PROOF OF INSURANCE (2024) CLOSEDAC4 R" CERTIFICATE OF LIABILITY INSURANCE
GATE (MMIDDNYYY)
6/20/2023
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLYAND 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 poticy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to
the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the
certificate holder in lieu of such endorsement(s).
PRODUCER
Robert Harris Insurance Agency, Inc.
Lic_ #0216736
3150 Bristol St., Suite 200
Costa Mesa CA 92626
CONTACT NAME. Arlene Rhodes
PHONE z (714) 619-4480 AX No: (?14]fi19-4492
E-MA14 arlene@reharris_com
ADDRESS:
INSURERS AFFORDING COVERAGE
NAIC #
INSURERA:Travelers Casualty Insurance Co of Ame2
19046
INSURED
Complete Paperless Solutions
5130 E La Palma Ave
Ste 206
Anaheim CA 92807-2078
IN$URERB:Hartford Casualt Ins. Co.
29424
INSURERC:LIo ds of London
INSURER D: Houston Ca$UaltL Company
INSURER E:
INSURERF:
COVERAGES CERTIFICATE NUMBER:23-24 Master Cart REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAYBE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
INSR
LTR
TYPE OF INSURANCE
ADDL
SUER
POLICY NUMBER
POLICY EFF
MMIDDIYYYY
POLICY EXP
MWJAPrr YY
LIMITS
X
COMMERCIAL GENERAL LIABILITY
EACH OCCURRENCE
S 2,000,000
A
CLAIMS -MADE OCCUR
DAMAGE
PREMISESOEaEe occurrence)
S 300,000
MEO EXP (Any one person)
S 5,000
X
6009BO47614
15/23/2023
6/23/2024
PERSONAL BADVINJURY
$ 2,000,000
GEN'LAGGREGATELIMIT APPLIES PER;
GENERAL AGGREGATE
$ 4,000,000
%t POLICY PRO- ❑ LOC
JECT
PRODUCTS - COMPIOPAGG
$ 4,000,000
DEENC
S
OTHER:
AUTOMOBILE LIABILFFY
COMBINED SINGLE LIMIT
Ea accident
S 2,000,000
BODILY INJURY (Per person)
$
AI
ANY AUTO
ALL OWNED SCHEDULED
AUTOS AUTOS
680@B@47614
6/23/2023
6/23/2024
BODILY INJURY (Par accident)
5
PROPERTY DAMAGE
Peracddent
$
NON -OWNED
HIREDAUTOS E AUTOS
UMBRELLA LIAB
OCCUR
EACH OCCURRENCE
S
AGGREGATE
S
EXCESS LIAR
CLAIMS -MADE
DED I I RETENTION S
S
>�
WORKERS COMPENSATION
AND EMPLOYERS' LIABILITY YIN
ANY PROPRIETOFUPARTNER/EXECUTNE
OFFICERIMEMBER EXCLUDED?
(Mandatory In NH}
NIA
72WECZX9262
6/23/2023
6l23/202A
X PER O7H•
STATUTE ER
E.L. EACH ACCIDENT
$ 1,000,000
El, DISEASE -EAr=MPLOYEE
S 1,000,000
E.L. DISEASE - POLICY LIMIT
$ 1 000 ODO
H yes, describe under
DESCRIPTION OF OPERATIONS below
C
Errors and Omissions
ESLO939682951
6/23/2023
6/23/2624
Each Claim B Aggregale $2, 000, 000
Claims Made Policy
Each Ctalm Deductible $10,000
DESCRIPTION Of OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
The City, its officials and employees are Additional Insured per form# CGd2470419 which is attached to
and made part of policy for General Liability. Coverage is Primary over any other insurance maintained.
Waiver of Subrogation on Workers Compensation is attached.
In the event of non-payment of premium, a 10 Day notice of cancellation will be sent.
CERTIFICATE HOLDER CANCELLATION
City of El Segundo
350 Main Street
E1 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
%eve Harris/ARLENE �� e
reserved.
ACORD 25 (2014101) The ACORD name and logo are registered marks of ACORD
INS025 (201401)
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY,
WAIVER OF OUR RIGHT TO RECOVER FROM
OTHERS ENDORSEMENT - CALIFORNIA
Policy Number: 72 WEC ZX9262 Endorsement Number:
Effective Date: 06/23/23 Effective hour is the same as stated on the Information Page of the policy.
Named Insured and Address: COMPLETE PAPERLESS SOLUTIONS LLC
5130 E LA PALMA AVE STE 206
ANAHEIM CA 92807
We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our
right against the person or organization named in the Schedule. (This agreement applies only to the extent that you
perform work under a written contract that requires you to obtain this agreement from us.)
You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work
described in the Schedule.
The additional premium for this endorsement shall be 2 % of the California workers' compensation premium otherwise due
on such remuneration.
SCHEDULE
Person or Organization
Job Description
Any person or organization for whom you are required by written contract or agreement to obtain this waiver of rights from
us
Countersigned by
Authorized Representative
Form WC 04 03 06 (1) Printed in U.S.A.
Process Date: 05/14/23 Policy Expiration Date: 06/23/24
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L a.--y 1"-,g'.jk-Jon ,,,r !Kng to unschured cwmn=0io;, okObwan smdYg o,
Zran"Ming Of Wa MOM— w am -her McMum or ions deuce,
1 "WWOM Ths EMUSIMI 0:4 not apy?"; "C" INSUPING CLAUSE I SECTtON
62. Vacant pronAses
0 wSpect of MSURING CLAUSES 4 and SAemAwtj Rnm Fwemhes ON vmwo by mom Hnn % comumv, day�
6a 'mar
ansing doeady or indkeMy out of
a. , Inva--,ir:),I,acts 0' nre�p
-,J;, ,ts or PvhMer war 4 dedamd oi nWL Wil
-Y�L.(ou
tJV1I i:olr)lnotian awmYng &c. pror of or rniour)"'11-- to -.,)n up.,ism'g,
rrilltacy of JSut{?ed pc'.vei, w
A wVaWonvakar in —qrdbnqr)rcven0ng.;Upprwwnq
61. WebYte content accesdWhy
alling dwasly at indawdy out ot We auum car ageged vowor of an; TLgulritlo,-is r)r '0 rho
aweswbRy W your webs w corAent
Cis. WRIful or dishonest acts of senior executive of Rcers
rr c'llt cf any 3c-,. o! b", Fj senior
executive officer as dwannnd by!final aQW&wWa amMuhunwa, wrwenadn&sion
I What your must do in the event of claim orcyber incident
If any senior executive officer awwe at any Kcdent wNch nay bQ exp'-C't"d to -o 1.0, t.
_[airy) under Pokc.", you rnus�
a rwdy We dKims mamgens on wyact af cyber hiddemn a QeOmne W Lo our cyber MOM respons-
Wo wT corwRou wMadon) as soon as t mawnaky practicar fie ,rld in
INSUPINNG CLAUSES I (SECTIONS A,,B, C. D, E G and H only) ai-r-.1 3 (SECTION G onlY) rh,s
ncUNcaturi awst no Jii uji ',h,)r-) ! I -,'n"J rcporting p,-tTiod; jnd
b W admi kabibly for or seWe or friake cy promle w W Pavi ,r-cur any costs and expenses
our mrio:r'.A,,tit-,,CnL aqrcci (,;,:hjc.�✓ n"", he t'jn it >
4 you discunr a cyber event you may orlly inrur cusrs nit; ci.,l OUT prlc
MlowNg We dwci%,en,/ �v-K! --.,i r,,, third pony cw, vmuued nwin he with a oA aW twmwo Pwr A No apWoved
ciaims panel providers.:' Ahm cmW may wo be mcur od v.:A h I �; tL-)r L.,, Finw-, consent of tk:, clainis managers
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2 Additional insureds
We W, JAOMAN third parry 9dQq-N wis-odmd, ihs PAQ On awon 5pen of mms nhil"41y
oblitjed I() clan, !-!Cj as <' 1(2Su1L CiaiM
oat; of jct 1ju--"-' by you 1 1 ovi7'f'd
a. You canDaUed in vshng !a indminQ/ the third party ry "'h", claim LO, 11,
Lhent MCI
b Nd Vie dArn to mado agons you Von you" out bp ani Aled to kdeamly undo No Pdk,,,
RAyewe
a Prom to us that 1 ho claim arose solely on N an am commkod by yaw and
b. COND,TlOri I you,
40so as wKsonNy a third party as an addrional inymcd undw ChN Pat, Va fkky WW be pwony wd nor' -
con; F€bu-rory zo tale third panVs own Anuirance i-)ut only if you and on ANd parts ham smami on a cwuan Va,,
.-:")I '.j j:" I t)':Isinn 'e -I ur! Ii-lg I: hj_-.
t.Vl-ele ; third party !S Domed an an add0=5 insmod as a rmuk of this FM"7' Claim ;-rl@Cro 1-)y` third
party,s.: ja;ns!( you will be by us aif Chrey ",ere a third party a:dno,, s at-,
3 Agreement to pay Claims (duty to defend)
We 11-0 We nWO and duty W take cartra of and conduct V your var"'? the lrn'r?stigdtk."n, ' ! lorner)'t cz defeq'sc-of
WV Wrrr We wM not have arV duty to Iny costs and expenses for any part of a clArn too ? no cmaand by ns
pdwy
You may as;< claims Managers to dppointing your ,�Yvn lawyer to defond the dais an your Whalf and
&W daims Managers T-nDy',ir-Int your 11 they con -side r your lawyer Ts suka!Av quArlhd
wto rnaUer of the CAN, and Um can Lo pwOdp a doNw—
%Va wd! endeavw to s�:ok,, aw/ claim nwWWron or some o0wr fum of Ere maos
v-"iH pay an your bchalf -,n� amomt %re agme wd-i dw chhnnt •I we camwt sade using th"Q
mewk we ;will pay th.c .n':ouni whwh you am Q,,ind Gabe„ oa py ..ithe! in ro�.trt of througl� 3ihib�tmn
s ,ubj'cct. to the limit of iia;aifity
We wiH '�r4tlIci '-.ny C!aim Your canwnl: 4 you inNse to poods your consent to a satkirnnt
l"'y us'.Indl conr%nan with, ciairn, 8iy ft her costs and
expQnses ,_ill paid by you and us an a pmominnal layis, wK! 53ayhIn by us nmj Sy, p3pble ny
you As a conmqnonce of your refusA our handuy for the and exponsev wM no be mom Man
1% arnount for Claim ccuki
/t Calculation of business interruption
In respect of INSUIS-lNG CLAUSES 2 fSECTaON Gonly) -,w.d S. jrT the evem of a dMa, &D, �frl o",
yaw you am"t Poodle ih,' claimsimanagers win your cal idnoon -.& Z1'-
a has Un On Mac been calwdowd and uii,I;
Pf I i'.i
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fi;70WJ K! we "M appohm an independent rocar agren,:J
hxxcan you and us 'v.1iP f-"C- to 13Y us 4 an Wkwuminn evpmr awwar to agnad LMOM one SAP W--.
spn6rad b; or r,-i='1!..ja1"gWed be men you and uswhme cedwonwo he AM and smuq'4
I
eneq hn lomp ajoamed war WYNxion ofanj log_b/you r-"e
and ondmg
�. Can ce-Hation
, I - Y m:."' � - -; %,vritLcri riOT.Jt�E• IUY E�'jJle5 YOU (�T'US
-1-E Poli"� oe,,,�,incekd WQh 30 dy-
Ifyou gwe us nalm, of mt.urn prenfum All br: Ni pmpvdan to To rountarordayi chat W Palky is
Wavect
If we give you no 0 cwWWwa the retwn prendurn M be as rwaponjoi tu the rimaber of days that Hie PaIQ
in W MaT
We als'-, the KII V caiwAYMn the event Wou wV ammmt sm to us by you remors wyld mom Yw:'t
43p� day', ti,e incephon date K we emmme WK rij a 0 cj'=Ys af-kc.3 th-"
g-.otice C-1 i' sued.
l,,-, dL-TT,,od AQ ewnee upan mcmthn oWs PAO,;
G. Continuous cover
jfyou hava thmuWi euor w t.,V Vou th"1'. 0.
a clan undw this PohodmOg Un peQd N a pry- oma orw;.3I vfthis Ftoliss-iEd',,You b-L; us, hen provided that
Y I uulha%.:.� Wo"M QW0 To axpirvat that Wier 141ky lye VA
PWMQ "M Mauix to u,-der ZW PWQ and we ad! i:'dunify you, oi,:tt
a, zhe indenwhy M he wIns to am amNwIne wpit '_!" fi"b, itv o", "h- Pcslj,_y tindk-.'•rvihich 1, nzw-r
Etne,udch!ve- bcet—pvwd ar M MR of HARAy,whichaver is the lower;
b we rwy md"s Aw adwroMW PAWmaw by We rwnwag e,mahm of riny has hc-en
e'-ult of- dc.1a .. ..
Cr,o
y' arid
c We in.en vuly nyl be sulen W aM oMe liams and T)at..�y' "nan a- qbcoje
7. Cross HabRity and severaWlAy
in aspect of INSURNNG CLAUSE 3 b . ,','herc is nmc Ini MW cinthv ksumd wndor this PAO% wd Yhys lo
flMit of Hability. an.v r-laim. rnxd,.� by one Youmd emqy agans a&her Anumd enty AN be MaMd M 0 WeV aW
_r third parby -4(� ona mswcd n.jt by i[ r.' c:d' - -i nnyo!"-'er �(Isul Lraaty
Esta b lishing foss of contents
K you anke a chka undu rhN Poky for Inws at content, ymun-MommAby ewi&kh han anwaWn On Mom
look Own FhK wtiy ir---IudM-6rnWWF1 001 00 WOW wW MpWod to the appmpnWo low
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9. Extended reporting period
in inspea of INSURING CLAUSES I (SECTIONS A. EB C, D. E. C and HoiQj and 3 (SECTION G cKA an vwmd(?ri
rep""'rtif'g pc! od cGo das 55ning Q,,-, oxpiry date:,-., i l be awommkoy gramed at rw adW and pemom 00
extondod wporimpt pubd .:all c"m, su,wu to all oEner te"ns, cnnKtjC_,).._' ji.- slur- -11�: pofic.
of �i dyms T::l
nude ag"n. you dwnq ow P.Nd of Me policy and F'e!)-
US jur' -his
No dam wN be ancened by us 4, TV 60 day eoeWed :vloorting pabd if you xe entitl d ,,)
ohm wswwco m vivuld no ontithd OD 0enmity u nd,:er a hownico if Is knQ of habilay was not exhauszod
Optionai extended repot-Ung pwhd
In rem act M WSUMN0 CLAUSES I IECTONS A, A C, R E G and H only; and 3 (SECT10Pj G')-fly), it we ci you
to renow or cancel Hns PoKS &a- you YAH h&m We 09M to he mood an mWomamnt larwidbg an oMwml
I Period for the dllrr"tior% ,Laied in the Dechradons paq� f(orn d-,c
canctIlatlrjr! or do, This oymnt enand& rownmg pwhn vAH Clain -is fl35t Inaclo �gainst you
afvj rep<wund tc, US dwNig On oyront eanked mynny pabd bar aNy in wspeor of nny clAina arising out of an-,/
,rror c), on-,isiian com0ned or dn' docncol'noMn, 7d
Cc'ndizjun'�. and erXdkjSio1-s0fthj-' poli(:y.
If you "'vould €i;<c i0 polchts'z th3' rcporthg puwd you 11?US� US Wd pay us Jc�
,:dC.,nded powd Waimum GaWd a) is Dedambron page wahn 30 0r r1orl
i-h'e fkght op0onal �ntcndc'.;.J reaaky; oo"d will mot l)oavailable L.a you "-A-ere canc-Ilation 01 by
us a duo to non paymont of the prern.lum your �ailutc to pG,.,y anyaFr;'1m-1r.s w. of 11irnit of
liabiRy,;! vv!mi�" tha smounk of tine applicable deductibleas is reT*ed byuns Pdoy it the pay me ofcAns,
At the renewal of th, Polky our quWativ-, c.f (iff"erent gwenfurn, deductble, liniks of liabilRy w dimiges ire pok,,,
P',ill not coj-'stlLkjl'-"° note by us
]�. Fraudufent claims
I AN due u6nd by QM WpMkR5v a bhA Y&uwI o1ri' terlatli rvs�'or by you, I rl'-'t you us 01 vly
knowNg A to be fake a I'mmkdeno in xv way we wdl h"o no responybdity -.c, pi,, we rn'.iy 1cA--CjvC'j froln.
you any sums Paz nv nupect of that claim arid we rescve Ov f9v to wunMne 01 Pdwy bmi We date of the
QaWkhont act H vve oww1c this by we wM not be hawe &a rmum inv prervium'.c, you -ic)rcivor, tIhisv-'A] not
&"MWCQM "J"K "Y"sh US" Par"Y"oMd MUSL
12 Innocent non-discfosure
We, nw swkt_. avid !Ir- Yen vvyclarmn Wo
11 h4aintenance of cn-4ployee automobile ?lability insurnince
it p! PNSWRING CLAUSE 3,L-SECTIONS of and i rdi employees
operat,-.- Na en awnNys AH manOm in hQ tone anvi ohm: ru Q., period of
We polky p&nxL,,2 n, amn,iZ eqmho, or ymatw ,rig n, the nounan) pw,-.my
rujuj2d in dip maw Ormlawmn of Vo aumambik" it you ine¢kc't daim ".ncjer WSU'RlNr'
CLAUSE 3 MECTIONS H,-�nd 0M emWona KW tided to ineor these ruquinnnyus Una thin pdny
!upon d --(" pr('tvid- C"Xc"�S" -IS LhwqK tho raquKromens Vad Uewi nmV joymby you agwe to py ap Sums
i*-'"'aF up tu, !-:xpui�cd rninwr'rwn lin''jr.
MerqCFS aild aCqLliSitionS
IF you Acquke an witRy WrIg the podad of the pAWy zome amuni revenue dow no smeed 20A of tN�,
Company's ann�.jad as in 01-'.-�osr rer1 '-;nT is
W Poky to KcK.-Je t} i'z subsidiary.
lfyou'acq',�r"�? On pw5d ofthe paltry ohose annud emnue sneeds 2CY? of die company's nimmod
rcv, cnuc. Marc--d w, 11"om Trnos, �s undo ths WRIFo mckd".-,
We wqAnd unry W a subsidiary for a period of 4S dWs.
We WM Con A der pmwd[np cov'er fcI the ":qi I ir'--'J ei't `.� ./ ifter tr-E� percxl c,' days
a. you qka ushA cmNsoPthe amynyaYn Q dnpofis mclaskaR -end
b you accopt any arnadmen to Me tomq awJ ol,' tlrfs Floic'y i,)r agm�- !_ pay any add!donal
preiniurn!-'-qp-jt---ed by us,
e'-';(°flz you tic, T)o'L -"I C fm the aribry 45 da, aker
dam N As MquioNxi,
Cover for any acqitryd Way is only pfonded under tht KAI Or my ao e"ar or onsQui conrwnirted on w a0--!
the date of As acqwnbri
No cwx Ya be undw thk Pokj fm any aapimd erniq:
a %Qow lomman rn-itenally C"If"cren".. rorr your biism-.-s
L'. J t i�s h-a•�n the Men of any lansut dwyhnaw aawn or r"Nomy howsymorl 0 the 5 yea pekod
(') ,r.s Jr
c. thW, has a cyber event & We Aymr pekd phm rats aaxpsdion WUre cyber event cost
tManthe!MghesLdeductbieofthaPdk),,
4 dwAg lo perbd of Be pAky you wmisdtaw, mugn w1h or entity thr--'n 4 '.mil tr. F'g�j
u'nd,' zh- v!!I"wpQMW at on owe CA the SMENdawa snager or Wynown umms we hwo "VWd an
endwymen, WmANg cmwpg&. L-:I,-.d you havo agf C"--d" :jny addii Prernium and t C Ftln-, cf cov-,-- rrtge
by us
-.' - Our right�-o recovery
i` we Ur -_'in you inus, n-Anow aH of YMW FQMS of ims"ry K" mWea of US
penmy oohm any thhd warty am]
WOW& no nw�ke any ryms A ernployeez or we emann hirs, of
OW empi0ye"e in., -'heir d--:Fth' :f 3'%Y
framutm or dAnnest act; or ;:)Y _',JWmn OVUM Mwwl or arvar admayon by
You.
V CfC
A, rumems WN bo apil"d in pmpoww tu we amounts paid by you and us V, FE aii'-"n "'o tund--i
Poky
G. Prior subsidiaries
Shodd an enky cene to be E;� subsidiary U-e inception date, in, F'�Sprm":-' of -,.i ,-" IILI�'M�' �.Ortinua' �.s it
stiil':i subsidiary during qn perfad of the pAky bw =;}- jr cf c.rr rz.-. or
prior to 'iUST ,.- t hai ;'. 7 eases t(,, h,- s subsidiary
T? Process for paying privacy breach MincaUon costs
Any privacy breach nouncanon Yanmiked by you w aryour nnust be done wrth our pKn vxh2n covem.
We wiH emwe lot =Rari= n compliam wah mv hgal or regJazily recpyrarimnn aQ canu actual ObAgadom
OR) offer must bo made for fin area ai gifts. C-c!upons, crod'lu;C;T sc-zices our
on!", L)t- p!o"'lo'sd if the offi-�r is V"€th t. I le a isft J)
We wK no be it for any partan of to coMs you hwijj Lind:'.,r NSURING CLAUSE 2 (SECTIQH .5 tl--a!
Z:-').sts iat ycu',jo"W has mcwnd had you gahod our WVr .,[ Haan cnonn"n QQ aowce &am )]or ww"��r'
con"M we voll only be l5de to pav you dw emkolent cost of a notifiwa",sn :nack-- 'j"ing thc J--inEt cc— sffi-'cm-,
nnc�atls pC'n),.issibif, kjridr
is. Waiver o, subrogation
NMwMwandkig CONDMO14 S, we agMe to wale our cighZ�-, of;ccovcry,.ig�� inst third party if, o clam
or ;ndclSsrr� you reasonably sMeand to gle We io a dain, you enzemd into. a connact that ccHyawn 1
provsiun reqr.iirin"you to FIC",
F91 Choice of iaw and Service of suit
d!spwo beWwen you and US q, Thi, Palif-y' [--,y ".tric of iaCi
__ _14_
St.aof ,i r(r U mod Rams d AMORa shwvn as OW Choke OHOW lr, 0 - D9aany a paga We agin" at your
request too uloput to the jUKSTWOn Of 0 COLM Of CORIPI(ItCl!l� J��ri"dicrio�n v,.1"hin "'Jitit—d
m)
acljan !ri 31;y "';)U�J Ur--,ittAl yaws a Amews "'o to i-J
-arrc seok a uan&x of a case to anothef cow! as pernittecl by We two A We unwo Rams I AmeQ,,'
or the laws of any Stwe of Ac JnAed Taws of America.
It is Ajoher agreea that ser"'e oi omcng in such got may be mat o upon the JnOrr sated in Me
page wid that in or, RA knOwN aWmw us we will YNA by Me AnA dedslon of swh court or of ay ypcTw.L
court in 'rhe ver':i c. c,in �'%Pp- at A-�- ffirn sr-3,,ed w paqE„Ljrhor!�'r-d' an"i ir' acx.'�,-)'
(if proc--'n-s am bm"t 0 W! smh at am$ M Ycow reqnsin 00 gm to you thc-.',
wit Nan a on our ["'. C.vc'n" ,'ucn
AddlorWly in a"OfUnnCe mh the vaun & a! ,/ STM. cL.uerl ii oar or dior"r of thc . -
pTovisar, we hwaby 11, ihc.? of
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POLICY
TABLE OF CONTENTS
GENERALCOMMERCIAL LIABILITY COVERAGE FORM
I SECTION I- COVERAGES
Coverage A Bodilly Injury and Property
Damage Liability
Coverage B -
Personal and Advertising
Injury Liability
Insuring Agreement...... .... ......
Exclusions ...............................
Insuring Agreement ....
Exclusions ..................
Beginning on Page
......................... 2
..............................6
.................................6
Coverage C -
Medical Payments Insuring Agreement ......................... ..........................9
Exclusions.... ....... --..................................................... 9
SupplementaryPayments ...... ................ ................... ......... ........... ....... ...... — ....... ............... 10
SECTION! 4 - WHO IS AN INSURED....................................................... .,...... ......... ...... ...11
SECTION III - LIMITS OF iNSURANCE...................................................................................13
SECTION IV - COMMERCIAL GENERAL LIABILITY CONDp T;ONS........................................13
Bankruptcy........................................................................................................................13
Duties In The Event Of Occurrence, Offense, Claim Or Suk.............................................13
Legal Action Against Us ............................................................................................... 14
OtherIns urance................................................................................................................. 15
PremiumAudit...................................................................................................................16
Representations.......... .............. .......... ....--- .............................................. ....... ........... _16
SeparationOf Insureds.....................................................................................................16
Transfer Of Rights Of Recovery Against Others To Us.......................................................16
WhenWe Flo Not Renew ....... .......... -... .......... ......... ............... ..... ................ — ...... ,............ 16
SECTION 11- DEFINITIONS....................................................................................................16
CGTO 34 02 1
POLICY 4 68081184 C14
COMMERCIAL GENERAL LIABILITY
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
Various provisions in this policy restrict coverage. Read
the entire policy carefully to determine rights, duties and
what is and is not covered.
Throughout this policy the words "you" and "your" refer
to the Named Insured shown in the Declarations, and
any other person or organization qualifying as a Named
Insured under this policy. The words "we". "us" and
"our" refer to the company providing this insurance.
The word "insured" means any person or organization
qualifying as such under Section II - Who Is An
Insured.
Other words and phrases that appear in quotation
marks have special meaning. Refer to Section V --
Definitions.
SECTION I - COVERAGES
COVERAGE A - BODILY INJURY AND PROPERTY
DAMAGE LIABILITY
1. Insuring Agreement
a. We will pay those sums that the insured
becomes legally obligated to pay as damages
because of "bodily injury" or "property damage"
to which this insurance applies. We will have
the right and duty to defend the insured against
any "suit" seeking those damages. However,
we will have no duty to defend the insured
against any "suit" seeking damages for "bodily
injury" or "property damage" to which this
insurance does not apply. We may, at our
discretion, investigate any "occurrence" 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 Insurance; and
(2) Our right and duty to defend end when we
have used up the applicable limit of
insurance in the payment of judgments or
settlements under Coverages A or B or
medical expenses under Coverage C.
(1) The "bodily injury„ or "property damage" is
caused by an "occurrence" that takes place
in the "coverage territory";
(2) The "bodily injury" or "property damage"
occurs during the policy period; and
(3) Prior to the policy period, no insured listed
under Paragraph 1. of Section 11 - Who Is
An Insured and no "employee" authorized
by you to give or receive notice of an
"occurrence" or claim knew that the "bodily
injury" or "property damage" had occurred,
in whole or in part. if such a listed insured
or authorized "employee" knew, prior to the
policy period, that the "bodily injury" or
"property damage" occurred, then any
continuation, change or resumption of such
"bodily injury" or "property damage" during
or after the policy period will be deemed to
have been known prior to the policy period.
c. "Bodily injury" or "property damage" which
occurs during the policy period and was not,
prior to the policy period, known to have
occurred by any insured listed under Paragraph
1. of Section 11 - Who Is An Insured or any
"employee" authorized by you to give or receive
notice of an "occurrence" or claim, includes any
continuation, change or resumption of that
"bodily injury" or "property damage" after the
end of the policy period,
d. "Bodily injury" or "property damage" will be
deemed to have been known to have occurred
at the earliest time when any insured listed
under Paragraph 1. of Section If - Who Is An
Insured or any "employee" authorized by you to
give or receive notice of an "occurrence" or
claim:
(1) Reports all, or any part, of the "bodily
injury" or "property damage" to us or any
other insurer;
No other obligation or liability to pay sums or (2) Receives a written or verbal demand or
perform acts or services is covered unless claim for damages because of the "bodily
explicitly provided for under Supplementary injury" or "property damage"; or
Payments. (3) Becomes aware by any other means that
b, This insurance applies to "bodily injury" and "bodily injury„ or "property damage" has
"property damage" only if: occurred or has begun to occur.
CG T1 00 02 19 ® 2017 The Travelers Indemnity Company. AN rights reserved. Page 1 of 21
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
COMMERCIAL GENERAL LIABILITY
e. Damages because of "bodily injury" include
damages claimed by any person or organization
for care, loss of services or death resulting at
any time from the "bodily injury"
2. Exclusions
This insurance does not apply to:
a. Expected Or Intended Injury
„Bodily injury" or "property damage" expected or
intended from the standpoint of the insured.
This exclusion does not apply to "bodily injury"
or "property damage" resulting from the use of
reasonable force to protect persons or property.
b. Contractual Liability
"Bodily injury" or "property damage" for which
the insured is obligated to pay damages by
reason of the assumption of liability in a
contract or agreement. This exclusion does not
apply to liability for damages:
(1) That the insured would have in the absence
of the contract or agreement; or
(2) Assumed in a contract or agreement that is
an "insured contract". provided that the
"bodily injury" or "property damage" occurs
subsequent to the execution of the contract
or agreement. Solely for the purposes of
liability assumed in an "insured contract",
reasonable attorneys' fees and necessary
litigation expenses incurred by or for a party
other than an insured will be deemed to be
damages because of "bodily injury" or
"property damage provided that:
(a) Liability to such party for, or for the
cost of, that party's defense has also
been assumed in the same "insured
contract"; and
(b) Such attorneys' fees and litigation
expenses are for defense of that party
against a civil or alternative dispute
resolution proceeding in which
damages to which this insurance
applies are alleged.
c. Liquor Liability
"Bodily injury" or "property damage" for which
any insured may be held liable by reason of:
(1) Causing or contributing to the intoxication
of any person;
(3) Any statute., ordinance or regulation relating
to the sale, gift, distribution or use of
alcoholic beverages.
This exclusion applies only if you are in the
business of manufacturing, distributing, selling,
serving or furnishing alcoholic beverages. For
the purposes of this exclusion, permitting a
person to bring alcoholic beverages on your
premises, for consumption on your premises,
whether or not a fee is charged or a license is
required for such activity, is not by itself
considered the business of selling, serving or
furnishing alcoholic beverages.
d. Workers' Compensation And Similar Laws
Any obligation of the insured under a workers'
compensation, disability benefits or
unemployment compensation law or any similar
law.
e. Employer's Liability
"Bodily injury" to:
(1) An "employee" of the insured arising out of
and in the course of:
(a) Employment by the insured; or
(b) Performing duties related to the
conduct of the insured's business; or
(2) The spouse, child, parent, brother or sister
of that "employee" as a consequence of
Paragraph (1) above.
This exclusion applies whether the insured may
be liable as an employer or in any other capacity
and to any obligation to share damages with or
repay someone else who must pay damages
because of the injury.
This exclusion does not apply to liability
assumed by the insured under an "insured
contract".
f. Pollution
(1) "Bodily injury„ or "property damage" arising
out of the actual, alleged or threatened
discharge, dispersal, seepage, migration,
release or escape of "pollutants":
(a) At or from any premises, site or
location which is or was at any time
owned or occupied by, or rented or
loaned to. any insured. However, this
subparagraph does not apply to:
(2) The furnishing of alcoholic beverages to a (i) "Bodilyu
injury"
J rY"
person under the legal drinking age or building and
under the influence of alcohol; or fumes, vapor
or originating
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Includes copyrighted material of Insurance Services Office, Inc, wilt: its permission
if sustained within a
caused by smoke,
or soot produced by
from equipment that
CG T1 ail 0219
is used to heat, cool or dehumidify
the building, or produced by or
originating from equipment that is
used to heat water for personal
use by the building's occupants or
their guests;
(ii) "Bodily injury„ or "property
damage" for which you may be
held liable, if you are a contractor
and the owner or lessee of such
premises, site or location has been
added to your policy as an
additional insured with respect to
your ongoing operations performed
for that additional insured at that
premises, site or location and such
premises, site or location is not
and never was owned or occupied
by, or rented or loaned to, any
insured, other than that additional
insured; or
(iii) "Bodily injury„ or "property
damage" arising out of heat,
smoke or fumes from a "hostile
fire'
(b) At or from any premises, site or
location which is or was at any time
used by or for any insured or others for
the handling, storage, disposal,
processing or treatment of waste;
(c) If such "pollutants" are or were at any
time transported, handled, stored,
treated, disposed of, or processed as
waste by or for:
0) Any insured, or
(ii) Any person or organization for
whom you may be legally
responsible;
(d) At or from any premises. site or
location on which any insured or any
contractors or subcontractors working
directly or indirectly on any insured's
behalf are performing operations if the
"pollutants" are brought on or to the
premises, site or location in connection
with such operations by such insured,
contractor or subcontractor. However,
this subparagraph does not apply to:
(I) "Bodily injury" or "property
damage" arising out of the escape
of fuels, lubricants or other
operating fluids which are needed
COMMERCIAL GENERAL LIABILITY
to perform the normal electrical,
hydraulic or mechanical functions
necessary for the operation of
"mobile equipment" or its parts, if
such fuels, lubricants or other
operating fluids escape from a
vehicle part designed to hold, store
or receive them. This exception
does not apply if the "bodily injury"
or "property damage" arises out of
the intentional discharge, dispersal
or release of the fuels, lubricants
or other operating fluids, or if such
fuels, lubricants or other operating
fluids are brought on or to the
premises, site or location with the
intent that they be discharged,
dispersed or released as part of
the operations being performed by
such insured, contractor or
subcontractor;
(il) "Bodily injury„ or "property
damage" sustained within a
building and caused by the release
of gases, fumes or vapors from
materials brought into that building
in connection with operations being
performed by you or on your behalf
by a contractor or subcontractor; or
(iii) "Bodily injury„ or "property
damage" arising out of heat,
smoke or fumes from a "hostile
fire`: or
(e) At or from any premises, site or
location on which any insured or any
contractors or subcontractors working
directly or indirectly on any insured's
behalf are or were at any time
performing operations to test for,
monitor, clean up, remove, contain,
treat, detoxify or neutralize, or in any
way respond to, or assess the effects
of, „pollutants".
(2) Any loss, cost or expense arising out of
any:
(a) Request, demand, order or statutory or
regulatory requirement that any insured
or others test for, monitor, clean up,
remove, contain, treat, detoxify or
neutralize, or in any way respond to, or
assess the effects of, "pollutants", or
CG T1 00 0219 0 2017 The Travelers Indemnity Company All rights reserved. Page 3 of 21
Includes copyrighted material of Insurance Services Office, Inc. with its permission
COMMERCIAL GENERAL LIABILITY
(b) Claim or suit by or on behalf of any
(b) The operation of any of the machinery
governmental authority or any other
or equipment listed in Paragraph f.(2)
person or organization because of
or f.(3) of the definition of "mobile
testing for, monitoring, cleaning up,
equipment"; or
removing, containing, treating,
detoxifying or neutralizing, or in any
(6) An aircraft that is:
way responding to, or assessing the
(a) Chartered with a pilot to any insured,
effects of, "pollutants".
(b) Not owned by any insured; and
g. Aircraft, Auto Or Watercraft
(c) Not being used to car ryany person or
"Bodily injury" or "property damage" arising out
property for a charge.
of the ownership, maintenance, use or
entrustment to others of any aircraft, "auto" or
h. Mobile Equipment
watercraft owned or operated by or rented or
"Bodily injury" or "property damage" arising out
loaned to any insured. Use includes operation
of:
and "loading or unloading".
(1) The transportation of "mobile equipment"
This exclusion applies even if the claims
by an "auto" owned or operated by or
against any insured allege negligence or other
rented or loaned to any insured; or
wrongdoing in the supervision, hiring,
employment, training or monitoring of others by
(2) The use of "mobile equipment" in, or while
that insured, if the "occurrence" which caused
in practice for, or while being prepared for,
the "bodily injury" or "property damage" involved
any prearranged racing, speed, demolition,
the ownership, maintenance, use or
or stunting activity
entrustment to others of any aircraft, "auto" or
1. War
watercraft that is owned or operated by or
"Bodily injury" or "property damage" arising out
rented or loaned to any insured.
of:
This exclusion does not apply to:
(1) War, including undeclared or civil war;
(1) A watercraft while ashore on premises you
(2) Warlike action by a military force, including
own or rent;
action in hindering or defending against an
(2) A watercraft you do not own that is:
actual or expected attack, by any
(a) 50 feet long or less; and
government, sovereign or other authority
using military personnel or other agents; or
(b) Not being used to carry any person or
(3) Insurrection, rebellion, revolution, usurped
property for a charge;
power, or action taken by governmental
(3) Parking an "auto" on, or on the ways next
authority in hindering or defending against
to, premises you own or rent, provided the
any of these..
"auto" is not owned by or rented or loaned
j, Damage To Property
to you or the insured;
"Property damage" to:
(4) Liability assumed under any "insured
contract" for the ownership, maintenance or
(1) Property you own, rent, or occupy,
use of aircraft or watercraft;
including any costs or expenses incurred
by you. or any other person, organization or
(5) "Bodily injury" or "property damage" arising
entity, for repair, replacement,
out of:
enhancement, restoration or maintenance
(a) The operation of machinery or
of such property for any reason, including
equipment that is attached to. or part
prevention of injury to a person or damage
of, a land vehicle that would qualify as
to anothers property;
"mobile equipment" under the definition
(2) Premises you sell, give away or abandon, if
of "mobile equipment" if such land
the "property damage" arises out of any
vehicle were not subject to a
part of those premises;
compulsory or financial responsibility
law, or other motor vehicle insurance
(3) Property loaned to you;
law, where it is licensed or principally
(4) Personal property in the care, custody or
garaged: or
control of the insured;
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COMMERCIAL GENERAL LIABILITY
(5) That particular part of real property on
accidental physical injury to "your product" or
which you or any contractors or
"your work" after it has been put to its intended
subcontractors working directly or indirectly
use.
on your behalf are performing operations, if
the `property damage" arises out of those
n. Recall Of Products, Work Or Impaired
operations: or
property
(6) That particular part of any property that
Damages claimed for any loss, cost or expense
must be restored, repaired or replaced
incurred by you or others for the loss of use,
because "your work was incorrectly
withdrawal, recall, inspection, repair,
performed on it.
replacement, adjustment. removal or disposal
of:
Paragraphs (1), (3) and (4) of this exclusion do
not apply to "premises damage". A separate
limit of insurance applies to "premises damage"
as described in Paragraph 6. of Section III —
Limits Of insurance.
Paragraph (2) of this exclusion does not apply if
the premises are "your work" and were never
occupied, rented or held for rental by you.
Paragraphs (3), (4), (5) and (6) of this
exclusion do not apply to liability assumed
under a sidetrack agreement.
Paragraph (6) of this exclusion does not apply
to "property damage" included in the "products -
completed operations hazard".
k. Damage To Your Product
"Property damage" to "your product" arising out
of it or any part of it.
1. Damage To Your Work
"Property damage" to "your work" arising out of
it or any part of it and included in the "products -
completed operations hazard".
This exclusion does not apply if the damaged
work or the work out of which the damage
arises was performed on your behalf by a
subcontractor.
m. Damage To Impaired Property Or Property
Not Physically Injured
"Property damage" to "impaired property" or
property that has not been physically injured,
arising out of:
(1) A defect, deficiency, inadequacy or
dangerous condition in "your product" or
"your work": or
(2) A delay or failure by you or anyone acting
on your behalf to perform a contract or
agreement in accordance with its terms_
This exclusion does not apply to the loss of use
of other property arising out of sudden and
(1) "Your product";
(2) "Your work"; or
(3) "Impaired property",
if such product, work, or property is withdrawn
or recalled from the market or from use by any
person or organization because of a known or
suspected defect, deficiency, inadequacy or
dangerous condition in it.
o. Personal And Advertising Injury
"Bodily injury" arising out of "personal and
advertising injury".
p. Electronic Data
Damages arising out of the loss of, loss of use
of, damage to, corruption of, inability to access,
or inability to manipulate "electronic data".
However, this exclusion does not apply to
liability for damages because of "bodily injury".
q. Unsolicited Communication
"Bodily injury" or "property damage' arising out
of any actual or alleged violation of any law that
restricts or prohibits the sending, transmitting
or distributing of "unsolicited communication".
r. Access Or Disclosure Of Conldfenital Or
Personal Information
"Bodily injury„ or "property damage" arising out
of any access to or disclosure of any person's
or organization's confidential or personal
information.
s. Asbestos
(1) "Bodily injury" or "property damage" arising
out of the actual or alleged presence or
actual, alleged or threatened dispersal of
asbestos, asbestos fibers or products
containing asbestos, provided that the
"bodily injury" or "property damage" is
caused or contributed to by the hazardous
properties of asbestos.
CG T1 40 0219 ® 2017 The Travelers Indemnity Company. AN rights reserved Pane 5 of 21
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COMMERCIAL GENERAL LIABILITY
(2) 'Bodily injury" or "property damage" arising
out of the actual or alleged presence or
actual, alleged or threatened dispersal of
any solid, liquid, gaseous or thermal irritant
or contaminant, including smoke, vapors,
soot, fumes, acids, alkalis, chemicals and
waste, and that are part of any claim or
"suit" which also alleges any "bodily injury"
or "property damage" described in
Paragraph (1) above,
(3) Any loss, cost or expense arising out of
any:
(a) Request, demand, order or statutory or
regulatory requirement that any insured
or others test for, monitor, clean up,
remove, contain, treat, detoxify or
neutralize, or in any way respond to, or
assess the effects of, asbestos,
asbestos fibers or products containing
asbestos; or
(b) Claim or suit by or on behalf of any
governmental authority or any other
person or organization because of
testing for, monitoring, cleaning up,
removing, containing, treating,
detoxifying or neutralizing, or in any
way responding to, or assessing the
effects of, asbestos, asbestos fibers or
products containing asbestos.
t. Employment -Related Practices
"Bodily injury„ to:
(1) A person arising out of any:
(a) Refusal to employ that person;
(b) Termination of that person's
employment; or
(c) Employment -related practice, policy,
act or omission, such as coercion,
demotion, evaluation, reassignment,
discipline, failure to promote or
advance, harassment, humiliation,
discrimination, libel, slander, violation
of the person's right of privacy,
malicious prosecution or false arrest,
detention or imprisonment applied to or
directed at that person, regardless of
whether such practice, policy, act or
omission occurs, is applied or is
committed before, during or after the
time of that person's employment; or
(2) The spouse, child, parent, brother or sister
of that person as a consequence of "bodily
injury" to that person at whom any of the
employment -related practices described in
Paragraph (a), (b),or (c) above is directed.
This exclusion applies whether the insured may
be liable as an employer or in any other capacity
and to any obligation to share damages with or
repay someone else who must pay damages
because of the "bodily injury".
Exclusions c. through n. do not apply to "premises
damage". A separate limit of insurance applies to
"premises damage" as described in Paragraph 6. of
Section III — Limits Of Insurance.
COVERAGE B. — PERSONAL AND ADVERTISING
INJURY LIABILITY
1. Insuring Agreement
a. We will pay those sums that the insured
becomes legally obligated to pay as damages
because of "personal and advertising injury" to
which this insurance applies. We will have the
right and duty to defend the insured against any
"suit" seeking those damages. However, we will
have no duty to defend the insured against any
"suit' seeking damages for "personal and
advertising injury" to which this insurance does
not apply, We may, at our discretion,
investigate any offense and settle any claim or
"suit" that may result. But:
(1) The amount we will pay for damages is
limited as described in Section III — Limits
Of Insurance; and
(2) Our right and duty to defend end when we
have used up the applicable limit of
insurance in the payment of judgments or
settlements under Coverages A or B or
medical expenses under Coverage C.
No other obligation or liability to pay sums or
perform acts or services is covered unless
explicitly provided for under Supplementary
Payments.
b. This insurance applies to "personal and
advertising injury" caused by an offense arising
out of your business but only if the offense was
committed in the "coverage territory" during the
policy period.
2. Exclusions
This insurance does not apply to:
a. Knowing Violation Of Rights Of Another
"Personal and advertising injury" caused by or
at the direction of the insured with the
knowledge that the act would violate the rights
of another and would inflict "personal and
advertising injury"
Page 6 of 21 02017 The Travelers Indemnity Company Ail rights reserved. CG T7 00 0219
Includes copyrighted material of Insurance Services Office. Inc. with its permission
This exclusion does not apply to "personal
injury" caused by malicious prosecution.
b. Material Published With Knowledge Of
Falsity
"Personal and advertising injury" arising out of
oral or written publication, including publication
by electronic means, of material, if done by or at
the direction of the insured with knowledge of
its falsity.
c. Material Published Or Used Prior To Policy
Period
(1) "Personal and advertising injury" arising out
of oral or written publication, including
publication by electronic means, of material
whose first publication took place before
the beginning of the policy period; or
(2) "Advertising injury" arising out of
infringement of copyright, "title" or "slogan"
in your "advertisement" whose first
infringement in your "advertisement" was
committed before the beginning of the
policy period.
d. Criminal Acts
"Personal and advertising injury" arising out of a
criminal act committed by or at the direction of
the insured.
e. Contractual Liability
"Personal and advertising injury" for which the
insured has assumed liability in a contract or
agreement. This exclusion does not apply to
liability for damages:
(1) That the insured would have in the absence
of the contract or agreement: or
(2) Because of "personal injury" assumed by
you in a contract or agreement that is an
"insured contract", provided that the
"personal injury" is caused by an offense
committed subsequent to the execution of
the contract or agreement. Solely for the
purposes of liability assumed by you in an
"insured contract", reasonable attorneys'
fees and necessary litigation expenses
incurred by or for a party other than an
insured will be deemed to be damages
because of "personal injury", provided that:
(a) Liability to such party for, or for the
cost of, that party's defense has also
been assumed by you in the same
"insured contract"; and
COMMERCIAL. GENERAL. LIABILITY
against a civil or alternative dispute
resolution proceeding in which
damages to which this insurance
applies are alleged.
f. Breach Of Contract
"Advertising injury" arising out of a breach of
contract.
g. Quality Or Performance Of Goods - Failure
To Conform To Statements
"Advertising injury" arising out of the failure of
goods, products or services to conform with
any statement of quality or performance made
in your "advertisement".
h. Wrong Description Of Prices
"Advertising injury" arising out of the wrong
description of the price of goods, products or
services stated in your "advertisement".
Intellectual Property
"Personal and advertising injury" arising out of
any actual or alleged infringement or violation of
any of the following rights or laws. or any other
"personal and advertising injury" alleged in any
claim or "suit" that also alleges any such
infringement or violation:
(1) Copyright;
(2) Patent;
(3) Trade dress;
(4) Trade name;
(5) Trademark;
(6) Trade secret; or
(7) Other intellectual property rights or laws.
This exclusion does not apply to:
(1) "Advertising injury" arising out of any actual
or alleged infringement or violation of
anothers copyright, "title" or "slogan" in
your "advertisement"; or
(2) Any other "personal and advertising injury"
alleged in any claim or "suit" that also
alleges any such infringement or violation
of anther's copyright, "title" or "slogan" in
your "advertisement".
j. Insureds In Media And Internet Type
Businesses
"Personal and advertising injury" caused by an
offense committed by an insured whose
business is:
(b) Such attorneys' fees and litigation (1) Advertising, "broadcasting" or publishing;
expenses are for defense of that party
CG T1 tat? 02 19 ® 2017 The Travelers Indemnity Company. All rights reserved. Page 7 of 21
Includes copyrighted material of insurance Services Office, Inc. with its permission.
COMMERCIAL GENERAL LIABILITY
(2) Designing or determining content of
websites for others; or
(3) An Internet search, access, content or
service provider.
However, this exclusion does not apply to
Paragraphs a.(1), (2) and (3) of the definition of
"personal injury".
For the purposes of this exclusion:
(1) Creating and producing correspondence
written in the conduct of your business,
bulletins, financial or annual reports, or
newsletters about your goods, products or
services will not be considered the
business of publishing; and
(2) The placing of frames, borders or links, or
advertising, for you or others anywhere on
the Internet will not, by itself, be considered
the business of advertising, "broadcasting"
or publishing.
k. Electronic Chatrooms Or Bulletin Boards
"Personal and advertising injury" arising out of
an electronic chatroom or bulletin board the
insured hosts or owns. or over which the
insured exercises control.
I. Unauthorized Use Of Another's Name Or
Product
"Personal and advertising injury" arising out of
the unauthorized use of another's name or
product in your e-mail address, domain name or
metatag, or any other similar tactics to mislead
another's potential customers.
M. Pollution
"Personal and advertising injury" arising out of
the actual, alleged or threatened discharge,
dispersal, seepage, migration, release or
escape of "pollutants" at any time.
n. Pollution -Related
Any loss, cost or expense arising out of any:
(1) Request, demand, order or statutory or
regulatory requirement that any insured or
others test for, monitor, clean up, remove,
contain, treat, detoxify or neutralize, or in
any way respond to, or assess the effects
of. "pollutants"; or
neutralizing, or in any way responding to,or
assessing the effects of, "pollutants".
o. War
"Personal and advertising injury" arising out of:
(1) War, including undeclared or civil war;
(2) Warlike action by a military force, including
action in hindering or defending against an
actual or expected attack, by any
government, sovereign or other authority
using military personnel or other agents; or
(3) Insurrection, rebellion, revolution, usurped
power, or action taken by governmental
authority in hindering or defending against
any of these.
p. Unsolicited Communication
"Personal and advertising injury" arising out of
any actual or alleged violation of any law that
restricts or prohibits the sending, transmitting
or distributing of "unsolicited communication".
q. Access Or Disclosure Of Confidenital Or
Personal Information
"Personal and advertising injury" arising out of
any access to or disclosure of any person's or
organization's confidential or personal
information.
r. Asbestos
(1) "Personal and advertising injury" arising out
of the actual or alleged presence or actual,
alleged or threatened dispersal of asbestos,
asbestos fibers or products containing
asbestos, provided that the "personal and
advertising injury" is caused or contributed
to by the hazardous properties of asbestos.
(2) "Personal and advertising injury" arising out
of the actual or alleged presence or actual,
alleged or threatened dispersal of any solid,
liquid, gaseous or thermal irritant or
contaminant, including smoke, vapors,
soot, fumes, acids, alkalis, chemicals and
waste, and that are part of any claim or
"suit" which also alleges any "personal and
advertising injury" described in Paragraph
(1) above.
(3) Any loss, cost or expense arising out of
any:
(2) Claim or suit by or on behalf of any (a) Request, demand, order or statutory or
governmental authority or any other person regulatory requirement that any insured
or organization because of testing for, or others test for, monitor, clean up,
monitoring, cleaning up, removing, remove, contain, treat, detoxify or
containing, treating, detoxifying or neutralize, or in any way respond to, or
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assess the effects of, asbestos,
asbestos fibers or products containing
asbestos; or
(b) Claim or suit by or on behalf of any
governmental authority or any other
person or organization because of
testing for, monitoring, cleaning up,
removing, containing, treating,
detoxifying or neutralizing, or in any
way responding to, or assessing the
effects of, asbestos, asbestos fibers or
products containing asbestos.
s. Employment -Related Practices
"Personal injury" to:
(1) A person arising out of any;
(a) Refusal to employ that person;
(b) Termination of that person's
employment; or
(c) Employment -related practice, policy,
act or omission, such as coercion,
demotion, evaluation, reassignment,
discipline, failure to promote or
advance, harassment, humiliation,
discrimination, libel, slander, violation
of the person's right of privacy,
malicious prosecution or false arrest,
detention or imprisonment applied to or
directed at that person, regardless of
whether such practice, policy, act or
omission occurs, is applied or is
committed before, during or after the
time of that person's employment; or
COMMERCIAL GENERAL LIABILITY
(3) Because of your operations;
provided that;
(a) The accident takes place in the "coverage
territory" and during the policy period;
(b) The expenses are incurred and reported to
us within one year of the date of the
accident; and
(c) The injured person submits to examination,
at our expense, by physicians of our choice
as often as we reasonably require.
b. We will make these payments regardless of
fault. These payments will not exceed the
applicable limit of insurance. We will pay
reasonable expenses for;
(1) First aid administered at the time of an
accident;
(2) Necessary medical, surgical, X-ray and
dental services, including prosthetic
devices, and
(3) Necessary ambulance, hospital,
professional nursing and funeral services.
2. Exclusions
We will not pay expenses for "bodily injury":
a. Any Insured
To any insured, except "volunteer workers".
b. Hired Person
C.
(2) The spouse, child, parent, brother or sister
of that person as a consequence of
"personal injury" to that person at whom
any of the employment -related practices d,
described in Paragraph (a), (b), or (c)
above is directed.
This exclusion applies whether the insured may
be liable as an employer or in any other capacity
and to any obligation to share damages with or
repay someone else who must pay damages
because of the "personal injury".
COVERAGE C — MEDICAL PAYMENTS
1. Insuring Agreement
a. We will pay medical expenses as described
below for "bodily injury" caused by an accident:
(1) On premises you own or rent;
(2) On ways next to premises you own or rent;
or
To a person hired to do work for or on behalf of
any insured or a tenant of any insured.
Injury On Normally Occupied Premises
To a person injured on that part of premises
you own or rent that the person normally
occupies.
Workers' Compensation And Similar Laws
To a person, whether or not an "employee" of
any insured, if benefits for the "bodily injury" are
payable or must be provided under a workers'
compensation or disability benefits law or a
similar law.
e. Athletics Activities
To a person injured while practicing, instructing
or participating in any physical exercises or
games, sports, or athletic contests.
f. Products -Completed Operations Hazard
Included within the "products -completed
operations hazard".
g. Coverage A Exclusions
Excluded under Coverage A.
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COMMERCIAL GENERAL LIABILITY
SUPPLEMENTARY PAYMENTS
1. We will pay, with respect to any claim we
investigate or settle, or any "suit" against an insured
we defend:
a. All expenses we incur.
b. Up to $2.500 for the cost of bail bonds required
because of accidents or traffic law violations
arising out of the use of any vehicle to which
the Bodily Injury Liability Coverage applies. We
do not have to furnish these bonds.
c. The cost of bonds to release attachments, but
only for bond amounts within the applicable limit
of insurance. We do not have to furnish these
bonds.
d. All reasonable expenses incurred by the
insured at our request to assist us in the
investigation or defense of the claim or "suit",
including actual loss of earnings up to $500 a
day because of time off from work.
e. All court costs taxed against the insured in the
"suit". However, these payments do not include
attorneys' fees or attorneys' expenses taxed
against the insured.
f. Prejudgment interest awarded against the
insured on that part of the judgment we pay. If
we make an offer to pay the applicable limit of
insurance, we will not pay any prejudgment
interest based on that period of time after the
offer.
g. All interest on the full amount of any judgment
that accrues after entry of the judgment and
before we have paid, offered to pay, or
deposited in court the part of the judgment that
is within the applicable limit of insurance.
These payments will not reduce the limits of
insurance.
2. If we defend an insured against a "suit" and an
indemnitee of the insured is also named as a party
to the "suit", we will defend that indemnitee if all of
the following conditions are met:
a. The "suit" against the indemnitee seeks
damages for which the insured has assumed
the liability of the indemnitee in a contract or
agreement that is an "insured contract:
b. This insurance applies to such liability assumed
by the insured;
c. The obligation to defend, or the cost of the
defense of, that indemnitee, has also been
assumed by the insured in the same "insured
contract"
d. The allegations in the "suit" and the information
we know about the "occurrence" or offense are
such that no conflict appears to exist between
the interests of the insured and the interests of
the indemnitee;
e. The indemnitee and the insured ask us to
conduct and control the defense of that
indemnitee against such "suit" and agree that
we can assign the same counsel to defend the
insured and the indemnitee; and
f. The indemnitee:
(1) Agrees in writing to:
(a) Cooperate with us in the investigation,
settlement or defense of the "suit";
(b) Immediately send us copies of any
demands, notices, summonses or legal
papers received in connection with the
"suit";
(c) Notify any other insurer whose
coverage is available to the indemnitee;
and
(d) Cooperate with us with respect to
coordinating other applicable insurance
available to the indemnitee; and
(2) Provides us with written authorization to:
(a) Obtain records and other information
related to the "suit'; and
(b) Conduct and control the defense of the
indemnitee in such "suit".
So long as the above conditions are met, attorneys'
fees incurred by us in the defense of that
indemnitee, necessary litigation expenses incurred
by us and necessary litigation expenses incurred by
the indemnitee at our request will be paid as
Supplementary Payments. Notwithstanding the
provisions of Paragraph 2.b.(2) of Section I --
Coverages - Coverage A - Bodily Injury And
Property Damage Liability or Paragraph 2.e. of
Section I - Coverages - Coverage B -- Personal
And Advertising Injury Liability, such payments will
not be deemed to be damages for "bodily injury„
"property damage" or "personal injury", and will not
reduce the limits of insurance.
Our obligation to defend an insured's indemnitee
and to pay for attorneys' fees and necessary
litigation expenses as Supplementary Payments
ends when:
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a. We have used up the applicable limit of
insurance in the payment of judgments,
settlements or medical expenses; or
b. The conditions set forth above, or the terms of
the agreement described in Paragraph f. above,
are no longer met.
SECTION II —WHO IS AN INSURED
If you are designated in the Declarations as:
a. An individual, you and your spouse are
insureds, but only with respect to the conduct
of a business of which you are the sole owner.
b. A partnership or joint venture, you are an
insured. Your members, your partners, and
their spouses are also insureds, but only with
respect to the conduct of your business.
c. A limited liability company, you are an insured.
Your members are also insureds, but only with
respect to the conduct of your business. Your
managers are insureds, but only with respect to
their duties as your managers.
d. An organization other than a partnership. joint
venture or limited liability company, you are an
insured, Your "executive officers" and directors
are insureds, but only with respect to their
duties as your officers or directors. Your
stockholders are also insureds, but only with
respect to their liability as stockholders.
e. A trust, you are an insured. Your trustees are
also insureds, but only with respect to their
duties as trustees.
2. Each of the following is also an insured:
a. Your "volunteer workers" only while performing
duties related to the conduct of your business,
or your "employees", other than either your
"executive officers" (if you are an organization
other than a partnership, joint venture or limited
liability company) or your managers (if you are a
limited liability company), but only for acts
within the scope of their employment by you or
while performing duties related to the conduct
of your business. However, none of these
"employees" or "volunteer workers" are
insureds for:
(1) "Bodily injury" or "personal injury":
(a) To you, to your partners or members (if
you are a partnership or joint venture),
to your members (if you are a limited
liability company), to a co -"employee"
while in the course of his or her
employment or performing duties
related to the conduct of your
business, or to your other "volunteer
COMMERCIAL GENERAL LIABILITY
workers" while performing duties
related to the conduct of your
business;
(b) To the spouse, child, parent, brother or
sister of that co -"employee" or
"volunteer worker" as a consequence
of Paragraph (1)(a) above;
(c) For which there is any obligation to
share damages with or repay someone
else who must pay damages because
of the injury described in Paragraph
(1)(a) or W above; or
(d) Arising out of his or her providing or
failing to provide professional health
care services.
Unless you are in the business or
occupation of providing professional health
care services, Paragraphs (1)(a), (b), (c)
and (d) above do not apply to "bodily injury„
arising out of providing or failing to provide
first aid or "Good Samaritan services" by
any of your "employees" or "volunteer
workers", other than an employed or
volunteer doctor. Any such employees" or
"volunteer workers" providing or failing to
provide 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 duties related to the conduct of
your business,
(2) "Property damage" to property;
(a) Owned, occupied or used by;
(b) Rented to. in the care, custody or
control of, or over which physical
control is being exercised for any
purpose by:
you, any of your "employees", "volunteer
workers", any partner or member (if you are
a partnership or joint venture), or any
member (if you are a limited liability
company).
b. Any person (other than your "employee" or
"volunteer worker"), or any organization, while
acting as your real estate manager.
c. Any person or organization having proper
temporary custody of your property if you die,
but only:
(1) With respect to liability arising out of the
maintenance or use of that property; and
(2) Until your legal representative has been
appointed.
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COMMERCIAL GENERAL LIABILITY
d. Your legal representative if you die, but only
with respect to duties as such. That
representative will have all your rights and
duties under this Coverage Part.
e. Any person or organization that, with your
express or implied consent, either uses or is
responsible for the use of a watercraft that you
do not own that is:
(1) SO feet long or less; and
(2) Not being used to carry any person or
property for a charge.
3. Any organization you newly acquire or form, other
than a partnership, joint venture or limited liability
company, and of which you are the sole owner or in
which you maintain an ownership interest of more
than 50%, will qualify as a Named Insured if there is
no other similar insurance available to that
organization. However.
a. Coverage under this provision is afforded only
until the 180th day after you acquire or form the
organization or the end of the policy period,
whichever is earlier; S.
b. Coverage A does not apply to "bodily injury" or
"property damage" that occurred before you
acquired or formed the organization; and
c. Coverage B does not apply to "personal and
advertising injury' arising out of an offense
committed before you acquired or formed the
organization.
For the purposes of Paragraph 1. of Section II -
Who Is An Insured, each such organization will be
deemed to be designated in the Declarations as:
b. Arises out of the ownership, maintenance or
use of that part of any premises leased to you.
The insurance provided to such premises owner,
manager or lessor is subject to the following
provisions:
a. The limits of insurance provided to such
premises owner, manager or lessor will be the
minimum limits that you agreed to provide in the
written contract or agreement, or the limits
shown in the Declarations, whichever are less.
b. The insurance provided to such premises
owner, manager or lessor does not apply to:
(1) Any "bodily injury" or "property damage„
that occurs, or "personal and advertising
injury" caused by an offense that is
committed, after you cease to be a tenant in
that premises; or
(2) Structural alterations, new construction or
demolition operations performed by or on
behalf of such premises owner, manager or
lessor.
Any person or organization that is an equipment
lessor and that you have agreed in a written contract
or agreement to include as an additional insured on
this Coverage Part is an insured, but only with
respect to liability for "bodily injury" "property
damage", or "personal and advertising injury" that:
a. Is "bodily injury" or "property damage" that
occurs, or is "personal and advertising injury"
caused by an offense that is committed,
subsequent to the signing of that contract or
agreement; and
b. Is caused, in whole or in part, by your acts or
a. An organization, other than a partnership, joint omissions in the maintenance, operation or use
venture or limited liability company; or of equipment leased to you by such equipment
b. A trust; lessor.
as indicated in its name or the documents that The insurance provided to such equipment lessor is
govern its structure.
subject to the following provisions:
4. Any person or organization that is a premises
owner, manager or lessor and that you have agreed
in a written contract or agreement to include as an
additional insured on this Coverage Part is an
insured, but only with respect to liability for "bodily
injury", "property damage" or "personal and
advertising injury" that:
a. Is "bodily injury" or "property damage" that
occurs. or is "personal and advertising injury"
caused by an offense that is committed,
subsequent to the signing of that contract or
agreement; and
a. The limits of insurance provided to such
equipment lessor will be the minimum limits that
you agreed to provide in the written contract or
agreement, or the limits shown in the
Declarations, whichever are less.
b. The insurance provided to such equipment
lessor does not apply to any "bodily injury" or
"property damage" that occurs, or "personal
and advertising injury" caused by an offense
that is committed, after the equipment lease
expires.
No person or organization is an insured with respect to
the conduct of any current or past partnership, joint
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venture or limited liability company that is not shown as
a Named Insured in the Declarations. This paragraph
does not apply to any such partnership, joint venture or
limited liability company that otherwise qualifies as an
insured under Section 11-- Who 1s An Insured.
SECTION III — LIMITS OF INSURANCE
1. The Limits of insurance shown in the Declarations
and the rules below fix the most we will pay
regardless of the number of:
a. Insureds;
b. Claims made or "suits" brought; or
c. Persons or organizations making claims or
bringing "suits".
2. The General Aggregate limit is the most we will pay
for the sum of:
a. Medical expenses under Coverage C;
b. Damages under Coverage A, except damages
because of "bodily injury" or "property damage"
included in the "products -completed operations
hazard",and
c. Damages under Coverage B.
3. The Products -Completed Operations Aggregate
Limit is the most we will pay under Coverage A for
damages because of "bodily injury" and "property
damage" included in the "products -completed
operations hazard".
4. Subject to Paragraph 2. above, the Personal And
Advertising Injury Limit is the most we will pay
under Coverage B for the sum of all damages
because of all "personal injury" and "advertising
injury" sustained by any one person or organization.
5. Subject to Paragraph 2. or 3, above, whichever
applies, the Each Occurrence Limit is the most we
will pay for the sum of:
a. Damages under Coverage A; and
b. Medical expenses under Coverage C;
because of all "bodily injury" and "property damage"
arising out of any one "occurrence".
For the purposes of determining the applicable
Each Occurrence Limit, all related acts or
omissions committed in providing or failing to
provide first aid or "Good Samaritan services" to
any one person will be deemed to be one
"occurrence".
6. Subject to Paragraph S. above, the Damage To
Premises Rented To You Limit is the most we will
pay under Coverage A for damages because of
"premises damage" to any one premises. The
Damage To Premises Rented To You Limit will be:
COMMERCIAL GENERAL LIABILITY
a. The amount shown for the Damage To
Premises Rented To You Limit in the
Declarations of this Coverage Part; or
b. $300,000 if no amount is shown for the
Damage To Premises Rented To You Limit in
the Declarations of this Coverage Part.
7. Subject to Paragraph S. above, the Medical
Expense Limit is the most we will pay under
Coverage C for all medical expenses because of
"bodily injury" sustained by any one person.
The Limits of Insurance of this Coverage Part apply
separately to each consecutive annual period and to any
remaining period of less than 12 months, starting with
the beginning of the policy period shown in the
Declarations, unless the policy period is extended after
issuance for an additional period of less than 12
months. In that case, the additional period will be
deemed part of the last preceding period for purposes of
determining the Limits of Insurance.
SECTION IV -- COMMERCIAL GENERAL LIABILITY
CONDITIONS
1. Bankruptcy
Bankruptcy or insolvency of the insured or of the
insured's estate will not relieve us of our obligations
under this Coverage Part,
2. Duties In The Event Of occurrence, Offense,
Claim Or Suit
a. You must see to it that we are notified as soon
as practicable of an "occurrence" or an offense
which may result in a claim. To the extent
possible, notice should include:
(1) How, when and where the "occurrence" or
offense took place:
(2) The names and addresses of any injured
persons and witnesses; and
(3) The nature and location of any injury or
damage arising out of the "occurrence" or
offense.
b. If a claim is made or "suit" is brought against
any insured, you must:
(1) Immediately record the specifics of the
claim or "suit" and the date received; and
(2) Notify us as soon as practicable.
You must see to it that we receive written notice
of the claim or "suit" as soon as practicable.
c. You and any other involved insured must:
(1) Immediately send us copies of any
demands, notices, summonses or legal
papers received in connection with the
claim or "suit";
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COMMERCIAL GENERAL LIABILITY
(2) Authorize us to obtain 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
enforcement of any right against any
person or organization which may be liable
to the insured because of injury or damage
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, other than for
first aid, without our consent.
e. The following provisions apply to Paragraph a.
above, but only for purposes of the insurance
provided under this Coverage Part to you or any
insured listed in Paragraph 1. or 2. of Section tl
— Who Is An Insured:
(1) Notice to us of such "occurrence" or
offense must be given as soon as
practicable only after the "occurrence" or
offense is known to you (if you are an
individual), any of your partners or
members who is an individual (if you are a
partnership or joint venture), any of your
managers who is an individual (if you are a
limited liability company), any of your
"executive officers" or directors (if you are
an organization other than a partnership,
joint venture, or limited liability company),
any of your trustees who is an individual (if
you are a trust) or any "employee"
authorized by you to give notice of an
"occurrence" or offense.
(2) If you are a partnership, joint venture,
limited liability company or trust, and none
of your partners, joint venture members,
managers or trustees are individuals, notice
to us of such "occurrence" or offense must
be given as soon as practicable only after
the "occurrence" or offense is known by:
(a) Any individual who is:
(i) A partner or member of any
partnership or joint venture;
(h) A manager of any limited liability
company;
(iii) An executive officer or director of
any other organization; or
(Iv) A trustee of any trust;
that is your partner, joint venture
member, manager or trustee; or
(b) Any employee authorized by such
partnership, joint venture, limited
liability company, trust or other
organization to give notice of an
„occurrence" or offense.
(3) Notice to us of such "occurrence" or
offense will be deemed to be given as soon
as practicable if it is given in good faith as
soon as practicable to your workers'
compensation insurer. This applies only if
you subsequently give notice to us of the
"occurrence" or offense as soon as
practicable after any of the persons
described in Paragraph e.(1) or (2) above
discovers that the "occurrence" or offense
may result in sums to which the insurance
provided under this Coverage Part may
apply.
However, if this policy includes an endorsement
that provides limited coverage for "bodily injury"
or "property damage" or pollution costs arising
out of a discharge, release or escape of
"pollutants" which contains a requirement that
the discharge, release or escape of "pollutants"
must be reported to us within a specific number
of days after its abrupt commencement, this
Paragraph e. does not affect that requirement.
3. Legal Action Against Us
No person or organization has a right under this
Coverage Part:
a. To join us as a party or otherwise bring us into
a "suit" asking for damages from an insured; or
b. To sue us on this Coverage Part unless all of
its terms have been fully complied with.
A person or organization may sue us to recover on
an agreed settlement or on a final judgment against
an insured; but we will not be liable for damages
that are not payable under the terms of this
Coverage Part or that are in excess of the
applicable limit of insurance. An agreed settlement
means a settlement and release of liability signed by
us, the insured, and the claimant or the claimant's
legal representative.
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4. Other Insurance
If valid and collectible other insurance is available to
the insured for a loss we cover under Coverages A
or B of this Coverage Part, our obligations are:
limited as described in Paragraphs a. and b. below.
As used anywhere in this Coverage Part, other
insurance means insurance, or the funding of
losses, that is provided by, through or on behalf of:
(i) Another insurance company;
(ii) Us or any of our affiliated insurance companies,
except when the Non cumulation of Each
Occurrence Limit provision of Paragraph 5. of
Section III — Limits Of Insurance or the Non
cumulation of Personal and Advertising Injury
Limit provision of Paragraph 4. of Section Ill' —
Limits of Insurance applies because the
Amendment — Non Cumulation Of Each
Occurrence Limit Of Liability And Non
Cumulation Of Personal And Advertising injury
Limit endorsement is included in this policy;
(iii) Any risk retention group; or
(iv)Any self-insurance method or program, in
which case the insured will be deemed to be
the provider of other insurance.
Other insurance does not include umbrella
insurance, or excess insurance, that was bought
specifically to apply in excess of the Limits of
Insurance shown in the Declarations of this
Coverage Part.
As used anywhere in this Coverage Part, other
insurer means a provider of other insurance. As
used in Paragraph c. below, insurer means a
provider of insurance.
a. Primary Insurance
This insurance is primary except when
Paragraph b. below applies. if this insurance is
primary, our obligations are not affected unless
any of the other insurance is also primary.
Then, we will share with all that other insurance
by the method described in Paragraph c. below,
except when Paragraph d. below applies.
b. Excess Insurance
(1) This insurance is excess over:
(a) Any of the other insurance, whether
primary, excess, contingent or on any
other basis:
(I) That is Fire, Extended Coverage,
Builder's Risk, Installation Risk or
similar coverage for "your work";
COMMERCIAL GENERAL LIABILITY
(ii) That is insurance for "premises
damage";
(iii) If the loss arises out of the
maintenance or use of aircraft.
"autos" or watercraft to the extent
not subject to any exclusion in this
Coverage Part that applies to
aircraft, "autos" or watercraft;
(iv) That is insurance available to a
premises owner, manager or
lessor that qualifies as an insured
under Paragraph 4. of Section 11—
Who Is An Insured, except when
Paragraph d. below applies; or
(v) That is insurance available to an
equipment lessor that qualifies as
an insured under Paragraph S. of
Section 11 — Who Is An Insured,
except when Paragraph d. below
applies.
(b) Any of the other insurance, whether
primary, excess, contingent or on any
other basis, that is available to the
insured when the insured is an
additional insured, or is any other
insured that does not qualify as a
named insured, under such other
insurance.
(2) When this insurance is excess, we will
have no duty under Coverages A or B to
defend the insured against any "suit" if any
other insurer has a duty to defend the
insured against that "suit". If no other
insurer defends, we will undertake to do so,
but we will be entitled to the insured's rights
against all those other insurers.
(3) When this insurance is excess over other
insurance, we will pay only our share of the
amount of the loss, if any, that exceeds the
sum of:
(a) The total amount that all such other
insurance would pay for the loss in the
absence of this insurance; and
(b) The total of all deductible and self -
insured amounts under all that other
insurance.
(4) We will share the remaining loss, if any,
with any other insurance that is not
described in this Excess Insurance
provision and was not bought specifically to
apply in excess of the Limits of Insurance
shown in the declarations of this Coverage
Part,
CG T1 DO 02 19 0 2017 The Travelers Indemnity Company All rights reserved. Page 15 of 21
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COMMERCIAL GENERAL LIABILITY
c. Method Of Sharing
If all of the other insurance permits contribution
by equal shares, we will follow this method also,
Under this approach 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 insurance does not permit
contribution by equal shares, we will contribute
by limits. Under this method, each insurer's
share is based on the ratio of its applicable limit
of insurance to the total applicable limits of
insurance of all insurers,
d, Pvirnarsy And Non-Cantributory Insurance If
Required By Written Contract
If you specifically agree in a written contract or
agreement that the insurance afforded to an
insured under this Coverage Part must apply on
a primary basis, or a primary and non-
contributory basis, this insurance is primary to
other insurance that is available to such insured
which covers such insured as a named insured,
and we will not share with that other insurance,
provided that:
(1) The "bodily injury" or "property damage" for
which coverage is sought occurs, and
(2) The "personal and advertising injury„ for
which coverage is sought is caused by an
offense that is committed,
subsequent to the signing of that contract or
agreement by you.
S. Premium Audit
a. We will compute all premiums for this Coverage
Part in accordance with our rules and rates.
. Premium shorn in this Coverage Part as
advance premium is a deposit premium only. At
the close of each audit period we will compute
the earned premium for that period and send
notice to the first blamed Insured. The due date
for audit and retrospective premiums is the date
shown as the due date on the bill. if the sum of
the advance and audit premiums paid for the
policy period is greater than the earned
premium, we will return the excess to the first
Named Insured.
c, The first lamed Insured must keep records of
the information we need for premium
computation, and send us copies at such times
as we may request,
. Representations
By accepting this policy, you agree:
a. The statements in the Declarations are
accurate and complete:
b. Those statements are based upon
representations you made to us, and
c_ We have issued this policy in reliance upon
your representations,
The unintentional omission of, or unintentional error
in, any information provided by you which we relied
upon in issuing this policy will not prejudice your
rights under this insurance. However. this provision
does not affect our right to collect additional
premium or to exercise our rights of cancellation or
nonrenewal in accordance with applicable insurance
laws or regulations,
7, Separation Of Insureds
Except with respect to the Limits of Insurance, and
any rights or duties specifically assigned in this
Coverage Part to the first Named Insured, this
insurance applies:
a. As if each Named insured were the only
Tamed Insured: and
b. Separately to each insured against whom claim
is made or "suit" is brought.
�. Transfer Of Rights Of Recovery Against Others
To Us
If the insured has rights to recover all or part of any
payment we have made under this Coverage Part,
those rights are transferred to us. The insured must
do nothing after loss to impair there. At our request,
the insured will bring "suit" or transfer those rights
to us and help us enforce them.
9. When We Do Not Renew
If we decide not to renew this Coverage Part, we will
snail or deliver to the first Named insured shown in
the Declarations written notice of the nonrenewal
not less than 30 days before the expiration date.
If notice is mailed, proof of mailing will be sufficient
proof of notice.
SECTION V — DEPiNITION
1. "Advertisement" means a notice that is broadcast or
published to the general public or specific market
segments about your goods, products or services
for the purpose of attracting customers or
supporters. For the purposes of this definition:
a. Notices that are published include material
placed on the Internet 'or on similar electronic
means of communication; and
b. Regarding websites, only that part of a website
that is about your goods, products or services
for the purposes of attracting customers or
supporters is considered an advertisement_
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2. "Advertising injury":
a. Means injury caused by one or more of the
following offenses:
(1) Oral or written publication, including
publication by electronic means, of material
in your "advertisement" that slanders or
libels a person or organization or
disparages a person's or organization's
goods, products or services, provided that
the claim is made or the "suit" is brought by
a person or organization that claims to have
been slandered or libeled, or that claims to
have had its goods, products or services
disparaged;
(2) Oral or written publication, including
publication by electronic means, of material
in your "advertisement" that.
(a) Appropriates a person's name, voice,
photograph or likeness; or
(b) Unreasonably places a person in a
false light: or
(3) Infringement of copyright, "title" or "slogan„
in your "advertisement", provided that the
claim is made or the "suit" is brought by a
person or organization that claims
ownership of such copyright, "title" or
"slogan".
b. Includes "bodily injury" caused by one or more
of the offenses described in Paragraph a.
above.
3. "Auto" means:
4.
5.
COMMERCIAL. GENERAL LIABILITY
b. In, by or with any other electronic means of
communication, such as the Internet, if that
material is part of:
(1) Radio or television programming being
transmitted;
(2) Other entertainment, educational,
instructional, music or news programming
being transmitted; or
(3) Advertising transmitted with any of such
programming.
6. "Coverage territory" means:
a. A land motor vehicle, trailer or semitrailer
designed for travel on public roads, including
any attached machinery or equipment; or
b. Any other land vehicle that is subject to a
compulsory or financial responsibility law, or
other motor vehicle insurance law, where it is
licensed or principally garaged. 7
However, "auto` does not include "mobile
equipment".
"Bodily injury" means:
a. Physical harm, including sickness or disease,
sustained by a person; or
b. Mental anguish, injury or illness, or emotional
distress, resulting at any time from such
physical harm, sickness or disease.
"Broadcasting" means transmitting any audio or
visual material for any purpose:
a. By radio or television; or
a. The United States of America (including its
territories and possessions), Puerto Rico and
Canada;
b. International waters or airspace, but only if the
injury or damage occurs in the course of travel
or transportation between any places included
in Paragraph a, above; or
C. All other parts of the world if the injury or
damage arises out of:
(1) Goods or products made or sold by you in
the territory described in Paragraph a.
above;
(2) The activities of a person whose home is in
the territory described in Paragraph a,
above, but is away for a short time on your
business; or
(3) "Personal and advertising injury" offenses
that take place through the Internet or
similar electronic means of communication:
provided the insured's responsibility to pay
damages is determined in a "suit" on the merits in
the territory described in Paragraph a, above, or in a
settlement we agree to.
"Electronic data" means information, facts or
programs stored as or on, created or used on. or
transmitted to or from computer software (including
systems and applications software), hard or floppy
disks, CD-ROMs, tapes, drives, cells, data
processing devices or any other media which are
used with electronically controlled equipment.
8. "Employee" includes a "leased worker'. "Employee"
does not include a "temporary worker'.
9. "Executive officer` means a person holding any of
the officer positions created by your charter,
constitution, bylaws or any other similar governing
document.
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COMMERCIAL GENERAL LIABILITY
10. "Good Samaritan services" means any emergency
medical services for which no compensation is
demanded or received.
11. "Hostile fire" means a fire which becomes
uncontrollable or breaks out from where it was
intended to be.
12. "Impaired property„ means tangible property, other
than "your product" or "your work", that cannot be
used or is less useful because:
a. It incorporates "your product" or "your work"
that is known or thought to be defective,
deficient, inadequate or dangerous; or
b. You have failed to fulfill the terms of a contract
or agreement;
if such property can be restored to use by the
repair, replacement, adjustment or removal of "your
product" or "your work" or your fulfilling the terms of
the contract or agreement.
13. "Insured contract" means:
a. A contract for a lease of premises. However,
that portion of the contract for a lease of
premises that indemnifies any person or
organization for "premises damage" is not an
"insured contract";
b. A sidetrack agreement;
c. Any easement or license agreement, except in
connection with construction or demolition
operations on or within 50 feet of a railroad;
d. An obligation, as required by ordinance, to
indemnify a municipality, except in connection
with work for a municipality;
e. An elevator maintenance agreement;
f. That part of any other contract or agreement
pertaining to your business (including an
indemnification of a municipality in connection
with work performed for a municipality) under
which you assume the tort liability of another
party to pay for "bodily injury" "property
damage" or "personal injury" to a third person
or organization. Tort liability means a liability that
would be imposed by law in the absence of any
contract or agreement.
Paragraph f. does not include that part of any
contract or agreement:
(1) That indemnifies a railroad for "bodily
injury„ or "property damage" arising out of
construction or demolition operations,
within 50 feet of any railroad property and
affecting any railroad bridge or trestle,
tracks, roadbeds, tunnel, underpass or
crossing;
(2) That indemnifies an architect, engineer or
surveyor for injury or damage arising out of:
(a) Preparing, approving, or failing to
prepare or approve, maps, shop
drawings, opinions, reports, surveys,
field orders, change orders or drawings
and specifications; or
(b) Giving directions or instructions, or
failing to give them, if that is the
primary cause of the injury or damage;
or
(3) Under which the insured, if an architect,
engineer or surveyor, assumes liability for
an injury or damage arising out of the
insureds rendering or failure to render
professional services, including those listed
in Paragraph (2) above and supervisory,
inspection, architectural or engineering
activities.
14. "Leased worker" means a person leased to you by a
labor leasing firm under an agreement between you
and the labor leasing firm, to perform duties related
to the conduct of your business. "Leased worker"
does not include a "temporary worker".
1S. "Loading or unloading" means the handling of
property:
a. After it is moved from the place where it is
accepted for movement into or onto an aircraft,
watercraft or "auto";
b. While it is in or on an aircraft, watercraft or
"auto"; or
c. While it is being moved from an aircraft,
watercraft or "auto" to the place where it is
finally delivered;
but "loading or unloading" does not include the
movement of property by means of a mechanical
device, other than a hand truck, that is not attached
to the aircraft, watercraft or "auto"_
16, "Mobile equipment" means any of the following
types of land vehicles, including any attached
machinery or equipment:
a. Bulldozers, farm machinery, forklifts and other
vehicles designed for use principally off public
roads;
b. Vehicles maintained for use solely on or next to
premises you own or rent;
c. Vehicles that travel on crawler treads;
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COMMERCIAL GENERAL LIABILITY
d. Vehicles, whether self-propelled or not, b. An act or omission committed in providing or
maintained primarily to provide mobility to failing to provide first aid or "Good Samaritan
permanently mounted: services" to a person, unless you are in the
(1) Power cranes, shovels, loaders, diggers or business or occupation of providing
drills; or professional health care services.
(2) Road construction or resurfacing 18. "Personal and advertising injury" means "personal
equipment such as graders, scrapers or injury" or "advertising injury"
rollers;
e. Vehicles not described in Paragraph a., b., c.
or d. above that are not self-propelled and are
maintained primarily to provide mobility to
permanently attached equipment of the
following types:
(1) Air compressors, pumps and generators,
including spraying, welding, building
cleaning, geophysical exploration, lighting
and well servicing equipment; or
(2) Cherry pickers and similar devices used to
raise or lower workers;
f. Vehicles not described in Paragraph a., b„ c.
or d. above maintained primarily for purposes
other than the transportation of persons or
cargo.
However, self-propelled vehicles with the
following types of permanently attached
equipment are not "mobile equipment" but will
be considered "autos":
(1) Equipment designed primarily for:
(a) Snow removal;
(b) Road maintenance, but not
construction or resurfacing; or
(c) Street cleaning;
(2) Cherry pickers and similar devices
mounted on automobile or truck chassis
and used to raise or lower workers; and
(3) Air compressors, pumps and generators,
including spraying, welding, building
cleaning, geophysical exploration, lighting
and well servicing equipment.
However, "mobile equipment" does not include any
land vehicle that is subject to a compulsory or
financial responsibility law, or other motor vehicle
insurance law, where it is licensed or principally
garaged. Such land vehicles are considered
"autos".
19. "Personal injury":
a. Means injury, other than "advertising injury"
caused by one or more of the following
offenses:
(1) False arrest, detention or imprisonment,
(2) Malicious prosecution;
(3) The wrongful eviction from, wrongful entry
into, or invasion of the right of private
occupancy of a room, dwelling or premises
that a person occupies, provided that the
wrongful eviction, wrongful entry or invasion
of the right of private occupancy is
committed by or on behalf of the owner,
landlord or lessor of that room, dwelling or
premises,
(4) Oral or written publication, including
publication by electronic means, of material
that slanders or libels a person or
organization or disparages a person's or
organization's goods, products or services,
provided that the claim is made or the "suit"
is brought by a person or organization that
claims to have been slandered or libeled, or
that claims to have had its goods, products
or services disparaged; or
(5) Oral or written publication, including
publication by electronic means, of material
that:
(a) Appropriates a person's name, voice,
photograph or likeness; or
(b) unreasonably places a person in a
false light.
b. Includes "bodily injury" caused by one or more
of the offenses described in Paragraph a.
above.
17. "Occurrence" means: 20. "Pollutants" mean any solid, liquid, gaseous or
thermal irritant or contaminant, including smoke,
a. An accident, including continuous or repeated vapor, soot, fumes, acids, alkalis, chemicals and
exposure to substantially the same general waste. Waste includes materials to be recycled,
harmful conditions; or reconditioned or reclaimed.
CG T1 00 0219 0 2017 The Travelers Indemnity Company. Ali rights reserved. Page 19 of 21
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COMMERCIAL GENERAL LIABILITY
21. "Premises damage" means:
a. With respect to the first paragraph of the
exceptions in Exclusion j, of Section I —
Coverage A — Bodily Injury And Property
Damage Liability, "property damage" to any
premises while rented to you for a period of
seven or fewer consecutive days, including the
contents of such premises; or
b. With respect to the exception to Exclusions c.
through n. in the last paragraph of Paragraph 2.
of Section 1 -- Coverage A — Bodily injury And
Property Damage Liability, "property damage" to
any premises while rented to you for a period of
more than seven consecutive days, or while
temporarily occupied by you with permission of
the owner, caused by:
(1) Fire;
(2) Explosion;
(3) Lightning;
contract calls for work at more than
one job site.
(c) When that part of the work done at a
job site has been put to its intended
use by any person or organization other
than another contractor or
subcontractor working on the same
project.
Work that may need service, maintenance,
correction, repair or replacement, but which
is otherwise complete, will be treated as
completed.
b. Does not include "bodily injury" or "property
damage" arising out of:
(1) The transportation of property, unless the
injury or damage arises out of a condition in
or on a vehicle not owned or operated by
you, and that condition was created by the
"loading or unloading" of that vehicle by any
insured;
(4) Smoke resulting from fire, explosion or (2) The existence of tools, uninstalled
lightning; or equipment or abandoned or unused
(5) Water. materials; or
But "premises damage" under this Paragraph (3) Products or operations for which the
b. does not include "property damage" to any classification, listed in the Declarations or
premises caused by: in a policy Schedule, states that products -
completed operations are subject to the
(1) Rupture, bursting, or operation of pressure relief devices; General Aggregate Limit.
(2) Rupture or bursting due to expansion or 23.
swelling of the contents of any building or
structure caused by or resulting from water;
or
(3) Explosion of steam boilers, steam pipes,
steam engines or steam turbines.
22. "Products -completed operations hazard":
a. Includes all "bodily injury" and "property
damage" occurring away from premises you
own or rent and arising out of "your product' or
"your work" except:
(1) Products that are still in your physical
possession; or
(2) Work that has not yet been completed or
abandoned. However, "your work" will be
deemed completed at the earliest of the
following times:
(a) When all of the work called for in your
contract has been completed.
(b) When all of the work to be done at the
job site has been completed if your
"Property damage" means:
a. Physical injury to tangible property, including all
resulting loss of use of that property. All such
loss of use will be deemed to occur at the time of
the physical injury that caused it; or
b. Loss of use of tangible property that is not
physically injured. All such loss of use will be
deemed to occur at the time of the "occurrence"
that caused it.
For the purposes of this insurance, "electronic data"
is not tangible property.
24. "Slogan":
a. Means a phrase that others use for the purpose
of attracting attention in their advertising.
b. Does not include a phrase used as, or in, the
name of:
(1) Any person or organization, other than you;
or
(2) Any business, or any of the premises,
goods, products, services or work, of any
person or organization, other than you.
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25. "Suit" means a civil proceeding in which damages
because of "bodily injury", "property damage" or
"personal and advertising injury" to which this
insurance applies are alleged. "Suit" includes:
a. An arbitration proceeding in which such
damages are claimed and to which the insured
must submit or does submit with our consent;
or
b. Any other alternative dispute resolution
proceeding in which such damages are claimed
and to which the insured submits with our
consent.
25. "Temporary worker" means a person who is
furnished to you to substitute for a permanent
"employee" on leave or to meet seasonal or short-
term workload conditions.
27. "Title" means a name of a literary or artistic work
28. "Unsolicited communication" means any
communication, in any form, that the recipient of
such communication did not specifically request to
receive.
29. "Volunteer worker" means a person who is not your
"employee", and who donates his or her work and
acts at the direction of and within the scope of
duties determined by you, and is not paid a fee,
salary or other compensation by you or anyone else
for their work performed for you.
30. "Your product":
a. Means;
(1) Any goods or products, other than real
property, manufactured, sold, handled,
distributed or disposed of by:
COMMERCIAL GENERAL LIABIL"
(a) You;
(b) Others trading under your name; or
(c) A person or organization whose
business or assets you have acquired:
and
(2) Containers (other than vehicles), materials,
parts or equipment furnished in connection
with such goods or products.
b. Includes:
(1) Warranties or representations made at any
time with respect to the fitness, quality,
durability, performance or use of "your
product"; and
(2) The providing of or failure to provide
warnings or instructions.
c. Does not include vending machines or other
property rented to or located for the use of
others but not sold.
31. "Your worts":
a. Means:
(1) Work or operations performed by you or on
your behalf; and
(2) Materials, parts or equipment furnished in
connection with such work or operations.
b. Includes:
(1) Warranties or representations made at any
time with respect to the fitness, quality,
durability, performance or use of "your
work"; and
(2) The providing of or failure to provide
warnings or instructions.
CG T1 00 0219 0 2017 The Travelers Indemnity Company Ail rights reserved. Page 21 of 21
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NOTICE OF CANCELLATION TO CERTIFICATELDS
Policy Number. 72 WEC ZX9262 Endorsement Number:
Effective gate: 06/23/23 Effective hour is the same as stated on the Information Page of the policy,
Named Insured and Address: COMPLETE PAPERLESS SOLUTIONS LLC
5130 E LA PALMA AVE STE 206
ANAHEIM CA 92807
This policy is subject to the following additional
Conditions:
A. If this policy is cancelled by the Company, other than
for non-payment of premium, notice of such
cancellation will be provided at least thirty (30) days
in advance of the cancellation effective date to the
certificate holder(s) with mailing addresses on file
with the agent of record or the Company.
B. If this policy is cancelled by the Company for
non-payment of premium, or by the insured, notice
of such cancellation will be provided within ten (10)
days of the cancellation effective date to the
certificate holder(s) with mailing addresses on file
with the agent of record or the Company.
If notice is mailed, proof of mailing to the last known
mailing address of the certificate holder(s) on file with
the agent of record or the Company will be sufficient
proof of notice,
Any notification rights provided by this endorsement
apply only to active certificate holder(s) who were issued
a certificate of insurance applicable to this policy's term.
Failure to provide such notice to the certificate holder(s)
will not amend or extend the date the cancellation
becomes effective, nor will it negate cancellation of the
policy. Failure to send notice shall impose no liability of
any kind upon the Company or its agents or
representatives.
Form WC 99 03 34 Printed in U.S.A.
Process date: 05/14123 Policy Expiration Date: 06/23/24
Q 2011, The Hartford
POLICY # 6808BB47614
COf; M RCiAL GENERAL LIABILITY
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY,
XTEND ENDORSEMENT FOR TECHNOLOGY
This endorsement modifies insurance provided Lander the following:
COMMERCIAL GENERAL LIA ;LI Y COVERAGE PART
GENERAL DE5CRIPTION OF COVERAGE — This endorsement broadens coverage. However, coverage for any
injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or
limited by another endorsement to this Coverage Part, and these coverage broadening prolusions do not apply to
the extent that coverage is excluded or limited by such an endorsement. The following listing is a general
coverage description only. Read all the provisions of this endorsement and the rest of your policy carefully to
determine rights, duties, and what is and is not covered.
A. Non -Owned Watercraft — 75 Feet Long Or less
S. Who Is An Insured— Unnamed Subsidiaries
C. Who is An Insured Employees -- Supervisory
Positions
< Who Is An Insured — Newly Acquired Or Formed
Limited Liability Companies
E. Who Is An Insured — Liability For Conduct Of
Unnamed Partnerships Or Joint Ventures
i. 31anket Additional Insured — Mortgagees,
Assignees, successors Or Receivers
J. Blanket Additional Insured -- Goverr mental
Entities -- Permits Or Authorizations Reiatirsg To
Premises
Blanket Additional Insured CovernmentM
Entities — Permits Or Authorizations Relating To
Operations
F. Blanket Additional Insured — Persons or L.. Medical Payments — Increased Limit
Organizations For Your Ongoing Operations As M. Blanket Waiver Of Subrogation
Required By Written Contract Or Agreement
N. Contractual liability — Railroads
G. Blanket Additional Insured — Broad Form vendors
K Blanket Additional Insured -- Controlhing Interest O. Damage To Premises Rented To You
,
A. NON -OWNED WATER CRAFT -- 75 FEET LONG
OR LESS
1, The following replaces Paragraphs (2) of
Exclusion g., AiTcraft,,Auto Or Watercraft,
in Paragraph 2. of SECTION l —
COVE — COVE. A — BODILY
INJURY AND PRDPSR Y DAMAGE
LIABIL WY:
(2) A watercraft you do not own that is:
(a) 75 feet long or less; and
(b) Not being used to carry any person or
property for a charge;
The following replaces Paragraph 2.e. of
SECTION I# — WHO IS AN INSURED:
is responsible for the use of a watercraft
that you do not own that is:
(1) 75 feet long or less: and
(2) Not being used to carry any person or
property for a charge.
WHO 15 AN INSURED — UNNAMED
SUBSIDIARIES
The foltowing is added to SECTION 19 WHO I
Any of your subsidiaries, rather than a partnership
or joint venture, that is not shown as a Darned
Insured in the Declarations is a Named insured if.:
a. You are the scale owner of, or maintain an
ownership interest of more than 50% in, such
subsidiary on the first day of the policy period:
and
e. Any person or organization that. with your
express or implied consent, either uses or b. Such subsidiary is not an insured under
similar other insurance.
CG D417 02 19 0 2017 "Phu Traya�ars indemrii€y Cos [psny. sill rights m ra _ rage 1 of 5
tncltsdes copyfighted rs werial of Insurance SQrvicas Uffik;k-' Ine. Ws h its rrtrisslen.
COMMERCIAL GENERAL LIABILITY
No such subsidiary is an insured for 4bodily injury"
or "property damage" that occurred, or "personal
and advertising injury" caused by an offense
committed:
a. Before you maintained an ownemhip interest
of more than 50% in such subsidiary; or
b. After the date, if any, daring the policy period
that you no Ionger maintain an ownership
interest of more than 50% in such subsidiary.
For purposes of Paragraph 1, of Section it — Who
Is An insured, each such subsidiary well be
deemed to be designated in the Declarations as:
a. A limited liability company-,
b. An organization other than a partnership, joint
venture or limited liability company; or
c. A trust:
as indicated in its name or the documents that
govern its structure.
C. WHO IS AN INSURED — EMPLOYEES --
SUPERVISORY POSITIONS
The following is added to Paragraph 2.a.(1) of
CTIO N It — WHO IS AN INSURED:
Paragraphs (1)(a). (b) and (c) above do not apply
to "bodily injury" to a co -"employee" while in the
course of the co "employee's" employment by you
arising out of work by any of your "employees"
who hold a supervisory position.
D. WHO €5 AN INSURED -- NEWLY ACQUIRED
OR FOR MEIN LIMITED LAI I ITY COMPANIES
The following replaces Paragraph 3. of SECTION
01-- WHO IS AN INSURED:
3. Any organization you newly acquire or form,
other than a partnership or joint venture, and
of which you are the sole owner or in which
you maintain an ownership interest of more
than 50%, will qualify as a Named Insured if
there is no other similar insurance available to
that organization. However.,
a. Coverage under this provision is afforded
only:
(1) until the 180th day after you acquire
or form the organization or the end of
the policy period, whichever is earlier,
i1 you do not report such organization
in writing to ors within 180 days after
you acquire or fforn-r it; or
organization in writing to us within
180 days after you acquire or form it;
b. Coverage A does not apply to "bodily
injury" or "property damage.$ that occurred
before you acquired or formed the
organization; and
o. Coverage 5 dews rat apply to "personal
and advertising injury' arising out of an
offense committed before you acquired or
formed the organization.
For the purposes of Paragraph 1. of Section It
— Who Is An Insured, each such organization
will be deemed to be designated in the
Declarations as:
a. A limited liability company,
b. An organization, other than a partnership,
joint venture or limited liability company;
or
C. A trust;
as indicated in its name or the documents
that govern its structure.
E. WHO IS AN INSURED -- C.AlBILTY FOR
CONDUCT OF UNNAMED PARTNERSHIP SO R
JOINT VENTURES
The following replaces the last paragraph of
SECTION It -lit 15 AN INSURED:
No person or organization is an insured with
respect to the conduct of any current or past
partnership or joint venture that is not shown as a
Named Insured in the Declarations. This
paragraph doses not apply to any such partnership
or joint venture that otherwise qualifies as an
insured under Section li — Who Is An insured.
F. BLANKET" ADDITIONAL INSURED - PERSONS
OR ORGANIZATIONS FOR YOUR ONGOING
OPERATIONS AS REQUIREDY WRITTEN
CONTRACT OR AGREEMENT
The following is added to SECTION II - WHO I
ANINSURED,
Any persona or organization that is not otherwise
an insured under this Coverage D'art and that you
have agreed in a written contract or agreement to
include as an additional insured on this Coverage
part is an insured, but only with respect to liability
for "bodily injury" or "property damage" that:
a. Occurs subsequent to the signing of that
contract or agreement; and
(2) Until the end of the policy period, b, Is caused, in whole or in hart, by your acts or
when that date is later than 130 nays ornissions in the performance of your ongoing
after you acquire or form such oDerations to which that contract or
organization. if you report such
Page 2 of 5 0 2017 The Travotari% €indemnity Qimpnny. M cbh€s swerved. CG D4 17 02 19
Includes copyNhied mattsia6 of ins€3ssanca semce2 Ufa. tnc. with its pennissksr,.
agreement applies or the acts or omissions of
any person or organization performing such
operations on your behalf,
The limits of insurance provided to such insured
will be the minimum limits that you agreed to
provide in the written contract or agreement. or
the limits shown in the Declarations, whichever
are less.
G. BLANKET ADDITIONAL INSURED — BROAD
FORM VENDORS
The following is added to SECTION II — WHO IS
AN INSURED:
Any person or organization that is a vendor and
that you have agreed in a written contract or
agreement to include as an additional insured on
this Coverage Part is an insured, but only with
respect to liability for "bodily injury" or "property
damage" that:
a. Occurs subsequent to the signing of that
contract or agreement; and
b. Arises out of "your products" that are
distributed or sold in the regular course of
such vendors business.
The insurance provided to such vendor is subject
to the following provisions:
a. The limits of insurance provided to such
vendor will be the minimum limits that you
agreed to provide in the written contract or
agreement, or the limits shown in the
Declarations, whichever are less.
b. The insurance provided to such vendor does
not apply to:
(1) Any express warranty not authorized by
you or any distribution or sale for a
purpose not authorized by you.
(2) Any change in "your products" made by
such vendor;
(3) Repackaging, unless unpacked solely for
the purpose of inspection, demonstration,
testing. or the substitution of parts under
instructions from the manufacturer, and
then repackaged in the original container;
(4) Any failure to make such inspections,
adjustments, tests or servicing as
vendors agree to perform or normally
undertake to perform in the regular
course of business, in connection with the
distribution or sale of "your products";
(S) Demonstration, installation, servicing or
repair operations, except such operations
COMMERCIAL GENERAL LIABILITY
Performed at such vendor's premises in
connection with the sate of "your
Products"; or
(6) "Your products" that, after distribution or
sale by you, have been labeled or
relabeled or used as a container, part or
ingredient of any other thing or substance
by or on behalf of such vendor.
Coverage under this provision does not apply to:
a. Any person or organization from whom you
have acquired "your products", or any
ingredient, part or container entering into,
accompanying or containing such products;
or
b. Any vendor for which coverage as an
additional insured specifically is scheduled by
endorsement.
H. BLANKET ADDITIONAL INSURED —
CONTROLLING INTEREST
I. The following is added to SECTION 11— WHO
IS AN INSURED:
Any person or organization that has financial
control of you is an insured with respect to
liability for "bodily injury", "property damage"
or "personal and advertising injury" that arises
out of:
a. Such financial control; or
b. Such Person's or organization's
ownership, maintenance or use of
premises leased to or occupied by you.
The insurance provided to such person or
organization does not apply to structural
alterations, new construction or demolition
operations performed by or on behalf of such
person or organization.
x. The following is added to Paragraph 4. of
SECTION II —WHO IS AN INSURED:
This paragraph does not apply to any
premises owner, manager or lessor that has
financial control of you.
I. BLANKET ADDITIONAL INSURED
MORTGAGEES, ASSIGNEES, SUCCESSORS
OR RECEIVERS
The following is added to SECTION 11 — WHO ES
AN INSURED:
Any person or organization that is a mortgagee,
assignee, successor or receiver and that you
have agreed in a written contract or agreement to
include as an additional insured on this Coverage
Part is an insured, but only with respect to its
CG D417 0219 tRr*ass r C 2017 The Trwmlars indemnity c mpany. AN fVhte roUrved. Page 3 of 5
yrightad msMfW of Inswanca Services Of im. Inc. with its permission.
COMMERCIAL GENERAL LIABILITY
liability as mortgagee, assignee, successor Of
receiver for "bodily injury" "property damage" or
"personal and advertising injury" that:
a. Is "Bodily injury" or "property damage" that
occurs, or is "personal and advertising injury"
caused by an offense that is committed,
subsequent to the signing of that contract or
agreement; and K.
. arises out of the ownership, maintenance or
use of the premises for which that mortgagee,
assignee, successor or receiver is required
under that contract or agreement to be
included as an additional insured on this
Coverage Part.
The insurance provided to such mortgagee,
assignee, successor or receiver is subject to the
following provisions.
a. The limits of insurance provided to such
mortgagee, assignee, successor or receiver
will be the rninimum limits that you agreed to
provide in the written contract or agreement,
or the limits shown in the Declarations,
whichever are less.
. The insurance provided to such person or
organization does not apply to:
(1) Any "bodily injury„ or "property damage"
that occurs, or any "personal and
advertising injury" caused by an offense
that is committed, after such contract or
agreement is no longer in effect; or
(2) Any "bodily injury""property damage" or
"Personal and advertising injury„ arising
out of any structural alterations, new
construction or demolition operations
performed by or on behalf of such
mortgagee, assignee, successor or
receiver.
J. BLANKET ADDi' OONAL, INSURE
GOVERNMENTAL ENTITIES — PERMITS CAR
AUTHOROZATIONS RELATING TO PREMISES
The following is added to SECTION 11 — MO I
AN I SURED:
Any governmental entity that has issued a permit
or authorization with respect to premises owned
or occupied by, or rented or loaned to, you and
that you are required by any ordinance, law,
building code or written contract or agreement to
include as an additional insured on this Coverage
Fart is an insured, but only with respect to liability
for "bodily injury" "properly damage" or "personal
and advertising injury" arising out of the
existence, ownership, use, maintenance, repair,
construction, erection or removal of any of the
following for which that governmental entity has
issued such permit or authorization: advertising
signs, awnings, canopies, cellar entrances, coal
holes, driveways, manholes. marquees, hoist
away openings, sidewalk vaults, elevators, street
banners or decorations.
BLANKET ADDITIONAL INSURED —
GOVERNMENTAL ENT§TIES A- PERkITS OR
AUTH=ZATOONS RELATING T
OPER-
ATIONS
The following is added to SECTION 11 — WHO
INSURED:
Any governmental entity that has issued a permit
or authorization with respect to operations
performed by you or on your behalf and that you
are required by any ordinance, law, building code
or written contract or agreement to include as an
additional insured on this Coverage Part is an
insured, but only with respect to liability for "bodily
injury„ "property damage" or "personal and
advertising injury" arising out of such operations.
The insurance provided to such governmental
entity does not apply to:
a. Any "bodily injury", „property damage" or
"personal and advertising injury" arising out of
operations performed for the governmental
entity; or
b. Any "bodily injury" or "property damage"
included in the "products -completed
operations hazard".
L. MEDICAL PAYMENTS --- INCREASED LIMIT
The following replaces Paragraph 7, of SECTION
III — LIMITS OF INSURANCE:
7. Subject to Paragraphs 5. above, the Medical
Expense Limit is the most we will pay under
Coverage C for all medical expenses because
of "bodily injury" sustained by any one
person, and will be the higher of:
a. $10,000: or
ib. The amount shown in the Declarations of
ftts Coverage Part. for Medical Expense
Limit,
M. BLANKET WAIVER OF SUBROGATION
The following is added to paragraph 8., Transfer
Of Rights € W RecavM Against Otlh s To Lis,
of SECTION IV - COMMERCIAL GENERAL
LOA IL.MY C NDIT6 INS:
if the insured has agreed in a contract or
agreement to waive that insureds right d
recovery against any person or organization, w
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includes capyrighled maledal of itimance Services Qffim. tric. with its pefmissiGn
waive our right of recovery against such person or
organization, but only for payments we make
because of:
a. "Bodily injury" or "property damage" that
occurs: or
b, "Personal and advertising injury" caused by
an offense that is committed;
subsequent to the execution of the contract or
agreement.
N. CONTRACTUAL LIABILITY W- RAILROADS
1. The following replaces Paragraph c. of the
definition of "insured contract" in the
DEFINITIONS Section:
c. Any easement or license agreement;
COMMERCIAL. GENERAL LIA81LITY
2. Paragraph f (1) of the definition of "insured
contract" in the DEFINITIONS Section is
deleted.
O. DAMAGE TO PREMISES RENTED TO YOU
The following replaces the definition of "premises
damage" in the DEFINITIONS Section:
"Premises damage" means "property damage" to:
a. Any premises while rented to you or
temporarily occupied by you with permission
of the owner; or
b. The contents of any premises while such
premises is rented to you, if you rent such
premises for a period of seven or fewer
consecutive days.
CG 0417 02 19 a 2017 The Travelers Indemnity Company. AIt rights reserved. rage 5 of 5
Includes copyrighted material of Insurance services oHEee, Inc Witti fs peamnion.