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PROOF OF INSURANCE (2016) CLOSEDSCOTW'EA-01 CHRISC
DATE IMWD0fYYYY)
CERTIFICATE OF LIABILITY INSURANCE 111412016
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,
holder Is an A.00F.—TONAZ INSURED, the policy(las) must be endorsed. It SUBROGATION IS WAIVED, subject to
the terms and conditions, of the policy, certain polirles may require on andomemont. A statement on this certificate does, not confer rights, to the
r0fleate holder In lieu: of such end
_6OuiiW— on Christine Cflltsy CISR LL
iiDuiiW
Now ---------------
iR se#0252636
United A neles . . .......... ... . —77 0
693-6477
13.0, SoxV1438
La Verne, CA 91750-7488
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.
350 Main Street
El Segundo, CA 90245 AUTHORIZED RFP I It I E I SENTATIVE
©1988 -2014 ACORD CORPORATION. All rights reserved.
ACORD 25 (2014101) The ACORD name and logo are registered marks of ACORD
At lhi ......................... MAIC 0
. . . . . . . . . . .
. . . . .......
fNSUR9R A SOCU#q_!!a#pns!,1nsurance Co,m
. ... . . ......... . ......... 19879
INSURERe Intemon National In rn n 2 9 742
Pa Y
n- mm.
INSURER C National Union Fire insurance Company ofilittsbutgh, Pa. 19445
Scott Weaver
... .
---- .. . ..... . .... ...... . . . ................... ........... . .. . .......... .......... .... .....
1114 St George Drive
Son Dimas, CA 911773
-MVR!!!R ....
INSURER E ---- -- . .......
"IN'
L--7=
S'U"RE: R . ...... . .....
COVERAGES CERTIFICATE NUMBER.
REVISION NUMBER:
THIS IS TO CERTIFY T14AT T'HE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED 10 THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INOICATED, NOTVATHSTANDING 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.
INK........ . ..... — -----
TWEOFINSURANCE POLICY NuMBEL
DIYY)y AVONYYY Lam
...... ..
COMMERCIAL GENERAL LIABILITY
EACH OCCURRENCE $ 1,000,000
CLAIMS -MADE [K OCCUR X X NAI05107002
0311312015 0311312016 50,000
5,000
fERSONAL & ADV INJURY $ 1,000,000
GEN1 ACGREGAIC LIMIT APPLIES PER:
GENERAL AGGREGATE S 2,000,000
POLICY F PEVi F LOC
PRODUCTS-COMPIOPAGG S 2,000,000
O'TH'ER
S
AUTOMOBILE UABILITY
S 1,000,000
B ANY AUTO 12001934
01120/2016 0112012017 BODILY INJURY (Per perw) S
ALL OWNED SCHEDULED
AUTOS x NON -OWNED
BODILY INJURY (Per acckkW) S
15116MYrf =AMAffr S
HIRED AUTOS AUTOS
S
UMBRELLA LIAB OCCUR
EACH OCCURRENCE S 4,000,000
C EXCESS LIAS CLAIMS-MADE EBU024548149
0311312015 0311312016 ,AGGREGATE S 4,000,000
DED] RETENTIONS
S
... . ..... . . . .
WORKERS COMPENSATION
. . ..... .
si8 E ft—
g.
AND EMPLOYERS' LIABILITY YIN
ANY PROPMETORMARTNEMEXECUTIVE t7
OFFICCRIMEMBE�R EXCLUDED?
E.L EACH ACCIDENT S
,NIA
I(MAndatory 1A NH)
E.L. DISEASE - EA EMPLOYEE S
111 n dew dbe erg -der —La SC�AIPTIONQF OPERATIONS Woo ..............
DISEASE - POLICY y M
— .— A--
DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more space to requlmd)
Re: Engineering Plan Check Service, City of El Segundo.
Certificate holder and its officials, officers, agents and employees are included as additional insured per 49 -0116 (07111) endorsement Including primary
wording & waiver of subrogation.
Via email: jhegvold@elsegundo.org
.. .................... ----
CERTIFICATE HOLDER
. ........................
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.
350 Main Street
El Segundo, CA 90245 AUTHORIZED RFP I It I E I SENTATIVE
©1988 -2014 ACORD CORPORATION. All rights reserved.
ACORD 25 (2014101) The ACORD name and logo are registered marks of ACORD
SCHEDULED ADDITIONAL INSURED ENDORSEMENT
RESIDENTIAL),
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL UABILI'TY COVERAGE PART
ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS (!FORM S)
CG 20 10 11 86
Policy Number: NA106107002 Endorsement Effective: 1/13/2016 12:01am
Named Insured:....�' _. Countersigned
SCOTT MICHAEL WEAVER
SCOTT WEAVER �
SCHEDULE
Name o._ ..._.� ..._ .._ _
Person or Organization:
CITY OF EL SEGUNDO �
360 MAIN STREET
EL SEGUNDO CA 90246
VARIOUS LOCATIONS THROUGHOUT EL SEGUNDO, CA
WHO IS AN INSURED (Section II) is amended to include as an insured the person or organization shown in the
Schedule, but only with respect to liability arising out of'your work" for that insured by or for you.
The following additional provisions apply to any entity that is an insured by the terms of this endorsement:
1. Primary Wording
If required by written contract or agreement: Such insurance as is afforded by this policy shall be primary
insurance, and any insurance or self- insurance maintained by the above additional insured(s) shall be excess
of the insurance afforded to the named insured and shall not contribute to it.
2. Waiver of Subroplation
If required by written contract or agreement: We waive any right of recovery we may have against an entity
that is an additional insured per the terms of this endorsement because of payments we make for injury or
damage arising out of 'Your work' done under a contract with that person or organization.
3. Neither the coverages provided by this insurance policy nor the provisions of this endorsement shall apply to
any claim arising out of the sole negligence of any additional insured or any of their agents /employees.
4. This endorsement does not apply to any work involving or related to properties intended for permanent
residential or habitational occupancy (other than apartments).
The words "you" and "your' refer to the Named Insured shown in the Declarations.
"Your work" means work or operations performed by you or on your behalf; and materials, parts or equipment
furnished in connection with such work or operations.
49 -0116 0711 May Include Copyrighted Material of Insurance Services Offices, Inc. Page 1 of 1
Used with permission
March 27, 2014
Re: Scott, Weaver
Workers Coniperisatioll t 11s, ur,,,j lice
To WI'loni It May Concern:
Hardy Instirance Service is the insurance agent For Scott cUj-j�Cjjtjv
hande his General Liability & Excess Liability policies,
In reGards to Worker's Co�
4=1 IlPerisfEltion. since Scott Weaver is a sole proprietor Nvith
110 era ployee's. therefore he is not reqUired to have \,vorkers coinpensation. I have
attach,ed a co py of the CSLB piintow for Mr, weaver's license showing lie is
exempt fi °oni having to carry Nk"Orkers, Corapt'nisation,
f r "OU have any ffirther questions lease contact oLir office,
Respectfully.
Cr C;'-Mbey'
Christine Crilley, CI SR
Customer Service Associate
Page 1 of 2
D2, P,* R".1", 11E =P _ Q% p CO N1 3 J M A;:
Contractors State Ucense B,oard
.4 Per 36P 7017 '7 only construcUn related 60 judgments reported to the CSLB are disclosed.
-> Arbitrations are not listed unless the contractor fails to comply with the terms of the arbitration.
-it, Due to workload. there rray be relevant irforinaLon that has not ye" been entered onto the Board's !icense database
License Number
Business Information
Entity
Issue Date
Expire Date
License Status
Classifications
Bonding
Workers'Com pensation
Business Phone Number! (909) 239-4894
1114 ST GEORGE DR
SAN DI•AS, CA 91773
Sole Ownership
08107,11997
087211 `2015
11".�xtirsiat Date ".'2 !20114
ACTIVE
This ilcense s current anc All information below should be reviewed.
CLASS DESCRM110N
D28 -DCCR- GATES AND A'Tl%,'t;'ING DEVICES
C0,14TRACTOr',:, "S SOND
This Incense filed a Contractor's Bond with
ANIERIvA-Xl CONTRACTORS li\JQaN!.'j!TY COMPANY
-4
Bond Number. SC6028481
Bond Amount S12.500
Effective Date: 03/0212009
Cowrac- r's -Rona Hictory
WORKERS'COMPERSATION
This license is exempt from having workers compensation insurance: they certiried that
they have no employees at this time.
Effective Date: 0710312013
27,xm�, ,
https:://www2.csl b.ca.gov/0n1 i neServicestCheck Licerael I/Li censeDetafl.aspx?LicNum=73... 3127/2014
SCOTWEA -01 IRMAJ
CERTIFICATE OF LIABILITY INSURANCE D 1 1 11 2120 1 YV)
11 H 2!2015
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER, THIS
I 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, THEiSSUING INSURER(S), AUTHORIZED
RENRES'ENOATI'VE OR PRODUCER, AND "IHE CERTIFICATE HOLDER,
IMPORTANT: III the certificalo !molder is an ADDITIONAL AL INSURED the l tificy(dos) must be endorsed. If SUBROGATION IS WAIVED, subjact to
the terms and condkiorta of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rigll- is to the
certificate holder in lieu of such endottmram "tielrt(st
Prir:VOIJa ET% License 0252635 NAME ChristineCriliey, CI SR
U # °mmtod AI oilc�Ios
P.O. Ei P �9 E r 8•xr8 (SOS( 593.7776 (Apr NQQ (909 5913-5477
a - m_.,..
o� 488
La Verne, CA 01 750.7480'
Ira$000
Scott Weaver
1114 St Georgo Drive
San Dimas, CA 917 73
COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:
"IlHS G.' TO CERr y FHAT nIL POLlCtES OF VNVJ'T'IMNCE l,03rED triEE.IDVs }8v'w°" E BEEN IS'S,J:D TO, 1HE04Sd .NREDNAMIEIDALOV F"01. �,'1.Ik PIt^lw„..
°RT TU I 8 ` C �"� � " iOrk
lriCTI6.A8 D, TIC "RNlTilSTAi1DING A14Y P" &i:aQV.ti RF,M i�41, 7ERM OR t: rN!DMK.1'sl OF ANY CON T'RAC"I uM i O'T°I ER Dr, C URwflCaS "iV!ff18RE'Ld "ECr r 1"¢j9
(',Ek9.fF9C TE MAY BE Iwq;SUE:,4"U OR MAY F'Ei`rTAIN, THE 411SUJTTANCE AF m.)UTDED BY THE POq. C;ES I)E' CRISED �iEPE_NJS Sid BJEC "("TM:)A,L 0981. Ts`TTm ,
EXCLUSIONS UUSICU°:NS R' ND G0N1DFl K'X14 S OF oL q l P C S 8INVI S T°001 MAY V E BEEN RE UU ED RY PAID rLAVM S
IGLU, - �rbr,i rU ems MAC I E r 08 mur x r'U
T'dW P" OF INSURANCE
1rIC~It'J U" ...,,,,POLICY NUMBER IIM1 r�19L718tl} Atl �' dPuM9V4 A �M°Ww'm L ftrs
A X COMMERCIAL GENERAL LIABILITY ! ,,. _.
4 i 1,000,000
,w ,r
X X NA105107002 03!1312015 03113/2016 -' 50,000
I _
AUTOMOBILE LIABILITY,
B E 12001934
I �
01/2012015 01/2012016 J
I.
03/13/2015 0311312016
4,000,000
4,000,000
DESCRIPTION OF OPERATIONS 1 LOCATIONS IVEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more apace is required)
Re: Engineering Plan Check Service, City of El Segundo.
CiortiFcate holder and its officials, officers, agents and employees are included as additional insured per 49 -0108 (07111) including primary wording & waiver
of subrogation.
Via email: jhegvold @elsegundo.org
CERTIFICATE HOLDER CANCELLATION
City of El Segundo
350 Main Street
El Segundo, CA 90245
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
ACCORDANCE WITH THE POLICY PROVISIONS.
AUTH�ORI`Z'EED REPRESENTATIVE
'V
O 1988 -2014 ACORD CORPORATION. All rights reserved.
ACORD 25 (2014101) The ACORD name and logo are registered marks of ACORD
�, , " �' A
This endorsement modifies insurance provided under the following
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
irslua`y f ia.rRrber: NA105107002
Named Insured
SCOTT �BCHAEL WEAVER, DEA: SCOTT
WEAb'ER
Endorsement Liff a five. 03/13/2015 12:01 am,
_w_� .� ..,�,.,ri ,,.bi ..._ ............. .._ .......... ... .. ..... . •..........._..........._.•.__
Countersigned By:
SCHEDULE
N me of Person
Ky person or orgaiWaVizontlffit the named insured is obligated by virtue of a written contract or
agreement to provide insurance such as is afforded by this policy.
(If no entry appears above, information required to complete this endorsement will be shown in the Declarations
as applicable to this endorsement,)
A. Section II — Who Is An Insured is amended to include as an insured the person or organization
shown in the Schedule, but only to the extent that the person or organization shown in the
Schedule is held liable for your acts or omissions arising out of your ongoing operations
performed for that insured.
B. With respect to the insurance afforded to these additional insureds, the following exclusion is
added:
2. Exclusions
This insurance does not apply to "bodily injury" or "property damage" occurring after:`
(1) All work, including materials, parts or equipment furnished in connection with such ;
work, on the project (other than service, maintenance or repairs) to be performed by
or on behalf of the additional insured(s) at the site of the covered operations has bee�� T
completed; or
(2) That portion of "your work" out of which the injury or damage arises has been put to
its intended use by any person or organization other than another contractor or
subcontractor engaged in performing operations for a principal as a part of the same
project.
C. The words "you" and "your" refer to the Named Insured shown in the Declarations.
D. "Your work" means work or operations performed by you or on your behalf; and materials, parts"
or equipment furnished in connection with such work or operations
Primary Wording
If required by written contract or agreement: Such insurance as is afforded by this policy shall be
primary insurance, and any insurance or self- insurance maintained by the above additional
insured(s) shall be excess of the insurance afforded to the named insured and shall not contribute
to it.
Lauver of Subroaatkiri
If required by written contract or agreement: We waive any right of recovery we may have against
an entity that is an additional insured per the terms of this endorsement because of payments we
make for injury or damage arising out of 'your work" done under a contract with that person or
organization.
49 -0108 0711 May Include Copyrighted Material of Insurance Services Offices, Inc, Page 1 of 1
Used with permission
March 27, 2014
Re: Scott Weaver
Workers Compensation Insurance
To Whom It May Concern:
Hardy hisurarice Service is the insurance agent for Scott Weaver. We currently
hamlle his Getieral Liability & Excess Liability policies.
In regards to Worker's Compensation, since Scott Weaver is a sole proprietor with
no employee's, therefore he is not required to have workers compensation. I have
attached a copy of the CSLB printout for Mr. Weaver's license showing he is
exempt from having to carry Workers Compensation.
If you have any further questions please contact our office.
Respectfully,
awcw",,& Cr'
Christine Crilley, CISR
Customer Service Associate
i
Contractor's License Detail - License N '739029
D=Lfw,lk ERE A Ikcensa status checks Provides Inforrnatllon taken from the CSLB kicense database aefore .
relykng on this information, yoiu slhouIld bo aware of this foliowing lWilf dons.
CSL.B compWnt diisclloaure is restricted by lew (`" c ) If II entity its sullunbect to public con pilalnl disclosure, a /knit
for coonrnpWrnt dlscIIosure wildl appear IY Ircaws. Chick on the Ilnk or button to obtain compllallnt andlor iei;M action infornnallion.
Per ° & -P 7'- ..71:_ ^...7_ , onlpl co nsUu iuct6ou'w ii,eia(ed c0ggI judgments re i W the CSL II:.1 are disclosed.
ArNtratiorns are nnaK listed urVess the contracl:or faiis to comply with the terms of the artritration..
Due to workioad, Chtene may t reievant ianrorurrnabon that has not yet been entered oinio the Board's Hceinse database.
License Number
Llcense Status
Classifications
Bonding
Workers' Compensation
739029
Business Phone Number. (93) 23948344
1114 ST GEORGE DR
SAN DIMA S. Cie 91773
Sole Ownership
48/07!1937
01313V2315
5
Extract skate 312712014
C TiI V ,
ih�n„ iiCer)�Sr:a :r; CUrreni and aeztlry e A, Ili infornrstion /bellow, whoadd be nev ewen:d.
CI•... SS IF :,SQ Tell II " "0Iri
. �, :5 ANC ro tVr�d.i` iC 1�i:3 d28 0(RS
CONTRAC"IX)III BOND
ThIis Iliicense fi ed as f."ontrar;tw"s i'::ton d wits °u
AM1,. IJCANN fQrO NT1Rr~ C'T L1RS I NDED� Nd if ""n'' COM1R4kNY,
,G
httpsllwww2.csl b.ca. qov /Onl i neServi ces/CheckLicensel IlLi censeDetai I .aspx?L i cN um =73... 3/27/2014
COMMERCIAL GENERAL LIABILITY
CG 00 01 12 07
_..
Various provisions in this policy restrict coverage,
b. This insurance applies to "bodily injury" and
Read the entire policy carefully to determine rights,
"property damage " only if:
duties and what is and is not covered.
(1) The "bodily injury" or "property damage" is
Throughout this policy the words "you" and "your"
caused by an "occurrence" that takes place
refer to the Named Insured shown in the Declarations,
in the "coverage territory";
and any other person or organization qualifying as a
(2) The "bodily injury" or "property damage"
Named Insured under this policy. The words "we ",
occurs during the policy period; and
"us" and "our" refer to the company providing this
insurance.
(3) Prior to the policy period, no insured listed
under Paragraph 1, of Section II — Who Is
The word "insured" means any person or organization
An Insured and no "employee" authorized
qualifying as such under Section II — Who Is An In-
by you to give or receive notice of an "as-
sured.
currence" or claim, knew that the "bodily in-
Other words and phrases Thal appear in quolalion
jury" or "property damage" had occurred, in
marks have special meaning. Reter to Section V —
whole or in part. If such a listed insured or
Definitions.
authorized "employee" knew, prior to the
SECTION I — COVERAGES
policy period, that the "bodily injury" or
"property damage" occurred, then any con -
COVERAGE A BODILY INJURY AND PROPERTY
tinuation, change or resumption of such
DAMAGE LIABILITY
"bodily injury" or "property damage" during
1. Insuring Agreement
or after the policy period will be deemed to
a. We will pay those sums that the insured be-
have been known prior to the policy period.
comes legally obligated to pay as damages
c. "Bodily injury" or "property damage" which
because of "bodily injury" or "property damage"
occurs during the policy period and was not,
to which this insurance applies. We will have
prior to the policy period, known to have oc-
the right and duty to defend the insured against
curred by any insured listed under Paragraph
any "suit" seeking those damages. However,
1. of Section II — Who Is An Insured or any
we will have no duty to defend the insured
"employee" authorized by you to give or re-
against any "suit" seeking damages for "bodily
ceive notice of an "occurrence" or claim, in-
injury" or "property damage" to which this in-
cludes any continuation, change or resumption
surance does not apply. We may, at our discre-
of that "bodily injury" or "property damage" af-
tion, investigate any "occurrence" and settle
ter the end of the policy period.
any claim or "suit" that may result. But:
d. "Bodily injury" or "property damage" will be
(1) The amount we will pay for damages is
deemed to have been known to have occurred
limited as described in Section III — Limits
at the earliest time when any insured listed un-
Of Insurance; and
der Paragraph 1. of Section If — Who Is An In-
(2) Our right and duty to defend ends when we
sured or any "employee" authorized by you to
"occurrence"
have used up the applicable limit of insur-
give or receive notice of an or
ance in the payment of judgments or set-
claim:
dements under Coverages A or B or medi-
(1) Reports all, or any part, of the "bodily injury"
cal expenses under Coverage C.
or "property damage" to us or any other in-
No other obligation or liability to pay sums or
surer;
perform acts or services is covered unless ex-
(2) Receives a written or verbal demand or
plicitly provided for under Supplementary Pay-
claim for damages because of the "bodily
ments — Coverages A and B.
injury" or "property damage "; or
(3) Becomes aware by any other means that
"bodily injury" or "property damage" has oc-
curred or has begun to occur.
CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 1 of 116 0
e. Damages because of "bodily injury" include
damages claimed by any person or organiza-
tion for care, loss of services or death resulting
at any time from the "bodily injury".
2. Exclusions
This insurance does not apply to:
a. Expected Or Intended Injury
"Bodily injury" or "property damage" expected
or intended from the standpoint of the insured.
This exclusion does not apply to "bodily injury"
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 con-
tract or agreement. This exclusion does not
apply to liability for damages:
(1) That the insured would have in the absence
of the contract or agreement; or
(2) Assumed in a contract or agreement that is
an "insured contract ", provided the "bodily
injury" or "property damage' occurs subse-
quent to the execution of the contract or
agreement. Solely for the purposes of liabil-
ity assumed in an "insured contract ", rea-
sonable attorney fees and necessary litiga-
tion expenses incurred by or for a party
other than an insured are deemed to be
damages because of "bodily injury" or
"property damage ", provided:
(a) Liability to such party for, or for the cost
of, that party's defense has also been
assumed in the same "insured contract ";
and
(b) Such attorney fees and litigation ex-
penses are for defense of that party
against a civil l or alternative dispute
resolution proceeding in which damages
to which this insurance applies are al-
leged.
c. Liquor Liability
"Bodily injury" or "property damage" for which
any insured may be held liable by reason of:
(1) Causing or contributing to the intoxication of
any person;
(2) The furnishing of alcoholic beverages to a
person under the legal drinking age or un-
der the influence of alcohol; or
(3) Any statute, ordinance or regulation relating
to the sale, gift, distribution or use of alco-
holic beverages.
This exclusion applies only if you are in the
business of manufacturing, distributing, selling,
serving or furnishing alcoholic beverages.
d. Workers' Compensation And Similar Laws
Any obligation of the insured under a workers'
compensation, disability benefits or unem-
ployment compensation law or any similar law.
e. Employer's Liability
"Bodily injury" to:
(1) An "employee" of the insured arising out of
and in the course of:
(a) Employment by the insured; or
(b) Performing duties related to the conduct
of the insured's business; or
(2) The spouse, child, parent, brother or sister
of that "employee" as a consequence of
Paragraph (1) above.
This exclusion applies whether the insured
may be liable as an employer or in any other
capacity and to any obligation to share dam-
ages with or repay someone else who must
pay damages because of the injury.
This exclusion does not apply to liability as-
sumed by the insured under an "insured con-
tract".
Page 2 of 16 © ISO Properties, Inc., 2006 CG 00 0112 07 p
f. Pollution
(d) At or from any premises, site or location
(1) "Bodily injury" or "property damage" arising
on which any insured or any contractors
out of the actual, alleged or threatened dis-
or subcontractors working directly or in-
charge, dispersal, seepage, migration, re-
directly on any insured's behalf are per -
lease or escape of "pollutants ":
forming operations if the "pollutants" are
brought on or to the premises, site or lo-
(a) Al or from any premises, site or location
cation in connection with such opera -
which is or was at any time owned or
tions by such insured, contractor or sub -
occupied by, or rented or loaned to, any
contractor. However, this subparagraph
insured. However, this subparagraph
does not apply to:
does not apply to
(i ) "Bodily injury" or "property damage" e"
O i "Bodily injury" if sustained within a
arising out of the escape of fuels, lu-
building and caused by smoke,
bricants or other operating fluids
fumes, vapor or soot produced by or
which are needed to perform the
originating from equipment that is
normal electrical, hydraulic or me-
used to heat, cool or dehumidify the
chanical functions necessary for the
building, or equipment that is used to
operation of "mobile equipment" or
heat water for personal use, by the
its parts, if such fuels, lubricants or
building's occupants or their guests;
other operating fluids escape from a
(ii) "Bodily injury" or "property damage"
vehicle part designed to hold, store
for which you may be held liable, if
or receive them. This exception does
you are a contractor and the owner
not apply if the "bodily injury" or
or lessee of such premises, site or
"property damage" arises out of the
location has been added to your pol-
intentional discharge, dispersal or re-
icy as an additional insured with re-
lease of the fuels, lubricants or other
sped to your ongoing operations
operating fluids, or if such fuels, lu-
performed for that additional insured
bricants or other operating fluids are
at that premises, site or location and
brought on or to the premises, site or
such premises, site or location is not
location with the intent that they be
and never was owned or occupied
discharged, dispersed or released as
by, or rented or loaned to, any in-
part of the operations being per -
sured, other than that additional in-
formed by such insured, contractor
sured; or
or subcontractor;
(iii) "Bodily injury" or "property damage"
(ii) "Bodily injury" or "property damage"
arising out of heat, smoke or fumes
sustained within a building and
from a "hostile fire ";
caused by the release of gases,
(b) At or from any premises, site or location
fumes or vapors from materials
which is or was at any time used by or
brought into that building in connec-
for any insured or others for the han-
tion with operations being performed
dling, storage, disposal, processing or
by you or on your behalf by a con -
if
treatment of waste;
tractor or subcontractor; o r
(c) Which are or were at any time trans-
(iii) "Bodily injury" or "property damage"
ported, handled, stored, treated, dis-
arising out of heat, smoke or fumes
posed of, or processed as waste by or
from a "hostile fire ".
for:
(e) At or from any premises, site or location
(i) Any insured; or
on which any insured or any contractors
or subcontractors working directly or in-
(ii) Any person or organization for whom
directly on any insured's behalf are per -
you may be legally responsible; or
forming operations if the operations are
to test for, monitor, clean up, remove,
contain, treat, detoxify or neutralize, or
in any way respond to, or assess the ef-
fects of, "pollutants ".
CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 3 of 16 a
(2) Any loss, cost or expense arising out of
any;
(a) Request, demand, order or statutory or
regulatory requirement that any insured
or others test for, monitor, clean up, re-
move, contain, treat, detoxify or neutral-
ize, or in any way respond to, or assess
the effects of, "pollutants "; or
(b) Claim or "suit" by or on behalf of a gov-
ernmental authority for damages be-
cause of testing for, monitoring, cleaning
up, removing, containing, treating, de-
toxifying or neutralizing, or in any way
responding to, or assessing the effects
of, "pollutants ".
However, this paragraph does not apply to
liability for damages because of "property
damage" that the insured would have in the
absence of such request, demand, order or
statutory or regulatory requirement, or such
claim or "suit" by or on behalf of a govern-
mental authority.
g. Aircraft, Auto Or Watercraft
"Bodily injury" or "property damage" arising out
of the ownership, maintenance, use or en-
trustment to others of any aircraft, "auto" or wa-
tercraft owned or operated by or rented or
loaned to any insured. Use includes operation
and "loading or unloading ".
This exclusion applies even if the claims
against any insured allege negligence or other
wrongdoing in the supervision, hiring, employ-
ment, training or monitoring of others by that
insured, if the "occurrence" which caused the
"bodily injury" or "property damage" involved
the ownership, maintenance, use or entrust-
ment to others of any aircraft, "auto" or water-
craft that is owned or operated by or rented or
loaned to any insured.
This exclusion does not apply to:
(1) A watercraft while ashore on premises you
own or rent;
(2) A watercraft you do not own that is:
(a) Less than 26 feet long; and
(b) Not being used to carry persons or
property for a charge;
(3) Parking an "auto" on, or on the ways next
to, premises you own or rent, provided the
"auto" is not owned by or rented or loaned
to you or the insured;
(4) Liability assumed under any "insured con-
tract" for the ownership, maintenance or
use of aircraft or watercraft; or
(5) "Bodily injury" or "property damage" arising
out of:
(a) The operation of machinery or equip-
ment that is attached to, or part of, a
land vehicle that would qualify under the
definition of "mobile equipment" if it were
not subject to a compulsory or financial
responsibility law or other motor vehicle
insurance law in the state where it is li-
censed or principally garaged; or
(b) the operation of any of the machinery or
equipment listed in Paragraph f.(2) or
f.(3) of the definition of "mobile equip-
ment".
h. Mobile Equipment
"Bodily injury" or "property damage" 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.
i, War
"Bodily injury" or "property damage ". 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 govem-
ment, sovereign or other authority using
military personnel or other agents; or
(3) Insurrection, rebellion, revolution, usurped
power, or action taken by governmental au-
thority in hindering or defending against any
of these.
j. Damage To Property
"Property damage" to:
(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, restora-
tion or maintenance of such property for
any reason, including prevention of injury to
a person or damage to another's property;
(2) Premises you sell, give away or abandon, if
the "property damage" arises out of any
part of those premises;
(3) Property loaned to you;
(4) Personal property in the care, custody or
control of the insured;
Page 4 of 16 © ISO Properties, Inc., 2006 CG 00 0112 07 i]
(5) That particular part of real property on
which you or any contractors or subcontrac-
tors working directly or indirectly on your
behalf are performing operations, if the
"property damage' arises out of those op-
erations, or
(6) That particular part of any property that
must be restored. repaired or replaced be-
cause "your work" was incorrectly per-
formed on it.
Paragraphs (1), (3) and (4) of this exclusion do
not apply to "property damage" (other than
damage by fire) to premises, including the con-
tents of such premises, rented to you for a pe-
riod of 7 or fewer consecutive days. A separate
limit of insurance applies to Damage To Prem-
ises Rented To You as described in Section III
— Limits Of Insurance.
Paragraph (2) of this exclusion does not apply
if the premises are "your work" and were never
occupied, rented or held for rental by you.
Paragraphs (3), (4), (5) and (6) of this exclu-
sion do not apply to liability assumed under a
sidetrack agreement.
Paragraph (6) of this exclusion does not apply
to "property damage' included in the "products -
completed operations hazard ".
k. Damage To Your Product
"Property damage" to "your product" arising out
of it or any part of it.
I. Damage To Your Work
"Property damage" to "your work" arising out of
it or any part of it and included in the "products -
completed operations hazard ".
This exclusion does not apply if the damaged
work or the work out of which the damage
arises was performed on your behalf by a sub-
contractor.
m. Damage To Impaired Property Or Property
Not Physically Injured
"Property damage" to "impaired property" or
property that has not been physically injured,
arising out of:
(1) A defect, deficiency, inadequacy or danger-
ous condition in "your product" or "your
work "; or
(2) A delay or failure by you or anyone acting
on your behalf to perform a contract or
agreement in accordance with its terms.
This exclusion does not apply to the loss of use
of other property arising out of sudden and ac-
cidental physical injury to "your product" or
"your work" after it has been put to its intended
use.
n. Recall Of Products, Work Or Impaired
Property
Damages claimed tar any loss, cost or ex-
pense incurred by you or others for the loss of
use, withdrawal, recall, inspection, repair, re-
placement, 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.
o. Personal And Advertising Injury
"Bodily injury" arising out of "personal and ad-
vertising injury".
p. Electronic Data
Damages arising out of the loss of, loss of use
of, damage to, corruption of, inability to access,
or inability to manipulate electronic data.
As used in this exclusion, electronic data
means information, facts or programs stored as
or on, created or used on, or transmitted to or
from computer software, including systems and
applications software, hard or floppy disks, CD-
ROMS, tapes, drives, cells, data processing
devices or any other media which are used
with electronically controlled equipment.
q. Distribution Of Material In Violation Of
Statutes
"Bodily injury" or "property damage" arising di-
rectly or indirectly out of any action or omission
that violates or is alleged to violate:
(1) The Telephone Consumer Protection Act
(TCPA), including any amendment of or
addition to such law; or
(2) The CAN -SPAM Act of 2003, including any
amendment of or addition to such law; or
(3) Any statute, ordinance or regulation, other
than the TCPA or CAN -SPAM Act of 2003,
that prohibits or limits the sending, transmit-
ting, communicating or distribution of mate-
rial or information.
CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 5 of 16 Cl
Exclusions c, through n. do not apply to damage
by fire to prr.rnises while rented to you or tempo-
rarily occupied by you with permission of the
owner. A separate limit of insurance applies to this
coverage as described in Section III — Limits Of
Insurance.
COVERAGE B PERSONAL AND ADVERTISING
INJURY LIABILITY
1. Insuring Agreement
a. We will pay those sums that the insured be-
comes legally obligated to pay as damages
because of "personal and advertising injury" to
which this insurance applies. We will have the
right and duty to defend the insured against
any "suit" seeking those damages. However,
we will have no duty to defend the insured
against any "suit" seeking damages for "per-
sonal and advertising injury" to which this in-
surance does not apply. We may, at our discre-
tion, investigate any offense and settle any
claim or "suit" that may result. But:
(1) The anry., unt we will pay for damages is
limited as described in Section III — Limits
Of Insurance; and
(2) Our right and duty to defend end when we
have used up the applicable limit of insur-
ance in the payment of judgments or set-
tlements under Coverages A or B or medi-
cal expenses under Coverage C.
No other obligation or liability to pay sums or
perform acts or services is covered unless ex-
plicitly provided for under Supplementary Pay-
ments — Coverages A and B.
b. This insurance applies to "personal and adver-
tising 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 knowl-
edge that the act would violate the rights of an-
other and would inflict "personal and advertis-
ing injury".
b. Material Published With Knowledge Of
Falsity
c. Material Published Prior To Policy Period
"Personal and advertising injury" arising out of
oral or written publication of material whose
first publication took place before the beginning
of the policy period.
d. Criminal Acts
Personal and advertising injury arising out of
a criminal act committed by or at the direction
of the insured.
e, Contractual Liability
"Personal and advertising injury" for which the
insured has assumed liability in a contract or
agreement. This exclusion does not apply to li-
ability for damages that the insured would have
in the absence of the contract or agreement.
f. Breach Of Contract
"Personal and advertising injury" arising out of
a breach of contract, except an implied con-
tract to use another's advertising idea in your
"advertisement ".
g. quality Or Performance Of Goods— Failure
To Conform To Statements
"Personal and advertising injury" arising out of
the failure of goods, products or services to
conform with any statement of quality or per-
formance made in your "advertisement ".
h. Wrong Description Of Prices
"Personal and advertising injury" arising out of
the wrong description of the price of goods,
products or services stated in your "advertise-
ment".
i. Infringement Of Copyright, Patent,
Trademark Or Trade Secret
"Personal and advertising injury' arising out of
the infringement of copyright, patent, trade-
mark, trade secret or other intellectual property
rights. Under this exclusion, such other intellec-
tual property rights do not include the use of
another's advertising idea in your "advertise-
ment".
However, this exclusion does not apply to in-
fringement, in your "advertisement ", of copy-
right, trade dress or slogan.
j. Insureds In Media And Internet Type
Businesses
"Personal and advertising injury" committed by
an insured whose business is:
Personal and advertising injury" arising out of (1) Advertising, broadcasting, publishing or
oral or written publication of material, if done by telecasting;
or at the direction of the insured with knowl-
edge of its falsity. (2) Designing or determining content of web -
sites for others; or
Page 6 of 16 © ISO Properties, Inc., 2006 CG 00 0112 07
(3) An Internet search, access, content or
service provider,
However, this exclusion does not apply to
Paragraphs 14.a., b. and c. of "personal and
advertising injury" under the Definitions Sec-
tion.
For the purposes of this exclusion, the placing
of frames, borders or links, or advertising, for
you or others anywhere on the Internet, is not
by itself, considered the business of advertis-
ing, broadcasting, publishing or telecasting.
k. Electronic Chatrooms Or Bulletin Boards
"Personal and advertising injury" arising out of
an electronic chatroum or bulletin board the in-
sured hosts, owns, or over which the insured
exercises control.
I, Unauthorized Use Of Another's Name Or
Product
"Personal and advertising injury" arising out of
the unauthorized use of another's name or
product in your e-mail address, domain name
or metatag, or any other similar tactics to mis-
lead another's potential customers.
m. Pollution
"Personal and advertising injury" arising out of
the actual, alleged or threatened discharge,
dispersal, seepage, migration, release or es-
cape of "pollutants" at any time.
n. Pollution - Related
Any loss, cost or expense arising out of any:
(1) Request, demand, order or statutory or
regulatory requirement that any insured or
others test for, monitor, clean up, remove,
contain, treat, detoxify or neutralize, or in
any way respond to, or assess the effects
of, "pollutants "; or
(2) Claim or suit by or on behalf of a govern-
mental authority for damages because of
testing for, monitoring, cleaning up, remov-
ing, containing, treating, detoxifying or neu-
tralizing, or in any way responding to, or
assessing the effects of, "pollutants ".
o. War
"Personal and advertising injury", 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 govern-
ment, sovereign or other authority using
military personnel or other agents; or
(3) Insurrection, rebellion, revolution, usurped
power, or action taken by governmental au-
thority in hindering or defending against any
of these.
p. Distribution Of Material In Violation Of
Statutes
"Personal and advertising injury" arising di-
rectly or indirectly out of any action or omission
that violates or is alleged to violate:
(1) The Telephone Consumer Protection Act
(TCPA), including any amendment of or
addition to such law; or
(2) The CAN -SPAM Act of 2003, including any
amendment of or addition to such law; or
(3) Any statute, ordinance or regulation, other
than the TCPA or CAN -SPAM Act of 2003,
that prohibits or limits the sending, transmit-
ting, communicating or distribution of mate-
rial or information.
COVERAGE C MEDICAL PAYMENTS
1. Insuring Agreement
a. We will pay medical expenses as described
below for "bodily injury" caused by an accident:
(1) On premises you own or rent;
(2) On ways next to premises you own or rent;
or
(3) Because of your operations;
provided that:
(a) The accident takes place in the "cover-
age territory" and during the policy pe-
riod;
(b) The expenses are incurred and reported
to us within one year of the date of the
accident; and
(c) The injured person submits to examina-
tion, at our expense, by physicians of
our choice as often as we reasonably
require.
b, We will make these payments regardless of
fault. These payments will not exceed the ap-
plicable limit of insurance. We will pay reason-
able expenses for:
(1) First aid administered at the time of an
accident;
(2) Necessary medical, surgical, x -ray and
dental services, including prosthetic de-
vices; and
(3) Necessary ambulance, hospital, profes-
sional nursing and funeral services.
CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 7 of 16 0
2. Exclusions
We will not pay expenses tar "bodily injury":
a. Any Insured
To any insured, except "volunteer workers"
In, Hired Person
To a person hired to do work for or on behalf of
any insured or a tenant of any insured.
c. Injury On Normally Occupied Premises
To a person injured on that part of premises
you own or rent that the person normally occu-
pies.
d. Workers Compensation And Similar Laws 2.
To a person, whether or not an "employee" of
any insured, if benefits for the "bodily injury"
are payable or must be provided under a work-
ers' compensation or disability benefits law or a
similar law.
e. Athletics Activities
To a person injured while practicing, instructing
or participating in any physical exercises or
games, sports, or athletic contests.
f. Products - Completed Operations Hazard
Included within the "products- completed opera-
tions hazard ".
g. Coverage A Exclusions
Excluded under Coverage A.
SUPPLEMENTARY PAYMENTS — COVERAGES A
AND B
1. We will pay, with respect to any claim we investi-
gate or settle, or any "suit" against an insured we
defend:
a, All expenses we incur.
b. Up to $250 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.
c. The cost of bonds to release attachments, but
only for bond amounts within the applicable
limit of insurance. We do not have to furnish
these bonds.
d. All reasonable expenses incurred by the in-
sured at our request to assist us in the investi-
gation or defense of the claim or "suit ", includ-
ing actual loss of earnings up to $250 a day
because of time off from work.
e, All court costs taxed against the insured in the
"suit ". However, these payments do not include
attorneys' fees or attorneys' expenses taxed
against the insured.
to Pre ltv:19altint irAo rent swam ttd a(jainsl the
irr.,i.awed drrw that pkidt; 0 Ihtw Judgment we pay, if
we make an offer to pay the applicable limit of
insurance, we will not pay any prejudgment in-
terest based on that period of time after the of-
fer.
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 depos-
ited in court the part of the judgment that is
within the applicable limit of insurance.
These payments will not reduce the limits of insur-
ance.
If we defend an insured against a "suit" and an
indemnitee of the insured is also named as a party
to the "suit ", we will defend that indemnitee if all of
the following conditions are met:
a. The "suit" against the indemnitee seeks dam-
ages for which the insured has assumed the li-
ability of the indemnitee in a contract or agree-
ment that is an "insured contract ";
b. This insurance applies to such liability as-
sumed by the insured;
c. The obligation to defend, or the cost of the
defense of, that indemnitee, has also been as-
sumed by the insured in the same "insured
contract ";
d. The allegations in the "suit" and the information
we know about the "occurrence" are such that
no conflict appears to exist between the inter-
ests of the insured and the interests of the in-
demnitee;
e. The indemnitee and the insured ask us to
conduct and control the defense of that indem-
nitee against such "suit" and agree that we can
assign the same counsel to defend the insured
and the indemnitee; and
f. The indemnitee:
(1) Agrees in writing to:
(a) Cooperate with us in the investigation,
settlement or defense of the "suit'
(b) Immediately send us copies of any
demands, notices, summonses or legal
papers received in connection with the
"suit ";
(c) Notify any other insurer whose coverage
is available to the indemnitee; and
(d) Cooperate with us with respect to coor-
dinating other applicable insurance
available to the indemnitee; and
(2) Provides us with written authorization to:
(a) Obtain records and other information
related to the "suit"; and
Page 8 of 16 OO ISO Properties, Inc., 2006 CG 00 0112 07 ❑
(b) Conduct and control the defense of the
indemnitee in such "suit".
So long as the above conditions are met, attor-
neys fees incurred by us in the defense of that in-
demnitee, necessary litigation expenses incurred
by us and necessary litigation expenses incurred
by the indemnitee at our request will be paid as
Supplementary Payments. Notwithstanding the
provisions of Paragraph 2.b.(2) of Section I — Cov-
erage A — Bodily Injury And Property Damage Li-
ability, such payments will not be deemed to be
damages for "bodily injury" and "property damage"
and will not reduce the limits of insurance.
Our obligation to defend an insured's indemnitee
and to pay for attorneys' fees and necessary litiga-
tion expenses as Supplementary Payments ends
when we have used up the applicable limit of in-
surance in the payment of judgments or settle-
ments or the conditions set forth above, or the
terms of the agreement described in Paragraph f.
above, are no longer met.
SECTION II — WHO IS AN INSURED
1. If you are designated in the Declarations as:
a. An individual, you and your spouse are insur-
eds, but only with respect to the conduct of a
business of which you are the sole owner.
b, A partnership or joint venture, you are an in-
sured. Your members, your partners, and their
spouses are also insureds, but only with re-
spect to the conduct of your business.
c. A limited liability company, you are an insured.
Your members are also insureds, but only with
respect to the conduct of your business. Your
managers are insureds, but only with respect
to their duties as your managers.
d. An organization other than a partnership, joint
venture or limited liability company, you are an
insured. Your "executive officers" and directors
are insureds, but only with respect to their du-
ties as your officers or directors. Your stock-
holders are also insureds, but only with respect
to their liability as stockholders.
e. A trust, you are an insured. Your trustees are
also insureds, but only with respect to their du-
ties as trustees.
2. Each of the following is also an insured:
a. Your "volunteer workers" only while performing
duties related to the conduct of your business,
or your "employees', other than either your
"executive officers" (if you are an organization
other than a partnership, joint venture or limited
liability company) or your managers (if you are
a limited liability company), but only for acts
within the scope of their employment by you or
while performing duties related to the conduct
of your business. However, none of these "em-
ployees" or 'Volunteer workers" are insureds
for:
(1) "Bodily injury" or "personal and advertising
injury":
(a) To you, to your partners or members (if
you are a partnership or joint venture),
to your members (if you are a limited li-
ability company), to a co- "employee"
while in the course of his or her em-
ployment or performing duties related to
the conduct of your business, or to your
other "volunteer workers" while perform-
ing duties related to the conduct of your
business;
(b) To the spouse, child, parent, brother or
sister of that co-"employee" or "volun-
teer worker" as a consequence of Para-
graph (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 Paragraphs (1)(a)
or (b) above; or
(d) Arising out of his or her providing or
failing to provide professional health
care services.
(2) "Property damage" to property:
(a) Owned, occupied or used by,
(b) Rented to, in the care, custody or con-
trol of, or over which physical control is
being exercised for any purpose by
you, any of your "employees ", "volunteer
workers ", any partner or member (if you are
a partnership or joint venture), or any mem-
ber (if you are a limited liability company).
CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 9 of 16 0
b. Any person (other than your "employee" or
"volunteer worker "), or any organization while
acting as your real estate manager.
c. Any person or organization having proper
temporary custody of your property if you die,
but only:
(1) With respect to liability arising out of the
maintenance or use of that property; and
(2) Until your legal representative has been
appointed.
d. Your legal representative if you die, but only
with respect to duties as such. That represen-
tative will have all your rights and duties under
this Coverage Part.
3. Any organization you newly acquire or form, other
than a partnership, joint venture or limited liability
company, and over which you maintain ownership
or majority interest, will qualify as a Named In-
sured if there is no other similar insurance avail-
able to that organization. However:
a. Coverage under this provision is afforded only
until the 90th day after you acquire or form the
organization or the end of the policy period,
whichever is earlier;
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.
No person or organization is an insured with respect
to the conduct of any current or past partnership, joint
venture or limited liability company that is not shown
as a Named Insured in the Declarations.
SECTION III —LIMITS OF INSURANCE
1. The Limits of Insurance shown in the Declarations
and the rules below fix the most we will pay re-
gardless of the number of:
a. Insureds;
b. Claims made or "suits" brought; or
c. Persons or organizations making claims or
bringing "suits ".
2. The General Aggregate Limit is the most we will
pay for the sum of:
a. Medical expenses under Coverage C;
b. Damages under Coverage A, except damages
because of "bodily injury" or "property damage"
included in the "products- completed operations
hazard "; and
c, Damages under Coverage B.
3. The Products - Completed Operations Aggregate
Limit is the most we will pay under Coverage A for
damage: because of "bodily injury" and "property
damage" included in the "products- completed op-
erations hazard ".
4. Subject to Paragraph 2. above, the Personal and
Advertising Injury Limit is the most we will pay un-
der Coverage B for the sum of all damages be-
cause of all "personal and advertising injury" sus-
tained by any one person or organization.
5. Subject to Paragraph 2. or 3, above, whichever
applies, the Each Occurrence Limit is the most we
will pay for the sum of:
a. Damages under Coverage A; and
b. Medical expenses under Coverage C
because of all "bodily injury" and "property dam-
age" arising out of any one "occurrence ".
6. Subject to Paragraph 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,
while rented to you or temporarily occupied by you
with permission of the owner.
7. Subject to Paragraph 5, above, the Medical Ex-
pense Limit is the most we will pay under Cover-
age C for all medical expenses because of "bodily
injury" sustained by any one person.
The Limits of Insurance of this Coverage Part apply
separately to each consecutive annual period and to
any remaining period of less than 12 months, starting
with the beginning of the policy period shown in the
Declarations, unless the policy period is extended
after issuance for an additional period of less than 12
months. In that case, the additional period will be
deemed part of the last preceding period for purposes
of determining the Limits of Insurance.
SECTION IV —COMMERCIAL GENERAL LIABILITY
CONDITIONS
1. Bankruptcy
Bankruptcy or insolvency of the insured or of the
insured's estate will not relieve us of our obliga-
tions under this Coverage Part,
2. Duties In The Event Of Occurrence, Offense,
Claim Or Suit
a. You must see to it that we are notified as soon
as practicable of an "occurrence" or an offense
which may result in a claim. To the extent pos-
sible, 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
Page 10 of 16 O ISO Properties, Inc., 2006 CG 00 0112 07 0
(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 dale received; and
(2) Notify us as soon as practicable.
You must see to it that we receive written no-
tice of the claim or "suit" as soon as practica-
ble.
c. You and any other involved insured must:
(1) Immediately send us copies of any de-
mands, notices, summonses or legal pa-
pers received in connection with the claim
or "suit ";
(2) Authorize us to obtain records and other
information;
(3) Cooperate with us in the investigation or
settlement of the claim or defense against
the "suit'; and
(4) Assist us, upon our request, in the en-
forcement of any right against any person
or organization which may be liable to the
insured because of injury or damage to
which this insurance may also apply.
d. No insured will, except at that insured's own
cost, voluntarily make a payment, assume any
obligation, or incur any expense, other than for
first aid. without our consent.
3. Legal Action Against Us
No person or organization has a right under this
Coverage Part:
a. To join us as a party or otherwise bring us into
a "suit" asking for damages from an insured; or
b. To sue us on this Coverage Part unless all of
its terms have been fully complied with.
A person or organization may sue us to recover on
an agreed settlement or on a final judgment
against an insured; but we will not be liable for
damages that are not payable under the terms of
this Coverage Part or that are in excess of the ap-
plicable limit of insurance. An agreed settlement
means a settlement and release of liability signed
by us, the insured and the claimant or the claim-
ant's legal representative.
4. Other Insurance
If other valid and collectible insurance is available
to the insured for a loss we cover under Cover-
ages A or B of this Coverage Part, our obligations
are limited as follows:
a. Primary Insurance
This insurance is primary except when Para-
graph b. below applies. If this insurance is pri-
mary, our obligations are not affected unless
any of the other insurance is also primary.
Then, we will share with all that other insur-
ance by the method described in Paragraph c.
below.
b. Excess Insurance
(1) This insurance is excess over:
(a) Any of the other insurance, whether
primary, excess, contingent or on any
other basis:
(i) That is Fire, Extended Coverage,
Builders Risk, installation Risk or
similar coverage for "your work";
(ii) That is Fire insurance for premises
rented to you or temporarily occu-
pied by you with permission of the
owner;
(iii) That is insurance purchased by you
to cover your liability as a tenant for
"property damage" to premises
rented to you or temporarily occu-
pied by you with permission of the
owner; or
(iv) If the loss arises out of the mainte-
nance or use of aircraft, "autos" or
watercraft to the extent not subject to
Exclusion g. of Section I — Coverage
A — Bodily Injury And Property Dam-
age Liability.
(b) Any other primary insurance available to
you covering liability for damages aris-
ing out of the premises or operations, or
the products and completed operations,
for which you have been added as an
additional insured by attachment of an
endorsement.
(2) When this insurance is excess, we will have
no duty under Coverages A or B to defend
the insured against any "suit" if any other
insurer has a duty to defend the insured
against that "suit ". If no other insurer de-
fends, we will undertake to do so, but we
will be entitled to the insured's rights
against all those other insurers.
CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 11 of 16 I]
(3) When this insurance is excess over other
insurance, we will pay only our share of the
amount of the loss, if any, that exceeds the
sum of:
c. We have issued this policy in reliance upon
your representations.
7. Separation Of Insureds
Except with respect to the Limits of Insurance, and
insurance would p
(a) The total anuld p ay for the loss in the that all Such other any rights or duties specifically assigned in this
Coverage Part to the first Named Insured, this in-
absence of this insurance; and surance applies:
(b) The total of all deductible and self- a. As if each Named Insured were the only
insured amounts under all that other in- Named Insured; and
surance.
(4) We will share the remaining loss, if any,
with any other insurance that is not de-
scribed in this Excess Insurance provision
and was not bought specifically to apply in
excess of the Limits of Insurance shown in
the Declarations of this Coverage Part.
c. Method Of Sharing
If all of the other insurance permits contribution
by equal shares, we will follow this method
also. Under this approach each insurer con-
tributes equal amounts until it has paid its ap-
plicable limit of insurance or none of the loss
remains, whichever comes first.
If any of the other insurance does not permit
contribution by equal shares, we will contribute
by limits. Under this method, each insurer's
share is based on the ratio of its applicable
limit of insurance to the total applicable limits of
insurance of all insurers.
5, Premium Audit
a. We will compute all premiums for this Cover-
age Part in accordance with our rules and
rates.
b. Premium shown in this Coverage Part as ad-
vance premium is a deposit premium only. At
the close of each audit period we will compute
the earned premium for that period and send
notice to the first 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
premium, we will return the excess to the first
Named Insured.
c. The first Named Insured must keep records of
the information we need for premium computa-
tion, and send us copies at such times as we
may request.
6. Representations
By accepting this policy, you agree:
a. The statements in the Declarations are accu-
rate and complete;
b. Those statements are based upon representa-
tions you made to us; and
b. Separately to each insured against whom claim
is made or "suit" is brought.
8. Transfer Of Rights Of Recovery Against Others
To Us
If the insured has rights to recover all or part of
any payment we have made under this Coverage
Part, those rights are transferred to us. The in-
sured must do nothing after loss to impair them. At
our request, the insured will bring "suit" or transfer
those rights to us and help us enforce them.
9, When We Do Not Renew
If we decide not to renew this Coverage Part, we
will mail or deliver to the first Named Insured
shown in the Declarations written notice of the
nonrenewal not less than 30 days before the expi-
ration date.
If notice is mailed, proof of mailing will be sufficient
proof of notice.
SECTION V— DEFINITIONS
1, "Advertisement' means a notice that is broadcast
or published to the general public or specific mar-
ket segments about your goods, products or ser-
vices for the purpose of attracting customers or
supporters. For the purposes of this definition:
a. Notices that are published include material
placed on the Internet or on similar electronic
means of communication; and
b. Regarding web - sites, only that part of a web -
site that is about your goods, products or ser-
vices for the purposes of attracting customers
or supporters is considered an advertisement.
2. "Auto' means:
a. A land motor vehicle, trailer or semitrailer de-
signed for travel on public roads, including any
attached machinery or equipment; or
b, Any other land vehicle that is subject to a com-
pulsory or financial responsibility law or other
motor vehicle insurance law in the state where
it is licensed or principally garaged.
However, "auto' does not include "mobile equip-
ment'.
Page 12 of 16 © ISO Properties, Inc., 2006 CG 00 0112 07 O
3. "Bodily injury" means bodily injury, sickness or
disease sustained by a person, including death re-
sulting from any of these at any time.
4. "Coverage territory" means:
a. The United States of America (including its
territories and possessions), Puerto Rico and
Canada;
b. International waters or airspace, but only if the
injury or damage occurs in the course of travel
or transportation between any places included
in Paragraph a. above; or
c. All other parts of the world if the injury or dam-
age arises out of:
(1) Goods or products made or sold by you in
the territory described in Paragraph a.
above;
(2) The activities of a person whose home is in
the territory described in Paragraph a,
above, but is away for a short time on your
business; or
(3) "Personal and advertising injury" offenses
that take place through the Internet or simi-
lar electronic means of communication
provided the insured's responsibility to pay dam-
ages is determined in a "suit" on the merits, in the
territory described in Paragraph a. above or in a
settlement we agree to.
5. "Employee" includes a "leased worker ". "Em-
ployee" does not include a "temporary worker ".
6, "Executive office" means a person holding any of
the officer positions created by your charter, con-
stitution, by -laws or any other similar governing
document.
7. "Hostile fire" means one which becomes uncon-
trollable or breaks out from where it was intended
to be.
8. "Impaired property" means tangible property, other
than "your product" or "your work ", that cannot be
used or is less useful because:
a. It incorporates "your product" or "your work"
that is known or thought to be defective, defi-
cient, inadequate or dangerous; or
b. You have failed to fulfill the terms of a contract
or agreement;
if such property can be restored to use by the re-
pair, replacement, adjustment or removal of "your
product" or "your work" or your fulfilling the terms
of the contract or agreement.
9. "Insured contract" means:
a. A contract for a lease of premises. However,
that portion of the contract for a lease of prem-
ises that indemnifies any person or organiza-
tion for damage by fire to premises while
rented to you or temporally occupied by you
with permission of the owner is not an "insured
contract ";
b. A sidetrack agreement;
c. Any easement or license agreement, except in
connection with construction or demolition op-
erations on or within 50 feet of a railroad;
d, An obligation, as required by ordinance, to
indemnity a municipality, except in connection
with work for a municipality;
e. An elevator maintenance agreement;
f. That part of any other contract or agreement
pertaining to your business (including an in-
demnification 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" or "property dam-
age" to a third person or organization. Tort li-
ability means a liability that would be imposed
by law in the absence of any contract or
agreement.
Paragraph f. does not include that part of any
contract or agreement:
(1) That indemnifies a railroad for "bodily injury"
or "property damage" arising out of con-
struction or demolition operations, within 50
feet of any railroad property and affecting
any railroad bridge or trestle, tracks, road-
beds, tunnel, underpass or crossing;
(2) That indemnifies an architect, engineer or
surveyor for injury or damage arising out of:
(a) Preparing, approving, or failing to pre-
pare or approve, maps, shop drawings,
opinions, reports, surveys, field orders,
change orders or drawings and specifi-
cations; or
(b) Giving directions or instructions, or
failing to give them, if that is the primary
cause of the injury or damage; or
(3) Under which the insured, if an architect,
engineer or surveyor, assumes liability for
an injury or damage arising out of the in-
sured's rendering or failure to render pro-
fessional services, including those listed in
(2) above and supervisory, inspection, ar-
chitectural or engineering activities.
CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 13 of 16 0
10. "Leased worker" means a person leased to you by
a labor leasing firm under an agreement between
you and the labor leasing firm, to perform duties
related to the conduct of your business. "Leased
worker" does not include a "temporary worker ".
11. "Loading or unloading" means the handling of
property:
a. After it is moved from the place where it is
accepted for movement into or onto an aircraft,
watercraft or "auto";
b. While it is in or on an aircraft, watercraft or
"auto "; or
c. While it is being moved from an aircraft, water-
craft or "auto" to the place where it is finally de-
livered;
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 at-
tached to the aircraft, watercraft or "auto ".
12. "Mobile equipment" means any of the following
types of land vehicles, including any attached ma-
chinery or equipment:
a. Bulldozers, farm machinery, forklifts and other
vehicles designed for use principally off public
roads;
b, Vehicles maintained for use solely on or next to
premises you own or rent;
c. Vehicles that travel on crawler treads;
d. Vehicles, whether self - propelled or not, main-
tained primarily to provide mobility to perma-
nently mounted:
(1) Power cranes, shovels, loaders, diggers or
drills; or
(2) Road construction or resurfacing equipment
such as graders, scrapers or rollers;
e. Vehicles not described in Paragraph a., b., c,
or d, above that are not self - propelled and are
maintained primarily to provide mobility to per-
manently attached equipment of the following
types:
(1) Air compressors, pumps and generators,
including spraying, welding, building clean-
ing, geophysical exploration, lighting and
well servicing equipment; or
(2) Cherry pickers and similar devices used to
raise or lower workers;
f. Vehicles not described in Paragraph a., b., c,
or d. above maintained primarily for purposes
other than the transportation of persons or
cargo.
However, self - propelled vehicles with the fol-
lowing types of permanently attached equip-
ment are not "mobile equipment" but will be
considered "autos ":
(1) Equipment designed primarily fur:
(a) Snow removal;
(b) Road maintenance, but not construction
or resurfacing; or
(c) Street cleaning;
(2) Cherry pickers and similar devices mounted
on automobile or truck chassis and used to
raise or lower workers; and
(3) Air compressors, pumps and generators,
including spraying, welding, building clean-
ing, geophysical exploration, lighting and
well servicing equipment.
However, "mobile equipment" does not include
any land vehicles that are subject to a compulsory
or financial responsibility law or other motor vehi-
cle insurance law in the state where it is licensed
or principally garaged. Land vehicles subject to a
compulsory or financial responsibility law or other
motor vehicle insurance law are considered
"autos ".
13. "Occurrence" means an accident, including con-
tinuous or repeated exposure to substantially the
same general harmful conditions.
14. "Personal and advertising injury" means injury,
including consequential "bodily injury", arising out
of one or more of the following offenses:
a. False arrest, detention or imprisonment;
b. Malicious prosecution;
c. The wrongful eviction from, wrongful entry into,
or invasion of the right of private occupancy of
a room, dwelling or premises that a person oc-
cupies, committed by or on behalf of its owner,
landlord or lessor;
d. Oral or written publication, in any manner, of
material that slanders or libels a person or or-
ganization or disparages a person's or organi-
zation's goods, products or services;
e. Oral or written publication, in any manner, of
material that violates a person's right of pri-
vacy;
f. The use of another's advertising idea in your
"advertisement "; or
g. Infringing upon another's copyright, trade dress
or slogan in your "advertisement ".
Page 14 of 16 © ISO Properties, Inc., 2006 CG 00 01112 07 D
IS. "Pull utants" mean any solid, liquid, gaseous or
thermal irritant or contaminant, including smoke,
vapor, soot, fumes, acids, alkalis, chemicals and
waste. Waste includes materials to be recycled,
reconditioned or reclaimed.
16.'P rod ucts- completed operations hazard ":
a. Includes all "bodily injury" and "property dam-
age" 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 pos-
session: or
(2) Work that has not yet been completed or
abandoned. However, "your work" will be
deemed completed at the earliest of the fol-
lowing times:
(a) When all of the work called for in your
contract has been completed.
(b) When all of the work to be done at the
job site has been completed if your con-
tract calls for work at more than one job
site.
(c) When that part of the work done at a job
site has been put to its intended use by
any person or organization other than
another contractor or subcontractor
working on the same project.
Work that may need service, maintenance,
correction, repair or replacement, but which
is otherwise complete, will be treated as
completed.
b. Does not include "bodily injury" or "property
damage" arising out of:
(1) The transportation of property, unless the
injury or damage arises out of a condition in
or on a vehicle not owned or operated by
you, and that condition was created by the
"loading or unloading" of that vehicle by any
insured;
(2) The existence of tools, uninstalled equip-
ment or abandoned or unused materials; or
(3) Products or operations for which the classi-
fication, listed in the Declarations or in a
policy schedule, states that products -
completed operations are subject to the
General Aggregate Limit.
17. "Property damage' means:
a. Physical injury to tangible property, including
all resulting loss of use of that property. All
such loss of use shall be deemed to occur at
the time of the physical injury that caused il; or
b. Loss of use of tangible property that is not
physically injured. All such loss of use shall be
deemed to occur at the time of the "occur-
rence" that caused it.
For the purposes of this insurance, electronic data
is not tangible property.
As used in this definition, electronic data means
information, facts or programs stored as or un,
created or used on, or transmitted to or from com-
puter software, including systems and applications
software, hard or floppy disks, CD -ROMS, tapes,
drives, cells, data processing devices or any other
media which are used with electronically controlled
equipment.
18. "Suit" means a civil proceeding in which damages
because of "bodily injury", "property damage" or
"personal and advertising injury" to which this in-
surance applies are alleged. "Suit" includes:
a. An arbitration proceeding in which such dam-
ages are claimed and to which the insured
must submit or does submit with our consent;
or
b. Any other alternative dispute resolution pro-
ceeding in which such damages are claimed
and to which the insured submits with our con-
sent.
19, "Temporary worker" means a person who is fur-
nished to you to substitute for a permanent "em-
ployee" on leave or to meet seasonal or short -term
workload conditions.
20. "Volunteer worker" means a person who is not
your "employee ", and who donates his or her work
and acts at the direction of and within the scope of
duties determined by you, and is not paid a fee,
salary or other compensation by you or anyone
else for their work performed for you.
21. "Your product ":
a. Means:
(1) Any goods or products, other than real
property, manufactured, sold, handled, dis-
tributed or disposed of by:
(a) You;
(b) Others trading under your name; or
(c) A person or organization whose busi-
ness or assets you have acquired; and
(2) Containers (other than vehicles), materials,
parts or equipment furnished in connection
with such goods or products.
b. Includes:
(1) Warranties or representations made at any
time with respect to the fitness, quality, du-
rability, performance or use of "your prod-
uct'; and
CG 00 01 12 07 © ISO Properties, Inc., 2005 Page 15 of 16 M
(2) The providing of or failure to provide warn-
ings or in tructions.
c. Does not include v "nding machines or other
property rented to or located for the use of oth-
ers but not sold.
22. "Your ^f,irk ":
a. Means:
(1) Work k or operations performed by you or on
your behalf; and
(2) Materials, parts or equipment furnished in
connection with such work or operations.
b. Includes:
(1) Warranties or representations made at any
i.rrno With i qwi iit , d1j...
rability, performance or use of "your work ",
and
(2) The providing of or failure to provide warn-
ings or instructions.
Page 16 of 16 0 ISO Properties, Inc., 2006 CG 00 0112 07 17