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PROOF OF INSURANCE (2026 - 2026)UTILCOS-01 SOON AL '4kw� CERTIFICATE OF LIABILITY INSURANCE DATE (MMID IY THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endo rsed. 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 endorsements . _..... ......................_ ... ......................... _. ._...__... ........ PRODUCER License # 0757776 CONTACT E:—� Ve.............Ra..htNM .....................WWw,m. HUB International Insurance Services Inc. PHONE Ext FAX Ne 548 W Cromwell Avenue • •� • -- D ( )231-2572~ I �� Suite 101 E Lcal cpu@hubinternational.com Fresno, CA 93711 At1�i� _.— INSURFRISi AFFORDING COVERAGE a NAIL 0 INSURED Utility Cost Management LLC 1100 W. Shaw Avenue, Suite 126 Fresno, CA 93711 merica Financial Benefit Insurance CompanvA1840 Companv 119038 COVERAGES CERTIFICATE NUMBER: REVISION NUMBER, N. .... _._. THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR POLMCY EFF POLICY EXP T N POLICY NUMBER ............ 1DO i_,lD LIMITS _ _ _(Vwt(daIr1YYYY A 1,000,000 000 X COMMERCIALGENERALLIABILITY._- E4H:4CCtJRRFICE .� CLAIMS -MADE X X occuR J636703 2/5/2025 2!5/2026 DR5Mr E To REIrr D -P�/%, d41 m I s,R .4d!tfS i'—...$------..w.....-. 300,000 5,000 .. a ........ ._._ 1'000,000 PFRS�JNALm{�,Ai�VriN,(URY � ----.� 2,000 000 N APPLIES PER: 'LAGGR 7 LIMIT GNERALA('GREGA $ X POLICY � r Loc w?RODI ICTs COMPIOP . ......_. _ QP AGG -$ 2,000,000 ---- OTHER ......_.-- ......... .................. .................... A LIABILITY �tm� ��� INGLC LIMIT $ 1,000 000 AUTOMOBILE Ml ANY AUTO J636703 2/5/2025 2/5/2026, _P0DILYINJURYIPer er an $ """' SCHEDULED AUTOS ONLY AUTOS flP.q!!Y LNJIJRY to a,Cracgv) � $ „,,,„„ ,. _......... X A�1"1LSONLY X,_ A"fOSLY $ ..;etdlT"t"!`MFrrCwMhCGE.....,,,,__.._ A X UMBRELLA X OCCUR EACH OCCURRENCE $ 2,000,000 ....... EXCESS LIAB CLAIMS -MADE J636703 2/5/2025 2/5/2026 AGGREGATE __.................,._...-...-...---..- 9 0,000 2,000,000 d0 DED RETENTION $ B WORKERS COMPENSATION X PER I OTH STATIJIGE`! 5 AND EMPLOYERS' LIABILITY FN 032700221 214/2025 214/2026 YIN ...000. 1, ANY PROPRIETORIPARTNER/EXECUTIVE E,;,LmEACH ACCIDENT Sr .mm. ­11111111111111111111— ,000' . ( FICE IM in NH) EXCLUDED? N J A E,L.DISEASE - EA EMPLOYEE $ 1,tIIItI,tItIO _________ If yes, dta� ibeunder _..... ..m..w..., 1 DESCRIPTION OF OPERATIONS below ESL, DISEASE -POLICY LIMIT, ,OIIO,tItIII C Professional Liab 107256057 5/23/2025 5/23/2026 Each Claim 1,000,000 C Professional Liab 107256057 5/23/2025 5/23/2026 Retention 25,000 DESCRIPTION OF OPERATIONS I LOCATIONS IVEHI:CLES (ACORD 101„ Additlonal Remarks Schedule, maybe attached if mora space required) en required City of El Segundo,its officials, and employees as Additional Insured with regard to General Liability when . n by written contract per the attached endorsement forms CG2012 04/13, 800-0001 08/19. Umbrella Coverage is following form. ._ ...........—.. . ............ _....•.......... .................... rFRTI''FIrATF Hoi DER CANCELLATION ...................�. SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of El Segundo THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN tY 9 ACCORDANCE WITH THE POLICY PROVISIONS. Attn: Joe Lillio, Director 350 Main Street ..... .wW.................... ._ .................. El Segundo, CA 90245 AUTHORIZED REPRESENTATIVE 0-4 .1 ACORD 25 (2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD POLICY NUMBER: J636703 COMMERCIAL GENERAL LIABILITY CG20120413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION - PERMITS OR AUTHORIZATIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE State Or Governmental Agency Or Subdivision Or Political Subdivision: City of El Segundo Attn: Joe Lillio, Director Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II — Who Is An Insured is amended to include as an additional insured any state or governmental agency or subdivision or political subdivision shown in the Schedule, subject to the following provisions: 1. This insurance applies only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a B permit or authorization. However: a. The insurance afforded to such additional insured only applies to the extent permitted by law; and b. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. CG 20 12 04 13 2. This insurance does not apply to: a. "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the federal government, state or municipality; or b. "Bodily injury" or "properly damage" included within the "products -completed operations hazard". With respect to the insurance afforded to these additional insureds, the following is added to Section III — Limits Of Insurance: If covera e provided', to the additional insured is re uired y a contract or agreement„ the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. © Insurance Services Office, Inc., 2012 Page 1 of 1 Insured Copy Z2F J636703 01 5701697 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SMALL COMMERCIAL LIABILITY COMPANION ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SUMMARY OF COVERAGES Page SECTION I — ADDITIONAL INSURED PROVISIONS 2 A. Automatic Additional Insured Provisions Including Primary and Non-contributory 2 4. Additional Insureds 2 a. Broad Form Vendors 3 b. Co-owner of Insured Premises _ 3 c. Controlling Interest wawa 3 d. Mortgagee, Assignee, or Receiver 4 e. Grantor of Franchise 4 f. Lessor of Leased Equipment 4 g. Manager or Lessor of Premises 4 B. Additional Insured by Contract, Agreement or Permit With Completed Operations and 4 Primary and Non-contributory SECTION II — COVERAGE EXTENSIONS 5 A. Supplementary Payments Extension 5 B. Alienated Premises 5 C. Broad Form Property Damage Legal Liability 6 D. Broad Form Property Damage —Borrowed Equipment, Customers' Goods, Use of 6 Elevators E. Incidental Malpractice — Employed Nurses, EMT's and Paramedics 6 F. Personal and Advertising Injury — Broad Form 6 G. Product Recall Expense Product Recall Expense Each Occurrence Limit $25,000 6 Product Recall Expense Aggregate Limit $50,000 Product Recall Deductible $500 H. Who is an Insured Amended "Employees" Redefined 8 Subsidiaries Newly Acquired or Formed Organizations —180 Days I. Limits of Insurance Amended: Aggregate Limits of Insurance Per Location 9 Products -Completed Operations Aggregate — Twice the Each Occurrence Limit J. Blanket Waiver of Subrogation 9 K. Unintentional Failure to Disclose Hazards 9 L. Unintentional Failure to Notify/Knowledge of an Occurrence 9 M. Medical Expenses — Three Years to Report 9 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission. Page 1 of 14 Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Insured Copy Z2F J636703 01 5701697 SECTION III —ADDITIONAL CONDITIONS 9 A. Liberalization 9 B. Concealment, Misrepresentation or Fraud 10 C. Insurance Under Two or More Coverages 10 SECTION IV — EXCLUSIONS 10 A. Coverage A— Bodily Injury and Property Damage Liability and Coverage B —Personal and Advertising Injury Exclusions 10 Access Or Disclosure Of Confidential Or Personal Information And Data -related Liability Aircraft Products, Grounding and Testing Professional Services 10 10 11 Unmanned Aircraft 11 B. Coverage A — Bodily Injury and Property Damage and Coverage C — Medical Payments Exclusions 12 Nuclear Energy Liability C. Amended Exclusion With Coverage Extension Aircraft (Other Than Unmanned Aircraft), Auto or Watercraft 12 13 13 SECTION V — AMENDED DEFINITIONS 13 "Bodily Injury" 14 "Products —Completed Operations Hazard" "Property Damage" 14 14 SECTION I — ADDITIONAL INSURED PROVISIONS A. Automatic Additional Insured Provisions Including Primary and Non-contributory: 1. SECTION II — WHO IS AN INSURED is amended to include as an insured any person or organization described in paragraphs 4.a through 4.g. below, whom you agree to add as an Additional Insured. 2. However, the insurance afforded to such Additional Insured described below: a. Only applies to the extent permitted by law. b. Will not be broader than the insurance which you are required by the written contract, agreement or permit, if any, to provide for such additional insured. c. Applies on a primary basis and we will not seek contribution from any other insurance available to the Additional Insured, if that is required by an applicable written contract, agreement or permit. d. Will not be broader than coverage provided to any other insured. e. Does not apply if the "bodily injury", "property damage" or "personal and advertising injury" is otherwise excluded from coverage under this Coverage Part, including any endorsements thereto. f. Does not apply to any person or organization included as an insured by another endorsement issued by us and made part of this Coverage Part. 3. The most we will pay on behalf of the Additional Insured for a covered claim is the lesser of the amount of insurance: a. Required by the applicable written contract, agreement or permit, if any; or b. Available under the applicable Limits of Insurance shown in the Declarations or any endorsement to the policy. 4. Additional Insureds The following persons or organizations qualify as additional insureds under this endorsement: 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission. Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Page 2 of 14 Insured Copy Z2F J636703 01 5701697 The following is added to SECTION II — WHO IS AN INSURED: a. Broad Form Vendors (1) Any person or organization that is a vendor with whom you agreed in a written contract or agreement to include as an additional insured under this Coverage Part is an insured, but only with respect to liability for "bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business. (2) With respect to insurance afforded to such vendors, the following additional exclusions apply: The insurance afforded to the vendor does not apply to: (a) "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reasons of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement; (b) Any express warranty unauthorized by you; (c) Any physical or chemical change in the product made intentionally by the vendor; (d) Repackaging, unless unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instruction from the manufacturer, and then repackaged in the original container; (e) Any failure to make such inspection, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the sale of the product; (f) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; container, part or ingredient of any other thing or substance by or for the vendor; (h) "Bodily injury" or "property damage" arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (i) The exceptions contained within the exclusion in paragraphs (d) or (f) above; or (ii) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. (1) "Bodily injury" or "property damage" arising out of an "occurrence" that took place before you have signed the contract or agreement with the vendor. (j) Any insured person or organization, from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. b. Co-owner of Insured Premises Any person or organization who is a co- owner of premises described in the declarations. Such person(s) or organization(s) is an insured only with respect to their liability as co-owner of the co -owned premises. c. Controlling Interest Any person or organization that has a majority controlling interest in you, but only with respect to their liability arising out of: (1) Their financial control of you; or (2) Premises they own, maintain or control while you lease or occupy these premises. This insurance does not apply to structural alterations, new construction and demolition operations performed by or for such additional insured. (g) Products which, after distribution d. Mortgagee, Assignee, or Receiver or sale by you, have been labeled Any mortgagee, assignee or receiver, but or relabeled or used as a only with respect to their liability as 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission. Page 3 of 14 Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Insured Copy Z2F J636703 01 5701697 mortgagee, assignee, or receiver and arising out of the ownership, maintenance or use of a premises by you. This insurance does not apply to structural alterations, new construction or demolition operations performed by or for such additional insured. e. Grantor of Franchise Any person or organization who is a grantor of a franchise to you, but only with respect to their liability as grantor of a franchise to you. f. Lessor of Leased Equipment Any person or organization from whom you lease equipment is also an additional insured, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person or organization. However, the insurance afforded to such additional insured does not apply to any "occurrence" that takes place after the equipment lease expires. g. Manager or Lessor of Premises Any person or organization from whom you lease premises is also an additional insured, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you. However, this provision does not apply to: (1) Any "occurrence" that takes place after you cease to be a tenant in the premises. (2) Structural alterations, new construction or demolition operations performed by or for such additional insured(s). B. Additional Insured by Contract, Agreement or Permit With Completed Operations and Primary and Non-contributory 1. Any person or organization who does not qualify as an Additional Insured in A. Automatic Additional Insured Provisions Including Primary and Non-contributory, 4. Additional Insureds, paragraphs a. through g. above with whom you agreed in a written contract, agreement or permit to add as an additional insured on your policy is an additional insured only with respect to liability for "bodily injury", "property damage", or "personal and advertising injury" caused, in whole or in part, by your acts or omissions, or the acts or omissions of those acting on your behalf, but only with respect to: a. Premises you own, rent, lease or occupy; b. Your ongoing operations for the additional insured(s) designated in the written contract, agreement or permit; c. "Your work" included in the "products - completed operations hazard", but only if: (1) The written contract, agreement or permit requires you to provide such coverage to the additional insured; and (2) This Coverage Part provides coverage for "bodily injury' or "property damage" included within the "products - completed operations hazard". 2. The insurance afforded to such additional insured described above: a. Only applies to the extent permitted by law. b. Will not be broader than the insurance which you are required by the written contract, agreement or permit to provide for such additional insured. c. Applies on a primary basis and we will not seek contribution from any other insurance available to the Additional Insured, if that is required by the written contract, agreement or permit. d. Does not apply if the "bodily injury", "property damage", or "personal and advertising injury" arises out of sole negligence of the additional insured. e. Will not be broader than coverage provided to any other insured. f. Does not apply if the "bodily injury", "property damage" or "personal and advertising injury" is otherwise excluded from coverage under this Coverage Part, including any endorsements thereto. g. Does not apply unless the written contract or agreement was executed or permit was issued prior to the "bodily injury", "property damage", or "personal and advertising injury". h. Does not apply to any person or organization included as an insured by another endorsement issued by us and made part of this Coverage Part. i. Does not apply to any lessor of equipment after the equipment lease expires. j. Does not apply to any: (1) Owners or other interests from whom land has been leased if the "occurrence" takes place or the offense 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission, Page 4 of 14 Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Insured Copy Z21FJ636703 01 5701697 is committed after the lease for the land expires; or (2) Managers or lessors of premises if: (a) The "occurrence" takes place or the offense is committed after you cease to be a tenant in that premises; or (b) The "bodily injury", "property damage", "personal and advertising injury" arises out of structural alterations, new con- struction or demolition operations performed by or on behalf of the manager or lessor. k. Does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or the failure to render any professional services. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" or the offense which caused the "personal and advertising injury" involved the rendering of or failure to render any professional services by or for you. 3. With respect to the insurance afforded to these additional insureds, the following is added to SECTION III — LIMITS OF INSURANCE: The most we will pay on behalf of the additional insured for a covered claim is the lesser of the amount of insurance: 1. Required by the written contract, agreement or permit described in B. Additional Insured by Contract, Agreement or Permit With Completed Operations and Primary and Non- contributory, paragraph 1. or 2. Available under the applicable Limits of Insurance shown in the Declarations or any endorsement to this policy. This provision shall not increase the applicable Limits of Insurance shown in the Declarations. SECTION II — COVERAGE EXTENSIONS A. Supplementary Payments Extension b. Up to $2500 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which 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 our 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 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 our Limit of Insurance. These payments will not reduce the Limits of Insurance. B. Alienated Premises SECTION I — COVERAGES, COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions, j. Damage to Property, paragraph (2) is replaced by the following: (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises and occurred from hazards that were known by you, or should have reasonably been known by you, at the time the property was transferred or abandoned. C. Broad Form — Property Damage Legal Liability SECTION I — COVERAGES, SUPPLEMENTARY The following is added to SECTION III - LIMITS OF PAYMENTS — COVERAGES A AND B, paragraph INSURANCE, Paragraph 6. 1. is replaced by the following: The Damages to Premises Rented to You Limit 1. We will pay, with respect to any claim we shown on the Declarations will apply to a claim investigate or settle, or any suit against an because of "property damage" to any one insured we defend: premises, while rented to you, or in the case of a. All expenses we incur. damage by fire, while rented to you or temporarily 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission. Page 5 of 14 Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Insured Copy Z2FJ636703 01 5701697 occupied by you with permission of the owner. If the General Aggregate Limit shown on the Declarations is less than $1,000,000, for the purpose of the Damages To Premises Rented to You coverage only, the General Aggregate Limit will be equal to the Damage to Premises Rented to You Limit shown on the Declarations. The Damage to Premises Rented to You Limit does not and should not be construed to increase the General Aggregate Limit except as provided in the limited circumstance described in this paragraph. D. Broad Form Property Damage — Borrowed Equipment, Customers' Goods, Use of Elevators 1. The following is added to SECTION I — COVERAGES, COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions, j. Damage to Property: Paragraph (4) does not apply to "property damage" to borrowed equipment while at a jobsite and not being used to perform operations. Paragraphs (3), (4) and (6) do not apply to "property damage" to "customers' goods" while on your premises. Paragraphs (3), (4) and (6) do not apply to the use of elevators. 2. For the purposes of this endorsement, the following definition is added to SECTION V — DEFINITIONS: 1. "Customers' goods" means property of your customer(s) on your premises for the purpose of being: a. Worked on; or b. Used in your manufacturing process. 3. The insurance afforded under this provision is excess over any other valid and collectible property insurance (including deductible) available to the insured whether primary, excess, contingent or on any other basis. E. Incidental Malpractice — Employed Nurses, EMT's and Paramedics With respect to the COMMERCIAL GENERAL LIABILITY COVERAGE form, SECTION II — WHO IS AN INSURED, paragraph 2.a.(1)(d) and with respect to the SMALL COMMERCIAL LIABILITY COMPANION endorsement, SECTION IV — EXCLUSIONS, A. Professional Services do not apply to a nurse, emergency medical technician or paramedic employed by you if you are not engaged in the business or occupation of providing medical, paramedical, surgical, dental, x-ray or nursing services. F. Personal and Advertising Injury — Broad Form 1. SECTION I — COVERAGES, COVERAGE B — PERSONAL AND ADVERTISING INJURY LIABILITY, 2. Exclusions, e. Contractual Liability is deleted. 2. SECTION V — DEFINITIONS, 14. "Personal and advertising injury", paragraph b. is replaced by the following: b. Malicious prosecution or abuse of process. 3. The following is added to SECTION V — DEFINITIONS, 14. "Personal and advertising injury": "Discrimination" (unless insurance thereof is prohibited by law) that results in injury to the feelings or reputation of a natural person, but only if such "discrimination" is: (1) Not done intentionally by or at the direction of: (a) The insured; (b) Any officer of the corporation, director, stockholder, partner or member of the insured; and (2) Not directly or indirectly related to an "employee", nor to the employment, prospective employment or termination of any person or persons by an insured. 4. For purposes of this endorsement, the following definition is added to SECTION V — DEFINITIONS: 1. "Discrimination" means the unlawful treatment of individuals based upon race, color, ethnic origin, gender, religion, age, or sexual preference. "Discrimination" does not include the unlawful treatment of individuals based upon developmental, physical, cognitive, mental, sensory or emotional impairment or any combination of these. S. This coverage does not apply if liability coverage for "personal and advertising injury" is excluded either by the provisions of the Coverage Form or any endorsement thereto. G. Product Recall Expense 1. SECTION I — COVERAGES, COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions, n. Recall of Products, Work or Impaired Property is replaced by the following: n. Recall of Products, Work or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission. Page 6 of 14 Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Insured Copy Z21F J636703 01 5701697 repair, replacement, adjustment, removal or disposal of: (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, but this exclusion does not apply to "product recall expenses" that you incur for the "covered recall' of "your product' if the "covered recall' was initiated during the policy period. However, the exception to the exclusion does not apply to "product recall expenses" resulting from: (4) Failure of any products to accomplish their intended purpose; (5) Breach of warranties of fitness, quality, durability or performance; (6) Loss of customer approval, or any cost incurred to regain customer approval; (7) Redistribution or replacement of "your product' which has been recalled by like products or substitutes; (8) Caprice or whim of the insured; (9) A condition likely to cause loss of which any insured knew or had reason to know at the inception of this insurance; (10)Asbestos, including loss, damage or clean up resulting from asbestos or asbestos containing materials; or (11)Recall of "your products" that have no known or suspected defect solely because a known or suspected defect in another of "your products" has been found. 2. The following is added to SECTION II — WHO IS AN INSURED, paragraph 3.b.: "Product recall expense" arising out of any withdrawal or recall that occurred before you acquired or formed the organization. 3. The following is added to SECTION III — LIMITS OF INSURANCE: Product Recall Expense Limits of Insurance a. The Limits of Insurance shown in the SUMMARY OF COVERAGES of this endorsement and the rules stated below fix the most that we will pay under this Product Recall Expense coverage regardless of the number of: (1) Insureds; (2) "Covered Recalls" initiated; or (3) Number of "your products" withdrawn or recalled. b. The Product Recall Expense Aggregate Limit is the most we will reimburse you for the sum of all "product recall expenses" incurred for all "covered recalls" initiated during the policy period. c. The Product Recall Each Occurrence Limit is the most we will pay in connection with any one defect or deficiency. d. All "product recall expenses" in connection with substantially the same general harmful condition will be deemed to arise out of the same defect or deficiency and considered one "occurrence". e. Any amount reimbursed for "product recall expenses" in connection with any one "occurrence" will reduce the amount of the Product Recall Expense Aggregate Limit available for reimbursement of "product recall expenses" in connection with any other defect or deficiency. f. If the Product Recall Expense Aggregate Limit has been reduced by reimbursement of "product recall expenses" to an amount that is less than the Product Recall Expense Each Occurrence Limit, the remaining Aggregate Limit is the most that will be available for reimbursement of "product recall expenses" in connection with any other defect or deficiency. g. Product Recall Deductible We will only pay for the amount of "product recall expenses" which are in excess of the $500 Product Recall Deductible. The Product Recall Deductible applies separately to each "covered recall'. The limits of insurance will not be reduced by the amount of this deductible. We may, or will if required by law, pay all or any part of any deductible amount, if applicable. Upon notice of our payment of a deductible amount, you shall promptly reimburse us for the part of the deductible amount we paid. The Product Recall Expense Limits of Insurance 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 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission. Page 7 of 14 Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Insured Copy Z2FJ636703 01 5701697 case, the additional period will be deemed part of the last preceding period for the purposes of determining the Limits of Insurance. 4. The following is added to SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS, 2. Duties in the Event of Occurrence, Offense, Claim or Suit: You must see to it that the following are done in the event of an actual or anticipated "covered recall' that may result in "product recall expense": (1) Give us prompt notice of any discovery or notification that "your product' must be withdrawn or recalled. Include a description of "your product' and the reason for the withdrawal or recall; (2) Cease any further release, shipment, consignment or any other method of distribution of like or similar products until it has been determined that all such products are free from defects that could be a cause of loss under this insurance. 5. For the purpose of this endorsement, the following definitions are added to SECTION V — DEFINITIONS: 1. "Covered recall' means a recall or withdrawal made necessary because you or a government body has determined that a known or suspected defect, deficiency, inadequacy, or dangerous condition in "your product' has resulted or is reasonably expected to result in "bodily injury" or "property damage". 2. "Product recall expense(s)" means: a. Necessary and reasonable expenses for: (1) Communications, including radio or television announcements or printed advertisements including stationary, envelopes and postage; (2) Shipping the recalled products from any purchaser, distributor or user to the place or places designated by you; (6) Expenses to rent additional warehouse or storage space; (7) Disposal of "your product", but only to the extent that specific methods of destruction other than those employed for trash discarding or disposal are required to avoid "bodily injury" or "property damage" as a result of such disposal, you incur exclusively for the purpose of recalling "your product"; and b. Your lost profit resulting from such "covered recall'. 6. This Product Recall Expense Coverage does not apply: a. If the "products — completed operations hazard" is excluded from coverage under this Coverage Part including any endorsement thereto; or b. To "product recall expense" arising out of any of "your products" that are otherwise excluded from coverage under this Coverage Part including endorsements. H. Who is an Insured Amended 1. SECTION II — WHO IS AN INSURED, paragraph 2.a.(1)(d) is replaced by the following: (d) Arising out of his or her providing or failing to provide professional services. 2. Insured Employee Extension The following is added to SECTION II — WHO IS AN INSURED, paragraph 2.a.(1)(a): With respect to "bodily injury" only, the limitations above do not apply to your "employees" as insureds with respect to damages caused by cardiopulmonary resuscitation or first aid services administered by such an "employee". 3. Who is an Insured — Subsidiaries The following is added to SECTION II — WHO IS AN INSURED: Subsidiaries (3) Remuneration paid to your regular Any of your subsidiaries, other than a "employees" for necessary partnership or joint venture, that is not shown overtime; as a Named Insured in the Declarations is a Named Insured if: (4) Hiring additional persons, other than your regular "employees'; a. You maintain an ownership interest of more (5) Expenses incurred by "employees" than 50% in such subsidiary on the first day including transportation and of the policy period; and accommodations; b. Such subsidiary is not an insured under similar other insurance. 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission. Page 8 of 14 Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Insured Copy Z2FJ636703 01 5701697 No such subsidiary is an insured for "bodily injury" or "property damage' that occurred, or "personal and advertising injury" caused by an offense committed: c. Before you maintained an ownership interest or more than 50% in such subsidiary; or d. After the date, if any, during the policy period that you no longer maintain an ownership interest of more than 50% in such subsidiary. 4. Newly Acquired or Formed Organizations — 180 Days SECTION II — WHO IS AN INSURED, paragraph 3.a. is replaced by the following: a. Coverage under this provision is afforded only until the 1801' day after you acquire or form the organization or the end of the policy period, whichever is earlier. I. Limits of Insurance Amended General Aggregate Limits of Insurance Per Location The following is added to SECTION III — LIMITS OF INSURANCE: The General Aggregate Limits of Insurance apply separately to each of your "locations' owned by or rented to you. "Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. J. Blanket Waiver of Subrogation The following is added to SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS, 8. Transfer of Rights of Recovery Against Others to Us: We waive any right of recovery we may have against any person or organization with whom you have a written contract, agreement or permit to waive any rights of recovery against such person or organization because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization and included in the "products -completed operations hazard". This condition does not apply to Medical Expenses Coverage. K. Unintentional Failure to Disclose Hazards existing as of the inception date of the policy provided such failure is not intentional. L. Unintentional Failure to Notify/Knowledge of an Occurrence The following is added to SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS, 2. Duties in the Event of Occurrence, Offense, Claim or Suit, paragraph a.: Your rights afforded under this Coverage Part shall not be prejudiced if you fail to give us notice of an "occurrence", offense, claim or "suit", solely due to your reasonable and documented belief that the "bodily injury", "property damage' or "personal and advertising injury" is not covered under this Coverage Part. Knowledge of an `occurrence' or offense by an agent or "employee' of the insured will not constitute knowledge by the insured, unless an "executive officer" of the insured knows about such 'occurrence' or offense. Failure of an agent or "employee" of the insured, other than an "executive officer' of the insured, to notify us of an "occurrence' or offense that such person knows about will not affect the insurance afforded to you. M. Medical Payments — Three Years to Report SECTION I — COVERAGES, COVERAGE C — MEDICAL PAYMENTS, 1. Insuring Agreement, paragraph a.(3)(b) is replaced by the following: (b) The expenses are incurred and reported to us within three years of the date of the accident; and SECTION III —ADDITIONAL CONDITIONS The following are added to SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS: A. Liberalization If, within 45 days prior to or during the policy period, we adopt any revision that would broaden the coverage under this policy without additional premium, the broadened coverage will immediately apply to this policy. B. Concealment, Misrepresentation or Fraud This policy is void in any case of fraud by you as it relates to this policy at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This policy; SECTION IV — COMMERCIAL GENERAL 2. The Covered Property; LIABILITY CONDITIONS, 6. Representations is 3. Your interest in the Covered Property; or replaced by the following: 4. A claim under this policy. 6. Representations C. Insurance Under Two or More Coverages We will not disclaim coverage under this Coverage Part if you fail to disclose all hazards 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission. Page 9 of 14 Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Insured Copy Z2FJ636703 01 5701697 It is our stated intent that the various Coverage Parts, forms, endorsements or policies issued to the named insured by us, or any company affiliated with us, do not provide any duplication or overlap of coverage for the same claim, "suit", "occurrence", offense, accident, "wrongful act" or loss. We will not pay more than the actual amount of the loss or damage. If this Coverage Part and any other Coverage Part, form, endorsement or policy issued to the named insured by us, or any company affiliated with us, apply to the same claim, "suit", occurrence, offense, accident, "wrongful act" or loss, the maximum Limit of Insurance under all such Coverage Parts, forms, endorsements or policies combined shall not exceed the highest applicable Limit of Insurance under any one Coverage Part, form, endorsement or policy. This condition does not apply to any Excess or Umbrella Policy issued by us specifically to apply as excess insurance over this policy. SECTION IV — EXCLUSIONS A. The following are added to SECTION I — COVERAGES, COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions and SECTION I — COVERAGES, COVERAGE B — PERSONAL AND ADVERTISING INJURY, 2. Exclusions: Access Or Disclosure Of Confidential Or Personal Information And Data -related Liability Damages arising out of: (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of that which is described in paragraphs (1) or (2) above. However, unless paragraph (1) above applies, this exclusion does not apply to damages because of "bodily injury". As used in this exclusion, electronic data means information, facts or computer programs stored as or on, created or used on, or transmitted to or from computer software including systems and applications software), on hard or floppy disks, CD- ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment. The term computer programs, referred to in the foregoing description of electronic data, means a set of related electronic instructions which direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve or send data. Aircraft Products, Grounding and Testing (1) "Bodily injury", "property damage" or "personal and advertising injury" arising out of: (a) "Aircraft products" or reliance upon any representation or warranty made with such product; (b) The "grounding" of any aircraft; or (c) The "testing" of any aircraft. (2) For purposes of this Exclusion, the following definitions apply: (a) "Aircraft Products" means: (i) Aircraft, including but not limited to missiles, spacecraft, or any other aircraft goods or products you manufacture, sell, handle or distribute; (ii) Aircraft and any ground support or control equipment used in connection therewith; (iii) Any product provided by the insured and installed or used in connection with any aircraft; (iv) Any tooling used in respect to any aircraft; (v) Training and navigational aids, instructions, manuals, blueprints, engineering or other data in connection with any aircraft; (vi) Any advice, service or labor supplied with any aircraft; or (vii)Services you or others trading under your name provide or recommend for use in the manufacture, repair, operation, maintenance or use of any aircraft. (b) "Grounding" means the withdrawal of one or more aircraft from flight operations or the imposition of speed, passenger or load restrictions on such aircraft, due to the existence of or alleged or suspected existence of any defect, fault or condition: (i) In such aircraft or any part sold, handled or distributed by you or that is manufactured, assembled or 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission. Page 10 of 14 Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Insured Copy Z21F J636703 01 5701697 processed by any other person or organization according to your specifications, plans, suggestions, orders or drawings; or (ii) With tools, machinery or other equipment furnished to such persons or organizations by you; whether such withdrawn aircraft are owned or operated by the same or different persons or organizations. "Grounding" shall be deemed to commence on the date of an "occurrence" which discloses the necessity of "grounding" or on the date an aircraft is first withdrawn from service because of such condition, whichever comes first. (c) "Testing" means examination, observation, evaluation or measuring of the performance of "aircraft products", while either in the air or on the ground. Professional Services "Bodily injury", "property damage", or "personal and advertising injury" caused by the rendering of or failure to render any professional service, advice or instruction: (1) By any insured; or (2) On behalf of any insured; or (3) From whom any insured assumed liability by reason of a contract or agreement, regardless of whether any such service, advice or instruction is ordinary to any insured's profession. Professional services include but are not limited to: (4) Legal, accounting or advertising services, notary, title abstract, tax preparation, real estate, stockbroker, publishing, architects or insurance services; (5) Preparing, approving, or failing to prepare or approve maps, drawings, opinions, reports, surveys, change orders, designs or specifications; (6) Supervisory, inspection or engineering services; (7) Any medical, surgical, dental, x-ray, nursing, health or therapeutic services, treatment, advice or instruction including, but not limited to, the prescribing, furnishing or dispensing of drugs; (8) Any service, treatment, advice or instruction for the purpose of appearance or skin enhancement, hair removal or replacement or personal grooming, including body piercing services or use or exposure to any sun lamp, tanning booth or other similar appliance; (9) Optometry or optical or hearing aid services including the prescribing, preparation, fitting, demonstration or distribution of ophthalmic lenses and similar products or hearing aid devices; (10) Services in the practice of pharmacy; (11) Management, Human Resource, Testing, Media or Public Relations consulting services. This exclusion applies even if a claim alleges negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "occurrence" which caused the "bodily injury" or "property damage", or the offense which caused the "personal and advertising injury", involved the rendering of or failure to render any professional service. Unmanned Aircraft (1) "Bodily injury", "property damage" or "personal and advertising injury" arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading and unloading". This paragraph applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" or the offense which caused the "personal and advertising injury" involved the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". This paragraph does not apply to: (a) The use of another's advertising idea in your "advertisement"; or (b) Infringing upon another's copyright, trade dress or slogan in your "advertisement". (2) For purposes of this endorsement, the following is added to SECTION V — DEFINITIONS: "Unmanned aircraft" means an aircraft that is not: (a) Designed; (b) Manufactured; or (c) Modified after manufacture; to be controlled directly by a person from within or on the aircraft. B. The following is added to SECTION I — COVERAGES, COVERAGE A— BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions and SECTION I — COVERAGES, COVERAGE C — MEDICAL PAYMENTS, 2. Exclusions: Nuclear Energy Liability 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission. Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Page 11 of 14 Insured Copy Z21F J636703 01 5701697 (1) "Bodily injury" or "property damage": (a) With respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by the Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters or Nuclear Insurance Association of Canada, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or (b) Resulting from the "hazardous properties" of "nuclear material" and with respect to which: (i) Any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof; or (ii) The insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. (2) Under COVERAGE C — MEDICAL PAYMENTS, expenses incurred with respect to "bodily injury" resulting from the "hazardous properties" of "nuclear material" and arising out of the operation of a "nuclear facility" by any person or organization. (3) "Bodily injury" or "property damage" resulting from the "hazardous properties" of the "nuclear material'; if: (a) The "nuclear material": (i) Is at any "nuclear facility" owned by, or operated by or on behalf of, an insured; or (ii) Has been. discharged or dispersed therefrom; (b) The "nuclear material" is contained in "spent fuel" or "waste" at any time possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an insured; or (c) The "bodily injury" or "property damage" arises out of the furnishing by an insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nuclear facility'; but if such facility is located within the United States of America, its territories or possessions or Canada, this Exclusion (3) applies only to "property damage" to such "nuclear facility" and any property thereat. (4) As used in this exclusion: (a) "By-product material" has the meaning given it in the Atomic Energy Act of 1954 or in any law amendatory thereof; (b) "Hazardous properties" include radioactive, toxic or explosive properties; (c) "Nuclear facility" means: (i) Any "nuclear reactor'; (ii) Any equipment or device designed or used for: 1) Separating the isotopes of uranium or plutonium; 2) Processing or utilizing "spent fuel"; or 3) Handling, processing or packaging "waste"; (iii) Any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; (iv) Any structure, basin, excavation, premises or place prepared or used for the storage or disposal of "waste"; and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations; (d) "Nuclear material" means "source material", "special nuclear material" or "by- product material"; (e) "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material; (f) "Property damage" includes all forms of radioactive contamination of property. (g) "Source material" has the meaning given it in the Atomic Energy Act of 1954 or in any law amendatory thereof; (h) "Special nuclear material" has the meaning given it in the Atomic Energy Act of 1954 or in any law amendatory thereof; 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Page 12 of 14 Insured Copy Z2F J636703 01 5701697 (i) "Spent fuel' means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor"; Q) "Waste" means any waste material: (i) Containing "by-product material" other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its "source material' content; and (ii) Resulting from the operation by any person or organization of any "nuclear facility" included under paragraphs (i) and (ii) of the definition of "nuclear facility". C. Amended Exclusion With Coverage Extension SECTION I — COVERAGES, COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2. Exclusions, g. Aircraft, Auto or Watercraft is replaced by the following: g. Aircraft (Other Than Unmanned Aircraft), Auto or Watercraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft"), "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". This paragraph g. applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury' or "property damage" involved the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft"), "auto" or watercraft that is owned or operated by or rented or loaned to any insured. This paragraph g. does not apply to: (a) A watercraft while ashore on premises you own or rent; (b) A watercraft you do not own that is: (i) Less than 51 feet long; and (ii) Not being used to carry persons or property for a charge; (c) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; or use of aircraft (other than "unmanned - aircraft") or watercraft; or (e) 'Bodily injury' or "property damage" arising out of: (i) The operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where it is licensed or principally garaged; or (ii) The operation of any of the following machinery or equipment: 1) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and 2) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well -servicing equipment; or (f) An aircraft (other than "unmanned aircraft") that is: (i) Chartered by, loaned to, or hired by you with a paid crew; and (ii) Not owned by any insured. SECTION V — AMENDED DEFINITIONS A. SECTION V — DEFINITIONS, 3. 'Bodily injury', 16. "Products — completed operations hazard", and 17. "Property damage" are replaced by the following: 3. 'Bodily injury' means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time. "Bodily injury' includes mental anguish or other mental injury resulting from "bodily injury". 16. '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. (d) Liability assumed under any "insured (b) When all of the work to be done at contract' for the ownership, maintenance the job site has been completed if 822-0001 08 19 Includes copyrighted material of the Insurance Services Office Inc., with its permission„ Page 13 of 14 Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Insured Copy Z2F J636703 01 5701697 your contract calls for work at more than one job site. (c) When that part of the work done at the job site has been put to its intended use by any other 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. The "bodily injury" or "property damage" must occur away from premises you own or rent, unless your business includes the selling, handling or distribution of "your product" for consumption on premises you own or rent. 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 822-0001 08 19 unloading" of that vehicle by any insured; or (2) The existence of tools, uninstalled equipment or abandoned or unused materials. 17. "Property damage" means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the "occurrence" that caused it. For the purposes of this insurance, electronic data is not tangible property. As used in this definition, electronic data means information, facts or programs stored as, 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. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. Includes copyrighted material of the Insurance Services Office Inc., with its permission Copyright 2019 The Hanover Insurance Company. All Rights Reserved. Page 14 of 14 Insured Copy