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PROOF OF INSURANCE (2024 - 2024) CLOSEDCERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) 9/12/2023 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER Marsh & McLennan Agency LLC 5500 Cherokee Avenue, Suite 300 Alexandria VA 22312 INSURED Carahsoft Technology Corp. FedResults, Inc. 11493 Sunset Hills Road Suite 100 Reston VA 20190 COVERAGES CERTIFICATE NUMBER:689254962 REVISION NUMBER: 11 THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ...._ __- .Y, �,._._--------------- rNSR AD St�BR ---- P01.1CY E'FF POLNCY EYP -TR TYPE OF INSURANCE POLICY NUMBER MM/DO/Y MWDD LIMITS A X COMMERCIAL GENERAL LIABILITY Y ENP0651059 4/19/2023 4/19/2024 EACH OCCURRENCE $1,000,000 I7X CLAIMS -MADE OCCUR PRIEMISES LEO or„a;ut—r mice $,500 000 ... .... ...... .. MED EXP (An one person) $ 10 000 _ _ INJURYPERSONAL &ADV GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2, 000 000 E PRO, .. POLICYE LOC —, PRODUCTS COMP/OP,AGG .. $ Z000,000 OTHER; $ A AUTOMOBILE LIABILITY Y EBA0651059 4/19/2023 4/19/2024 COMBIN1:DSINGLE LIMI $1,000,000 X ANY AUTO BODILY INJURY (Per person) $ OWNED SCHEDULED BODILY INJURY (Per accident) -$mmmmmmmITITmmmmmmmmmmmmmmmmmmmmmmmm-mmmmm AUTOS ONLY AUTOS X TOS 6.R.g nCkAwhJ',�1GE Al ONLY ._X AUTOS ONLY ...................... -$ ..............-..--.m........m...m....m.mmmmm.. $ A X UMBRELLA LIAB X OCCUR ENP0651059 4/19/2023 4/19/2024 EACH OCCURRENCE $5,000,000 EXCESS LIAB AGGREGATE A ............................................................,.- $5,000,000 DED k RETENTION $ $ WORKERS COMPENSATION ' EMPLOYERS' LIABILITY Y / N TA ...... ,STATUTE ,,,ER,,_,_;. ANYPROPRIETOR/PARTNER/EXECUTIVE E. DENT L.EACH I $ OFFICER/MEMBER EXCLUDED? N / A ...E .....................................................—............. (Mandatory in NH) SEASCC L E- EA EMPLOYEE. $ If yes, describe under DESCRIPTION OF OPERATIONS below L E.L. DISEASE -POLICY LIMIT $ B Cyber& Professional Liability NR030043701400 6/27/2023 B/27/2024 $5,000,000 Occ $5,000,000 Agg C Crime 30TP032740921 2/6/2023 2/6/2024 $6,000,000 Limit $50,000 Deductible DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) City of El Segundo is listed as an additional insured, ATIMA. CERTIFICATE HOLDER CANCELLATION City of El Segundo 350 Main Street III Segundo CA 90245 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CinciPlus° BUSINESS AUTO XC+° (EXPANDED COVERAGE PLUS) ENDORSEMENT - VIRGINIA This endorsement modifies insurance provided by the following: BUSINESS AUTO COVERAGE FORM With respect to the coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by this endorsement. A. Liability Coverage Extensions - Supple- E. Blanket Waiver of Subrogation mentary Payments - Higher Limits SECTION IV - BUSINESS AUTO CONDI- SECTION II - LIABILITY COVERAGE, A. TIONS, A. Loss Conditions, 5. Transfer of Coverage, 2. Coverage Extensions, a. Sup- Rights of Recovery Against Others to Us is plementary Payments is amended by: amended by the addition of the following: 1. Replacing the $2,000 Limit of Insurance for bail bonds with $4,000 in (2); and 2. Replacing the $250 Limit of Insurance for reasonable expenses with $500 in (4). B. Transportation Expense - Higher Limits SECTION III - PHYSICAL DAMAGE COV- ERAGE, A. Coverage, 4. Coverage Exten- sions is amended by replacing $20 per day with $50 per day, and $600 maximum with $1,500 maximum in Extension a. Transpor- F tation Expenses. C. Airbag Coverage We waive any right of recovery we may have against any person or organization because of payments we make for "bodily injury" or "property damage" arising out of the operation of a covered "auto" when you have assumed liability for such "bodily injury" or "property damage" under an "insured contract", provid- ed the "bodily injury" or "property damage" oc- curs subsequent to the execution or the "in- sured contract". Noncontributory Insurance SECTION IV - BUSINESS AUTO CONDI- TIONS, B. General Conditions, 5. Other In- surance is amended by adding the following: SECTION III - PHYSICAL DAMAGE COV- ERAGE, B. Exclusions, 3.a. is amended by e. Regardless of the provisions of Para - adding the following: graph a. above, this Coverage Form's Li- ability Coverage is primary and we will not However, the mechanical and electrical seek contribution from any other insur- breakdown portion of this exclusion does not ance for any liability assumed under an apply to the accidental discharge of an airbag. "insured contract' that requires liability to This coverage for airbags is excess over any be assumed on a primary noncontributory other collectible insurance or warranty. basis. D. Glass Repair -Waiver of Deductible G. Additional Insured by Contract SECTION III - PHYSICAL DAMAGE COV- SECTION II - LIABILITY COVERAGE, A. ERAGE, D. Deductible is amended by adding Coverage, 1. Who is an Insured is amended the following: to include as an insured any person or organi- zation with which you have agreed in a valid No deductible applies to glass damage if the written contract to provide insurance as is af- glass is repaired in a manner acceptable to us forded by this policy. rather than replaced. Includes copyrighted material of ISO AA 288 VA 01 16 Properties, Inc., with its permission. COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A Cancellation 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or delivering to the first Named Insured writ- ten notice of cancellation at least: a. 10 days before the effective date of cancellation if we cancel for nonpay- ment of premium; or b. 30 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effec- tive date of cancellation. The policy pe- riod will end on that date. 5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. B. Changes This policy contains all the agreements be- tween you and us concerning the insurance af- forded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. C. Examination of Your Books and Records We may examine and audit your books and records as they -relate -to -this -policy -at any during the policy period and up to three years afterward. D. Inspections and Surveys 1. We have the right to: a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. 2. We are not obligated to make any inspec- tions, surveys, reports or recommenda- tions and any such actions we do under- take relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not un- dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. Paragraphs 1. and 2. of this condition ap- ply not only to us, but also to any rating, advisory, rate service or similar organiza- tion which makes insurance inspections, surveys, reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recommendations we may make rela- tive to certification, under state or munici- pal statutes, ordinances or regulations, of boilers, pressure vessels or elevators. E. Premiums The first Named Insured shown in the Declara- tions: 1. Is responsible for the payment of all pre- miums; and 2. Will be the payee for any return premiums we pay. F. Transfer of Your Rights and Duties Under this Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die, your rights and duties will be trans- ferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal represen- tative is appointed, anyone having proper tem- porary custody of your property will have your rights and duties but only with respect to that property. IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Policy Number: ENP0651059 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY BROADENED ENDORSEMENT - VIRGI LIA This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Endorsement -Table of Contents: 1. Employee Benefit Liabili Cove ra e.... ... ..3 C N 2. Unintentional Failure to isclose azards...... .................. ..................... ......8 3. Damage to Premises Dented to You ........ ............................................................................... 8 4. 5. a Nementary Payments........................................................................9 dcaN Payments 6. .........................................................................9 180, Day Coverage for Newly Formed or Acquired Organizations........................................9 7. Vl9aiverofSubrogation.,....... ,.... ,...................................................................................10 8. Automatic Additional Insured -Specified Relationships:..................................................10 Managers or Lessom of Premises; Lessor of Leased Equipment; • Vendors; • State or Govemmental Ag,enc or Subdivision or Political Subdivision - Permits or Authorizations Relatin to premises; and Mort9. 10. g or quier Pro arty Rama, a to orrow d Equipment........ . .... . p y d E+quipment .......................... ............ ........................13 Employees as insureds Specified Health Care Services and Good Samaritan Services............ ........ ........ ......................................................................................14 11. Broadened Notice of Occurrence..........................................................................................14 12. Nonowned Aircraft......... ......... ............ ......... .... ....... ... ,................ .............. 14 13. 14. Bodily In`ury Redefined...., Expecte Intended Injury Redefined 14 14 15. or ......... .....a.... ...,...,...,...... .,...,.,. Former Employees as Insureds .................... .............................. .......14 B. Limits of Insurance: The Commercial General Liability Limits of Insurance apply to the insurance provided by this endorse- ment, except as provided below: 1. Employee Benefit Liability Coverage Each Employee Limit: $1,000,000 Aggregate Limit: $3,000,000 Deductible Amount: $ 1,000 3. Damage to Premises Rented to You The lesser of: a. The Each Occurrence Limit shown in the Declarations; or b. $500,000 unless otherwise stated $ 4. Supplementary Payments a. Bail Bonds: $2,500 b. Loss of Earnings: $ 500 5. Medical Payments Medical Expense Limit: $ 10,000 9. Property Damage to Borrowed Equipment Each Occurrence Limit: $10,000 Deductible Amount: $ 250 Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 1 of 14 Policy Number: ENP0651059 C. Coverages this endorsement pro- 1. Employee Benefit Liability Coverage vided: a. The following is added to Section I - a) You did not have knowledge of a Coverages: claim or "suit" on or Employee Benefit Liability Cover- before the "first ef- age fective date" of this endorsement. (1) Insuring Agreement You will be (a) We will pay those sums that deemed to have the insured becomes legally knowledge of a obligated to pay as damag- claim or "suit" es caused by any act, error when any "author - or omission of the insured, ized representa- or of any other person for tive'; whose acts the insured is legally liable, to which this i) Reports all, or insurance applies. We will any part, of the have the right and duty to act, error or defend the insured against omission to us any "suit" seeking those or any other damages. However, we will insurer; have no duty to defend ii) Receives a against any "suit" seeking written or ver- damages to which this in- bal demand or surance does not apply. We claim for dam - may, at our discretion, in- ages because vestigate any report of an of the act, Br- act, error or omission and ror or omis- settle any daim or "suit' that sion; and may result. But: 1) The amount we will pay b) There is no other applicable insur- for damages is limited ance. as described in Section III - Limits of Insur- (2) Exclusions ance; and This insurance does not apply to: 2) Our right and duty to defend ends when we (a) Bodily Injury, Property have used up the appli- Damage or Personal and cable limit of insurance Advertising Injury in the payment of judg- "Bodily injury", "property ments or settlements. damage" or "personal and No other obligation or liabil- advertising injury'. ity to pay sums or perform (b) Dishonest, Fraudulent, acts or services is covered Criminal or Malicious Act unless explicitly provided for under Supplementary Damages arising out of any Payments. intentional, dishonest, (b)—This—insurance—applies—to— fraudulent, criminal or mali- cious act, error or omission, damages only if the act, er- committed by any insured, ror or omission, is negligent- including the willful or redc- ly committed in the "admin- less violation of any statute. istration" of your "employee benefit program"; and (c) Failure to Perform a Con- 1) Occurs during the policy tract period; or Damages arising out of fail- 2) Occurred prior to the ure of performance of con - "first effective date" of tract by any insurer. Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 2 of 14 Policy Number: ENP0651059 (d) Insufficiency of Funds (1) Taxes, Fines or Penalties Damages arising out of an Taxes, fines or penalties, in - insufficiency of funds to cluding those imposed un- meet any obligations under der the Internal Revenue any plan included in the Code or any similar state or "employee benefit program". local law. (e) Inadequacy of Perfor- Ili) Employment -Related Prac- mance of Invest- tices ment/Advice Given With Respect to Participation Any liability arising out of any: Any claim based upon: (1) Refusal to employ; 1) Failure of any invest- ment to perform; (2) Termination of employ- ment; 2) Errors in providing in- formation on past per- (3) Coercion, demotion, formance of investment evaluation, reassign - vehicles; or ment, discipline, defa- mation, harassment, 3) Advice given to any humiliation, discrimina- person with respect to tion or other employ - that person's decision to ment - related practices, participate or not to par- acts or omissions; or ticipate in any plan in- cluded in the "employee (4) Consequential liability benefit program". as a result of (1), (2) or (3) above. (f) Workers' Compensation and Similar Laws This exclusion applies whether the insured may be Any claim arising out of your held liable as an employer failure to comply with the or in any other capacity and mandatory provisions of any to any obligation to share workers' compensation, un- damages with or repay employment compensation someone else who must pay insurance, social security or damages because of the in - disability benefits law or any jury. similar law. (3) Supplementary Payments (g) ERISA Section 1 - Coverages, Sup - Damages for which any in- plementary Payments - Cover- sured is liable because of li- ages A and B also apply to this ability imposed on a fiduci- Coverage. ary by the Employee Re- tirement Income Security b. Who is an Insured Act of 1974, as now or As respects Employee Benefit Lia- hereafter amended, or by bility Coverage, Section II - Who is any similar federal, state or an Insured is replaced by the follow - local laws. ing: (h) Available Benefits (1) If you are designated in the Dec - Any claim for benefits to the larations as: extent that such benefits are (a) An individual, you and your available, with reasonable spouse are insureds, but on - effort and cooperation of the ly with respect to the con - insured, from the applicable duct of a business of which funds accrued or other col- you are the sole owner. lectible insurance. (b) A partnership or joint ven- ture, you are an insured. Your members, your part - Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 3 of 14 Policy Number: ENP0651059 ners, and their spouses are However, coverage under this also insureds but only with provision: respect to the conduct of your business. (a) Is afforded only until the 180th day after you acquire (c) A limited liability company, or form the organization or you are an insured. Your the end of the policy period, members are also insureds, whichever is earlier; and but only with respect to the conduct of your business. (b) Does not apply to any act, Your managers are in- error or omission that was sureds, but only with respect committed before you ac- to their duties as your man- quired or formed the organi- agers. zation. (d) An organization other than a c. Limits of Insurance partnership, joint venture or As respects Employee Benefit Lia- limited liability company, you bility Coverage, Section III - Limits are an insured. Your "execu- Of Insurance is replaced by the fol- tive officers" and directors lowing: are insureds, but only with respect to their duties as (1) The Limits of Insurance shown in your officers or directors. Section B. Limits of Insurance, Your stockholders are also 1. Employee Benefit Liability insureds, but only with re- Coverage and the rules below fix spect to their liability as the most we will pay regardless stockholders. of the number of (e) A trust, you are an insured. (a) Insureds; Your trustees are also in- sureds, but only with respect (b) Claims made or "suits" to their duties as trustees. brought; (2) Each of the following is also an (c) Persons or organizations insured: making claims or bringing "suits"; (a) Each of your "employees" who is or was authorized to (d) Acts, errors or omissions; or administer your "employee (e) Benefits included in your benefit program"; "employee benefit program". (b) Any persons, organizations "employees" (2) The Aggregate Limit shown in or having prop- Section B. Limits of Insurance, er temporary authorization 'employ- 1. Employee Benefit Liability to administer your Coverage of this endorsement is ee benefit program" if you the most we will pay for all dam - die, but only until your legal ages because of acts, errors or representative is appointed; omissions negligently committed or in the "administration" of your (c) Your legal representative if "employee benefit program". you die, but only with re- (3) Subject to the limit described in spect to duties as such. That (2) above, the Each Employee representative will have all Limit shown in Section B. Limits your rights and duties under of Insurance, 1.Employee- this Coverage Part. Benefit Liability Coverage of (3) Any organization you newly ac- this endorsement is the most we quire or form, other than a part- will pay for all damages sus- nership, joint venture or limited tained by any one "employee", liability company, and over which including damages sustained by you maintain ownership or major- such "employee's" dependents ity interest, will qualify as an in- and beneficiaries, as a result of: sured if no other similar insur- (a) An act, error or omission; or ante applies to that organization. Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 4 of 14 Policy Number: ENP0651059 (b) A series of related acts, er- tification of the action taken, rors or omissions, regard- you shall promptly reim- less of the amount of time burse us for such part of the that lapses between such Deductible Amount as we acts, errors or omissions; have paid. negligently committed in the d. Additional Conditions "administration" of your "employ- ee benefit program". As respects Employee Benefit Lia- bility Coverage, Section IV - Com- However, the amount paid under mercial General Liability Condi- this endorsement shall not ex- tions is amended as follows: ceed, and will be subject to the limits and restrictions that apply (1) Item 2. Duties in the Event of to the payment of benefits in any Occurrence, Offense, Claim or plan included in the "employee Suit is replaced by the following: benefit program." 2. Duties in the Event of an (4) Deductible Amount Act, Error or Omission, or Claim or Suit (a) Our obligation to pay dam- ages on behalf of the in- a. You must see to it that sured applies only to the we are notified as soon amount of damages in ex- as practicable of an act, cess of the Deductible error or omission which Amount stated in the Decla- may result in a claim. rations as applicable to To the extent possible, Each Employee. The limits notice should include: of insurance shall not be re- (1) What the act, error duced by the amount of this or omission was deductible. and when it oc- (b) The Deductible Amount curred; and stated in the Declarations (2) The names and applies to all damages sus- addresses of any- tained by any one "employ- one who may suf- ee", including such "employ- fer damages as a ee's" dependents and bene- result of the act, fiaaries, because of all acts, error or omission. errors or omissions to which this insurance applies. b. If a claim is made or "suit" is brought against (c) The terms of this insurance, any insured, you must: including those with respect to: (1) Immediately record the specifics of the 1) Our right and duty to claim or "suit" and defend the insured the date received; against any "suits" and seeking those damag- es; and (2) Notify us as soon as practicable. 2) Your duties, and the du- ties of any other in- You must see to it that volved insured, in the we receive written no - event of an act, error or tice of the claim or "suit" omission, or claim; as soon as practicable. apply irrespective of the ap- c. You and any other in- plication of the Deductible volved insured must: Amount. (1) Immediately send (d) We may pay any part or all us copies of any of the Deductible Amount to demands, notices, effect settlement of any summonses or le - claim or "suit' and, upon no- gal papers re - Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 5 of 14 Policy Number: ENP0651059 ceived in connec- tion with the claim or "suit; (2) Authorize us to ob- tain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit'; and (4) Assist us, upon our request, in the en- forcement of any right against any person or organi- zation which may be liable to the in- sured because of an act, error or omission to which this insurance may also apply. d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense without our consent. (2) Item 5. Other Insurance is re- placed by the following: 5. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is prima- ry except when c. below applies. If this insurance is primary, our obliga- tions are not affected unless any -of -the -other insurance is also prima- ry. Then, we will share with all that other insur- ance by the method de- scribed in b. below. b. Method of Sharing If all of the other insur- ance permits contribu- tion by equal shares, we will follow this meth- od also. Under this ap- proach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other in- surance does not permit contribution by equal shares, we will contrib- ute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insur- ers. c. No Coverage This insurance shall not cover any loss for which the insured is entitled to recovery under any other insurance in force previous to the effective date of this Coverage Part. e. Additional Definitions As respects Employee Benefit Lia- bility Coverage, Section V - Defini- tions is amended as follows: (1) The following definitions are added: 1. 'Administration" means: a. Providing information to "employees", including their dependents and beneficiaries, with re- spect to eligibility for or scope of "employee benefit programs"; b. Interpreting the "em- ployee benefit pro- grams"; c. Handling records in connection with the "employee benefit pro- grams"; or d. Effecting, continuing or terminating any "em- ployee's" participation in any benefit included in Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 6 of 14 Policy Number ENP0651059� the "employee benefit c. Unemployment insur- program". ance, social security benefits, workers' com- However, "administration" pensation and disability does not include: benefits; and a. Handling payroll deduc- d. Vacation plans, includ- tions; or ing buy and sell pro- b. The failure to effect or grams; leave of ab- maintain any insurance sence programs, includ- or adequate limits of ing military, maternity, coverage of insurance, family, and civil leave; including but not limited tuition assistance plans; to unemployment insur- transportation and ance, social security health club subsidies. benefits, workers' com- 4. "First effective date" means pensation and disability the date upon which cover - benefits. age was first effected in a 2. "Cafeteria plans" means series of uninterrupted re - plans authorized by applica- newals of insurance cover- ble law to allow "employees" age. to elect to pay for certain (2) The following definitions are de - benefits with pre-tax dollars. leted in their entirety and re- 3. "Employee benefit pro- placed by the following: grams" means a program g, "Employee" means a person providing some of all of the actively employed, formerly following benefits to "em- employed, on leave of ab- ployees", whether provided sence or disabled, or retired. through a "cafeteria plan" or "Employee" includes a otherwise: 'leased worker". "Employee" a. Group life insurance; does not include a "tempo - group accident or health rary worker". insurance; dental, vision 21. "Suit" means a civil proceed - and hearing plans; and ing in which money damag- flexible spending ac- es because of an act, error counts; provided that no or omission to which this in - one other than an "em- surance applies are alleged. ployed' may subscribe "Suit" includes: to such benefits and such benefits are made a. An arbitration proceed - generally available to ing in which such dam - those "employees" who ages are claimed and to satisfy the plan's eligibil- which the insured must ity requirements; submit or does submit with our consent; b. Profit sharing plans, employee savings b. Any other alternative plans, employee stock dispute resolution pro - ownership plans, pen- ceeding in which such sion plans and stock damages are claimed subscription plans, pro- and to which the in- vided that no one other sured submits with our than an "employee" consent; or may subscribe to such benefits and such bene- c. appeal of a civil pro- fits are made generally ce ceeding. available to all "employ- ees" who are eligible under the plan for such benefits; Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 7 of 14 Policy Number: ENP0651059 2. Unintentional Failure to Disclose Haz- terioration, hidden ards or latent defect or Section IV - Commercial General Liabil- any quality in property that caus- ity Conditions, 7. Representations is es it to damage or amended by the addition of the following: destroy itself; Based on our dependence upon your rep- 3) Smog; resentations as to existing hazards, it un- intentionally you should fail to disclose all 4) Mechanical break - such hazards at the inception date of your down, including policy, we will not reject coverage under rupture or bursting this Coverage Part based solely on such caused by centrif- failure. ugal force; 3. Damage to Premises Rented to You 5) Settling, cracking, a. The last Paragraph of 2. Exclusions shrinking or ex- under Section I - Coverage A - Bod- pansion; ily Injury and Property Damage Li- 6) Nesting or infesta- ability is replaced by the following: tion, or discharge Exclusions c. through q. do not apply "property or release of waste products or secre- to damage" by fire, explo- tions, by insects, Sion, lightning, smoke or soot to birds, rodents or premises while rented to you or tem- other animals; or porarily occupied by you with permis- sion of the owner, for which the 7) Presence, growth, amount we will pay is limited to the proliferation, Damage to Premises Rented to spread or any ac- You Limit as described in Section III tivity of fungus, in- - Limits of Insurance. cluding mold or b. The insurance provided under Sec- mildew, and anymycotox ins, tion I - Coverage A - Bodily Injury spores, scents or and Property Damage Liability ap- 'property byproducts pro - plies to damage" arising out duoed or released of water damage to premises that are by fungi. both rented to and occupied by you. (1) As respects Water Damage Le- (b) "Property damage" caused directly or indirectly by any gal Liability, as provided in Para- of the following: graph 3.b. above: The exclusions(i) under Section I - Earthquake, volcanicusions eruption, landslide or Coverage A - Bodl'ly Injury and any other earth move - Property Damage Liability, 2. ment; Exclusions, other than i. War and the Nuclear Energy Liabil- (ii) Water that backs up or ity Exclusion (Broad Form), are overflows or is other - deleted and the following are wise discharged from a added: sewer, drain, sump, This insurance does not apply to: sump pump or related equipment; (a) "Property damage": (iiQ Water -under -the -ground (i) Assumed in any con- surface pressing on, or tractor agreement; or flowing or seeping through: (ii) Caused by or resulting from any of the follow- 1) Foundations, walls, ing: floors or paved surfaces; 1) Wear and tear; 2) Basements, 2) Rust or other cor- whether paved or rosion, decay, de- not; or Includes copyrighted material of Insurance GA 210 VA 09 17 Services Office, Inc., with its permission. Page 8 of 14 Policy Number: ENP0651059 C. 3) Doors, windows or ning, smoke or soot, other openings. while rented to you; or (c) "Property damage" caused c. In the case of damage by or resulting from water by water, while rented that leaks or flows from to and occupied by you. plumbing, heating, air condi- tioning, fire protection sys- (2) The most we will pay is limited as tems, or other equipment, described in Section B. Limits of caused by or resulting from Insurance, 3. Damage to Prem- freezing, unless: ises Rented to You of this en- dorsement. (i) You did your best to maintain heat in the 4. Supplementary Payments building or structure; or Under Section I - Supplementary Pay- (ii) You drained the equip- ments - Coverages A and B: ment and shut off the a. Paragraph 2. is replaced by the fol- water supply if the heat lowing: was not maintained. Up to the limit shown in Section B. (d) "Property damage" to: Limits of Insurance, 4.a. Bail Bonds (1) Plumbing, heating, air of this endorsement for cost of bail conditioning, fire protec- bonds required because of accidents tion systems, or other or traffic law violations arising out of equipment or applianc- the use of any vehicle to which the es; or Bodily Iryury Liability Coverage ap- plies. We do not have to furnish these (i) The interior of any bonds. building or structure, or to personal property in b. Paragraph 4. is replaced by the fol- the building or structure, lowing: caused by or resulting All reasonable expenses incurred by from rain, snow, sleet or the insured at our request to assist us ice, whether driven by in the investigation or defense of the wind or not. claim or "suit", including actual loss of Limit of Insurance earnings up to the limit shown in Sec- tion B. Limits of Insurance, 4.1b. With respect to the insurance afford- Loss Of Earnings of this endorsement ed in Paragraphs 3.a. and 3.1b. above, per day because of time off from the Damage to Premises Rented to work. You Limit as shown in the Declara- tions is amended as follows: 5. Medical Payments (1) Paragraph 6. of Section III - The Medical Expense Limit of Any One Limits of Insurance is replaced Person as stated in the Declarations is by the following: amended to the limit shown in Section B. Limits of Insurance, 5. Medical Pay- 6. Subject to Paragraph S. ments of this endorsement. above, the Damage to Premises Rented tc) You 6. 180 Day Coverage for Newly Formed or Limit is the most we will pay Acquired Organizations under Coverage A - Bodily Section II - Who is an Insured is Injury and Property Dam- amended as follows: age Liability for damages because of 'property dam- Subparagraph a. of Paragraph 3. is re - age" to any one premises: placed by the following: GA 210 VA 0917 a. While rented to you, or a. Insurance under this provision is af- temporarily occupied by forded only until the 180th day after you with permission of you acquire or form the organization the owner; or the end of the policy period, b. In the case of damage whichever is earlier; by fire, explosion, light - Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 9 of 14 Policy Number: ENP0651059 7. Waiver of Subrogation This insurance does not ap- Section IV - Commercial General Liabil- ply to: ity Conditions, 9. Transfer of Rights of (1) Any "occurrence" which Recovery Against Others to Us is takes place after you amended by the addition of the following: cease to be a tenant in We waive any right of recovery we may that premises; have against any person or organization (ii) Sliucluial alleialions, against whom you have agreed to waive new construction or such right of recovery in a written contract demolition operations or agreement because of payments we performed by or on be - make for injury or damage arising out of half of such additional your ongoing operations or "your work" insured. done under a written contract or agree- ment with that person or organization and (b) Lessor of Leased Equip - included in the "products -completed oper- ment ations hazard". However, our rights may Any person or organization only be waived prior to the "occurrence" from whom you lease giving rise to the injury or damage for equipment when you and which we make payment under this Cov- such person(s) or organiza- erage Part The insured must do nothing tion(s) have agreed per Par - after a loss to impair our rights. At our re- agraph 8.a.(1) of this en - quest, the insured will bring "suit" ortrans- dorsement to provide insur- fer those rights to us and help us enforce ante. Such person(s) or or - those rights. ganization(s) are insureds 8. Automatic Additional Insured - Speci- only with respect to liability fied Relationships for "bodily injury', "property damage" or "personal and a. The following is added to Section II - advertising injury' caused, in Who is an Insured: whole or in part, by your (1) Any person(s) or organization(s) maintenance, operation or use of equipment leased to described in Paragraph 8.a.(2) of you by such person(s) or or - this endorsement (hereinafter re- ganization(s). A person's or ferred to as additional insured) organization's status as an whom you are required to add as additional insured under this an additional insured under this endorsement ends when Coverage Part by reason of a their contract or agreement written contract, written agree- with you for such leased ment, written permit or written equipment ends. However, authorization. this insurance does not ap- (2) Only the following persons or or- ply to any "occurrence" ganizations are additional in- which takes place after the sureds under this endorsement, equipment lease expires. and insurance coverage provided (c) Vendors to such additional insureds is lim- ited as provided herein: Any person or organization (a) Managers or Lessors of (referred to below as ven- dor) with whom you have agreed per Paragraph The manager or lessor of a 8.a.(1) of this endorsement - - - - - -premises-leased-to-you-with— -to-provide insurance, but -on --- whom you have agreed per ly with respect to 'bodily in - Paragraph 8.a.(1) of this en- jury"or "property damage" dorsement to provide insur- our " ance, but only with respect which are distributed or sold to liability arising out of the in the regular course of the g ownership, maintenance or vendor's business, subject use of that part of the prem- to the following additional ises leased to you, subject exclusions: to the following additional exclusions: Includes copyrighted material of Insurance GA 210 VA 09 17 Services Office, Inc., with its permission. Page 10 of 14 Policy Number: ENP0651059 (i) The insurance afforded dor's premises in the vendor does not connection with the apply to: sale of the product; 1) "Bodily injury' or 7) Products which, af- "property damage" ter distribution or for which the ven- sale by you, have dor is obligated to been labeled or re- pay damages by labeled or used as reason of the as- a container, part or sumption of liability ingredient of any in a contract or other thing or sub - agreement. This stance by or for the exclusion does not vendor; or apply to liability for damages that the 8) "Bodily injury' or vendor would have "property damage" in the absence of arising out of the the contract or sole negligence of agreement; the vendor for its own acts or omis- 2) Any express war- sions or those of ranty unauthorized its employees or by you; anyone else acting on its behalf. How 3) Any physical or ever, this exclusion chemical change in does not apply to: the product made intentionally by the a) The excep- vendor; tions contained in Paragraphs 4) Repackaging, ex- (c) (i) 4) or 6) kept when un- of this en - packed solely for dorsement; or the purpose of in- spection, demon- b) Such inspec- stration, testing, or tions, adjust - the substitution of ments, tests or parts under in- servicing as structions from the the vendor has manufacturer, and agreed to then repackaged in make or nor - the original con- mally under- tainer; takes to make in the usual 5) Any failure to make course of such inspections, business, in aclustments, tests connection or servicing as the with the distri- vendor has agreed bution or sale to make or normal- of the prod- ly undertakes to ucts. make in the usual course of busi- (ii) This insurance does not ness, in connection apply to any insured with the distribution person or organization: or sale of the products; 1) From whom you have acquired 6) Demonstration, in- such products, or stallation, servicing any ingredient, part or repair opera- or container, enter- tions, except such ing into, accompa- operations per- nying or containing formed at the ven- such products; or Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 11 of 14 Policy Number: ENP0651059 2) When liability in- spect to their liability as cluded within the mortgagee, assignee, or re- "products- ceiver and arising out of the completed opera- ownership, maintenance, or tions hazard" has use of the premises by you. been excluded un- However, this insurance der this Coverage does not apply to structural Part with respect to alterations, new construction such products. and demolition operations (d) State or Governmental performed by or for that per - son or organization. Agency or Subdivision or Political Subdivision - (3) The insurance afforded to addi- Permits or Authorizations tional insureds described in Par - Relating to Premises agraph 8.a.(1) of this endorse - Any state or governmental ment: agency or subdivision or po- (a) Only applies to the extent litical subdivision with which permitted by law; and you have agreed per Para- graph 8.a.(1) of this en- b Will not be broader than that () dorsement to provide insu re which are wired b- Y q y anoe, subject to the follow the written contract, written ing additional provision: agreement, written permit or written authorization to pro - This insurance applies only vide for such additional in - with respect to the following sured; and hazards for which the state or governmental agency or (c) Does not apply to any per - subdivision or political sub- son, organization, vendor, division has issued a permit state, governmental agency or authorization in connec- or subdivision or political tion with premises you own, subdivision, specifically rent or control and to which named as an additional in - this insurance applies: sured under any other provi- sion of, or endorsement (1) The existence, mainte- added to, this Coverage nance, repair, construc- Part, provided such other tion, erection or removal provision or endorsement of advertising signs, covers the injury or damage awnings, canopies, cel- for which this insurance ap- lar entrances, coal plies. holes, driveways, man- holes, marquees, hoist b. With respect to the insurance afford - away openings, side- ed to the additional insureds de - walk vaults, street ban- scribed in Paragraph 8.a.(1) of this ners or decorations and endorsement, the following is added similar exposures; or to Section III - Limits of Insurance: (i) The construction, erec- The most we will pay on behalf of the tion or removal of eleva- additional insured is the amount of in - tors; or surance: (ii) The ownership, mainte- (1) Required by the written contract, -- - -- - -_ -nance-or-use-of-any-el-- -- written agreement, written permit evators covered by this or written authorization described insurance. in Paragraph 8.a.(1) of this en- dorsement; or (e) Mortgagee, Assignee or Receiver 2 Available under the applicable () pp Limits of Insurance shown in the Any person or organization Declarations; with whom you have agreed per Paragraph 8.a.(1) of this whichever is less. endorsement to provide in- surance, but only with re - Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 12 of 14 Policy Number: ENP0651059 This endorsement shall not increase b. With respect to the insurance provid- the applicable Limits of Insurance ed by this section of the endorse - shown in the Declarations. ment, the following additional provi- sions apply: c. Section IV - Commercial General Liability Conditions is amended to (1) The Limits of Insurance shown in include the following: the Declarations are replaced by the limits designated in Section Automatic Additional Insured Pro- B. Limits of Insurance, 9. vision Property Damage to Borrowed This insurance applies only if the Equipment of this endorsement "bodily injury" or "property damage" with respect to coverage provid- occurs, or the "personal and advertis- ed by this endorsement. These ing injury' offense is committed: limits are inclusive of and not in addition to the limits being re- (1) During the policy period; and placed. The Limits of Insurance shown in Section B. Limits of (2) Subsequent to your execution of Insurance, 9. Property Damage the written contract or written to Borrowed Equipment of this agreement, or the issuance of a endorsement fix the most we will written permit or written authori- pay in any one "occurrence" re- zation, described in Paragraph gardless of the number of: 8.a.(1). (a) Insureds; d. Section IV - Commercial General Liability Conditions is amended as (b) Claims made or "suits" follows: brought; or Condition S. Other Insurance is (c) Persons or organizations amended to include: making claims or bringing "suits". Primary and Noncontributory In- surance (2) Deductible Clause This insurance is primary to and will (a) Our obligation to pay dam - not seek contribution from any other ages on your behalf applies insurance available to an additional only to the amount of dam - insured per Paragraph 8.a.(1) of this ages for each "occurrence" endorsement provided that: which are in excess of the Deductible Amount stated inSection (1) The additional insured is a B. Limits of Insur- Named Insured under such other ance, 9. Property Damage insurance; and to Borrowed Equipment of (2) You have agreed in writing in a this endorsement. The limits contract, agreement, permit or of insurance will not be re- authorization described in 8.a.(2) duced by the application of of this endorsement that this in- such Deductible Amount. surance would be primary and (b) Section IV - Commercial would not seek contribution from General Liability Condi- any other insurance available to tions, 2. Duties in the the additional insured. Event of Occurrence, of- 9. Property Damage to Borrowed Equip- fense, Claim Or Suit, ap- ment plies to each claim or "suit' irrespective of the amount. a. The following is added to Exclusion 2.j. Damage to Property under Sec- (c) We may pay any part or all tion I - Coverage A - Bodily Injury of the deductible amount to and Property Damage Liability: effect settlement of any claim or "suit" and, upon no - Paragraphs (3) and (4) of this exclu- tification of the action taken, sion do not apply to tools or equip- you shall promptly reim- ment loaned to you, provided they are burse us for such part of the not being used to perform operations deductible amount as has at the time of loss. been paid by us. Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 13 of 14 Policy Number: ENP0651059 10. Employees As Insureds - Specified Health Care Services And Good Samar- itan Services Paragraph 2.a.(1xd) under Section II - Who Is An Insured does not apply to: a. Your "employees" who provide pro- fessional health care seiviczs un yuw behalf as a duly licensed nurse, emergency medical technician or paramedic in the jurisdiction where an "occurrence" or offense to which this insurance applies takes place; or b. Your "employees" or "volunteer work- ers", other than an employed or vol- unteer doctor, providinq first aid or good samaritan services during their work hours for you will be deemed to be acting within the scope of their employment by you or performing du- ties related to the conduct of your business. 11. Broadened Notice Of Occurrence Paragraph a. of Condition 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit under Section IV - Com- mercial General Liability Conditions is replaced by the following: a. You must see to it that we are notified as soon as practicable of an "occur- rence" or an offense which may result in a claim. To the extent possible, no- tice should include: (1) How, when and where the "oc- currence" or offense took place; (2) The names and addresses of any injured persons and wit- nesses; and (3) The nature and location of any iryury or damage arising out of the "occurrence" or offense. This requirement applies only when the "occurrence" or offense is known to an "authorized representative". 12. Nonowned Aircraft The following _ is -added -to-Exclusion - Aircraft, Auto Or Watercraft under Sec- tion I - Coverage A - Bodily Injury And Property Damage Liability: This exclusion does not apply to an air- craft you do not own, provided that: a. The pilot in command holds a current effective certificate, issued by a duly constituted authority of the United States of America or Canada, desig- nating that person as a commercial or airline transport pilot; b. The aircraft is rented with a trained, paid crew; and c. The aircraft does not transport per- sons or cargo for a charge. 13. Bodily Injury Redefined Section V - Definitions, 4. "Bodily injury" is replaced by the following: 4. "Bodily injury" means bodily harm or injury, sickness, disease, disability, humiliation, shock, fright, mental an- guish or mental injury, including care, loss of services or death resulting from any of these at any time. 14. Expected Or Intended Injury Redefined The last sentence of Exclusion 2.a. Ex- pected Or Intended Injury under Sec- tion I - Coverage A - Bodily Injury And Property Damage Liability is replaced by the following: This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect per- sons or property. 15. Former Employees As Insureds The following is added to Paragraph 2. under Section II -Who Is An Insured: 2. Each of the following is also an in- sured: Any of your former "employees", di- rectors, managers, members, part- ners or "executive officers", including but not limited to retired, disabled or those on leave of absence, but only for acts within the scope of their em- ployment by you or for duties related to the conduct of your business. Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 14 of 14 COMMERCIAL GENERAL LIABILITY CG20431219 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - AUTOMATIC STATUS WHEN REQUIRED IN WRITTEN CONTRACT OR AGREEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Section II — Who Is An Insured is amended to include as an additional insured any person(s) or organization(s) for whom you have agreed in writing in a contract or agreement that such per- son(s) or organization(s) be added as an addi- tional insured on your policy. Such person(s) or organization(s) is an additional insured only with respect to liability for: 1. 'Bodily injury" or "property damage" not in- cluded in the "products -completed operations hazard"; or 2. "Personal and advertising injury"; caused by, in whole or in part, your acts or omis- sions or the acts or omissions of those acting on your behalf in the performance of your opera- tions. B. The insurance afforded to such additional in- sured described in Paragraph A. of this en- dorsement: 1. Only applies to the extent permitted by law; and 2. Will not be broader than that which you are required by the contract or agreement to pro- vide for such additional insured. C. With respect to insurance afforded to these addi- tional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" due to rendering of or failure to render any professional service. This includes but is not lim- ited to: 1. Legal, accounting or advertising services; 2. Preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, re- ports, surveys, field orders, change orders or drawings or specifications; 3. Inspection, supervision, quality control, archi- tectural or engineering activities done by or for you on a project on which you serve as construction manager; 4. Engineering services, including related su- pervisory or inspection services; S. Medical, surgical, dental, X-ray or nursing services treatment, advice or instruction; 6. Any health or therapeutic service treatment, advice or instruction; 7. Any service, treatment, advice or instruction for the purpose of appearance or skin en- hancement, hair removal or replacement, or personal grooming or therapy; 8. Any service, treatment, advice or instruction relating to physical fitness, including service, treatment, advice or instruction in connection with diet, cardiovascular fitness, bodybuilding or physical training programs; 9. Optometry or optical or hearing aid services including the prescribing, preparation, fitting, demonstration or distribution of ophthalmic lenses and similar products or hearing aid devices; 10. Body piercing services; 11. Services in the practice of pharmacy, 12. Law enforcement or firefighting services; and 13. Handling, embalming, disposal, burial, cre- mation or disinterment of dead bodies. This exclusion applies even if the claims against any insured allege negligence or other wrongdo- ing in the supervision, hiring, employment, train- ing or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage", or the offense which caused the "personal and advertising injury", involved the rendering of or failure to render any profes- sional service. CG 20 43 12 19 © Insurance Services Office, Inc., 2018 Page 1 of 2 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY BROADENED ENDORSEMENT - VIRGINIA This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Endorsement -Table of Contents: 1. Employee Benefit Liabilii Coveragge.., ,.3 2. Unintentional Failure to Asclose tlazards...... ........... ............ ..............,..,..8 . Damage to Premises Rented to You........................................................................8 . Sup lementary Payments ..................... ................................................... 9 5. Me rcal Payments ...........................................................................................................9 6. 180 Day Coverage for Newly Formed or Acquired Organizations........................................9 7. "it'lla,iver of Subrogation..,. ......... ..............................................................10 8. Automatic Additional Insured -Specified Relationships: .................................................. 10 • Managers or Lessors of Premises; • Lessor of Leased Equipment; • Vendors; • State or Governmental Agenor.Subdivision or Political Subdivision - Permits or Authorizations Relatin to 'Premises; and • Mortgagee, Assignee or l ecelv�er 9. Property ama a to orrowed Equipment..............................................................13 10. Employees as insureds Specified Health Care Services and Good Samaritan Services........ ............... ......,., .......................................................................................14 11. Broadened Notice of Occurrence ................................. -................................... ..,..,............. . 14 12. Nonowned Aircraft.... ..................... ......... ,.,... .....14 13. Bodily In Redefined.. ....... 14 14. Expects or Intended Injury Redefined 14 15. Former Employees as Insureds ......... ......... ................... .................. ..............,....14 B. Limits of Insurance: The Commercial General Liability Limits of Insurance apply to the insurance provided by this endorse- ment, except as provided below: 1. Employee Benefit Liability Coverage Each Employee Limit: $1,000,000 Aggregate Limit: $3,000,000 Deductible Amount: $ 1,000 3. Damage to Premises Rented to You The lesser of: a. The Each Occurrence Limit shown in the Declarations; or b. $500,000 unless otherwise stated $ 4. Supplementary Payments a. Bail Bonds: $2,500 b. Loss of Earnings: $ 500 5. Medical Payments Medical Expense Limit: $ 10,000 9. Property Damage to Borrowed Equipment Each Occurrence Limit: $10,000 Deductible Amount: $ 250 Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 1 of 14 C. Coverages 1. Employee Benefit Liability Coverage a. The following is added to Section I - Coverages: Employee Benefit Liability Cover- age (1) Insuring Agreement (a) We will pay those sums that the insured becomes legally obligated to pay as damag- es caused by any act, error or omission of the insured, or of any other person for whose acts the insured is legally liable, to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend against any "suit" seeking damages to which this in- surance does not apply. We may, at our discretion, in- vestigate any report of an act, error or omission and settle any claim or "suit' that may result. But: 1) The amount we will pay for damages is limited as described in Section III - Limits of Insur- ance; and 2) Our right and duty to defend ends when we have used up the appli- cable limit of insurance in the payment of judg- ments or settlements. No other obligation or liabil- ity to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. (b)This--insuranceappliesto damages only if the act, er- ror or omission, is negligent- ly committed in the "admin- istration" of your "employee benefit program'; and 1) Occurs during the policy period; or 2) Occurred prior to the 'first effective date" of this endorsement pro- vided: a) You did not have knowledge of a claim or "suit" on or before the "first ef- fective date" of this endorsement. You will be deemed to have knowledge of a claim or "suit" when any "author- ized representa- tive''; Reports all, or any part, of the act, error or omission to us or any other insurer; ii) Receives a written or ver- bal demand or claim for dam- ages because of the act, er- ror or omis- sion; and b) There is no other applicable insur- ance. (2) Exclusions This insurance does not apply to: (a) Bodily Injury, Property Damage or Personal and Advertising Injury "Bodily injury", "property damage" or "personal and advertising injury". (b) Dishonest, Fraudulent, Criminal or Malicious Act Damages arising out of any intentional, dishonest, fraudulent, criminal or mali- - cious act, --error or -omission, committed by any insured, including the willful or reck- less violation of any statute. (c) Failure to Perform a Con- tract Damages arising out of fail- ure of performance of con- tract by any usurer. Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 2 of 14 GA 210 VA 0917 (d) Insufficiency of Funds (i) Taxes, Fines or Penalties Damages arising out of an Taxes, fines or penalties, in - insufficiency of funds to cluding those imposed un- meet any obligations under der the Internal Revenue any plan included in the Code or any similar state or "employee benefit program". local law. (e) Inadequacy of Perfor- (j) Employment -Related Prac- mance of Invest- tices ment/Advice Given With Respect to Participation Any liability arising out of any: Any claim based upon: (1) Refusal to employ; 1) Failure of any invest- ment to perform; (2) Termination of employ- ment; 2) Errors in providing in- formation on past per- (3) Coercion, demotion, formance of investment evaluation, reassign - vehicles; or ment, discipline, defa- mation, harassment, 3) Advice given to any humiliation, discrimina- person with respect to tion or other employ - that person's decision to ment - related practices, participate or not to par- acts or omissions; or ticipate in any plan in- cluded in the "employee (4) Consequential liability benefit program". as a result of (1), (2) or (3) above. (f) Workers' Compensation and Similar Laws This exclusion applies whether the insured may be Any claim arising out of your held liable as an employer failure to comply with the or in any other capacity and mandatory provisions of any to any obligation to share workers' compensation, un- damages with or repay employment compensation someone else who must pay insurance, social security or damages because of the in - disability benefits law or any jury. similar law. (3) Supplementary Payments (g) ERISA Section I -Coverages, Sup - Damages for which any in- plementary Payments - Cover- sured is liable because of li- ages A and B also apply to this ability imposed on a fiduci- Coverage. ary by the Employee Re- tirement Income Security b. Who is an Insured Act of 1974, as now or As respects Employee Benefit Lia- hereafter amended, or by bility Coverage, Section II - Who is any similar federal, state or an Insured is replaced by the follow - local laws. ing: (h) Available Benefits (1) If you are designated in the Dec - Any claim for benefits to the larations as: extent that such benefits are (a) An individual, you and your available, with reasonable spouse are insureds, but on - effort and cooperation of the ly with respect to the con - insured, from the applicable duct of a business of which funds accrued or other col- you are the sole owner. lectible insurance. (b) A partnership or joint ven- ture, you are an insured. Your members, your part - Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 3 of 14 ners, and their spouses are However, coverage under this also insureds but only with provision: respect to the conduct of your business. (a) Is afforded only until the 180th day after you acquire (c) A limited liability company, or form the organization or you are an insured. Your the end of the policy period, members are also insureds, whichever is earlier; and but only with respect to the conduct of your business. (b) Does not apply to any act, Your managers are in- error or omission that was sureds, but only with respect committed before you ac- to their duties as your man- quired or formed the organi- agers. zation. (d) An organization other than a c. Limits of Insurance partnership, joint venture or As respects Employee Benefit Lia- limited liability company, you bility Coverage, Section III - Limits are an insured. Your "execu- Of Insurance is replaced by the fol- tive officers" and directors lowing: are insureds, but only with respect to their duties as (1) The Limits of Insurance shown in your officers or directors. Section B. Limits of Insurance, Your stockholders are also 1. Employee Benefit Liability insureds, but only with re- Coverage and the rules below fix spect to their liability as the most we will pay regardless stockholders. of the number of: (e) A trust, you are an insured. (a) Insureds; Your trustees are also in- sureds, but only with respect (b) Claims made or "suits" to their duties as trustees. brought; (2) Each of the following is also an (c) Persons or organizations insured: making claims or bringing "suits"; (a) Each of your "employees" who is or was authorized to (d) Acts, errors or omissions; or administer your "employee (e) Benefits included in your benefit program'; "employee benefit program". (b) Any persons, organizations "employees" (2) The Aggregate Limit shown in or having prop- Section B. Limits of Insurance, er temporary authorization "employ- 1. Employee Benefit Liability to administer your Coverage of this endorsement is ee benefit program" if you the most we will pay for all dam - die, but only until your legal ages because of acts, errors or representative is appointed; omissions negligently committed or in the "administration" of your (c) Your legal representative if "employee benefit program". you die, but only with re- (3) Subject to the limit described in spect to duties as such. That (2) above, the Each Employee representative will have all Limit shown in Section B. Limits your rights and duties under __of Insurance, 1. Employee this Coverage Part. Benefit Liability Coverage of (3) Any organization you newly ac- this endorsement is the most we quire or form, other than a part- will pay for all damages sus- nership, joint venture or limited tained by any one "employee", liability company, and over which including damages sustained by you maintain ownership or major- such "employee's" dependents ity interest, will qualify as an in- and beneficiaries, as a result of: sured if no other similar insur- (a) An act, error or omission; or ance applies to that organization. Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 4 of 14 (b) A series of related ads, er- rors or omissions, regard- less of the amount of time that lapses between such ads, errors or omissions; negligently committed in the "administration" of your "employ- ee benefit program". However, the amount paid under this endorsement shall not ex- ceed, and will be subject to the limits and restrictions that apply to the payment of benefits in any plan included in the "employee benefit program." (4) Deductible Amount tification of the action taken, you shall promptly reim- burse us for such part of the Deductible Amount as we have paid. d. Additional Conditions As respects Employee Benefit Lia- bility Coverage, Section IV - Com- mercial General Liability Condi- tions is amended as follows: (1) Item 2. Duties in the Event of Occurrence, Offense, Claim or Suit is replaced by the following: 2. Duties in the Event of an Act, Error or Omission, or Claim or Suit (a) Our obligation to pay dam- ages on behalf of the in- a. You must see to it that sured applies only to the we are notified as soon amount of damages in ex- as practicable of an act, cess of the Deductible error or omission which Amount stated in the Decla- may result in a claim. rations as applicable to To the extent possible, Each Employee. The limits notice should include: of insurance shall not be re- (1) What the act, error duced by the amount of this or omission was deductible. and when it oc- (b) The Deductible Amount curred; and stated in the Declarations (2) The names and applies to all damages sus- addresses of any- tained by any one "employ- one who may suf- ee", including such "employ- fer damages as a ee's" dependents and bene- result of the act, ficiaries, because of all acts, error or omission. errors or omissions to which this insurance applies. b. If a claim is made or "suit" is brought against c () The terms of this insurance, any insured, you must: including those with respect to: (1) Immediately record the specifics of the 1 Our right and du to g claim or "suit" and defend the insured the date received; against any "suits" and seeking those damag- es; and (2) Notify us as soon as practicable. 2) Your duties, and the du- ties of any other in- You must see to it that volved insured, in the we receive written no - event of an act, error or tice of the claim or "suit" omission, or claim; as soon as practicable. apply irrespective of the ap- c. You and any other in- plication of the Deductible volved insured must: Amount. (1) Immediately send (d) We may pay any part or all us copies of any of the Deductible Amount to demands, notices, effect settlement of any summonses or le - claim or "suit" and, upon no- gal papers re - Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 6 of 14 ceived in connec- tion with the claim or "suit'; (2) Authorize us to ob- tain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request, in the en- forcement of any right against any person or organi- zation which may be liable to the in- sured because of an act, error or omission to which this insurance may also apply. d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense without our consent. (2) Item 5. Other Insurance is re- placed by the following: GA 210 VA 0917 5. Other Insurance we will follow this meth- od also. Under this ap- proach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other in- surance does not permit contribution by equal shares, we will contrib- ute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insur- ers. c. No Coverage This insurance shall not cover any loss for which the insured is entitled to recovery under any other insurance in force previous to the effective date of this Coverage Part. e. Additional Definitions As respects Employee Benefit Lia- bility Coverage, Section V - Defini- tions is amended as follows: If other valid and collectible (1) The following definitions are added: insurance is available to the insured for a loss we cover 1. 'Administration" means: under this Coverage Part, our obligations are limited as a. Providing information to follows: "employees", including their dependents and a. Primary Insurance beneficiaries, with re- This insurance is prima- spect to eligibility for or "employee ry except when c. below scope of benefit programs'; applies. If this insurance is primary, our obliga- b. Interpreting the "em- tions are not affected ployee benefit pro- _unless_any_of_the-other ___ grams"„ insurance is also prima- ry. Then, we will share c. Handling records in with all that other insur- connection with the ance by the method de- "employee benefit pro- scribed in b. below. grams'; or b. Method of Sharing d. Effecting, continuing or terminating any "em- If all of the other insur- ployee's" participation in ance permits contribu- any benefit included in tion by equal shares, Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 6 of 14 the "employee benefit c. Unemployment insur- program". ance, social security However, "administration" benefits, workers' com- pensation and disability does not induce: benefits; and a. Handling payroll deduc- d. Vacation plans, includ- tions; or ing buy and sell pro- b. The failure to effect or grams; leave of ab- maintain any insurance sence programs, indud- or adequate limits of ing military, maternity, coverage of insurance, family, and civil leave; induding but not limited tuition assistance plans; to unemployment insur- transportation and ance, social security health club subsidies. benefits, workers' com- 4. "First effective date" means pensation and disability the date upon which cover - benefits. age was first effected in a 2. "Cafeteria plans" means series of uninterrupted re - plans authorized by applica- newals of insurance cover- ble law to allow "employees" age. to elect to pay for certain (2) The following definitions are de - benefits with pre-tax dollars. leted in their entirety and re- 3. "Employee benefit pro- placed by the following: grams" means a program g, 'Employee" means a person providing some of all of the actively employed, formerly following benefits to "em- employed, on leave of ab- ployees", whether provided sence or disabled, or retired. through a "cafeteria plan" or "Employee" includes a otherwise: 'leased worker". "Employee" a. Group life insurance; does not include a "tempo - group accident or health rary worker". insurance; dental, vision 21. "Suit" means a civil proceed - and hearing plans; and ing in which money damag- flexble spending ac- es because of an act, error counts; provided that no or omission to which this in - one other than an "em- surance applies are alleged. ployee" may subscribe "Suit" includes: to such benefits and such benefits are made a. An arbitration proceed - generally available to ing in which such dam - those "employees" who ages are claimed and to satisfy the plan's eligibil- which the insured must ity requirements; submit or does submit b. Profit sharing plans, with our consent; employee savings b. Any other alternative plans, employee stock dispute resolution pro - ownership plans, pen- ceeding in which such sion plans and stock damages are daimed subscription plans, pro- and to which the in- vided that no one other sured submits with our than an "employee" consent; or may subscribe to such benefits and such bene- c. An appeal of a civil pro- fits are made generally ceeding. available to all "employ- ees" who are eligible under the plan for such benefits; Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 7 of 14 2. Unintentional Failure to Disclose Haz- terioration, hidden ands or latent defect or Section IV - Commercial General Liabil- any quality in it Conditions, 7. Representations is property that damage or Y p es it to damage or amended by the addition of the following: destroy itself; Based on our dependence upon your rep- 3) Smog; resenlations as to existing hazards, if un- intentionally you should fail to disclose all 4) Mechanical break - such hazards at the inception date of your down, including policy, we will not reject coverage under rupture or bursting this Coverage Part based solely on such caused by centrif- failure. ugal force; 3. Damage to Premises Rented to You 5) Settling, cracking, a. The last Paragraph of 2. Exclusions shrinking or ex- pansion; under Section I - Coverage A - Bod- ily Injury and Property Damage Li- 6) Nesting or infesta- ability is replaced by the following: tion, or discharge or release of waste Exclusions c. through q. do not apply products o secre- to "property damage" by fire, explo- by insects, sion, lightning, smoke or soot to irds, rodents or birds, rodents b premises while rented to you or tem- other animals; or porarily occupied by you with permis- sion of the owner, for which the 7) Presence, growth, amount we will pay is limited to the proliferation, Damage to Premises Rented to spread or any ac- You Limit as described in Section III tivity of fungus, in- - Limits of Insurance. cluding mold or b. The insurance provided under Sec- mildew, and any m tion I - Coverage A - Bodily Injury 9 Y 1 rY spores, scents or ores, scents and Property Damage Liability ap- byproducts pro - plies to "property damage" arising out duced or released of water damage to premises that are by fungi. both rented to and occupied by you. (b) 'Property damage" caused (1) As respects Water Damage Le- directly or indirectly by any gal Liability, as provided in Para- of the following: graph 3.b. above: g (1) Earthquake, volcanic The exclusions under Section I - eruption, landslide or Coverage A - Bodily Injury and any other earth move - Property Damage Liability, 2. ment; Exclusions, other than i. War and the Nuclear Energy Liabil- (ii) Water that backs up or ity Exclusion (Broad Form), are overflows or is other - deleted and the following are wise discharged from a added: sewer, drain, sump, This insurance does not apply to: sump pump or related equipment; (a) "'Pilop'erty damage"-,, -(ii)-Water-under-the-ground (1) Assumed in any con- surface pressing on, or tract or agreement; or flowing or seeping through: (ii) Caused by or resulting from any of the follow- 1) Foundations, walls, ing: floors or paved surfaces; 1) Wear and tear; 2) Basements, 2) Rust or other cor- whether paved or rosion, decay, de- not; or Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 8 of 14 c 3) Doors, windows or ning, smoke or soot, other openings. while rented to you; or (c) "Property damage" caused c. In the case of damage by or resulting from water by water, while rented that leaks or flows from to and occupied by you. plumbing, heating, air condi- tioning, fire protection sys- (2) The most we will pay is limited as tems, or other equipment, described in Section B. Limits of caused by or resulting from Insurance, 3. Damage to Prem- freezing, unless: ises Rented to You of this en- dorsement. (1) You did your best to maintain heat in the 4. Supplementary Payments building or structure; or Under Section I - Supplementary Pay - (!I) You drained the equip- ments - Coverages A and B: ment and shut off the a. Paragraph 2. is replaced by the fol- water supply if the heat lowing: was not maintained. (d) "Property damage" to: Up to the limit shown in Section B. Limits of Insurance, 4.a. Bail Bonds (� Plumbing, heating, air of this endorsement for cost of bail conditioning, fire protec- bonds required because of accidents tion systems, or other or traffic law violations arising out of equipment or applianc- the use of any vehicle to which the es; or Bodily Injury Liability Coverage ap- plies. We do not have to furnish these (IQ The interior of any bonds. building or structure, or to personal property in b. Paragraph 4. is replaced by the fol- the building or structure, lowing: caused by or resulting All reasonable expenses incurred by from rain, snow, sleet or the insured at our request to assist us ice, whether driven by in the investigation or defense of the wind or not. claim or "suit", including actual loss of Limit of Insurance earnings up to the limit shown in Sec- tion B. Limits of Insurance, 4.b. With respect to the insurance afford- Loss Of Earnings of this endorsement ed in Paragraphs 3.a. and 3.b. above, per day because of time off from the Damage to Premises Rented to work. You Limit as shown in the Dedara- tions is amended as follows: 5. Medical Payments (1) Paragraph 6. of Section III - The Medical Expense Limit of Any One Limits of Insurance is replaced Person as stated in the Declarations is by the following: amended to the limit shown in Section B. Limits of Insurance, 5. Medical Pay- 6. Subject to Paragraph 5. ments of this endorsement. above, the Damage to Premises Rented to You 6. 180 Day Coverage for Newly Formed or Limit is the most we will pay Acquired Organizations under Coverage A - Bodily Section II - Who is an Insured is Injury and Property Dam- amended as follows: age Liability for damages because of 'property dam- Subparagraph a. of Paragraph 3. is re - age" to any one premises: placed by the following: GA 210 VA 0917 a. While rented to you, or a. Insurance under this provision is af- temporarily occupied by forded only until the 180th day after you with permission of you acquire or form the organization the owner, or the end of the policy period, b. In the case of damage whichever is earlier; by fire, explosion, light - Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 9 of 14 7. Waiver of Subrogation This insurance does not ap- Section IV - Commercial General Liabil- ply to: ity Conditions, 9. Transfer of Rights of (i) Any "occurrence" which Recovery Against Others to Us is takes place after you amended by the addition of the following: cease to be a tenant in We waive any right of recovery we may that premises; have against any peisun ui uiganizaliun (ii) Slruclural alterations, against whom you have agreed to waive new construction or such right of recovery in a written contract demolition operations or agreement because of payments we performed by or on be - make for injury or damage arising out of half of such additional your ongoing operations or 'your work" insured. done under a written contract or agree- ment with that person or organization and (b) Lessor of Leased Equip - included in the "products -completed oper- ment ations hazard". However, our rights may Any person or organization only be waived prior to the "occurrence" from whom you lease giving rise to the injury or damage for equipment when you and which we make payment under this Cov- such person(s) or organiza- erage Part. The insured must do nothing tion(s) have agreed per Par - after a loss to impair our rights. At our re- agraph 8.a.(1) of this en - quest, the insured will bring "suit" ortrans- dorsement to provide insur- fer those rights to us and help us enforce anee. Such person(s) or or - those rights. ganization(s) are insureds 8. Automatic Additional Insured - Speci- only with respect to liability fied Relationships for "bodily injury', "property damage" or "personal and a. The following is added to Section II - advertising injury' caused, in Who is an Insured: whole or in part, by your (1) Any person(s) or organization(s) maintenance, operation or use of equipment leased to described in Paragraph 8.a.(2) of you by such person(s) or or - this endorsement (hereinafter re- ganization(s). A person's or ferred to as additional insured) organization's status as an whom you are required to add as additional insured under this an additional insured under this endorsement ends when Coverage Part by reason of a their contract or agreement written contract, written agree- with you for such leased ment, written permit or written equipment ends. However, authorization. this insurance does not ap- (2) Only the following persons or or- ply to any "occurrence" ganizations are additional in- which takes place after the sureds under this endorsement, equipment lease expires. and insurance coverage provided (c) Vendors to such additional insureds is lim- ited as provided herein: Any person or organization (a) Managers or Lessors of (referred to below as ven- dor) with whom you have Premises agreed per Paragraph The manager or lessor of a 8.a.(1) of this endorsement premises -leased -to -you with to -provide insurance, -but -on - whom you have agreed per ly with respect to 'bodily in - Paragraph 8.a.(1) of this en- jury" or 'property damage" dorsement to provide insur- arising out of'your products" ante, but only with respect which are distributed or sold to liability arising out of the in the regular course of the ownership, maintenance or vendor's business, subject use of that part of the prem- to the following additional ises leased to you, subject exclusions: to the following additional exclusions: Includes copyrighted material of Insurance GA 210 VA 09 17 Services Office, Inc., with its permission. Page 10 of 14 GA 210 VA 0917 (i) The insurance afforded dor's premises in the vendor does not connection with the apply to: sale of the product; 1) "Bodily injury' or 7) Products which, af- "property damage" ter distribution or for which the ven- sale by you, have dor is obligated to been labeled or re- pay damages by labeled or used as reason of the as- a container, part or sumption of liability ingredient of any in a contract or other thing or sub - agreement. This stance by or for the exclusion does not vendor; or apply to liability for damages that the 8) "Bodily injury' or vendor would have 'property damage" in the absence of arising out of the the contract or sole negligence of agreement; the vendor for its own acts or omis- 2) Any express war- sions or those of ranty unauthorized its employees or by you; anyone else acting on its behalf. How- 3) Any physical or exclusion ever, this ex chemical change in does not apply to: the product made intentionally by the a) The excep- vendor; tions contained 4) Repackaging, ex- in Paragraphs (c) (i) 4) or 6) cept when un- of this en - packed solely for dorsement; or the purpose of in- spection, demon- b) Such inspec- stration, testing, or tions, adlust- the substitution of ments, tests or parts under in- servicing as structions from the the vendor has manufacturer, and agreed to then repackaged in make or nor - the original con- mally under- tainer; takes to make 5) Any failure to make in the usual such inspections, course of business, in adjustments, tests connection or servicing as the with the distri- vendor has agreed bution or sale to make or normal- of the prod - ly undertakes to ucts. make in the usual course of busi- (ii) This insurance does not ness, in connection apply to any insured with the distribution person or organization: or sale of the products; 1) From whom you have acquired 6) Demonstration, in- such products, or stallation, servicing any ingredient, part or repair opera- or container, enter- tions, except such ing into, accompa- operations per- nying or containing formed at the ven- such products; or Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 11 of 14 2) When liability in- spect to their liability as cluded within the mortgagee, assignee, or re- "products- ceiver and arising out of the completed opera- ownership, maintenance, or tions hazard" has use of the premises by you. been excluded un- However, this insurance der this Coverage does not apply to structural Part with respect to alterations, new construction such products. and demolition operations (d) State or Governmentalperformed by or for that per - son or organization. Agency or Subdivision or Political Subdivision - (3) The insurance afforded to addi- Permits or Authorizations tional insureds described in Par - Relating to Premises agraph 8.a.(1) of this endorse - Any state or governmental ment: agency or subdivision or po (a) Only applies to the extent litical subdivision with which permitted by law; and you have agreed per Para- graph 8.a.(1) of this en- b Will not be broader than that () dorsement to provide insu re which are wired b- y q y anoe, subject to the follow the written contract, written ing additional provision: agreement, written permit or written authorization to pro - This insurance applies only vide for such additional in - with respect to the following sured; and hazards for which the state or governmental agency or (c) Does not apply to any per - subdivision or political sub- son, organization, vendor, division has issued a permit state, governmental agency or authorization in connec- or subdivision or political tion with premises you own, subdivision, specifically rent or control and to which named as an additional in - this insurance applies: sured under any other provi- sion of, or endorsement (1) The existence, mainte- added to, this Coverage nance, repair, construe- Part, provided such other tion, erection or removal provision or endorsement of advertising signs, covers the injury or damage awnings, canopies, cel- for which this insurance ap- lar entrances, coal plies. holes, driveways, man- holes, marquees, hoist b. With respect to the insurance afford - away openings, side- ed to the additional insureds de - walk vaults, street ban- scribed in Paragraph 8.a.(1) of this ners or decorations and endorsement, the following is added similar exposures; or to Section III - Limits of Insurance: (i) The construction, erec- The most we will pay on behalf of the tion or removal of eleva- additional insured is the amount of in - tors; or surance: (ii) The ownership, mainte- (1) Required by the written contract, - ---- -- nance-or-use-of-any-el-- written agreement, written permit evators covered by this or written authorization described insurance. in Paragraph 8.a.(1) of this en- dorsement; or (e) Mortgagee, Assignee or Receiver (2) Available under the applicable Limits of Insurance shown in the Any person or organization Declarations; with whom you have agreed per Paragraph 8.a.(1) of this whichever is less. endorsement to provide in- surance, but only with re - Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 12 of 14 This endorsement shall not increase b. With respect to the insurance provid- the applicable Limits of Insurance ed by this section of the endorse - shown in the Declarations. ment, the following additional provi- c. Section IV - Commercial General sions apply: Liability Conditions is amended to (1) The Limits of Insurance shown in include the fallowing: the Declarations are replaced by Automatic Additional Insured Pro- the limits designated in Section B. Limits of Insurance, 9. vision Property Damage to Borrowed This insurance applies only if the Equipment of this endorsement "bodily injury" or "property damage" with respect to coverage provid- occurs, or the "personal and advertis- ed by this endorsement. These ing injury' offense is committed: limits are inclusive of and not in addition to the limits being re- (1) During the policy period; and placed. The Limits of Insurance shown in Section B. Limits of (2) Subsequent to your execution of Insurance, 9. Property Damage the written contract or written to Borrowed Equipment of this agreement, or the issuance of a endorsement fix the most we will written permit or written authori- pay in any one "occurrence" re- zation, described in Paragraph gardless of the number of: 8.a.(1). (a) Insureds; d. Section IV - Commercial General Liability Conditions is amended as (b) Claims made or "suits" follows: brought; or Condition 5. Other Insurance is (c) Persons or organizations amended to include: making claims or bringing Primary and Noncontributory In- "suits". surance (2) Deductible Clause This insurance is primary to and will (a) Our obligation to pay dam - not seek contribution from any other ages on your behalf applies insurance available to an additional only to the amount of dam - insured per Paragraph 8.a.(1) of this ages for each "occurrence" endorsement provided that: which are in excess of the (1) The additional insured is a Deductible Amount stated in Section B. Limits of Insur- Named Insured under such other ance, 9. Property Damage insurance; and to Borrowed Equipment of (2) You have agreed in writing in a this endorsement. The limits contract, agreement, permit or of insurance will not be re- authorization described in 8.a.(2) duced by the application of of this endorsement that this in- such Deductible Amount. surance would be primary and (b) Section IV - Commercial would not seek contribution from General Liability Condi- any other insurance available to tions, 2. Duties in the the additional insured. Event of Occurrence, of- 9. Property Damage to Borrowed Equip- fense, Claim Or Suit, ap- ment plies to each claim or "suit" irrespective of the amount. a. The following is added to Exclusion 2.j. Damage to Property under Sec- (c) We may pay any part or all tion I - Coverage A - Bodily Injury of the deductible amount to and Property Damage Liability: effect settlement of any claim or "suit" and, upon no - Paragraphs (3) and (4) of this exclu- tification of the action taken, sion do not apply to tools or equip- you shall promptly reim- ment loaned to you, provided they are burse us for such part of the not being used to perform operations deductible amount as has at the time of loss. been paid by us. Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 13 of 14 10. Employees As Insureds - Specified Health Can: Services And Good Samar- itan Services Paragraph 2.a.(1)(d) under Section II - Who Is An Insured does not apply to: a. Your "employees" who provide pro- fessional health care sevicxi�s un yuui behalf as a duly licensed nurse, emergency medical technician or paramedic in the jurisdiction where an "occurrence" or offense to which this insurance applies takes place; or b. Your "employees" or 'Volunteer work- ers", other than an employed or vol- unteer doctor, providinq first aid or good samaritan services during their work hours for you will be deemed to be acting within the scope of their employment by you or performing du- ties related to the conduct of your business. 11. Broadened Notice Of Occurrence Paragraph a. of Condition 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit under Section IV - Com- mercial General Liability Conditions is replaced by the following: a. You must see to it that we are notified as soon as practicable of an "occur- rence" or an offense which may result in a claim. To the extent possible, no- tice should include: (1) How, when and where the "oc- currence" or offense took place; (2) The names and addresses of any injured persons and wit- nesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. This requirement applies only when the "occurrence" or offense is known to an "authorized representative". 12. Nonowned Aircraft The following is added to Exclusion 2.g. Aircraft, Auto Or Watercraft under Sec- tion I - Coverage A - Bodily Injury And Property Damage Liability: This exclusion does not apply to an air- craft you do not own, provided that: a. The pilot in command holds a current effective certificate, issued by a duly constituted authority of the United States of America or Canada, desig- nating that person as a commercial or airline transport pilot; b. The aircraft is rented with a trained, paid crew; and c. The aircraft does not transport per- sons or cargo fbr a charge. 13. Bodily Injury Redefined Section V - Definitions, 4. "Bodily injury' is replaced by the following: 4. "Bodily injury" means bodily harm or injury, sickness, disease, disability, humiliation, shock, fright, mental an- guish or mental injury, including care, loss of services or death resulting from any of these at any time. 14. Expected Or Intended Injury Redefined The last sentence of Exclusion 2.a. Ex- pected Or Intended Injury under Sec- tion I - Coverage A - Bodily Injury And Property Damage Liability is replaced by the following: This exclusion does not apply to 'bodily injury" or "property damage" resulting from the use of reasonable force to protect per- sons or property. 15. Former Employees As Insureds The following is added to Paragraph 2. under Section II -Who Is An Insured: 2. Each of the following is also an in- sured: Any of your former "employees", di- rectors, managers, members, part- ners or "executive officers", including but not limited to retired, disabled or those on leave of absence, but only for acts within the scope of their em- ployment by you or for duties related to the conduct of your business. Includes copyrighted material of Insurance GA 210 VA 0917 Services Office, Inc., with its permission. Page 14 of 14