PROOF OF INSURANCE (2017) CLOSED A�® CERTIFICATE OF LIABILITY INSURANCE I DAr2/8/ 2017Y )
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed.
If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on
this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).
PRODUCER ABD Insurance & Financial Services I CONTACT
NAME: Cert Request
3 Waters Park Drive, Suite 100 PHONE FAX
San Mateo, CA 94403 I(A/C,No.Ext): 650-488-8565 (A/C,No):
ADDRESS: CertRequest @theabdteam.com
INSURER(S)AFFORDING COVERAGE NAIC#
www.theabdteam.com INSURER A: Travelers Property Casualty
INSURED INSURER B:
Hightail Inc. IINSURERC: Travelers Prop/CasltyAmerica 25674
Yousendit, Inc.
1919 S. Basom Avenue, Suite 650 I INSURER D: Beazley Insurance Company, Inc. 37540
Campbell, CA 95008 I INSURER E:
INSURER F:
COVERAGES CERTIFICATE NUMBER: 34155941 REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS
LTR INSD WVD POLICY NUMBER (MWDD/YYYY) (MM/DD/YYYY)
A f COMMERCIAL GENERAL LIABILITY 6307H599337 12/1/2016 12/1/2017 EACH OCCURRENCE $ 1,000,000
DAMAGE RENTE
CLAIMS-MADE 1141 OCCUR PREM SESO(Ea occur ence) $ 1,000,000
MED EXP(Any one person) $ 10,000
PERSONAL&ADV INJURY $ 1,000,000
GEN'L AGGREGATE LIMIT APPLIES PER: GENERALAGGREGATE $ 2,000,000
POLICY❑ PRO ❑ LOC
JECT PRODUCTS-COMP/OPAGG $ 2,000,000
OTHER: $
AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $
(Ea accident)
ANY AUTO BODILY INJURY(Per person) $
OWNED SCHEDULED BODILY INJURY(Per accident) $
AUTOS ONLY AUTOS
HIRED NON-OWNED PROPERTY DAMAGE $
AUTOS ONLY AUTOS ONLY (Per accident)
UMBRELLA LAB OCCUR EACH OCCURRENCE $
EXCESS LAB HCLAIMS-MADE AGGREGATE $
DED I I RETENTION$ $
O WORKERS COMPENSATION UB8H70451A 12/1/2016 12/1/2017 ,/ STATUTE OERH
AND EMPLOYERS'LIABILITY
ANYPROPRIETOR/PARTNER/EXECUTIVE Y/N E.L.EACH ACCIDENT $ 1,000,000
OFFICE R/M EMBER EXCLUDED? ❑ N/A
(Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ 1,000,000
If yes,describe under
DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ 1,000,000
D Errors&Omissions W1 23D5160601 12/1/2016 12/1/2017 Limit:$5,000,000
Deductible:$50,000
DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required)
Re:All operations of the Named Insured.
City of El Segundo, its officials and employees are additional insureds to General Liability per attached form#VCG 205 07 09.
CERTIFICATE HOLDER CANCELLATION
Clty of El Se undo SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
350 Main Stg THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
ACCORDANCE WITH THE POLICY PROVISIONS.
El Segundo, CA 90245-3895
AUTHORIZED REPRESENTATIVE
Rod Sockolov
@ 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD
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6307H599337 Hightail Inc.
2/8/2017
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
@VANTAGE FOR GENERAL LIABILITY
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
The following schedule lists the coverage extensions provided by this endorsement. Refer to the individual provi-
sions to determine the extent of your coverage.
SCHEDULE OF COVERAGE EXTENSIONS
1. Additional Insured — Broad Form Vendors 10. Coverage Territory—Worldwide
2. Additional Insured — by Contract, Agreement or 11. Duties in Event of Occurrence, Claim or Suit
Permit relating to: 12. Expected or Intended Injury(PD)
• Work performed by you 13. Incidental Medical Malpractice
• Premises you own, rent, lease or occupy 14. Medical Payments
• Equipment you lease 15. Mobile Equipment Redefined
3. Aggregate Limit Per Location 16. Newly Formed or Acquired Organizations
4. Alienated Premises 17. Non-Owned Aircraft
5. Blanket Waiver of Subrogation 18. Non-Owned Watercraft
6. Bodily Injury Redefined- Mental Anguish 19. Personal and Advertising Injury— Non
7. Broadened Named Insured Employment Related Discrimination
8. Broadened Property Damage 20. Personal Injury—Limited Contractual Liability
• Borrowed Equipment Coverage
• Customers' Goods 21. Product Recall Expense
• Use of Elevators
22. Supplementary Payments Increased Limits
9. Broadened Property Damage Rented Premises
1. ADDITIONAL INSURED— BROAD FORM VENDORS
Section II —Who Is An Insured is amended to include as an additional insured any person(s)or organizations)
(referred to below as vendor)with whom you agreed in a written contract or agreement to provide insurance, 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. This provision 1.does not 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 a 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 not authorized by you;
(3) Any physical or chemical change in the product made intentionally by the vendor;
(4) Repackaging, except when 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 con-
tainer;
(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 ven-
dor's premises in connection with the sale of the product;
(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; or
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(8) "Bodily injury" or "property damage" arising out of the sole negligence of the vendor for its own acts or
omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not
apply to:
(a) The exceptions contained in Subparagraphs 4. or 6.;or
(b) Such inspections, adjustments,tests or servicing as the vendor has agreed to make or normally un-
dertakes to make in the usual course of business, in connection with the distribution or sale of the
products.
(9) Any vendor, person or organization if the "products-completed operations hazard" is excluded either by
the provisions of the Coverage Form or by endorsement.
b. This insurance does not apply to any insured person or organization, from whom you have acquired such
products, or any ingredient, part or container, entering into, accompanying or containing such products.
2. ADDITIONAL INSURED—CONTRACT, AGREEMENT OR PERMIT
a. Section II — Who Is An Insured is amended to include as an additional insured any person(s)or organiza-
tion(s)with whom you agreed in a written contract, written agreement or permit to provide insurance such as
is afforded under this Coverage Part, but only with respect to liability for"bodily injury', "property damage"or
"personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omis-
sions of those acting on your behalf-
1. In the performance of"your work"for the additional insured(s) at the location designated in the contract,
agreement or permit; or
2. In the maintenance, operation or use of equipment leased to you by such person(s)or organization(s), or
3. In connection with premises you own, rent, lease or occupy.
This insurance applies on a primary or primary and non-contributory basis if that is required in writing by the
contract, agreement or permit.
b. The insurance provided to the additional insured herein is limited. This insurance does not apply:
1. Un less
(a) the written contract, agreement or permit is currently in effect or becomes effective during the term of
this policy; and
(b) the contract or agreement was executed or permit issued prior to the "bodily injury", "property dam-
age", or"personal and advertising injury';
2. To any person or organization included as an insured under the Additional Insured — Broad Form Ven-
dors provision of this endorsement;
3. To any person or organization included as an insured by an endorsement issued by us and made part of
this Coverage Part;
4. To any person or organization if the "bodily injury", "property damage", or"personal and advertising in-
jury" arises out of the rendering of or failure to render any professional architectural, engineering or sur-
veying services by or for you including:
(a) The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports,
surveys, field orders, change orders or drawings and specifications; or
(b) Supervisory, inspection, architectural or engineering activities.
5. To any:
(a) Lessor of equipment after the equipment lease terminates or expires; or
(b) Owners or other interests from whom land has been leased; or
(c) Managers or lessors of premises if
(1) The "occurrence"takes place after you cease to be a tenant in that premises; or
(2) The 'bodily injury", "property damage", "personal and advertising injury" arises out of structural
alterations, new construction or demolition operations performed by or on behalf of the manager
or lessor.
6. To"bodily injury, or"property damage"occurring after:
(a) All work on the project(other than service, maintenance or repairs)to be performed by or on behalf of
the additional insured at the site of the covered operations has been completed; or
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(b) 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 perform-
ing operations for a principal as part of the same project.
c. Limits of Insurance applicable to the additional insured are those specified in the contract, agreement or
permit or in the Declarations of this policy, whichever is less, and fix the most we will pay regardless of the
number of:
1. Insureds;
2. Claims made or"suits"brought; or
3. Persons or organizations making claims or bringing "suits".
These Limits of Insurance are inclusive of and not in addition to the Limits of Insurance shown in the
Declarations.
3. AGGREGATE LIMIT PER LOCATION
a. Under Section III — Limits of Insurance, the General Aggregate Limit applies separately to each of your
"locations"owned by or rented or leased to you.
b. Under Section V— Definitions,the following definition is added:
"Location" means premises involving the same or connecting lots, or premises whose connection is in-
terrupted only by a street, roadway,waterway or right-of-way of a railroad.
4. ALIENATED PREMISES
Paragraph j. (2) of 2. Exclusions of COVERAGE A— BODILY INJURY AND PROPERTY DAMAGE LIABIL-
ITY is deleted and replaced with the following:
(2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those prem-
ises and occurs from hazards that were known to you or should have been known to you, at the time the
property was transferred or abandoned.
5. BLANKET WAIVER OF SUBROGATION
Section IV—Transfer of Rights of Recovery Against Others to Us Condition is amended to add the following:
We will 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 your ongoing operations done under a written contract or agreement with
that person or organization and included in 'your work" or the "products-completed operations hazard". This
waiver applies only to persons or organizations with whom you have a written contract, executed prior to the 'bod-
ily injury"or"property damage", that requires you to waive your rights of recovery.
6. BODILY INJURY REDEFINED—MENTAL ANGUISH
Under Section V—Definitions, the definition of'bodily injury"is replaced by the following:
"Bodily injury" means bodily injury, sickness, or disease sustained by a person, including mental anguish
or death resulting from any of these at any time.
7. BROADENED NAMED INSURED
Section II —Who Is An Insured is amended to include as an insured the following:
Any organization which is a legally incorporated entity in which you own a financial interest of more than 50
percent of the voting stock on the effective date of this endorsement will be a Named Insured until the 180`h
day or the end of the policy period, whichever comes first, provided there is no other similar insurance avail-
able to that organization.
The insurance afforded herein does not apply to any entity which is also an insured under another policy or
would be an insured under such policy but for its termination or the exhaustion of its limits of insurance.
8. BROADENED PROPERTY DAMAGE — BORROWED EQUIPMENT, CUSTOMERS' GOODS AND USE OF
ELEVATORS
The insurance for"property damage"liability is subject to the following:
a. The Damage To Property exclusion under Section I Coverage A is amended as follows:
1. The exclusion for personal property in the care, custody or control of the insured does not apply to
"property damage" to equipment you borrow while at a job site and provided it is not being used by
anyone to perform operations at the time of loss.
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2. The exclusions for
(a) Property loaned to you;
(b) Personal property in the care, custody or control of the insured; and
(c) That particular part of any property that must be restored, repaired or replaced because "your work"
was incorrectly performed on it
do not apply to "property damage"to "customers'goods"while on your premises nor do they apply to
"property damage"arising from the use of elevators at premises you own, rent, lease or occupy.
Subject to the Each Occurrence Limit, the most we will pay for "property damage" to "Customers'
Goods"is $35,000 per"occurrence".
b. Under Section V— Definitions,the following definition is added:
"Customers' Goods" means goods of your customer on your premises for the purpose of being:
1. Repaired; or
2. Used in your manufacturing process.
c. The insurance afforded by this provision is excess over any other valid and collectible property insurance
(including any deductible) available to the insured whether such insurance is primary, excess, contingent
or on any other basis. Any payments by us will follow the Other Insurance — Excess provisions in the
COMMERCIAL GENERAL LIABILITY CONDITIONS.
9. BROADENED PROPERTY DAMAGE—RENTED PREMISES
a. In the Damage To Property exclusion under Section I Coverage A, the exclusion for"property damage"to:
Property you own, rent or occupy;
does not apply to real property you rent or temporarily occupy with permission of the owner.
b. In Section III —Limits Of Insurance, the Damage To Premises Rented To You Limit is amended as follows:
Subject to the Each Occurrence Limit, $500,000 is the most we will pay under Coverage A for damages be-
cause of"property damage"to any one premises while rented to you or occupied by you with permission of
the owner. If any amount other than $500,000 is shown in the Declarations as the Damage To Premises
Rented To You Limit, the amount shown in the Declarations will replace $500,000 as the Limit of Insurance
provided for this coverage.
c. The insurance afforded by this Provision 9. is excess over any other valid and collectible property insurance
(including any deductible) available to the insured whether such insurance is primary, excess, contingent or
on any other basis.Any payments by us will follow the Other Insurance—Excess Insurance provisions in the
COMMERCIAL GENERAL LIABILITY CONDITIONS.
10. COVERAGE TERRITORY—WORLDWIDE
The definition of"coverage territory"is replaced by the following:
"Coverage territory" means anywhere provided the insured's responsibility to pay damages must be de-
termined in a settlement we agree to or in a "suit"on the merits brought within the United States ofAmer-
ica (including its territories and possessions), Puerto Rico or Canada.
11. DUTIES IN THE EVENT OF OCCURRENCE, OFFENSE, CLAIM OR SUIT
Section IV— Duties In The Event Of Occurrence, Claim or Suit is amended by adding the following para-
graphs:
a. The requirements that you must
1. notify us of an "occurrence"offense, claim or"suit"and
2. send us documents concerning a claim or"suit"
apply only when such"accident"claim, "suit"or"loss"is known to:
1. You, if you are an individual;
2. A partner, if you are a partnership;
3. An executive officer of the corporation or insurance manager, if you are a corporation; or
4. A manager, if you are a limited liability company.
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b. The requirement that you must notify us as soon as practicable of an "occurrence"or an offense that may
result in a claim does not apply if you report an "occurrence"to your workers compensation insurer which
later develops into a liability claim for which coverage is provided by this policy. However, as soon as you
have definite knowledge that the particular"occurrence" is a liability claim rather than a workers compen-
sation claim, you must comply with the Duties In The Event Of Occurrence, Offense, Claim Or Suit
Condition.
12. EXPECTED OR INTENDED INJURY (PROPERTY DAMAGE)
The Expected Or Intended Injury exclusion under Coverage A Bodily Injury and Property Damage is re-
placed by:
"Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclu-
sion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to
protect persons or property.
13. INCIDENTAL MEDICAL MALPRACTICE—EMPLOYED PHYSICIANS, NURSES, EMT'SAND PARAMEDICS
a. Under Section II—Who Is An Insured, the paragraph that excludes an employee or volunteer worker as in-
sured for"bodily injury"or"personal and advertising injury"arising out of his or her providing or failing to pro-
vide professional health care services does not apply to a physician, dentist, nurse, emergency medical tech-
nician or paramedic employed by you if you are not engaged in the business or occupation of providing medi-
cal, paramedical, surgical, dental, x-ray or nursing services.
b. The insurance afforded by this provision is excess over any other valid and collectible insurance whether
such insurance is primary, excess, contingent or on any other basis.Any payments by us will follow the Other
Insurance—Excess Insurance provisions in the COMMERCIAL GENERAL LIABILITY CONDITIONS.
14. MEDICAL PAYMENTS —INCREASED LIMITS AND TIME PERIOD
In the Insuring Agreement under Coverage C Medical Payments, the requirement that expenses are incurred
and reported to us within one year of the date of the accident is changed to three years.
a. The Medical Expense Limit is $15,000 per person or the amount shown in the Declarations as the Medical
Expense Limit, whichever is greater.
b. This provision 14. does not apply if Coverage C—Medical Payments is otherwise excluded either by the pro-
visions of the Coverage Form or by endorsement.
15. MOBILE EQUIPMENT — SELF-PROPELLED SNOW REMOVAL, ROAD MAINTENANCE AND STREET
CLEANING EQUIPMENT
The following is added to the"mobile equipment"definition:
Vehicles maintained primarily for purposes other than the transportation of persons or cargo that are self-
propelled vehicles of less than 1,000 pounds gross vehicle weight with the following types of permanently at-
tached equipment will be considered "mobile equipment":
a. Snow removal;
b. Road maintenance, but not construction or resurfacing; or
c. Street cleaning.
16. NEWLY FORMED OR ACQUIRED ORGANIZATIONS
Under Section II —Who Is An Insured, the time period limitation for newly acquired or formed organizations is
replaced by:
Coverage under this provision is afforded only until the end of the current policy period.
17. NON-OWNED AIRCRAFT
a. The Aircraft, Auto Or Watercraft exclusion under Coverage A Bodily Injury And Property Damage Liabil-
ity does not apply to an aircraft that is:
1. Hired, chartered or loaned with a paid crew; and
2. Not owned by any insured.
b. The insurance afforded by this provision 17. is excess over any other valid and collectible insurance (includ-
ing any deductible or Self Insured Retention) available to the insured,whether such insurance is primary, ex-
cess, contingent or on any other basis. Any payments by us will follow the Other Insurance—Excess Insur-
ance provisions in the COMMERCIAL GENERAL LIABILITY CONDITIONS.
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18. NON-OWNED WATERCRAFT
a. Section II —Who Is An Insured is amended to include as an insured for any watercraft that is covered by
this policy, any person who, with your expressed or implied consent, either uses or is responsible for the use
of a watercraft. However, no person or organization is an insured with respect to:
1. 'Bodily injury"to a co-"employee"of the person operating the watercraft; or
2. "Property damage"to property owned by, rented to, in the charge of or occupied by you or the employer
of any person who is an insured under this provision.
b. In the exception to the Aircraft, Auto Or Watercraft exclusion under Coverage A Bodily Injury And Prop-
erty Damage Liability, the limitation on the length of a watercraft is increased to 55 feet.
c. The insurance afforded by this provision 18. is excess over any other valid and collectible insurance (includ-
ing any deductible or Self Insured Retention) available to the insured,whether such insurance is primary, ex-
cess, contingent or on any other basis. Any payments by us will follow the Other Insurance —Excess Insur-
ance provisions in the COMMERCIAL GENERAL LIABILITY CONDITIONS.
19. PERSONAL AND ADVERTISING INJURY— NON-EMPLOYMENT RELATED DISCRIMINATION
The following is added to the definition of"personal and advertising injury":
Discrimination because of race, color, creed, national origin, age, sex or physical disability, where insurance
therefore is not prohibited by law, but only if such discrimination is:
a. not done intentionally by or at the direction of:
(1) the insured; or
(2) any executive officer, director, stockholder, partner or member of the insured staff; and
b. not directly or indirectly related to the employment, prospective employment or termination of employment
of any person or persons by any insured.
The insurance afforded under this provision does not apply to fines or penalties, or that portion of any award or
judgment resulting from the multiplication of actual damages under state or federal law.
This provision does not apply if Coverage B — Personal and Advertising Injury Liability is otherwise ex-
cluded either by the provisions of this Coverage Form or by any endorsement.
20. PERSONAL INJURY—LIMITED CONTRACTUAL LIABILITY COVERAGE
a. The Contractual Liability exclusion of paragraph 2. Exclusions of Section I — Coverage B— Personal
And Advertising Injury Liability is replaced by the following:
2. Exclusions
This insurance does not apply to:
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:
(1) Liability for damages that the insured would have in the absence of the contract or agreement;
or
(2) Liability for"personal and advertising injury"if:
(a) The liability pertains to your business and is required by a signed contract or agreement in
which you assume the tort liability of another. Tort liability means a liability that would be
imposed by law in the absence of any contract or agreement;
(b) The "personal and advertising injury" occurs subsequent to the execution of the desig-
nated contract or agreement; and
(c) The "personal and advertising injury" arises out of the offenses of false arrest, detention
or imprisonment.
21. PRODUCT RECALL EXPENSE
a. With respect to this Provision 21., the Recall Of Products, Work Or Impaired Property exclusion un-
der Coverage A Bodily Injury And Property Damage Liability is deleted.
b. The following is added to Section III — Limits Of Insurance section:
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1. The Limits of Insurance shown in the Product Recall Schedule and rules below fix the most we will
pay regardless of the number of
(a) Insureds;
(b) "Covered recalls"initiated; or
(c) Number of"your products"recalled.
2. The Product Recall Aggregate Limit is the most we will reimburse you for the sum of all"product recall
expenses"incurred for all"covered recalls"initiated during the policy period.
3. Subject to 2. above, the Each Product Recall Limit is the most we will reimburse you for the sum of all
"product recall expenses"arising out of any one "covered recall"for the same defect or deficiency.
4. Subject to 3. above, we will pay only the amount of"product recall expenses"in excess of the deductible
amount shown in the Product Recall Schedule.
Products Recall Schedule
Limits of Insurance
Product Recall Aggregate Limit $ 50,000
Each Product Recall Limit $ 25,000
Each Product Recall Deductible $1,000
If any limits and deductible other than those above are shown in
the Declarations as the Products Recall Expense Limits, the
amounts shown in the Declarations will replace the Limits of In-
surance and deductible provided for this coverage.
The Limits of Insurance for this coverage 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 Dec-
larations, 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 the pur-
poses of determining the Limits of Insurance.
c. The following is added to the Duties In The Event Of Occurrence, Offense, Claim Or Suit provision
under Section IV—Conditions:
You must see to it that the following are done in the event of an actual or anticipated "covered recall"that
may result in "product recall expense":
1. Give us prompt notice of any discovery or notification that "your product" must be withdrawn or re-
called. Include a description of"your product"and the reason for the withdrawal or recall;
2. Cease any further release, shipment, consignment or any other method of distribution of like or
similar products until it has been determined that all such products are free from defects that could be
a cause of loss under this insurance;
3. As often as may be reasonably required, permit us to inspect"your product"that demonstrates the need
for the "covered recall" and permit us to examine your books and records. Also permit us to take
damaged and undamaged samples of "your products" for inspection, testing and analysis; and
permit us to make copies from your books and records;
4. Send us a signed, sworn, proof of loss containing the information we requested to settle the claim.
You must do this within 60 days after our request. We will supply you with the necessary forms; and
5. Permit us to examine any insured under oath, while not in the presence of any other insured and at
such times as may reasonably be required, about any matter relating to this insurance or your claim, in-
cluding an insured's books and records. In the event of an examination, an insured's answers must be
signed.
d. The following definitions are added to the Definitions Section:
1. "Covered recall" means a recall made necessary because the insured or a government body has
determined that a known or suspected defect, deficiency, inadequacy or dangerous condition in "your
product"has resulted in or will result in "bodily injury"or"property damage".
2. "Product Recall Expense"means:
(a) The following necessary and reasonable expenses you incur exclusively for the purpose of recall-
ing "your product":
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(1) For communications, including radio or television announcements or printed advertisements in-
cluding stationery, envelopes and postage;
(2) For shipping the recalled products from any purchaser, distributor or user to the place or
places designated by you;
(3) For remuneration paid to your regular"employees"for necessary overtime;
(4) For hiring additional persons, other than your regular"employees';
(5) Incurred by"employees", including transportation and accommodations;
(6) To rent additional warehouse or storage space; or
(7) For disposal of "your products", but only to the extent that specific methods of destruction
other than those employed for trash discarding or disposal are required to avoid "bodily
injury"or"property damage"as a result of such disposal, but
"product recall expenses"does not include costs of regaining your market share, goodwill, revenue
or profit.
(b) "Product Recall Expense"does not include any expenses resulting from:
(1) Failure of any product to accomplish its intended purpose;
(2) Breach of warranties of fitness, quality, durability or performance;
(3) Loss of customer approval,or any cost incurred to regain customer approval;
(4) Redistribution or replacement of"your product"which has been recalled by like products or sub-
stitutes;
(5) Caprice or whim of the insured;
(6) A condition likely to cause loss of which any insured knew or had reason to know at the inception
of this insurance; and
(7) Recall of "your products" that have no known or suspected defect solely because a known or
suspected defect in another of'your products"has been found
22. SUPPLEMENTARY PAYMENTS—INCREASED LIMITS
Under Section I —Coverages, Supplementary Payments—Coverages A and B, paragraphs 1.b. and 1.d. are
replaced by the following:
b. Up to$2,500 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 de-
fense of the claim or"suit", including actual loss of earnings up to $500 a day because of time off from
work.
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