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PROOF OF INSURANCE (2026)AC"R " CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDDIYYYY) 8/25/2025 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER AssuredPartners Design Professionals Insurance Services, LLC 3697 Mt. Diablo Blvd Suite 230 Lafayette CA 94549 CONTACT NAME: AnnlOwens PHONE FAX AIC No Ext : 510-272-1465 AIC, No AI ADDRESS: CertsDesignPro@AssuredPartners.com INSURER(S) AFFORDING COVERAGE NAIC # INSURER A: BERKLEY INSURANCE COMPANY 32603 License#: 6003745 INSURED MIGINCO-01 MIG, Inc. Moore lacofano Goltsman, Inc. INSURER B: Travelers Property Casualty Company of America 25674 INsuRERc: The Travelers Indemnity Company of Connecticut 25682 INSURER D : National Indemnity Company 20087 800 Hearst Ave Berkeley CA 94710 INSURER E : Twin City Fire Insurance Company 29459 INSURER F : COVERAGES CERTIFICATE NUMBER: 1305524274 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR OF INSURANCE ADDLSUBRTYPE INSD WVD POLICY NUMBER POLICY EFF MM DDIIYYYY POLICY EXP MM DD LIMITS B X COMMERCIAL GENERAL LIABILITY Y Y 6801H899998 8/31/2025 8/31/2026 EACH OCCURRENCE $1,000,000 FIVI CLAIMS -MADE OCCUR DAMAGE TO RENTED PREMISES Ea occurrence 1 $ 000,000 X MED EXP (Any one person) $ 10,000 Contractual Liab Included PERSONAL & ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 � PECOT- LOC PPOLICY PRODUCTS - COMP/OP AGG $ 2,000,000 $ OTHER: C AUTOMOBILE LIABILITY Y Y BAOS579947 8/31/2025 8/31/2026 COMBINED SINGLE LIMIT Ea accident $1,000,000 BODILY INJURY (Per person) $ X ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY (Per accident) $ PROPERTY DAMAGE Per accident $ X HIRED LNON-OWNED AUTOS ONLY AUTOS ONLY B X UMBRELLALIAB X OCCUR Y Y CUPOH758762 8/31/2025 8/31/2026 EACH OCCURRENCE $10,000,000 AGGREGATE $ 10,000,000 EXCESS LIAB CLAIMS -MADE DED X RETENTION $ n $ B WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N ANYPROPRIETOR/PARTNER/EXECUTIVE N Y U1321_553909 8/31/2025 8/31/2026 X PER STATUTE OTH- ER E.L. EACH ACCIDENT $ 1,000,000 OFFICER/MEMBER EXCLUDED? NIA E.L. DISEASE - EA EMPLOYEE $ 1,000,000 (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ 1,000,000 A Professional Liab & Contr.Poll AEC909023107 8/31/2025 8/31/2026 Per Claim/$5,000,000 $5,000,000/Aggr D E Drone Liability Cyber Liability 9004014 57MB035552025 8/31/2025 8/31/2025 8/31/2026 8/31/2026 Limit Limit $1,000,000 $1,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) The following policies are included in the underlying schedule of insurance for umbrella/excess liability: General Liability/Auto Liability/Employers Liability/Employee Benefits Liability. RE: All Operations of the Named Insured City of El Segundo, its officials and employees are named as an additional insured as respects general liability and auto liability as required per written contract. General Liability is Primary/Non-Contributory per policy form wording. CERTIFICATE HOLDER CANCELLATION 30 Day Notice of Cancellation SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of El Segundo ACCORDANCE WITH THE POLICY PROVISIONS. Smokey Hollow SP Attn: Michael Allen AUTHORIZED REPRESENTATIVE 350 Main Street El Segundo CA 90245 . . .. w ., ACORD 25 (2016/03) @ 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD Policy Number: BAOS579947 COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY WITH OTHER INSURANCE This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM PROVISIONS 1. The following is added to Paragraph A.1.c., Who Is An Insured, of SECTION II — COVERED AUTOS LIABILITY COVERAGE: This includes any person or organization who you are required under a written contract or agreement between you and that person or organization, that is signed by you before the "bodily injury" or "property damage" occurs and that is in effect during the policy period, to name as an additional insured for Covered Autos Liability Coverage, but only for damages to which this insurance applies and only to the extent of that person's or organization's liability for the conduct of another "insured". The following is added to Paragraph B.S., Other Insurance of SECTION IV — BUSINESS AUTO CONDITIONS: Regardless of the provisions of paragraph a. and paragraph d. of this part 5. Other Insurance, this insurance is primary to and non-contributory with applicable other insurance under which an additional insured person or organization is the first named insured when the written contract or agreement between you and that person or organization, that is signed by you before the "bodily injury" or "property damage" occurs and that is in effect during the policy period, requires this insurance to be primary and non-contributory. CA T4 74 02 16 © 2016 The Travelers Indemnity Company. All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc. with its permission. POLICY NUMBER: BAOS579947 COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM GENERAL DESCRIPTION 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 the Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general cover- age description only. Limitations and exclusions may apply to these coverages. Read all the provisions of this en- dorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered. A. BROAD FORM NAMED INSURED B. BLANKET ADDITIONAL INSURED C. EMPLOYEE HIRED AUTO D. EMPLOYEES AS INSURED E. SUPPLEMENTARY PAYMENTS — INCREASED LIMITS F. HIRED AUTO — LIMITED WORLDWIDE COV- ERAGE — INDEMNITY BASIS G. WAIVER OF DEDUCTIBLE — GLASS PROVISIONS A. BROAD FORM NAMED INSURED The following is added to Paragraph A.1., Who Is An Insured, of SECTION II — COVERED AUTOS LIABILITY COVERAGE: Any organization you newly acquire or form dur- ing the policy period over which you maintain 50% or more ownership interest and that is not separately insured for Business Auto Coverage. Coverage under this provision is afforded only un- til the 180th day after you acquire or form the or- ganization or the end of the policy period, which- ever is earlier. B. BLANKET ADDITIONAL INSURED The following is added to Paragraph c. in A.1., Who Is An Insured, of SECTION II — COVERED AUTOS LIABILITY COVERAGE: Any person or organization who is required under a written contract or agreement between you and that person or organization, that is signed and executed by you before the "bodily injury" or "property damage" occurs and that is in effect during the policy period, to be named as an addi- tional insured is an "insured" for Covered Autos Liability Coverage, but only for damages to which H. HIRED AUTO PHYSICAL DAMAGE — LOSS OF USE — INCREASED LIMIT I. PHYSICAL DAMAGE — TRANSPORTATION EXPENSES — INCREASED LIMIT J. PERSONAL PROPERTY K. AIRBAGS L. NOTICE AND KNOWLEDGE OF ACCIDENT OR LOSS M. BLANKET WAIVER OF SUBROGATION N. UNINTENTIONAL ERRORS OR OMISSIONS this insurance applies and only to the extent that person or organization qualifies as an "insured" under the Who Is An Insured provision contained in Section II. C. EMPLOYEE HIRED AUTO 1. The following is added to Paragraph A.1., Who Is An Insured, of SECTION II — COV- ERED AUTOS LIABILITY COVERAGE: An "employee" of yours is an "insured" while operating an "auto" hired or rented under a contract or agreement in an "employee's" name, with your permission, while performing duties related to the conduct of your busi- ness. 2. The following replaces Paragraph b. in B.5., Other Insurance, of SECTION IV — BUSI- NESS AUTO CONDITIONS: b. For Hired Auto Physical Damage Cover- age, the following are deemed to be cov- ered "autos" you own: (1) Any covered "auto" you lease, hire, rent or borrow: and (2) Any covered "auto" hired or rented by your "employee" under a contract in an "employee's" name, with your CA T3 53 02 15 © 2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 4 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL AUTO permission, while performing duties related to the conduct of your busi- ness. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". D. EMPLOYEES AS INSURED The following is added to Paragraph A.1., Who Is An Insured. of SECTION II — COVERED AUTOS LIABILITY COVERAGE: Any "employee" of yours is an "insured" while us- ing a covered "auto" you don't own, hire or borrow in your business or your personal affairs. E. SUPPLEMENTARY PAYMENTS — INCREASED LIMITS 1. The following replaces Paragraph A.2.a.(2), of SECTION II — COVERED AUTOS LIABIL- ITY COVERAGE: (2) Up to $3,000 for cost of bail bonds (in- cluding bonds for related traffic law viola- tions) required because of an "accident" we cover. We do not have to furnish these bonds. 2. The following replaces Paragraph A.2.a.(4), of SECTION II — COVERED AUTOS LIABIL- ITY COVERAGE: (a) With respect to any claim made or "suit" brought outside the United States of America, the territories and possessions of the United States of America, Puerto Rico and Canada: (i) You must arrange to defend the "in- sured" against, and investigate or set- tle any such claim or "suit" and keep us advised of all proceedings and ac- tions. (ii) Neither you nor any other involved "insured" will make any settlement without our consent. (iii) We may, at our discretion, participate in defending the "insured" against, or in the settlement of, any claim or "suit". (iv) We will reimburse the "insured" for sums that the "insured" legally must pay as damages because of "bodily injury" or "property damage" to which this insurance applies, that the "in- sured" pays with our consent, but only up to the limit described in Para- graph C., Limits Of Insurance, of SECTION II — COVERED AUTOS LIABILITY COVERAGE. (4) All reasonable expenses incurred by the (v) We will reimburse the "insured" for "insured" at our request, including actual the reasonable expenses incurred loss of earnings up to $500 a day be- with our consent for your investiga- cause of time off from work. tion of such claims and your defense of the "insured" against any such F. HIRED AUTO — LIMITED WORLDWIDE COV- "suit", but only up to and included ERAGE — INDEMNITY BASIS within the limit described in Para - The following replaces Subparagraph (5) in Para- graph C., Limits Of Insurance, of graph B.7., Policy Period, Coverage Territory, SECTION II — COVERED AUTOS of SECTION IV — BUSINESS AUTO CONDI- LIABILITY COVERAGE, and not in TIONS: addition to such limit. Our duty to make such payments ends when we (5) Anywhere in the world, except any country or have used up the applicable limit of jurisdiction while any trade sanction, em- insurance in payments for damages, bargo, or similar regulation imposed by the settlements or defense expenses. United States of America applies to and pro- hibits the transaction of business with or (b) This insurance is excess over any valid within such country or jurisdiction, for Cov- and collectible other insurance available ered Autos Liability Coverage for any covered to the "insured" whether primary, excess, "auto" that you lease, hire, rent or borrow contingent or on any other basis. without a driver for a period of 30 days or less (c) This insurance is not a substitute for re - and that is not an "auto" you lease, hire, rent quired or compulsory insurance in any or borrow from any of your "employees", country outside the United States, its ter - partners (if you are a partnership), members ritories and possessions, Puerto Rico and (if you are a limited liability company) or Canada. members of their households. Page 2 of 4 © 2015 The Travelers Indemnity Company. All rights reserved. CA T3 53 02 15 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL AUTO You agree to maintain all required or compulsory insurance in any such coun- try up to the minimum limits required by local law. Your failure to comply with compulsory insurance requirements will not invalidate the coverage afforded by this policy, but we will only be liable to the same extent we would have been liable had you complied with the compulsory in- surance requirements. (d) It is understood that we are not an admit- ted or authorized insurer outside the United States of America, its territories and possessions, Puerto Rico and Can- ada. We assume no responsibility for the furnishing of certificates of insurance, or for compliance in any way with the laws of other countries relating to insurance. G. WAIVER OF DEDUCTIBLE — GLASS (2) In or on your covered "auto". This coverage applies only in the event of a total theft of your covered "auto". No deductibles apply to this Personal Property coverage. K. AIRBAGS The following is added to Paragraph B.3., Exclu- sions, of SECTION III — PHYSICAL DAMAGE COVERAGE: Exclusion 3.a. does not apply to "loss" to one or more airbags in a covered "auto" you own that in- flate due to a cause other than a cause of "loss" set forth in Paragraphs A.1.b. and A.1.c., but only: a. If that "auto" is a covered "auto" for Compre- hensive Coverage under this policy; b. The airbags are not covered under any war- ranty; and The following is added to Paragraph D., Deducti- ble, of SECTION III — PHYSICAL DAMAGE COVERAGE: No deductible for a covered "auto" will apply to L. glass damage if the glass is repaired rather than replaced. H. HIRED AUTO PHYSICAL DAMAGE — LOSS OF USE — INCREASED LIMIT The following replaces the last sentence of Para- graph A.4.b., Loss Of Use Expenses, of SEC- TION III — PHYSICAL DAMAGE COVERAGE: However, the most we will pay for any expenses for loss of use is $65 per day, to a maximum of $750 for any one "accident". I. PHYSICAL DAMAGE — TRANSPORTATION EXPENSES — INCREASED LIMIT The following replaces the first sentence in Para- graph A.4.a., Transportation Expenses, of SECTION III — PHYSICAL DAMAGE COVER- AGE: We will pay up to $50 per day to a maximum of $1,500 for temporary transportation expense in- curred by you because of the total theft of a cov- ered "auto" of the private passenger type. J. PERSONAL PROPERTY The following is added to Paragraph A.4., Cover- age Extensions, of SECTION III — PHYSICAL DAMAGE COVERAGE: Personal Property We will pay up to $400 for "loss" to wearing ap- parel and other personal property which is: (1) Owned by an "insured"; and c. The airbags were not intentionally inflated. We will pay up to a maximum of $1,000 for any one "loss". NOTICE AND KNOWLEDGE OF ACCIDENT OR LOSS The following is added to Paragraph A.2.a., of SECTION IV — BUSINESS AUTO CONDITIONS: Your duty to give us or our authorized representa- tive prompt notice of the "accident" or "loss" ap- plies only when the "accident" or "loss" is known to: (a) You (if you are an individual); (b) A partner (if you are a partnership); (c) A member (if you are a limited liability com- pany); (d) An executive officer, director or insurance manager (if you are a corporation or other or- ganization); or (e) Any "employee" authorized by you to give no- tice of the "accident" or "loss". M. BLANKET WAIVER OF SUBROGATION The following replaces Paragraph A.S., Transfer Of Rights Of Recovery Against Others To Us, of SECTION IV — BUSINESS AUTO CONDI- TIONS: S. Transfer Of Rights Of Recovery Against Others To Us We waive any right of recovery we may have against any person or organization to the ex- tent required of you by a written contract signed and executed prior to any "accident" or "loss", provided that the "accident" or "loss" arises out of operations contemplated by CA T3 53 02 15 © 2015 The Travelers Indemnity Company. All rights reserved. Page 3 of 4 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL AUTO such contract. The waiver applies only to the person or organization designated in such contract. N. UNINTENTIONAL ERRORS OR OMISSIONS The following is added to Paragraph B.2., Con- cealment, Misrepresentation, Or Fraud, of SECTION IV — BUSINESS AUTO CONDITIONS: The unintentional omission of, or unintentional error in, any information given by you shall not prejudice your rights under this insurance. How- ever this provision does not affect our right to col- lect additional premium or exercise our right of cancellation or non -renewal. Page 4 of 4 © 2015 The Travelers Indemnity Compa ny. All rights reserved . CA T3 53 02 15 Includes copyrighted material of Insurance Services Office, Inc. with its permission. POLICY NUMBER: S8O1HO00OQO COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDIT��U��U��U INSURED ��y�� LESSEES �� IONAL nn��n�»~u�~ nn��n`��~�� ~ n�'mmn��~n`��, �~�~��~�~�� n��n`� CONTR�� SCHEDULED �� ACTORS �� n`�� ~� ��`�n� `�� ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Names of Additional Insured Person(s) or Organization(s): Any person ororganization that you agree inawritten contract toinclude aaanadditional insured on this Coverage Part, provided that such written contract was signed by you before,and is in effect when, the "bodily injury" or"property damage" occurs or the "personal injury" or "advertising injury" offense is committed. Location mfCovered Operations: Any project tovvhioha written contract with the Additional Insured Person(s) or Organization(s) in the Schedule applies. (Information required to complete this Schedule, if not shown above, will be shown in the Declarations.) A. Section U —VVho Is An Insured is amended to in- clude as an additional insured the person(s) or organization(s) shown in the Sohedu|e, but only with respect to liability for "bodily injury". "property damage". "personal irjury^ or "advertising injury" oaused, in whole or in part, by: 1. Your acts oromissions; or 2. The acts oromissions ofthose acting onyour behalf; in the performance of your ongoing operations for the additional insured(s) at the location(s) desig- nab*dobove. B. With respect to the insurance afforded to these additional insuneds, the following additional exclu- sions This insurance does not apply to"bodily injury" or "property damage" nocuning, or "personal injury^ or "advertising irjury^ arising out of an offense committed, after: 1. All work, including mabaha|a, pods or *quip- mentfurnished in connection with such work, on the project (other than aomioe, mainte- nance or repairs) to be performed by or on behalf ofthe additional insured(s) at the loca- tion of the covered operations has been com- pleted; 2. That portion of "your work out of which the injury ordamage arises has been put tnits in- tended use by any person or organization other than another contractor orsubcontrac- tor engaged in performing operations for a principal asapart ofthe same project. Copyrght20O5 The St. Paul Travelers Companies. Inc. All rights reserved. Page 1 of 1 POLICY NUMBER: O8O1HO00OQO COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY' This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Porson(s)OrOrgan izotmn(s): Any person or organization that you agree in a written contract to include as an additional insured on this Coverage Part for "bodily injury" or "property damage" included in the prod u cts-co rn pleted operations hazard, provided that such contract was signed by you before, and is in effect when, the "bodily injury or "property damage" occurs. Location And Description Of Completed Operations Any project to which a written contract with the Additional Insured Person(s) or Organization(s) in the Schedule applies. Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Section U —VV|o Is An Insured is amended to in- clude as an additional insured the person(s) or or- ganization(s) shown in the Schedu|e, but only with reaped to liability for "bodily injury" or "property dam- age" oaused, in whole or in pad. by "your work" at the location designated and described inthe schedule of this endorsement performed for that additional in- sured and included inthe "ponducts-comp|etedopera- tions hazard" co Ta 04 08 25 @ ISO Properties, Inc., 2004 Page 1 of 1 Policy # 6801 H899998 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. XTEND ENDORSEMENT FOR ARCHITECTS, ENGINEERS AND SURVEYORS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART GENERAL DESCRIPTION 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 provisions 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 B. Who Is An Insured — Unnamed Subsidiaries C. Who Is An Insured — Retired Partners, Members, Directors And Employees D. Who Is An Insured — Employees And Volunteer Workers — Bodily Injury To Co -Employees, Co - Volunteer Workers And Retired Partners, Members, Directors And Employees E. Who Is An Insured — Newly Acquired Or Formed Limited Liability Companies F. Blanket Additional Insured — Controlling Interest G. Blanket Additional Insured — Mortgagees, Assignees, Successors Or Receivers PROVISIONS A. NON -OWNED WATERCRAFT — 75 FEET LONG OR LESS 1. The following replaces Paragraph (2) of Exclusion g., Aircraft, Auto Or Watercraft, in Paragraph 2. of SECTION I — COVERAGES — COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY: (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; 2. The following replaces Paragraph 2.e. of SECTION II —WHO IS AN INSURED: e. Any person or organization that, with your express or implied consent, either H. Blanket Additional Insured — Governmental Entities — Permits Or Authorizations Relating To Premises I. Blanket Additional Insured — Governmental Entities — Permits Or Authorizations Relating To Operations J. Incidental Medical Malpractice K. Medical Payments — Increased Limit L. Amendment Of Excess Insurance Condition — Professional Liability M. Blanket Waiver Of Subrogation — When Required By Written Contract Or Agreement N. Contractual Liability — Railroads uses or 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; B. WHO IS AN INSURED — UNNAMED SUBSIDIARIES The following is added to SECTION II — WHO IS AN INSURED: Any of your subsidiaries, other than a partnership or joint venture, that is not shown as a Named Insured in the Declarations is a Named Insured if: a. You are the sole owner of, or maintain an ownership interest of more than 50% in, such subsidiary on the first day of the policy period; and CG D3 79 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 6 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY b. Such subsidiary is not an insured under similar other insurance. No such subsidiary is an insured for "bodily injury" or "property damage" that occurred, or "personal and advertising injury" caused by an offense committed: a. Before you maintained an ownership interest of more than 50% in such subsidiary; or b. After the date, if any, during the policy period that you no longer maintain an ownership interest of more than 50% in such subsidiary. For purposes of Paragraph 1. of Section II —Who Is An Insured, each such subsidiary 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. C. WHO IS AN INSURED — RETIRED PARTNERS, MEMBERS, DIRECTORS AND EMPLOYEES The following is added to Paragraph 2. of SECTION II — WHO IS AN INSURED: Any person who is your retired partner, member, director or "employee" that is performing services for you under your direct supervision, but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, no such retired partner, member, director or "employee" is an insured for: (1) "Bodily injury': (a) To you, to your current partners or members (if you are a partnership or joint venture), to your current members (if you are a limited liability company) or to your current directors; (b) To the spouse, child, parent, brother or sister of that current partner, member or director 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 (b) 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 retired partners, members, directors or "employees", other than a doctor. Any such retired partners, members, directors or "employees" 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) "Personal injury": (a) To you, to your current or retired partners or members (if you are a partnership or joint venture), to your current or retired members (if you are a limited liability company), to your other current or retired directors or "employees" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that current or retired partner, member, director, "employee" or "volunteer worker" as a consequence of Paragraph (2)(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 (2)(a) or (b) above; or (d) Arising out of his or her providing or failing to provide professional health care services. (3) "Property damage" to property: (a) Owned, occupied or used by; or (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 retired partners, members or directors, your current or retired "employees" or "volunteer workers", any current partner or member (if you are a partnership or joint venture), or any current member (if you are a limited liability company) or current director. Page 2 of 6 © 2017 The Travelers Indemnity Company. All rights reserved. CG D3 79 02 19 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY D. WHO IS AN INSURED — EMPLOYEES AND VOLUNTEER WORKERS — BODILY INJURY TO CO -EMPLOYEES, CO -VOLUNTEER WORKERS AND RETIRED PARTNERS, MEMBERS, DIRECTORS AND EMPLOYEES The following is added to Paragraph 2.a.(1) of SECTION II —WHO IS AN INSURED: Paragraphs (1)(a), (b) and (c) above do not apply to "bodily injury" to a current or retired co - "employee" while in the course of the co - "employee's" employment by you or performing duties related to the conduct of your business, or to "bodily injury" to your other "volunteer workers" or retired partners, members or directors while performing duties related to the conduct of your business. E. WHO IS AN INSURED —NEWLY ACQUIRED OR FORMED LIMITED LIABILITY COMPANIES The following replaces Paragraph 3. of SECTION II —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, if you do not report such organization in writing to us within 180 days after you acquire or form it; or (2) Until the end of the policy period, when that date is later than 180 days after you acquire or form such organization, if you report such 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 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: 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. F. BLANKET ADDITIONAL INSURED — CONTROLLING INTEREST 1. The following is added to SECTION II — 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. 2. 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. G. BLANKET ADDITIONAL INSURED — MORTGAGEES, ASSIGNEES, SUCCESSORS OR RECEIVERS The following is added to SECTION II — WHO IS 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 liability as mortgagee, assignee, successor or 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, CG D3 79 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 3 of 6 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY subsequent to the signing of that contract or openings, sidewalk vaults, elevators, street agreement; and banners or decorations. b. Arises out of the ownership, maintenance or I. BLANKET ADDITIONAL INSURED — use of the premises for which that GOVERNMENTAL ENTITIES — PERMITS mortgagee, assignee, successor or receiver OR AUTHORIZATIONS RELATING TO is required under that contract or agreement OPERATIONS to be included as an additional insured on The following is added to SECTION II — WHO IS this Coverage Part. AN INSURED: 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 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 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. H. BLANKET ADDITIONAL INSURED — GOVERNMENTAL ENTITIES — PERMITS OR AUTHORIZATIONS RELATING TO PREMISES The following is added to SECTION II — WHO IS AN INSURED: 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 Part is an insured, but only with respect to liability for "bodily injury", "property 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 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". J. INCIDENTAL MEDICAL MALPRACTICE 1. The following replaces Paragraph b. of the definition of "occurrence" in the DEFINITIONS Section: b. An act or omission committed in providing or failing to provide "incidental medical services", first aid or "Good Samaritan services" to a person, unless you are in the business or occupation of providing professional health care services. 2. The following replaces the last paragraph of Paragraph 2.a.(1) of SECTION II — WHO IS AN INSURED: 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: (a) "Incidental medical services" by any of your "employees" who is a nurse, nurse assistant, emergency medical technician, paramedic, athletic trainer, audiologist, dietician, nutritionist, Page 4 of 6 © 2017 The Travelers Indemnity Company. All rights reserved. CG D3 79 02 19 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY occupational therapist or occupational therapy assistant, physical therapist or speech -language pathologist; or (b) 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. 3. The following replaces the last sentence of Paragraph 5. of SECTION III — LIMITS OF INSURANCE: For the purposes of determining the applicable Each Occurrence Limit, all related acts or omissions committed in providing or failing to provide "incidental medical services", first aid or "Good Samaritan services" to any one person will be deemed to be one "occurrence". 4. The following exclusion is added to Paragraph 2., Exclusions, of SECTION I — COVERAGES — COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY: Sale Of Pharmaceuticals "Bodily injury" or "property damage" arising out of the violation of a penal statute or ordinance relating to the sale of pharmaceuticals committed by, or with the knowledge or consent of the insured. 5. The following is added to the DEFINITIONS Section: "Incidental medical services" means: a. Medical, surgical, dental, laboratory, x- ray or nursing service or treatment, advice or instruction, or the related furnishing of food or beverages; or b. The furnishing or dispensing of drugs or medical, dental, or surgical supplies or appliances. that is available to any of your "employees" for "bodily injury" that arises out of providing or failing to provide "incidental medical services" to any person to the extent not subject to Paragraph 2.a.(1) of Section II — Who Is An Insured. K. MEDICAL PAYMENTS — INCREASED LIMIT The following replaces Paragraph 7. of SECTION III — LIMITS OF INSURANCE: 7. Subject to Paragraph 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 b. The amount shown in the Declarations of this Coverage Part for Medical Expense Limit. L. AMENDMENT OF EXCESS INSURANCE CONDITION — PROFESSIONAL LIABILITY The following is added to Paragraph 4.b., Excess Insurance, of SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS: This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis, that is Professional Liability or similar coverage, to the extent the loss is not subject to the professional services exclusion of Coverage A or Coverage B. M. BLANKET WAIVER OF SUBROGATION — WHEN REQUIRED BY WRITTEN CONTRACT OR AGREEMENT The following is added to Paragraph 8., Transfer Of Rights Of Recovery Against Others To Us, of SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS: If the insured has agreed in a written contract or agreement to waive that insured's right of recovery against any person or organization, we waive our right of recovery against such person or organization, but only for payments we make because of: 6. The following is added to Paragraph 4.b., a. "Bodily injury" or "property damage" that Excess Insurance, of SECTION IV — COMMERCIAL GENERAL LIABILITY occurs; or CONDITIONS: b. "Personal and advertising injury" caused by This insurance is excess over any valid and an offense that is committed; collectible other insurance, whether primary, subsequent to the signing of that contract or excess, contingent or on any other basis, agreement. CG D3 79 02 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 5 of 6 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY N. CONTRACTUAL LIABILITY— RAILROADS 1. The following replaces Paragraph c. of the definition of "insured contract" in the DEFINITIONS Section: c. Any easement or license agreement; 2. Paragraph f.(1) of the definition of "insured contract" in the DEFINITIONS Section is deleted. Page 6 of 6 © 2017 The Travelers Indemnity Company. All rights reserved. CG D3 79 02 19 Includes copyrighted material of Insurance Services Office, Inc. with its permission. Policy Number: 0801H809908 COMMERCIAL GENERAL LIABILITY COVERAGE FORM SECTION I — COVERAGES CovenageA— Bodik/| 'uryandPnmpedy Damage Liability e0— Personal and Advertising Injury Liability Coverage C— |nsuhngAgreement---- Exdusions--------. Insuring Agreement ............ Exclusions ......................... Insuring Agreement Supplementary Payments ............................................. --- .... SECTION U—WHO IS AN INSURED ................................... ---� SECTION III — LIMITS OF INSURANCE .............................. --- .... SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS Bankruphcy--------------------------. Duties |nThe Event CfOccurrence, Offense, Claim OrSuit ...... Legal Action Against Us ........................... ----------- Other Insurance ........................................ ---------- PremiumAudit ........ ............................... --------...... Representations ....................................... ---------...... Separation [fInsureds ............................ --------....... Transfer Of Rights OfRecoveryAgainstDdhersToUs----' VVhenVVeDoNotRenew-------------------. Beginning on Page 1 2 0, COMMERCIAL GENERAL LIABILITY Various provisions in this policy restrict coverage. Read the entire policy carefully todetermine rights, duhesand what isand isnot covered. Throughout this policy the words "ynu"and "your" refer to the Named Insured shown in the Dec|arakions, and any other person ororganization qualifying as Named Insured under this policy. The words "we". "us" and "our'refer k/the company providing this insurance. The word "insured" means any person or organization qualifying as such under 5ocdnn U — Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section \/ — Definitions. CQVERAGEA—BOD|LY|NJVRYAND 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 injuryr or"property damage" to which this insurance applies. We will have the right and duty todefend the insured against any "suit' seeking those damages. Huwever, we will have no dub' 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 discnadon, investigate any "occurrence" and settle any claim or"suiy'that may nysu|L But: (1) The amount we will pay for damages is limited as described in Section U| — Limits OfInsurance; 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 inthe "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 U —VVhV 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 occuoed, inwhole or in part. If such a listed insured orauthorized "emp|oyee"knew, prior tothe policy pe/iod, that the "bodily injury" o/ "property damage" occurred, then any condnuadon, change or resumption of such "bodily injury" or"propertydamage" during o/after the policy period will be deemed to have been known prior tnthe 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 || — Who Is An Insured or any "emp|oyee"authorized byyou togive orreceive notice of an "occurrence" or claim, includes any cVnhnuahnn, change or resumption of that "bodily injury" o/ "property damage" after the end ufthe policy period. dL "Bodily injury" or "property damage" will be deemed hohave been known tohave occurred at the earliest time when any insured listed under Paragraph 1. of Section U —VVhu Is An Insured or any "employee" authorized by you to give o/ receive notice of an "occurrence" or (1) Reports all, or any part of the "bodily injury" or "property damage" to us or any other insurer; �� Receives a written or verbal demand o/ No other obligation o/ liability to pay sums or claim for damages because of the "bodily perform acts or services is covered unless " u/yo/ ` "property ' � or explicitly provided for under Supplementary injury" Payments. 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 o/has begun tooccur. CGT1 0002 19 @oo17The Travelers Indemnity Company. All rights reserved. Page 1 of21 Includes copyrighted material mInsurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY e. Damages because of "bodily injury" include damages claimed byany person ororganization 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 C]rIntended 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 cont/act or agreement. This exclusion does not apply toliability for damages: (1) That the insured would have inthe absence of the contract or agreement, o/ (2) Assumed in a contract oragreement 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, o/ for the cost of, that pady'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 m 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 beheld liable byreason of: (1) Causing or contributing to the intoxication ofany person; ED Any sta\ute, ordinance or regulation relating to the sa|e, gUt, distribution or use of alcoholic beverages. This exclusion applies only if you are in the business of manufacturing, distribubng, seUing, serving o/ furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your pnamises, for consumption on your premises, whether or not afee is charged or license is required for such activity, is not by itself considered the business of se||ing, serving or furnishing alcoholic beverages. d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensadon, disability benefits or unemployment compensation law orany similar e. Employer's Liability "Bodily injury" to: (1) An "employee" of the insured arising out of and inthe course of: (a) Employment bythe insured; nr (b) Performing duties related to the conduct ofthe insunad'sbusiness; or (2) The spnusa, chi|d, parent, brother or sister of that "employee" as a consequence of Paragraph (1)above. This exclusion applies whether the insured may beliable asanemployer orinany other capacity and ivanyob|iga(ion1ushare damages with o/ repay someone else who must pay damages because ufthe injury. This exclusion does not apply to |i@bUhv assumed by the insured under an "insured f. Pollution (1) "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discha/ge, dispersa|, seepage, migration, release o/escape of"poUutanis": (a) At o/ from any premises' site or location which is or was at any time owned o/ occupied by, or rented o/ loaned to, any insured. However, this subparagraph does not apply to: (2) The furnishing of alcoholic beverages to a (i) "Bodily injury" if sustained within a person under the legal drinking age or building and caused by smoke, under the influence ofalcohol; or fumes, vapor or soot produced by or originating from equipment that Page 2of21 @oo17The Travelers Indemnity Company. All rights reserved. CGT1 0002 19 Includes copyrighted material mInsurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY is used to heat cool or dehumidify the bui|ding, or produced by or originating from equipment that is used to heat water for personal use by the building's occupants or their guests, (|U "Bodily injury" or "property damage" for which you may be held |iab|e, if you are a contractor and the owner o/ lessee of such premises, site o/ location has been added to you/ policy as an additional insured with respect to you/ 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 o/ occupied by, or rented o/ loaned to, any insured, other than that additional insured; or (iiiii)"Bodik/ injury" o/ "property damage" arising out of heat, smoke or fumes from a "hostile (b) At or from any premises, she or location which is or was at any time used by or for any insured or others for the hand|ing, storaga, disposa|, processing ortreatment ofwaste; (c) If such "pollutants" are or were at any time banspoded, hand|ed, stored, ireaied, disposed of, or processed as waste by or for: (U Any insured; cx (i) Any person or organization for whom you may be legally (d) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly o/ 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 insunad, contractor o/ subcontractor. However, this subparagraph does not apply to: (|) "Bodily injury" or "property damage" arising out of the escape of fuels, lubricants or other operating fluids which are needed to perform the normal e|eckica|, hydraulic or mechanical functions necessary for the operation of "mobile equipment" or its pads, if such fuels, lubricants or other operating fluids escape from a vehicle part designed tohold, 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 orother operating fluids, orifsuch fuels, lubricants orother operating fluids any 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 o/ subcontractor; (ii) "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 inconnection with operations being performed by you or on your behalf by contractor orsubcontractor; or (iiii)"Bodiky injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire": or (e) At o/ 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, moniio/, dean up, remove' con(ain, treat, detoxify or neutra|ize, or in any way respond to, or assess the effects of, "pollutants". (2) Any loss, cost mexpense arising out of (a) Request, demand, order orstatutory o/ regulatory requirement that any insured or others test for, monitor, dean up, namove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or CGT1 00O] 19 @oo17The Travelers Indemnity Company. All rights reserved. Page 3of21 COMMERCIAL GENERAL LIABILITY (b) []aim 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 neutna|idng, or in any way responding to, or assessing the effects of, "pollutants". g. Aircraft, Auto OrWatercraft "Bodily injury" or"property damage" arising out of the mwnership, mainienance, use or entrustment to others of any aircraft, "auk)" or watercraft owned o/ operated by o/ rented or loaned to any insured. Use includes operation and "loading or unloading". This exclusion applies even J the claims against any insured allege negligence or other wrongdoing in the supen/ision, hiring, emp|oyment, training o/ monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or"propehydamage"invo|ved the mwnership, maintenance, use or entrustment to others of any aircraft. "auto" or watercraft that is owned or operated by or rented o/loaned !oany insured. This exclusion does not apply to: (1) /\ watercraft while ashore on premises you own or rent; (2) A watercraft you do not own that is: (a) 5Ufeet long oxless; and (b) Not being used (ucarry any person or property for acharge; (3) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned bvorrented or loaned to you or the insured; UW The operation of any of the machinery or equipment listed in Paragraph t(2) o/ t(3) of the definition of "mobile equipment"; or (6) An aircraft that is: (a) Chartered with apilot toany insured; (b) Not owned byany insured; and (c) Not being used hocarry any person or property for echarge. h. Mobile Equipment "Bodily injury" or "property damage" arising out (1) The transportation of "mobile equipment" by an "auto" owned or operated by o/ rented o/loaned ioany insured; or (2) The use of "mobile equipment" in, o/ while in practice fo/, or while being prepared fo/, any prearranged racing, speed' demo|ihon, or stunting activity i- War "Bodily injury" or "property damage" arising out (1) War, including undeclared mcivil war; (2) Warlike action by a military force, including action in hindering or defending against an actual o/ expected attack, by any govarnmant, sovereign or other authority using military personnel orother agents; or (3) Insurrection, rebellion, revolution, usurped powe/, o/ action taken by governmental authority in hindering or defending against any ufthese. i Damage ToProperty "Property damage" to: WA Liability assumed under any "insured contract" for maintenance �- ' (1) Property you own, rent, or occupy. use of aircraft or watercraft, including any costs or expenses incurred byyou, o/any other person, organization or (5) "Bodily injury" or "property damage" arising endty, for repair, rep|acemen(, out of: enhancement, restoration or maintenance (�) The operation of machinery or of such property for any reason including ' equipment that is attached \o' or part prevention ofinjury ioa person or damage ethatwou|d qualify as of. a land vehicle � toanother'sp/ope�y' "mobile equipment" under the definition (2) Premises you sell, give away orabandon, 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 o/ financial responsibility (3) Property loaned ioyou; |aw, o/ other motor vehicle insurance |aw, where it is licensed or principally (4) Personal property in the care, custody or garaged; or control ofthe insured; Page 4of21 @oo17The Travelers Indemnity Company. All rights reserved. CGT1 00O3 19 COMMERCIAL GENERAL LIABILITY (5) That particular part of real property on which you or any contractors or subcontractors working directly or indirectly onyour behalf are performing operations, if the "property damage" arises out of those operations; or accidental physical injury to "your product" o/ "your work" after it has been put to its intended use. n. Recall Of Products, Work OrImpaired Property [�m�g��imedf�a�|�s ��orexpense �) That particular part of any property that ` must be restonad, repaired or replaced incurred by you o/ others for the loss of use, withdrawal,recall, inspection, repair, because "your work" vv�s incorrectly ' ' ' performed onit. rep|acement, adjustment, removal or disposal Paragraphs (1)' (3) and WQ of this exclusion do not apply to "premises damage". A separate limit of insurance applies to"premises damage" as described in Paragraph G. of Section U| — Limits OfInsurance. Paragraph (2) of this exclusion does not apply if the premises are "you/ work" and were never occupied, rented or held for rental by you. Paragraphs (3). (4). (5) and (5) 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 inthe "products- comp|etadoperations 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" ho"your work" arising out of it or any part of it and included in the "products - completed operations hazard" This exclusion does not apply J the damaged work or the work out of which the damage arises was performed on your behalf by a m. Damage ToImpaired Property Or Property Not Physically Injured "Property damage" to "impaired property" or property that has not been physically injured, arising out of: (1) A defec\, deOdency, inadequacy or dangerous condition in "you/ product" or "your work"; or (2) A delay orfailure by you or anyone acting on your behalf to peMnnn a contract or agreement inaccordance with its terms. This exclusion does not apply Lothe loss of use of other property arising out of sudden and (1) "Your product", (2) "Your wo/k";o/ (3) "Impaired property"; if such product, work or property is withdrawn o/ recalled from the market or from use by any person or organization because of known o/ suspected defec1, deficiency, inadequacy or dangerous condition init. 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 toaccess, or inability to manipulate "electronic data". Howavar, this exclusion does not apply to liability for damages because of "bodily injury". q. Unsolicited Communication "Bodily injury" "property damage" arising out ofany actual uralleged violation ofany law that restricts or prohibits the sending, transmitting ordistributing Vf"unsolicited communicadVn" r. Access Or Disclosure Of Con|dhen|b*| Or Personal Information "Bodily injury" or "property damage" arising out ofany access to or disclosure of any pecson's or organizadon's confidential or personal information. s. Asbestos (1) "Bodily injury" n/"property damage" arising out of the actual or alleged presence o/ 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 ofasbestos. CGT1 00O] 19 @oo17The Travelers Indemnity Company. All rights reserved. Page Sof21 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' sooi, fumes, acids, a|ka|is, chemicals and wasba, 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 |uss, cost or expense arising out of any: (a) Requos\, demand, order or statutory or regulatory requirement that any insured or others test fo/, mnnik>/, dean up, nemove, contain, t/eat, detoxify or neutra|ize, or in anyway respond to, or assess the effects of, asbPsLos, asbestos fibers or products containing asbestos; or (b) Claim or suit by or on behalf of any governmental authority or any other person o/ organization because of testing for, mnnitnring, cleaning up. /emoving, containing, treabng, detoxifying or neutra|izing, or in any way responding to, or assessing the effects of, asbastos, asbestos fibers or products containing asbestos. t Employment -Related Practices "Bodily injury" to: (1) Aperson arising out ofany: (a) Refusal toemploy that person; (b) Termination of that person's employment; Or hd Employment -related pnacdce, policy, act or omission, such as coercion' demotion, eva|uahon, reassignment, discip|ine, failure to promote or advance, harassment, humiliation, discrimination, |ibe|, s|ande/, 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 pnac1ice, po|icy, act or omission occu/s, is applied or is committed befone, during o/ after the time ofthat pensVn'semployment; or (3) The spouse' child, parenL, 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), (t).or(c) above is directed. This exclusion applies whether the insured may be liable as an employer or in any other capacity and hoany obligation toshare damages with or repay someone else who must pay damages because ofthe "bodily injury" Exclusions c through In. do not apply to "premises damage" A separate limit of insurance applies to "premises damage" asdescribed in Paragraph 6.of Section III — Limits CfInsurance. 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. Hovvever, 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 disc/ehon, investigate any offense and settle any claim o/ "suit"that may result. But: (1) The amount we will pay for damages is limited as described in Section U| — Limits [fInsurance; and (2) Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments o/ settlements under Coverages A o/ B o/ medical expenses under Coverage C. No other obligation or liability to pay sums o/ perform ads o/ 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 6of21 @oo17The Travelers Indemnity Company. All rights reserved. CGT1 00O3 19 COMMERCIAL GENERAL LIABILITY This exclusion dues not apply to "personal injury" caused bymalicious prosecution. b. Material Published With Knowledge Of Falsity "Personal and advertising injury" arising out of oral or written pub|icahon, including publication by electronic means. of maVeria|, if done by or at the direction of the insured with knowledge of its falsity. c Material Published QrUsed Prior ToPolicy Period (1) "Personal and advertising injury" arising out of oral or written pub|icadon, including publication by electronic means, of material whose first publication took place before the beginning of the policy period; o/ (3) "Advertising injury" arising out of infringement ofcopyright, "dde"o/"s|ogan" 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 bvoratthe 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 inthe absence ofthe contract oragreement; or (2) B2[3uS2 Of "personal injury" assumed by you in a contract or agreement that is an "insured contnacC", 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 con\nact", 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 fo/, o/ for the cos! of. that pahy's defense has also been assumed by you in the same "insured contract"; and against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. t Breach OfContract "Advertising injury" arising out of a breach of g. Quality Or Performance Of Goods - Failure To Conform TmStatements "Advertising injury" arising out of the failure of goods, products o/ services to conform with any statement of quality or performance made in your "advertisement". h. Wrong Description 0fPrices "Advertising injury" arising out of the wrong description of the price of goods, products or services stated inyour "advertisement" i' Intellectual Property "Personal and advertising injury" arising out of any actual o/alleged infringement orviolation of any of the following rights or laws, or any other "personal and advertising injury" a||eged in any claim o/ "suit" that also alleges any such infringement orviolation: (1) Copyright; (2) Patent; (3) Trade dress; WQ Trade name; (5) Trademark: (6) Trade secret, o/ (7) Other intellectual property rights or laws. This exclusion does not apply to: (1) "Advertising injury" arising out of any actual o/ alleged infringement or violation of ancther's copyright, "title" or "slogan" in your "adverhsemeNt";or (2) Any other "personal and advertising injury" alleged in any claim or "suit" that also alleges any such infringement or violation ofanother's copyright, "title" or "slogan" in your "advertisement". i 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" expenses are for defense of that party ' CGT1 0002 19 @oo17The Travelers Indemnity Company. All rights reserved. Page 7of21 Includes copyrighted material mInsurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY C8 Designing or determining content of websites for others; or (3) An Internet seanch, access, content or service provider. However, this exclusion does not apply to Paragraphs a.(1)' (2) and (3) ofthe definition of "personal injury". For the purposes of this exclusion: (1) Creating and producing correspondence written in the conduct of you/ business, bulletins, financial o/ annual naports, or newsletters about you/ goods, products or services will not be considered the business ofpublishing; and (2) The placing of hames, borders o/ |inks, or adveAising, for you o/ others anywhere on the Internet will not, by itself, be considered the business of advertising. "broadcasting" or publishing. k. Electronic ChatnoornsQrBulletin Boards "Personal and advertising injury" arising out of an electronic chatrnnm or bulletin board the insured hosts o/ mmns, or over which the insured exercises control. |. Unauthorized Use 0fAnother's Name Or Product "Personal and advertising injury" arising out of the unauthorized use of anothar's name or product inyour e-mail add/ess, domain name or mebatog, or any other similar tactics to mislead anoiher'spotential customers. m. Pollution "Personal and advertising injury" arising out of the actual, alleged or threatened discharge, dispersal, seepage, mignadon, 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 nagu|ah)/y requirement that any insured or others test for, moni\o/, clean up, namnve, contoin, troat, detoxify o/ noutna|ize, or in any way respond to, or assess the effects of, "pollutants"; or neutna|tdng, or in any way responding (o.o/ assessing the effects of, "pollutants". "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 orother agents; Vr (3) Insurrection, /ebe||ion, revo|udon, usurped povve/, o/ action taken by governmental authority in hindering or defending against any ofthese. p. Unsolicited Communication "Personal and advertising injury" arising out of any actual o/ alleged violation of any law that restricts o/ prohibits the sending' transmitting o/distributing of"unsolicited communicadon" q' Access Or Disclosure Of CmnMdenita| Or Personal Information "Personal and advertising injury" arising out of any access to or disclosure of any person's or organizatiun's confidential or personal information. r. Asbestos (1) "Personal and advertising injury" arising out of the actual or alleged presence or actua|, alleged o/threatened dispersal ofasbestos, 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 o/threatened dispersal ofany solid, |iquid, gaseous or thermal irritant or contaminan\, including smoke' vapocs, soot, fumes, acids, a|ka|is, chemicals and moste, and that are part of any claim or "suit"which also alleges any "personal and advertising injury" described in Paragraph (1)above. (3) Any |oss, cost or expense arising out of (2) []aim or suit by o/ on behalf of any (a) Request, demand' order orstatutory or governmental authority or any other person regulatory requirement that any insured o/ organization because of testing for, o/ others test for, monitor, clean up, monitoring, cleaning up, vemoving, namove, contain, treat, detoxify or containing' treabng, detoxifying or neuka|ize, or in anyway respond to, o/ Page 8of21 @oo17The Travelers Indemnity Company. All rights reserved. CGT1DDO319 Includes copyrighted material mInsurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY assess the effects of, asbestos, ED Because ofyour operations; asbestos fibers or products containing provided that: asbestos; or (b) Claim or suit by or on behalf of any (a) The accident bakes place in the "coverage territory" and during the policy period; governmental authority or any other person or organization because of (h) The expenses are incurred and reported to testing for, moniVoring, cleaning up' us within one year of the date of the removing' cVniaining, treating, accident, and detoxifying or neuina|izing, o/ in any (c) The injured person submits to examinehon, way responding to, o/ assessing the atour expense, by physicians ofour choice effects of, esbesios, asbestos fibers or asoften aswereasonably require. products containing asbestos. b. We will make these payments regardless of s. Employment -Related Practices fault. These payments will not exceed the "Personal injury" to: applicable limit of insurance. We will pay reasonable expenses for: (1) Aperson arising out nfany: (1) First aid administered at the time of an (a) Refusal toemploy that person; accident, (b) Termination of that person's (2) Necessary medical, surgical, X-ray and employment; or dental services, including prosthetic (c) Employment -related prac1ice, policy, devices; and act or omission, such as coercion. (3) Necessary ambulance, hospita|, demmdmn, evaluation, reassignment. professional nursing and funeral services. discipline, failure to promote or 2. Exclusions advance, harassment, humiliation, discrimination, |ibe|, slander, violation VVawill not pay expenses for "bodily injury": of the pacson's right of privacy. a. Any Insured malicious prosecution or false anest. Toanyinsu/ad axcep�"vo|un�eerworkers" � detendonorimprisonment applied to or ' directed at that parson, regardless of b. Hired Person whether such pracdce, po|icy, act or To parson hired to do work for or on behalf of omission occurs, is applied or is any insured o/atenant ofany insured. committed bofu/o, during or after the time ofthat porson'semployment; or c. Injury On Normally Occupied Premises bro(her or sister (2) The spouse, child, parent, brother � person injured on that part of premises of that person as a consequence of you own or rent that the person normally "personal injury" to that person at whom occupies. any of the employment -related practices d. Workers' Compensation And Similar Laws described in Paragraph (a)' (b)' or � () To a person, whether or not an "employee" of above is directed. any insured, if benefits for the "bodily injury" are This exclusion applies whether the insured may payable or must be provided under a workers' beliable asanemployer orinany other capacity compensation o/ disability benefits law or a and toany obligation toshare damages with or similar law. repay someone else who must pay damages e. Athletics Activities because ofthe "personal injury" To person injured while practicing, instructing COVERAGE C—MEDICAL PAYMENTS o/ participating in any physical exercises o/ 1. Insuring Agreement games, sports, nrathletic contests. a' We will pay medical expenses as described t Products -Completed Operations Hazard below for "bodily injury" caused by an accident: Included within the "prod ucis-comp|eted (1) Onpremises you own orrent; operations hazard". (Z) [h� ways next premises own or ne/�� g. Coverage A Exclusions or Excluded under Coverage /\. CGT1 0002 19 @oo17The Travelers Indemnity Company. All rights reserved. Page yof21 Includes copyrighted material mInsurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY SUPPLEMENTARY PAYMENTS 1. We will pay, with respect to any claim we investigate or settle, urany "sub" against an insured we defend: a. All expenses weincur. b. Up8z$2.5OOfor 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 donot have tofurnish 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 tofurnish these bonds. dL 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 donot include attorneys' fees o/ attorneys' expenses tamed against the insured. t Prejudgment interest awarded against the insured on that part ofthe 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 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 pad of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of 2. If we defend an insured against a "sub" and an indemnikee 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 inclemnitee seeks damages for which the insured has assumed the liability of the indomnitoo in a contract or agreement that isan"insured contnact'; assumed by the insured in the same "insured dL The allegations inthe "suht" and the information weknow about the "occurrencc"oroffense are such that noconflict appears toexist between the interests of the insured and the interests of the indemnitee; e. The indemnhee 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 todefend the insured and the indemnitee;and t Thoindemnitee: (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 o/legal papers received inconnection with the ¢1 Notify any other insurer whose coverage isavailable tnthe indemnhaa; and (d) Cooperate with us with respect to coordinating other applicable insurance available tothe indemnitee;and (2) Provides uswith written authorization to: (a) Obtain records and other information related to the "suit"; and (b) Conduct and control the defense ofthe indemnkeeinsuch "suk.. Solong asthe above conditions are met, attorneys' fees incurred by us in the defense of that indemnihee. necessary litigation expenses incurred byusand necessary litigation expenses incurred bv the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2-b.(2) of Section | — Coverages — Cove/age A — Bodily Injury And Property Damage Liability or Paragraph 2-e. of Section | —Cove/ages —Coverage B — Personal And Advertising Injury Liabi|ity, such payments will not be deemed to bedamages for "bodily injury". "property damage" or "personal injury", and will not reduce the limits ofinsurance. b` This insurance applies tosuch liability assumed Our obligation to defend an insured's indemnitee by ' ' and to pay for attorneys' fees and necessary c. The obligation to defend. or the cost of the litigation expenses as Supplementary Payments defense of, that indemnitee, has also been ends when: Page 1Oof21 @oo17The Travelers Indemnity Company. All rights reserved. CGT1DDO319 Includes copyrighted material mInsurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY a. We have used up the applicable limit of insurance in the payment of judgments, settlements ormedical expenses; or b. The conditions set forth above, mthe terms of the agreement described in Panagnapht above' are nolonger met. SECTION U—WHO |SANINSURED 1. |fyou are designated inthe Declarations as: a. An individual, you and you/ spouse are insureds, but only with respect to the conduct ofabusiness ofwhich you are the sole owner. b. A partnership or joint venkuna, you are an insured. Your membors, your paMners, and their spouses are also insu/eds, but only with respect tothe conduct nfyour business. c. A|imited liability company, you are an insured. Your members are also insu/eds, but only with respect to the conduct of your business. Your managers are insu^eds, but only with respect to their duties asyour 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 you/ officers or directors. You/ stockholders are also insureds, but only with respect totheir liability asstockholders. e. /\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 dudes related to the conduct of your business' or your "emp|oyees", other than either your "executive officers" (if you any an organization other than a partnership, joint venture or limited liability company) oryour managers (if you are a limited liability cumpany), but only for acts within the scope of their employment by you or while performing dudes related to the conduct of you/ business. Hmwever, none of these "employees" o/ "volunteer workers" are insureds for: (1) "Bodily injury" or"personal injuryr: (a) To you, to your partners or members (if you are a partnership o/ joint manture), to your members (J 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 workers" while performing duties related to the conduct of your (b) Tothe spouse, chi|d, parent, brother or sister of that co -"employee" or "volunteer worker" as a consequence ofParagraph (1)(a)above; (c) For which there is any obligation to share damages with orrepay someone else who must pay damages because of the injury described in Paragraph (1)(a)or(b) above; or (d) Arising out of his or her providing or failing to provide professional health care services. Unless you any in the business or occupation of providing professional health cave services. Paragraphs (1)(a)' (h). (c) and (d)above donot apply h)"bodily injury" arising out of providing or failing to provide first aid o/ "Good Samaritan services" by any of you/ "employees" or "volunteer wo/kers", other than an employed o/ 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 tothe conduct of your business. (2) "Property damage" to property: (a) Owned, occupied or used by; (b) Rented to, in the ca»e, custody o/ c0nh0| of, or over which physical control is being exercised for any purpose by; you, any of your "employees", "volunteer wo/kecs".any partner ormember (if you are e partnership or joint ventune), or any member (if you are a limited liability company). b. Any person (other than your "employee" or "volunteer worker"), or any nrganizadon, while acting asyour real estate manager. c. Any person or organization having proper temporary custody mfyour property if you die. but only: (1) With respect to liability arising out of the maintenance o/use ofthat property; and (2) Until your legal representative has been CGT1 00O] 19 @oo17The Travelers Indemnity Company. All rights reserved. Page 11 of21 COMMERCIAL GENERAL LIABILITY dL You/ legal representative if you die, but only with respect to dudes 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) 50 feet long or less; and Q1 Not being used to carry any person or property for acharge. 3. Any organization you newly acquire o/ fo/m, other than a paMnership, 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 SO96.will qualify asaNamed Insured ifthere 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 iseadier' . S. b` Coverage does not apply tn"bodily injury" or "property damage" that occurred before you acquired o/formed the organization; and c Cove/age B does not apply to "personal and advertising kjury/ arising out of an offense committed before you acquired or formed the organization. For the purposes of Paragraph 1. of Section U — Who Is An |nsured, each such organization will be deemed iobedesignated inthe Declarations as: a. An organization, other than a partnership, joint venture Orlimited liability company; or b. Atrusi; as indicated in its name or the documents that govern its structure. 4` Any person or organization that is a premises mmne/. manager or lessor and that you have agreed in a written contract o/agreement ho include as an additional insured on this Coverage Part is an insunad, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" that: a. Is "bodily injuryr 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 L` Arises out of the ownership, maintenance or use ofthat part ofany premises leased hmyou. The insurance provided to such premises uwner, manage/ o/ 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 o/ agreement, or the limits shown inthe Declarations, whichever are less. b. The insurance provided to such premises owner, manager orlessor 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 iobe atenant in that premises; or (2) Structural alterations, new construction o/ demolition operations performed by o/ on behalf ofsuch premises owner' manage/ o/ lessor. Any person o/ organization that is an equipment lessor and that you have agreed inawritten 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 damaga".o/"personal and advertising injury" that: a. Is "bodily injury" or "property damage" that occucs, o/ is "personal and advertising injury" caused by an offense that is committed, subsequent to the signing of that contract o/ agreement, and b. Is caused, in whole or in part, bvyour acts o/ omissions inthe maintenance, operation u/use of equipment leased to you by such equipment lessor. The insurance provided hosuch equipment lessor is subject to the following provisions: m. The limits of insurance provided to such equipment lessor will be the minimum limits that you agreed toprovide inthe written contract or agreement, or the limits shown in the Declarations, whichever are less. Lx The insurance provided to such equipment lessor does not apply to any "bodily injury' o/ "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 Page 12of21 @oo17The Travelers Indemnity Company. All rights reserved. CGT1 00O3 19 COMMERCIAL GENERAL LIABILITY venture mlimited liability company that isnot 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 U—Who |sAnInsured. SECTION III — LIMITS C]FINSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless ofthe number of: a. Insureds; t` Claims made or"suks"brought; o/ c Persons or organizations making claims or bringing "suits". 2. The General Aggregate Limit is the most we will pay for the sum of: o. Medical expenses under Coverage C; b. Damages under Coverage A. except damages because of"bodily injury" o/"property damage" included in the "prod ucts-comp|eted operations hazard"; and c. Damages under Coverage B. 3. The Prod ucts-Comp|ated Operations Aggregate Limit is the most wawill pay under Coverage Afor damages because of "bodily injury" and "property damage" included in the "prod ucts-comp|eted operations hazard". 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under [overage 0 for the sum of all damages because of all "personal injury" and "advertising injury" sustained by any one person or organization. S. 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 ofall "bodily injury" and "property damage" arising out ofany one "occurvence" 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 a. The amount shown for the Damage To Premises Rented To You Limb in the Declarations ofthis Coverage Part; or b. $]OO.00O if no amount is shown for the Damage To Premises Rented To You Limit in the Declarations ofthis Coverage Part. 7. Subject to Paragraph 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of "bodily injury" sustained byany one person. The Limits of Insurance of this [overage Pert apply separately toeach consecutive annual period and tVany remaining period of less than 12 mnnths, starting with the beginning of the policy period shown in the Dec|auaiions, unless the policy period isextended 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 ofInsurance. COVDITIOUS t Bankruptcy Bankruptcy or insolvency of the insured or of the insunad's estate will not relieve us of our obligations under this Coverage Part. J' Duties In The Event Of Occurrence, Offense, C|a|nn Or Suit a. You must see tohthat weare notified assoon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possib|e, 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 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 usassoon aspracticable. You must see to itthat we receive written notice ofthe claim o/"suit'assoon aspracticable. 6. 5 Paragraph S. above, the Damage To Premises�-N. --= To You Limit is the most we will«� Youandanyo�he/invo|v�d insured must: pay under Cove/age A for damages because of (1) Immediately send us copies of any "premises damage" to any one premises. The demands, nctices, summonses o/ legal Damage ToPremises Rented ToYou Limit will be: papers received in connection with the claim or "suit"; CGT1 00O] 19 @oo17The Travelers Indemnity Company. All rights reserved. Page 13of21 COMMERCIAL GENERAL LIABILITY C8 Authorize us to obtain records and other (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and WA 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 o/ damage tuwhich this insurance may also apply. dL No insured will, except at that insu/ed's own cos, voluntarily make a payment, assume any ob|igation, or incur any oxponso, other than for first aid, without our consent. e. The following provisions apply k>Paragraph a. above, but only for purposes of the insurance provided under this Coverage Part b>you or any insured listed in Paragraph 1. o/ 2. of Section U — Who |sAnInsured: (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 ventuve), any of your managers who is an individual (if you are a limited liability company), any of your "executive ufficacs^ 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: N A partner or member of any partnership or joint venture; (ii) A manager of any limited liability (iU)An executive officer or director of any other organization; or (ix) Akushae ofany trust; that is your partner, joint venture member, manager ortrustee; or (b) Any employee authorized by such partnecship, joint venture, limited liability company' trust or other organization to give notice of an "occur^ence"oroffense. (3) Notice to us of such "occurrence" o/ offense will bedeemed io 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. Howeve/, 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 discharga, 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"suiY'asking for damages from aninsured; ur 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 ofinsurance. An agreed settlement means asettlement and release ofliability signed by us, the insu/ed, and the claimant or the claimant's legal representative. Page 14of21 @oo17The Travelers Indemnity Company. All rights reserved. CGT1 00O3 19 COMMERCIAL GENERAL LIABILITY 4` Other|nsunancm |fvalid and collectible other insurance isavailable io the insured for a loss we cover under Coverages A or B of this Coverage Part, our obligations are limited asdescribed inParagraphs aand b. below. As used anywhere in this Coverage Part, other insurance means insurance, or the funding of losses, that isprovided by, through oronbehalf of: (i) Another insurance company; (U) Us or any ufour affiliated insurance companies, except when the Non cumulation of Each Occurrence Limit provision ofParagraph 5. of Section U| — Limits Of Insurance or the Non cumulation of Personal and Advertising Injury Limit provision of Paragraph 4. of Section ||| — 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 pmgnam, in which case the insured will be deemed to be the provider ofother insurance. Other insurance does not include umbrella insurance, o/ 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 u(ho/ insurance. As used in Paragraph c. bo|mw, insurer means a provider ofinsurance. a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is prima/y, our obligations are not affected unless any of the other insurance is also primary. Then, wewill share with all that other insurance bythe method described inParagraph c. be|mw, except when Paragraph d. below applies. b. Excess Insurance (1) This insurance isexcess over: (a) Any of the other insu/anco, whether primary, excess, contingent o/ on any other basis: (i) That is Fire. Extended Cnverage, Builder's Risk. Installation Risk or similar coverage for "your work"; (i|) That is insurance for "premises damage"; (U|)|f 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 e premises ovvner, manager or lessor that qualifies as an insured under Paragraph 4. ofSecdVn||— VVho Is An |nsured, 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 || — Who Is An |nsu'ed, except when Paragraph d. below applies. (b) Any of the other insurance' whether p/ima/y, excess' contingent oron 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 Aor 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, vvewill undertake hodoso, but wewill beentitled tothe insumyd'srights against all those other insurers. (3) When this insurance is excess over other insunance, we will pay onlyour share ufthe 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 |oss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically k> apply in excess of the Limits of Insurance shown inthe Declarations ofthis Coverage Part. CGT1 00O] 19 @oo17The Travelers Indemnity Company. All rights reserved. Page 15of21 COMMERCIAL GENERAL LIABILITY c. Method Of Sharing if all of the other insurance permits contribution by equal shares, wewill 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 shanas, we will contribute by limits. Under this meihod, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance ofall insurers. d. Primary And Non -Contributory Insurance If Required ByWritten Contract If you specifically agree in a written contract or agreement that the insurance afforded to an insured under this Cove/age Part must apply on a primary basis, or a primary and non- contributory basis, this insurance is primary to other insurance that isavailable k)such insured which covers such insured as named insuned, and we will not share with that other insurance. provided that: (1) The "bodily irjuryror"property damage" for which coverage issought occurs; and (2) The "personal and advertising injury" for which coverage is sought is caused by an offense that iscommitted; subsequent to the signing of that contract o/ agreement Uyyou. S. Premium Audit a. We will compute all premiums for this Coverage Part inaccordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium isadeposit premium only. At the close of each audit period wewill compute the earned premium for that period and send notice to the first Named 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 pnamium, we will return the excess to the first Named Insured. a. The statements in the Declarations are accurate and complete; b. Those statements are based upon representations you made tous; and c. We have issued this policy in reliance upon your representations. The unintentional omission of, orunintentional error in, any information provided by you which we relied upon in issuing this policy will not prejudice your rights under this insurance. Hovvever, this provision does not affect our right to collect additional premium or to exercise our rights of cancellation o/ nnnrenewa|inaccordance with applicable insurance laws o/regulations. 7. Separation Of Insureds Except with respect k>the Limits ofInsurance, and any rights or dudes specifically assigned in this Cove/age Part to the first Named |nsured, this insurance applies: a- As if each Named Insured were the only Named Insured; and b- Separately to each insured against whom claim ismade or"suit'isbrought. 8. Transfer QfRights OfRecovery 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 donothing after loss toimpair them. Atour request, the insured will bring "suit" or transfer those rights hmusand help usenforce them. 9. When We0mNot Renew Ifvedecide not brenew this Coverage Part, wewill mail urdeliver k>the first Named Insured shown in the Declarations written notice of the nonrenewa| not less than 3Odays before the expiration date. If notice is mai|ed, proof of mailing will be sufficient proof ofnotice. SECTION V — DEFINITIONS "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 ofthis definition: c first Notices The � Named Insured must keep records of -- that are published include materialmaterialthe information we need for premium placed on the Internet or on similar electronic computa\ion, and send us copies atsuch times means ofcommunication; and as we may request. 6. Regarding websihes, only that part of a websike that is about your goods, products or services G. Representations that the purposes of attracting customers or Byaccepting this policy, you agree: supporters isconsidered anadvertisement. Page 16of21 @oo17The Travelers Indemnity Company. All rights reserved. CGT1 0003 19 Includes copyrighted material mInsurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY 2. "Advertising injury": a. Means injury caused by one or more of the following offenses: (1) Oral or written pub|icadon, including publication by electronic means, of material in your "advertisement' that slanders or libels a person or organization or disparages a person's or organize\ion's goods, products or sen/ices, provided that the claim is made o/the "suit" is brought by ape/son o/organization that claims to have been slandered o/ |ibe|ed, o/ that claims to have had its goods, products o/ services disparaged; (2) Oral or written pub|icadon, including publication by electronic means, of material inyour "advertisement'that: (a) Appropriates a person's name, voice, photograph orlikeness; o/ (b) Unreasonably places a person in a false light; or (]) Infringement of copyright, "title" o/ "slogan" in you/ "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 irjuryr caused by one or more of the offenses described in Paragraph a. above. 3. "Auto" means: 4. R1 o. A land motor vehkcle, bailer or semitrailer designed for travel on public /oads, including any attached machinery orequipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law, or other motor vehicle insurance |aw, where it is licensed orprincipally garaged. However, "auto" does not include "mobile equipment". "Bodily injury" means: a. Physical hanm, including sickness or disease' sustained bvaperson; or 6. Mental anguish, injury or iUnoss, or emotional dis\nuss, resulting at any time from such physical harm, sickness V/disease. "Broadcasting" means transmitting any audio or visual material for any purpose: a By radio o/television; or b. In, by o/ with any other electronic means of communicadon, such as the Internet, if that material is part of: (1) Radio or television programming being (2) Other entertainment, educa(ona|, instruchona|, music or news programming being transmitted; or (3) Advertising transmitted with any of such programming. G "Covenageherhko0ymeans: a. The United States of America (including its honkohos and possessions). Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel o/ transportation between any places included inParagraph a.above; or c. All other parts of the word if the injury o/ damage arises out of: (1) Goods or products made or sold by you in the territory described in Paragraph a. (2) The activities of person whose home is in the kaoho/y described in Paragraph a. abova, but is away for a short time on your business; or (3) "Personal and advertising injury" offenses that hake place through the Internet o/ similar electronic means ofcommunication; provided the insured's responsibility to pay damages is determined in a "suit" on the m8/kS in the territory described in Paragraph a. above, or in a settlement we agree to. 7 "Electronic date" means information, facts or programs stored as o/ on, created or used on, or transmitted to or from computer software (including systems and applications sobware), hard or floppy disks. CD-RDMs. Lapes, drives, ce||s, data processing devices or any other media which are used with electronically controlled equipment. 8. "Emp|oyoo"includes a"leased worker". "Employee" does not include a "temporary worker". g. "Executive officer means a person holding any of the officer positions created by your charte/, conshtuhon, bylaws o/ any other similar governing document. CGT1 00O] 19 @oo17The Travelers Indemnity Company. All rights reserved. Page 17of21 COMMERCIAL GENERAL LIABILITY 10. "Good Samaritan services" means any emergency medical services for which no compensation is demanded orreceived. 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" o/"your work". that cannot be used orisless useful because: a. It incorporates "you/ product" o/ "your work" that is known or thought to be defechvm, deficient, inadequate o/dangerous; o/ b. You have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by the repair. /ep|acement, adjustment o/ removal of "your product" or "your work" o/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 14` premises that indemnifies any person o/ organization for "premises damage" is not an "insured contract"; b^ /\ sidetrack agreement; c Any easement or license agreement, except in connection with construction or demolition operations onorwithin SOfeet ofarailroad; d. An obligation, as required by ordinance, to indemnify o municipa|ih/, except in connection with work for a municipality; e. Anelevator maintenance agreement; [ 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" o/ "personal i to a third person ororganization. Tort liability means aliability that would be imposed by |avv inthe absence of any contract o/agreement. Paragraph f. does not include that part of any contract oragreement: (1) That indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations, within SUfeet of any railroad property and affecting any railroad bridge or trestle, tracks, /oadbeds, tunnel, underpass or crossing; (2) That indemnifies an architect, engineer or surveyor for injury ordamageahsinguu(ot (a) Pnyparing, approving, or failing to prepare o/ approve, maps, shop dnawings, opinions, reports, sun/eys, field orders, change orders or drawings and specifications; or (b) Giving directions or instrucdons, or failing to give them, if that is the primary cause of the injury or damage; o/ (3) Under which the insured, if an architect, engineer o/ surveyor, assumes liability for an injury or damage arising out of the insu/ed's rendering or failure to render professional sen/ices, including those listed in Paragraph (2) above and supervisory, inspecdon, architectural or engineering "Leased worker" means aperson leased toyou bva labor leasing firm under anagreement between you and the labor leasing firm, to perform duties na|a0ad to the conduct of your business. "Leased worker" does not include a "temporary worker". 15"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^ VVhika it is in o/ on an aircrak, watercraft or "auto";ur c VVhika it is being moved from on aircraft, watercraft or "auto" to the place vvhena it is Una|k/ 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. BuUdozens, farm machinery, forklifts and other vehicles designed for use principally off public 6~ Vehicles maintained for use solely on or next to premises you own orrent; c. Vehicles that travel on crawler treads; Page 18of21 @oo17The Travelers Indemnity Company. All rights reserved. CGT1 00O3 19 COMMERCIAL GENERAL LIABILITY d. Vehic|es, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: (1) Power cranes, shovels, |oadecs, diggers or drills; or (2) Road construction equipment such as b. An act o/ omission committed in providing o/ failing to provide first aid or "Good Samaritan services" to a pecson, unless you are in the business or occupation of providing professional health care services. or resurfacing 18. "Personal and advertising injury" means "personal graders, scrapers or injury" or "advertising injury". 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 o)mpnessors, pumps and generak>rs, including spraying, we|ding, building deaning, geophysical exploration, lighting and well servicing equipment, o/ (2) Cherry pickers and similar devices used to raise or lower workers; t Vehicles not described in Paragraph a, b, c- or d. above maintained primarily for purposes other than the transportation of persons or cargo. Howeve/, 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 mainbenanco, but not construction o/resurfacing; or (c) Street cleaning; Q1 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers, and EQ Air compressurs, pumps and generators, including spraying, weNing, 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 |aw, or other motor vehicle insurance |aw, where it is licensed o/ principally garaged. Such land vehicles are considered 19. "Personal injury": a. Means injury, other than "advertising inju[y", caused by one or more of the following (1) False arrest, detention or imprisonment; (2) Malicious prosecution; 8U The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy ofa 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 rnnm, dwelling or (4) Oral or written pub|icadnn, including publication by electronic means, of material that slanders or libels a person or organization or disparages a person's or organizahon's goods, products or sen/ices, provided that the claim is made or the "suit' is brought bva person or organization that claims to have been slandered or libeled, o/ that claims (o have had its goods' products o/services disparaged; or (5) 0/a| or written pub|i[ation, including publication by electronic means, of material that: (a) Appropriates a person's name' voice. photograph orlikeness; or (b) Unreasonably places a person in a false light. b. Includes "bodily injury" caused by one o/ more of the offenses described in Paragraph a. above. 17. "Occurrence" means: � � �"Pollutants" mean any solid, |kluid, gaseous or thermal irritant or conLaminani, including smoke. a. An accident, including continuous or repeated vapor, soct, fumes, acids, a|ka|is, chemicals and exposure to substantially the same general waste. Waste includes materials to be recyded, harmful conditions; or reconditioned o/reclaimed. CGT1 00 O] 19 @oo17The Travelers Indemnity Company. All rights reserved. Page 19of21 Includes copyrighted material mInsurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY 21. "Premises damage" means: a. With respect to the first paragraph of the exceptions in Exclusion i of Section | — 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 toExclusions c through n. in the last paragraph of Paragraph 2. of Section | — CovenageA— Bodily Injury And Property Damage Liability, "property damage" k) any premises while rented to you for 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; (4) Smoke resulting from Dre, explosion or lightning; or (5) Water. But "premises damage" under this Paragraph b. does not include "property damage" to any premises caused by: (1) Rupture, bursdng, or operation of pressure relief devices; (2) Rupture or bursting due to expansion or swelling of the contents of any building or structure caused by or resulting from water; or EA Explosion of steam boilers, steam pipes' steam engines or steam turbines. 22' "Prod ucts-compde\edoperations hazand": 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, "you/ work" will be deemed completed at the earliest of the following times: (a) When all ofthe work called for in your contract has been completed. (b) When all ofthe work Lo be done at the job site has been completed if your 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 bvany person ororganization 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 comp|ete, 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 condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading o/ unloading" of that vehicle by any (2) The existence of b)o|s' uninstaUed equipment or abandoned or unused materials; or (3) Products or operations for which the classification, listed in the Declarations or in a policy Schedu|e, states that products - completed operations are subject to the General Aggregate Limit. 23. "Property damage" means: s. Physical injury to tangible property( including all resulting loss of use of that property. All such loss ufuse will bedeemed 1uoccur a8the time of the physical injury (ha(causedit;or b^ Loss of use of tangible property that is not phv5i[a|k/ injured. All such |o55 of use will be deemed to occur at the time of the "occurrence" that caused it. For the purposes ofthis insurance, "electronic data" is not tangible property. 24. "Slogan": a. Means aphrase that others use for the purpose cfattracting attention intheir 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 pramises, goods, products, services or work, of any person o/organization, other than you. Page 2Oof21 @oo17The Travelers Indemnity Company. All rights reserved. CGT1 00O3 19 COMMERCIAL GENERAL LIABILITY 25. "Suit" means a civil proceeding in which damages because of"bodily rju "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 \owhich the insured must submit or dues submit with our consent; o/ b` Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 26"Tempmary worker" moans 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 fonn, that the recipient of such communication did not specifically request to 29. "Volunteer worker" means a person who is not you/ "employee", and who donates his or her work and acts at the direction of and within the scope of dudes 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 pruducts, other than real propehy, manufaduned, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business o/ assets you have acquired; and (2) Containers (other than vehic|es, ma(eriab, parts or equipment furnished in connection with such goods orproducts. b. Includes: (1) Warranties or representations made at any time with respect to the fbness, qua|hy, dunabi|ity, performance or use of "you/ 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 work": a. Means: (1) VVn/k or operations performed by you or on your behalf; and (2) K4ateha|s, parts or equipment furnished in connection with such work oroperations. b, Includes: (1) Warranties o/ representations made at any time with respect to the fitness, qua|hx, dunabi|ih/, performance or use of '\/ou/ work"; and (2) The providing of or failure to provide warnings urinstructions. CGT1 00O] 19 @oo17The Travelers Indemnity Company. All rights reserved. Page21 of21 TRAVELERS!' WORKERS COMPENSATION AND EMPLOYERS LIABILITY POLICY ENDORSEMENT WC 99 03 76 ( A) — POLICY NUMBER: UB21_553909 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA (BLANKET WAIVER) 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. The additional premium for this endorsement shall be % of the California workers' compensation pre- mium. Schedule Person or Organization Job Description Any Person or organization for which the insured has agreed by written contract executed prior to loss to furnish this waiver. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy) Insurance Company Countersigned by Travelers Property Casualty Company of America DATE OF ISSUE: 8/25/2025 Page 1 of 1