PROOF OF INSURANCE (2023 - 2023) CLOSEDACC>RV CERTIFICATE OF LIABILITY INSURANCE
DATE (MMIDD/YYYY)
1/24/2023
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 be endorsed. If SUBROGATION IS WAIVED, subject to
the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the
certificate holder in lieu of such endorsement(s).
PRODUCER
VTC Insurance Group
37000 Grand River Ave Ste 150
Farmington Hills MI 48335
CONTACT NAME. Trena McCauley
PHONE (248)471-0970 n� N0: (24E)471-0641
EMAIL tmccauley@vtcins.com
ADDRESS:
INSURER $ AFFORDING COVERAGE
NAIC #
INSURERA:Great Northern Ins Com an
20303
INSURED
ENCO Systems Inc
41551 W. 11 Mile Road
Novi MI 48375
INSURER. B. Federal Insurance COm an
20281
INSURER Ca Scottsdale Indemnity Cog22ny
15580
INSURER D:Lloyd 's of London
INSURER E
INSURER F t
COVERAGES CERTIFICATE NUMBER:22-23 Master Liab 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 CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAYBE 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,
INSR
LTR
TYPE OF INSURANCE
ADDL
SUBR'
POLICY NUMBER
POLICY EFF
MM/ NYYY.
POLICY EXP
MM/DD/YYYY
LIMITS
X COMMERCIAL GENERAL LIABILITY
EACH OCCURRENCE
$ 1,000,000
A
CLAIMS -MADE � OCCUR
DAMA TO RENTED
PR IS. $ a occurrence
,W
1,000
$ 000
X
Y
35794280
6/1/2022
6/1/2023
MED EXP (Any one person) —
$ 10,000
PERSONAL &ADV INJURY
$ 1,000,000
GEN'LAGGREGATE LIMITAPPLIES PER:
GENERAL AGGREGATE
$ 2,000,000
X POLICY PRO• LOC
JBCT
PRODUCTS COMP/OPAGG
$ 2,000,000
Employee Benefits
$ 1,000,000
?J7fiH S:R"
AUTOMOBILE
LIABILITY
COMBINED SINGLE. Li'MI I
Ea ac I eml
$ 1 , 000,000 '..
Ix
BODILY INJURY (Per person)
BODILY INJURY (Per accident)
$
$
ANYAUTO
ALL OWNED SCHEDULED
AUTOS AUTOS NON -OWNED
AUTOS AUTOS
Xy
73562672
6/1/2022
6/1/2023
PROPERTY DAMAGEHIRED
Per ksr6denp
$
Underinsured motorist combined sir
$ Included
X
UMBRELLA LIAB X ,OCCUR
EACH OCCURRENCE
$ 2,000,000
B
EXCESS LIAB CLAIMS -MADE
AGGREGATE
$ 2,000,000
DED RETENTION $
$
79817570
6/1/2022
6/1/2023
B
WORKERS COMPENSATION
AND EMPLOYERS' LIABILITY Y / N
ANY PROPRIETOR/PARTNER/EXECUTIVE ���.�y�
OFFICER/MEMBER EXCLUDED? L.�_7
(Mandatory in NH)
N / A
y
71710197
6/1/2022
6/1/2023
X PER H-
T. R
E,L, EACH ACCIDENT
$ 500,000
El DISEASE- FA EMPLOYEE
$ 500,000
E L DISEASE- POLICY LIMIT
$ 500,000
If yes, describe under
DESCRIPTION. OF OPERATIONS below
C
Cyber & Professional Liability
EKI3431353
5/22/2022
5/22/2023
Combined Limit $2,000,000
D
Excess Cyber & Tech E&O
'.. ESK0039467243
5/22/2022
5/22/2023
Limit $1,000,000
DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
Name of Project - enCaption buyout (enCaption is one of our software lines) - Where required by written
contract, City of EL Segundo, it's respective elected officials, officers, employees,agents and
representatives are add11 insured's for General Liability (GL) as respects ongoing operations on a
primary & non-contributory basis and add11 insured with respects to Automobile liability. GL, Auto &
Workers Comp policies include waiver of subrogation on behalf of the additional insured as required by
written contract and where allowed by law. Umbrella/Excess liability coverage follows form over GL, Auto
& Employers Liability. Insurer will endeavor to mail 30 days written notice of cancellation to the
CERTIFICATE HOLDER
CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
City of EL Segundo
350 Main Street
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
ACCORDANCE WITH THE POLICY PROVISIONS.
El Segundo, CA 90245
AUTHORIZED REPRESENTATIVE
William Grimshaw/TMCC
0 1988-2014 ACORD CORPORATION, All rights reserved.
ACORD 25 (2014/01)
INS025 (201401)
The ACORD name and logo are registered marks of ACORD
COMMENTS/REMARKS
certificate holder for the additional insured, however, failure to do so will impose no
liability of any kind upon the insurer or its agents or representatives..
I OFREMARK COPYRIGHT 2000, AMS SERVICES INC. I
EZ H U E3 EV General Liability
Contract
Please read the entire policy carefully. The terms and conditions of this insurance include the
various sections of this contract: Coverages; Investigation, Defense And Settlements;
Supplementary Payments; Coverage Territory; Who Is An Insured; Limits Of Insurance;
Exclusions; Conditions; and Definitions, as well as the Declarations, Common Policy Conditions
and any Endorsements and Schedules made a part of this insurance.
Throughout this contract the words "you" and "your" refer to the Named Insured shown in the
Declarations and other persons or organizations qualifying as a Named Insured under this contract.
The words "we," "us" and 'bur' refer to the Company providing this insurance.
In addition to the Named Insured, other persons or organizations may qualify as insureds. Those
persons or organizations and the conditions under which they qualify are identified in the Who Is
An Insured section of this contract.
Words and phrases that appear in bold print have special meanings and are defined in the
Definitions section of this contract.
Coverages
Bodily Injury And Property Subject to all of the terms and conditions of this insurance, we will pay damages that the insured
Damage Liability becomes legally obligated to pay by reason of liability:
Coverage imposed by law; or
• assumed in an insured contract;
for bodily injury or property damage caused by an occurrence to which this coverage applies.
This coverage applies only to such bodily injury or property damage that occurs during the
policy period.
Damages for bodily injury include damages claimed by a person or organization for care or loss of
services resulting at any time from the bodily injury.
Other than as provided under the Investigation, Defense And Settlements and Supplementary
Payments sections of this contract, we have no other obligation or liability to pay sums or perform
acts or services under this coverage.
Advertising Injury And subject to aaH of the tern -is andconditions of this insurance, we, will. pay darraac-,es tl�at Lhe insurred
Personal Injury Liability )econaes lcagally obligated to pay by Yeason of li.al ifity�
Coverage " irnp used Iay l.aaw!, or
assuaxsaecfl in an insured r.onlurarcl;
for ad. erlu,si.ng in juicy or Ip rsoual uin,jutry Lo which ffii,s coverage rzpapl.i.es.
This coverage ap p iica only to such advertising injury or gp eirsonal unjuury caused pry an offensse
uhaat is fi:rsL corninitted dari.u:ip; the policy p,e iod..
Other Lhan as provided under (he Investi.p ati.oin, Defenw And Se,L11.a�,rn.cn7 s and. ,Sup pl.ernerata:ry
Pauyrrients sections of this contract, we have rasa other obligation or liaabUay to p ,,ay sure; cal 1perfozrv:
acts car services urude~ this cczvenige.
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 3 of 32
.... .
Coverages��°�
(continued)
Medical Expenses Subject to all of the terms and conditions of this insurance, we will pay medical expenses for
Coverage bodily injury caused by an accident to which this coverage applies:
• that takes place on premises rented to or owned by you; or
• in connection with your operations;
provided that such:
• accident occurs during the policy period;
• expenses are incurred and reported to us within three (3) years of the date of the accident;
and
• person who sustained such bodily injury submits to examination, at our expense, by
physicians of our choice as often as we reasonably require.
We will make these payments regardless of fault.
We have no other obligation or liability under this coverage.
Investigation, Defense Subject to all of the terms and conditions of this insurance, we will have the right and duty to
And Settlements defend the insured against a suit, even if such suit is false, fraudulent or groundless.
If such a suit is brought, we will pay reasonable attorney fees and necessary litigation expenses to
defend:
the insured; and
• if applicable, the indemnittee of the insured, provided the obligation to defend, or the cost of
the defense of, such indemnittee has been assumed by such insured in an insured contract.
Such attorney fees and litigation expenses will be paid as described in the Supplementary Payments
section of this contract.
We have no duty to defend any person or organization against any suit seeking damages to which
this insurance does not apply.
We may, at our discretion, investigate any occurrence or offense and settle any claim or suit.
Our duty to defend any person or organization ends when we have used up the applicable Limit Of
Insurance.
Supplementary Subject to all of the terms/and conditions of this insurance, we will pay, with respect to a claim we
Payments investigate or settle, or a suit against an insured we defend:
A. the expenses we incur.
B. the cost of:
bail bonds; or
2. bonds required to:
a. appeal judgments; or
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 4 of 32
C FA U B B" General Liability
Supplementary b. release attachments;
Payments but only for bond amounts within the available Limit Of Insurance. We do not have to -
(continued) furnish these bonds.
C. reasonable expenses incurred by the insured at our request to assist us in the investigation or
defense of such claim or suit, including actual loss of earnings up to $1000 a day because of
time off from work.
D. costs taxed against the insured in the suit, except any:
1. attorney fees or litigation expenses; or
2. other loss, cost or expense;
in connection with any injunction or other equitable relief.
E. prejudgment interest awarded against the insured on that part of a judgment we pay. If we
make an offer to pay the applicable Limit Of Insurance, we will not pay any prejudgment
interest based on that period of time after the offer.
F. interest on the full amount of a judgment that accrues after entry of the judgment and before
we have paid, offered to pay or deposited in court the part of the judgment that is within the
applicable Limit Of Insurance.
Supplementary Payments does not include any fine or other penalty.
These payments will not reduce the Limits Of Insurance.
Our obligation to make these payments ends when we have used up the applicable Limit Of
Insurance.
Coverage Territory This insurance applies anywhere, provided the insured's responsibility to pay damages, to which
this insurance applies, is determined in a suit on the merits brought in the United States of America
(including its possessions and territories), Canada or Puerto Rico, or in a settlement to which we
agree.
" gip 19,,u111n hisured
Sole Proprietorships If you are an individual, you and your spouse are insureds; but you and your spouse are insureds
only with respect to the conduct of a business of which you are the sole owner.
If you die:
persons or organizations having proper temporary custody of your property are insureds; but
they are insureds only with respect to the maintenance or use of such property and only for
acts until your legal representative has been appointed; and
your legal representatives are insureds; but they are insureds only with respect to their
duties as your legal representatives. Such legal representatives will assume your rights and
duties under this insurance.
Liability Insurance
�Form 80-02-2000 (Rev. 4-01) Contract Page 5 of 32
Who Is An Insured �
(continued)
Partnerships Or Joint If you are a partnership (including a limited liability partnership) or a joint venture, you are an
Ventures insured. Your members, your partners and their spouses are insureds; but they are insureds only
with respect to the conduct of your business.
Uh
o 1 ACU I ,� I i�I11 1, ,uaCs I III „IIu Ii�1,t1 r �)uail),IIG ,yU :I ��A10 „eau Enna uuurr Il. "`a oifI Iuicnihca. i.r��Irl uiII ^ lao , . �
0;v;u11r d i P� i",;�� !y0'�"
ccrrtpai'BJ;( „„f runitimm-v ds, I 141"!J Hrc 11n!s�m.19V1'I=Wk l„i' l'V ViIiiI Su,"I1 cl to dIc ",(hl'Nfif . of v JVIII "!CuIw
:i.I'll ,. "I Vll.g,cr^
nr lns nvd" huIr+3 un unvs tuf ws7co lofl (IPul '6� tipthei" O1gani7ations If you ;are; an or�l;a nia;a.t'io�n (incl.rsci�i:rnp; a prof�cssi.onal corporation.) other thm a parrtr"e r udpn, loirat
ve,unwre or dr rn�au.cd ➢iaahiliiy corn:pany, you are an insured. Your cfircctors <u..rnd. of.l icers are ivasur°eds�
but tlne,y arnw, luI only willh roopect over LGaa;i.:r cirr ies ;as your (urne;utor�s or olfl>iceirs. Your
stool'<:B: oidory; arid.. rhze h- spouses are insulr•eds; buL they we insureds only wwitltr ra,apect to their
habihl y as youra stockholders,
Your ennrnployee.s are insureds; lknunt they are insureds ourXl.y for acts within the scope of their
ernpl.oyrne Int lay you or while perfor rninng duties tella.ted to tine condutet of your lushness,
trfovwcv,e,r, no errnpnloyee is an insuuured. for:
,(N, l: odlily injury, ad),erflsing injury or 1perwsoinal injury:
to you, to a.r,y of your cdsue;etors rruaa..nnage rs, rrne;rTA)ers, officers cers or pnaarrruers (vvhelhe;r or
neat an errip loyee) or to any a,o- ernployee vwhi➢.eJ surcii iinjured person is cAllaer in L[ie
course or: his or her ermplenyarae,m or while p,e;rfor min > efraaiv s related to tIle a; o ncduer of
your business-,
2 to 6ic larorllaer, child, parent, sister or spouse of sunch ire arare d person as a. cornsea: peace
of any injury cl.escr btd.. in sa.!bp%fapranph A.1. above; or
for which there is any ohligation. ro shares cdaarruaaf;es with i.)r repay son:re;orne else who
rr.wst pay edarn c s because ofany injury de;scsibed hl rsuubpai ap;raphs A, I. or A-1
above.
With respect to bodily injury only, this limitation does not apply to:
you or to your directors, managers, members, olFicers, partners or supervisors as
insureds; or
• your employees, as insureds, with respect to such damages caused by cardio-
pulmonary resuscitation or fast aid services administered by such an employee; or
B. property damage to any property owned, occupied or used by you or by any of your
directors, managers, members, officers or partners (whether or not an employee) or by any
of your employees.
This limitation does not apply to property damage to premises while rented to you or
temporarily occupied by you with permission of the owner.
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 6 of 32
H U B B® General Liability
Who Is An Insured
(continued)
Volunteers Persons who are volunteer workers for you are insureds; but they are insureds only for acts within
the scope of their activities for you and at your direction.
Real Eskite Managers p°:,"sods �,uffi ;l 6h�w mull e111:0:qfl[oiyee„I � IVV V.i t°i�Itlr" gIVl;CI'i'll n M4,���9 �� at ym:ir real csffi!pll. �VV: Vutii:;I P�, MT
irm'par'WIIIIII"Mds� hull diet Iiaw OIIlivaiIilreds ol`rpov'iih respVP (r. � o tllM"Ilr I,',a.l.Oac, 4S'w"orlllr Cradd 611�" �r�f" CTn:fnr1,n,� l°I:n"ti.
Pe9"nl'Fita'sive" Users, Of With respect to umu,unlll Mule espuitpmuemntu registered in your una..rne under a rarorton vclncle; registration l urv:
Mobile E tit niter
� A. persons etrirrinp; such. equiparnerrt_ on rn public, road wvltin your permission are insureds; arid.
P. persons or organizations responsiblle, for the conduct of such persons described in
sunbparcagra.ph A. above are insureds; but they are insureds only wi.tkr respect to hie operatiopril
of the, equipment nmd only it [top other insurance of any kind is available 1..0 theirru,
p...loo ever, no person or orgazrization is am insured with respect to:
bodily injury to any co -employee of the person. driving the ecpuuipaninent, or
property damage to any property owned or occupied by or leaned or rented to you, or in
your charge or tine cluarge of the e,rnppoyer of any person who is an insured under this
provision,
Vendors persons or onganiz-ations who are vendors of your products are lilmrsureds; but: ih y are ins-uprmds
only with respect to their liability for damages for bodily injury or property damage result:.ilcng
fronrr the distribution oor.. sale ofyour products in the regular course of their business and only if this
i nsuirance applies to the products copmrmppl.eked operations hazard,
However, no such parson or organization is an insured with respect to any.
assumption of liability by therm in a contract or agreement. J.'his limiRation does ncat apply to
the liability for damages for hopdil.y injmnlnry or property ilraviria.ge, that such ✓eridor would
have in the absence of ,such contract or agreement,
representation or warra.nrty unauthorized by you;
physicall or chemical change in, your products made intentionally by hie vendor;
repackaging, unless unpacked solely fc)r the purpose of inspection, derxno:aui,stra.ti.on or teslinng,
or tire substuritioui of parts render instruction front. the manufacturer and (lien repacked in the
oaniginal c;ontaairrer;
failure to rnnake such inspections, adjusstrruerrts, WAS orservicing g as the vendor has agreed) to
make or normally undertakes to ran.cake in the tisua.l course of business in c.-o=cticon with tkne,
distribution or ,s„.ii.e of your products-,
denn.ornstrationr, installation, servicing!; or repair operations, except: such opremi..i.« ns perfonrnned
at the vendor's prerrilse;s in connection with the sale of your- product&; or
of your products, which, after dist.ributioon or. sale by you, have been labeled. or relabeled or
used as a container, Ingredient our part of any other thing on substance by our For the vendor.
Liability Insurance
m BO 02 P000 (Rev. 4-01) Contract Page 7 of 32
Who Is An Insured
Vendors Further, no person or organization from whom you have acquired your products, or any container,
(continued) ingredient or part entering into, accompanying or containing your products, is an insured under
this provision.
Lessors Of Er,t?'.eipm enI °r,r ,,ails or rrr,y�rrr'!,'a,Uiorrl lrorii v)Ii To yna lease' t°,lL.i`ulrITir,Ir4; moo, iuumuunua,ds� , l+nr IITe,y uii"e ilinsuureds onr y,
lviIfi I' ;Sp, OCI to Lfic In,.ti ntcri lirc , of usc l7"y, ' vtrlr of such r.°ryLntl?r„ymro uc'"aul or) i'Iyurir iar,i; con i,T,uc:r,I Iil4'.
ali ,afr�; 4o yrl,av de IIic,Iar ,a�tll ,��1.tdi IIlsr,r'arr a as is �Ji`,al'(A�ri ir'y [p1k r,i,lr1ru.«,;,P:,
IClowever, no such person. or ori;aaaieationu is an insured�v'WI.1, respect u.) any:
darnages e,s ari.sinnt; out off their sole, me g ide nce; on
occurrence Lhat occurs, or ot'teiris , that is corn.runi.tte d, after iahe equipment lease ends.
P a. scv "u" G 8 ni z a ��CeI,a4. ns oT or,p',IT11.: ,'4i1ons lb� iIn erllrr)rrn y,1111 leans piic"rn7 , s Asir; IIIIIInaliarc:ie„ �7IIt t�l'lAy Ti;'S y
b�f i"u,r"MlA"t� , nuu",uueauial
0C t" real ' uticli ll,t > art ril` �SII lLh �,�enJxe,, le��: s, %; ..
art 1 La,,i�°,t;r'41n�, th�re,,,srre�u°e�'I�111 nr4P�n,��.rnr+�urerlr,,.w�.a,rin'�rie' IL"' I I trr
yo i) and t':+ilpy A yyr', t irt, 0-)T11r,'LC(U1I y Ubl�dau4l d w pr,r;,MIl Riernn lwyitl'u siI h IiIDSIMullCC' u,. is ,atlolx1c'(:'l
by J1 s corltroct,
Nr,+,a ;olca an soich Ini,,!r,oii or+ rpr1'16r,otioo is an hisuuruad v,)il'h In„ wlra+c: m rarayr;
a'k,niI.r}g, r rr i, luryt er'L.ul ,,f lyr l:u" r„lw, ncdl�l'r 1�1,
occurrence that occurs, or offense tlhea.t is corunrihmed, after you cease to he a. tenant in dpic
prerthsG".4; or
structural a terartiona, new construction or dennolitiona operationrs pertorrned by or on behalf of
them
a q:p' Sa"(",da+ak"hr"tl,)l t - Ne!d"tslly here Is no o Ihe'°,r IAisiI irauncc gun iall* Ore pn,Hovr ,onay eeu°lyren�',,u Ioiis `,vifl ep1ijafipy� as rnnannml fiis ureds
Acquired OFormed
.
a sajta;iulaary uPwide f urstrayiI11 11I1 Iiuuuuaeuur°eui siaa�nr u,1:u spray i,�t°� pMrr�No.r�.at�s o �u itie�l"ti, ua,ue
or dt` izal'ye in the herjov&(Iig &A 6he p oficy pu.nna d ::lld "'rt the ttruv 01 WSN, So.iCh lirsl 11101Wd himi red vosil,rois,
o, Ilheu dilonra U)i or (rnnofiTccIillwyr, rriore tkruou Mlre.rt cnt 0 tlhne I nwresus n°uuViltir;(ll sa vote;
gard'.ncr aipy nil dho e° e°n:tiour I th l^,n`'vcnruuuon ; boa iyr a' SIIr 111 a1111"
Yhc e
.; s y nruy ai Oi ,�nQnon nap pyu�n'�`t n arr�ed fits ur mrd ;�rollioiwn ilrr Ow Il te�dai r� l°lorT n tlran such iur-A.
pia nen; I =o•
nruv'nuo d insured ",,,quuke, or loru una; dur, Ore llx'olhc)° pca i icjd ii-rnu the G.nrou o[ loss Such Or,'t
ri�unne.a insured i°a;nlro k, (�tu `hc,n Oren Uy, or iron irccWY, runouk i n hfflyy (50) yra,rccunu a,'i aIc
uIfl ws, s CuILWeJ to e'oc gernenaRy pnu ehc cllccO oun of OTT haoN'orrtr nad P,aran:Vy of surrala irrd n.nni. nd(rnrlri.
I...it9"Watio Nod On Who is An A, I`;u.G ep; [o Itic euAeffl Ipiruoi' Hero lunder the SIIII�*Ati 'ary+0� do.nllur'irrrrop Or Il[roirnnieai.
Cetszired 0Tgn anreauu, 11s yrrnaarklon .abo�vc„ no 11rei roun nonrnau;;annlzxoon is t'au ilunvoae°ed welter r�u^,i ccA co:" uprle,
r,v.;pnn„ pnn"P aht' Gellly per"!:on ui or-? r"III,"ra11ofl Thai is liw'YV. uhOINH IS n ]`IlWTICXa.lh;USY11" o LH 01C
DeclaII wura uns.
B. No person or organization is an insured with respect to the:
ownership, maintenance or use of any assets; or
2. conduct of any person or organization whose assets, business or organization;
Liability Insurance
rm 80-02 2000 (Rev. 4-01) Contract Page 8 of 32
U B B° General Liability
Who Is An Insured
Limitations On Who Is An you acquire, either directly or indirectly, for any:
Insured bodily injury or property damage that occurred; or
(continued)
• advertising injury or personal injury arising out of an offense first committed;
in whole or in part, before you, directly or indirectly, aquired such assets, business or
organization.
Limits Insurance 'fhe l..,l.rnits Of Insurance shown. in the Declarations and the rues bellow fnx the armost we, will pay,
regardless of the norrnberof:
General Aggregate Limit
Products-Cornj:')tett,d
Operations A( regate
i...trrttt"
Advertising Injury And
Personal Injury Aggregate
Limit
t..aach Or;CLM'16�1We i...trrtti
insureds;
claims made or suits brought; or
persons or organizations making claims or bringing suits.
The Limits Of Insurance apply separately to each consecutive annual period and to any remaining
period of less than twelve (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 twelve (12) months. In that case, the additional period will be deemed part of the last
preceding period for purposes of determining the Limits Of Insurance.
Subject to the Each Occurrence Limit, the General Aggregate Limit is the most we will pay for the
sum of:
damages for bodily injury and property damage, except damages included in the
products -completed operations hazard; and
medical expenses.
II,Il9r "vc �:viH Mi Jhc sMiIII u(rh,a:N'll I, us b4ww;ldi un�Iiw,r <uu .l luuaulu rly mlww.uwwlge rlI,li;:lnl:,il. it Ir11;
h:7r od ua tl 3r:uuuuwlak ,o-:.ul op m•u�'tluuu6 hazard
The Advertising Injury And Personal Injury Aggregate Limit is the most we will pay for the sum of
damages for advertising injury and personal injury.
I'lic � 1'7k7 � , )cc 1II rC;CI„�, l M I I I I I I � 1IIc' Irl ,1 rr'(; "I II IrrJ"' (ul IhI(° ;�II111 � ) � :
�Ifn a'c hnouatuli irij °ir)) :w d Ihi rrupvw 4y ir,:an u,i;e_ s[nl.
,L:I,i h uli r w ii icvurireum e,
tlr II110:11ii nmmaloa_,d e�qwlvu vs „ill
IH,�a,llolul�,
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract
Page 9 of 32
__ ____ _. . .. .... ...... .......... ..... ..
Limits Of Insurance
Each Occurrence Limit If the applicable aggregate limit has been reduced to an amount that is less than the Each
(continued) Occurrence Limit, the remaining amount of such aggregate limit is the most that will be available
for any other payment.
Vaivngp lo Preintses S I i I W I, Ic P'ac I I Oucii I �rn, I"(° M LPINYV, 0V C, V )dI` H :� " 2ar 'h 1 11:110111! II'sus Rc�w,,r I To Jai I- i 's �I Ib,� d I' I o"'L
�,Vc o�� III c, �5 I a L o F( t Lt �, I �,�o cs h rol[lerily a III III i:a�ll e k a� I Y ¢ H C, NI- u I �cVr, 11 k,rI o Vc, [ 11
err 1 c [I ao I aGlV �rcc I I p Y� )(I v, i pul I ii on I K, 0 M k t
kledical EYponsels 11r11n,N9Io 0vII?Ad()�:mmuucc 1,0T14, Ji,,� u"XpC'nscs tic III W�,,',VW pay 1fo4
St:rr sic uiedi+al vXpenses, tiiideIMc(ficJ 11XrUPSCS cwv'ur;o,,c. Ion IlIodflv iinjuin :rly s1111y
Bodily Injury/Property
.. .... . ...
None of the following exclusions, except "Contracts", "Expected Or Intended Injury" and "Loss In
Damage Exclusions
Progress", apply to property damage to premises while rented to you or temporarily occupied by
you with permission of the owner.
Aircraft, Autos Or
This insurance does not apply to bodily injury or property damage arising out of the ownership,
Watercraft
maintenance, use (use includes operation and loading or unloading) or entrustment to others of
any:
• aircraft;
• auto; or
• watercraft;
owned or operated by or loaned or rented to any insured.
This exclusion does not apply to:
A. a watercraft while ashore on premises owned by or rented to you;
B. a watercraft you do not own, provided that it:
1. is less than fifty-five (55) feet long; and
2. does not transport persons or cargo for a charge;
C. the parking of an auto on premises owned by or rented to you, provided the auto is not
owned by or loaned or rented to you or the insured;
D. the liability for damages assumed in an insured contract resulting from the ownership,
maintenance or use, by others, of an aircraft or watercraft;
E. the operation of the equipment described in subparagraphs F.2. or F.3. of the definition of
mobile equipment; or
F. an aircraft you do not own, provided that:
1. the pilot in command holds a currently effective certificate, issued by the duly
constituted authority of the United States of America or Canada, designating that
person as a commercial or airline transport pilot;
Liability Insurance
Form 80-02-2000 (Rev_ 4-01) Contract Page 10 of 32
EZ H U 6 B* General Liability
Aircraft, Autos Or 2. it is rented with a trained, paid crew; and
Watercraft 3. it does not transport persons or cargo for a charge
(continued)
Alcoholic Beven-ige '7 - YPc 11 Hs' juslar"mce du's iaoapply to boriddy injillry or 1xrojjert'v (13111.1ge foil Mlch any hisiTilred may be,
Busing s,ses held fiabLe, iay reasoll oE�
causiqu oil coniitiming if), uic, umcjxk',afiorl of any jjwrsml;
hjrrikriing alcotvjl'ic do velr,,,ugcs lo a ami-son wander Vhe Jt,,cjnl d6nlruno ar,c, oimider fIie
urrflijericc of &,cohoL� ur
ally staww' mdirlucc orqida6on re+ming to Ole Sale, gpft, dps6brt(kxi oil- use offlcnholkc
he.a'c,ragcs
Thu; (mclms�rjn 'qrpfics oifly cf you arf, hu flit business of manufaclunii1g, dklributkig, sclklp,, sell-ving
or bevcraglm.
Contract,,I� Ifus re 1usurdu we does mx ray pi y to Ilh odily injury of properly damage Ilor vvliich Glum, imsured is
w 1pay daniagles, pry ruason ot assimq:)(ficm of haIWJcy 41 as coinlmd or agrooll-1110M ,
`p'fljs (sxc usii)jjn does no apply to Oie, habilily fio, d'unages:
that such hisured would hav(-, uir fl-ic abscrice of such uluirld Or a0areenicrlr oiu
moiilrlled In a�m ond or wil Ilqlul olintrad or aoreemerrl'ILfiw is, an insuired conh-act, provkJod fhc
19offily injimirY or pirfq!!i1erty daiinage, lo wlkh phis iilsurwiice apphes, occuis after dic
c.A,ccukn oll soch conipirao of avreomcn�
Darrage To Alienated 'riiis uiiisimuicu, does not apilAy Vo Imrapeiidy damage 110 aily prcniiu ,s ywl se,1111, Pave away of abaridon,
Prpmises if flIke, pir"qpeirty damiage ar&s ClIL of Mly pNX-L OfthOS'C
cxclusion does not apply if Uic pmmu�aes we volair Nvork awtvvere nevey occupiod, renled or
pw,irf [or remal In you
Y
I kln''Ia'ge I o /n paired Flds ,Jlsurmcc "incs not ap-.Jlly to jjlrq �wirty dainage w!
Pr"rity, Or Propart��,, Not
flhysicaUy ?njured
pmpuc q Mini h�is ooi becii .)hysic,,)fly injuEej�
a6s�niu, Olfl
&Jecl, dofl,cicllcy, sir- dafl'�IOTCMS ccimdiOoim in you piroduct or ymill, ma'kor
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 11 of 32
. . ........ ...... ... .... .......... —
Bodily
InjuredlProperty
Damage Exclusions
Damage To Impaired
Property Or Property Not
Physically Injured
(continued)
Da.rnagc, To Owned
f Iroperly
Damage To Various
A operty Of Others, (Care,
CCMft'W Or QlSkKiy)
0�,ou�a�,e Fu Yourf)v,Juu�
Damage To Your Work
Frnployer's babilhy
delay or failure by you or anyone acting on your behalf to perform a contract or agreement in
accordance with its terms and conditions.
This exclusion does not apply to the loss of use of other tangible property resulting from sudden and
accidental physical injury to your product or your work after it has been put to its intended use.
I Ik Ifislu doc; , lot h) pvjperty dannigc to oij v pn)p,,i iy uwjicd "oll.
Jhrs insut-aTlce� does, not ap,piy r,o Property darriage Lo any�
pesonal propoily loaned or rointed f,o you"
propeny held by You or 0?1 your hchIH for mle or entrusk"d Po You �,or safoI Co�[14g or stnraac�
T-O[WI-Ly 01,1 YOM J;I-C[TiSCs �'cr purposes ol p��,rforiniul�� Openfll I ons, on Such rnopcl ly by You or
Earl Your behah,�
tCwls of ust"d 0y, ymor on youir bchaffnfii pca lbjiining ajgemiuns„ or
plop ef-Ly iul YOU1, MC., Control or custody tha4 wiH he oirocw'd, jns�,,Akxi or used y11
arpouau noes by you ox uii� yonr hehalf.
Ths cxciusion does rfjtapply fU 01c, fiAM4Y fail dalniges assumcd in dsidetrack a,�,ueci:nenL
iw;11M1 WC Oc,�c�s not �rJpplv t" ' propeiriy d&inagc o) i, aiiur Ipirodhilict oi ii ci it i)i wi i,l; prj o�
FtJs inlstllauco does not apply w Property danliage ro yowir Nvorh aii�dng, our of .toii afty pum cyfit
md iiA the prodm7ts-coi[npleted operations hazaird.
fhs cu"JuMon (krcs no, ,apply rf 01C donlaged M/ork or the uausing �he dwn,,Jgu %vas Pc"Jornic"d
on yow I-)uhait'Ivry i
A. This insurance does not apply Lo bodily injury to an employee of Lhe insured arising out of
and in the course of:
1. employment by the insured; or
2. performing duties related to the conduct of the insured's business.
B. This insurance does not apply to bodily injury to the brother, child, parent, sister or spouse
of such employee as a consequence of any injury described in paragraph A. above.
This exclusion applies:
• whether the insured may be liable as an employer or in any other capacity; and
• to any obligation to share damages with or repay someone else who must pay damages
because of any injury described in paragraphs A. or B. above.
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 12 of 32
C H U B B° General Liability
Bodily
InJuredlProperly
Employer's Liability This exclusion does not apply to the liability for damages assumed by the insured in an insured
(continued) contract.
Expected Or Intended This insurance does not apply to bodily injury or property damage arising out of an act that:
Injury is intended by the insured; or
• would be expected from the standpoint of a reasonable person in the circumstances of the
insured;
to cause bodily injury or property damage, even if the actual bodily injury or property damage
is of a different degree or type than intended or expected.
This exclusion does not apply to bodily injury or property damage resulting from the use of
reasonable force to protect persons or tangible property.
Loss In Progress This, wnsuruance does naIt calaply to bodily was„fury or property damage the t�s � �hartue, umiti�cir.zR�li.d�u:�
or za yurnpt:ion of any bodily injury or property damage la:altuvutl by ,you prior to the p.mr l;i.1nin[, of
the, pofic;y period, to have occurred.,
BodBy injury or propC.uerty damage wilt be dd,erned to Inc sx:iown by you.
A., if such injury or darna r - � y � , is Idnovrru by or stzor.:ul.d lna:vc been tc:indawrz front u:rui; sl:ano.s'flincri.nt of ru.
reasonable 17c;uson in the circtarrnst:a..nces of:
1. you;
2. any ref your dtinearor s, nnariaocr,s, utuerr hers, of a eirs (cur their dcsp�?,nces) or partners
(whct,hcr or not an employee); and
B. when any person dr scribed in t:mara;?rdaph A, above:
t. reparts all, or any )[cart., ofany such injury c:rr diarriage to us or any other instir r.;
2. receiwc„s a. clair.n or a deniartdl. for ct,a:rnuaaes becaose of any su.ach injury ruir da:rnaoc; car
1 laocoake:,s amaze that any such injury or dwriage has occurred. or has Ireun to occur
7� P'4-if'ltill tie, JIrdfla e apply
�dih iu,ini y w aaiIIY auwu gv
rf lo u i rr �. e r71 ,r1 11Ld,
,;muutau cv"IIar,tl, i� �,tr, i�Ia„I M I3e lo, icd o) ix:; d l Mr tr7j;
III ls�uu:rpr:fl.
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 13 of 32
........... . . . .. . ...........
Advertising
InjurylPersonal In jury
Exclusions
Breach Of Contract
ConMwMg Mamas
cmdMAS
G'rin'te D Fraud
Expeold A k4mWed
Irywy
FAM To GoKomi I o
Reposentations Or
1,11arair ntias,
hAeowt AM%
This insurance does not apply to advertising injury or personal injury arising out of breach of
contact.
'MI Own once does no; aped M adw=% krywy w pensmall injury ufial 'n u, us ow (fl u hapm
oi an offcise [Int conimm o; mamms Mr tho Am or dio end Of LN ptky [MAXI Of�
A Vhis a sursoce, o�
B. a stall Ma-JInat, coullmmus ronmal or reptaceroerr0 oC Uns unurmicc, Uroi!
rs mss[iod w you by us or by wk affitia[e of ows;
reninaous kii aorce, ),Offlc CIx offense coil0inues,� and
3 atirMd ukuwhe MrAy m admHAnN WJU smd, pemmal hoiiiiiiry,
TVs Isurmwo dws m, poy M advmlhMg loul w1mmmal iQml Ar whra Ow hmwmEs
ohlligalc,d w pay damages by reason of asnirnpmwn o' Ilnihihq in a ccrunrct or agu(*=M,
'Das cxdhjsmorl does, uW vp�y Co mhe 1ubE4 y fo-- daamp'-'a�y
ukw siwia lmiare,(i wom hme & doe ammice or such mmimci os agnxinenr, nii
momm I I awl on coNrml ol UgWMDWa UML N MIA lJIS111111-NI C011111,111-act, prov Wed Te
adverfisfirig igdM7 m IMNMW QW7, Lo sAikli this mnmuancc appVios, N cmand Iq um
offe,iisc drA coirnmuwd Her it: mcmUm of such connacu or mgRarnmv,
116s Immancu kus nul apply si adverUshqZ Inpuy m pwmmAl irkiciii-y �ff�s4rp ow oll my MOM
or fr,miidiflenu coiidijcC0flIIIVAed -Py Or WWI Irk- C01inseni m knowlcdgc of Lke. insured,
TNs Ursumm (Was uni apphi w adverdrAng Qury m Imumonal hdmy miNg mo Mn Mnsc,
(',(-)MnLMCd by fmr 0111 13,Chiff Of flie inSCH ed, Vfmauf
mSiIIILCIIKIC(I by SuCh iiiimxred!, or
woNd be zMamd fiomi 0w Aaindporw of as reasoriable person un the
hism ed;
10 Cause hQury,
I hk hmumm Sa mg apply R; adver6shq,Z hIIIJIM":,�r 0IN111'sonal ln'Jury djim ur dw flrurc of
g "clods oll scn,,Icc,„ w imcfuito v,�N] ,dIuy chwwic, cinfl, iYT�ucir ciC (llior %q15,'SePlarNci uir
''I"UNWImy (it dmah00y, mtorw:mlca qpa,h)/ Of W"U,
Thk lug ymmce kcn m tapmyipy u) adverdming injurydam persmii:1111, 4quilly miskig oleo cf�
x,)w1,01[hII,q, cn,!�qwig, dc:,;!�:�Iin�ilg o� of�uno0wr's Uicuwt sde�
Liability Insurance
Form 8600-A000 (Rev. 4-01) Contract Age 14 of 32
CHUSBO General Liability
Advertising
--injurylPersonal-Injury
Exclusions
Internet Activities controlling, creating, designing, developing, determining or providing the content or material
(continued) of another's Internet site;
* controlling, facilitating or providing, or failing to control, facilitate or provide, access to the
Internet or another's Internet site; or
* publication of content or material on or from the Internet, other than material developed by
you or at your direction.
X X
Media Type Businesses This insurance does not apply to advertising injury or personal injury arising out of an offense
committed by or on behalf of an insured whose business is advertising, broadcasting, cablecasting,
publishing, telecasting or telemarketing.
This exclusion does not apply to personal injury caused by an offense described in subparagraphs
A., B. or C. of the definition of personal injury.
X.: Z
Prior Offenses This insurancc, does loot apply to advertising injury or personal irklury,,,uising out of any offense
first corru-nixed before the beginning of the policy period.
Publications With This insurance does not apply to advertising injury or personal injury arising out of any
Knowledge Of Falsity electronic, oral, written or other publication of content or material by or with the consent of the
insured:
with knowledge of its falsity-. or
if a reasonable person in the circumstances of such insured would have known such content
or material to be false.
Wrong Description This insurance does riot apply to advertising injury or persoinaIll injury arising out of any wrong
Of Prices description of the price of goods, products or services.
Medical Expenses
Exclusions
Athletic Activities This insurance does not apply to medical expenses arising out of bodily injury to any person
injured while taking part in athletics.
lnjuo,� T"o Insureds 'I t6s inMi ay)ce, dcjeriot qply to medical expenscs uiO oC a 'widify hnplry to "'Lloy hv!'Ilriisd
ONOTt Ma. wodwr.
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 15 of 32
Medical Expenses
Exclusions
(continued)
Nuclear Energy
Products Completed
This insurance does not apply to medical expenses arising out of bodily injury in any way related
to the:
nuclear hazardous properties of nuclear material; and
operation of a nuclear facility by any person or organization.
his ri:araI.wr+aflcc c�lr, o's lwr as �r rl t(al u:mua.dic al ass enrns es OW W" hodily, injury irns;IraGicd ill riskc
k F Y la a Gari�,isa
1, � aaalmav6:, „�°aannral'a]lamta^ml agwrstio ns Iiasus;ar(III,
Workers' Compensation This insurance does not apply to medical expenses arising out of bodily injury to any person,
Or Similar Laws whether or not an employee of any insured, if benefits for such bodily injury are payable or must
be provided under any workers' compensation, disability benefits or unemployment compensation
law or any similar law.
Policy Exclusions
Asbestos A. This insurance does not apply to bodily injury, property damage, advertising injury or
personal injury arising out of the actual, alleged or threatened contaminative, pathogenic,
toxic or other hazardous properties of asbestos.
B, This insurance does not apply to any loss, cost or expense arising out of any:
1. request, demand, order or regulatory or statutory requirement that any insured or
others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in
any way respond to, or assess the effects of asbestos; or
2. claim or proceeding by or on behalf of a governmental authority or others for damages
because of testing for, monitoring, cleaning up, removing, containing, treating,
detoxifying or neutralizing, or in any way responding to, or assessing the effects of
asbestos.
Emloyment-Reiatetd Thjsw ka s urauns,c crow noa s:prprly w any daarnargge s ,uu^:tatinod 'at a.uny uarsue lsy any p orso n, WI'lothel
Practices or not siast.flncd 'hi fhu c.auiws„c of cmprpanyuacin�C by my sinsuired rui^Jna 1, oo of, any.
a�arnjftynn.aev rsspan,u.cd race miliu;na'n, policy, Iimicti c. of rcpa use nwknl alnrnadCd aC such pca rsonr
occurring aul avho1 , or pan gram a ar ,nuyt''ian es r.nncll ldi ugg any:
I. ir°rest ala;Ca,r�ntpoll 01, iunapsr'iswur1,1.e111u;
),lana°sach ot, any express am rauririicd (.',ovontaaMr
a, a;aaoua on, u;r Casrnsaia,, I ruaaudliaa�6�:nri, puea'ra,a,t.nuunarrn s:ri� rr;tauli<.att roira,
�p (k,,G9:nisa6on or aNkpar ig cirnc.ww,
, s eil-Har ion, dl sc, ai� uCalc;, G:v&h4r.`7t➢d}i"r or a"u'rcYSa`snSalfnB%'Y(';IaY.;.
y7. Cp].Ea"C7ti"rrYl�nrs,ta.eyaa„ h ass,arncinP:nail
Liability Insurance
.J
Form 80-02-2000 (Rev. 4-01) Contract Page 16 of 32
C H U B B° General Liability
Policy Exclusions
Employment -Related 7, a. eviction; or
Practices b, invasion or other violation of any right of occupancy;
(continued)
8. failure or refusal to advance, compensate, employ or promote;
9. invasion or other violation of any right of privacy or publicity;
10. termination of employment; or
11. other employment -related act, omission, policy, practice, representation or relationship
in connection with any insured at any time.
B. This insurance does not apply to any damages sustained at any time by the brother, child,
parent, sister or spouse of such person at whom any employment -related act, omission,
policy, practice or representation is directed, as described in paragraph A. above, as a
consequence thereof.
This exclusion applies:
• whether the insured may be liable as an employer or in any other capacity; and
• to any obligation to share damages with or repay someone else who must pay damages
because of any of the foregoing.
E 0w(lu° (,gip„P"ie .� t. 'lnsui ,ul s ,acme"s nol tig)T-ily [o loss':' cos: o � cKl)r'ns�. incl uzus,) by You o' nll ir'Ts L`ur Uly
M inten na°:�Yd, 4)l` F.'iol,'aN 1on All crN��!tTic tri,�of , it nu, iii)cnauce W any piuprw„rt.'yr ()I
gt1d'
Vi�:f::�i r,'3 Mni}r ui:ji.�rwyr ul �Iarn, ufl M aiy:
You C,mn' 14mi orocti;t:gly
Intellectual Property Laws This insurance does not apply to any actual or alleged bodily injury, property damage,
Or Rights advertising injury or personal injury arising out of, giving rise to or in any way related to any
actual or alleged:
• assertion; or
infringement or violation;
by any person or organization (including any insured) of any intellectual property law or right,
regardless of whether this insurance would otherwise apply to all or part of any such actual or
alleged injury or damage in the absence of any such actual or alleged assertion, infringement or
violation.
This exclusion applies, unless such injury:
• is caused by an offense described in the definition of advertising injury; and
• does not arise out of, give rise to or in any way relate to any actual or alleged assertion,
infringement or violation of any intellectual property law or right, other than one
described in the definition of advertising injury.
Liability Insurance
Form ao 02-2000 (Rev. 4-01) Contract Page 17of32
policy Exclusions
(continued)
Nuclear Energy
A. This insurance does not apply to bodily injury, nuclear property damage, advertising
injury or personal injury:
with respect to which any insured under this policy also has status as an insured under
a nuclear energy liability policy issued by Nuclear Energy Liability Insurance
Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance
Association of Canada or any of their successors, or would have had status as an
insured under any such policy but for its termination upon exhaustion of its limit of
insurance; or
2. arising out of the nuclear hazardous properties of nuclear material and with
respect to which:
a, any person or organization is required to maintain financial protection pursuant
to the United States of America Atomic Energy Act of 1954, or any law
amendatory thereof, or
b. the insured is, or had this policy not been issued would be, entitled to
indemnity from the United States of America, or any agency thereof, under any
agreement entered into by the United States of America, or any agency thereof,
with any person or organization.
B This insurance does not apply to bodily injury, nuclear property damage, advertising
injury or personal injury arising out of the nuclear hazardous properties of nuclear
material:
1, if the nuclear material:
a. is at any nuclear facility owned by, or operated by or on behalf of, any
insured;
has been discharged or dispersed therefrom; or
C. is contained in nuclear spent fuel or nuclear waste at any time transported,
handled, stored, disposed of, processed, treated, possessed or used by or on
behalf of any insured; or
2, in any way related to the furnishing by any insured of services, materials, parts or
equipment in connection with the planning, construction, maintenance, operation or
use of any nuclear facility. But if such facility is located within the United States of
America (including its possessions or territories) or Canada, this subparagraph 2.
applies only to nuclear property damage to such nuclear facility and any property
thereat.
y ai!awjur,y, ipu'"m�pl;per6'.y damage, advertising dCmm.jmniiry or
1'lads irrwa�un�<a"Ine,c nJcna:;a�; finical apply raa''u Iharomlidl�,
pfiu sonmal iurm,inry rrai.whgt ,, our of tdauv: an.c Waa4, a.dl.aaa,c".(.d or dll,-u eaute ne d cldschdrpe, (hS pa,asaui, Seepage,
T.riigr fi.on, rc dassc; of escape of Ilpoilllulaapts:
d . "It or f'rouu:n ally fore uru.ses, whe or Iloc,,W..on anrhc h Js or was atany (hric, ovvrae d an
occcr„apiecd by, or loaned or haul u l taa, any dCrusuired;
y. sa am 1t0a a aauy lareuns s, „4c' can kx.,aGoo whMi.. is or °wm al any, tir nr; used by of rofany
hisamm^p^d o:r oa ,hc;rs for Oic°; harnnndd ng, sdo agr.,,, cfisposall, ]roar,s,skio or trc atwc:wut of ewrastor
Liability Insurance
Form 80-02-200a Rev. 4-Y
( ��m) Contract Page 18 of 32
C H U B Be General Liability
Policy Exclusions
Pollution 3. which are or were at any time transported, handled, stored, disposed of, processed or
(continued) treated as waste by or for any:
a. insured; or
b. person or organization for whom any insured may be legally responsible; or
4. at or from any premises, site or location on which any insured or any contractor or
subcontractor working directly or indirectly on any insured's behalf is performing
operations, if the:
a. pollutants are brought on or to the premises, site or location in connection with
such operations by such insured, contractor or subcontractor; or
b. operations are to test for, monitor, clean up, remove, contain, treat, detoxify or
neutralize, or in any way respond to, or assess the effects of pollutants.
Subparagraph A.4.a. above does not apply to bodily injury or property damage caused by
the escape of fuels, lubricants or other operating fluids which are needed to perform the
non:rial electrical, hydraulic or mechanical functions necessary for the operation of mobile
equipment or its parts, if such operating; fluids escape directly from that particular part of
such mobile equipment designed by its manufacturer to hold, store or receive there. But, this
exception does not apply if such bodily injury or property damage arises out of any
discharge, dispersal, seepage, migration, release or escape of pollutants, that:
• was intended by the insured;
• would have been expected from the standpoint of a reasonable person in the
circumstances of the insured;
• was a necessary part of operations performed by any insured, contractor or
subcontractor; or
• occurred during the process of fueling the mobile equipment or changing or
replenishing any operating fluid.
Subparagraph AAa, above does not apply to bodily injury or property damage if sustained
within a building and caused by the release: of gaseous irritants or conwrinants from
materials brought into that building, in connection with the operations being performed by
you or on your behalf by the contractor or subcontractor.
Subparagraph A.1. above does not apply to bodily injury if sustained within a building and
caused by the escape of gaseous irritants or contaminants from equipment used to heat that.
building.
Subparagraphs A.1. and AA a. above do not apply to bodily injury or property damage
caused by heat, smoke or fumes from a hostile fire.
B. This insurance does not apply to any loss, cost or expense arising out of any:
1. request, dernand, order or regulatory or statutory requ.ircment that any insured or
others test for, monitor, clean up, remove, cotitain, treat, detoxify or neutralize, or in
any way respond to, or assess the effects of pollutants; or
L.ra i ary Insurance
Page 19 of 32
Form 80-02-2000 (Rev. 4 01) Contract
Policy Exclusions
Pollution 2. claim or proceeding by or on behalf of a governmental authority or others for damages
(continued) because of testing for, monitoring, cleaning up, removing, containing, treating,
detoxifying or neutralizing, or in any way responding to, or assessing the effects of
pollutants.
Paragraph B. above does not apply to the liability for damages, for property damage, that
the insured would have in the absence of such request, demand, order or regulatory or
statutory requirement, or such claim or proceeding by or on behalf of a governmental
authority.
This exclusion does not apply to the liability for damages, for property damage, to premises while
rented to you or temporarily occupied by you with permission of the owner and caused by a hostile
fire, explosion, smoke or leakage from fire protective equipment.
This exclusion applies regardless of whether or not the pollution was accidental, expected, gradual,
intended, preventable or sudden.
Her ail Of Products, Work Ilfl x ir7suraLoce dQ u's nW apply w arty rla;matoos cl;lit.7uod for any loss,, or t',xpe;nse imuije(,V)y you
ImpairedOr PrCai„aef"iir' or ca(arc,u-s faru ufaa; loss aaf u,ac,„ },votaac.8.irauVr0i1k >I"ee.rapp, rrtr�,��rrsr,lacrcu, ru° raauzT, ra:, al<ta•a;uarra..raC, ,ur;�uu�bturrauct�:,
uolrnvual. or cfisj[rosat.i of:
your produuctl
iiinpluaulm°ed properly;
it sfr ch farnduuo,'w oir[a cau hrr4a(uelt:y is a°cithI.cbao n or rrek'aHod Fm,ofn tlfuar nlork,os or (rum.. usc: by, I uy
pcj aml or arirlamu zaalk)n Irroc,aluau, c)(a Ih,or.c;wn Or siisprc,c; ec: dcf c.u., d fic icncry, uuuxlcclaa.a cy or
da nl q,,cSl'ous c"d?aVdif,,,ion in h-
"V/fafkers'° (:Cal"NRpms alion f`hk nrrsuauaarra.c, raara°a no( av( lly to ar.ruy oP,a i gadluarri rry lic., lnisaviired tuindut ar.ny wmla rs' corrrirs;nsauau'mr'u,
Or SitaNihai Laws ciisauliTIity Ir encahts gar unc'I nIfloyrnk'uauu law or a5, sin�uUair uaw.
lyo y°l,flt'i'lfl'ay,fl
Arbitration We are entitled to exercise all of the insured's rights in the choice of arbitrators and in the conduct
of any arbitration proceeding, except when the proceeding is between us and the insured.
fi'ar"R,l,Paai'u'i'r.y u; ngi k, a u i n rr ;v oI itjrc insured o. o h rlrr`> in,,, wri•r:d': ,_ Eric° ,; H r (_ ir; hr n,c n,, , I „ii,r
vlrli:_f�licrr ,rarr�ir�rrlii� rii°arnrr„t,
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 20 of 32
C: H U B B" General Liability
Conditions
-(continued)
Disclosures And We have issued this insurance:
Representations based upon representations you made to us; and
• in reliance upon your representations.
Unintentional failure of an employee of the insured to disclose a hazard or other material
information will not violate this condition, unless an officer (whether or not an employee) of any
insured or an officer's designee knows about such hazard or other material information:
Duties In i'.he E t%&tml Of A,
You n7l ust Sd;d'„ to it that. otl
o�racdcahl fan
wddtttew�tO���9�.w
�ae.riode
a�any
oex.xii Ienc or offense, �,�Pay result %r?6����rthe ii��➢yb��&4ypIeh']: '
lairn Or Suit
e:
4i st:u.rra r sFo the extent possible, rrdwtice should include:
l.. how, when and. where the dDd::d."m.d.Uuren.ce 4bA" offeiise happened;
I the Irrarn es 'aln.n:rdlas dirr'rs.s s daf any injur-ed. tat:":rnaons and F?W'r.L'nnn `Asbs'S, and
I the tna.ttnn`e and l[ocaV:ion ofany r,rrfr)r°'y or dta i na cy'le a➢G'IaSrS:'l.g dinit of t e dnd.&:u n eince or
offense
pig.
If a clairn is inadie or suit is brought. against sst. any illll:wsn'uired , you must-.
ed ,
G. lirirnnned iatciy record. Rine specifics s ofthe clal lrrl or suit and ft date received,
2, nadwbfy. rrs arrd'i oth(.ru.nasinizrs as soon a:s prrr°acticaMe, and.
i. see to it that we receive written n.no c,e of the clafinn a,niir suit as' ;rad orn as p:ru:ad tid au.l:dlli,a
C.
You arid. any ob .her nr'ivod ed. in.aanl4d"i"d must:
rTT..'11Tid'rd.IaA.r(.,,I " nwn'..ndi. U.is copies &; f ai[iy d.err;nadF'Vds, I:"Iofic s, sn.nn"VVniG7Y.'lises or iega] pal.'nn."IIs
rc ,eived in d.onn cct.ion i wyiitaln tire c; ailr'n or suit;
y. a u.niu:hdrlr'ize us to obtain records and other hii'orrr"aG'i.dr'¢n';
i. cooperate with its and ot.iidar' insurers hi the:
& investigation or seffleme.rrt of the clai: n„ Ce
Li, d:i.i.fetrsc aga-his;t floe su t:.; and
I. assist rw„ upon wn° rdi ,rst., "v:rtVrd .mfdnrddarrrrtat any ri.pVpt against anrny"pdr OI 01
organization that. Ilnay be, iia] le to the Insured because ofloss to which this insurance,
iunaly also apr'Ifriy.
1).
No insureds will, exc tprt: at that i nswuirr ed 's own cost, nra.ke any ]Ina'ynrtent., atssui c, ainy
dltipnga,tr.dbn or innctnr array expense, other drran for dr'sC. arrd, without ourr cor'sent.
p .
Notice gnv'd;'r:n. by or on behalf of-
p.. the Illip'nsu rd,dL
I the injured p7d',Y"4mi or
."iany other a.l.an:llrrl: ,'
to a. pra erisedl agent: of Ours wiflla 11.)art;icul.ars auffiG.fleut to ll.dlerri.ify t,l:ad', insured ed sh..a.l.l, be CtG',e�r n.edi.
notice to rm
Liability Insurance
Page 21 of 32
Form 80-02-2000 (Rev. 4-01) Contract
Conditions
Duties In The Event Of R Knowledge of an occurrence or offense by an agent or employee of the insured will not
Occurrence, Offense, constitute knowledge by the insured, unless an officer (whether or not an employee) of any
Claim Or Suit insured or an officer's designee knows about such occurrence or offense.
(continued)
G. Failure of an agent or employee of the insured, other than an officer (whether or not an
employee) of any insured or an officer's designee, to notify us of an occurrence or offense
that such person knows about will not affect the insurance afforded to you.
R If a claim or loss does not reasonably appear to involve this insurance, but it later develops
into a claim or loss to which this insurance applies, the failure to report it to us will not
violate this condition, provided the insured gives us immediate notice as soon as the insured
is aware that this insurance may apply to such claim or loss.
Legal Action Against Us No person or ai,ga.0 izatvon.. has a, right under tll is in su:rl.d:n ce to:
l4. 4i pus as as pt.ffty or otherwise l'inrnlg; us hjr.o a suit set.ki n��..�, el.irnag es flr'onY",i an insured- oy.
sue us on this iinsu.rr,,:arn.cc> Ain less all. of tlrre ter-rns and conditions of r.hi s nPisrnraarncea have been..
fi lly oe>rripnlied wwitltu..
A. person orof.g,wrizati.on iririay sue gun: to f.ecover, on qua agreed settlein�ient or on a. fuiriail j ud nuueaL
against aa.n insured crbta.iined afier an actai.aa]V
::1 hil in a ch il. parocee:C in,,;°'; or
arb trQrioiru or other alternative disl wte; resolution proca a;dhgl.;,,;
but we:, will not be h blre fbr d amaa.gge;us Ch.a.t ase, not paaya ble under itie to ins Qo d conditions old this
irmuraa.unc,e or Uia.t are in excess of the applIe.aalMe Li.r:ruitw, Of lfrwuuloD U(,
Other Insurance If other valid acrid collec,'tible, rrBuraa.nuce:, is aa.vawlaalkalle to the insured for k.)s,s we would a l.he;rwisc
cove i under tla.i.s htsui-n nce, our ob igati.ons are lirmite d ar.s follows.
I Irimary Insurance
Hus 4isn.uraauce, is par.imstry except when fare, l ,xc,e ss Irusuarance p mvisi.our described hetow Qui:rliuli.es"
11 this in.swam.fwe is PT.hrnaary„ oiiir obligations are not affected unless any of r.he other u.unsnuuanc;e is also
psrini.aury. Men, we wwil.l sheire with ,.a[ that other insurance 1by the rruethod descr�Hred in the Method of
Sha.u:iru.l^, lareivisi an described below,,
Excess Insurance
e
This insurance is excess over any other insurance, whether primary, excess, contingent or on any
other basis:
A. that is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar insurance for
your work;
B. that is insurance that applies to property damage to premises rented to you or temporarily
occupied by you with permission of the owner;
C. if the loss arises out of aircraft, autos or watercraft (to the extent not subject to the Aircraft,
Autos Or Watercraft exclusion);
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 22 of 32
CHUBB°
Conditions
Other Insurance
(continued)
vdrJ`emium Auchi'
SepY'A.'Vati o,, �V OV din xs4,Ar reds
General Liability
D. that is insurance:
1, provided to you by any person or organization working under contract or agreement
for you; or
2. under which you are included as an insured; or
E. that is insurance under any Property section of this policy.
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 such insured against such suit. If no other insurer defends, we
will undertake to do so, but we will be entitled to the insured's rights against all those other
insurers.
When this insurance is excess over other insurance, we will pay only our share of the amount of
loss, if any, that exceeds the sum of the total:
• amount that all other insurance would pay for loss in the absence of this insurance; and
of all deductible and self -insured amounts under all 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 negotiated specifically to apply in excess of the Limits Of
Insurance shown in the Declarations of this insurance.
Method of Sharing
If all of the other insurance permits contribution by equal shares, we will follow this method also.
Under this method each insurer contributes equal amounts until it has paid its applicable limits of
insurance or none of the loss remains, whichever comes first.
If any of the other insurance does not permit contribution by equal shares, we will contribute by
limits. Under this method, each insurer's share is based on the ratio of its applicable limits of
insurance to the total applicable limits of insurance of all insurers.
v6,,, rr/M d;onrrp[ou, rfl l prrcinOucn °` I"evil,- Vliik uur i,rr,ulrir,r-i.n accordaicc'i[dh our tnlic , I6 dd nm.u'a s
Nr I MPI Vhe 11;s4 Iriwcdd ddproiyr��uuirus sccLIutuu od,1i11c 111In',11uiirum d'owrrrirary, pu en,Iiu Ins ^x,du.rr"11
ruOr an u�stu;r��ulr Q'r'p ,rr., r ,0:,rm un,rV pjjua ruuNuarri.� ,mrl nrn axl;lr,�;;t yid, u�uduu,.
pn siGldllrnodan udr or ct lu=,na oP cainr du dud relic, plreirnuuu rpdiUrnnudr",V, 1rrd�r-rai.udirrs i�Ia V;�, ylrr p rrIrtr;r„,II
cur csu inrudV,,,rd f lloniJlo is r;1 aclAcro iin hits p olltc,r luifkaOlsC, Qiesu JHOI IuCriri:; varJl also drd, ,iilbjleo w
so:fdfl rsnd Hhsu-,C n(j I�p�rrt;graplr (p.Hic, of fho Wul1.
ap pd y,
L,,cejprr'i H] rr,sk cc; uo uhe d ru ids (H d11 ,s ir"Ufco, ,rir,6 ,dray I -dry � or yiut�cs spccOtcalhi uUSn ,oulcd in Aids
ntit for ho fdu^r ivaurud:;r,J fillommrried this i� slur,rurc;n.uflrl�rs!�
'i:f +„�t�,V,i� nrtjridu1 insured W C1,C, �duc;tturlx,, rrwned mmmru.mu:.r,ml; Iinc'
;dwp; ira t Ilpr w lath p:mmnmmrrdi tus; unr �r��: Maorn c V.du:uron is niaddr drr ^ammiut ix, Iru;uuc, ln�..
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 23 of 32
�,s.�, .. _.. ............ e, . ,........
Conf
(continued)
Transfer Or Waiver Of We will waive the right of recovery we would otherwise have had against another person or
Rights Of Recovery organization, for loss to which this insurance applies, provided the insured has waived their rights
Against Others of recovery against such person or organization in a contract or agreement that is executed before
such loss.
To the extent that the insured's rights to recover all or part of any payment made under this
insurance have not been waived, those rights are transferred to us. The insured must do nothing
after loss to impair them. At our request, the insured will bring suit or transfer those rights to us
and help us enforce them.
This condition does not apply to medical expenses.
Liability Insurance
Form 80-02-2000 (Rev. 4-01) . Contract Page 24 of 32
CHUBB®
Definitions
Advertisement
Auk),
En p"?h)�"oo
General Liability
WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Advertisement means an electronic, oral, written or other notice, about goods, products or services,
designed for the specific purpose of attracting the general public or a specific market segment to
use such goods, products or services.
Advertisement does not include any e-mail address, Internet domain name or other electronic
address or metalanguage.
r�fdwly IIhIII illlnmZ mllun�uiral illln�oliy„ oll: r IIII';Ti holdik ulloetlllmorf, piroqIcHy mi mIllin+wsge loll Illnn'+=or,auuulal bnjtiiuul-?V,
rL;Irau�ulllllnrl hbua Ia Ir r�s"a, n WTI I�u,' �nuli nI)s,)II ,ullool w„aAllb`+"�� Ilr'q' all Wtti°.Ill,r' s I �111lliIIIInjw"' Iui ilnsll' pat6uol w �I"ail
ol' y,oluna AdV1011I I111s liitilieTIA �0I o,,00ul roil ii nrIou lls„ psoullocIs oii ,, i "ir; ., Iq)�un Vli6�
�riu ,uuglu[c a arrive fii.sviiimwint, or
P.Il1Vu,V1`(� ,C:Po,a 10 %P'9 IItISVIIY I';r'arllb Iti:I�,'f: niwlCJllr;,""v,J 1111i 1Jl', �'la`lu,firt;"w� 1'V'q(a,lpll-➢.'C`7GV"iV IY CV'raI'.P,
71C nIVYY�"tl Ilt".,�
Ids,`'°fVn, ��yII"Ll'�.II r�u tL'fVu;.
i.gir 4 Po„d se I[fl9 ] III wilt iIxf iIts 4I s"'II IC,I�ncIII -J' lI :I4 f4 IC" Is' :, C I II I. I.It sry)4Icd I1?" IIis' )c !InsVll➢..v d I�I1d. I.I)c'
f.,Iia l j I r a I l lr oI- Ilia, rIflIlI'I + II s Icp; II I, L,,r , cT)I-'!<ti.°"'o
�ftilIIVO„rll IS ]'r)eS III a'LltnIlcsIos 1I) Irly I,:)IIII Iawl I:IlJIT II`d [ilcs nc; ,, or 9I,c, In ,iTI a`, 19y l,'r'I�7(IlicI ,)I
otllC'.r nI,aIt:;TI .I), lVasw' fRlau lu II1cI I:I+, Ics Clr<.l,IcrI as 1. to 1)c p cc v;ad d' I1,cou3 III I)iwd oI I0'� l.1II llt:%J
�A,wllur IIojIoL 'Vdlccic' V:ISII111ct oir s�rll ilalidc �V r�i)rs.l nl for tlrI ?i ll oa ii ror,n,ls
II I Nc IIIoIIIII;T ai IV uIWI,t;110. d nntl� cIIirici; q' 07 LN U I I) IMT o 11�1IIY nIII Pto C14in,. v Vm LLC cIVI Ic', III 'III WW b lle 1I,",4:1%aIIIPVWFi IIII'it
Etogfilll 'ulillm,jpu ry oc"Jsur. Ilr sysi.+.,nll:
ulrs�slu/':
uI';l,uo n°, ars°
rulrYatry;;
�IIIntIL}:w a Ircnr orllr, uiiclilllallrnrU ua°sidhulf7;+::Lo.,r1lI, Iou.ullligl rlilaaa, olnls rulsrp <nNi �nwl^��� u, IOI r -u.l. II III w
io,oJ aca.uIa uuntly" /HIV s ocI� lo,,s ll'^ 11 IIuC' drR Iuc'd uooc;c, I[ Ilur Ilur,nc III IIIInC IIIJp uwv' siicl ric,'I,
Or aBL o <�:;T:i41sIIo r ,.ac.os w.�c�
��^";ilun��nlliuy'a2�q� ilr. IIa .�°r, ,i )c fln�no^��'+naru.i,cnso• 4''Ilrrnp:ullorarra ,:h) u,Il ,IIt Itrl,y tt 19�n>lu)Glrun�..IIu � orarnr'��Ma,°rn•.
1 osh1', Ivic,r I Ca, I
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 25 of 32
Definitions WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
(continued) AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Impaired Property Impaired property means tangible property, other than your product or your work, that cannot
be used or is less useful because:
it incorporates your product or your work that is known or thought to be defective,
deficient, inadequate or dangerous; or
you have failed to fulfill the terms or conditions of a contract or agreement;
if such property can be restored to use by:
the repair, replacement, adjustment or removal of your product or your work; or
your fulfilling the terms or conditions of the contract or agreement.
11111sured r1:1c;uis �t OTIMMi2'a�'Mirl qlj,IMYiu,, r", ',,i) iii Ific \V)jo k An h, i�rcc)
Insured Contract Insured contract:
A, meam:
a Ilcaaso of prc.rnkcs�
2, a ,:,id du alglrcenww�
3, w) easefirivall! oitk,eiu'Scagrcurant;
4,iin as ieqnred by ur(14wnce, Vas rmfeninify a nwuuil,)nty, wcelx nil
conuex-A,k)n wflh wa6 for a niunicit)aflyl
a.
Odra ch,a,ra0or mainwinance, apccmcrw oir
t,
i. any ofliui corvracor ,iprevanew pcmdiinio w your business (Iincludnny im
hdcflufficaflon Ur a niunicipait0y in uiuuwcwu n vdfh woA pu-fanned frx: alch
in wlli(Jl You assuiric [he wii [ 1Ci,allraiity of auoher pi,,rson oi! croaiflza6u�n
to pay dainapes, tc, k�,111-iich �1-Js insuraucc apI)Iios, susuuned Illy a fiinf porson or
n
organi/,a6on,
B dues = lncludo fl-nu parr of any contrw.0 or alni(xaaeyo ffiafinderniJfles an aiicrPtf;d,
uax, p�ier or for damapes arkinn oiA of!
t, pjwparino, approvktg ox fah�no w pn���are or apprw�re' maps, draAIrius, opuidons,
A, 11 0
repcjrfs, surveys, fidd orders, aangc cmict's, dcsJ'Iins or specifications, or
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 26 of 32
C hI U E3 E36 General Liability
Definitions WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
(continued) AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Intellectual Properly Law Intellectual property law or right means any:
Or Right certification mark, copyright, patent or trademark (including collective or service marks);
• right to, or judicial or statutory law recognizing an interest in, any trade secret or confidential
or proprietary non -personal information;
• other right to, or judicial or statutory law recognizing an interest in, any expression, idea,
likeness, name, slogan, style of doing business, symbol, title, trade dress or other intellectual
property; or
• other judicial or statutory law concerning piracy, unfair competition or other similar
practices.
Ni11Mr 4I iC'1son Ie":L, "4 arnI, IIIl1f(li1fl McI'0� I,,II;f"ill Ill':
1 vm����r,'ll vw��a�o�>I lr� m° >IIti � �, ra,l Irr a �I�� Irt � I,ry �I I Ilffar 1t I,III l
Ns [:+rweLI� 'qla, Il p,WY did IIIr� tabor IC,,�aUvTlg firlllI I01)CJ�I�II� �Nurtu, 3 cr N,l't'�rJ Ir�:l.l�;;�+,Iusila:;l fheUl)�';
1'I„1.snc Md, L11 nrsed wvor er ('l�)os Itnt 1I1olude a teIII Y1lm1:u,u° Irly"wvor1Iier
nt or:Iu: b�g OIr. UNo tow ioi :71 aaduuiig u.;,r nuubtadG ig,
��. ulun��u.uu� utlu- IIn�ruu+Ildlul�; i;11 lur�llrw;a'n;w:
LL'I ut :1100a'`+' d TOII:PI. I111C ptl, CC, +411011IfI,", ;IV I , oC�Tied h'of" iVI+Y"-I VT:Ii; llt nllilf,'IoT unio i,.i
t11d:l"'a I, lPIIIfto t.IN WN VIIP,C l 'b:„
CIT 0111 Iul ',:wcl G'it„ avllkll d,DJ(.
p. �nnulle iV is I1116rr , Itc t~In'T 'fit, a ulbill (II reed ,II:;c �fu t 1 V uu prinnv, ;�Ilnr�,u� iiP: Nz�.
1n11u ILIIpWy Ipc verd'
I: It+,Ies viol IIl1+sp1ildc Ilw'- Ilruauvl"1r1CIul c)11'p 11:oPH l'1)1; Tllic"'h uti3+ld� l fliic,:ll IIl1c�:I v uc' �s0icr IYl,;luo �:u
rind ouut°6a:, P:EIIIM uv N011I via Il'c 1 u0 411e iJV I.tC1:, IIImuWa11, I,;rr
N,IVAfi1t'A gAF11 i11171Nw'ti..!': I IIt, Ill^ 1:(,rm'Ii,I.bllc c:IgiLi"isI s IoT T.l.t(f,'yM.Y
@ 11r!rf. slltl dfflllllNlt Mk ul a,rl ttCCIlit:°III
MII Clint IlIIW t.� ,
IIIoI.If ,Il, sui! elf 'Il v..iay vllil tis ill f dorvf ct;s, ftlx `[J(Jlr )rf u,Ill+,:fiC dlA)CCS. inl+.'.I.
�IIII..I')UI,IIICC, 11O, 7hi�1{.l, +I(f t.,,y7;;p111f"Li TIIiir'JCI)2 IIIId IwIuI .I 'I 1,l,I vIt C:'
NUJ+aad�uu u: �..dt "IC91"t"'C' ,lob llv ,Ins, of IN,, Rflln lllg iyI)cs, (Ioncl rl:,llif°lt�. Ilp 11,7tJI1lti a�L,r III,�I,IIIf:;;:i.
Ir�I;Ir°llltlt;rpr l,i" ��I{IILt;IIUI�TI:It
�. u1�t�ir1 trr •�, ��I�IIt IIlli lllll��sy„ f;�ulf.f191,t .111d oiI 1 r zt~lllt if , 11< �.,ttul� ,f d,fr I:IIf� 1frllir; ll,yly rin�C
)ILLprllr I,IIIrtI,,
B vulJ c IIIpltsrlr lirIed for II tv, solcly ol) Im-flikcs ovvried by r'n Ier iud In yhil'
�t'I'rI, l,, tllili Inn,"cl s,)11 iil'vVls I lr(;MTds4
Liability Insurance
Page 27 of 32
Form 80-02-2000 (Rev. 4 01) Contract
berinitions WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Mobile Equipment D. vehicles, whether self-propelled or not, maintained primarily to provide mobility to
(continued) permanently mounted:
L power cranes, shovels, loaders, diggers or drills-, or
2. road construction or resurfacing equipment such as graders, scrapers or rollers;
E. vehicles not described in subparagraphs A., B., C. or D. above that are not self-propelled and
r,
are maintained primarily to provide mobility to permanently attached equipment of the
following types:
L air compressors, pumps and generators, 'including spraying, welding, building
0
cleaning, geophysical exploration, lighting and well servicing equipment; or
2. cherry pickers and similar devices used to raise or lower workers-, and
F vehicles not described in subparagraphs A., B., C. or D. above maintained primarily for
purposes other than the transportation of persons or cargo.
Mobile equipment does not include self-propelled vehicles with the, following types of
permanently attached equipment, and such vehicles will be considered autos:
L equipment designed primarily for:
a. snow removal;
b. road maintenance, but not construction or resurfacing; or
C. street cleaning,
2. cherry pickers and similar devices mounted on automobile or truck chassis and used to
raise or lower workers; and
3. air compressors, pumps and generators, including spraying, welding, building
cleaning, geophysical exploration, lighting and well servicing equipment,
0 0
Nuclear Facility I'Sluclear, fariliq mcans any;
A ninclear lureactor'.
B, equipruent or dcvce (ir,�sjgncd or uscri foc
1. sql.aiating the isotopes of jplw.oniian or. uiranium
2, pfoccssing- oiutdizinp
l ', imclear slpeabt fijiel- or
1 hanidling, pro( sting or packaging nudcair waste,
C. equnjj')rncnt ci device. used for 1he piocessirqg, fabricatino or alloying of nuiclear material, if
at any 1hne. tl'w toldl aniount. of such. iInitedialll, in Lhe C111"Lody of the iri[snred out the pretni""es
where such equipinont or device is locaed consists of or contains inore 6haw
I , tWCffly iiMrms (25) grarins ofplutofiuin or umnwu[ 233, or any cornbination thercof; or
2, two hiundicd,fifty (250) 0pruns oC uraiuiunu2,35oi
Liability Insurance
Form 80-022000 (Rev. 4,01) Contract Page 28 of 32
E:HUaB®
Definitions
Nuclear Facility
(continued)
"t a ;rp ei l i1u"s
I� tR.y..lagc'
1µ^7id 1x r l"
General Liability
WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
D. structure, basin, excavation, premises or place prepared or used for the storage or disposal of
nuclear waste;
and includes the site on which any of the foregoing is located, all operations conducted on such site
and all premises used for such operations.
LKICIAl" IMZLll 11"a1011s hall tlll I filler 1I'"Ic;I Ii, ITIcII. VC, 11,t, is uI (, p1: 8k'C y'IA7j)CI (ltls
V'�IWje" II"ID3te II ial. IT IC WI;, I:'lu)" 1N I III I if 111f19Ia [ cria I, III ..a 11 I, IL° VIl atvri III 171:" etD!Le'.k a lulc :11r nI'O 'If°Nat.,
I ;y III uua'.kI t mom 1 ttXkA I,a 'olIm t u
Ill
u,�ttna6"'ria11II) Ils ,�i uaIII IIn Ile au Iin t ��u I Ct r"�y�"liu ln �n�ak,v,�°,r�7
I,l.
c,i.I11 III �'
IN uuu I our pulealllaert'), d ii[tagic in 'II i1io ,,1I "rr'iItl ) ui r).tllt�acl1"'Io111,,1��iilISIiIIlI III ptopt:,'I I"�
"'ouellu'rnir reactor rIIa lii� stay aIrll,�trPMI, 6 •;i"'nc„I,)I U c(9 W st1 I,IIII Hall Ir„1I I'lS,,n)ii I I i 2l ,c IPA
SII1)I ooui',,, c Ilfllll.'I't' acIIr,la. ni! #I't;t)i':ItC It III <l r;.c'IifiG q rl96il.,�s o'jsI;Illll<Ilc�r,' II.lAwCI;7.)_,
MirIlenII: !igpent nw.Iuel Ir1L :IrIs ,LIIY I'II I:; L,."Ir,IIWl 'lI oI IVIl I c. iIrIjw) I.r cm, sII. (I c)IIgII. ({ +',' l�l (.: �I:I II,)s 1+:; clI I�sci I.
,rl� to r,ItHIolnn i,n,, aude"ar r actm
,I JlCjW"'aj� is',] SIC ITlC7III,* Ill V.,L:It" I'l;IX Ik 1.
uIIIrl;3, uwauu N�ar ulna ateI hi I, ;Ilia lli<1n tfic taiIini ),s III Icrs Im'x, larc tI I ,y Ills° ,,,( Ir.lcl oTl m
�ill2lll of lmal1uln oI IIwrllllll lloill ,i. v ow IJI'oc( ,,cd; IIII1L)ri.l)- „r Its rvluuuaeel
u:uaty nu all cIInlciil� ,i!r1r',i
Tl,i'ro1..Illillc�, II:I)III ,Ili". CJpci-�IllollI. i',, 'fIlyp ISCM 01 Uj 21UIIza1 IoT) ,)I: �lg IIJIIC II.ar n'"ldflIII >;';
��Iiklll a 1 ",Il�ll;a ^L. or I'� I,11 I IIc III I111II Is,n of IlIliclla ar flacflktt;y
Oct INO Ire9IClfi4 lall',f1Cl ,ICI ac"JtI"II Ill„ li;iIn; coiilI nuim^ 'll ic pu riic,J cY pI"I,l'tJ I„ ,Ill .ImI f'lll's( fbca
�;I.'iirl� �' IIrI it i,<,I�rrII.Ii l,L�rullll ,Ilrr;.
01hiU"'6'".11 1'CI„rlll :1 li; I^ i,Il l"V,:L ,'IIII'' lani cl (I1C', OHICf ,II y P1Il oralllu''!0on , flit?TlcS'.
UI I4I"1C I Illtdl: ;^Illllhsl"x�o u'll[l.i II 1;milI "w
Liability Insurance -111111--
Page 29 of 32
Form 80-02-2000 (Rev. 4-01) Contract
Definitions WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTR
ACT, WORDS
(continued) AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Personal Injury Personal injury means injury, other than bodily injury, property damage or advertising injury,
caused by an offense of:
A. false arrest, false detention or other false imprisonment;
B. malicious prosecution;
C. wrongful entry into, wrongful eviction of a person from or other violation of a person's right
of private occupancy of a dwelling, premises or room that such person occupies, if
committed by or on behalf of its landlord, lessor or owner;
D. electronic, oral, written or other publication of material that:
1. libels or slanders a person or organization (which does not include disparagement of
goods, products, property or services); or
2. violates a person's right of privacy; or
E. discrimination, harassment or segregation based on a person's age, color, national origin,
race, religion or sex.
IothJ4S "� ll I ll I I' rr,
��,.� Ilf ��llllomt.ru,ot�,� I�«;,rrs .�l,y x,�,, �r l I,r1> + r�r:��i�ra�� or :Ikl;r.tn<al ilrll�,aU[ s)r- t011#arrlrn:ar7], in+, �a:I,clwl�, ,:,ri,,;31,::,;q
r;rlp ,r, �001; h.117n ;� :r,i�'iw,, s.�11 �IIr„ CIICIVI rG(la ; ,rill
nloc,nc1�6.oncd or Iir clI Lhncd
Products -Completed Products -completed operations hazard:
Operations Hazard A. includes all bodilyinjury and property damage taking lace awe from premises owned or
� injury p p y g gp y l r5
occupied by or loaned or rented to you and arising out of your product or your work,
except:
1. products that are still in your physical possession; or
2, work that has not yet been completed or abandoned.
Your work will be deemed completed when:
all of the work called for in your contract or agreement has been completed,
all of the work to be performed at the site has been completed, if'your contract or
agreement calls for work at more than one site.
® that part of the work completed at a site has been put to its intended use by any person
or organization other than another contractor or subcontractor working on the same
project.
Work that may need service, maintenance, correction, repair or replacement, but which is
otherwise complete, will be treated as completed,
B. does not include bodily injury or property damage arising out of:
1. the transportation of property, unless die injury or damage results from a condition in
or on a. vehicle not owned or operated by or loaned or rented to you and that condition
was creat,ed. by the loading or unloading of that vehicle by any insured;
Liability Insurance
Form "4-O80-02-SA00 Rav_�� �
( tJ Contract Page 30 of 32
C H U B 00 General Liability
Definitions WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Products -Completed 2. the existence of tools, uninstalled equipment or abandoned or unused materials; or
Operations Hazard 3. products or operations for which the classification in our rules indicates that such products or
(continued) operations are not subject to the Products -Completed Operations Aggregate Limit of
insurance.
rt aoperi y i )an, t a Pr°rmpmnrty,° mi mmrr mgle ranoaunsr
phytall al unawy Lo Irrullcgibf, prrrprcruy, iiIc,lluodkig resuitfine, Ions (at use or rliall IAof) cry, yu.11.l Such
liriss (if w c shall be deonrud P:o Occur aal Ole Qinac rub fre physical rn�muryr thaau caused pl°, or
loss of use of l ar.lt;uprlc Ipi upmauru.y than is nopala„grs callly �u ijaruct. y➢ll such loss of lase slllnlll bc,
rpcenkecl to u'rccumr rfl RIh e lone, ob dlrti:; caw,,e(1 ir..
Lleuurylrltlu, pauruyc,rRy does nw Include, d, my (Na or oPhei plri`u'arirnnaation tuna Is pn cVu,clmacrtic
tyalrmsn,
Suit t W. iit Is „4civihI A"vIII0) f 11n a;cs, I:o "vII,Icl) I".INS: ii)s II al)ce Itpph cs, ?w `o III L;I1 t, j'r°w'V.IIlh
rarulir�r ;i,rl .arb_l a a'1ion or odalu I ;Ii^;p i lc rc�G�r1.oluilllu I,)rol,,;a c,fiil In (0( i.cIi siK� I ci IuII,a,+e,c IIn. �;;°�aly1�1I rnnd.
t(':i ledlIl Il 11Is in"'111,11rc d lul)ctit r+Ibaiv l aaI doer , sui nul °,siUl olll 1;oM l:IIIC.
Temporary VVoi�t�ti' r Tv I'lll w rra,lirl" 4vur�rm�iir Irl� ,Nlhls al pc *'oI1 %VII ;9 k" 11II111,a11rJ Ill L p: uI ,r In ^61.'ll�S[ llll. / (In1 0 pcvT Ihiti]I1 ➢CIt
d N"t )(rgr�tt, olnprloye�� ()ll lv n,c of I IIIc, l„usol),ll o. dhoII I I,,I11:I work k)i v� l,ltilc,Ik)iI s,
Your Product Youir product:
p. I!,ryrds cru° Ilruaautu c�s, untlllc.r uhain Itcall paropnnrty. unn;raulaNcLuled, old, plaaaurlyu,(III„;puntrilrl.atu.�ti acr
disposed of Irv°:
It yvmn;
h, others uirartlrllp, und(y ^y oumr nanic,;, q:rm..
C, a p ]irson or or,'n.'a ifi r„llf. � a "^ "hr �i:rmmn4'hi, and
�� ua:cun whose. n,«wt P vrr, Iauurllcla,;��aa alai lnra�u�u, rota
y,, c,nnu:anunu rs (ulllhe,,w IVraa.n rucmwlc„ a), rruntcm- I , plafl,r of ccpluiprrrv-W plururaclnod uIN coinncc.tion
w mtln such got'Iats or yaurlr uucG's.
1. prur,rus�rldrreuu:,r'a,„ or m,vwrrarir es nrl,ade ,r� -wyr trcav yam 01 ucsp ecs Io thc- clllu dlc lily, t11t1ricrr,
Ilcrtorllrurtnm yivahly or use ol-yraalurmr product, aari1d
y, the 1lrmnucl4o113 of oll. firu.uluarc, Lo provide 1v,-LI11Ila9y.
C. does Mart arucpnde vending Ilnnacc.ul.ules of other irurlpau,rtyloz ,,incd nm u(,rWtec.p oy or lu:la::ralorll tour r.ic
oN5o of of hers half firfl, rirkt.
Liability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 31 of 32
De hitions WHEN USED WITH RESPECT TO INSURANCE UNDER T .. P0...... HIS CONTRACT, WORDS
(continued) AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Your Work Your work:
A. means any:
work or operations performed by:
a. you or on your behalf; or
b. a person or organization whose assets or business you have acquired; and
2. materials, parts or equipment furnished in connection with such work or operations.
B. includes:
1, representations or warranties made at any time with respect to the durability, fitness,
performance, quality or use of your work; and
2. the providing of or failure to provide instructions or warnings.
Liability Insurance
Form 80-02 2000 (Rev. 4-0f) Contract Page 32 of 32
COMMERCIAL AUTOMOBILE
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
NOTICE OF CANCELLATION
(OTHER THAN NONPAYMENT OF PREMIUM)
SCHEDULED PERSON(S) OR ORGANIZATION(S)
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
BUSINESS AUTO PHYSICAL DAMAGE COVERAGE FORM
GARAGECOVERAGEFORM
TRUCKERS COVERAGE FORM
MOTOR CARRIER COVERAGE FORM
With respect to the coverage provided by this endorsement, the provisions of the Coverage Form
apply unless modified by this endorsement.
SCHEDULE
Name of Person(s) or Organization(s):
IF YOU ARE OBLIGATED, PURSUANT TO A WRITTEN CONTRACT OR AGREEMENT, TO
PROVIDE PERSON(S) OR ORGANIZATION(S) WITH NOTICE OF CANCELLATION,
THEN WE WILL NOTIFY SUCH PERSON(S) OR ORGANIZATION(S) PROVIDED THAT
WITHIN 15 DAYS OF THE DATE WE SEND NOTICE OF CANCELLATION TO THE
FIRST NAMED INSURED, THE FIRST NAMED INSURED OR THE PRODUCER OF
RECORD PROVIDES US WITH A SPREADSHEET CONTAINING THE NAME, MAILING
ADDRESS AND, IF AVAILABLE, E—MAIL ADDRESS OF THE PERSON(S) OR
ORGANIZATION(S).
Address:
Under Common Policy Conditions the following condition is added:
NOTICE OF CANCELLATION (OTHER THAN NONPAYMENT OF PREMIUM)
SCHEDULED PERSON(S) OR ORGANIZATION(S)
When we cancel this policy for any reason other than nonpayment of premium, we will notify the
person(s) or organization(s) described in the SCHEDULE at least 30 days in advance of the
cancellation date.
Any failure by us to notify such person(s) or organization(s) will not:
• Impose any liability or obligation of any kind upon us; or
• Invalidate such cancellation.
16-02-0306 (Ed. 5-11) Page I of I
C H U B B® Liability Insurance
Endorsement
Policy Period
Effective Date
Policy Number
Insured
Name of Company
Date Issued
This Endorsement applies to the following forms:
GENERAL LIABILITY
Who Is An Insured
Additional Insured -
Scheduled Person
Or Organization
JUNE 1, 2022 TO JUNE 1, 2023
JUNE 1, 2022
3579-42-80 WUC
ENCO SYSTEMS INC
GREAT NORTHERN INSURANCE COMPANY
MARCH 8, 2022
Under Who Is An Insured, the following provision is added
Persons or organizations shown in the Schedule are insureds; but they are insureds only if you are
obligated pursuant to a contract or agreement to provide them with such insurance as is afforded by
this policy.
However, the person or organization is an insured only:
• if and then only to the extent the person or organization is described in the Schedule;
• to the extent such contract or agreement requires the person or organization to be afforded
status as an insured;
• for activities that did not occur, in whole or in part, before the execution of the contract or
agreement; and
• with respect to damages, loss, cost or expense for injury or damage to which this insurance
applies.
No person or organization is an insured under this provision:
• that is more specifically identified under any other provision of the Who Is An Insured
section (regardless of any limitation applicable thereto).
• with respect to any assumption of liability (of another person or organization) by them in a
contract or agreement. This limitation does not apply to the liability for damages, loss, cost or
expense for injury or damage, to which this insurance applies, that the person or organization
would have in the absence of such contract or agreement.
Liability Insurance Additional Insured - Scheduled Person Or Organization continued
Form 80-02-2367 (Rev. 5-07) Endorsement Page t
CHUBBe
Liability Endorsement
(continued)
Under Conditions, the following provision is added to the condition titled Other Insurance.
Conditions
Other Insurance — If you are obligated, pursuant to a contract or agreement, to provide the person or organization
Primary, Noncontributory shown in the Schedule with primary insurance such as is afforded by this policy, then in such case
Insurance — Scheduled this insurance is primary and we will not seek contribution from insurance available to such person
Person Or Organization or organization.
Schedule
Persons or organizations that you are obligated, pursuant to a contract or agreement, to provide with
such insurance as is afforded by this policy.
All other terms and conditions remain unchanged.
Authorized Representative �A".
Liability Insurance Add'ihonal Insured - Scheduled Person Or Organization lastpage
Form 8042-2367 (Rev. 5-07) Endorsement Page 2
Liability Insurance
General Liability
Table Of Contents
Section
Page No.
Coverages
3
Investigation, Defense And Sefflements
4
Supplementary Payments
4
Coverage Territory
5
Who Is An Insured
5
Limits Of Insurance
9
Bodily InjurylProperly Damage Exclusions
10
Advertising InjOylPersonal Injury Exclusions
14
Medical Expenses Exclusions
15
Policy Exclusions
16
Conditions
20
Definitions
25
L
I
A
L
I
T.
Y
Fain SO-W-20W (Rev. 4-01) Contact Page 1 or;
THIS PAGE INTENTIONALLY LEFT BLANK
Form 80-02-2000 (Rev.4-01) Confmct Page 2 of 32
C H U B B" General Liability
Contract
Please read the entire policy carefully. The terms and conditions of this insurance include the
various sections of this contract: Coverages; Investigation, Defense And Settlements;
Supplementary Payments; Coverage Territory; Who Is An Insured; Limits Of Insurance;
Exclusions; Conditions; and Definitions, as well as the Declarations, Common Policy Conditions
and any Endorsements and Schedules made a part of this insurance.
Throughout this contract the words "you" and "your" refer to the Named Insured shown in the
Declarations and other persons or organizations qualifying as a Named Insured under this contract.
The words "we," "us" and 'bur" refer to the Company providing this insurance.
In addition to the Named Insured, other persons or organizations may qualify as insureds. Those
persons or organizations and the conditions under which they qualify are identified in the Who Is
An Insured section of this contract.
Words and phrases that appear in bold print have special meanings and are defined in the
Definitions section of this contract.
Coverages
Bodily Injury And Property Subject to all of the terms and conditions of this insurance, we will pay damages that the insured
Damage Liability becomes legally obligated to pay by reason of liability:
Coverage a imposed by law; or
• assumed in an insured contract;
for bodily injury or property damage caused by an occurrence to which this coverage applies.
This coverage applies only to such bodily injury or property damage that occurs during the
policy period.
Damages for bodily injury include damages claimed by a person or organization for care or loss of
services resulting at any time from the bodily injury.
Other than as provided under the Investigation, Defense And Settlements and Supplementary
Payments sections of this contract, we have no other obligation or liability to pay sums or perform
acts or services under this coverage.
Advertising Injury And Subject to all of the terms and conditions of this insurance, we will pay damages that the insured
Personal Injury Liability becomes legally obligated to pay by reason of liability:
Coverage imposed by law; or
assumed in an insured contract;
for advertising injury or personal injury to which this coverage applies.
This coverage applies only to such advertising injury or personal injury caused by an offense
that is first committed during the policy period.
Other than as provided under the Investigation, Defense And Settlements and Supplementary
Payments sections of this contract, we have no other obligation or liability to pay sums or perform
acts or services under this coverage.
Libbirty Insurance
......................................
Form 80-02-2000 (Rev. 4-01) Contract Page 3 o
Coverages
(continued)
Medical Expenses Subject to all of the terms and conditions of this insurance, we will pay medical expenses for
Coverage bodily injury caused by an accident to which this coverage applies:
• that takes place on premises rented to or owned by you; or
• in connection with your operations;
provided that such:
accident occurs during the policy period;
expenses are incurred and reported to us within three (3) years of the date of the accident;
and
person who sustained such bodily injury submits to examination, at our expense, by
physicians of our choice as often as we reasonably require.
We will make these payments regardless of fault.
We have no other obligation or liability under this coverage.
Investigation, Defense Subject to all of the terms and conditions of this insurance, we will have the right and duty to
And Settlements defend the insured against a suit, even if such suit is false, fraudulent or groundless.
If such a suit is brought, we will pay reasonable attorney fees and necessary litigation expenses to
defend:
the insured; and
• if applicable, the indemnittee of the insured, provided the obligation to defend, or the cost of
the defense of, such indemnittee has been assumed by such insured in an insured contract.
Such attorney fees and litigation expenses will be paid as described in the Supplementary Payments
section of this contract.
We have no duty to defend any person or organization against any suit seeking damages to which
this insurance does not apply.
We may, at our discretion, investigate any occurrence or offense and settle any claim or suit.
Our duty to defend any person or organization ends when we have used up the applicable Limit Of
Insurance.
Supplementary Subject to all of the terms and conditions of this insurance, we will pay, with respect to a claim we
Payments investigate or settle, or a suit against an insured we defend:
A. the expenses we incur.
B. the cost of-
1 . bail bonds; or
2. bonds required to:
a. appeal judgments; or
Liability Insurance
Fwn 80-02 2000 (Rev. 4-01) Contract Page 4 of 32
C H U B B" General Liability
Supplementary b. release attachments;
Payments but only for bond amounts within the available Limit Of Insurance. We do not have to
(continued) furnish these bonds.
C. reasonable expenses incurred by the insured at our request to assist us in the investigation or
defense of such claim or suit, including actual loss of earnings up to $1000 a day because of
time off from work.
D. costs taxed against the insured in the suit, except any:
1. attorney fees or litigation expenses; or
2. other loss, cost or expense;
in connection with any injunction or other equitable relief.
E. prejudgment interest awarded against the insured on that part of a judgment we pay. If we
make an offer to pay the applicable Limit Of Insurance, we will not pay any prejudgment
interest based on that period of time after the offer.
F. interest on the full amount of a judgment that accrues after entry of the judgment and before
we have paid, offered to pay or deposited in court the part of the judgment that is within the
applicable Limit Of Insurance.
Supplementary Payments does not include any fine or other penalty.
These payments will not reduce the Limits Of Insurance.
Our obligation to make these payments ends when we have used up the applicable Limit Of
Insurance.
Coverage Territory This insurance applies anywhere, provided the insured's responsibility to pay damages, to which
this insurance applies, is determined in a suit on the merits brought in the United States of America
(including its possessions and territories), Canada or Puerto Rico, or in a settlement to which we
agree.
Sole Proprietorships
If you are an individual, you and your spouse are insureds; but you and your spouse are insureds
only with respect to the conduct of a business of which you are the sole owner.
If you die:
persons or organizations having proper temporary custody of your property are insureds; but
they are insureds only with respect to the maintenance or use of such property and only for
acts until your legal representative has been appointed; and
your legal representatives are insureds; but they are insureds only with respect to their
duties as your legal representatives. Such legal representatives will assume your rights and
duties under this insurance.
Liabirty insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 5 of 32
Who Is An Insured
(continued)
Partnerships Or Joint If you are a partnership (including a limited liability partnership) or a joint venture, you are an
Ventures insured. Your members, your partners and their spouses are insureds; but they are insureds only
with respect to the conduct of your business.
Limited Liability If you are a limited liability company, you are an insured. Your members and their spouses are
Companies insureds; but they are insureds only with respect to the conduct of your business. Your managers
are insureds; but they are insureds only with respect to their duties as your managers.
Other Organizations If you are an organization (including a professional corporation) other than a partnership, joint
venture or limited liability company, you are an insured. Your directors and officers are insureds;
but they are insureds only with respect to their duties as your directors or officers. Your
stockholders and their spouses are insureds; but they are insureds only with respect to their
liability as your stockholders.
Employees Your employees are insureds; but they are insureds only for acts within the scope of their
employment by you or while performing duties related to the conduct of your business.
However, no employee is an insured for.
A. bodily injury, advertising injury or personal injury:
1. to you, to any of your directors, managers, members, officers or partners (whether or
not an employee) or to any co -employee while such injured person is either in the
course of his or her employment or while performing duties related to the conduct of
your business;
2. to the brother, child, parent, sister or spouse of such injured person as a consequence
of any injury described in subparagraph A.1. above; or
3. for which there is any obligation to share damages with or repay someone else who
must pay damages because of any injury described in subparagraphs A.1. or A.2.
above.
With respect to bodily injury only, this limitation does not apply to:
• you or to your directors, managers, members, officers, partners or supervisors as
insureds; or
• your employees, as insureds, with respect to such damages caused by cardio-
pulmonary resuscitation or first aid services administered by such an employee; or
B. property damage to any property owned, occupied or used by you or by any of your
directors, managers, members, officers or partners (whether or not an employee) or by any
of your employees.
This limitation does not apply to property damage to premises while rented to you or
temporarily occupied by you with permission of the owner.
Liability Insurance
Form 80-02-20 (Rev. 4-01) Contract Page 6 of 32
C H U B Bm General Liability
Who Is An Insured
(continued)
Volunteers Persons who are volunteer workers for you are insureds; but they are insureds only for acts within
the scope of their activities for you and at your direction.
Real Estate Managers Persons (other than your employees) or organizations acting as your real estate managers are
insureds; but they arc insureds only with respect to their duties as your real estate managers.
Permissive Users Of With respect to mobile equipment registered in your name under a motor vehicle registration law:
Mobile Equipment A persons driving such equipment on a public road with your permission are insureds; and
B. persons or organizations responsible for the conduct of such persons described in
subparagraph A. above are insureds; but they are insureds only with respect to the operation
of the equipment and only if no other insurance of any kind is available to them.
However, no person or organization is an insured with respect to:
• bodily injury to any co -employee of the person driving the equipment; or
• property damage to any property owned or occupied by or loaned or rented to you, or in
your charge or the charge of the employer of any person who is an insured under this
provision.
Vendors Persons or organizations who are vendors of your products are insureds; but they are insureds
only with respect to their liability for damages for bodily injury or property damage resulting
from the distribution or sale of your products in the regular course of their business and only if this
insurance applies to the products -completed operations hazard.
However, no such person or organization is an insured with respect to any:
• assumption of liability by them in a contract or agreement. This limitation does not apply to
the liability for damages for bodily injury or property damage that such vendor would
have in the absence of such contract or agreement;
• representation or warranty unauthorized by you;
• physical or chemical change in your products made intentionally by the vendor;
• repackaging, unless unpacked solely for the purpose of inspection, demonstration or testing,
or the substitution of parts under instruction from the manufacturer and then repacked in the
original container,
• failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to
make or normally undertakes to make in the usual course of business in connection with the
distribution or sale of your products;
• demonstration, installation, servicing or repair operations, except such operations performed
at the vendor's premises in connection with the sale of your products; or
• of your products which, after distribution or sale by you, have been labeled or relabeled or
used as a container, ingredient or part of any other thing or substance by or for the vendor.
Liabirty insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 7 of 32
Who Is An Insured
Vendors Further, no person or organization from whom you have acquired your products, or any container,
(continued) ingredient or part entering into, accompanying or containing your products, is an insured under
this provision.
Lessors Of Equipment Persons or organizations from whom you lease equipment are insureds; but they are insureds only
with respect to the maintenance or use by you of such equipment and only if you are contractually
obligated to provide them with such insurance as is afforded by this contract.
However, no such person or organization is an insured with respect to any:
• damages arising out of their sole negligence; or
• occurrence that occurs, or offense that is committed, after the equipment lease ends.
Lessors Of Premises Persons or organizations from whom you lease premises are insureds; but they are insureds only
with respect to the ownership, maintenance or use of that particular part of such premises leased to
you and only if you are contractually obligated to provide them with such insurance as is afforded
by this contract.
However, no such person or organization is an insured with respect to any:
• damages arising out of their sole negligence;
• occurrence that occurs, or offense that is committed, after you cease to be a tenant in the
premises; or
• structural alteration, new construction or demolition operations performed by or on behalf of
them
,subsidiary Or Newly If there is no other insurance available, the following organizations will qualify as named insureds:
Acquired Or Formed 0 a subsidiary organization of the first named insured shown in the Declarations of which, at
Organizations the be of the policy nod and at the time of loss, such first named insured controls,
gig P Y Pe
either directly or indirectly, more than fifty (50) percent of the interests entitled to vote
generally in the election of the governing body of such organization; or
• a subsidiary organization of the first named innned shown in the Declarations that such first
named insured acquires or forms during the policy period, if at the time of loss such first
named insured controls, either directly or indirectly, more than fifty (50) percent of the
interests entitled to vote generally in the election of the governing body of such organization.
Limitations On Who Is An A. Fxcept to the extent provided under the Subsidiary Or Newly Acquired Or Formed
Insured Organizations provision above, no person or organization is an insured with respect to the
conduct of any person or organization that is not shown as a named insured in the
Declarations.
B. No person or organization is an insured with respect to the:
1. ownership, maintenance or use of any assets; or
2. conduct of any person or organization whose assets, business or organization;
Liability Insurance
Form 80-02 2000 (Rev. 4-01) Contract Page 8 of 32
C H U B B" General Liability
Who Is An Insured
Limitations On Who Is An you acquire, either directly or indirectly, for any:
Insured bodily injury or property damage that occurred; or
(continued)
• advertising injury or personal injury arising out of an offense first committed;
in whole or in part, before you, directly or indirectly, aquired such assets, business or
organization.
Limits Of Insurance The Limits Of Insurance shown in the Declarations and the rules below fix the most we will pay,
regardless of the number of:
• insureds;
• claims made or suits brought; or
• persons or organizations malting claims or bringing suits.
The Limits Of Insurance apply separately to each consecutive annual period and to any remaining
period of less than twelve (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 twelve (12) months. In that case, the additional period will be deemed part of the last
preceding period for purposes of determining the Limits Of Insurance.
General Aggregate Limit
Subject to the Each Occurrence Limit, the General Aggregate Limit is the most we will pay for the
sum of:
• damages for bodily injury and property damage, except damages included in the
products -completed operations hazard; and
• medical expenses.
Products -Completed
Subject to the Each Occurrence Limit, the Products -Completed Operations Aggregate Limit is the
Operations Aggregate
most we will pay for the sum of damages for bodily injury and property damage included in the
Limit
products -completed operations hazard.
Advertising Injury And
The Advertising Injury And Personal Injury Aggregate Limit is the most we will pay for the sum of
Personal Injury Aggregate
damages for advertising injury and personal injury.
Limit
Each Occurrence Limit The Each Occurrence Limit is the most we will pay for the sum of:
• damages for bodily injury and property damage; and
• medical expenses;
arising out of any one occurrence.
Any amount paid for damages or medical expenses will reduce the amount of the applicable
aggregate limit available for any other payment.
Liabirty Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 8 of 32
Limits Of insurance
Each Occurrence Limit if the applicable aggregate limit has been reduced to an amount that is less than the Each
(continued) Occurrence Limit, the remaining amount of such aggregate limit is the most that will be available
for any other payment.
Damage To Premises Subject to the Each Occurrence Limit, the Damage To Premises Rented To You Limit is the most
Rented To You Limit we will pay for the sum of damages for property damage to any one premises while rented to you
or temporarily occupied by you with permission of the owner.
Medical Expenses Limit Subject to the Each Occurrence Limit, the Medical Expenses Limit is the most we will pay for the
sum of medical expels, under Medical Expenses coverage, for bodily injury sustained by any
one person.
Bodily !nJUry1Pr0PerW None of the following exclusions, except "Contracts", "Expected Or Intended Injury" and "Loss In
DaMage EJiiCIUSions Progress", apply to property damage to premises while rented to you or temporarily occupied by
you with ptrnission of the owner.
Aircraft, Autos Or This insurance does not apply to bodily injury or property damage arising out of the ownership,
Watercraft maintenance, use (use includes operation and loading or unloading) or entrustment to others of
any:
• aircraft;
• auto; or
• watercraft;
owned or operated by or loaned or rented to any insured.
This exclusion does not apply to:
A. a watercraft while ashore on premises owned by or rented to you;
B. a watercraft you do not own, provided that it:
1. is less than fifty-five (55) feet long; and
2. does not transport persons or cargo for a charge;
C. the parking of an auto on premises owned by or rented to you, provided the auto is not
owned by or loaned or rented to you or the insured;
D. the liability for damages assumed in an insured contract resulting from the ownership,
maintenance or use, by others, of an aircraft or watercraft;
E. the operation of the equipment described in subparagraphs F.2. or F.3. of the definition of
mobile equipment; or
F. an aircraft you do not own, provided that:
the pilot in command holds a currently effective certificate, issued by the duly
constituted authority of the United States of America or Canada, designating that
person as a commercial or airline transport pilot;
Liability Insurance
Form 60 ?2000 (Rev. 4-01) Contract Page 10 of 32
C H U B Bin General Liability
:rr J
Aircraft, Autos Or 2. it is rented with a trained, paid crew; and
Watercraft 3. it does not transport persons or cargo for a charge
(continued)
Alcoholic Beverage Type This insurance does not apply to bodily injury or property damage for which any insured may be
Businesses held liable by reason of:
• causing or contributing to the intoxication of any person;
• furnishing alcoholic beverages to a person under the legal drinking age or under the
influence of alcohol; or
• any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic
beverages.
This exclusion applies only if you are in the business of manufacturing, distributing, selling, serving
or furnishing alcoholic beverages.
Contracts This insurance does not apply to bodily injury or property damage for which the insured is
obligated to pay damages by reason of assumption of liability in a contract or agreement.
This exclusion does not apply to the liability for damages:
• that such insured would have in the absence of such contract or agreement; or
assumed in an oral or written contract or agreement that is an insured contract, provided the
bodily injury or property damage, to which this insurance applies, occurs after the
execution of such contract or agreement.
Damage To Alienated This insurance does not apply to property damage to any premises you sell, give away or abandon,
Premises if the property damage arises out of any part of those premises.
This exclusion does not apply if the premises are your work and were never occupied, rented or
held for rental by you.
Damage To Impaired This insurance does not apply to property damage to:
Property Or Property Not impaired property; or
Physically Injured
• property that has not been physically injured;
arising out of any:
defect, deficiency, inadequacy or dangerous condition in your product or your work; or
Uabfflty Insurance
Form e0-0"2 ,gip (Rev. 401) Contract Page 11 of 32
Bodily
InjuredWroperty
Damage Exclusions
Damage To Impaired
Properly Or Properly Not
Physically Injured
(continued)
Damage To Owned
Properly
Damage To Various
Properly Of Others (Care,
Control Or Custody)
Damage To Your Product
Damage To Your Work
Employer's Liability
delay or failure by you or anyone acting on your behalf to perform a contract or agreement in
accordance with its terms and conditions.
This exclusion does not apply to the loss of use of other tangible property resulting from sudden and
accidental physical injury to your product or your work after it has been put to its intended use.
This insurance does not apply to property damage to any property owned by you.
This insurance does not apply to property damage to any:
• personal property loaned or rented to you;
• property held by you or on your behalf for sale or entrusted to you for sdekeepin,g or storage;
• property on your premises for purposes of performing operations on such property by you or
on your behalf;
• tools or equipment used by you or on your behalf in performing operations; or
• property in your care, control or custody that will be erected, installed or used in construction
operations by you or on your behalf.
This exclusion does not apply to the liability for damages assumed in a sidetrack agreement.
This insurance does not apply to property damage to your product arising out of it or any part of
it.
This insurance does not apply to property damage to your work arising out of it or any part of it
and included in the products -completed operations hazard.
This exclusion does not apply if the damaged work or the work causing the damage was performed
on your behalf by a subcontractor.
A. This insurance does not apply to bodily injury to an employee of the insured arising out of
and in the course of-
1 . employment by the insured; or
2. performing duties related to the conduct of the insured's business.
B. This insurance does not apply to bodily injury to the brother, child, parent, sister or spouse
of such employee as a consequence of any injury described in paragraph A. above.
This exclusion applies:
• whether the insured may be liable as an employer or in any other capacity; and
• to any obligation to share damages with or repay someone else who must pay damages
because of any injury described in paragraphs A. or B. above.
Liability Insurance
Form 80-02-20 (Rev. 4-01) Contract Page 12 of 32
C H U B Bm General Liability
Employer's Liability This exclusion does not apply to the liability for damages assumed by the insured in an insured
(continued) contract.
Expected Or Intended This insurance does not apply to bodily injury or property damage arising out of an act that:
Injury a is intended by the insured; or
• would be expected from the standpoint of a reasonable person in the circumstances of the
insured;
to cause bodily injury or property damage, even if the actual bodily injury or property damage
is of a different degree or type than intended or expected.
This exclusion does not apply to bodily injury or property damage resulting from the use of
reasonable force to protect persons or tangible property.
Loss In Progress This insurance does not apply to bodily injury or property damage that is a change, continuation
or resumption of any bodily injury or property damage known by you, prior to the beginning of
the policy period, to have occurred.
Bodily injury or property damage will be deemed to be known by you:
A. if such injury or damage is known by, or should have been known from the standpoint of a
reasonable person in the circumstances of:
1. you;
2. any of your directors, managers, members, officers (or their designees) or partners
(whether or not an employee); and
B. when any person described in paragraph A. above:
1. reports all, or any part, of any such injury or damage to us or any other insurer;
2. receives a claim or a demand for damages because of any such injury or damage; or
3. becomes aware that any such injury or damage has occurred or has begun to occur.
Mobile Equipment This insurance does not apply to bodily injury or property damage arising out of the
Transportation transportation of mobile equipment by an auto owned or operated by or loaned or rented to any
insured.
Liability Insurance
Form 80-02-2000 (Rev. 4-01) contract Page 13 of 32
Added s rl
In juryi�isolr1 Injury
Exclusions
Breach Of Contract
Continuing Offenses
Contracts
Crime Or Fraud
Expected Or Intended
Injury
Failure To Conform To
Representations Or
Warranties
Internet Activities
This insurance does not apply to advertising injury or personal injury arising out of breach of
contract.
This insurance does not apply to advertising injury or personal injury that arises out of that part
of an offense that continues or resumes after the later of the end of the policy period of:
A. this insurance; or
B. a subsequent, continuous renewal or replacement of this insurance, that:
is issued to you by us or by an affiliate of ours;
remains in force while the offense continues; and
would otherwise apply to advertising injury and personal injury.
This insurance does not apply to advertising injury or personal injury for which the insured is
obligated to pay damages by reason of assumption of liability in a contract or agreement.
This exclusion does not apply to the liability for damages:
that such insured would have in the absence of such contract or agreement; or
assumed in a written contract or agreement that is an insured contract, provided the
advertising injury or personal injury, to which this insurance applies, is caused by an
offense first committed after the execution of such contract or agreement.
This insurance does not apply to advertising injury or personal injury arising out of any criminal
or fraudulent conduct committed by or with the consent or knowledge of the imired.
This insurance does not apply to advertising injury or personal injury arising out of an offense,
committed by or on behalf of the insured, that:
• is intended by such insured; or
• would be expected from the standpoint of a reasonable person in the circumstances of such
insured;
to cause injury.
This insurance does not apply to advertising injury or personal injury arising out of the failure of
goods, products or services to conform with any electronic, oral, written or other representation or
warranty of durability, fitness, performance, quality or use.
This insurance does not apply to advertising injury or personal injury arising out of:
• controlling, creating, designing or developing of another's Internet site;
Liability Insuranoe
Form 80-02,2 (Rev. 4-01) Contract Page 14 of 32
CHUBB®
Advertising
In jurylPersonal Injury
Exclusions
Internet Activities
(continued)
Media Type Businesses
Prior Offenses
Publications With
Knowledge Of Falsity
Wrong Description
Of Prices
Medical Expenses
Exclusions
Athletic Activities
Injury To Insureds
General Liability
controlling, creating, designing, developing, determining or providing the content or material
of another's Internet site,
controlling, facilitating or providing, or failing to control, facilitate or provide, access to the
Internet or anther's Internet site, or
publication of content or material on or from the Internet, other than material developed by
you or at your direction.
This insurance does not apply to advertising injury or personal injury arising out of an offense
committed by or on behalf of an insured whose business is advertising, broadcasting, cablecasting,
publishing, telecasting or telemarketing.
This exclusion does not apply to personal injury caused by an offense described in subparagraphs
A., B. or C. of the definition of personal injury.
This insurance does not apply to advertising injury or personal injury arising out of any offense
first committed before the beginning of the policy period.
This insurance does not apply to advertising injury or personal injury arising out of any
electronic, oral, written or other publication of content or material by or with the consent of the
insured:
with knowledge of its falsity; or
if a reasonable person in the circumstances of such insured would have known such content
or material to be false.
This insurance does not apply to advertising injury or personal injury arising out of any wrong
description of the price of goods, products or services.
This insurance does not apply to medical expenses arising out of bodily injury to any person
injured while taking part in athletics.
This insurance does not apply to medical expenses arising out of a bodily injury to any insured,
except a volunteer worker.
Lisbirty Insurance
Form 80-02-2000 (Rev. 4-01) Contract Pago 15 of 32
Medical Expenses
Exclusions
(continued)
Nuclear Energy This insurance does not apply to medical expenges arising out of bodily injury in any way related
to the:
• nuclear hazardous properties of nuclear material; and
• operation of a nuclear facility by any person or organization.
Products -Completed This insurance does not apply to medical expenses arising out of bodily injury included in the
Operations Hazard products -completed operations hazard.
Workers' Compensation This insurance does not apply to medical expenses arising out of bodily injury to any person,
Or Similar Laws whether or not an employee of any insured, if benefits for such bodily injury are payable or must
be provided under any workers' compensation, disability benefits or unemployment compensation
law or any similar law.
Policy Etcluslons
Asbestos A. This insurance does not apply to bodily injury, property damage, advertising injury or
personal injury arising out of the actual, alleged or threatened contaminative, pathogenic,
toxic or other hazardous properties of asbestos.
B. This insurance does not apply to any loss, cost or expense arising out of any:
1. request, demand, order or regulatory or statutory requirement that any insured or
others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in
any way respond to, or assess the effects of asbestos; or
2. claim or proceeding by or on behalf of a governmental authority or others for damages
because of testing for, monitoring, cleaning up, removing, containing, treating,
detoxifying or neutralizing, or in any way responding to, or assessing the effects of
asbestos.
Employment -Related A. This insurance does not apply to any damages sustained at any time by any person, whether
Practices or not sustained in the course of employment by any insured, arising out of any
employment -related act, omission, policy, practice or representation directed at such person,
occurring in whole or in part at any time, including any:
1. arrest, detention or imprisonment;
2. breach of any express or implied covenant;
3. coercion, criticism, humiliation, prosecution or remotion;
4. defamation or disparagement;
5. demotion, discipline, evaluation or reassignment;
6. discrimination, harassment or segregation;
Liability Insurance
Form 80.02 2000 (Rev. 4-01) Contract Page 16 of 32
C H U B Be General Liability
Policy Exclusions
Employment -Related 7. a. eviction; or
Practices b, invasion or other violation of any right of occupancy;
(continued)
8. failure or refusal to advance, compensate, employ or promote;
9. invasion or other violation of any right of privacy or publicity;
10. termination of employment; or
11. other employmcnt-related act, omission, policy, practice, representation or relationship
in connection with any insured at any time.
B. This insurance does not apply to any damages sustained at any time by the brother, child,
parent, sister or spouse of such person at whom any employment -related act, omission,
policy, practice or representation is directed, as described in paragraph A. above, as a
consequence thereof.
This exclusion applies:
whether the insured may be liable as an employer or in any other capacity; and
to any obligation to share damages with or repay someone else who must pay damages
because of any of the foregoing.
Enhancement, This insurance does not apply to any loss, cost or expense incurred by you or others for any:
Maintenance Or Prevention A enhancement or maintenance of an e or
Expenses y property; '
B. prevention of any injury or damage to any:
1. person or organization; or
2. property you own, rent or occupy.
Intellectual Properly Laws This insurance does not apply to any actual or alleged bodily injury, property damage,
Or Rights advertising injury or personal injury arising out of, giving rise to or in any way related to any
actual or alleged:
assertion; or
infringement or violation;
by any person or organization (including any insured) of any intellectual property law or right,
regardless of whether this insurance would otherwise apply to all or part of any such actual or
alleged injury or damage in the absence of any such actual or alleged assertion, infringement or
violation.
This exclusion applies, unless such injury:
is caused by an offense described in the definition of advertising injury; and
does not arise out of, give rise to or in any way relate to any actual or alleged assertion,
infringement or violation of any intellectual property law or right, other than one
described in the definition of advertising injury.
bability Insurance
Form 80-02-2000 (Rev. 4-01) Contract Page 17 of 32
Policy Exclusions
(continued)
Nuclear Energy A. This insurance does not apply to bodily injury, nuclear property damage, advertising
injury or personal injury:
with respect to which any insured under this policy also has status as an insured under
a nuclear energy liability policy issued by Nuclear Energy Liability Insurance
Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance
Association of Canada or any of their successors, or would have had status as an
insured under any such policy but for its termination upon exhaustion of its limit of
insurance; or
2. arising out of the nuclear bazardous propel of nuclear material and with
respect to which:
a. any person or organization is required to maintain financial protection pursuant
to the United States of America Atomic Energy Act of 1954, or any law
amendatory thereof, or
b. the insured is, or had this policy not been issued would be, entitled to
indemnity from the United States of America, or any agency thereof, under any
agreement entered into by the United States of America, or any agency thereof,
with any person or organization.
B. This insurance does not apply to bodily injury, nuclear property damage, advertising
injury or personal injury arising out of the nuclear bazardous properties of nuclear
material:
if the nuclear material:
is at any nuclear facility owned by, or operated by or on behalf of, any
insured;
b. has been discharged or dispersed therefrom or
is contained in nuclear spent fuel or nuclear waste at any time transported,
handled, stored, disposed of, processed, treated, possessed or used by or on
behalf of any insured; or
2. in any way related to the famishing by any imured of services, materials, parts or
equipment in connection with the planning, construction, maintenance, operation or
use of any nuclear facility. But if such facility is located within the United States of
America (including its possessions or territories) or Canada, this subparagraph 2.
applies only to nuclear property damage to such nuclear facility and any property
thereat.
Pollution A. This insurance does not apply to bodily injury, property damage, advertising injury or
personal injury arising out of the actual, alleged or threatened discharge, dispersal, seepage,
migration, release or escape of pollutants:
1. at or from any premises, site or location which is or was at any time owned or
occupied by, or loaned or rented to, any insured;
2. at or from any premises, site or location which is or was at any time used by or for any
insured or others for the handling, storage, disposal, processing or treatment of waste;
Liability Insurance
Form 80-02 2000 (Rev. 4-01) contact Page 18 of 32
C H U B B® General Liability
Policy Exclusions
Pollution 3. which are or were at any time transported, handled, stored, disposed of, processed or
(confinued) treated as waste by or for any:
a. insured; or
b. person or organization for whom any insured may be legally responsible; or
4. at or from any premises, site or location on which any insured or any contractor or
subcontractor working directly or indirectly on any insured's behalf is performing
operations, if the:
a. pollutants are brought on or to the premises, site or location in connection with
such operations by such insured, contractor or subcontractor; or
b. operations are to test for, monitor, clean up, remove, contain, treat, detoxify or
neutralize, or in any way respond to, or assess the effects of pollutants.
Subparagraph A.4.a. above does not apply to bodily injury or property damage caused by
the escape of fuels, lubricants or other operating fluids which are needed to perform the
normal electrical, hydraulic or mechanical functions necessary for the operation of mobile
equipment or its parts, if such operating fluids escape directly from that particular part of
such mobile equipment designed by its manufacturer to hold, store or receive them. But, this
exception does not apply if such bodily injury or property damage arises out of any
discharge, dispersal, seepage, migration, release or escape of pollutants, that:
• was intended by the insured;
• would have been expected from the standpoint of a reasonable person in the
circumstances of the insured;
• was a necessary part of operations performed by any insured, contractor or
subcontractor; or
• occurred during the process of fueling the mobile equipment or changing or
replenishing any operating fluid.
Subparagraph AAa. above does not apply to bodily injury or property damage if sustained
within a building and caused by the release of gaseous irritants or contaminants from
materials brought into that building, in connection with the operations being performed by
you or on your behalf by the contractor or subcontractor.
Subparagraph A.1. above does not apply to bodily injury if sustained within a building and
caused by the escape of gaseous irritants or contaminants from equipment used to heat that
building.
Subparagraphs A.1. and A.4.a. above do not apply to bodily injury or property damage
caused by heat, smoke or fumes from a hostile fire.
B. This insurance does not apply to any loss, cost or expense arising out of any:
1. request, demand, order or regulatory or statutory requirement that any insured or
others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in
any way respond to, or assess the effects of pollutants; or
Liability Insurance
Forrn 80,02-2000 (Rev. 401) Contract Page 19 of 32
Policy Exclusions
Pollution 2. claim or proceeding by or on behalf of a goveimental authority or others for damages
(continued) because of testing for, monitoring, cleaning up, removing, containing, treating,
detoxifying or neutralizing, or in any way rMoriding to, or assessing the effects of
pollutants.
Paragraph B. above does not apply to the liability for damages, for property damage, that
the iastired would have in the absence of such request, demand, order or regulatory or
statutory requirement, or such claim or proceeding by or on behalf of a governmental
authority.
This exclusion does not apply to the liability for damages, for property damage, to premises while
rented to you or temporarily occupied by you with permission of the owner and caused by a hostile
fire, explosion, smoke or leakage from fire protective equipment.
This exclusion applies regardless of whether or not the pollution was accidental, expected, gradual,
intended, preventable or sudden.
Recall Of Products, Work This insurance does not apply to any damages claimed for any loss, cost or expense incurred by you
Or impaired Property or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment,
removal or disposal of.
• your product;
• your work; or
• impaired property;
if such product, work or property is withdrawn or recalled from the market or from use by any
person or organization because of a known or suspected defect, deficiency, inadequacy or
dangerous condition in it.
Workers' Compensa6on This insurance does not apply to any obligation of the insured under any workers' compensation,
Or Similar Laws disability benefits or unemployment compensation law or any similar law.
Conditions
Arbitration We are entitled to exercise all of the insured's rights in the choice of arbitrators and in the conduct
of any arbitration proceeding, except when the proceeding is between us and the insured.
Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our
obligations under this insurance.
Liability Insurance
Fonn 80-2000 (Rev. 4-01) contact Page 20 of 32
CHUBB"
Conditions
(continued)
General Liability
Disclosures And We have issued this insurance:
Representations based upon representations you made to us; and
• in reliance upon your representations.
Unintentional failure of an employee of the insured to disclose a hazard or other material
information will not violate this condition, unless an officer (whether or not an employee) of any
insured or an officer's designee knows about such hazard or other material information.
Duties In The Event Of A. You must see to it that we and any other insurers are notified as soon as practicable of any
Occurrence, Offense, occurrence or offense that may result in a claim, if the claim may involve us or such other
Claim Or Suit insurers. To the extent possible, notice should include:
1. how, when and where the occurrence or offense happened;
2. the names and addresses of any injured persons and witnesses; and
3. the nature and location of any injury or damage arising out of the occurrence or
offense.
B. If a claim is made or suit is brought against any insured, you must:
1. immediately record the specifics of the claim or suit and the date received;
2. notify us and other insurers as soon as practicable; and
3. see to it that we receive written notice of the claim or suit as soon as practicable.
C. You and any other involved insured must:
1. immediately send us copies of any demands, notices, summonses or legal papers
received in connection with the claim or suit;
2. authorize us to obtain records and other information;
3, cooperate with us and other insurers in the:
a. investigation or settlement of the claim; or
b. defense against the suit; and
4. assist us, upon our request, in the enforcement of any right against any person or
organization that may be liable to the insured because of loss to which this insurance
may also apply.
D. No insureds will, except at that insured's own cost, make any payment, assume any
obligation or incur any expense, other than for first aid, without our consent.
E. Notice given by or on behalf of:
1. the insured;
2. the injured person; or
3. any other claimant;
to a licensed agent of ours with particulars sufficient to identify the insured shall be deemed
notice to us.
Liability Insurance
Forin 80-02-2000 (Rev. 4-01) Contract Page 21 of 32
Duties In The Event Of F. Knowledge of an occurrence or offense by an agent or employee of the insured will not
Occurrence, Offense, constitute knowledge by the insured, unless an officer (whether or not an employee) of any
Claim Or Suit insured or an officer's designee knows about such occurrence or offense.
(continued)
G. Failure of an agent or employee of the insured, other than an officer (whether or not an
employee) of any insured or an officer's designee, to notify us of an occurrence or offense
that such person knows about will not affect the insurance afforded to you.
H. If a claim or loss does not reasonably appear to involve this insurance, but it later develops
into a claim or loss to which this insurance applies, the failure to report it to us will not
violate this condition, provided the insured gives us immediate notice as soon as the insured
is aware that this insurance may apply to such claim or loss.
Legal Action Against Us No person or organization has a right under this insurance to:
• join us as a party or otherwise bring us into a suit seeking damages from an insured; or
• sue us on this insurance unless all of the terms and conditions of this insurance have been
fully complied with.
A person or organization may sue us to recover on an agreed settlement or on a final judgment
against an insured obtained after an actual:
• trial in a civil proceeding; or
arbitration or other alternative dispute resolution proceeding;
but we will not be liable for damages that are not payable under the terms and conditions of this
insurance or that are in excess of the applicable Limits Of Insurance.
Other Insurance If other valid and collectible insurance is available to the insured for loss we would otherwise
cover under this insurance, our obligations are limited as follows.
Primary Insurance
This insurance is primary except when the Excess Insurance provision described below applies.
If this insurance is primary, our obligations are not affected unless any of the other insurance is also
primary. Then, we will share with all that other insurance by the method described in the Method of
Sharing provision described below.
Excess Insurance
This insurance is excess over any other insurance, whether primary, excess, contingent or on any
other basis:
A. that is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar insurance for
your work;
B. that is insurance that applies to property damage to premises rented to you or temporarily
occupied by you with permission of the owner;
C. if the loss arises out of aircraft, autos or watercraft (to the extent not subject to the Aircraft,
Autos Or Watercraft exclusion);
Liability Insurance
Form 8 2000 (Rev. 4-01) Coni act Page 22 of 32
C H U B B• General Liability
Conditions
Other Insurance D. that is insurance:
(continued) 1. provided to you by any person or organization working under contract or agreement
for you; or
2. under which you are included as an insured; or
E. that is insurance under any Property section of this policy.
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 such insured against such suit. If no other insurer defends, we
will undertake to do so, but we will be entitled to the insured's rights against all those other
insurers.
When this insurance is excess over other insurance, we will pay only our share of the amount of
loss, if any, that exceeds the sum of the total:
• amount that all other insurance would pay for loss in the absence of this insurance; and
• of all deductible and self -insured amounts under all 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 negotiated specifically to apply in excess of the Limits Of
Insurance shown in the Declarations of this insurance.
Method of Sharing
If all of the other insurance permits contribution by equal shares, we will follow this method also.
Under this method each insurer contributes equal amounts until it has paid its applicable limits of
insurance or none of the loss remains, whichever comes first.
If any of the other insurance does not permit contribution by equal shares, we will contribute by
limits. Under this method, each insurer's share is based on the ratio of its applicable limits of
insurance to the total applicable limits of insurance of all insurers.
Premium Audit We will compute all premiums for this insurance in accordance with our rules and rates.
In accordance with the Estimated Premiums section of the Premium Summary, premiums shown
with an asterisk (*) are estimated premiums and are subject to audit.
In addition to or in lieu of such designation in the Premium Summary, premiums may be designated
as estimated premiums elsewhere in this policy. In that case, these premiums will also be subject to
audit, and the second paragraph of the Estimated Premiums section of the Premium Summary will
apply.
Separation Of Insureds Except with respect to the Limits Of Insurance, and any rights or duties specifically assigned in this
insurance to the first named insured, this insurance applies:
• as if each named insured were the only named insured; and
• separately to each insured against whom claim is made or suit is brought.
Liability Insurance
Form 80-02-2000 (Rev. 4-01) contract Pago 23 of 32
Conditions
(continued)
Transfer Or Waiver Of
Rights Of Recovery
Against Others
Li9blifty hsunmce
We will waive the right of recovery we would otherwise have had against an person or
organizatio% for loss to which this insurance applies, provided the insured has waived their rights
of recovery against such person or organization in a contract: or agreement that is executed before
such loss.
To the extent that the bmwed's rights to recover all or part of any payment made under this
insurance have not been waived, those rights are transferred to us. The insured must do nothing
after loss to impair them. At our request, the insured will bring suit or transfer those rights to us
and help us enforce them.
This condition does not apply to medical eM*nm.
Form 80-02-2000 (Rev. 4-01) Contract Page 24 of 32
CHUBB®
Definitions
Advertisement
Advertising Injury
Agreed Settlement
Asbestos
Auto
Bodily Injury
Employee
Hostile Fire
General Liability
WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Advertisement means an electronic, oral, written or other notice, about goods, products or services,
designed for the specific purpose of attracting the general public or a specific market segment to
use such goods, products or services.
Advertisement does not include any e-mail address, Internet domain name or other electronic
address or metalanguage.
Advertising injury means injury, other than bodily injury, property damage or personal injury,
sustained by a person or organization and caused by an offense of infringing, in that particular part
of your advertisement about your goods, products or services, upon their:
• copyrighted advertisement; or
• registered collective mark, registered service mark or other registered trademarked name,
slogan, symbol or title.
Agreed settlement means a settlement and release of liability signed by us, the insured and the
claimant or the claimant's legal representative.
Asbestos means asbestos in any form, including its presence or use in any alloy, by-product or
other material or waste. Waste includes material to be recycled, reconditioned or reclaimed.
Auto means a land motor vehicle. trailer or semi -trailer designed for travel on public roads,
including any attached machinery or equipment. But auto does not include mobile equipment.
Bodily injury means physical:
injury;
sickness; or
• disease;
sustained by a person, including resulting death, hurriihation, mental anguish, mental injury or
shock at any time. All such loss shall be deemed to occur at the time of the physical injury, sickness
or disease that caused it.
Employee includes a leased worker. Employee does not include a temporary worker.
Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to
be.
Liabirty Insurance
Fonn 80-02-2000 (Rev. 4-01) Contract Page 25 of 32
Definitions WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
(continued) AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Impaired Property Impaired property means tangible property, other than your product or your work, that cannot
be used or is less useful because:
it incorporates your product or your work that is known or thought to be defective,
deficient, inadequate or dangerous; or
you have failed to fulfill the terms or conditions of a contract or agreement;
if such property can be restored to use by:
the repair, replacement, adjustment or removal of your product or your work; or
your fulfilling the terms or conditions of the contract or agreement.
Insured Insured means a person or an organization qualifying as an insured in the Who Is An Insured
section of this contract.
Insured Contract Insured contract:
A. means:
1. a lease of premises;
2. a sidetrack agreement;
3. an easement or license agreement;
4. an obligation, as required by ordinance, to indemnify a municipality, except in
connection with work for a municipality;
5. an elevator maintenance agreement; or
6. any other contract or agreement pertaining to your business (including an
indemnification of a municipality in connectionwith work performed for such
municipality) in which you assume the tort liability of another person or organization
to pay damages, to which this insurance applies, sustained by a third person or
organization.
B. does not include that part of any contract or moment that indemnifies an architect,
engineer or surveyor for damages arising out of.-
1 . preparing, approving or failing to prepare or approve maps, drawings, opinions,
reports, surveys, field orders, change orders, designs or specifications; or
giving directions or instructions, or failing to give them
Liability Insurarrce
Form 60-0221 d (Rev. 4-01) Contract Page 26 of 32
CHUBB®
Definitions
(continued)
Intellectual Property Law
Or Right
Leased Worker
Loading Or Unloading
Medical Expenses
Mobile Equipment
General Liability
WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Intellectual property law or right means any:
• certification mark, copyright, patent or trademark (including collective or service marks);
• right to, or judicial or statutory law recognizing an interest in, any trade secret or confidential
or proprietary non -personal information;
■ other right to, or judicial or statutory law recognizing an interest in, any expression, idea,
likeness, name, slogan, style of doing business, symbol, title, trade dress or other intellectual
property; or
• other judicial or statutory law concerning piracy, unfair competition or other similar
practices.
Leased worker means a person leased to a party by a labor leasing firm, in a contract or agreement
between such party and the labor leasing firm, to perform duties related to the conduct of the party's
business. Leased worker does not include a temporary worker.
Loading or unloading:
A. means the handling of property:
after it is moved from the place where it is accepted for movement into or onto an
aircraft, auto or watercraft;
2. while it is in or on an aircraft, auto or watercraft; or
3. while it is being moved from an aircraft, auto or watercraft to the place where it is
finally delivered.
B. does not include the movement of property by means of a mechanical device, other than a
hand truck, that is not attached to the aircraft, auto or watercraft.
Medical expenses means reasonable expenses for necessary:
• first aid administered at the time of an accident;
medical, surgical, x-ray and dental services, including prosthetic devices; and
ambulance, hospital, professional nursing and funeral services.
Mobile equipment means any of the following types of land vehicles, including any attached
machinery or equipment:
A. bulldozers, farm machinery, forklifts and other vehicles designed for use principally off
public roads;
B. vehicles maintained for use solely on premises owned by or rented to you;
C. vehicles that travel on crawler treads;
Liability Insurance
Form 80.02-2 0, (Rev. 4-01) Contract Page 27 of 32
Definftions WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Mobile Equipment
(continued)
Nuclear Facility
D. vehicles, whether self-propelled or not, maintained primarily to provide mobility to
permanently mounted:
1. power cranes, shovels, loaders, diggers or drills; or
2. road construction or resurfacing equipment such as graders, scrapers or rollers;
E. vehicles not described in subparagraphs A., B., C. or D. above that are not self-propelled and
are maintained primarily to provide mobility to permanently attached equipment of the
following types:
1. air compressors, pumps and generators, including spraying, welding, building
cleaning, geophysical exploration, lighting and well servicing equipment; or
2. cherry pickers and similar devices used to raise or lower workers; and
F. vehicles not described in subparagraphs A., B., C. or D. above maintained primarily for
purposes other than the transportation of persons or cargo.
Mobile equipment does not include self-propelled vehicles with the following types of
permanently attached equipment, and such vehicles will be Considered autos:
1. equipment designed primarily for:
a. snow removal;
b. road maintenance, but not construction or resurfacing; or
C. street cleaning;
2. cherry pickers and similar devices mounted on automobile or truck chassis and used to
raise or lower workers; and
3. air compressors, pumps and generators, including spraying, welding, building
cleaning, geophysical exploration, lighting and well servicing equipment.
Nuclear facility means any:
A. nuclear reactor;
B. equipment or device designed or used for.
1. separating the isotopes of plutonium or uranium;
2. processing or utilizing nuclear spent fuel; or
3. handling, processing or packaging nuclear waste;
C. equipment or device used for the processing, fabricating or alloying of nuclear material, if
at any time the total amount of such material in the custody of the insured at the premises
where such equipment or device is located consists of or contains more than:
1. twenty-five (25) grams of plutonium or uranium 233, or any combination thereof, or
2. two -hundred -fifty (250) grams of uranium 235; or
Liability Insurance
Form 80-02-20W (Rev. 4-01) Contract Page 28 of 32
C H U B B® General Liability
Definitions WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Nuclear Facility D. structure, basin, excavation, premises or place prepared or used for the storage or disposal of
(continued) nuclear waste;
and includes the site on which any of the foregoing is located, all operations conducted on such site
and all premises used for such operations.
Nuclear Hazardous Nuclear hazardous properties includes radioactive, toxic or explosive properties.
Properties
Nuclear Material Nuclear material means by-product material, source material or special nuclear material.
By-product material, source material and special nuclear material have the meanings given
them in the United States of America Atomic Energy Act of 1954 or in any law amendatory
thereof.
Nuclear Property Nuclear property damage includes all forms of radioactive contamination of property.
Damage
Nuclear Reactor Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self-
supporting chain reaction or to contain a critical mass of fissionable material.
Nuclear Spent Fuel Nuclear spent fuel means any fuel element or fuel component, solid or liquid, which has been used
or exposed to radiation in a nuclear reactor.
Nuclear Waste Nuclear waste means any waste material:
containing nuclear material, other than the tailings or wastes produced by the extraction or
concentration of uranium or thorium from any ore processed primarily for its source
material content; and
resulting from the operation by any person or organization of any nuclear facility described
in subparagraphs A. or B. of the definition of nuclear facility.
Occurrence Occurrence means an accident, including continuous or repeated exposure to substantially the
same general harmful conditions.
Officer Officer means a person holding any of the officer positions created by an organization's charter,
constitution, by-laws or any other similar governing document.
Liabirty Insurance
Form 80.02-2000 (Rev. 4-01) contract Page 29 of 32
Definitions WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
(continued) AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Personal Injury Personal injury means injury, other than bodily injury, property damage or advertising injury,
caused by an offense of:
A. false arrest, false detention or other false imprisonment;
B. malicious prosecution;
C. wrongful entry into, wrongful eviction of a person from or other violation of a person's right
of private occupancy of a dwelling, premises or room that such person occupies, if
committed by or on behalf of its landlord, lessor or owner,
D. electronic, oral, written or other publication of material that:
1. libels or slanders a person or organization (which does not include disparagement of
goods, products, property or services); or
2. violates a person's right of privacy; or
E. discrimination, harassment or segregation based on a person's age, color, national origin,
race, religion or sex.
Pollutants Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke,
vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled,
reconditioned or reclaimed.
Products -Completed Products -completed operations hazard:
Operations Hazard A. includes all bodily injury Yand property Ydaes a taking Place away from Premises owned or
occupied by or loaned or rented to you and arising out of your product or your work,
except:
1. products that are still in your physical possession; or
2. work that has not yet been completed or abandoned.
Your work will be deemed completed when:
• all of the work called for in your contract or agreement has been completed
• all of the work to be performed at the site has been completed, if your contract or
agreement calls for work at more than one site.
• that part of the work completed at a site has been put to its intended use by any person
or organization other than another contractor or subcontractor working on the same
project.
Work that may need service, maintenance, correction, repair or replacement, but which is
otherwise complete, will be treated as completed
B. does not include bodily injury or property damage arising out of-
1 . the transportation of property, unless the injury or damage results from a condition in
or on a vehicle not owned or operated by or loaned or rented to you and that condition
was created by the loading or unloading of that vehicle by any insured;
Liability Insurance
Form 8 -,2t ' (Rev. 4-01) Contract Page 30 of 32
C H U B Bm General Liability
Definitions
WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Products -Completed
2. the existence of tools, uninstalled equipment or abandoned or unused materials; or
Operations Hazard
3. products or operations for which the classification in our rules indicates that such products or
(continued)
operations are not subject to the Products -Completed Operations p � mp Op Aggregate Limit of
insurance.
Property Damage Property damage means:
physical injury to tangible property, including resulting loss of use of that property. All such
loss of use shall be deemed to occur at the time of the physical injury that caused it; or
loss of use of tangible property that is not physically injured. All such loss of use shall be
deemed to occur at the time of the occurrence that caused it.
Tangible property does not include any software, data or other information that is in electronic
form.
Suit Suit means a civil proceeding in which damages, to which this insurance applies, are sought. Suit
includes an arbitration or other dispute resolution proceeding in which such damages are sought and
to which the insured must submit or does submit with our consent.
Temporary Worker Temporary worker means a person who is furnished to a party to substitute for a permanent
employee on leave or to meet seasonal or short-term workload conditions.
Your Product Your product:
A. means any:
1. goods or products, other than real property, manufactured, sold, handled, distributed or
disposed of by:
EL you;
b. others trading under your name; or
c, a person or organization whose assets or business you have acquired; and
2. containers (other than vehicles), materials, parts or equipment furnished in connection
with such goods or products.
B. includes:
1. representations or warranties made at any time with respect to the durability, fitness,
performance, quality or use of your product; and
2. the providing of or failure to provide instructions or warnings.
C. does not include vending machines or other property loaned or rented to or located for the
use of others but not sold.
Liability Insurance
Form 80-02-2000 (Rev. 4-01) contract Pege 31 of 32
Definitions WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT, WORDS
(continued) AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS
DESCRIBED BELOW:
Your Work Your work:
A. means any:
work or operations performed by:
you or on your behalf; or
b. a person or organization whose assets or business you have acquired; and
materials, parts or equipment furnished in connection with such work or operations.
B. includes:
representations or warranties made at any time with respect to the durability, fitness,
performance, quality or use of your work; and
the providing of or failure to provide instructions or warnings.
Liability Insurance
Form (Rev. 4-01) Conhact Page 32 of 32