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Home My WebLink AboutCOI_MANHOLE ADJUSTING INC_2024-04-26ANY PROPRIETOR/PARTNER/EXECUTIVEOFFICER/MEMBER EXCLUDED? INSR ADDL SUBRLTRINSDWVD PRODUCER CONTACTNAME: FAXPHONE(A/C, No):(A/C, No, Ext): E-MAILADDRESS: INSURER A : INSURED INSURER B : INSURER C : INSURER D : INSURER E : INSURER F : POLICY NUMBER POLICY EFF POLICY EXPTYPE OF INSURANCE LIMITS(MM/DD/YYYY)(MM/DD/YYYY) AUTOMOBILE LIABILITY UMBRELLA LIAB EXCESS LIAB WORKERS COMPENSATIONAND EMPLOYERS' LIABILITY DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) AUTHORIZED REPRESENTATIVE EACH OCCURRENCE $ DAMAGE TO RENTEDCLAIMS-MADE OCCUR $PREMISES (Ea occurrence) MED EXP (Any one person)$ PERSONAL & ADV INJURY $ GEN'L AGGREGATE LIMIT APPLIES PER:GENERAL AGGREGATE $ PRO-POLICY LOC PRODUCTS - COMP/OP AGGJECT OTHER:$ 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) $ OCCUR EACH OCCURRENCE CLAIMS-MADE AGGREGATE $ DED RETENTION $ PER OTH-STATUTE ER E.L. EACH ACCIDENT E.L. DISEASE - EA EMPLOYEE $ If yes, describe under E.L. DISEASE - POLICY LIMITDESCRIPTION OF OPERATIONS below INSURER(S) AFFORDING COVERAGE NAIC # COMMERCIAL GENERAL LIABILITY Y / N N / A (Mandatory in NH) SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 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. 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). COVERAGES CERTIFICATE NUMBER:REVISION NUMBER: CERTIFICATE HOLDER CANCELLATION © 1988-2015 ACORD CORPORATION. All rights reserved.ACORD 25 (2016/03) CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) $ $ $ $ $ The ACORD name and logo are registered marks of ACORD 4/26/2024 (661) 412-9099 25682 Manhole Adjusting Inc. 9500 Beverly Road Pico Rivera, CA 90660-2135 25674 16691 A 1,000,000 X X CO-4E966229-TCT-24 4/30/2024 4/30/2025 300,000 Owner’s & Contractor 5,000 1,000,000 2,000,000 2,000,000 X POLLUTION 1,000,000 1,000,000B X X 810-9M363504-24-26-G 4/30/2024 4/30/2025 Auto w/Comp & Coll $1000 Deductible 5,000,000C TUU 0736636 10 4/30/2024 4/30/2025 5,000,000 10,000 B X UB-3K453427-24-26-G 4/30/2024 4/30/2025 1,000,000 1,000,000 1,000,000 County of San Bernardino, Request for Qualifications PWG 120-OPERA-3797 for Road Materials, Hierarchy Contract Number 4400003262 San Bernardino County and its officers, employees, agents and volunteers/County Flood Control District are listed as additional insureds for each of the above policies (except Work Comp) as required per signed written contract, subject to policy terms and conditions. Waiver of subrogation applies in favor of San Bernardino County and its officers, employees, agents and volunteers as required per written contract. Coverage is primary and non-contributory County of San Bernardino Department of Public Works Attn: Cristina Ruvalcaba 825 East Third Street, Room 207 San Bernardino, CA 92415-0835 MANHADJ-01 DVANCE Busby-Stone Insurance Services, LLC 9201 Camino MediaSuite 250 Bakersfield, CA 93311 Dawn Vance dvance@acrisure.com The Travelers Indemnity Company of Connecticut Travelers Property Casualty Company of America Great American Insurance Company X X X X X X X X X X X X X X COMMERCIAL GENERAL LIABILITY COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured sho11V11 in the Declarations and any other person or organization qualifying as a N�med Insured under this policy. The words "we", "us" and "our'' refer to the carpany prCNiding this insurance. The word "insured" means any person or organization qualifying as such under Section II -Who Is An Insured. Other wads and phrases that appear in quctation marks have special meaning. Refer to Section V - Definitions. SECTION I-COVERAGES COVERAGE A-BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1.Insuring Agreement a.We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury" or "property damage"to which this insurance applies. We will have the right and duty to defend the insure:! against any "suit'' seeking those damages. HCMteVer, we will have no duty to defend the insured against any "suit'' seeking damages for "bodily injury'' or "prq:>erty damage" to which this insurance does nct apply. We may, at our discretion, investigate any "occurrence' and settle any claim or "suit'' that may result. But: (1)The amount we will pay for damages is limite::I as described in Section Ill -Units Of Insurance; and (2)Our right and duty to defend end when wehave used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or me::lical expenses under CoverageC. No other obligation or liability to pay sum; or perform acts or services is covered unless explicitly prCNided for undar Supplerrantary Payments. b.This insurance applies to "bodily injury" and "property damage" only if: (1)The "bodily injury" or "property damage" is caused by an "occurrence!' that takes place in the "coverage territory"; {2) The "bodily injury" or "property damage" occurs during the policy period; and (3)Prior to the policy period, no insure:! listed under Paragraph 1. of Section II -Who Is An Insure:! and no "employee" authorized by yOU to give or receive notice of an "occurrence' or claim knew that the "bodily injury'' or "property damage'' ha:f occurred,in whde or in part If such a listed insured or authorized "errployee" knew, prior to the policy period, that the "bodily injury'' or "property damage" occurred, then any continuation, change or resumption of such "bodily injury" or "property damage" during or after the policy period will be deemed to have been known prior to the policy period. c."Bodily injury'' or "property damage" which occurs during the policy period and was not, prior to the policy period, known to have occurred by any insured listed under Paragraph1.of Section II -Who Is An Insured or any "employee' authorized by yru to give or receive notice of an "occurrence' or claim, includes any continuation, change or resumption of that"bodily injury'' or "property damage' after the end of the policy period. d."Bodily injury'' or "property damage" will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section II -Who Is An Insure:! or any "errployee" authorized by yru to give or receive notice of an "occurrence' orclaim: {1) Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer; (2)Receives a written or verbal demand or claim for damages because of the "bodily injury'' or "property damage"; or (3)Becomes aware by any other means that "bodily injury'' or "property damage" has occurred or has begun to occur. CG T1 00 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. Policy No.: CO-4E966229-TCT-24 COMMERCIAL GENERAL LIABILITY e.Damages because of "bodily injury" include damages claimed by any person or organization for care, loss of services or death resulting atany 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'' or "property damage" resulting from the use ofreasonable 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 acontract or agreement. This exclusion does notapply 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 that the "bodily injury'' or "property damage" occurs subsequent to the execution of the contractor agreement. Sdely for the purposes of liability assumed in an "insured contract", reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to bedan,ages because of "bodily injury'' or"prc:µerty damage", provided that: (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 attorneys' fees and litigationexpenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c.Liquor Liability "Bodily injury'' or "property damage" for which any insured may 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 orunder the influence of alcohol; or (3)Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises, for consumption on your premises, whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages. d.Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. e.Employer's Liability "Bodily injury'' to: (1)An "employee" of the insured arising out ofand 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 sisterof 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 damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an "insured contract". f.Pollution (1)"Bodily injury'' or "property damage" arising out of the actua� alleged or threateneddischarge, dispersal, seepage, migration, release or escape of "pdlutants": (a)At or from any premises, site or location which is or was at any timeowned or occupied by, or rented or loaned to, any insured. However, thissubparagraph does not apply to: (i)"Bodily injury'' if sustained within abuilding and caused by smoke, fumes, vapor or soot produced by or originating from equipment that Page2 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CGT100 0 2 19 Includes copyrighted material of Insurance Services Office, Inc. with its permission. is used to heat, cool or dehumidify the building, or produced by or originating from equipment that is used to heat water for personal use by the building's occupants or their guests; (ii)"Bodily injury" or "property damage" for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site or location has beenadded to your policy as anadditional insured with respect to your ongoing operations performed for that additional insured at thatpremises, site or location and suchpremises, site or location is not and never was owned or occupied by, or rented or loaned to, any insured, other than that additionalinsured; or (iii)"Bodily injury'' or "property damage" arising out of heat, smoke or fumes from a "hostile fire"; (b)At or from any premises, site or location which is or was at any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of waste; (c)If such "pdlutants" are or were at any time transpated, handled, stored, treated, dispa;ed of, or processed aswa;;te by cr for: (i)Any insured; or (ii)Any person or organization forwhan you may be legallyresponsible; (d)At or from any premises, site or location on which any insured or any contractors or subcontractors workingdirectly or indirectly on any insured's behalf are performing operations if the "pollutants" are brought on or to the premises, site or location in connectionwith such operations by such insured,contractor or subcontractor. However, this subparagraph does not apply to: (i)"Bodily injury'' or "property damage" arising out of the escape of fuels, lubricants or other operating fluids which are needed COMMERCIAL GENERAL LIABILITY to perform the normal electrical hydraulic or mechanical functions necessary for the operation of "mobile equipment" or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the "bodily injury" or "property damage" arises out of the intentional discharge, dispersal or release of the fuels, lubricants or other operating fluids, or if such fuels, lubricants or other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part of the operations being performed by such insured, contractor or subcontractor; (ii)"Bodily injury'' or "property damage'' sustained within a building and caused by the release of gases, fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor; or (iii) "Bodily injury' or "property darage' arising out of heat, smoke or fumes from a "hcstile fire"; cr (e)At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured'sbehalf are or were at any time performing operations to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants". (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, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or CG T1 00 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Page 3 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY (b)Claim or suit by or on behalf of any governmental authority or any other persm or organization because oftesting for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". g.Aircraft, Auto Or Watercraft "Bodily injury'' or "property damage" arising out of the ownership, maintenance, use orentrustrrent to others of any aircraft, "auto" or watercraft 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 otherwrongdoing in the superv1s1on, hiring, employment, training or monitoring of others by that insured, if the "occurrence!' which caused the "bodily injury'' or "property damage'' involvedthe ownership, maintenance, use orentrustment to others of any aircraft, "auto" or wa:ercraft that is CM111ed or operated by or rented or loaned to any insured. This exclusion does not apply to: (1)A watercraft while ashore on premises youown or rent; (2)A watercraft you do not own that is: (a)50 feet long or less; and (b)Not being used to carry any person or property for a charge; (3)Parking an "auto" on, or on the ways nextto, 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 contract" for the ownership, maintenance or use of aircraft or watercraft; (5)"Bodily injury'' or "property damage" arising out of: (a)The operation of machinery orequipment that is attached to, or part of, a land vehicle that would qualify as "mobile equipment" under the definitionof "mobile equipment" if such land vehicle were not subject to a compulsory or financial responsibility law, or other motor vehicle insurancelaw, where it is licensed 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 "mobileequipment"; or (6)An aircraft that is: (a)Chartered with a pilot to any insured; (b)Not owned by any insured; and (c)Not being used to carry any person or property for a charge. h.Mobile Equipment "Bodily injury'' or "property danage" 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 danage" arising out of: (1)War, including undeclared or civil war; (2)Warlike action by a military force, including action in hindering or defending against anactual or expected attack, by anygovernment, sovereign or other authority using military personnel or other agents; or (3)Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending againstany 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, restoration 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; Page4 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CGT100 0219 Includes copyrighted material of Insurance Services Office, Inc. with its permission. (5)That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the "property damage" arises out of those operations; cr (6)That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraphs (1), (3) and (4) of this exclusion do nct apply to "premises damage". A separate limit of insurance applies to "premises damage" as described in Paragraph 6. of Section Ill - Units Of Insurance. Paragraph (2) of this exclusia, does nct apply if the premises are "your wcrk" and wa-e never occupied, rented cr held for rental byyau. Paragraphs (3), (4), (5) and (6) of this exclusiai do nct apply to liability assumed under a sidetrack agreement Paragraph (6) of this exclusiai does net apply to "prq:,erty damage" included in the "products completed operations hazard". k.Damage To Your Product "Property damage" to ''yaur product'' arising outof it or any part of it. I.Damage To Your Work "Property damage" to "your wcrk" 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 wcrk or the wcrk out of which the damage arises was paiormed on your behalf by a subcmtracta-. m.Damage To Impaired Property Or PropertyNot Physically Injured "Property damage'' to "impaired property" or property that has nct been physically injured, arising out of: (1)A defect, deficiency, inadequacy ordangerous 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 COMMERCIAL GENERAL LIABILITY accidental physical injury to "your product" or "your work" after it has been put to its intended use. n.Recall Of Products, Work Or ImpairedProperty Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1)"Your product"; (2)"Your work"; or (3)"Impaired property''; if such product, wcrk, or property is withdrawn or recalled from the market or from use by any person or organization because of a knOMl or suspected defeci deficiency, inadequacy or daigerous condition in it. o.Personal And Advertising Injury "Bodily injury'' arising out of "pa-sonal and advertising 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". However, this exclusion does not apply to liability for damages because of "bodily injury''. q.Unsolicited Communication "Bodily injury'' or "property damage'' arising out of any actual or alleged violation of any law that restricts or prohibits the sending, transnitting or distributing of "unsolicited communication". r.Access Or Disclosure Of Confidential OrPersonal Information "Bodily injury" or "property damage" arising out of any access to or disclosure of any person's or organization's confidential or persaial information. s.Asbestos (1)"Bodily injury" or "property damage" arising out of the actual or alleged presence or actual, alleged or threatened dispersal of asbestos, asbestos fibers or products containing asbestos, provided that the "bodily injury" or "property damage" is caused or contributed to by the hazardous properties of asbestos. CG T1 00 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Pages of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY (2)"Bodily injury" or "property damage" arising out of the actual or alleged presence or actual, alleged or threatened dispersa ofany solid, liquid, gaseous or thennal irritantor contaminant, including smoke, vapors,soot, fumes, acids, alkalis, chemicals and waste, and that are part of any claim or "suit'' which also alleges any "bodily injury" or "property damage" described in Paragraph (1) above. (3)Any loss, cost or expense arising out ofany: (a)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, asbestos, asbestos fibers or products containing asbestos; or (b)Claim or suit by or on behalf of any governmental authority or any otherperson or organization because oftesting for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in anyway responding to, or assessing the effects of, asbestos, asbestos fibers orproducts crntaining asbestos. t.Employment-Related Practices "Bodily injury" to: (1)A person arising out of any: (a)Refusal to employ that person; (b)Termination of that person's employment; or (c)Employment-related practice, policy, act or omission, such as coercion,demotion, evaluation, reassignment, discipline, failure to promote or advance, harassment, humiliation,discrimination, libel, slander, violation of the person's right of privacy,malicious prosecution or false arrest, detention or imprisonment applied to or directed at that persrn, regardless of whether such practice, policy, act or onission occurs, is applied or iscomnitted before, during or after the time of that persrn's employment; or (2)The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury'' to that person at whom any of the employment-related practices described in Paragraph (a), (b), cr(c) above is directed. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages ba::ause of the "bodily injury''. Exclusions c. through n. do not apply to "premises damage". A separate limit of insurance applies to "premises damage' as described in Paragraph 6. of Section Ill -Units Of Insurance. COVERAGE B-PERSONAL AND ADVERTISING INJURY LIABILITY 1.Insuring Agreement a.We will pay those sums that the insured becomes legally obligated to pay as damages because of "personal and advertising injury" to which this insurance applies. We will have theright 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 "personal andadvertising injury" to which this insurance does not apply. We may, at our discretion, investigate any offense and settle any claim or"suit'' that may result. But: (1)The amount we will pay for damages is limited as described in Section Ill -Units Of Insurance; and (2)Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments orsettlements under Coverages A or B ormedical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. b.This insurance applies to "personal and advertising injury'' caused by an offense arising out of your business but only if the offense wascommitted 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 advertisirg injury" caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict "personal and advertising injury''. Page 6 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 02 19 Includes copyrighted material of Insurance Services Office, Inc. with its permission. This exclusion does not apply to "personal injury" caused by malicious prosecution. b. Material Published With Knowledge OfFalsity "Personal and advertising injury'' arising out of oral or written publication, including publication by electronic means, of material, if done by or atthe direction of the insured with kn01Nledge ofits falsity. c.Material Published Or Used Prior To PolicyPeriod (1)"Personal and advertising injury'' arising out of oral or written publication, including publication by electronic means, of material whose first publication took place beforethe beginning of the policy period; or (2)"Advertising injury'' arising out ofinfringement of copyright, "title" or "slogan" in yrur "advertisaT1e11t" whcse first infringement in yrur "advertisaT1e11t11 We£cormitted befa-e the beginning of thepd icy perio:1. d.Criminal Acts "Personal and advertising injury'' arising out of acriminal act committed by or at the direction ofthe insured. e.Contractual Liability "Personal and advertising injury" for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages: (1)That the insured would have in the absence of the contract or agreement; or (2)Because of "personal injury'' assumed byyou in a contract or agreement that is an "insured contract'', provided that the "personal injury'' is caused by an offense committed subsequent to the execution ofthe contract or agreement. Solely for thepurposes of liability assumed by you in an "insured contract", reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damagesbecause of "personal injury'', provided that: (a)Liability to such party for, or for the cost of, that party's defense has also been assumed by you in the same "insured contract"; and (b)Such attorneys' fees and litigation expenses are for defense of that party COMMERCIAL GENERAL LIABILITY against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. f.Breach Of Contract "Advertising injury'' arising out of a breach of contract. g.Quality Or Performance Of Goods -FailureTo Conform To Statements "Advertising injury" arising out of the failure ofgoods, products or services to conform with any statement of quality or performance made in your "advertisement''. h.Wrong Description Of A-ices "Advertising injury" arising out of the wrong description of the price of goods, products or services stated in your "advertisement". i.Intellectual Property "Persaial and advertising injury'' arising out of any actual or alleged infringanent or violation of any of the follorving rights or laivs, or any other "perscnal and advertising injury'' alleged in anyclaim or "suit" that also alleges any such infringement or violation: (1)Copyright; (2)Patent; (3)Trade dress; (4)Trade name; (5)Trademark; (6)Trade secret; or (7)Other intellectual property rights or laws. This exclusion does not apply to: (1)"Advertising injury'' arising out of any actual or alleged infringement or violation ofanother's copyright, "title" or "slogan" inyour "advertisement"; or (2)Any other "personal and advertising injury" alleged in any claim or "suit" that also alleges any such infringement or violation of another's copyright, "title" or "slogan" inyour "advertisement". j.Insureds In Media And Internet TypeBusinesses "Personal and advertising injury'' caused by an offense committed by an insured whosebusiness is: (1)Advertising, "broadcasting"or publishing; CG T1 00 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Page 7 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY (2)Designing or determining content of websites for others; or (3)An Internet search, access, content or service prOllider. HOJ\e\.€r, this exclusion does net apply to Paragraphs a.(1 ), (2) and (3) of the definition of "personal injury". For the purposes of this exclusion: (1)Creating and producing correspondencewritten in the conduct of your business, bulletins, financial or annual reports, or newsletters about your goods, products or services will not be considered the business of publishing; and (2)The placing of frames, borders or links, or advertising, for you or others anyvmere onthe Internet will net, by itself, be considered the business of advertising, "brca:lcasting" or publishing. k.Electronic Chatrooms Or Bulletin Boards "Personal and advertising injury'' arising out of an electraiic chatroom or bulletin board the insured hoots or ow,s, or O\ter which theinsured exercises control. I.Unauthorized Use Of Another's Name OrProduct "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 misleadanother's potential customers. m.Pollution "Persaial and advertising injury'' arising out ofthe actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants" at any time. n.Pollution-Related Any loss, cost or expense arising out of any: (1)Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, or in any way respaid to, or assess the effects of, "pollutants"; or (2)Claim or suit by or on behalf of any governmental authority or any other personor organization because of testing for,monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". o.War "Personal and advertising injury'' arising out of: (1)War, including undeclared or civil war; (2)Warlike action by a military force, includingaction in hindering or defending against anactual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3)Insurrection, rebellion, revolution, usurpedpo.Ner, or action taken by governmental authority in hindering or defending against any of these. p.Unsolicited Communication "Personal and advertising injury'' arising out of any actual or alleged violation of any law that restricts or prohibits the sending, transmitting or distributing of "unsolicited canmunication". q.Access Or Disclosure Of Confidential OrPersonal lnfonnation "Personal and advertising injury'' arising out of any access to or disclcsure of any person's or orga,ization's confidential or persaial inforrration. r.Asbestos (1)"Personal and advertising injury" arising out of the actual or alleged presence or actual, alleged or threatened dispersal of asbestos, asbestos fibers or products containing asbestos, provided that the "personal and advertising injury'' is caused or caitributed to bythe hazardous prcperties of asbestos. (2)"Personal and advertising injury" arising outof the actual or alleged presence or actual,alleged or threatened dispersal of any solid,liquid, gaseous or thermal irritant or contaminant, including smoke, vapors, soot, fumes, acids, alkalis, chemicals and waste, and that are part of any claim or "suit" which also alleges any "personal and advertising injury" described in Paragraph(1)above. (3)Any loss, cost or expense arising out of any: (a)Request, demand, order or statutory or regulatory requirement that any insuredor others test for, monitor, clean up,remove, contain, treat, detoxify orneutralize, or in any way respond to, or Page8 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CGT100 0 2 19 Includes copyrighted material of Insurance Services Office, Inc. with its permission. assess the effects of, asbestos, asbestos fibers or products containing asbestos; or (b)Claim or suit by or on behalf of anygovernmental authority or any other person or organization because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, asbestos, asbestos fibers or products containing asbestos. s.Employment-Related Practices "Personal injury" to: (1)A person arising out of any: (a)Refusal to employ that person; (b)Termination of that errployrnant; or person's (c)Employment-related practice, policy, act or omission, such as coercion, demotion, evaluation, reassignment, discipline, failure to promote or advance, harassment, huniliation, discrinination, libel, slander, vidation of the persa,'s right of privacy, malicious prosecution or false arrest, detention or imprisonment applied to or directed at that persm, regardless of whether such practice, policy, act or onission occurs, is applied or is cornnitted before, during or after the time of that persm's employment or (2)The spouse, child, parent, brother or sister of that person as a consequence of "personal injury" to that person at whom any of the errploymant-related practices described in Paragraph (a), (b), or (c)above is directed. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the "personal injury". 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 COMMERCIAL GENERAL LIABILITY (3)Because of your operations; provided that: (a)The accident takes place in the "coverage territory" and during the policy period; (b)The expenses are incurred and reported tous within one year of the date of theaccident; and (c)The injured person submits to examination, at our expense, by physicians of our choiceas often as we reasonably require. b.We will make these payments regardless offault. These payments will not exceed the applicable linit of insurance. We will pay reasonable expenses for: (1)First aid administered at the time of an accident; (2)Necessary medical, surgical, X-ray and daital services, including prosthetic devices; and (3)Necessary ambulance,hospital, professional nursing and funeral services. 2.Exclusions We will not pay expenses for "bodily injury": a.Any Insured To any insured, except "volunteer workers". b.Hired Person To a person hired to do wcrk for or on behalf ofany insured or a tenant of any insured. c.Injury On Normally Occupied Premises To a pa-soo injured on that part of prenises you own or rent that the person normally occupies. d.Workers' Compensation And Similar Laws To a persa,, whether or not an "errployee" of any insured, if baiefits for the "bcdily injury" are payable or must be provided under a wcrkers'cornpensaion or disability baiefrt:s law or a sinilar law. e.Athletics Activities To a person injured while practicing, instructing or participating in any phy.;ical exercises orgames, sports, or athletic contests. f.Products-Completed Operations Hazard Included within the "products-completed operations hazard". g.Coverage A Exclusions Excluded under Coverage A. CGT100 0 2 19 © 2017 The Travelers Indemnity Company. All rights reserved. Page 9 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY SUPPLEMENTARY PAYMENTS 1.We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: a.All expenses we incur. b.Up to $2,500 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We 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 insured at our request to assist us in the investigation or defense of the claim or "suit",including actual loss of earnings up to $500 a day because of time off from work. e.All court costs taxed against the insured in the "suit". However, these payments do not include attorneys' fees or attorneys' expenses taxed against the insured. f.Prejudgment interest awarded against theinsured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. g.All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insuranca 2.If we defend an insured against a "suit" and an indemnitee of the insured is also narred as a party to the "suit", we will defend that inderrnitee if all of the fdlcming conditions are met: a.The "suit" against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an "insured contract"; b.This insurance applies to such liability assumed by the insured; c.The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in the sarre "insuroo contract''; d.The allegations in the "suit" and the information we know about the "occurrence" or offense aresuch that no conflict appears to exist between the interests of the insured and the interests of the indemnitee; e.The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such "suit" and agree that we can assign the same counsel 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 coordinating 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 (b)Conduct and control the defense of theindemnitee in such "suit". So long as the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee, 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 -Caverages -Ccwerage A - Bodily Injury And Prq:>erty Damage Liability or Paragraph 2.e. of Section I -Caverages - Ccwerage B -Persmal And Advertising Injury Liability, such payments will not be deemed to be damages for "bodily injury", "property damage" or "personal injury'', and will not reduce the limits of insurance. Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary Payments ends when: Page 10 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 0219 Includes copyrighted material of Insurance Services Office, Inc. with its permission. a.We have used up the applicable limit of insurance in the payment of judgments, settlements or medical expenses; or b.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 yru are designated in the Declarations as: a.An individual, you and your spouse areinsureds, but only with respect to the conductof a business of which you are the sole owner. b.A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect 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 totheir 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 directorsare insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only withrespect to their liability as stockholders. e.A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. 2.Each of thefollavving 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 alimited 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"employees" or "volunteer workers" are insureds for: (1)"Bodily injury'' or "personal injury'': (a)To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limitedliability company), to a co-"employee" while in the course of his or heremployment or performing duties related to the conduct of your business, or to your other "volunteer COMMERCIAL GENERAL LIABILITY workers" while related to the business; performing duties conduct of your (b)To the spouse, child, parent, brother or sister of that co-"employee" or "volunteer wcrker'' as a consequence of Paragraph (1 )(a) above; (c)For which there is any obligation to share damages with or repay sorreaie else who must pay damages because of the injury described in Paragraph(1)(a) or(b) above; or (d)Arising out of his or her providing or failing to provide professional health care services. Unless you are in the business or occupation of providing professional health care services, Paragraphs (1)(a), (b), (c) and ( d) above do net apply to "bodily injury'' arising out of providing or failing to provide first aid or "Gocx::l Samaritan services" by any of your "employees" or "volunteer workers", other than an employed or volunteer doctor. Any such "employees" or "volunteer workers" providing or failing to provide first aid or "Good Samaritan services" during their work hours for you will be deemed to be acting within the scope of their employment by you or performing duties related to the conduct of your business. (2)"Property damage" to property: (a)Owned, occupied or used by; (b)Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). b.Any person (other than your "employee" or"volunteer worker"), or any organization, whileacting as your real estate manager. c.Any person or organization having propertemporary custody of your property if you die,but only: (1)With respect to liability arising out of themaintenance or use of that property; and (2)Until your legal representative has beenappointed. CG T1 00 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Page 11 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY d.Your legal representative if you die, but onlywith respect to duties as such. That representative will have all your rights and duties under this Coverage Part. e.Any person or organization that, with your express or implied consent, either uses or isresponsible for the use of a watercraft that youdo not own that is: (1)50 feet long or less; and (2)Not being used to carry any person or property for a charge. 3.Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and of which you are the sole owner or inwhich you maintain an ownership interest of morethan 50%, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a.Coverage under this provision is afforded onlyuntil the 180th day after you acquire or form theorganization 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 offensecommitted before you acquired or formed the organization. For the purposes of Paragraph 1. of Section II - Who Is An Insured, each such orgaiization will be deemed to be designated in the Declarations as: a.An organization, other than a partnership, joint venture or limited liability company; or b.A trust; as indicated in its name or the documents that govern its structure. 4.Any person or organization that is a premises ovvner, manager or lessor and that you have agreed in a written contract or agreement to include as an additional insured on this Coverage Part is an insured, but only with respect to liability for "bcx:lily injury'', "property damage" or "personal and advertising injury'' that: a.Is "bodily injury'' or "property damage" that occurs, or is "personal and advertising injury'' caused by an offense that is committed, subsequent to the signing of that contract or agreement; and b.Arises out of the ownership, maintenance or use of that part of any premises leased to you. The insurance provided to such premises owner, manager or lessor is subject to the following provisions: a.The limits of insurance provided to suchpremises owner, manager or lessor will be theminimum limits that you agreed to provide in the written contract or agreement, or the limits shown in the Declarations, whichever are less. b.The insurance provided to such premises owner, manager or lessor does not apply to: (1)Any "bodily injury'' or "property damage" that occurs, or "personal and advertising injury'' caused by an offense that iscommitted, after you cease to be a tenant in that premises; or (2)Structural alterations, new construction or demolition operations performed by or onbehalf of such premises owner, manager orlessor. 5.Any person or organization that is an equipment lessor and that you have agreed in a written contract or agreement to include as an additional insured onthis Coverage Part is an insured, but only withrespect to liability for "bodily injury'', "property damage", or "personal and advertising injury'' that: a.Is "bodily injury'' or "property damage" thatoccurs, or is "personal and advertising injury''caused by an offense that is committed,subsequent to the signing of that contract or agreement; and b.Is caused, in whcie or in part, by your acts or omissions in the maintenance, operation or use of equipment leased to you by such equipmentlessor. The insurance provided to such equipment lessor is subject to the following provisions: a.The limits of insurance provided to such equipment lessor will be the minimum limits that you agreed to provide in the written contract or agreement, or the limits shOv'Vll in theDeclarations, whichever are less. b.The insurance provided to such equipmentlessor does not apply to any "bodily injury'' or"property damage" that occurs, or "personal and advertising injury'' caused by an offense that is committed, after the equipment leaseexpires. No person or organization is an insured with respect to the conduct of any current or past partnership, joint Page 12of21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 0219 Includes copyrighted material of Insurance Services Office, Inc. with its permission. venture or limited liability company that is not shown as a Named Insured in the Declarations. This paragraph does not apply to any such partnership, joint venture or limited liability company that otherwise qualifies as an insured under Section II-Who Is An Insured. SECTION Ill -LIMITS OF INSURANCE 1.The Limits of Insurance shown in the Declarationsand the rules below fix the most we will pay regardless of the number of: a.Insureds; b.Claims made or "suits" brought; or c.Persons or organizations making claims orbringing "suits". 2.The General Aggregate Limit is the most we will payfor the sum of: a.Medical expenses under CoverageC; b.Damages under Coverage A, except danagesbecause of "bcxlily injury'' or "prcperty damage" included in the "products-completed operatiooshazard"; and c.Damages under Coverage B. 3.The Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A fordamages because of "bodily injury'' and "propertydamage" included in the "products-completedoperations hazard'. 4.Subject to Paragraph 2. above, the Persmal AndAdvertising Injury Limit is the most we will payunder Coverage B for the sum of all damagesbecause of all "personal injury'' and "advertisinginjury'' sustained 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 "bcxlily injury'' and "property danage" arising out of anyone "occurrence''. For the purposes of da:errrining the applicable Each Occurrence Limit, all related acts or omissions committed in providing or failing to provide first aid or "Good Samaritan services" to any one person will be deemed to be one "occurrence". 6.Subject to Paragraph 5. above, the Damage ToPremises Rented To You Limit is the most we willpay under Coverage A for damages because of"premises damage" to any one premises. TheDamage To Premises Rented To You Limit will be: COMMERCIAL GENERAL LIABILITY a.The amount shown for the Damage To Premises Rented To You Limit in theDeclarations of this Coverage Part; or b.$300,000 if no amount is shown for theDamage To Premises Rented To You Limit in the Declarations of this Coverage Part. 7.Subject to Paragraph 5. above, the MedicalExpense Limit is the most we will pay underCoverage 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 deemad part of the last preceding period for purposes of da:errrining the Limits ci Insurance. SECTION IV-COMMERCIAL GENERAL LIABILITY CONDITIONS 1.Bankruptcy Baikrup:cy or insolvency of the insured or of the insured's estate will not relieve us of our obligationsunder this Coverage Part. 2.Duties In The Event Of Occurrence, Ofranse,Claim Or Suit a.You must see to it that we are notified as soonas practicable of an "occurrence!' or an offensewhich may result in a claim To the extent possible, noticeshould include: (1)How, when and where the "occurrence" oroffense took place; (2)The names and addresses of any injuredpersons and witnesses; and (3)The nature and location of any injury ordanage arising out of the "occurrence' or offense. b.If a claim is made or ''suit'' is brought againstany insured, you must: { 1) Immediately record the specifics of theclaim or "suit" and the date received; and (2)Notify us as soon as practicable. You must see to it that we receive written notice of the claim or "suit" as soon as practicable. c.You and any other involved insured must: (1)Immediately send us copies of anydemands, notices, summonses or legalpapers received in connection with theclaim or "suit"; CG T1 00 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Page 13 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY (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 enforcement 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. e.The following provisions apply to Paragraph a. above, but only for purpa;;es of the insura,ce provided under this Coverage Part to you or any insura:l listed in Paragraph 1. or 2. of Section II -Who Is An Insured: (1)Notice to us of such "occurrence" or offense must be given as soon as practicable only after the "occurrence" or offense is known to you (if you are an individual), any of your partners or members who is an individual (if you are a partnership or joint venture), any of your managers who is an individual (if you are a limited liability company), any of your "executive officers" or directors (if you arean organization other than a partnership, joint venture, or limited liability company), any of your trustees who is an individual (if you are a trust) or any "errplcyee" authorized by you to give nctice of an "occurrence' or offense. (2)If you are a partnership, joint venture, limted liability canpany or trust, and none of your partners, joint venture members, managers or trustees are individuals, notice to us of such "occurrence" or offense must be given as soon as practicable only after the "occurrence" or offense is known by: {a) Any individual who is: (i)A partner or member of anypartnership or joint venture; {ii) A manager of any limited liability company; (iii)An executive officer or director of any other organization; or (iv) A trustee of any trust; that is your partner, joint venture member, manager or trustee; or (b)Any employee authorized by such partnership, joint venture, limited liability company, trust or other organization to give notice of an"occurrence!' or offense. (3)Notice to us of such "occurrence" or offense will be deemed to be given as soon as practicable if it is given in good faith as soon as practicable to your workers' compensation insurer. This applies only if you subsequently give notice to us of the "occurrence'' or offense as soon as practicable after any of the pa-sa,s described in Paragraph e.(1) or (2) above discovers that the "occurrence" or offensemay result in sums to which the insurance provided under this Coverage Part may apply. However, if this policy includes an endorsement that provides limited coverage for "bodily injury'' or "property damage" or pollution costs arising out of a discharge, release or escape of "pollutants" which contains a requirement that the discharge, release or escape of "pollutants" must be reported to us within a specific number of days after its abrupt commencement, this Paragraph e. does not affect that requirement. 3.Legal Action Against Us No person or organization has a right under this CcweragePart a.To join us as a party or otherwise bring us into a "suit" asking for damages fran an insured; cr b.To sue us on this Coverage Part unless all ofits terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured, and the claimant or the claimant's legal representative. Page14of21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 0219 Includes copyrighted material of Insurance Services Office, Inc. with its permission. 4.other Insurance If valid and collectible other insurance is available to the insure:! for a loss we CO\€r unde-Coverages Aor B of this Coverage Part, our obligaticns arelimite::l as describe::! in Paragraphs a. and b. below. As use:! anywhere in this Coverage Part, other insurance means insurance, or the funding of losses, that is provided by, through or on behalf of: {i) Another insurance company; {ii) Us or any of our affiliated insurance companies, except when the Non cumulation of Each Occurrence Limt pravisicn of Paragraph 5. of Section Ill -Limts Of Insurance or the Non cumulation of Personal and Advertising Injury Limit provision of Paragraph 4. of Section Ill - Limts of Insurance applies because the Amendment -Non Cumulaticn Of Each Occurrence Limit Of Liability And Non Cumulation Of Personal And Advertising Injury Limit endorsement is included in this policy; {iii) Any risk retention group; or {iv) Any self-insurance method or program, in which case the insured will be deemed to be the provider of other insurance. Other insurance does not include umbrella insurance, or excess insurance, that was bought specifically to apply in excess of the Limits of Insurance shewn in the Declarations of this Coverage Part. As used anywhere in this Coverage Part, other insurer means a provider of other insurance. As used in Paragraph c. below, insurer means a provider of insurance. a.Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance isprimary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in Paragraph c. below, except when Paragraph d. below applies. b.Excess Insurance (1)This insurance is excess over: {a) Any of the other insurance, whetherprimary, excess, contingent or on any other basis: (i)That is Fire, Extended Coverage,Builder's Risk, Installation Risk orsimilar coverage for "your work"; COMMERCIAL GENERAL LIABILITY (ii)That is insurance for "premisesdamage"; (iii)If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extentnot subject to any exclusion in this Coverage Part that applies to aircraft, "autos" or watercraft; (iv)That is insurance available to a premises owner, manager or lessor that qualifies as an insuredunder Paragraph 4. of Section II - Who Is An Insured, except when Paragraph d. below applies; or (v)That is insurance available to anequipment lessor that quaifies as an insured unde-Paragraph 5. of Section II -Who Is An Insure:!, except when Paragraph d. belowapplies. (b)Any of the other insurance, whether primary, excess, contingent or on anyother basis, that is available to the insured when the insured is anadditional insured, or is any other insured that does not qualify as a named insured, under such other insurance. (2)When this insurance is excess, we will have no duty under Coverages 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 defends, we will undertake to do so,but we will be entitled to the insured's rights against all those other insurers. (3)When this insurance is excess over other insurance, we will pay only our share of theamount of the loss, if any, that exceeds the sum of: (a)The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (b)The total of all deductible and self insure::l amounts unde-all that otheinsurance. (4)We will share the remaining loss, if any,with any other insurance that is notdescribed in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insuranceshown in the Declarations of this CoveragePart. CGT100 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Page 15 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY 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 contributes equal amounts until it has paid its applicablelimit 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'sshare is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. d.Primary And Non-Contributory Insurance IfRequired By Written Contract If you specifically agree in a written ccntract oragreement that the insurance afforded to an insured under this Coverage Part must apply on a primary ba;;is, or a primary and ncncontributory basis, this insuraice is primary toother insurance that is available to such insuredwhich covers such insured as a named insured,and we will not share with that other insurance, provided that: (1)The "bodily injury'' or "property damage" for which coverage is sought occurs; and (2)The "personal and advertising injury'' for which coverage is sought is caused by an offense that is committed; subsequent to the signing of that contract or agreement by you. 5.Premium Audit a.We will compute all premiums for this CoveragePart in accordance with our rules and rates. b.Premium sho.,vn in this Coverage Part asadvance 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 datefor audit and retrospective premiums is the date shONn as the due date on the bill. If the sum of the actva,ce and audit premiums paid for thepdicy peiod is greater than the eanedpremium, we will return the e,cess to the first Named Insured. c.The first Named Insured must keep records of the information we need for premiumcomputation, and send us copies at such timesas we may request. 6.Representations By accepting this policy, you agree: a. The statements in the Declarations are accurate and complete; b.Those statements are based upon representations you made to us; and c.We have issued this policy in reliance upon your representations. The unintentional omission of, or unintentional error in, any information provided by you which we relied upon in issuing this policy will not prejudice your rights under this insurance. However, this provision does not affect our right to collect additional premium or to exercise our rights of cancellation or nonrenewal in accordance with applicable insurance laws or regulatiais. 7.Separation Of Insureds Except with respect to the Limits of lnsura,ce, and any rights or duties specifically assigned in this Ccrverage Part to the first Named Insured, this insurance applies: a.As if each Named Insured were the onlyNamed Insured; and b.Separately to each insured against whom claim is made or "suit" is brought. 8.Transfer Of Rights Of Recovery Against OthersTo Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rightsto 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 inthe Declarations written notice of the nonrenewalnot less than 30 days before the expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. SECTION V -DEFI NITIONS 1."Ad\..ettisement" means a notice that is broa:lcast or published to the general pu�ic or specific marketsegrra,ts about yoor goods, products or servicesfor the purpose of attracting custarers orsupporters. 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 websites, only that part of a website that is about your goods, products or services for the purposes of attracting customers orsupporters is considered an advertisement. Page16of21 © 2017 The Travelers Indemnity Company. All rights reserved. CGT100 0219 Includes copyrighted material of Insurance Services Office, Inc. with its permission. 2."Advertising injury": a.Means injury caused by one or more of the following offenses: (1)Oral or written publication, includingpublication by electronic means, of materialin your "advertisement" that slanders or libels a person or organization ordisparages a person's or organization'sgoods, products or services, provided thatthe claim is made or the "suit'' is brought bya person or organization that claims to have been slandered or libeled, or that claims tohave had its goods, products or servicesdisparaged; (2)Oral or written publication, including publication by electrcnic means, of materialin your "advertisement" that: (a)Appropriates a person's name, voice,photograph or likeness; or (b)Unreasonably places a person in afalse light; or (3)Infringement of copyright, "title" or "slogan"in your "advertisement", provided that theclaim is made or the "suit" is brought by a perscn or organization that claimsownership of such copyright, "title" or"slogan". b.Includes "bodily injury'' caused by one or moreof the offenses described in Paragraph a. above. 3."Auto" means: a.A land motor vehicle, trailer or semitrailerdesigned for travel on public roads, includingany attached machinery or equipment; or b.Any other land vehicle that is subject to acompulsory or financial responsibility law, orother motor vehicle insurance law, where it islicensed or principally garaged. HoVvever, "auto" does not include "mobile equipment". 4."Bodily injury'' means: a.Physical harm, including sickness or disease,sustained by a person; or b.Mental anguish, injury or illness, or emotionaldistress, resulting at any time from suchphysical harm, sickness or disease. 5."Broadcasting" means transmitting any audio or visual material for any purpose: a.By radio or television; or COMMERCIAL GENERAL LIABILITY b.In, by or with any other electronic means ofcommunication, such as the Internet, if that material is part of: (1)Radio or television programming being transmitted; (2)Other entertainment, educational, instructional, music or news programmingbeing transmitted; or (3)Advertising transmitted with any of suchprogramming. 6."Coverage territory'' means: a.The United States of America (including itsterritories and possessions), Puerto Rico and Canada; b.International waters or airspace, but only if the injury or damage occurs in the course of travelor transportation between any places included in Paragraph a. above; or c.All other parts of the world If the injury or damage arises out of: (1)Goods or products made or sold by you in the territory described in Paragraph a.above; (2)The actMties of a person whose home is inthe territory described in Paragraph a. above, but is away for a short time on yourbusiness; or (3)"Personal and advertising injury'' offensesthat take place through the Internet orsimilar electronic means ct communication; provided the insured's responsibility to pay damages is determined in a "suit" on the merits in the territory described in Paragraph a. above, or in a settlement we agree to. 7."Electronic data" means information, facts orprograms stored as or on, created or used on, ortransmitted to or from computer software (includingsystems and applications software), hard or floppy disks, CD-ROMs, tapes, drives, cells, dataprocessing devices or any other media which are used with electronically controlled equipment. 8."Employee" includes a "leased worker". "Employee"does not include a "temporary worker". 9."Executive officer" means a person holding any of the officer positions created by your charter,constitution, bylaws or any other similar governing document. CGT100 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Page 17 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY 10."Good Samaritan services" means any emergencymedical services for which no compensation is demanded or received. 11."Hostile fire" means a fire which beccrnes uncontrollable or breaks out from where it was intended to be. 12."Impaired property'' means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a.It incapcrates "yot.ir product" or "yOUr work''that is known or thought to be defective, deficient, 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 repair, replacement, adjustment or removal of "your product" or "your work" or your fulfilling the terms of the contract or agreement. 13."Insured contract" means: a.A contract for a lease of premises. However, that portion of the contract for a lease ofpremises that indemnifies any person or organization for "premises damage" is not an"insured contract''; b.A sidetrack agreement; c.Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; d.An obligation, as required by ordinance, to indemnify a municipality, except in connectionwith work for a municipality; e.An elevator maintenance agreement; f.That part of any other contract or agreementpertaining to your business (including an indemnification of a municipality in connectioo with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury", "propertydamage" or "personal injury'' to a third person or organization. Tort liability means a liability that would be imposed by law in the absence ofany contract or agreement. Paragraph f. does not include that part of anycontract or agreement: (1)That indemnifies a railroad for "bodilyinjury'' or "property damage" arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, roadbeds, tunnel, underpass or crossing; (2)That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a)Preparing, approving, or failing toprepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (b)Giving directions or instructions, orfailing 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 insured's rendering or failure to render professional services, including those listed in Paragraph (2) above and supervisory, inspection, architectural or engineering activities. 14."Leased worker'' means a person leased to you by a labor leasing firm under an agreement between youand the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker''. 15."Loading or unloading" means the handling ofproperty: a.After it is moved from the place where it is accepted for rro\errent into or onto an aircrat, 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, watercraft or "auto" to the place where it isfinally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or "auto". 16."Mobile equipment" means any of the followingtypes of land vehicles, including any attachedmachinery or equipment: a.Bulldozers, farm machinery, forklifts and othervehicles designed for use principally off publicroads; b.Vehicles maintained for use solely on or next to premises you own or rent; c.Vehicles that travel on crawler treads; Page 18 of21 © 2017 The Travelers Indemnity Company. All rights reserved. CGT1 00 02 19 Includes copyrighted material of Insurance Services Office, Inc. with its permission. d.Vehicles, whether self-propelled or not,maintained primarily to provide mobility to permanently mounted: (1)Power cranes, shovels, loaders, diggers ordrills; 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 net self-propelled and are maintained primarily to provide mobility topermanently attache:I equipment of the follONing types: (1)Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2)Cherry pickers and similar devices used toraise or lower workers; f.Vehicles not described in Paragraph a., b., c.or d. above maintained primarily for purpa;es other than the transpatation of persons or cargo. HO\i\ever, self-propelled vehicles with the following types of permanently attachedequipment are not "mobile equipment" but willbe considered "autos": ( 1)Equipment designed primarily for: (a)Snow removal; (b)Road maintenance,but not construction or resurfacing; or (c)Street cleming; (2)Cherry pickers and similar devicesmounted on automobile or truck chassis and used to raise or lower workers; and (3)Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lightingand well servicing equipment. However, "mobile equipment" does not include any land vehicle that is subject to a compulsory or financial responsibility law, or other motor vehicle insurance law, where it is licensed or principally garaged. Such land vehicles are considered "autos". 17."Occurrence" means: a.An accident, including continuous or repeatedexposure to substantially the same generalharmful conditions; or COMMERCIAL GENERAL LIABILITY b.An act or omission committed in providing or failing to provide first aid or "Good Samaritan services" to a person, unless you are in the business or occupation of providing professional health care services. 18."Personal and advertising injury'' means "personal injury'' or "advertising injury". 19."Personal injury'': a.Means injury, other than "advertising injury'', caused by one or more of the follMng offenses: (1)False arrest, detention or imprisonment; (2)Malicious prosecution; (3)The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, provided that the wrongful eviction, wrongful entry or invasion of the right of private occupaicy is committed by or on behalf of the owner, landlord or lessor of that room, dweling or premises; (4)Oral or written publication, including publication by electronic means, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services, provided that the claim is made or the "suit" is brought by a person or organization that claims to have been slandered or libeled, or that claims to have had its goods, products or services disparaged; or (5)Oral or written publication, includingpublication by electronic means, of material that: (a)Appropriates a person's name, voice, photograph or likeness; or (b)Unreasonably places a person in a false light. b.Includes "bodily injury" caused by one or more of the offenses described in Paragraph a. above. 20."Pollutants" mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals andwaste. Waste includes materials to be recycled,reconditioned or reclaimed. CGT1 00 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Page 19 of 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL GENERAL LIABILITY 21."Premises damage" means: a.With respect to the first paragraph of theexceptions in Exclusion j. of Section I -Coverage A -Bcx:lily Injury And Prq:>ertyDamage Liability, "prq:,erty damage" to any premises while rented to you for a pericx:1 ofseven or fewer consecutive days, including thecontents d such premises; or b.With respect to the exception to Exclusions c.through n. in the last paragraph of Paragraph 2. of Section I -Coverage A -Bcx:lily Injury AndPrq:,erty Damage Liability, "prq:,erty damage'' toany premises while rented to you for a period ofmore than seven consecutive days, or whiletemporarily occupied by you with permission of the owner, caused by: (1)Fire; (2)Explosion; (3)Lightning; (4)Smoke resulting from fire, explosion or lightning; or (5) Water. But "premises damage" under this Paragraph b.does not include "property damage" to anypremises caused by: (1)Rupture, bursting, or operation of pressurerelief devices; (2)Rupture or bursting due to expansion orswelling of the contents of any building or structure caused by or resulting from water;or (3)Explosion of steam boilers, steam pipes,steam engines or steam turbines. 22."Products-completed operations hazard": a. Includes all "bodily injury" and "propertydamage" occurring away from premises you O\Ml or rent and arising out of "your product" or"your work" except: (1)Products that are still in your physicalpossession; or (2)Work that has not yet been completed orabandoned. However, "your work" will bedeemed completed at the earliest of thefollowing times: (a)When all of the work called for in yourcontract has been completed. (b)When all of the work to be done at thejob site has been completed if your contract calls for work at more than one job site. (c)When that part of the work done at ajob site has been put to its intendeduse by any person or organization otherthan another contractor orsubcontractor wcrking on the same prtject. 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 "propertydamage" arising out of: (1)The transportation of property, unless theinjury or damage arises out of a condition in or on a vehicle not owned or operated byyou, and that condition was created by the"loading or unloading" of that vehicle by anyinsured; (2)The existence of tools, uninstalled equipment or abandoned or unusedmaterials; or (3)Products or operations for which theclassification, listed in the Declarations or in a pdicy Schedule, states that productscompleted operations are subject to theGeneral Aggregate Limit. 23."Property damage'' means: a.Physical injury to tangible property, including allresulting loss of use of that property. All such loss of use will be deemed to occur at the time ofthe physical injury that caused it; or b.Loss of use of tangible property that is not physically injured. All such loss of use will bedeemed to occur at the time of the "occurrence" that caused it. For the purposes of this insurance, "electr01ic data" is not tangible property. 24."Slogan": a.Means a phrase that others use for the purpose of attracting attention in their advertising. b.Does not include a phrase used as, or in, the name of: (1)Any person or organization, other than you;or (2)Any business, or any of the premises, goods, products, services or work, of anyperson or organization, other than you. Page20 of21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 00 02 19 Includes copyrighted material of Insurance Services Office, Inc. with its permission. 25."Suit" means a civil proceeding in which damages because of "bodily injury", "property damage" or "personal and advertising injury' to which this insurance applies are alleged. "Suit" includes: a.An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b.Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 26."Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short term workload conditions. 27."Title" means a name of a literary or artistic work. 28."Unsolicited communication" means any communication, in any form, that the recipient of such communication did not specifically request to receive. 29."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. 30 . "Your product": a.Means: (1)Any goods or products, other than real property, manufactured, sold, haidled, distributed or disposed of by: COMMERCIAL GENERAL LIABILITY (a)You; (b)Others trading under your name; or (c)A person or organization whose business 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, durability, performance or use of "your product''; and (2)The providing of or failure to provide warnings or instructions. c.Does not include vending machines or other property rented to or located for the use of others but not sold. 31."Yourwork": a.Means: (1)Work or operations performed by you or on your behalf; and (2)Materials, parts or equipment furnished inconnection with such work or operations. b.Includes: (1)Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work"; and (2)The providing of or failure to provide warnings or instructions. CG T1 00 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Page21 of21 Includes copyrighted material of Insurance Services Office, Inc. with its permission, COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. XTEND ENDORSEMENTFORCONTRACTORS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART GENERAL DESCRIPTION OF COVERAGE -This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to this Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general coverage description only. Read all the provisions of this endorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered. A.Who Is An Insured -Unnamed Subsidiaries B.Blanket Additional Insured -GovernmentalEntities -Permits Or Authorizations Relating To Operations PROVISIONS A.WHO IS AN INSURED UNNAMED SUBSIDIARIES The following is added to SECTION II -WHO IS AN INSURED: Any of your subsidiaries, other than a partnership, joint venture or limited liability company, that is not shown as a Named Insured in the Declarations is a Named Insured if: a.You are the sole owner of, or maintain an ownership interest of more than 50% in, such subsidiary on the first day of the policy period; and b.Such subsidiary is not an insured under similar other insurance. No such subsidiary is an insured for "bodily injury" or "property damage" that occurred, or "personal and advertising injury" caused by an offense committed: a.Before you maintained an ownership interest of more than 50% in such subsidiary; or b.After the date, if any, during the policy periodthat you no longer maintain an ownership interest of more than 50% in such subsidiary. For purposes of Paragraph 1. of Section II -Who Is An Insured, each such subsidiary will be deemed to be designated in the Declarations as: C.Incidental Medical Malpractice D.Blanket Waiver Of Subrogation E.Contractual Liability -Railroads F.Damage To Premises Rented To You a. An organization other than a partnership, joint venture or limited liability company; or b.A trust; as indicated in its name or the documents that govern its structure. B.BLANKET ADDITIONAL INSURED GOVERNMENTAL ENTITIES -PERMITS OR AUTHORIZATIONS RELATING TO OPERATIONS The following is added to SECTION II -WHO IS AN INSURED: Any governmental entity that has issued a permit or authorization with respect to operations performed by you or on your behalf and that you are required by any ordinance, law, building code or written contract or agreement to include as an additional insured on this Coverage Part is an insured, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" arising out of such operations. The insurance provided to such governmental entity does not apply to: a. Any "bodily injury", "property damage" or "personal and advertising injury" arising out ofoperations performed for the governmental entity; or b. Any "bodily injury" or "property damage" included in the "products-completedoperations hazard". CG D316 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 3 Includes copyrighted material of Insurance Services Office, Inc., with its permission. COMMERCIAL GENERAL LIABILITY C.INCIDENTAL MEDICAL MALPRACTICE 1.The following replaces Paragraph b. of thedefinition of "occurrence" in the DEFINITIONS Section: b.An act or omission committed in providingor failing to provide "incidental medical services", first aid or "Good Samaritanservices" to a person, unless you are in the business or occupation of providingprofessional health care services. 2.The following replaces the last paragraph ofParagraph 2.a.(1) of SECTION II -WHO IS AN INSURED: Unless you are in the business or occupation of providing professional health care services,Paragraphs (1)(a), (b), (c) and (d) above donot apply to "bodily injury" arising out of providing or failing to provide: (a)"Incidental medical services" by any of your "employees" who is a nurse, nurseassistant, emergency medical technician or paramedic; or (b)First aid or "Good Samaritan services" byany of your "employees" or "volunteer workers", other than an employed orvolunteer doctor. Any such "employees" or "volunteer workers" providing or failingto provide first aid or "Good Samaritanservices" during their work hours for you will be deemed to be acting within thescope of their employment by you or performing duties related to the conductof your business. 3.The following replaces the last sentence ofParagraph 5. of SECTION Ill -LIMITS OF INSURANCE: For the purposes of determining theapplicable Each Occurrence Limit, all related acts or omissions committed in providing orfailing to provide "incidental medical services", first aid or "Good Samaritanservices" to any one person will be deemed to be one "occurrence". 4.The following exclusion is added toParagraph 2., Exclusions, of SECTION I - COVERAGES -COVERAGE A -BODILYINJURY AND PROPERTY DAMAGE LIABILITY: Sale Of Pharmaceuticals "Bodily injury" or "property damage" arising out of the violation of a penal statute or ordinance relating to the sale of pharmaceuticals committed by, or with the knowledge or consent of, the insured. 5.The following is added to the DEFINITIONS Section: "Incidental medical services" means: a.Medical, surgical, dental, laboratory, x-ray or nursing service or treatment, advice or instruction, or the related furnishing of food or beverages; or b.The furnishing or dispensing of drugs or medical, dental, or surgical supplies or appliances. 6. The following is added to Paragraph 4.b., Excess Insurance, of SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS: This insurance is excess over any valid and collectible other insurance, whether primary, excess, contingent or on any other basis, that is available to any of your "employees" for "bodily injury" that arises out of providing or failing to provide "incidental medical services" to any person to the extent not subject to Paragraph 2.a.(1) of Section II - Who Is An Insured. D. BLANKET WAIVER OF SUBROGATION The following is added to Paragraph 8., Transfer Of Rights Of Recovery Against Others To Us, of SECTION IV -COMMERCIAL GENERAL LIABILITY CONDITIONS: If the insured has agreed in a contract or agreement to waive that insured's right of recovery against any person or organization, we waive our right of recovery against such person or organization, but only for payments we make because of: a."Bodily injury" or "property damage" that occurs; or b."Personal and advertising injury" caused by an offense that is committed; subsequent to the execution of the contract or agreement. E.CONTRACTUAL LIABILITY -RAILROADS 1.The following replaces Paragraph c. of thedefinition of "insured contract" in the DEFINITIONS Section: c.Any easement or license agreement; Page 2 of 3 © 2017 The Travelers Indemnity Company. All rights reserved. CG D3 16 02 19 Includes copyrighted material of Insurance Services Office, Inc., with its permission. 2.Paragraph f.(1) of the definition of "insured contract" in the DEFINITIONS Section isdeleted. F. DAMAGE TO PREMISES RENTED TO YOU The following replaces the definition of "premisesdamage" in the DEFINITIONS Section: "Premises damage" means "property damage" to: COMMERCIAL GENERAL LIABILITY a.Any premises while rented to you or temporarily occupied by you with permissionof the owner; or b. The contents of any premises while suchpremises is rented to you, if you rent suchpremises for a period of seven or fewer consecutive days. CG D316 0219 © 2017 The Travelers Indemnity Company. All rights reserved. Page 3 of 3 Includes copyrighted material of Insurance Services Office, Inc., with its permission. TRAVELERs'J"' ONE TOWER SQUARE HARTFORD, CT 06183 WORKERS COMPENSATION AND EMPLOYERS LiABILITY POLICY ENDORSEMENT WC 99 03 76 ( A)-001 POLICY NUMBER: (DTJUB-4E86081-6-16) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT -CALIFORNIA (BLANKET WAIVER) We have the right to rec,over our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. The additional premium for this endorsement shall be 03. ooo % of the California workers' compensation premium. Person or Organization ANY PERSON OR ORGANIZATION FOR WHICH THE INSURED HAS AGREED BY WRITTEN CONTRACT EXECUTED PRIOR TO LOSS TO FORHISH TliIS WAIVER. Schedule Job Description This endorsement changes the policy to which it is attached and is effective on the dat� issued unless otherwise stated. (The Information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective Insured Insurance Company DATE OF ISSUE: Policy No. Endorsement No. Premium Countersigned by ___________ _ ST ASSIGN: Page 1 of 1 Policy Number:COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM GENERAL DESCRIPTION OF COVERAGE -This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to the Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general coverage description only. Limitations and exclusions may apply to these coverages. Read all the provisions of this endorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered. A.BROAD FORM NAMED INSURED B.BLANKET ADDITIONAL INSURED C.EMPLOYEE HIRED AUTO D.EMPLOYEES AS INSURED E.SUPPLEMENTARY PAYMENTS -INCREASEDLIMITS F.HIRED AUTO -LIMITED WORLDWIDE COV-ERAGE -INDEMNITY BASIS G.WAIVER OF DEDUCTIBLE -GLASS PROVISIONS A.BROAD FORM NAMED INSURED The following is added to Paragraph A.1., Who IsAn Insured, of SECTION II -COVERED AUTOS LIABILITY COVERAGE: Any organization you newly acquire or form during the policy period over which you maintain50% or more ownership interest and that is notseparately insured for Business Auto Coverage. Coverage under this provision is afforded only until the 18oth day after you acquire or form the organization or the end of the policy period, whichever is earlier. B.BLANKET ADDITIONAL INSURED The following is added to Paragraph c. in A.1.,Who Is An Insured, of SECTION II -COVERED AUTOS LIABILITY COVERAGE: Any person or organization who is required undera written contract or agreement between you andthat person or organization, that is signed andexecuted by you before the "bodily injury" or1'property damage" occurs and that is in effectduring the policy period, to be named as an additional insured is an "insured" for Covered AutosLiability Coverage, but only for damages to which H.HIRED AUTO PHYSICAL DAMAGE -LOSS OFUSE -INCREASED LIMIT I.PHYSICAL DAMAGE -TRANSPORTATIONEXPENSES -INCREASED LIMIT J.PERSONAL PROPERTY K.AIRBAGS L.NOTICE AND KNOWLEDGE OF ACCIDENT ORLOSS M.BLANKET WAIVER OF SUBROGATION N.UNINTENTIONAL ERRORS OR OMISSIONS this insurance applies and only to the extent that person or organization qualifies as an "insured" under the Who Is An Insured provision contained in Section II. C.EMPLOYEE HIRED AUTO 1.The following is added to Paragraph A.1.,Who Is An Insured, of SECTION II -COVERED AUTOS LIABILITY COVERAGE: An "employee" of yours is an "insured" whileoperating an "auto" hired or rented under acontract or agreement in an "employee's"name, with your permission, while performingduties related to the conduct of your business. 2.The following replaces Paragraph b. in B.5.,Other Insurance, of SECTION IV -BUSINESS AUTO CONDITIONS: b.For Hired Auto Physical Damage Coverage, the following are deemed to be covered "autos" you own: (1)Any covered "auto" you lease, hire,rent or borrow; and (2)Any covered "auto" hired or rented byyour "employee" under a contract inan "employee's" name, with your CA T3 53 0215 © 2015 The Travelers Indemnity Company. All rights reseived. Page 1 of 4 Includes copyrighted material of Insurance Services Office, Inc. with its permission. 810-9M363504-24-26-G COMMERCIAL AUTO permIss1on, while performing duties related to the conduct of your busi ness. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". D.EMPLOYEES AS INSURED The following is added to Paragraph A.1., Who IsAn Insured, of SECTION II -COVERED AUTOS LIABILITY COVERAGE: Any "employee" of yours is an "insured" while us ing a covered "auto" you don't own, hire or borrowin your business or your personal affairs. E.SUPPLEMENTARY PAYMENTS -INCREASEDLIMITS 1.The following replaces Paragraph A.2.a.(2), of SECTION II -COVERED AUTOS LIABILITY COVERAGE: (2)Up to $3,000 for cost of bail bonds (in cluding bonds for related traffic law violations) required because of an "accident"we cover. We do not have to furnishthese bonds. 2.The following replaces Paragraph A.2.a.(4), of SECTION II -COVERED AUTOS LIABILITY COVERAGE: (4)All reasonable expenses incurred by the"insured" at our request, including actual loss of earnings up to $500 a day because of time off from work. F.HIRED AUTO -LIMITED WORLDWIDE COVERAGE -INDEMNITY BASIS The following replaces Subparagraph (5) in Paragraph B.7., Policy Period, Coverage Territory,of SECTION IV -BUSINESS AUTO CONDI TIONS: (5)Anywhere in the world, except any country or jurisdiction while any trade sanction, embargo, or similar regulation imposed by the United States of America applies to and prohibits the transaction of business with or within such country or jurisdiction, for Covered Autos Liability Coverage for any covered"auto" that you lease, hire, rent or borrow without a driver for a period of 30 days or lessand that is not an "auto" you lease, hire, rentor borrow from any of your "employees",partners (if you are a partnership), members(if you are a limited liability company) or members of their households. (a)With respect to any claim made or "suit"brought outside the United States ofAmerica, the territories and possessions of the United States of America, Puerto Rico and Canada: (i)You must arrange to defend the "in sured" against, and investigate or settle any such claim or "suit" and keep us advised of all proceedings and actions. (ii)Neither you nor any other involved"insured" will make any settlement without our consent. (iii)We may, at our discretion, participate in defending the "insured" against, orin the settlement of, any Claim or "suit". (iv)We will reimburse the "insured" forsums that the "insured" legally must pay as damages because of "bodilyinjury" or "property damage" to which this insurance applies, that the "insured" pays with our consent, but only up to the limit described in Paragraph C., Limits Of Insurance, ofSECTION II -COVERED AUTOS LIABILITY COVERAGE. (v)We will reimburse the "insured" for the reasonable expenses incurredwith our consent for your investiga tion of such claims and your defenseof the "insured" against any such "suit", but only up to and includedwithin the limit described in Paragraph c., Limits Of Insurance, of SECTION II -COVERED AUTOSLIABILITY COVERAGE, and not inaddition to such limit. Our duty to make such payments ends when wehave used up the applicable limit of insurance in payments for damages,settlements or defense expenses. (b)This insurance is excess over any validand collectible other insurance available to the "insured" whether primary, excess,contingent or on any other basis. (c)This insurance is not a substitute for required or compulsory insurance in anycountry outside the United States, its territories and possessions, Puerto Rico andCanada. Page 2 of 4 © 2015 The Travelers Indemnity Company. All rights reserved. CA T3 53 0215 Includes copyrighted material of Insurance Services Office, Inc. with its permission. You agree to maintain all required or compulsory insurance in any such country up to the minimum limits required by local law. Your failure to comply with compulsory insurance requirements Will not invalidate the coverage afforded by this policy, but we will only be liable to the same extent we would have been liable had you complied with the compulsory insurance requirements. (d)It is understood that we are not an admitted or authorized insurer outside theUnited States of America, its territoriesand possessions, Puerto Rico and Canada. We assume no responsibility for thefurnishing of certificates of insurance, orfor compliance in any way with the lawsof other countries relating to insurance. G.WAIVER OF DEDUCTIBLE -GLASS The following is added to Paragraph D., Deductible, of SECTION Ill -PHYSICAL DAMAGECOVERAGE: No deductible for a covered "auto" will apply toglass damage if the glass is repaired rather thanreplaced. H.HIRED AUTO PHYSICAL DAMAGE -LOSS OFUSE -INCREASED LIMIT The following replaces the last sentence of Paragraph A.4.b., Loss Of Use Expenses, of SECTION Ill -PHYSICAL DAMAGE COVERAGE: However, the most we will pay for any expensesfor loss of use is $65 per day, to a maximum of$750 for any one "accident". I.PHYSICAL DAMAGE -TRANSPORTATIONEXPENSES -INCREASED LIMIT The following replaces the first sentence in Paragraph A.4.a., Transportation Expenses, ofSECTION Ill -PHYSICAL DAMAGE COVERAGE: We will pay up to $50 per day to a maximum of$1,500 for temporary transportation expense incurred by you because of the total theft of a covered "auto" of the private passenger type. J.PERSONAL PROPERTY The following is added to Paragraph A.4., Coverage Extensions, of SECTION Ill -PHYSICALDAMAGE COVERAGE: Personal Property We will pay up to $400 for "loss" to wearing apparel and other personal property which is: (1)Owned by an "insured"; and COMMERCIAL AUTO (2)In or on your covered "auto". This coverage applies only in the event of a total theft of your covered "auto". No deductibles apply to this Personal Property coverage. K.AIRBAGS The following is added to Paragraph B.3., Exclusions, of SECTION Ill -PHYSICAL DAMAGECOVERAGE: Exclusion 3.a. does not apply to "loss" to one ormore airbags in a covered "auto" you own that inflate due to a cause other than a cause of "loss"set forth in Paragraphs A.1.b. and A.1.c., butonly: a.If that "auto" is a covered "auto" for Comprehensive Coverage under this policy; b.The airbags are not covered under any war-ranty; and c.The airbags were not intentionally inflated. We will pay up to a maximum of $1,000 for any one "loss". L.NOTICE AND KNOWLEDGE OF ACCIDENT ORLOSS The following is added to Paragraph A.2.a., ofSECTION IV -BUSINESS AUTO CONDITIONS: Your duty to give us or our authorized representative prompt notice of the "accident" or "loss" applies only when the "accident" or "loss" is knownto: (a)You (if you are an individual); (b)A partner (if you are a partnership); (c)A member (if you are a limited liability company); (d)An executive officer, director or insurancemanager (if you are a corporation or other organization); or (e)Any "employee" authorized by you to give notice of the "accident" or "loss". M.BLANKET WAIVER OF SUBROGATION The following replaces Paragraph A.5., TransferOf Rights Of Recovery Against others To Us,of SECTION IV -BUSINESS AUTO CONDITIONS: 5. Transfer Of Rights Of Recovery AgainstOthers To Us We waive any right of recovery we may haveagainst any person or organization to the extent required of you by a written contractsigned and executed prior to any "accident"or "loss", provided that the "accident" or "loss"arises out of operations contemplated by CA T3 53 02 15 © 2015 The Travelers Indemnity Company. All rights reserved. Page 3 of 4 Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL AUTO such contract. The waiver applies only to the person or organization designated in such contract. N.UNINTENTIONAL ERRORS OR OMISSIONS The following is added to Paragraph B.2., Concealment, Misrepresentation, Or Fraud, ofSECTION IV -BUSINESS AUTO CONDITIONS: The unintentional om1ss1on of, or unintentional error in, any information given by you shall not prejudice your rights under this insurance. How ever this provision does not affect our right to collect additional premium or exercise our right of cancellation or non-renewal. Page 4 of 4 © 2015 The Travelers Indemnity Company. All rights reserved. CA T3 53 0215 Includes copyrighted material of Insurance Services Office, Inc. with its permission.