PROOF OF INSURANCE (2009) CLOSEDACORD,. CERTIFICATE OF LIABILITY INSURANCE
10 /22/2 s'
PRODUCER (319)352 -2880 FAX. (319)352 -2075
First Insurance Services
300 E Bremer Ave
P.O. Box 269
Waverly IA 50677
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION
ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE
HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR
ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.
INSURERS AFFORDING COVERAGE
NAIC #
INSURED
Life Line Emergency Vehicles, Inc.
1 Life -Line Dr.
P.O. BOX 299
Sumner IA 50674
INSURERA:United Fire & Casualty
13021
INSURER B: Cincinnati Insurance Co.
10677
INSURER C:
INSURER D:
INSURER E:
$ 1,000,000
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.
%TE LIMITS SHOWN MAY HAVE BEE 4 REDUCED BY PAID CLAIMS.
INSR
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119
TYPE OF INSURANCE
POLICY NUMBER
POLICY EFFECTIVE
DATE MMIDDIYY
POLICY EXPIRATION
DATE MM /DDIYY
LIMITS
INSURER ITS AGENTS OR REP RE NTATIVES.
AUTHORIZED REPRESENTATIVE <t? 0
GENERAL LIABILITY
Darcy Byl
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EACH OCCURRENCE
$ 1,000,000
DAMAGE TO RENTED occurrence)
Me
$ 100,000
A
X COMMERCIAL GENERAL LIABILITY
CLAIMSMADE FXI OCCUR
60026745
1/1/2008
1/1/2009
M DEXP fAny one r
$ 5,000
INJURY PE SONAL&ADV
$ 11000,000
GENERAL AGGREGATE
$ 2,000,000
GEN'L AGGREGATE LIMIT APPLIES PER:
PRODUCTS _
$ 21000,000
X POLICY PRO LOC JECT
AUTOMOBILE
LIABILITY
ANY AUTO
COMBINED SINGLE LIMIT
(Ea accident)
$
BODILY INJURY
(Per person)
$
ALL OWNED AUTOS
SCHEDULED AUTOS
BODILY INJURY
(Per accident)
$
HIRED AUTOS
NON -OWNED AUTOS
PROPERTY DAMAGE
(Per accident)
$
GARAGE LIABILITY
AUTO ONLY - EA ACCIDENT
$ 1,000,000
OTHERTHAN EAACC
$ 1,000,000
A
X ANY AUTO
60026745
1/1/2008
1/1/2009
$ 2,000,000
X 250/500 dad.
AUTO ONLY: A G
EXCESS /UMBRELLA LIABILITY
EACH OCCURRENCE_
4,000,000
AGGREGATE
$ 4,000,000
X OCCUR F] CLAIMS MADE
B
DEDUCTIBLE
CCC1153190
1/1/2008
1/1/2009
$
A
WORKERS COMPENSATION AND
O STATUS OTH-
E.L. EACH ACCIDENT
100,000
EMPLOYERS' LIABILITY
ANY PROPRIETORIPARTNER/EXECUTIVE
E.L. DISEASE - EA EMPLOYEE
100,000
OFFICER/MEMBEREXCLUDED?
30080834
1/1/2008
1/1/2009
E.L. DISEASE - POLICY LIMIT
$ 500,000
If yes, describe under
SPECIAL ROVISI N S below
A
OTHER Garage Keepers Legal
60026745
1/1/2008
1/1/2009
250,000/1,000,000 /
Liability
200,000 limits
1,000Co /2,500Co11
DESCRIPTION OF OPERATIONS/LOCATIONSNEHICLES /EXCLUSIONS ADDED BY ENDORSEMENT/SPECIAL PROVISIO S
SO Day Notice of Cancellation in the event of Non - payment of Premi Q
The City of El Segundo, its officers, officials, employees, agent r ft, d volunte 3tWo is named as additional insured per
form CG7103 (5/06) l , 'b DD
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CERTIFICATE HOLDER
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SHOO ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE
City of El Segundo "revised"
E ATION DATE THEREOF, THE ISSUING INSURER WILL ENDEAVOR TO MAIL
350 Main St.
DAYS WRITTEN NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE LEFT, BUT
El Segundo, CA 90245
FAILURE TO DO SO SHALL IMPOSE NO OBLIGATION OR LIABILITY OF ANY KIND UPON THE
INSURER ITS AGENTS OR REP RE NTATIVES.
AUTHORIZED REPRESENTATIVE <t? 0
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IMPORTANT
If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement on this
certificate does not confer rights to the certificate holder in lieu of such endorsement(s).
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).
DISCLAIMER
The Certificate of Insurance on the reverse side of this form does not constitute a contract between the issuing
insurer(s), authorized representative or producer, and the certificate holder, nor does it affirmatively or negatively
amend, extend or alter the coverage afforded by the policies listed thereon.
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INS025(0108).08a
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Page 2of2
CG 71 03 05 06
ULTRA LIABILITY PLUS ENDORSEMENT
COMMERCIAL GENERAL LIABILITY EXTENSION ENDORSEMENT SUMMARY OF COVERAGES
This is a summary of the various additional coverages and coverage modifications provided by this
endorsement. No coverage is provided by this summary.
• Coverage for non -owned watercraft is extended to 51 feet in length
• Voluntary Property Damage Coverage
$5,000 Occurrence with a $10,000 Aggregate
• Care, Custody and Control Property Damage Coverage
$25,000 Occurrence with a $100,000 Aggregate - $500 Deductible
• Product Recall Expense
$25,000 Each Recall Limit with a $50,000 Aggregate - $1,000 Deductible
• Water Damage Legal Liability - $25,000
• Increase in Supplementary Payments: Bail Bonds to $1,000 and Loss of Earnings to $500
• For newly formed or acquired organizations - extend the reporting requirement to 180 days
• Automatic Additional Insured - Owners, Lessees or Contractors - Automatic Status When Required in Construction
Agreement With You
• Automatic Additional Insured - Vendors
• Automatic Additional Insured - Lessor of Leased Equipment Automatic Status When Required in Lease Agreement
With You
• Automatic Additional Insured - Managers or Lessor of Premises
• Additional Insured - Engineers, Architects or Surveyors Not Engaged by the Named Insured
• Additional Insured - Employee Injury to Another Employee
• Primary Additional Insured
• Expanded Fire Legal Liability to include Explosion, Lightning and Sprinkler Leakage
• Automatically included - Aggregate Limits of Insurance (per location)
• Automatically included - Aggregate Limits of Insurance (per project)
• Knowledge of occurrence - Knowledge of an 'occurrence ", 'claim or suit' by your agent, servant or employee shall
not in itself constitute knowledge of the named insured unless an officer of the named insured has received such
notice from the agent, servant or employee
• Unintentional failure to disclose all hazards. If you unintentionally fail to disclose any hazards existing at the inception
date of your policy, we will not deny coverage under this Coverage Form because of such failure. However, this
provision does not affect our right to collect additional premium or exercise our right of cancellation or non - renewal.
• Liberalization Condition
• Mobile equipment to include snow removal, road maintenance and street cleaning equipment less than 1,000 Ibs
GV W
• Blanket Waiver of Subrogation
• Property Damage - Borrowed Equipment
• Property Damage Liability - Elevators
• Bodily Injury Redefined
• Extended Property Damage
• Damage to Media Legal Liability - $50,000
REFER TO THE ACTUAL ENDORSEMENT FOLLOWING ON PAGES 2 THROUGH 15 FOR CHANGES AFFECTING
YOUR INSURANCE PROTECTION
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CG 71 03 05 06
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ULTRA LIABILITY PLUS ENDORSEMENT
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SECTION I - COVERAGES
COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY
The Following changes are made to 2. Exclusions:
Extended Property ,Damage
Exclusion 2.a., Expected or Intended Injury is replaced with the following:
a. "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.
Extended Watercraft Coverage
Exclusion g.(2) is deleted and replaced by the following:
g.(2) A watercraft you do not own that is:
(a) Less than 51 feet long;
(b) Not being used to carry persons or property for a charge;
Property Damage Liability - Borrowed Equipment
The following is added to Exclusion J.:
Paragraph (4) of this exclusion does not apply to "property damage" to borrowed equipment while at a jobsite and
while not being used to perform operations. The most we will pay for "property damage" to any one borrowed
equipment Item under this coverage is $25,000 per occurrence. The insurance afforded under this provision is
excess over any valid and collectible property insurance (including deductible) available to the insured, whether
primary, excess, contingent or on any other basis.
Property Damage Liability - Elevators
The following is added to Exclusion J.:
Under paragraph 2. Exclusions of Coverage A. "Bodily Injury" and "Property Damage" Liability Paragraphs 3, 4 & 6
of this exclusion do not apply to "property damage" resulting from the use of elevators. However, any insurance
provided for such "property damage" is excess over any valid and collectible property insurance (including
deductible) available to the insured, whether primary, excess, contingent or on any other basis.
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CG 71 03 05 06
The last paragraph of Item 2. Exclusions is deleted and replaced by the following:
Exclusions c. through n. do not apply to damage by fire, explosion, lightning, smoke resulting from such fire,
explosion, or lightning or sprinkler leakage to premises while rented to you or temporarily occupied by you with
permission of this owner. A separate limit of insurance applies to this coverage as described in Section III - Limits of
Insurance.
THE FOLLOWING COVERAGES ARE ADDED:
Voluntary Property Damage Coverage
The insurance provided under Coverage A (Section 1) is amended to include "property damage' to property of others
caused by the insured:
a. While in your possession; or
b. Arising out of "your work ".
Coverage applies at the request of the insured, whether or not the insured Is legally obligated to pay.
For the purposes of this Voluntary Property Damage Coverage only:
1. Exclusion J. Damage to Property under Coverage A (Section 1) is deleted and replaced by the following:
J. Damage to Property
'Property damage' to:
(1) Property held by the Insured for servicing, repair, storage or sale at premises you own, rent, lease, operate or
use;
(2) Property transported by or damage caused by any "automobile', "watercraft' or "aircraft" you own, hire or
lease;
(3) Property you own, rent, lease, borrow or use.
Care, Custody and Control Property Damage Coverage
For the purpose of this Care, Custody and Control Property Damage Coverage only:
1. Item (4) of Exclusion J. of Coverage A (Section 1) does not apply.
COVERAGE M. DAMAGE TO MEDIA LEGAL LIABILITY
1. Insuring Agreement
a. We will pay those sums that the insured becomes legally obligated to pay as damages because of damage to
"electronic data" to which this insurance applies. We will have the right and duty to defend the insured against
any "suit' seeking those damages. However, we will have no duty to defend the insured against any "suit"
seeking damages for "electronic data" to which this insurance does not apply. We may, at our discretion,
investigate any 'occurrence" and settle any claim or "suit' that may result. But:
CG 71 03 05 06
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CG 71 03 05 06
(1) The amount we will pay for damages is limited to $50,000.
(2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of
judgments or settlements under this coverage or any other applicable coverage or medical expenses under
Coverage C.
No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for
under Supplementary Payments.
b. This insurance applies to damages to "electronic data" only if:
(1) The damage to "electronic data" Is caused by an "occurrence" that takes place in the "coverage territory';
(2) The damage to "electronic data" occurs during the policy period; and
(3) Prior to the policy period, no insured listed under Paragraph 1. of Section II - Who Is An Insured and no
"employee" authorized by you to give or receive notice of an "occurrence" or claim, knew that the damage to
"electronic data" had occurred, in whole or in part. if such a listed insured or authorized "employee" knew,
prior to the policy period, that the damage to "electronic data" occurred, then any continuation, change or
resumption of such damage to "electronic data" during or after the policy period will deemed to have been
known prior to the policy period.
c. Damage to "electronic data" 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 II - Who Is An Insured or any "employee"
authorized by you to give or receive notice of an "occurrence" or claim, includes any continuation, change or
resumption of that damage to "electronic data" after the end of the policy period.
d. Damage to "electronic data" will be deemed to have been known to have occurred at the earliest time when any
insured listed under Paragraph 1 of Section II - Who Is An Insured or any "employee" authorized by you to give
or receive notice of an "occurrence" or claim:
(1) Reports all, or any part, of the damage to "electronic data" to us or any other insurer;
(2) Receives a written or verbal demand or claim for damages because of the damage to "electronic data "; or
(3) Becomes aware by any other means that damage to "electronic data" has occurred or has begun to occur.
2. Exclusions
This insurance does not apply to:
a. Expected Or Intended Injury
Damage to "electronic data" expected or intended from the standpoint of the insured.
b. Contractual Liability
Damage to "electronic data" for which the insured is obligated to pay damages by reason of the assumption of
liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would
have in the absence of the contract or agreement.
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CG 71 03 05 06
c. Pollution
Damage to "electronic data" arising out of the actual, alleged or threatened discharge, dispersal, seepage,
migration, release or escape of "pollutants ".
d. Aircraft, Auto, Watercraft or Mobile Equipment
Damage to "electronic data" arising out of:
(1) The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to any
insured; or
(2) The use of "mobile equipment" in, or while in practice for, or while being prepared for, any prearranged
racing, speed, demolition or stunting activity.
e. War
Damage to "electronic data" however caused, arising directly or indirectly, out of:
(1) War, including undeclared or civil war;
(2) Warlike action by a military force, including action in hindering or defending against an actual or expected
attack, by any government, sovereign or other authority using military personnel or other agents; or
(3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or
defending against any of these.
f. Damage To Property
Damage to "electronic data" that is:
(1) Property you own, rent or occupy, including any costs or expenses incurred by you, or any other person,
organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for
any reason, including prevention of injury to a person or damage to another's property;
(2) Property loaned to you;
(3) Personal property in the care, custody or control of the insured;
(4) That particular part of real property on which you or any contractors or subcontractors working directly or
indirectly on your behalf are performing operations, if the "property damage" arises out of those operations;
or
(5) That particular part of any property that must be restored, repaired or replaced because "your work" was
incorrectly performed on it.
g. Damage To Your Product
Damage to "electronic data" in "your product" or arising out of it or any part of it.
h. Damage To Your Work
Damage to "electronic data" in "your work" arising out of it or any part of it and included in the "products -
completed operations hazard ".
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CG 71 03 05 06
1. Damage To Impaired Property Or Property Not Physically Injured
Damage to "electronic data" in "impaired property" or property that has not been physically injured, arising out of:
(1) A defect, deficiency, inadequacy or dangerous condition in "your product' or "your work "; or
(2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance
with its terms.
j. Recall Of Products, Work Or Impaired Property
Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall,
inspection, repair, replacement, adjustment, removal or disposal of:
(1) "Your product';
(2) "Your work "; or
(3) 'Impaired property ";
if such product, work or property is withdrawn or recalled from the market or from use by any person or
organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it.
k. Personal And Advertising Injury
Damage to "electronic data" arising out of "personal and advertising injury".
COVERAGE R. PRODUCT RECALL EXPENSE
1. insuring Agreement
a. We will pay 90% of "product recall expense" you incur as a result of a "product recall' you initiate during the
coverage period.
b. We will only pay for "product recall expense" arising out of 'your products" which have been physically
relinquished to others.
The amount we will pay is limited as described below in SECTION III - LIMITS OF INSURANCE,
2. Exclusions
This insurance does not apply to "product recall expense" arising out of:
a. Any fact, circumstance or situation which existed at the inception date of the policy and which you were aware of,
or could reasonably have foreseen that would have resulted in a "product recall'.
b. Deterioration, decomposition or transformation of a chemical nature, except if caused by an error in the
manufacture, design, processing, storage, or transportation of 'your product'.
c. The withdrawal of similar products or batches that are not defective, when a defect in another product or batch
has been found.
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CG 71 03 05 06
d. Acts, errors or omissions of any of your employees, done with prior knowledge of any of your officers or directors.
e. Inherent vice, meaning a natural condition of property that causes it to deteriorate or become damaged.
f. "Bodily Injury" or "property damage ".
g. Failure of "your product' to accomplish its intended purpose, including any breach of warranty of fitness, quality,
efficacy or efficiency, whether written or implied.
h. Loss of reputation, customer faith or approval, or any costs incurred to regain customer market, or any other
consequential damages.
I. Legal fees or expenses.
J. Damages claimed for any loss, cost or expense incurred by you or others for the loss of use of "your product'.
Ilk. "Product recall expense" arising from the "product recall' of any of "your products" for which coverage is
excluded by endorsement.
COVERAGE W -WATER DAMAGE LEGAL LIABILITY
The Insurance provided under Coverage W (Section 1) applies to "property damage" arising out of water damage to
premises that are both rented to and occupied by you.
The Limit under this coverage shall not be in addition to the Damage To Premises Rented To You Limit.
SECTION I - SUPPLEMENTARY PAYMENTS - COVERAGES A AND B is amended to read SUPPLEMENTARY
PAYMENTS; and
Items 1.b. and 1.d are amended as follows:
b. Up to $1,000 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of
any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds.
d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the
claim or "suit', Including actual loss of earnings up to $500 a day because of time off from work.
SECTION II - BROAD FORM NAMED INSURED
1. Section II — Who Is An Insured is amended to include as an insured any legally incorporated entity of which you own
more than 50 percent of the voting stock during the policy period.
2. For the purpose of the coverage provided by this provision only, the following is added to Condition 4.b. Excess
Insurance, under 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 available to an insured solely by
reason of ownership by you of more than 50 percent of the voting stock.
3. This provision does not apply to a policy written to apply specifically in excess of this policy.
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CG 71 03 05 06
Item 4.a. Is deleted and replaced by the following:
a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or
the end of the policy period, whichever is earlier.
The following are added:
5. Additional Insured - Owners, Lessees or Contractors - Automatic Status When Required in Construction
Agreement With You
a. Any person or organization for whom you are performing operations when you and such person or organization
have agreed in writing in a contract or agreement that such person or organization be added as an additional
insured on your policy. Such person or organization is an additional insured only with respect to your liability
which may be imputed to that person or organization directly arising out of your ongoing operations performed for
that person or organization. A person's or organization's status as an Insured under this endorsement ends when
your operations for that insured are completed.
b. With respect to the Insurance afforded these additional insureds, the following additional exclusion applies:
This insurance does not apply to:
"Bodily injury", "property damage ", or "personal and advertising injury' arising out of the rendering of, or the failure
to render, any professional architectural, engineering or surveying services, including:
(1) The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys,
field orders, change orders or drawings and specifications; and
(2) Supervisory, inspection, architectural or engineering activities.
6. Additional Insured - Vendors
Any person or organization (referred to below as vendor), but only with respect to "bodily injury" or "property
damage" arising out of "your products ", which are distributed or sold in the regular course of the vendor's
business, subject to the following additional exclusions:
a. The insurance afforded the vendor does apply to:
(1) "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reason of the
assumption of liability in contract or agreement. This exclusion does not apply to liability for damages that
the vendor would have in the absence of the contract or agreement;
(2) Any express warranty unauthorized by you;
(3) Any physical or chemical change in the product made intentionally by the vendor;
(4) Repackaging, unless unpacked solely for the purpose of inspection, demonstration, testing, or the
substitution of parts under instructions from the manufacturer, and then repackaged in the original container;
(5) Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or
normally undertakes to make in the usual course of business, in connection with the distribution or sale of the
products;
(6) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's
premises in connection with the sale of the product;
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CG 71 03 05 06
(7) Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part
or ingredient of any other thing or substance by or for the vendor.
b. This insurance does not apply to any insured person or organization, from whom you have acquired such
products, or any ingredient, part of container, entering into, accompanying or containing such products.
7. Additional Insured - Lessor of Leased Equipment - Automatic Status When Required in Lease Agreement
With You
a. Any person or organization from whom you lease equipment when you and such person or organization have
agreed in writing in a contract or agreement that such person or organization be added as an additional insured
on your policy. Such person or organization is an insured, but only with respect to your liability arising out of the
maintenance, operation or use of such leased equipment, which may be imputed to that person or organization
as the lessor of equipment. A person's or organization's status as an insured under this endorsement ends when
their contract or agreement with you for such leased equipment ends.
b. With respect to the insurance afforded these additional insureds, the following additional exclusion apply:
(1) To any "occurrence" which takes place;
(2) To "bodily injury" or "property damage" arising out of the sole negligence of such person or organization.
S. Additional Insured - Managers or Lessors of Premises
Any person or organization, but only with respect to the liability arising out of the ownership, maintenance or use of
that part of the premises leased to you and subject to the following additional exclusions:
This insurance does not apply to any:
a. Any "occurrence" which takes place after you cease to be a tenant in that premises.
b. Structural alterations, new construction or demolition operations performed by or on behalf of any person or
organization.
9. Additional Insured - Engineers, Architects or Surveyors Not Engaged by the Named Insured
Coverage is provided only when the insured is contractually required to add the engineer, architect or surveyor.
Coverage is provided with respect to your liability for "bodily injury" or "property damage" or "personal and advertising
injury" directly arising out of:
a. Your acts or omissions; or
b. Your acts or omissions of those acting on your behalf;
In the performance of your ongoing operations for that additional insured(s).
10. Additional Insured - Employee Injury to Another Employee
With respect to your "employees" who occupy positions which are supervisory in nature:
Paragraph 2.a.(1) of this section is amended to read:
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CG 71 03 05 06
(1) "Bodily injury" or "personal and advertising injury"
a. To you, to your partners or members (if you are a partnership or joint venture), or to your members (if
you are a limited liability company);
b. 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) above; or
c. Arising out of his or her providing or failing to provide professional health care services. Paragraph 3.a.
is deleted.
For the purpose of this Item 10 only, a position is deemed to be supervisory in nature if that person performs
principal work which is substantially different from that of his or her subordinates and has authority to hire, direct,
discipline or discharge.
11. Primary Additional Insured
A. Commercial General Liability Conditions (Section IV), paragraph 4. (Other Insurance) is deleted and replaced by
the following:
4. Other Insurance
If valid and collectible "other insurance" is available to the Insured for a loss we cover under Coverages A or
B of this Coverage Part, our obligations are limited as follows:
a. Primary Insurance
This insurance is primary except when b. below applies. If this insurance is primary, our obligations are
not affected unless any of the "other insurance" is also primary. Then, we will share with all that "other
insurance" by the method described in c, below.
b. Excess Insurance
This insurance is excess over any of the "other insurance ", whether primary, excess, contingent or on
any other basis:
(1) That Is Fire, Extended Coverage, Builder's Risk, Installation Risk, or similar coverage for "your work ";
(2) That is Fire insurance for premises rented to you or temporarily occupied by you with permission of
the owner;
(3 That is insurance purchased by you to cover your liability as a tenant for "property damage" to
premises rented to you or temporarily occupied by you with permission of the owner; or
(4) If the loss arises out of the maintenance or use of aircraft, "autos ", or watercraft to the extent not
subject to Exclusion g. of Section I - Coverage A - Bodily Injury and Property Damage Liability; or
(5) That is available to the insured when the insured is an additional insured under any other policy,
including any umbrella or excess policy.
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CG 71 03 05 06
When this Insurance is excess, we will have no duty under Coverages A or B to defend the insured
against any "suit" if any provider of "other insurance" has a duty to defend the insured against that "suit ".
If no provider of "other insurance" defends, we will undertake to do so, but we will be entitled to the
insured's rights against all those providers of "other insurance ".
When this insurance is excess over "other insurance ", we will pay only our share of the amount of the
loss, if any, that exceeds the sum of:
(1) The total amount that all such 'other insurance" would pay for the loss in the absence of this
insurance; and
(2) The total of all deductible and self- insured amounts under that "other insurance"
We will share the remaining loss, if any, with any `other insurance" that is not described in this Excess
Insurance provision.
c. Method of Sharing
If all of the "other insurance" permits contribution by equal shares, we will follow this method also. Under this
approach each provider of insurance contributes equal amounts until it has paid its applicable limit of
insurance or none of the loss remains, whichever comes first.
If any of the 'other insurance" does not permit contribution by equal shares, we will contribute by limits.
Under this method, the share of each provider of insurance is based on the ratio of its applicable limit of
insurance to the total applicable limits of insurance of all providers of insurance.
B. For the purposes of this insurance coverage provided by this Item 11 only, the following definition is added to
DEFINITIONS (Section V):
"Other Insurance ":
a. Means insurance, or the funding of losses, that is provided by, through or on behalf of:
(1) Another insurance company;
(2) Us or any of our affiliated insurance companies, except when the Non - cumulation of Each Occurrence
Limit section of Paragraph 5 LIMITS OF INSURANCE (Section III) or the Non - cumulation of Personal
and Advertising Injury limits sections of Paragraph 4 of LIMITS OF INSURANCE (Section 111) applies;
(3) Any risk retention group;
(4) Any self- insurance method or program, other than any funded by you and over which the Coverage Part
applies; or
(5) Any similar risk transfer or risk management method.
b. Does not include umbrella insurance, or excess insurance, that you bought specifically to apply in excess of
the Limits of Insurance shown on the Declarations of this Coverage Part.
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SECTION III - LIMITS OF INSURANCE
*W Items 2, 3, and 6 are deleted and replaced by the following:
2. The General Aggregate Limit is the most we will pay for the sum of:
a. Medical expenses under Coverage C;
b. Damages under Coverage A, except damages because of "bodily injury" or "property damage" included in the
"products- completed operations hazard";
c. Damages under Coverage B; and
d. Damages under Coverage W.
3. The Products - Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages
because of "bodily injury" and "property damage" included in the "products- completed operations hazard" and
Coverage R.
6. Subject to 5. above, the Damage to Premises Rented to You Limit is the most we will pay under Coverage A for
damages because of "property damage" to any one premises, while rented to you, or in the case of damage by fire,
explosion, lightning, smoke resulting from such fire, explosion, or lightning or sprinkler leakage while rented to you or
temporarily occupied by you with permission of the owner.
The following are added:
8. Subject to 5. above, $25,000 is the most we will pay for Under Coverage W for Water Damage Legal Liability.
9. Coverage R - Product Recall Expense
Aggregate Limit $50,000
Each Product Recall Limit $25,000
a. The Aggregate Limit shown above is the most we will pay for the sum of all "product recall expense" you incur as
a result of all "product recalls" you initiate during the endorsement period.
b. The Each Product Recall Limit shown above is the most we will pay, subject to the Aggregate and $1,000
deductible, for "product recall expense" you incur for any one "product recall' you initiate during the endorsement
period.
10. Aggregate Limits of Insurance (Per Location)
The General Aggregate Limit applies separately to each of your "locations" owned by or rented to you or temporarily
occupied by you with the permission of the owner.
"Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only
by a street, roadway, waterway or right -of -way of a railroad.
11. Aggregate Limits of Insurance (Per Project)
The General Aggregate Limit applies separately to each of your projects away from premises owned by or rented to
you.
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12. Subject to 5. above, a $5,000 'occurrence" limit and a $10,000 "aggregate" limit is the most we will pay under
Coverage A for damages because of "property damage" covered under Voluntary Property Damage Coverage.
*o►
13. Subject to 5. above, a $25,000 'occurrence" limit and a $100,000 "aggregate" limit is the most we will pay under
%W Care, Custody and Control Coverage regardless of the number of:
*W a. Insureds;
b. Claims made or "suits" brought; or
c. Persons or organizations making claims or bringing "suits ".
Deductible - Our obligation to pay damages on your behalf applies only to the amount of damages in excess of
$500.
This deductible applies to all damages because of "property damage" as the result of any one 'occurrence"
regardless of the number of persons or organizations who sustain damages because of that 'occurrence ".
We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and upon
notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as has
been paid by us.
As respects this coverage "Aggregate" is the maximum amount we will pay for all covered 'occurrences" during
one policy period.
SECTION IV -COMMERCIAL GENERAL LIABILITY CONDITIONS
Condition 2., Items a. and b. are deleted and replaced by the following:
2. Duties In The Event Of Occurrence, Offense, Claim Or Suit
a. You must see to it that we are notified as soon as practicable of an 'occurrence" or an offense which may result
in a claim. Knowledge of an 'occurrence" by your agent, servant or employee shall not in itself constitute
knowledge of the named insured unless an officer of the named insured has received such notice from the agent,
servant or employee. To the extent possible, notice should include:
(1) How, when and where the "occurrence" took place;
(2) The names and addresses of any injured persons and witnesses, and
(3) The nature and location of any injury or damage arising out of the 'occurrence" or offense.
b. If a claim is made or "suit" is brought against any insured, you must:
(1) Immediately record the specifics of the claim or "suit' and the date received; and
(2) Notify us as soon as practicable.
You must see to it that we receive written notice of the claim or "suit' as soon as practicable. Knowledge of a
claim or "suit" by your agent, servant or employee shall not in itself constitute knowledge of the named insured
unless an officer of the named insured has received such notice from the agent, servant or employee.
Condition 2.c.(5) is added:
(5) Upon our request, replace or repair the property covered under Voluntary Property Damage Coverage at your actual
cost, excluding profit or overhead.
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Conditions 10., 11. and 12. are added:
10. Blanket Waiver Of Subrogation
CG 71 03 05 06
We waive any right of recovery we may have against any person or organization because of payments we make for
injury or damage arising out of: premises owned or occupied by or rented or loaned to you, ongoing operations
performed by you or on your behalf, done under a contract with that person or organization, "your work ", or "your
products ". We waive this right where you have agreed to do so as part of a written contract, executed by you before
the "bodily injury" or "property damage" occurs or the "personal injury" or "advertising injury" offense is committed.
11. If a revision to this Coverage Part, which would provide more coverage with no additional premium becomes
effective during the policy period in the state designated for the first Named Insured shown in the Declarations, your
policy will automatically provide this additional coverage on the effective date of the revision.
12. Based on our reliance on your representations as to existing hazards, if you unintentionally should fail to disclose all
such hazards at the inception date of your policy, we will not deny coverage under this Coverage Part because of
such failure. However, this provision does not affect our right to collect additional premium or exercise our right of
cancellation or non - renewal.
The following conditions are added In regard to Coverage R - Product Recall Expense
In event of a "product recall ", you must
1. See to it that we are notified as soon as practicable of a "product recall ". To the extent possible, notice should include
how, when and where the "product recall' took place and estimated "product recall expense ".
2. Take all reasonable steps to minimize "product recall expense ". This will not increase the limits of insurance.
3. If requested, permit us to question you under oath at such times as may be reasonably required about any matter
relating to this insurance or your claim, including your books and records. Your answers must be signed.
4. Permit us to inspect and obtain other information proving the loss. You must send us a signed, sworn statement of
loss containing the information we request to investigate the claim. You must do this within 60 days after our request.
5. Cooperate with us in the investigation or settlement of any claim.
6. Assist us upon our request, in the enforcement of any rights against any person or organization which may be liable
to you because of loss to which this insurance applies.
SECTION V - DEFINITIONS
The following Is added to Item 12. Mobile Equipment
e. Vehicles with equipment for snow removal, road maintenance and street cleaning less than 1,000 lbs. GVW.
The following definitions are added for this endorsement only:
3. Bodily Injury Redefined.
Under V- Definitions, definition 3. is deleted and replaced with the following:
3. "bodily injury" means physical injury, sickness or disease sustained by a person. This includes mental anguish,
mental injury, shock, fright or death that results from such physical injury, sickness or disease.
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23. "Electronic data" means information, facts or programs stored as or on, created or used on, or transmitted to or
from computer software, including systems and applications software, hard or floppy disks, CD -ROMS, tape drives,
cells, data processing devices or any other media which are used with electronically controlled equipment.
24. "Product recall' means a withdrawal or removal from the market of "your product' based on the determination by
you or any regulatory or governmental agency that:
(1) The use or consumption of "your product' has caused or will cause actual or alleged "bodily injury" or "property
damage "; and
(2) Such determination requires you to recover possession or control of "your product' from any distributor,
purchaser or user, to repair or replace "your product', but only if "your product' is unfit for use or consumption, or
is hazardous as a result of:
(a) An error or omission by an insured in the design, manufacturing, processing, labeling, storage, or
transportation of "your product'; or
(b) Actual or alleged intentional, malicious or wrongful alteration or contamination of "your product' by someone
other than you.
25. "Product recall expense" means reasonable and necessary expenses for:
(1) Telephone, radio and television communication and printed advertisements, including stationery, envelopes and
postage.
(2) Transporting recalled products from any purchaser, distributor or user, to locations designated by you.
(3) Remuneration paid to your employees for overtime, as well as remuneration paid to additional employees or
independent contractors you hire.
(4) Transportation and accommodation expense incurred by your employees.
(5) Rental expense incurred for temporary locations used to store recalled products.
(6) Expense incurred to properly dispose of recalled products, including packaging that cannot be reused.
(7) Transportation expenses incurred to replace recalled products.
(8) Repairing, redistributing or replacing covered recalled products with like products or substitutes, not to exceed
your original cost of manufacturing, processing, acquisition and /or distribution.
These expenses must be incurred as a result of a "product recall ".
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