hospital, injury". professionalnursingandfuneral e.IncidentalMedicalMalpractice services. (1) "Bodilyinjury"arisingoutofthe 3.COVERAGEEXTENSION- renderingoforfailuretorender SUPPLEMENTARYPAYMENTS professionalhealthcareservicesasa a. Wewillpay,withrespecttoanyclaimor physician,dentist,nurse,emergency "suit"weinvestigateorsettle,orany"suit" medicaltechnicianorparamedicshall againstaninsuredwedefend: bedeemedtobecausedbyan (1) Allexpensesweincur. "occurrence",butonlyif: (2) Upto$1,000forthecostofbailbonds (a) Thephysician,dentist,nurse, requiredbecauseofaccidentsortraffic emergencymedicaltechnicianor lawviolationsarisingoutoftheuseof paramedicisemployedbyyouto anyvehicletowhichBusinessLiability providesuchservices;and Coveragefor"bodilyinjury"applies.We (b) Youarenotengagedinthe donothavetofurnishthesebonds. businessoroccupationofproviding (3) Thecostofappealbondsorbondsto suchservices. releaseattachments,butonlyforbond (2) Forthepurposeofdeterminingthe amountswithintheapplicablelimitof limitsofinsuranceforincidentalmedical insurance.Wedonothavetofurnish malpractice,anyactoromission thesebonds. togetherwithallrelatedactsor (4) Allreasonableexpensesincurredbythe omissionsinthefurnishingofthese insuredatourrequesttoassistusinthe servicestoanyonepersonwillbe investigationordefenseoftheclaimor consideredone"occurrence". "suit",includingactuallossofearnings 2.MEDICALEXPENSES upto$500adaybecauseoftimeoff InsuringAgreement fromwork. a. Wewillpaymedicalexpensesasdescribed (5) Allcoststaxedagainsttheinsuredin belowfor"bodilyinjury"causedbyan the"suit". accident: (6) Prejudgmentinterestawardedagainst (1) Onpremisesyouownorrent; theinsuredonthatpartofthejudgment wepay.Ifwemakeanoffertopaythe (2) Onwaysnexttopremisesyouownor applicablelimitofinsurance,wewillnot rent;or payanyprejudgmentinterestbasedon (3) Becauseofyouroperations; thatperiodoftimeaftertheoffer. providedthat: (7) Allinterestonthefullamountofany (1) Theaccidenttakesplaceinthe judgmentthataccruesafterentryofthe "coverageterritory"andduringthe judgmentandbeforewehavepaid, policyperiod; offeredtopay,ordepositedincourtthe partofthejudgmentthatiswithinthe (2) Theexpensesareincurredandreported applicablelimitofinsurance. touswithinthreeyearsofthedateof theaccident;and (1)(7) Anyamountspaidunderthrough abovewillnotreducethelimitsofinsurance. (3) Theinjuredpersonsubmitsto examination,atourexpense,by physiciansofourchoiceasoftenaswe reasonablyrequire. Page2of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM b. Ifwedefendaninsuredagainsta"suit"Solongastheaboveconditionsaremet, andanindemniteeoftheinsuredisalsoattorneys'feesincurredbyusinthe namedasapartytothe"suit",wewilldefenseofthatindemnitee,necessary defendthatindemniteeifallofthelitigationexpensesincurredbyusand followingconditionsaremet:necessarylitigationexpensesincurred bytheindemniteeatourrequestwillbe (1) The"suit"againsttheindemnitee paidasSupplementaryPayments. seeksdamagesforwhichtheinsured hasassumedtheliabilityoftheNotwithstandingtheprovisionsof 1.b.(b)B. indemniteeinacontractoragreementParagraphofSectionÎ thatisan"insuredcontract";Exclusions,suchpaymentswillnotbe deemedtobedamagesfor"bodily (2) Thisinsuranceappliestosuchliability injury"and"propertydamage"andwill assumedbytheinsured; notreducetheLimitsofInsurance. (3) Theobligationtodefend,orthecostof Ourobligationtodefendaninsured's thedefenseof,thatindemnitee,has indemniteeandtopayforattorneys'fees alsobeenassumedbytheinsuredin andnecessarylitigationexpensesas thesame"insuredcontract"; SupplementaryPaymentsendswhen: (4) Theallegationsinthe"suit"andthe (1) Wehaveuseduptheapplicablelimit informationweknowaboutthe ofinsuranceinthepaymentof "occurrence"aresuchthatnoconflict judgmentsorsettlements;or appearstoexistbetweentheinterests (2) oftheinsuredandtheinterestoftheTheconditionssetforthabove,orthe indemnitee;termsoftheagreementdescribedin (6) Paragraphabove,arenolongermet. (5) Theindemniteeandtheinsuredask ustoconductandcontrolthedefense B.EXCLUSIONS ofthatindemniteeagainstsuch"suit" 1.ApplicableToBusinessLiabilityCoverage andagreethatwecanassignthe Thisinsurancedoesnotapplyto: samecounseltodefendtheinsured andtheindemnitee;and a.ExpectedOrIntendedInjury (6) Theindemnitee: (1) "Bodilyinjury"or"propertydamage" expectedorintendedfromthe (a) Agreesinwritingto: standpointoftheinsured.This (i) Cooperatewithusinthe exclusiondoesnotapplyto"bodily investigation,settlementor injury"or"propertydamage"resulting defenseofthe"suit"; fromtheuseofreasonableforceto (ii) Immediatelysenduscopiesof protectpersonsorproperty;or anydemands,notices, (2) "Personalandadvertisinginjury"arising summonsesorlegalpapers outofanoffensecommittedby,atthe receivedinconnectionwith directionoforwiththeconsentor the"suit"; acquiescenceoftheinsuredwiththe (iii) Notifyanyotherinsurerwhose expectationofinflicting"personaland coverageisavailabletothe advertisinginjury". indemnitee;and b.ContractualLiability (iv) Cooperatewithuswith (1) "Bodilyinjury"or"propertydamage";or respecttocoordinatingother (2) "Personalandadvertisinginjury" applicableinsuranceavailable totheindemnitee;and forwhichtheinsuredisobligatedtopay damagesbyreasonoftheassumptionof (b) Providesuswithwritten liabilityinacontractoragreement. authorizationto: Thisexclusiondoesnotapplytoliability (i) Obtainrecordsandother fordamagesbecauseof: informationrelatedtothe "suit";and (a) "Bodilyinjury","propertydamage"or "personalandadvertisinginjury"that (ii) Conductandcontrolthe theinsuredwouldhaveinthe defenseoftheindemniteein absenceofthecontractor such"suit". agreement;or FormSS00080405Page3of24 BUSINESSLIABILITYCOVERAGEFORM (b)(b) "Bodilyinjury"or"propertydamage"Performingdutiesrelatedtothe assumedinacontractoragreementconductoftheinsuredÓsbusiness,or thatisan"insuredcontract", (2) Thespouse,child,parent,brotheror providedthe"bodilyinjury"or sisterofthat"employee"asa "propertydamage"occurs (1) consequenceofabove. subsequenttotheexecutionofthe Thisexclusionapplies: contractoragreement.Solelyfor (1) Whethertheinsuredmaybeliableas thepurposeofliabilityassumedin anemployerorinanyothercapacity; an"insuredcontract",reasonable and attorneys'feesandnecessary litigationexpensesincurredbyorfor (2) Toanyobligationtosharedamages apartyotherthananinsuredare withorrepaysomeoneelsewhomust deemedtobedamagesbecauseof paydamagesbecauseoftheinjury. "bodilyinjury"or"propertydamage" Thisexclusiondoesnotapplytoliability provided: assumedbytheinsuredunderan"insured (i) Liabilitytosuchpartyfor,orfor contract". thecostof,thatpartyÓsdefense f.Pollution hasalsobeenassumedinthe (1) "Bodilyinjury","propertydamage"or same"insuredcontract",and "personalandadvertisinginjury" (ii) Suchattorneys'feesand arisingoutoftheactual,allegedor litigationexpensesarefor threateneddischarge,dispersal, defenseofthatpartyagainsta seepage,migration,releaseorescape civiloralternativedispute of"pollutants": resolutionproceedinginwhich (a) Atorfromanypremises,siteor damagestowhichthis locationwhichisorwasatany insuranceappliesarealleged. timeownedoroccupiedby,or c.LiquorLiability rentedorloanedtoanyinsured. "Bodilyinjury"or"propertydamage"for However,thissubparagraphdoes whichanyinsuredmaybeheldliableby notapplyto: reasonof: (i) "Bodilyinjury"ifsustainedwithin (1) Causingorcontributingtothe abuildingandcausedby intoxicationofanyperson; smoke,fumes,vapororsoot producedbyororiginatingfrom (2) Thefurnishingofalcoholicbeveragesto equipmentthatisusedtoheat, apersonunderthelegaldrinkingageor coolordehumidifythebuilding, undertheinfluenceofalcohol;or orequipmentthatisusedto (3) Anystatute,ordinanceorregulation heatwaterforpersonaluse,by relatingtothesale,gift,distributionor thebuilding'soccupantsortheir useofalcoholicbeverages. guests; Thisexclusionappliesonlyifyouareinthe (ii) "Bodilyinjury"or"property businessofmanufacturing,distributing, damage"forwhichyoumaybe selling,servingorfurnishingalcoholic heldliable,ifyouarea beverages. contractorandtheowneror d.Workers'CompensationAndSimilar lesseeofsuchpremises,siteor Laws locationhasbeenaddedtoyour Anyobligationoftheinsuredundera policyasanadditionalinsured workers'compensation,disabilitybenefits withrespecttoyourongoing orunemploymentcompensationlawor operationsperformedforthat anysimilarlaw. additionalinsuredatthat premises,siteorlocationand e.EmployerÓsLiability suchpremises,siteorlocation "Bodilyinjury"to: isnotandneverwasownedor (1) An"employee"oftheinsuredarising occupiedby,orrentedor outofandinthecourseof: loanedto,anyinsured,other (a) Employmentbytheinsured;or thanthatadditionalinsured;or Page4of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (iii) "Bodilyinjury"or"propertyreleasedaspartofthe damage"arisingoutofheat,operationsbeingperformed smokeorfumesfromabysuchinsured,contractoror "hostilefire";subcontractor; (b)(ii) Atorfromanypremises,siteor"Bodilyinjury"or"property locationwhichisorwasatanydamage"sustainedwithina timeusedbyorforanyinsuredorbuildingandcausedbythe othersforthehandling,storage,releaseofgases,fumesor disposal,processingortreatmentvaporsfrommaterialsbrought ofwaste;intothatbuildinginconnection withoperationsbeingperformed (c) Whichareorwereatanytime byyouoronyourbehalfbya transported,handled,stored, contractororsubcontractor;or treated,disposedof,orprocessed (iii) aswastebyorfor:"Bodilyinjury"or"property damage"arisingoutofheat, (i) Anyinsured;or smokeorfumesfroma (ii) Anypersonororganizationfor "hostilefire";or whomyoumaybelegally (e) Atorfromanypremises,siteor responsible; locationonwhichanyinsuredorany (d) Atorfromanypremises,siteor contractorsorsubcontractors locationonwhichanyinsuredor workingdirectlyorindirectlyonany anycontractorsorsubcontractors insuredÓsbehalfareperforming workingdirectlyorindirectlyon operationsiftheoperationsareto anyinsured'sbehalfare testfor,monitor,cleanup,remove, performingoperationsifthe contain,treat,detoxifyorneutralize, "pollutants"arebroughtonorto orinanywayrespondto,orassess thepremises,siteorlocationin theeffectsof,"pollutants". connectionwithsuchoperations (2) Anyloss,costorexpensearisingout bysuchinsured,contractoror ofany: subcontractor.However,this (a) subparagraphdoesnotapplyto:Request,demand,orderorstatutory orregulatoryrequirementthatany (i) "Bodilyinjury"or"property insuredorotherstestfor,monitor, damage"arisingoutofthe cleanup,remove,contain,treat, escapeoffuels,lubricantsor detoxifyorneutralize,orinanyway otheroperatingfluidswhichare respondto,orassesstheeffectsof, neededtoperformthenormal "pollutants";or electrical,hydraulicor (b) mechanicalfunctionsClaimorsuitbyoronbehalfofa necessaryfortheoperationofgovernmentalauthorityfor "mobileequipment"oritsparts,damagesbecauseoftestingfor, ifsuchfuels,lubricantsorothermonitoring,cleaningup,removing, operatingfluidsescapefromacontaining,treating,detoxifyingor vehiclepartdesignedtohold,neutralizing,orinanyway storeorreceivethem.Thisrespondingto,orassessingthe exceptiondoesnotapplyiftheeffectsof,"pollutants". "bodilyinjury"or"property However,thisparagraphdoesnot damage"arisesoutofthe applytoliabilityfordamagesbecause intentionaldischarge,dispersal of"propertydamage"thattheinsured orreleaseofthefuels, wouldhaveintheabsenceofsuch lubricantsorotheroperating request,demand,orderorstatutoryor fluids,orifsuchfuels, regulatoryrequirement,orsuchclaim lubricantsorotheroperating or"suit"byoronbehalfofa fluidsarebroughtonortothe governmentalauthority. premises,siteorlocationwith theintentthattheybe discharged,dispersedor FormSS00080405Page5of24 BUSINESSLIABILITYCOVERAGEFORM g.Aircraft,AutoOrWatercraft(2) Theuseof"mobileequipment"in,or whileinpracticeorpreparationfor,a "Bodilyinjury"or"propertydamage"arising prearrangedracing,speedor outoftheownership,maintenance,useor demolitioncontestorinanystunting entrustmenttoothersofanyaircraft,"auto" activity. orwatercraftownedoroperatedbyorrented i.War orloanedtoanyinsured.Useincludes operationand"loadingorunloading". "Bodilyinjury","propertydamage"or Thisexclusionapplieseveniftheclaims "personalandadvertisinginjury",however againstanyinsuredallegenegligenceor caused,arising,directlyorindirectly,outof: otherwrongdoinginthesupervision,hiring, (1) War,includingundeclaredorcivilwar; employment,trainingormonitoringofothers (2) Warlikeactionbyamilitaryforce, bythatinsured,ifthe"occurrence"which includingactioninhinderingor causedthe"bodilyinjury"or"property defendingagainstanactualor damage"involvedtheownership, expectedattack,byanygovernment, maintenance,useorentrustmenttoothersof sovereignorotherauthorityusing anyaircraft,"auto"orwatercraftthatis militarypersonnelorotheragents;or ownedoroperatedbyorrentedorloanedto (3) Insurrection,rebellion,revolution, anyinsured. usurpedpower,oractiontakenby Thisexclusiondoesnotapplyto: governmentalauthorityinhinderingor (1) Awatercraftwhileashoreonpremises defendingagainstanyofthese. youownorrent; j.ProfessionalServices (2) Awatercraftyoudonotownthatis: "Bodilyinjury","propertydamage"or (a) Lessthan51feetlong;and "personalandadvertisinginjury"arising outoftherenderingoforfailuretorender (b) Notbeingusedtocarrypersons anyprofessionalservice.Thisincludes foracharge; butisnotlimitedto: (3) Parkingan"auto"on,orontheways (1) Legal,accountingoradvertising nextto,premisesyouownorrent, services; providedthe"auto"isnotownedbyor rentedorloanedtoyouortheinsured; (2) Preparing,approving,orfailingto prepareorapprovemaps,shop (4) Liabilityassumedunderany"insured drawings,opinions,reports,surveys, contract"fortheownership, fieldorders,changeorders,designsor maintenanceoruseofaircraftor drawingsandspecifications; watercraft; (3) Supervisory,inspection,architectural (5) "Bodilyinjury"or"propertydamage" orengineeringactivities; arisingoutoftheoperationofanyof f.(2) theequipmentlistedinParagraph (4) Medical,surgical,dental,x-rayor f.(3) orofthedefinitionof"mobile nursingservicestreatment,adviceor equipment";or instruction; (6) Anaircraftthatisnotownedbyany (5) Anyhealthortherapeuticservice insuredandishired,charteredorloaned treatment,adviceorinstruction; withapaidcrew.However,this (6) Anyservice,treatment,adviceor exceptiondoesnotapplyiftheinsured instructionforthepurposeof hasanyotherinsuranceforsuch"bodily appearanceorskinenhancement,hair injury"or"propertydamage",whether removalorreplacementorpersonal theotherinsuranceisprimary,excess, grooming; contingentoronanyotherbasis. (7) Opticalorhearingaidservices h.MobileEquipment includingtheprescribing,preparation, "Bodilyinjury"or"propertydamage" fitting,demonstrationordistributionof arisingoutof: ophthalmiclensesandsimilar productsorhearingaiddevices; (1) Thetransportationof"mobileequipment" byan"auto"ownedoroperatedbyor rentedorloanedtoanyinsured;or Page6of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (8)(1)(3)(4) OptometryoroptometricservicesParagraphs,andofthis includingbutnotlimitedtoexaminationexclusiondonotapplyto"property oftheeyesandtheprescribing,damage"(otherthandamagebyfire)to preparation,fitting,demonstrationorpremises,includingthecontentsofsuch distributionofophthalmiclensesandpremises,rentedtoyouforaperiodof7or similarproducts;fewerconsecutivedays.AseparateLimit ofInsuranceappliestoDamageTo (9) Any: PremisesRentedToYouasdescribedin (a) Bodypiercing(notincludingear D. Section-LimitsOfInsurance. piercing); (2) Paragraphofthisexclusiondoesnot (b) Tattooing,includingbutnotlimited applyifthepremisesare"yourwork"and totheinsertionofpigmentsintoor wereneveroccupied,rentedorheldfor undertheskin;and rentalbyyou. (c) Similarservices; (3)(4) Paragraphsandofthisexclusiondo (10) Servicesinthepracticeofpharmacy; notapplytotheuseofelevators. and (3)(4)(5)(6) Paragraphs,,andofthis (11) Computerconsulting,designor exclusiondonotapplytoliabilityassumed programmingservices,includingweb underasidetrackagreement. sitedesign. (3)(4) Paragraphsandofthisexclusiondo (4)(5) Paragraphsandofthisexclusiondo notapplyto"propertydamage"to notapplytotheIncidentalMedical borrowedequipmentwhilenotbeingused Malpracticecoverageaffordedunder toperformoperationsatajobsite. 1.e.A. ParagraphinSection-Coverages. (6) Paragraphofthisexclusiondoesnot k.DamageToProperty applyto"propertydamage"includedinthe "products-completedoperationshazard". "Propertydamage"to: l.DamageToYourProduct (1) Propertyyouown,rentoroccupy, includinganycostsorexpenses "Propertydamage"to"yourproduct" incurredbyyou,oranyotherperson, arisingoutofitoranypartofit. organizationorentity,forrepair, m.DamageToYourWork replacement,enhancement, "Propertydamage"to"yourwork"arising restorationormaintenanceofsuch outofitoranypartofitandincludedinthe propertyforanyreason,including "products-completedoperationshazard". preventionofinjurytoapersonor damagetoanother'sproperty;Thisexclusiondoesnotapplyifthe damagedworkortheworkoutofwhich (2) Premisesyousell,giveawayor thedamageariseswasperformedonyour abandon,ifthe"propertydamage"arises behalfbyasubcontractor. outofanypartofthosepremises; n.DamageToImpairedPropertyOr (3) Propertyloanedtoyou; PropertyNotPhysicallyInjured (4) Personalpropertyinthecare,custody "Propertydamage"to"impairedproperty" orcontroloftheinsured; orpropertythathasnotbeenphysically (5) Thatparticularpartofrealpropertyon injured,arisingoutof: whichyouoranycontractorsor (1) Adefect,deficiency,inadequacyor subcontractorsworkingdirectlyor dangerousconditionin"yourproduct" indirectlyonyourbehalfareperforming or"yourwork";or operations,ifthe"propertydamage" (2) arisesoutofthoseoperations;orAdelayorfailurebyyouoranyone actingonyourbehalftoperforma (6) Thatparticularpartofanyproperty contractoragreementinaccordance thatmustberestored,repairedor withitsterms. replacedbecause"yourwork"was incorrectlyperformedonit.Thisexclusiondoesnotapplytotheloss ofuseofotherpropertyarisingoutof suddenandaccidentalphysicalinjuryto "yourproduct"or"yourwork"afterithas beenputtoitsintendeduse. FormSS00080405Page7of24 BUSINESSLIABILITYCOVERAGEFORM o.RecallOfProducts,WorkOrImpaired(c) Titleofanyliteraryorartisticwork; Property (8) Arisingoutofanoffensecommittedby Damagesclaimedforanyloss,costoraninsuredwhosebusinessis: (a) expenseincurredbyyouorothersfortheAdvertising,broadcasting, lossofuse,withdrawal,recall,inspection,publishingortelecasting; repair,replacement,adjustment,removal (b) Designingordeterminingcontent ordisposalof: ofwebsitesforothers;or (1) "Yourproduct"; (c) AnInternetsearch,access, (2) "Yourwork";or contentorserviceprovider. (3) "Impairedproperty"; However,thisexclusiondoesnot ifsuchproduct,workorpropertyis a.b.c. applytoParagraphs,and withdrawnorrecalledfromthemarketor underthedefinitionof"personaland fromusebyanypersonororganization G. advertisinginjury"inSectionÎ becauseofaknownorsuspecteddefect, LiabilityAndMedicalExpenses deficiency,inadequacyordangerous Definitions. conditioninit. Forthepurposesofthisexclusion, p.PersonalAndAdvertisingInjury placingan"advertisement"foror linkingtoothersonyourwebsite,by "Personalandadvertisinginjury": itself,isnotconsideredthebusiness (1) Arisingoutoforal,writtenorelectronic ofadvertising,broadcasting, publicationofmaterial,ifdonebyorat publishingortelecasting; thedirectionoftheinsuredwith (9) Arisingoutofanelectronicchatroom knowledgeofitsfalsity; orbulletinboardtheinsuredhosts, (2) Arisingoutoforal,writtenorelectronic owns,oroverwhichtheinsured publicationofmaterialwhosefirst exercisescontrol; publicationtookplacebeforethe (10) Arisingoutoftheunauthorizeduseof beginningofthepolicyperiod; another'snameorproductinyoure-mail (3) Arisingoutofacriminalactcommitted address,domainnameormetatags,or byoratthedirectionoftheinsured; anyothersimilartacticstomislead (4) Arisingoutofanybreachofcontract, another'spotentialcustomers; exceptanimpliedcontracttouse (11) Arisingoutoftheviolationofa anotherÓs"advertisingidea"inyour person'srightofprivacycreatedby "advertisement"; anystateorfederalact. (5) Arisingoutofthefailureofgoods, However,thisexclusiondoesnot productsorservicestoconformwith applytoliabilityfordamagesthatthe anystatementofqualityor insuredwouldhaveintheabsenceof performancemadeinyour suchstateorfederalact; "advertisement"; (12) Arisingoutof: (6) Arisingoutofthewrongdescriptionof (a) An"advertisement"forotherson thepriceofgoods,productsorservices; yourwebsite; (7) Arisingoutofanyviolationofany (b) Placingalinktoawebsiteof intellectualpropertyrightssuchas othersonyourwebsite; copyright,patent,trademark,trade name,tradesecret,servicemarkor (c) Contentfromawebsiteofothers otherdesignationoforiginor displayedwithinaframeorborder authenticity. onyourwebsite.Contentincludes information,code,sounds,text, However,thisexclusiondoesnot graphicsorimages;or applytoinfringement,inyour "advertisement",of (d) Computercode,softwareor programmingusedtoenable: (a) Copyright; (i) Yourwebsite;or (b) Slogan,unlessthesloganisalso atrademark,tradename,service (ii) Thepresentationorfunctionality markorotherdesignationoforigin ofan"advertisement"orother orauthenticity;or contentonyourwebsite; Page8of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (13)(a) Arisingoutofaviolationofanyanti-Maybeawardedorincurredby trustlaw;reasonofanyclaimorsuit allegingactualorthreatenedinjury (14) Arisingoutofthefluctuationinpriceor ordamageofanynatureorkindto valueofanystocks,bondsorother personsorpropertywhichwould securities;or nothaveoccurredinwholeorin (15) Arisingoutofdiscriminationor partbutforthe"asbestoshazard"; humiliationcommittedbyoratthe (b) Ariseoutofanyrequest,demand, directionofany"executiveofficer", orderorstatutoryorregulatory director,stockholder,partneror requirementthatanyinsuredor memberoftheinsured. otherstestfor,monitor,cleanup, q.ElectronicData remove,encapsulate,contain, Damagesarisingoutofthelossof,lossof treat,detoxifyorneutralizeorin useof,damageto,corruptionof,inability anywayrespondtoorassessthe toaccess,orinabilitytomanipulate effectsofan"asbestoshazard";or "electronicdata". (c) Ariseoutofanyclaimorsuitfor r.Employment-RelatedPractices damagesbecauseoftestingfor, monitoring,cleaningup,removing, "Bodilyinjury"or"personalandadvertising encapsulating,containing,treating, injury"to: detoxifyingorneutralizingorinany (1) Apersonarisingoutofany: wayrespondingtoorassessingthe (a) Refusaltoemploythatperson; effectsofan"asbestoshazard". (b) Terminationofthatperson's t.ViolationOfStatutesThatGovernE- employment;or Mails,Fax,PhoneCallsOrOther MethodsOfSendingMaterialOr (c) Employment-relatedpractices, Information policies,actsoromissions,suchas coercion,demotion,evaluation, "Bodilyinjury","propertydamage",or reassignment,discipline, "personalandadvertisinginjury"arising defamation,harassment,humiliation directlyorindirectlyoutofanyactionor ordiscriminationdirectedatthat omissionthatviolatesorisallegedto person;or violate: (2) Thespouse,child,parent,brotheror (1) TheTelephoneConsumerProtection sisterofthatpersonasa Act(TCPA),includinganyamendment consequenceof"bodilyinjury"or oforadditiontosuchlaw; "personalandadvertisinginjury"tothe (2) TheCAN-SPAMActof2003,including personatwhomanyofthe anyamendmentoforadditiontosuch employment-relatedpractices law;or (a)(b)(c) describedinParagraphs,,or (3) Anystatute,ordinanceorregulation, aboveisdirected. otherthantheTCPAorCAN-SPAMAct Thisexclusionapplies: of2003,thatprohibitsorlimitsthe (1) Whethertheinsuredmaybeliableas sending,transmitting,communicatingor anemployerorinanyothercapacity; distributionofmaterialorinformation. and DamageToPremisesRentedToYouÎ (2) Toanyobligationtosharedamages ExceptionForDamageByFire,Lightning withorrepaysomeoneelsewhomust orExplosion paydamagesbecauseoftheinjury. c.h.k.o. Exclusionsthroughandthroughdo s.Asbestos notapplytodamagebyfire,lightningor explosiontopremisesrentedtoyouor (1) "Bodilyinjury","propertydamage"or temporarilyoccupiedbyyouwithpermissionof "personalandadvertisinginjury" theowner.AseparateLimitofInsurance arisingoutofthe"asbestoshazard". appliestothiscoverageasdescribedin (2) Anydamages,judgments,settlements, D. Section-LiabilityAndMedicalExpenses loss,costsorexpensesthat: LimitsOfInsurance. FormSS00080405Page9of24 BUSINESSLIABILITYCOVERAGEFORM 2.ApplicableToMedicalExpensesCoveragee. Atrust,youareaninsured.Yourtrustees arealsoinsureds,butonlywithrespectto Wewillnotpayexpensesfor"bodilyinjury": theirdutiesastrustees. a.AnyInsured 2. Eachofthefollowingisalsoaninsured: Toanyinsured,except"volunteerworkers". a.EmployeesAndVolunteerWorkers b.HiredPerson Your"volunteerworkers"onlywhile Toapersonhiredtodoworkfororonbehalf performingdutiesrelatedtotheconductof ofanyinsuredoratenantofanyinsured. yourbusiness,oryour"employees",other c.InjuryOnNormallyOccupiedPremises thaneitheryour"executiveofficers"(ifyou Toapersoninjuredonthatpartof areanorganizationotherthana premisesyouownorrentthattheperson partnership,jointventureorlimitedliability normallyoccupies. company)oryourmanagers(ifyouarea limitedliabilitycompany),butonlyforacts d.Workers'CompensationAndSimilar withinthescopeoftheiremploymentby Laws youorwhileperformingdutiesrelatedto Toaperson,whetherornotan theconductofyourbusiness. "employee"ofanyinsured,ifbenefitsfor However,noneofthese"employees"or the"bodilyinjury"arepayableormustbe "volunteerworkers"areinsuredsfor: providedunderaworkers'compensation ordisabilitybenefitslaworasimilarlaw. (1) "Bodilyinjury"or"personaland advertisinginjury": e.AthleticsActivities (a) Toyou,toyourpartnersor Toapersoninjuredwhilepracticing, members(ifyouareapartnership instructingorparticipatinginanyphysical orjointventure),toyourmembers exercisesorgames,sportsorathletic (ifyouarealimitedliability contests. company),ortoaco-"employee" f.Products-CompletedOperationsHazard whileinthecourseofhisorher Includedwiththe"products-completed employmentorperformingduties operationshazard". relatedtotheconductofyour business,ortoyourother g.BusinessLiabilityExclusions "volunteerworkers"while ExcludedunderBusinessLiabilityCoverage. performingdutiesrelatedtothe C.WHOISANINSURED conductofyourbusiness; 1. IfyouaredesignatedintheDeclarationsas: (b) Tothespouse,child,parent, brotherorsisterofthatco- a. Anindividual,youandyourspouseare "employee"orthat"volunteer insureds,butonlywithrespecttothe worker"asaconsequenceof conductofabusinessofwhichyouarethe (1)(a) Paragraphabove; soleowner. (c) Forwhichthereisanyobligation b. Apartnershiporjointventure,youarean tosharedamageswithorrepay insured.Yourmembers,yourpartners,and someoneelsewhomustpay theirspousesarealsoinsureds,butonlywith damagesbecauseoftheinjury respecttotheconductofyourbusiness. (1)(a) describedinParagraphsor c. Alimitedliabilitycompany,youarean (b) above;or insured.Yourmembersarealsoinsureds, (d) Arisingoutofhisorherproviding butonlywithrespecttotheconductofyour orfailingtoprovideprofessional business.Yourmanagersareinsureds,but healthcareservices. onlywithrespecttotheirdutiesasyour managers. Ifyouarenotinthebusinessof providingprofessionalhealthcare d. Anorganizationotherthanapartnership, (d) services,Paragraphdoesnotapply jointventureorlimitedliabilitycompany,you toanynurse,emergencymedical areaninsured.Your"executiveofficers"and technicianorparamedicemployedby directorsareinsureds,butonlywithrespect youtoprovidesuchservices. totheirdutiesasyourofficersordirectors. Yourstockholdersarealsoinsureds,butonly (2) "Propertydamage"toproperty: withrespecttotheirliabilityasstockholders. (a) Owned,occupiedorusedby, Page10of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (b)b. Rentedto,inthecare,custodyorCoverageunderthisprovisiondoesnot controlof,oroverwhichphysicalapplyto: controlisbeingexercisedforany (1) "Bodilyinjury"or"propertydamage" purposebyyou,anyofyour thatoccurred;or "employees","volunteerworkers", (2) "Personalandadvertisinginjury" anypartnerormember(ifyouare arisingoutofanoffensecommitted apartnershiporjointventure),or beforeyouacquiredorformedthe anymember(ifyouarealimited organization. liabilitycompany). 4.OperatorOfMobileEquipment b.RealEstateManager Withrespectto"mobileequipment"registeredin Anyperson(otherthanyour"employee"or yournameunderanymotorvehicleregistration "volunteerworker"),oranyorganization law,anypersonisaninsuredwhiledrivingsuch whileactingasyourrealestatemanager. equipmentalongapublichighwaywithyour c.TemporaryCustodiansOfYour permission.Anyotherpersonororganization Property responsiblefortheconductofsuchpersonis Anypersonororganizationhavingproper alsoaninsured,butonlywithrespecttoliability temporarycustodyofyourpropertyifyou arisingoutoftheoperationoftheequipment,and die,butonly: onlyifnootherinsuranceofanykindisavailable (1) Withrespecttoliabilityarisingoutofthe tothatpersonororganizationforthisliability. maintenanceoruseofthatproperty;and However,nopersonororganizationisaninsured withrespectto: (2) Untilyourlegalrepresentativehas beenappointed. a. "Bodilyinjury"toaco-"employee"ofthe persondrivingtheequipment;or d.LegalRepresentativeIfYouDie b. "Propertydamage"topropertyownedby, Yourlegalrepresentativeifyoudie,but rentedto,inthechargeoforoccupiedby onlywithrespecttodutiesassuch.That youortheemployerofanypersonwhois representativewillhaveallyourrightsand aninsuredunderthisprovision. dutiesunderthisinsurance. 5.OperatorofNonownedWatercraft e.UnnamedSubsidiary Withrespecttowatercraftyoudonotownthat Anysubsidiaryandsubsidiarythereof,of islessthan51feetlongandisnotbeingused yourswhichisalegallyincorporatedentity tocarrypersonsforacharge,anypersonisan ofwhichyouownafinancialinterestof insuredwhileoperatingsuchwatercraftwith morethan50%ofthevotingstockonthe yourpermission.Anyotherpersonor effectivedateofthisCoveragePart. organizationresponsiblefortheconductof Theinsuranceaffordedhereinforany suchpersonisalsoaninsured,butonlywith subsidiarynotshownintheDeclarations respecttoliabilityarisingoutoftheoperation asanamedinsureddoesnotapplyto ofthewatercraft,andonlyifnoother injuryordamagewithrespecttowhichan insuranceofanykindisavailabletothat insuredunderthisinsuranceisalsoan personororganizationforthisliability. insuredunderanotherpolicyorwouldbe However,nopersonororganizationisan aninsuredundersuchpolicybutforits insuredwithrespectto: terminationorupontheexhaustionofits limitsofinsurance. a. "Bodilyinjury"toaco-"employee"ofthe personoperatingthewatercraft;or 3.NewlyAcquiredOrFormedOrganization b. "Propertydamage"topropertyownedby, Anyorganizationyounewlyacquireorform, rentedto,inthechargeoforoccupiedby otherthanapartnership,jointventureor youortheemployerofanypersonwhois limitedliabilitycompany,andoverwhichyou aninsuredunderthisprovision. maintainfinancialinterestofmorethan50%of thevotingstock,willqualifyasaNamed 6.AdditionalInsuredsWhenRequiredBy Insuredifthereisnoothersimilarinsurance WrittenContract,WrittenAgreementOr availabletothatorganization.However: Permit a. Coverageunderthisprovisionisafforded Theperson(s)ororganization(s)identifiedin onlyuntilthe180thdayafteryouacquire a.f. Paragraphsthroughbelowareadditional orformtheorganizationortheendofthe insuredswhenyouhaveagreed,inawritten policyperiod,whicheverisearlier;and FormSS00080405Page11of24 BUSINESSLIABILITYCOVERAGEFORM (e) contract,writtenagreementorbecauseofaAnyfailuretomakesuch permitissuedbyastateorpoliticalinspections,adjustments,testsor subdivision,thatsuchpersonororganizationservicingasthevendorhas beaddedasanadditionalinsuredonyouragreedtomakeornormally policy,providedtheinjuryordamageoccursundertakestomakeintheusual subsequenttotheexecutionofthecontractorcourseofbusiness,inconnection agreement,ortheissuanceofthepermit.withthedistributionorsaleofthe products; Apersonororganizationisanadditional (f) Demonstration,installation, insuredunderthisprovisiononlyforthat servicingorrepairoperations, periodoftimerequiredbythecontract, exceptsuchoperationsperformed agreementorpermit. atthevendor'spremisesin However,nosuchpersonororganizationisan connectionwiththesaleofthe additionalinsuredunderthisprovisionifsuch product; personororganizationisincludedasan (g) Productswhich,afterdistribution additionalinsuredbyanendorsementissued orsalebyyou,havebeenlabeled byusandmadeapartofthisCoveragePart, orrelabeledorusedasa includingallpersonsororganizationsadded container,partoringredientofany asadditionalinsuredsunderthespecific otherthingorsubstancebyorfor additionalinsuredcoveragegrantsinSection thevendor;or F. ÎOptionalAdditionalInsuredCoverages. (h) "Bodilyinjury"or"property a.Vendors damage"arisingoutofthesole Anyperson(s)ororganization(s)(referredto negligenceofthevendorforits belowasvendor),butonlywithrespectto ownactsoromissionsorthoseof "bodilyinjury"or"propertydamage"arising itsemployeesoranyoneelse outof"yourproducts"whicharedistributed actingonitsbehalf.However,this orsoldintheregularcourseofthevendor's exclusiondoesnotapplyto: businessandonlyifthisCoveragePart (i) Theexceptionscontainedin providescoveragefor"bodilyinjury"or (d)(f) Subparagraphsor;or "propertydamage"includedwithinthe (ii) "products-completedoperationshazard".Suchinspections,adjustments, testsorservicingasthevendor (1) Theinsuranceaffordedtothevendor hasagreedtomakeornormally issubjecttothefollowingadditional undertakestomakeintheusual exclusions: courseofbusiness,in Thisinsurancedoesnotapplyto: connectionwiththedistribution (a) "Bodilyinjury"or"property orsaleoftheproducts. damage"forwhichthevendoris (2) Thisinsurancedoesnotapplytoany obligatedtopaydamagesby insuredpersonororganizationfrom reasonoftheassumptionof whomyouhaveacquiredsuchproducts, liabilityinacontractoragreement. oranyingredient,partorcontainer, Thisexclusiondoesnotapplyto enteringinto,accompanyingor liabilityfordamagesthatthe containingsuchproducts. vendorwouldhaveintheabsence b.LessorsOfEquipment ofthecontractoragreement; (1) Anypersonororganizationfrom (b) Anyexpresswarranty whomyouleaseequipment;butonly unauthorizedbyyou; withrespecttotheirliabilityfor"bodily (c) Anyphysicalorchemicalchange injury","propertydamage"or intheproductmadeintentionally "personalandadvertisinginjury" bythevendor; caused,inwholeorinpart,byyour (d) Repackaging,exceptwhen maintenance,operationoruseof unpackedsolelyforthepurposeof equipmentleasedtoyoubysuch inspection,demonstration,testing, personororganization. orthesubstitutionofpartsunder instructionsfromthemanufacturer, andthenrepackagedinthe originalcontainer; Page12of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (2)e.PermitsIssuedByStateOrPolitical Withrespecttotheinsuranceafforded Subdivisions totheseadditionalinsureds,this insurancedoesnotapplytoany (1) Anystateorpoliticalsubdivision,but "occurrence"whichtakesplaceafter onlywithrespecttooperations youceasetoleasethatequipment. performedbyyouoronyourbehalffor c.LessorsOfLandOrPremises whichthestateorpoliticalsubdivision hasissuedapermit. (1) Anypersonororganizationfrom (2) whomyouleaselandorpremises,butWithrespecttotheinsuranceafforded onlywithrespecttoliabilityarisingouttotheseadditionalinsureds,this oftheownership,maintenanceoruseinsurancedoesnotapplyto: ofthatpartofthelandorpremises (a) "Bodilyinjury","propertydamage" leasedtoyou. or"personalandadvertising (2) Withrespecttotheinsuranceaffordedinjury"arisingoutofoperations totheseadditionalinsureds,thisperformedforthestateor insurancedoesnotapplyto:municipality;or (a)(b) Any"occurrence"whichtakes"Bodilyinjury"or"propertydamage" placeafteryouceasetoleasethatincludedwithinthe"products- landorbeatenantinthatcompletedoperationshazard". premises;or f.AnyOtherParty (b) Structuralalterations,new (1) Anyotherpersonororganizationwho constructionordemolition a. isnotaninsuredunderParagraphs operationsperformedbyoron e through.above,butonlywith behalfofsuchpersonor respecttoliabilityfor"bodilyinjury", organization. "propertydamage"or"personaland d.Architects,EngineersOrSurveyors advertisinginjury"caused,inwholeor inpart,byyouractsoromissionsor (1) Anyarchitect,engineer,orsurveyor,but theactsoromissionsofthoseacting onlywithrespecttoliabilityfor"bodily onyourbehalf: injury","propertydamage"or"personal (a) andadvertisinginjury"caused,inwholeIntheperformanceofyour orinpart,byyouractsoromissionsorongoingoperations; theactsoromissionsofthoseactingon (b) Inconnectionwithyourpremises yourbehalf: ownedbyorrentedtoyou;or (a) Inconnectionwithyourpremises; (c) Inconnectionwith"yourwork"and or includedwithinthe"products- (b) Intheperformanceofyourcompletedoperationshazard",but ongoingoperationsperformedbyonlyif youoronyourbehalf. (i) Thewrittencontractorwritten (2) Withrespecttotheinsuranceaffordedagreementrequiresyouto totheseadditionalinsureds,theprovidesuchcoverageto followingadditionalexclusionapplies:suchadditionalinsured;and (ii) ThisinsurancedoesnotapplytoThisCoveragePartprovides "bodilyinjury","propertydamage"orcoveragefor"bodilyinjury"or "personalandadvertisinginjury""propertydamage"included arisingoutoftherenderingoforthewithinthe"products- failuretorenderanyprofessionalcompletedoperationshazard". servicesbyorforyou,including: (2) Withrespecttotheinsuranceafforded (a) Thepreparing,approving,ortotheseadditionalinsureds,this failuretoprepareorapprove,insurancedoesnotapplyto: maps,shopdrawings,opinions, "Bodilyinjury","propertydamage"or reports,surveys,fieldorders, "personalandadvertisinginjury" changeorders,designsor arisingoutoftherenderingof,orthe drawingsandspecifications;or failuretorender,anyprofessional (b) Supervisory,inspection,architectural,engineeringorsurveying architecturalorengineeringservices,including: activities. FormSS00080405Page13of24 BUSINESSLIABILITYCOVERAGEFORM (a) Thepreparing,approving,orThisGeneralAggregatelimitdoesnot failuretoprepareorapprove,applyto"propertydamage"topremises maps,shopdrawings,opinions,whilerentedtoyouortemporarily reports,surveys,fieldorders,occupiedbyyouwithpermissionofthe changeorders,designsorowner,arisingoutoffire,lightningor drawingsandspecifications;orexplosion. (b)3.EachOccurrenceLimit Supervisory,inspection, architecturalorengineering 2.a.2.b Subjecttoorabove,whichever activities. applies,themostwewillpayforthesumofall Thelimitsofinsurancethatapplytoadditionaldamagesbecauseofall"bodilyinjury", D. insuredsaredescribedinSectionÎLimits"propertydamage"andmedicalexpenses OfInsurance.arisingoutofanyone"occurrence"isthe LiabilityandMedicalExpensesLimitshownin Howthisinsuranceapplieswhenother theDeclarations. insuranceisavailabletoanadditionalinsured isdescribedintheOtherInsuranceConditionThemostwewillpayforallmedicalexpenses E. inSectionÎLiabilityAndMedicalExpensesbecauseof"bodilyinjury"sustainedbyany GeneralConditions.onepersonistheMedicalExpensesLimit shownintheDeclarations. Nopersonororganizationisaninsuredwith 4.PersonalAndAdvertisingInjuryLimit respecttotheconductofanycurrentorpast partnership,jointventureorlimitedliability 2.b. Subjecttoabove,themostwewillpayfor companythatisnotshownasaNamedInsuredin thesumofalldamagesbecauseofall theDeclarations. "personalandadvertisinginjury"sustainedby anyonepersonororganizationisthePersonal D.LIABILITYANDMEDICALEXPENSES andAdvertisingInjuryLimitshowninthe LIMITSOFINSURANCE Declarations. 1.TheMostWeWillPay 5.DamageToPremisesRentedToYouLimit TheLimitsofInsuranceshowninthe TheDamageToPremisesRentedToYou Declarationsandtherulesbelowfixthemost LimitisthemostwewillpayunderBusiness wewillpayregardlessofthenumberof: LiabilityCoveragefordamagesbecauseof a. Insureds; "propertydamage"toanyonepremises,while b. Claimsmadeor"suits"brought;or rentedtoyou,orinthecaseofdamagebyfire, lightningorexplosion,whilerentedtoyouor c. Personsororganizationsmakingclaimsor temporarilyoccupiedbyyouwithpermissionof bringing"suits". theowner. 2.AggregateLimits Inthecaseofdamagebyfire,lightningor Themostwewillpayfor: explosion,theDamagetoPremisesRentedTo a. Damagesbecauseof"bodilyinjury"and YouLimitappliestoalldamageproximately "propertydamage"includedinthe causedbythesameevent,whethersuch "products-completedoperationshazard"is damageresultsfromfire,lightningorexplosion theProducts-CompletedOperations oranycombinationofthese. AggregateLimitshowninthe 6.HowLimitsApplyToAdditionalInsureds Declarations. Themostwewillpayonbehalfofapersonor b. Damagesbecauseofallother"bodily organizationwhoisanadditionalinsured injury","propertydamage"or"personal underthisCoveragePartisthelesserof: andadvertisinginjury",includingmedical a. Thelimitsofinsurancespecifiedina expenses,istheGeneralAggregateLimit writtencontract,writtenagreementor shownintheDeclarations. permitissuedbyastateorpolitical ThisGeneralAggregateLimitapplies subdivision;or separatelytoeachofyour"locations" b. TheLimitsofInsuranceshowninthe ownedbyorrentedtoyou. Declarations. "Location"meanspremisesinvolvingthe Suchamountshallbeapartofandnotin sameorconnectinglots,orpremises additiontotheLimitsofInsuranceshownin whoseconnectionisinterruptedonlybya theDeclarationsanddescribedinthisSection. street,roadwayorright-of-wayofa railroad. Page14of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (1) IfmorethanonelimitofinsuranceunderthisImmediatelysenduscopiesofany policyandanyendorsementsattachedtheretodemands,notices,summonsesor appliestoanyclaimor"suit",themostwewillpaylegalpapersreceivedinconnection underthispolicyandtheendorsementsisthewiththeclaimor"suit"; singlehighestlimitofliabilityofallcoverages (2) Authorizeustoobtainrecordsand applicabletosuchclaimor"suit".However,this otherinformation; paragraphdoesnotapplytotheMedicalExpenses (3) Cooperatewithusintheinvestigation, 3. limitsetforthinParagraphabove. settlementoftheclaimordefense TheLimitsofInsuranceofthisCoveragePartapply againstthe"suit";and separatelytoeachconsecutiveannualperiodandto (4) Assistus,uponourrequest,inthe anyremainingperiodoflessthan12months,starting enforcementofanyrightagainstany withthebeginningofthepolicyperiodshowninthe personororganizationthatmaybe Declarations,unlessthepolicyperiodisextended liabletotheinsuredbecauseofinjury afterissuanceforanadditionalperiodoflessthan12 ordamagetowhichthisinsurance months.Inthatcase,theadditionalperiodwillbe mayalsoapply. deemedpartofthelastprecedingperiodforpurposes d.ObligationsAtTheInsured'sOwnCost ofdeterminingtheLimitsofInsurance. Noinsuredwill,exceptatthatinsured'sown E.LIABILITYANDMEDICALEXPENSES cost,voluntarilymakeapayment,assume GENERALCONDITIONS anyobligation,orincuranyexpense,other thanforfirstaid,withoutourconsent. 1.Bankruptcy e.AdditionalInsured'sOtherInsurance Bankruptcyorinsolvencyoftheinsuredorof theinsured'sestatewillnotrelieveusofour Ifwecoveraclaimor"suit"underthis obligationsunderthisCoveragePart. CoveragePartthatmayalsobecovered byotherinsuranceavailabletoan 2.DutiesInTheEventOfOccurrence, additionalinsured,suchadditionalinsured Offense,ClaimOrSuit mustsubmitsuchclaimor"suit"tothe a.NoticeOfOccurrenceOrOffense otherinsurerfordefenseandindemnity. Youoranyadditionalinsuredmustseeto However,thisprovisiondoesnotapplyto itthatwearenotifiedassoonas theextentthatyouhaveagreedina practicableofan"occurrence"oran writtencontract,writtenagreementor offensewhichmayresultinaclaim.To permitthatthisinsuranceisprimaryand theextentpossible,noticeshouldinclude: non-contributorywiththeadditional (1) How,whenandwherethe"occurrence" insured'sowninsurance. oroffensetookplace; f.KnowledgeOfAnOccurrence,Offense, (2) Thenamesandaddressesofany ClaimOrSuit injuredpersonsandwitnesses;and a.b. Paragraphsandapplytoyouorto (3) Thenatureandlocationofanyinjury anyadditionalinsuredonlywhensuch ordamagearisingoutofthe "occurrence",offense,claimor"suit"is "occurrence"oroffense. knownto: b.NoticeOfClaim (1) Youoranyadditionalinsuredthatis anindividual; Ifaclaimismadeor"suit"isbrought againstanyinsured,youoranyadditional (2) Anypartner,ifyouoranadditional insuredmust: insuredisapartnership; (1) Immediatelyrecordthespecificsofthe (3) Anymanager,ifyouoranadditional claimor"suit"andthedatereceived; insuredisalimitedliabilitycompany; and (4) Any"executiveofficer"orinsurance (2) Notifyusassoonaspracticable. manager,ifyouoranadditional insuredisacorporation; Youoranyadditionalinsuredmustseeto itthatwereceiveawrittennoticeofthe (5) Anytrustee,ifyouoranadditional claimor"suit"assoonaspracticable. insuredisatrust;or c.AssistanceAndCooperationOfThe (6) Anyelectedorappointedofficial,ifyou Insured oranadditionalinsuredisapolitical subdivisionorpublicentity. Youandanyotherinvolvedinsuredmust: FormSS00080405Page15of24 BUSINESSLIABILITYCOVERAGEFORM f.(3) ThisParagraphappliesseparatelytoWehaveissuedthispolicyinreliance youandanyadditionalinsured.uponyourrepresentations. 3.FinancialResponsibilityLawsb.UnintentionalFailureToDisclose Hazards a. Whenthispolicyiscertifiedasproofof financialresponsibilityforthefutureunder Ifunintentionallyyoushouldfailtodisclose theprovisionsofanymotorvehicle allhazardsrelatingtotheconductofyour financialresponsibilitylaw,theinsurance businessattheinceptiondateofthis providedbythepolicyfor"bodilyinjury" CoveragePart,weshallnotdenyany liabilityand"propertydamage"liabilitywill coverageunderthisCoveragePart complywiththeprovisionsofthelawto becauseofsuchfailure. theextentofthecoverageandlimitsof 7.OtherInsurance insurancerequiredbythatlaw. Ifothervalidandcollectibleinsuranceis b. Withrespectto"mobileequipment"to availableforalosswecoverunderthis whichthisinsuranceapplies,wewill CoveragePart,ourobligationsarelimitedas provideanyliability,uninsuredmotorists, follows: underinsuredmotorists,no-faultorother a.PrimaryInsurance coveragerequiredbyanymotorvehicle b. law.WewillprovidetherequiredlimitsforThisinsuranceisprimaryexceptwhen thosecoverages.belowapplies.Ifotherinsuranceisalso primary,wewillsharewithallthatother 4.LegalActionAgainstUs c. insurancebythemethoddescribedin Nopersonororganizationhasarightunder below. thisCoverageForm: b.ExcessInsurance a. Tojoinusasapartyorotherwisebringus Thisinsuranceisexcessoveranyofthe intoa"suit"askingfordamagesfroman otherinsurance,whetherprimary,excess, insured;or contingentoronanyotherbasis: b. TosueusonthisCoverageFormunless (1)YourWork allofitstermshavebeenfullycomplied with. ThatisFire,ExtendedCoverage, Builder'sRisk,InstallationRiskor Apersonororganizationmaysueustorecover similarcoveragefor"yourwork"; onanagreedsettlementoronafinaljudgment againstaninsured;butwewillnotbeliablefor (2)PremisesRentedToYou damagesthatarenotpayableunderthetermsof Thatisfire,lightningorexplosion thisinsuranceorthatareinexcessofthe insuranceforpremisesrentedtoyou applicablelimitofinsurance.Anagreed ortemporarilyoccupiedbyyouwith settlementmeansasettlementandreleaseof permissionoftheowner; liabilitysignedbyus,theinsuredandthe (3)TenantLiability claimantortheclaimant'slegalrepresentative. Thatisinsurancepurchasedbyyouto 5.SeparationOfInsureds coveryourliabilityasatenantfor ExceptwithrespecttotheLimitsofInsurance, "propertydamage"topremisesrented andanyrightsordutiesspecificallyassigned toyouortemporarilyoccupiedbyyou inthispolicytothefirstNamedInsured,this withpermissionoftheowner; insuranceapplies: (4)Aircraft,AutoOrWatercraft a. AsifeachNamedInsuredweretheonly Ifthelossarisesoutofthemaintenance NamedInsured;and oruseofaircraft,"autos"orwatercraftto b. Separatelytoeachinsuredagainstwhom g. theextentnotsubjecttoExclusionof aclaimismadeor"suit"isbrought. A. SectionÎCoverages. 6.Representations (5)PropertyDamageToBorrowed a.WhenYouAcceptThisPolicy EquipmentOrUseOfElevators Byacceptingthispolicy,youagree: Ifthelossarisesoutof"property damage"toborrowedequipmentor (1) ThestatementsintheDeclarations theuseofelevatorstotheextentnot areaccurateandcomplete; k.A. subjecttoExclusionofSectionÎ (2) Thosestatementsarebasedupon Coverages. representationsyoumadetous;and Page16of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (6)WhenYouAreAddedAsAn Whenthisinsuranceisexcessoverother AdditionalInsuredToOther insurance,wewillpayonlyourshareof Insurance theamountoftheloss,ifany,that exceedsthesumof: Thatisotherinsuranceavailableto (1) youcoveringliabilityfordamagesThetotalamountthatallsuchother arisingoutofthepremisesorinsurancewouldpayforthelossinthe operations,orproductsandcompletedabsenceofthisinsurance;and operations,forwhichyouhavebeen (2) Thetotalofalldeductibleandself- addedasanadditionalinsuredbythat insuredamountsunderallthatother insurance;or insurance. (7)WhenYouAddOthersAsAn Wewillsharetheremainingloss,ifany,with AdditionalInsuredToThis anyotherinsurancethatisnotdescribedin Insurance thisExcessInsuranceprovisionandwasnot Thatisotherinsuranceavailabletoanboughtspecificallytoapplyinexcessofthe additionalinsured.LimitsofInsuranceshowninthe DeclarationsofthisCoveragePart. However,thefollowingprovisions c.MethodOfSharing applytootherinsuranceavailableto anypersonororganizationwhoisan Ifalltheotherinsurancepermits additionalinsuredunderthisCoverage contributionbyequalshares,wewillfollow Part: thismethodalso.Underthisapproach, (a)PrimaryInsuranceWhen eachinsurercontributesequalamounts RequiredByContract untilithaspaiditsapplicablelimitof insuranceornoneofthelossremains, Thisinsuranceisprimaryifyou whichevercomesfirst. haveagreedinawrittencontract, writtenagreementorpermitthatIfanyoftheotherinsurancedoesnotpermit thisinsurancebeprimary.Ifothercontributionbyequalshares,wewill insuranceisalsoprimary,wewillcontributebylimits.Underthismethod,each sharewithallthatotherinsuranceinsurerÓsshareisbasedontheratioofits c. bythemethoddescribedinapplicablelimitofinsurancetothetotal below.applicablelimitsofinsuranceofallinsurers. (b)PrimaryAndNon-Contributory8.TransferOfRightsOfRecoveryAgainst ToOtherInsuranceWhenOthersToUs RequiredByContract a.TransferOfRightsOfRecovery Ifyouhaveagreedinawritten Iftheinsuredhasrightstorecoverallor contract,writtenagreementor partofanypayment,including permitthatthisinsuranceis SupplementaryPayments,wehavemade primaryandnon-contributorywith underthisCoveragePart,thoserightsare theadditionalinsured'sown transferredtous.Theinsuredmustdo insurance,thisinsuranceis nothingafterlosstoimpairthem.Atour primaryandwewillnotseek request,theinsuredwillbring"suit"or contributionfromthatother transferthoserightstousandhelpus insurance. enforcethem.Thisconditiondoesnot (a)(b) ParagraphsanddonotapplytoapplytoMedicalExpensesCoverage. otherinsurancetowhichtheadditional b.WaiverOfRightsOfRecovery(Waiver insuredhasbeenaddedasan OfSubrogation) additionalinsured. Iftheinsuredhaswaivedanyrightsof Whenthisinsuranceisexcess,wewill recoveryagainstanypersonor havenodutyunderthisCoveragePartto organizationforallorpartofanypayment, defendtheinsuredagainstany"suit"ifany includingSupplementaryPayments,we otherinsurerhasadutytodefendthe havemadeunderthisCoveragePart,we insuredagainstthat"suit".Ifnoother alsowaivethatright,providedtheinsured insurerdefends,wewillundertaketodo waivedtheirrightsofrecoveryagainst so,butwewillbeentitledtotheinsured's suchpersonororganizationinacontract, rightsagainstallthoseotherinsurers. agreementorpermitthatwasexecuted priortotheinjuryordamage. FormSS00080405Page17of24 BUSINESSLIABILITYCOVERAGEFORM 3.AdditionalInsured-GrantorOfFranchise F.OPTIONALADDITIONALINSURED C. WHOISANINSUREDunderSectionis COVERAGES amendedtoincludeasanadditionalinsured IflistedorshownasapplicableintheDeclarations, theperson(s)ororganization(s)showninthe oneormoreofthefollowingOptionalAdditional DeclarationsasanAdditionalInsured- InsuredCoveragesalsoapply.Whenanyofthese GrantorOfFranchise,butonlywithrespectto OptionalAdditionalInsuredCoveragesapply, theirliabilityasgrantoroffranchisetoyou. 6. Paragraph(AdditionalInsuredsWhenRequired 4.AdditionalInsured-LessorOfLeased byWrittenContract,WrittenAgreementorPermit) Equipment C. ofSection,WhoIsAnInsured,doesnotapply tothepersonororganizationshowninthe a.C. WHOISANINSUREDunderSectionis Declarations.Thesecoveragesaresubjecttothe amendedtoincludeasanadditional termsandconditionsapplicabletoBusiness insuredtheperson(s)ororganization(s) LiabilityCoverageinthispolicy,exceptas shownintheDeclarationsasanAdditional providedbelow: InsuredÎLessorofLeasedEquipment, butonlywithrespecttoliabilityfor"bodily 1.AdditionalInsured-DesignatedPersonOr injury","propertydamage"or"personal Organization andadvertisinginjury"caused,inwholeor C. WHOISANINSUREDunderSectionis inpart,byyourmaintenance,operationor amendedtoincludeasanadditionalinsured useofequipmentleasedtoyoubysuch theperson(s)ororganization(s)showninthe person(s)ororganization(s). Declarations,butonlywithrespecttoliability b. Withrespecttotheinsuranceaffordedto for"bodilyinjury","propertydamage"or theseadditionalinsureds,thisinsurance "personalandadvertisinginjury"caused,in doesnotapplytoany"occurrence"which wholeorinpart,byyouractsoromissionsor takesplaceafteryouceasetoleasethat theactsoromissionsofthoseactingonyour equipment. behalf: 5.AdditionalInsured-OwnersOrOther a. Intheperformanceofyourongoing InterestsFromWhomLandHasBeen operations;or Leased b. Inconnectionwithyourpremisesowned a.C. WHOISANINSUREDunderSectionis byorrentedtoyou. amendedtoincludeasanadditional 2.AdditionalInsured-ManagersOrLessors insuredtheperson(s)ororganization(s) OfPremises shownintheDeclarationsasanAdditional a.C. WHOISANINSUREDunderSectionis InsuredÎOwnersOrOtherInterestsFrom amendedtoincludeasanadditionalinsured WhomLandHasBeenLeased,butonly theperson(s)ororganization(s)showninthe withrespecttoliabilityarisingoutofthe DeclarationsasanAdditionalInsured- ownership,maintenanceoruseofthatpart DesignatedPersonOrOrganization;butonly ofthelandleasedtoyouandshowninthe withrespecttoliabilityarisingoutofthe Declarations. ownership,maintenanceoruseofthatpartof b. Withrespecttotheinsuranceaffordedto thepremisesleasedtoyouandshowninthe theseadditionalinsureds,thefollowing Declarations. additionalexclusionsapply: b. Withrespecttotheinsuranceaffordedto Thisinsurancedoesnotapplyto: theseadditionalinsureds,thefollowing (1) Any"occurrence"thattakesplace additionalexclusionsapply: afteryouceasetoleasethatland;or Thisinsurancedoesnotapplyto: (2) Structuralalterations,new (1) Any"occurrence"whichtakesplace constructionordemolitionoperations afteryouceasetobeatenantinthat performedbyoronbehalfofsuch premises;or personororganization. (2) Structuralalterations,new 6.AdditionalInsured-StateOrPolitical constructionordemolitionoperations SubdivisionÎPermits performedbyoronbehalfofsuch a.C. WHOISANINSUREDunderSectionis personororganization. amendedtoincludeasanadditional insuredthestateorpoliticalsubdivision shownintheDeclarationsasanAdditional Page18of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM (e) InsuredÎStateOrPoliticalSubdivision-Anyfailuretomakesuch Permits,butonlywithrespecttoinspections,adjustments,testsor operationsperformedbyyouoronyourservicingasthevendorhasagreed behalfforwhichthestateorpoliticaltomakeornormallyundertakesto subdivisionhasissuedapermit.makeintheusualcourseof business,inconnectionwiththe b. Withrespecttotheinsuranceaffordedto distributionorsaleoftheproducts; theseadditionalinsureds,thefollowing (f) Demonstration,installation, additionalexclusionsapply: servicingorrepairoperations, Thisinsurancedoesnotapplyto: exceptsuchoperationsperformed (1) "Bodilyinjury","propertydamage"or atthevendor'spremisesin "personalandadvertisinginjury" connectionwiththesaleofthe arisingoutofoperationsperformedfor product; thestateormunicipality;or (g) Productswhich,afterdistribution (2) "Bodilyinjury"or"propertydamage" orsalebyyou,havebeenlabeled includedinthe"product-completed orrelabeledorusedasa operations"hazard. container,partoringredientofany 7.AdditionalInsuredÎVendors otherthingorsubstancebyorfor thevendor;or a.C. WHOISANINSUREDunderSectionis amendedtoincludeasanadditional (h) "Bodilyinjury"or"property insuredtheperson(s)ororganization(s) damage"arisingoutofthesole (referredtobelowasvendor)showninthe negligenceofthevendorforits DeclarationsasanAdditionalInsured- ownactsoromissionsorthoseof Vendor,butonlywithrespectto"bodily itsemployeesoranyoneelse injury"or"propertydamage"arisingoutof actingonitsbehalf.However,this "yourproducts"whicharedistributedor exclusiondoesnotapplyto: soldintheregularcourseofthevendor's (i) Theexceptionscontainedin businessandonlyifthisCoveragePart (d)(f) Subparagraphsor;or providescoveragefor"bodilyinjury"or (ii) Suchinspections, "propertydamage"includedwithinthe adjustments,testsorservicing "products-completedoperationshazard". asthevendorhasagreedto b. Theinsuranceaffordedtothevendoris makeornormallyundertakes subjecttothefollowingadditionalexclusions: tomakeintheusualcourseof (1) Thisinsurancedoesnotapplyto: business,inconnectionwith thedistributionorsaleofthe (a) "Bodilyinjury"or"property products. damage"forwhichthevendoris obligatedtopaydamagesby (2) Thisinsurancedoesnotapplytoany reasonoftheassumptionof insuredpersonororganizationfrom liabilityinacontractoragreement. whomyouhaveacquiredsuch Thisexclusiondoesnotapplyto products,oranyingredient,partor liabilityfordamagesthatthe container,enteringinto, vendorwouldhaveintheabsence accompanyingorcontainingsuch ofthecontractoragreement; products. (b) Anyexpresswarranty 8.AdditionalInsuredÎControllingInterest unauthorizedbyyou; C. WHOISANINSUREDunderSectionis (c) Anyphysicalorchemicalchange amendedtoincludeasanadditionalinsured intheproductmadeintentionally theperson(s)ororganization(s)showninthe bythevendor; DeclarationsasanAdditionalInsuredÎ ControllingInterest,butonlywithrespectto (d) Repackaging,unlessunpacked theirliabilityarisingoutof: solelyforthepurposeofinspection, demonstration,testing,orthe a. Theirfinancialcontrolofyou;or substitutionofpartsunder b. Premisestheyown,maintainorcontrol instructionsfromthemanufacturer, whileyouleaseoroccupythesepremises. andthenrepackagedintheoriginal container; FormSS00080405Page19of24 BUSINESSLIABILITYCOVERAGEFORM ThisinsurancedoesnotapplytostructuralThelimitsofinsurancethatapplytoadditional D. alterations,newconstructionanddemolitioninsuredsaredescribedinSectionÎLimitsOf operationsperformedbyorforthatpersonorInsurance. organization. Howthisinsuranceapplieswhenotherinsurance 9.AdditionalInsuredÎOwners,LesseesOr isavailabletoanadditionalinsuredisdescribedin ContractorsÎScheduledPersonOr E. theOtherInsuranceConditioninSectionÎ Organization LiabilityAndMedicalExpensesGeneral Conditions. a.C. WHOISANINSUREDunderSectionis amendedtoincludeasanadditional G.LIABILITYANDMEDICALEXPENSES insuredtheperson(s)ororganization(s) DEFINITIONS shownintheDeclarationsasanAdditional 1. "Advertisement"meansthewidespreadpublic InsuredÎOwner,LesseesOrContractors, disseminationofinformationorimagesthat butonlywithrespecttoliabilityfor"bodily hasthepurposeofinducingthesaleofgoods, injury","propertydamage"or"personal productsorservicesthrough: andadvertisinginjury"caused,inwholeor inpart,byyouractsoromissionsorthe a.(1) Radio; actsoromissionsofthoseactingonyour (2) Television; behalf: (3) Billboard; (1) Intheperformanceofyourongoing (4) Magazine; operationsfortheadditional (5) Newspaper; insured(s);or b. TheInternet,butonlythatpartofaweb (2) Inconnectionwith"yourwork" sitethatisaboutgoods,productsor performedforthatadditionalinsured servicesforthepurposesofinducingthe andincludedwithinthe"products- saleofgoods,productsorservices;or completedoperationshazard",but c. Anyotherpublicationthatisgiven onlyifthisCoveragePartprovides widespreadpublicdistribution. coveragefor"bodilyinjury"or "propertydamage"includedwithinthe However,"advertisement"doesnotinclude: "products-completedoperations a. Thedesign,printedmaterial,information hazard". orimagescontainedin,onoruponthe b. Withrespecttotheinsuranceaffordedto packagingorlabelingofanygoodsor theseadditionalinsureds,thisinsurance products;or doesnotapplyto"bodilyinjury","property b. Aninteractiveconversationbetweenor damage"or"personalanadvertising amongpersonsthroughacomputernetwork. injury"arisingoutoftherenderingof,or 2. "Advertisingidea"meansanyideaforan thefailuretorender,anyprofessional "advertisement". architectural,engineeringorsurveying services,including: 3. "Asbestoshazard"meansanexposureor threatofexposuretotheactualoralleged (1) Thepreparing,approving,orfailureto propertiesofasbestosandincludesthemere prepareorapprove,maps,shop presenceofasbestosinanyform. drawings,opinions,reports,surveys, fieldorders,changeorders,designsor 4. "Auto"meansalandmotorvehicle,traileror drawingsandspecifications;or semi-trailerdesignedfortravelonpublic roads,includinganyattachedmachineryor (2) Supervisory,inspection,architectural equipment.But"auto"doesnotinclude orengineeringactivities. "mobileequipment". 10.AdditionalInsuredÎCo-OwnerOfInsured 5. "Bodilyinjury"meansphysical: Premises a. Injury; C. WHOISANINSUREDunderSectionis amendedtoincludeasanadditionalinsured b. Sickness;or theperson(s)orOrganization(s)showninthe c. Disease DeclarationsasanAdditionalInsuredÎCo- sustainedbyapersonand,ifarisingoutofthe OwnerOfInsuredPremises,butonlywith above,mentalanguishordeathatanytime. respecttotheirliabilityasco-ownerofthe premisesshownintheDeclarations. 6. "Coverageterritory"means: Page20of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM a.b. TheUnitedStatesofAmerica(includingitsYouhavefailedtofulfillthetermsofa territoriesandpossessions),PuertoRicocontractoragreement; andCanada; ifsuchpropertycanberestoredtouseby: b. Internationalwatersorairspace,butonlyif a. Therepair,replacement,adjustmentor theinjuryordamageoccursinthecourse removalof"yourproduct"or"yourwork"; oftravelortransportationbetweenany or a. placesincludedinabove; b. Yourfulfillingthetermsofthecontractor c. Allotherpartsoftheworldiftheinjuryor agreement. damagearisesoutof: 12. "Insuredcontract"means: (1) Goodsorproductsmadeorsoldbyyou a .Acontractforaleaseofpremises. a. intheterritorydescribedinabove; However,thatportionofthecontractfora (2) Theactivitiesofapersonwhosehome leaseofpremisesthatindemnifiesany a isintheterritorydescribedin. personororganizationfordamagebyfire, above,butisawayforashorttimeon lightningorexplosiontopremiseswhile yourbusiness;or rentedtoyouortemporarilyoccupiedby (3) "Personalandadvertisinginjury"youwithpermissionoftheowneris offensesthattakeplacethroughthesubjecttotheDamageToPremises InternetorsimilarelectronicmeansofRentedToYoulimitdescribedinSection D. communicationÎLiabilityandMedicalExpensesLimits ofInsurance. providedtheinsured'sresponsibilitytopay b. damagesisdeterminedintheUnitedStatesofAsidetrackagreement; America(includingitsterritoriesand c. Anyeasementorlicenseagreement, possessions),PuertoRicoorCanada,ina includinganeasementorlicense "suit"onthemeritsaccordingtothe agreementinconnectionwithconstruction substantivelawinsuchterritory,orina ordemolitionoperationsonorwithin50 settlementweagreeto. feetofarailroad; 7. "Electronicdata"meansinformation,factsor d. Anyobligation,asrequiredbyordinance, programs: toindemnifyamunicipality,exceptin a. Storedasoron;connectionwithworkforamunicipality; b. Createdorusedon;or e. Anelevatormaintenanceagreement;or c. Transmittedtoorfrom f. Thatpartofanyothercontractor agreementpertainingtoyourbusiness computersoftware,includingsystemsand (includinganindemnificationofa applicationssoftware,hardorfloppydisks, municipalityinconnectionwithwork CD-ROMS,tapes,drives,cells,data performedforamunicipality)underwhich processingdevicesoranyothermediawhich youassumethetortliabilityofanother areusedwithelectronicallycontrolled partytopayfor"bodilyinjury"or"property equipment. damage"toathirdpersonororganization, 8. "Employee"includesa"leasedworker". providedthe"bodilyinjury"or"property "Employee"doesnotincludea"temporary damage"iscaused,inwholeorinpart,by worker". youorbythoseactingonyourbehalf. 9. "Executiveofficer"meansapersonholding Tortliabilitymeansaliabilitythatwouldbe anyoftheofficerpositionscreatedbyyour imposedbylawintheabsenceofany charter,constitution,by-lawsoranyother contractoragreement. similargoverningdocument. f. Paragraphincludesthatpartofany 10. "Hostilefire"meansonewhichbecomes contractoragreementthatindemnifiesa uncontrollableorbreaksoutfromwhereitwas railroadfor"bodilyinjury"or"property intendedtobe. damage"arisingoutofconstructionor demolitionoperationswithin50feetofany 11. "Impairedproperty"meanstangibleproperty, railroadpropertyandaffectinganyrailroad otherthan"yourproduct"or"yourwork",that bridgeortrestle,tracks,road-beds,tunnel, cannotbeusedorislessusefulbecause: underpassorcrossing. a. Itincorporates"yourproduct"or"yourwork" f. However,Paragraphdoesnotinclude thatisknownorthoughttobedefective, thatpartofanycontractoragreement: deficient,inadequateordangerous;or FormSS00080405Page21of24 BUSINESSLIABILITYCOVERAGEFORM (1)(1) Thatindemnifiesanarchitect,Powercranes,shovels,loaders, engineerorsurveyorforinjuryordiggersordrills;or damagearisingoutof: (2) Roadconstructionorresurfacing (a) Preparing,approvingorfailingtoequipmentsuchasgraders,scrapers prepareorapprovemaps,shoporrollers; drawings,opinions,reports, e.a.b.c.d. Vehiclesnotdescribedin,,,or surveys,fieldorders,change abovethatarenotself-propelledandare orders,designsordrawingsand maintainedprimarilytoprovidemobilityto specifications;or permanentlyattachedequipmentofthe (b) Givingdirectionsorinstructions,followingtypes: orfailingtogivethem,ifthatisthe (1) Aircompressors,pumpsand primarycauseoftheinjuryor generators,includingspraying, damage;or welding,buildingcleaning, (2) Underwhichtheinsured,ifangeophysicalexploration,lightingand architect,engineerorsurveyor,wellservicingequipment;or assumesliabilityforaninjuryor (2) Cherrypickersandsimilardevices damagearisingoutoftheinsured's usedtoraiseorlowerworkers; renderingorfailuretorender f.a.b.c.d. Vehiclesnotdescribedin,,,or professionalservices,includingthose abovemaintainedprimarilyforpurposes (1) listedinaboveandsupervisory, otherthanthetransportationofpersonsor inspection,architecturalor cargo. engineeringactivities. However,self-propelledvehicleswiththe 13. "Leasedworker"meansapersonleasedto followingtypesofpermanentlyattached youbyalaborleasingfirmunderan equipmentarenot"mobileequipment"but agreementbetweenyouandthelaborleasing willbeconsidered"autos": firm,toperformdutiesrelatedtotheconductof (1) Equipment,ofatleast1,000pounds yourbusiness."Leasedworker"doesnot grossvehicleweight,designed includea"temporaryworker". primarilyfor: 14. "Loadingorunloading"meansthehandlingof (a) Snowremoval; property: (b) Roadmaintenance,butnot a. Afteritismovedfromtheplacewhereitis constructionorresurfacing;or acceptedformovementintoorontoan aircraft,watercraftor"auto"; (c) Streetcleaning; b. Whileitisinoronanaircraft,watercraftor (2) Cherrypickersandsimilardevices "auto";or mountedonautomobileortruck chassisandusedtoraiseorlower c. Whileitisbeingmovedfromanaircraft, workers;and watercraftor"auto"totheplacewhereitis finallydelivered; (3) Aircompressors,pumpsand generators,includingspraying, but"loadingorunloading"doesnotincludethe welding,buildingcleaning, movementofpropertybymeansofamechanical geophysicalexploration,lightingand device,otherthanahandtruck,thatisnot wellservicingequipment. attachedtotheaircraft,watercraftor"auto". 16. "Occurrence"meansanaccident,including 15. "Mobileequipment"meansanyofthefollowing continuousorrepeatedexposuretosubstantially typesoflandvehicles,includinganyattached thesamegeneralharmfulconditions. machineryorequipment: 17. "Personalandadvertisinginjury"meansinjury, a. Bulldozers,farmmachinery,forkliftsand includingconsequential"bodilyinjury",arising othervehiclesdesignedforuseprincipally outofoneormoreofthefollowingoffenses: offpublicroads; a. Falsearrest,detentionorimprisonment; b. Vehiclesmaintainedforusesolelyonor nexttopremisesyouownorrent; b. Maliciousprosecution; c. Vehiclesthattraveloncrawlertreads; d. Vehicles,whetherself-propelledornot,on whicharepermanentlymounted: Page22of24FormSS00080405 BUSINESSLIABILITYCOVERAGEFORM c. Thewrongfulevictionfrom,wrongfulentryWorkthatmayneedservice,maintenance, into,orinvasionoftherightofprivatecorrection,repairorreplacement,but occupancyofaroom,dwellingorwhichisotherwisecomplete,willbe premisesthatthepersonoccupies,treatedascompleted. committedbyoronbehalfofitsowner, The"bodilyinjury"or"propertydamage" landlordorlessor; mustoccurawayfrompremisesyouown d. Oral,writtenorelectronicpublicationoforrent,unlessyourbusinessincludesthe materialthatslandersorlibelsapersonorselling,handlingordistributionof"your organizationordisparagesaperson'sorproduct"forconsumptiononpremisesyou organization'sgoods,productsorservices;ownorrent. e.b. Oral,writtenorelectronicpublicationofDoesnotinclude"bodilyinjury"or materialthatviolatesaperson'srightof"propertydamage"arisingoutof: privacy; (1) Thetransportationofproperty,unless f. Copying,inyour"advertisement",a theinjuryordamagearisesoutofa personÓsororganizationÓs"advertising conditioninoronavehiclenotowned idea"orstyleof"advertisement"; oroperatedbyyou,andthatcondition wascreatedbythe"loadingor g. Infringementofcopyright,slogan,ortitleof unloading"ofthatvehiclebyany anyliteraryorartisticwork,inyour insured;or "advertisement";or (2) Theexistenceoftools,uninstalled h. Discriminationorhumiliationthatresultsin equipmentorabandonedorunused injurytothefeelingsorreputationofa materials. naturalperson. 20. "Propertydamage"means: 18. "Pollutants"meansanysolid,liquid,gaseousor thermalirritantorcontaminant,includingsmoke, a. Physicalinjurytotangibleproperty, vapor,soot,fumes,acids,alkalis,chemicalsand includingallresultinglossofuseofthat waste.Wasteincludesmaterialstoberecycled, property.Allsuchlossofuseshallbe reconditionedorreclaimed. deemedtooccuratthetimeofthe physicalinjurythatcausedit;or 19. "Products-completedoperationshazard"; b. Lossofuseoftangiblepropertythatisnot a. Includesall"bodilyinjury"and"property physicallyinjured.Allsuchlossofuse damage"occurringawayfrompremises shallbedeemedtooccuratthetimeof youownorrentandarisingoutof"your "occurrence"thatcausedit. product"or"yourwork"except: Asusedinthisdefinition,"electronicdata"is (1) Productsthatarestillinyourphysical nottangibleproperty. possession;or 21. "Suit"meansacivilproceedinginwhich (2) Workthathasnotyetbeencompleted damagesbecauseof"bodilyinjury","property orabandoned.However,"yourwork" damage"or"personalandadvertisinginjury" willbedeemedtobecompletedatthe towhichthisinsuranceappliesarealleged. earliestofthefollowingtimes: "Suit"includes: (a) Whenalloftheworkcalledforin a. Anarbitrationproceedinginwhichsuch yourcontracthasbeencompleted. damagesareclaimedandtowhichthe (b) Whenalloftheworktobedoneat insuredmustsubmitordoessubmitwith thejobsitehasbeencompletedif ourconsent;or yourcontractcallsforworkat b. Anyotheralternativedisputeresolution morethanonejobsite. proceedinginwhichsuchdamagesare (c) Whenthatpartoftheworkdoneat claimedandtowhichtheinsuredsubmits ajobsitehasbeenputtoits withourconsent. intendedusebyanypersonor 22. "Temporaryworker"meansapersonwhois organizationotherthananother furnishedtoyoutosubstituteforapermanent contractororsubcontractor "employee"onleaveortomeetseasonalor workingonthesameproject. short-termworkloadconditions. 23. "Volunteerworker"meansapersonwho: a. Isnotyour"employee"; FormSS00080405Page23of24 BUSINESSLIABILITYCOVERAGEFORM b.(2) Donateshisorherwork;Theprovidingoforfailuretoprovide warningsorinstructions. c. Actsatthedirectionofandwithinthe c. scopeofdutiesdeterminedbyyou;andDoesnotincludevendingmachinesor d. Isnotpaidafee,salaryorotherotherpropertyrentedtoorlocatedforthe compensationbyyouoranyoneelseforuseofothersbutnotsold. theirworkperformedforyou. 25 ."Yourwork": 24. "Yourproduct": a. Means: a. Means: (1) Workoroperationsperformedbyyou (1) Anygoodsorproducts,otherthanrealoronyourbehalf;and property,manufactured,sold,handled, (2) Materials,partsorequipment distributedordisposedofby: furnishedinconnectionwithsuchwork (a) You;oroperations. (b)b. Otherstradingunderyourname;Includes: or (1) Warrantiesorrepresentationsmadeat (c) Apersonororganizationwhoseanytimewithrespecttothefitness, businessorassetsyouhavequality,durability,performanceoruse acquired;andof"yourwork";and (2)(2) Containers(otherthanvehicles),Theprovidingoforfailuretoprovide materials,partsorequipmentwarningsorinstructions. furnishedinconnectionwithsuch goodsorproducts. b. Includes: (1) Warrantiesorrepresentationsmadeat anytimewithrespecttothefitness, quality,durability,performanceoruse of"yourproduct";and Page24of24FormSS00080405