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COMMERCIAL GENERAL LIABILITY CG 00 68 05 09 RECORDING AND DISTRIBUTION OF MATERIAL OR INFORMATION IN VIOLATION OF LAW EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion g. of Paragraph 2. Exclusions of Sec B. Exclusion p. of Paragraph 2. Exclusions of Sec tion Coverage A Bodily Injury And Proper tion Coverage B Personal And Advertising ty Damage Liability is replaced by the following Injury Liability is replaced by the following 2. Exclusions 2. Exclusions This insurance does not apply to This insurance does not apply to q. Recording And Distribution Of Material p Recording And Distribution Of Material Or Information In Violation Of Law Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to vio late 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law The CAN SPAM Act of 2003 including any amendment of or addition to such law The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accu rate Credit Transaction Act FACTA or Any federal state or local statute ordi nance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and addi tions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmit ting communicating or distribution of material or information. 2 3 4 Personal and advertising injury arising di rectly or indirectly out of any action or omis sion that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law The CAN SPAM Act of 2003 including any amendment of or addition to such law The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accu rate Credit Transaction Act FACTA or Any federal state or local statute ordi nance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and addi tions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmit ting communicating or distribution of material or information. 2 3 4 CG 00 68 05 09 Insurance Services Office Inc. 2008 Page 1 0of 1 m | 2 |
COMMERCIAL GENERAL LIABILITY CG 21041185 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION PRODUCTS COMPLETED OPERATIONS HAZARD This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART. This insurance does not apply to bodily injury or property damage included within the products completed operations hazard. CG 21041185 Copyright Insurance Services Office Inc. 1984 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 2136 03 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION NEW ENTITIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraph 3. of Section Il Who Is An Insured does not apply. CG 2136 0305 ISO Properties Inc. 2004 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21471207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to 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 practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person 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 Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. 2 B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Person al And Advertising Injury Liability This insurance does not apply to Personal and advertising 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 practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. 2 CG 21471207 ISO Properties Inc. 2006 Page 1 of 1 a | 2 |
COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury or damage. b. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treating detoxify ing neutralizing remediating or disposing of or in any way responding to or as sessing the effects of fungi or bacteria by any insured or by any other person or enti ty. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for bodily consump tion. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Personal and advertising injury which would not have taken place in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any in sured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. CG 21671204 ISO Properties Inc. 2003 Page 1 of 1 a | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under the policy is also an insured under a nucle ar energy liability policy issued by Nuclear Energy Liability Insurance Association Mu C. Under any Liability Coverage to bodily injury or property damage resulting from hazard ous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom tual Atomic Energy Liability Underwriters 2 The nuclear material is contained in Nuclear Insurance Association of Canada spent fuel or waste at any time pos or any of their successors or would be an sessed handled used processed stored insured under any such policy but for its transported or disposed of by or on behalf termination upon exhaustion of its limit of li of an insured or ability or 3 The bodily injury or property damage 2 Resulting from the hazardous properties arises out of the furnishing by an insured of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in sured is or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. by the United States of America or any 2 agency thereof with any person or organi zation.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. B. Under any Medical Payments coverage to expenses incurred with respect to bodily inju ry resulting from the hazardous properties of nuclear material and arising out of the opera tion of a nuclear facility by any person or or ganization. C. Under any Liability Coverage to bodily injury or property damage resulting from hazard ous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. 3 IL 00 21 09 08 ISO Properties Inc. 2007 Page 1 of 2 a | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or ex posed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nucle ar facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packag ing waste c Any equipment or device used for the pro cessing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutoni um or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 o | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OPERATIONS COVERED BY A CONSOLIDATED INSURANCE PROGRAM WRAP UP OCIP CCIP This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE COMMERCIAL EXCESS LIABILITY COVERAGE This insurance does not apply to bodily injury or property damage arising out of either your ongoing operations or operations included within the products completed operations hazard at any location or project in which you participate where a Consolidated Insurance Program CIP commonly referred to as an Owner Controlled Insurance Program OCIP Contractor Controlled Insurance Program CCIP or Wrap Up program has been provided by the contractor project manager or owner of the construction project in which you are involved. This exclusion applies whether or not 1 The Consolidated Insurance Program provides coverage identical to that provided by this policy 2 The Consolidated Insurance Program has limits adequate to cover all claims 3 The Consolidated Insurance Program remains in effect or 4 You enroll in the Consolidated Insurance Program. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. AP1007US 05 14 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMBINED POLICY EXCLUSIONS This endorsement modifies insurance provided under the following ALL COVERAGE PARTS The following exclusions are added to this policy ABSOLUTE ASBESTOS LEAD OR SILICA EXCLUSION Injury or damages including any claim or suit arising out of resulting from caused or contributed to by Asbestos Lead or Silica is not covered under this policy nor are any expenses nor any obligation to share damages with or repay anyone else who must pay damages from same in conjunction with occurrences arising or alleged to have arisen out of same including but not limited to any a. e. Bodily injury personal and advertising injury property damage or damages of any type arising out of the inhalation ingestion physical exposure to absorption of or toxic substances of or from Asbestos Lead or Silica in any form or from any goods products or structures containing same or property damage or devaluation of property arising from any form of same or Existence of Asbestos Lead or Silica in any form in occupancy or construction or the manufacture sale transportation handling storage disposal or removal of same or goods or products containing same or Loss cost expense fines andor penalties arising out of any 1 request demand order governmental authority or directive or that of any private party or citizen action 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 Lead or Silica or 2 any litigation or administrative procedure in which any insured or others may be involved as a party in response to the effects or alleged effects of Asbestos Lead or Silica or Supervision instructions recommendations requests warnings or advice given or which should have been given as well as any costs including but not limited to abatement mitigation removal containment treatment detoxification neutralization or disposal of same or in any way responding to or assessing the effects of same or Actual or alleged Asbestosis Lead poisoning Silicosis or any other similar condition. This exclusion applies regardless of whether a. Injury or damage claimed is included within the products completed operations hazard of the policy or An alleged cause for the injury or damage is the insured s negligent hiring placement training supervision retention act error or omission. CLAIMS IN PROGRESS EXCLUSION a. This policy does not apply to bodily injury personal and advertising injury or property damage which begins or takes place before the inception date of coverage whether such bodily injury personal and advertising injury or property damage is known to an insured even though the nature and extent of such damage or injury may change and even though the damage may be continuous progressive cumulative changing or evolving and even though the occurrence causing such bodily injury personal and advertising injury or property damage may be or may involve a continuous or repeated exposure to substantially the same general harm. AP2029US 12 10 Page 1 of 2 | 2 |
All property damage to units of or within a single project or development and arising from the same general type of harm shall be deemed to occur at the time of damage to the first such unit even though the existence nature and extent of such damage or injury may change and even though the occurrence causing such property damage may be or involve a continuous or repeated exposure to substantially the same general harm which also continues or takes place in the case of repeated exposure to substantially the same general harm during the policy term. DISCRIMINATION EXCLUSION Discrimination charges of any kind actual and alleged are not covered under this policy nor are any expenses or obligation to share damages with or repay another who must pay damages from same. DAMAGES LIMITATION Damages mean a monetary judgment award or settlement. Damages do not include a. b. c. d. e. Civil or criminal fines sanctions or penalties whether imposed pursuant to statute or otherwise or Judgments or awards arising from acts or omissions deemed uninsurable by law or The restitution of consideration or expense paid to you for professional services rendered or which should have been rendered or Disputed fees or any actual or alleged personal profit or advantage to which you are not legally entitled or Equitable or non pecuniary relief. DUTY TO DEFEND EXCLUSION Where there is no coverage under this policy there is no duty to defend. PROFESSIONAL LIABILITY EXCLUSION Professional liability malpractice errors omissions or acts of any type including rendering or failure to render any type of professional service is not covered under this policy nor are any expenses nor any obligation to share damages with or repay anyone else who must pay damages from same unless such coverage is specifically endorsed onto this policy. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. AP2029US 12 10 Page 2 of 2 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION CROSS SUITS This endorsement modifies insurance provided under the following ALL COVERAGE PARTS This insurance does not apply to bodily injury property damage or personal and advertising injury or any other claim for damages brought by any insured covered by this policy against any other insured that has an ownership interest in is operated controlled or managed by or is a parent subsidiary or affiliate of any such insured. This exclusion does not apply to any additional insured added to this policy by endorsement if such additional insured is 1. specifically named in the Schedule of such endorsement or 2. anindemnitee in a written contract or written agreement between any Named Insured and any additional insured signed before the date of the first occurrence or first offense and requiring the Named Insured to add such indemnitee as an additional insured Provided such additional insured a. is not a parent subsidiary or affiliate of the Named insured b. does not have any ownership interest in the Named insured c. is not owned operated controlled or managed by the Named insured. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. AP2031US 04 11 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INJURY TO INDEPENDENT CONTRACTORS AND SUBCONTRACTORS EXCLUSION This endorsement modifies insurance provided under the following ALL COVERAGE PARTS This insurance does not apply to bodily injury personal and advertising injury or property damage sustained by any of your independent contractors subcontractors or any employee leased worker temporary worker or volunteer help of same. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. AP2034US 11 06 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ABSOLUTE POLLUTION AND POLLUTION RELATED LIABILITY EXCLUSION This endorsement modifies insurance provided under the following ALL COVERAGE PARTS The following exclusion is added to this policy. If the policy already includes a pollution exclusion or a pollution related exclusion such exclusions isare deleted and replaced with the following Pollution environmental impairment contamination is not covered under this policy nor are any expenses nor any obligation to share damages with or repay anyone else who must pay damages from same in conjunction with occurrences arising out of or alleged to have arisen out of same. All liability and expense arising out of or related to any form of pollution whether intentional or otherwise and whether or not any resulting injury damage devaluation cost or expense is expected by any insured or any other person or entity is excluded throughout this policy. This insurance does not apply to any damages claim or suit arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants including but not limited to any a. Bodily injury personal and advertising injury property damage or damages for the devaluation of property or for taking use or acquisition or interference with the rights of others in or on property or air space or any other type injury or expense or b. Any loss cost expense fines andor penalties arising out of any 1 request demand order governmental authority or directive or that of any private party or citizen action that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess same the effects of pollutants environmental impairments contaminants or 2 any litigation or administrative procedure in which any insured or others may be involved as a party as a result of actual alleged or threatened discharge dispersal seepage migration release escape or placement of pollutants environmental impairments or contaminants into or upon land premises buildings the atmosphere any water course body of water aquifer or ground water whether sudden accidental or gradual in nature or not and regardless of when. This exclusion applies regardless of whether a. Injury or damage claimed is included within the products completed operations hazard of the policy or b. An alleged cause for the injury or damage is the insured s negligent hiring placement training supervision retention act error or omission. AP2036US 11 05 Page 1 of 2 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. The following definition is added to the policy. If the policy already includes a definition of pollutants such definition is deleted and replaced with the following Pollutants mean any solid liquid gaseous fuel lubricant thermal acoustic electrical or magnetic irritant or contaminant including but not limited to smoke vapor soot fumes fibers radiation acid alkalis petroleums chemicals or waste. Waste includes medical waste biological infectants and all other materials to be disposed of recycled stored reconditioned or reclaimed. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. AP2036US 11 05 Page 2 of 2 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION PUNITIVE DAMAGES This endorsement modifies insurance provided under the following ALL COVERAGE PARTS COMBINED POLICY EXCLUSIONS DAMAGES LIMITATION EXCLUSION is deleted in its entirety and replaced with the following Damages mean a monetary judgment award or settlement. Damages do not include i f. Civil or criminal fines sanctions or penalties whether imposed pursuant to statute or otherwise or Judgments or awards arising from acts or omissions deemed uninsurable by law or The restitution of consideration or expense paid to you for professional services rendered or which should have been rendered or Disputed fees or any actual or alleged personal profit or advantage to which you are not legally entitled or Punitive or exemplary damages and the multiplied portion of multiplied damages or Equitable or non pecuniary relief. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED AP2111US 11 05 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FIDUCIARY EXCLUSION This endorsement modifies insurance provided under the following ALL COVERAGE PARTS This policy does not apply to any claim arising out of the Coercion conversion or misappropriation of others funds or property 2. Any dishonest fraudulent criminal malicious acts or omissions of the insured partner or employee or any person for whom you are legally responsible or 3. Any activities or operations performed in the capacity of a fiduciary. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. GC2131US 04 03 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION PRIOR WORK This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE SECTION V DEFINITIONS is amended as follows The definition of products completed operations hazard is deleted and replaced with the following Products completed operations hazard a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1. 2. Products that are still in your physical possession or Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following time a. When all of the work called for in your contract has been completed b. When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site c. When that part of the work done at the job site has been put to its intended use by any person or organization d. The date the first notice of completion was filed on the first unit within a job site or e. The date escrow closed or title transferred on the first unit within a job site. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage rising out of 1. The transportation of property unless the injury or damage arises out of a condition in or on a vehicle owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured The existence of tools uninstalled equipment or abandoned or unused materials or Products or operations for which the classification listed in the Declarations or in a policy schedule states that products completed operations are subject to the General Aggregate Limit. For purposes of this endorsement the following exclusions apply 1. This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of your work performed a. prior to the inception date of the policy period stated on the Declarations page of this policy or the inception date of the first policy of this type issued by the Company provided that the Company has written continuous coverage for the Named Insured from such date to the inception date of this policy or after the expiration of the policy period. MC2142US 02 05 Page 1 of 2 | 2 |
2. This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of your product that was manufactured sold handled distributed furnished or disposed of by a. You b. Others trading under your name or c. Any person whose business or assets you have acquired prior to the inception date of the policy period stated on the Declarations page of this policy or the inception date of the first policy of this type issued by the Company provided that the Company has written continuous coverage for the Named Insured from such date to the inception date of this policy or after the expiration of the policy period. 3. This insurance does not apply to your work or your product abandoned a. prior to the inception date of the policy period stated on the Declarations page of this policy or the inception date of the first policy of this type issued by the Company provided that the Company has written continuous coverage for the Named Insured from such date to the inception date of this policy whichever is earlier or b. after the expiration of the policy period. 4. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2. Exclusion I. Damage To Your Work is deleted and replaced with the following I. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. MC2142US 02 05 Page 2 of 2 | 2 |
THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. REJECTION OF COVERAGE FOR CERTIFIED ACTS OF TERRORISM COVERAGE PURSUANT TO TERRORISM RISK INSURANCE ACT SCHEDULE THE INSURED WAS OFFERED AND HAS DECLINED TERRORISM COVERAGE ON THIS POLICY THE INSURED WAS OFFERED AND HAS DECLINED TERRORISM COVERAGE ON THIS POLICY THE INSURED WAS OFFERED AND HAS DECLINED TERRORISM COVERAGE ON THIS POLICY In accordance with the federal Terrorism Risk Insurance Act this notice confirms that you were offered and have rejected coverage for terrorist acts certified under that Act. AP5027R 01 15 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM AND EXCLUSION OF OTHER ACTS OF TERRORISM COMMITTED OUTSIDE THE UNITED STATES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added This insurance does not apply to TERRORISM Any injury or damage arising directly or indirect ly out of a certified act of terrorism or out of an other act of terrorism that is committed outside of lts i N diati the United States including its territories and pos reg y results in nuclear re.acton or radiation o sessions and Puerto Rico but within the cover radioactive contamination or age territory. However with respect to an other 4. The terrorism is carried out by means of the act of terrorism this exclusion applies only when dispersal or application of pathogenic or poi one or more of the following are attributed to such sonous biological or chemical materials or act 5. b. Protracted and obvious physical disfigure ment or c. Protracted loss of or impairment of the function of a bodily member or organ or 3. The terrorism involves the use release o escape of nuclear materials or directly or indi 1. The total of insured damage to all types of property exceeds 25 million valued in US dol lars. In determining whether the 25 million. Pathogenic or poisonous biological or chemica materials are released and it appears that one purpose of the terrorism was to release suct materials. threshold is exceeded we will include all in sured damage sustained by property of all per sons and entities affected by the terrorism and business interruption losses sustained by own ers or occupants of the damaged property. For With respect to this exclusion Paragraphs 1. anc 2. describe the thresholds used to measure the magnitude of an incident of an other act of terror ism and the circumstances in which the thresholc will apply for the purpose of determining whethe the purpose of this provision insured damage PRy purp 9 p this exclusion will apply to that incident. means damage that is covered by any insur K L ance plus damage that would be covered by B. The following definitions are added any insurance but for the application of any ter rorism exclusions or. Fifty or more persons sustain death or serious physical injury. For the purposes of this provi sion serious physical injury means a. Physical injury that involves a substantial risk of death or 1. For the purposes of this endorsement an injury or damage means any injury or damage covered under any Coverage Part to which thi endorsement is applicable and includes but i not limited to bodily injury property dam age personal and advertising injury injury or environmental damage as may be definec in any applicable Coverage Part. b. Protracted and obvious physical disfigure ment or c. Protracted loss of or impairment of the function of a bodily member or organ or 3. The terrorism involves the use release or escape of nuclear materials or directly or indi rectly results in nuclear reaction or radiation or radioactive contamination or 4. The terrorism is carried out by means of the dispersal or application of pathogenic or poi sonous biological or chemical materials or 5. Pathogenic or poisonous biological or chemical materials are released and it appears that one purpose of the terrorism was to release such materials. With respect to this exclusion Paragraphs 1. and 2. describe the thresholds used to measure the magnitude of an incident of an other act of terror ism and the circumstances in which the threshold will apply for the purpose of determining whether this exclusion will apply to that incident. B. The following definitions are added 1. For the purposes of this endorsement any injury or damage means any injury or damage covered under any Coverage Part to which this endorsement is applicable and includes but is not limited to bodily injury property dam age personal and advertising injury injury or environmental damage as may be defined in any applicable Coverage Part. CG 21750115 Insurance Services Office Inc. 2015 Page 1 of 2 m | 2 |
2. Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the fol lowing a. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terror ism Risk Insurance Act b. The act resulted in damage 1 Within the United States including its territories and possessions and Puerto Rico or 2 Outside of the United States in the case of a An air carrier as defined in Section 40102 of title 49 United States Code or United States flag vessel or a vessel based principally in the United States on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States re gardless of where the loss occurs or The premises of any United States mission and b c. The act is a violent act or an act that is dangerous to human life property or infra structure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the con duct of the United States Government by coercion. 3. Other act of terrorism means a violent act or an act that is dangerous to human life property or infrastructure that is committed by an indi vidual or individuals and that appears to be part of an effort to coerce a civilian population or to influence the policy or affect the conduct of any government by coercion and the act is not a certified act of terrorism. Multiple incidents of an other act of terrorism which occur within a seventy two hour period and appear to be carried out in concert or to have a related purpose or common leadership shall be considered to be one incident. C. The terms and limitations of any terrorism exclu sion or the inapplicability or omission of a terror ism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. Page 2 of 2 Insurance Services Office Inc. 2015 CG 21750115 o | 2 |
JAMES RIVER INSURANCE COMPANY Privacy Policy We do not sell customer information to nonaffiliated third parties and we do not share customer information with nonaffiliated third parties except those parties who perform contractual services for us and parties to which we are authorized to provide information by law. In addition when we provide information to affiliates or non affiliates we limit those disclosures to information about your transactions and experiences with us and to disclosures otherwise permitted by law. You do not need to take any action to prevent us from selling or sharing information we obtain about you. We use security measures and training in our effort to protect the customer information we collect. We protect the information we obtain about you by maintaining physical electronic and procedural safeguards. We collect the following types of information about you when you purchase or use our products and services. Most of the information that we obtain about you comes directly from you such as through the insurance applications you submit when requesting insurance products. These applications and other inquiries we make of you allow us to learn information that we may use to contact you in the future such as your name address telephone number and e mail address. In addition insurance applications and other information you provide enables us to determine the type and value of your insured property the types of insurance coverages you have or in which you might be interested and similar information. If you visit an Internet site that we maintain we might request or obtain information that will enable us to identify you as a registered user such as your name a user identification name a password password reminders and your Internet service provider. We might use a cookie to retain some of this information. We also might obtain information about your operating system web browser and similar information to enable us to improve the operation of our site. When we consider products and services in which you may be interested we often review information that we have about your past transactions with us or our affiliates such as your existing or former policy coverages premiums and payment history. In addition we may learn information about your transactions with nonaffiliated third parties including the types of products or services you obtained from them and your experiences with them. Finally we may obtain other information from third parties that has a bearing upon your eligibility for the products or services you seek from us. This information may include your credit report or information about your creditworthiness or other information maintained by consumer reporting agencies. We provide customer information only to our affiliates and to nonaf customer information. ates that must protect your We also may provide information as mentioned in this notice to nonaffiliated third parties that perform services for us or perform functions on our behalf such as marketing and research or to other financial institutions with which we have joint agreements for activities such as marketing. By law our contracts with these parties must prevent them from using the information they receive about you except as described in this notice. Finally we may share customer information as permitted by applicable law. This means that we will share information with parties as necessary to affect administer or enforce transactions that you request. For example we might provide information to a company that processes prints and mails our insurance policies to you or to a company that adjusts claims under your policies. We also might disclose customer information to other entities specified by law such as insurance advisory organizations our attorneys and accountants consumer reporting agencies or civil and regulatory authorities. Federal law sets the limitations on these types of disclosures. We strive to keep our records as accurate as possible. We attempt to maintain accurate records about you and we will gladly make appropriate corrections when you notify us. Of course we do not control the accuracy of information gathered and provided by third parties and you may need to notify third parties directly if you believe that any information we received from them is inaccurate. You may request the name and address of any consumer reporting agency from which we obtain a report on you. You then may contact that consumer reporting agency to request a copy of the report it makes or to advise of any changes to the information they maintain and report. We will provide one copy of this Privacy Policy to joint contract holders. Please share this information with everyone covered under your policy or contract. AP0100US 04 03 Page 1 of 1 | 2 |
INSURANCE COMMERCIAL GENERAL LIABILITY DECLARATIONS OCCURRENCE Issued By Liberty Mutual Fire Insurance Co. Policy Number TB2 641 444819 047 Issuing Office OVERLAND PARK New Issue Date Sy Account Number 4 444819 Sub Account 000 VAN Named Insured and Mailing Address PP J.E. Dunn Construction Company and J.E. Dunn Construction VAR Group Inc. A N See Endorsement LCS 00 04 10 14 Vs 1001 Locust Street yavd Kansas City MO 64106 y SIS 7 Form of Business Corporation oS Policy Period The policy period is from 02012017 to 03312023 121M sMard time at the Insured s mailing address. In retum for the payment of the premium and subject aII the terms of this pollcyqyagree with you to provide the insurance as stated in this policy. LMITS opsuhmc i. 3000000 500000 Anyone premises 10000 Anyone person Each Occurrence Limit Damage to Premises Rented to You Limit. Medical Expense Limit Personal Advertising Injury Limit PR 3000000 General Aggregate Limit I 6000000 Products Completed Operations Aggegale yimit L 6000000. seHEpuLES The declarations are completed onthe anym Declarations Extension Schedules. Commercial General Liability Coverage Panvemnm 1792498 Endorsement Premium e 63000 Total Estimated Premium 7 1855498 Other Charges Policywriting Minimu remun 1000 I Forms Applicable See Auashgd lnvnQy LOCKTON 0002004710 LOCKTON COMPANIES LLC 444 W 47TH ST STE 900 KANSAS CITYMO 641121906 Producer SMITH D 8936 OVERLAND PARK g Address mpany and J.E. Dunn Construction 0410 14 ration 2012 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. LC 000408 12 Page 1 of 1 | 2 |
DECLARATIONS EXTENSION SCHEDULE CLASSIFICATIONDESCRIPTIONS Policy Number TB2 641 444819 047 Class Code 15250 Description Contracting Medium 2012 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Senvices Office Inc. with its permission. LCS 00 0105 12 Page 1 of 1 | 2 |
DECLARATIONS EXTENSION SCHEDULE COMPOSITE RATED COVERAGES Policy Number TB2 641 444819 047 Description Premium Basis Premium Premium Basis 1e Named Insured Construction Volume 4500000000 Rates Premium Per 1000 059 1755000 AN N g 37500 S L S 792500 All Operations of the Named Insured Oversight Fee TOTAL 2012 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Senvices Office Inc. with its permission. LCS 000205 12 Page 1 of 1 | 2 |
DECLARATIONS EXTENSION SCHEDULE MISCELLANEOUS CHARGES Policy Number TB2 641 444819 047 Premium Basis TRIA Flat Charge Minimum and Flat charge 63000 Charges 63000 Premium Basis Flat Charge Flatcharge 63000 LANEOUS CHARGES Rates Charges i 63000 SN S an N y TOTAL MISCELLANEOUS CHARGES 2012 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Senvices Office Inc. with its permission. LCS 00 03 05 12 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY DECLARATIONS EXTENSION SCHEDULE NAMED INSURED Policy Number TB2 641 444819 047 Itis agreed that the following are Named Insureds under this coverage part Estes Dumn Il a joint venture L N J.E. Dunn Construction Company and J.E. Dunn Construction Group Inc. et al N 2014 Liberty Mutual Insurance Includes copyrighted material of Insurance Senvices Office Inc. withits permission. LCS 00041014 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. Inventory Coverage Forms Parts Endorsements Enclosures COVERAGE FORMS PARTS ENDORSEMENTS AND ENCLOSURES FORMING A PRT THIS POLICYAT INCEPTION Form Number Edition Date Title Ve COMMON POLICY FORMS N N LIL 90 04 06 13 ANNUAL MEETING NOTICE J LC 00040812 COMMERCIAL GENERAL LIABIL bECA d LCS 000105 12 DECLARATIONS EXTENSION s 6E FICATION DESCRIPTIONS LCS 000205 12 DECLARATIONS EXTENSION scqsnum LCS 00 03 05 12 DECLARATIONS EXTENSION SCHEQULE MISCELLANEOUS CHARGES LCS 000410 14 COMMERCIAL GENERAL LIABILITY DEU orQ EXTENSION SCHEDULE NAMER INSUREDS IC 00420709 Inventory Coverage F JrmslPansElidsssqnems Ehskufes IC0017 11 93 Countersignature Endgrsemest... 7 1C0018 04 92 Countersignature Endofsemelt St 100024 05 99 Countersignature Endorsment L0017 1198 Common PollcyCondltlons IL 02740213 MISSqJRI L HANGEq CANCEQLA N AND NONRENEWAL Vi J Ve 4. P COMMERCIAL GENERAL LIABIL1Y W 7 CG 00010413 CDMMESJAL GENERAL LIABILITY COVERAGE FORM Named Insured. SN W LC 99400213 7 BROAO NAMED INSURED MAJORITY INTEREST LD 99 66 06 12 Broad Fory Named Insured Endorsement Deductible. N4 LC 03 07 06 05 Qeducble Damages and Supplemertary Payments 7 Composite Rate A LC 99121013 Composite Rate Endorsement Coverage Endorsements CG02241093 Earlier Notice of Cancellation Provided By Us CG04370514 ELECTRONIC DATA LIABILITY CG20010413 PRIMARY AND NONCONTRIBUTORY OTHER INSURANCE CONDITION Edition Date LICY FORMS Title a ate Earlier Notice of Cancellation Provided By Us ELECTRONIC DATA LIABILITY PRIMARY AND NONCONTRIBUTORY OTHER INSURANCE CONDITION IC 00 42 07 09 2008 Liberty Mutual Group of Companies. All rights reserved. Page 1 of 3 | 2 |
Form Number Edition Date CG 24040509 CG24140413 LC 04010605 LC 040406 05 LC 22020809 LC 2406 06 07 LC 25130808 LC 2902 06 07 LC 290408 08 LC 2906 08 08 LC29081011 LC29091011 LC99010213 LC 99020213 LC 99030213 LC 99 27 08 09 LC 99280809 LC99360213 LD 02030511 LC 04020605 LC0423 LC25190115 LIM99 0105 11 LC25091013 CG04401103 CG04410311 CG04421103 CG04441103 Additional Insureds CG20120413 CG20260413 CG20320413 CG20340413 CG201007 04 CG20370704 TRIA Exclusions CG21700115 s. oVD. Title WANER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TOUS WANER OF GOVERNMENTAL IMMUNITY Reasonable Force Bodily Injury to Co Employees Coverage Sy JOINT DEFENSE ENDORSEMENT v Damage to Your Work Amendment Non Cumulation of Liability Same Occurence Insured Contract Redefined Personal and Advertising Injury Definition oi Pgsf canon. Personal and Advertising Injury OCCLITCE Redefined N b Advertisement Redefined BODILY INJURY REDEFINED NOTICE OF OCCURRENCE OFFEN OR KNOWLEDGE OF OCCURRENGE OROEENS UNINTENTIONAL FAILURE TO DISk OSE Property Damage Occurrence Endorsnent JOINT AND SEVERAL AMENDMENT N PREMIUM RESPONserYEmengMENT N Cancellation Endorse nt Desgnaed Govertment Entity Professional Health Care SeNces biErralo yge overage Wrap Up Insurance Prog ndment of Coverage Designated Construction Peds or Eesugnated Location Combined Aggre I Irm With Tetal Aggregate Limit For All Projects and jons N Ncmcgbf Caficelion o Third Palties Amghdmeht leys of Mdesiated Project or Premises Stop rrpnyers Lial lquGerage Endorsement North Dakota Stop. Gap BfployTs Liability Coverage Endorsemet Ohio Stop GQR EmpIOers Liability Coverage Endorsement Washington e SWP BLbllnycaverage Endorsement Wyoming TN v Addmot State or Govemmental Agency or Subdivision Or Political N Sl.bdlslovi Permits or Authorizations ADDFIIONA ISURED DESIGNATED PERSON OR ORGANIZATION S ADI INSURED ENGINEERS ARCHITECTS OR SURVEYORS NC T ENGAGED BY THE NAMED INSURED AbD.QrQAL INSURED LESSOR OF LEASED EQUIPMENT AUTOMATIC TUS WHEN REQUIRED IN LEASE AGREEMENT WITH YOU Additional Insured Owners Lessees or Contractors Scheduled Person or Organization Additional Insured Owners Lessees or Contractors Completed Operations CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM IC 0042 07 09 2008 Liberty Mutual Group of Companies. All rights reserved. Page 2 of 3 | 2 |
Form Number Edition Date Title CG21760115 CG26860115 CG26930115 Other Exclusions CG21471207 CG21651204 CG21671204 CG22800413 IL 00 2109 08 LC 21010605 LC 21020605 LC 210406 05 LC 2105 06 07 LC 21060607 CG210906 15 State Mandatory CG 26250405 CG26500413 NOTICES TO POLICYHOLDER SNI09 02 06 16 SNI4202 04 15 SNI90 010512 SNI90020115 EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM ARKANSAS EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM ALASKA EXCLUSION OF PUNITIVE DAMAGES REI AIED TOA CERTIFIED ACT OF TERRORISM Vi 2B Sl N Employment Related Practices Exclusion VAN Total Pollution Exclusion With a Building ung Cooling andthMyl Equipment Exception and a HostilgFi Excepnon Fungi or Bacteria Exclusion LIMITED EXCLUSION CONTRA PRQFESDNAL LIABILITY Nuclear Energy Liability EIusnpf Endoseyt foad Form Asbestos Exclusion Endorsement Silica Exclusion Endorsement Discrimination Exclusi Aircraft Products EXclysioi.. 7 Lead Exclusion Exclusion LhrnamedaelrcraQ 7 7 Missouri Cf Guaramyssoctanon MissourjChanges frvfd cal Paymems 4 g i LS 7 Risk Cahkql SeMtqs Important Information for Florida Policyholders 1E NO ATION OF THE AVAILABILITY OF LOSS RMATDN SERVICES lQ HO ER NOTCE COMPANY CONTACT INFORMATION K INSURANCE ACT A N TE SO IC 00 42 07 09 2008 Liberty Mutual Group of Companies. All rights reserved. Page 3 of 3 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Countersignature Endorsement il This endorsement is effective at the inception of the policy and attaches to and forms pan Qths policy. Type of Insurance tate 2R NN Commercial General Liability Coverage n ssissippi N S v. 7 Signed by Countersigning Agent Page 1 of 1 1C0017 1193 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Countersignature Endorsement Sy V. This endorsement is effective at the inception of the policy and attaches to and forms apartf this policy. s 7 N Type of Insurance Ehtg i... Commercial General Liability Coverage Florida s S. Y fwm V T s NN S s v NS 5 SN N N S NS f Va L A. oo N TN AN N 4.. N. P NN N v AN J SN G Signed by Countersigning Agent Page 1 of 1C0018 04 92 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Countersignature Endorsement Sy v This endorsement is effective at the inception of the policy and attaches to and forms Apart f this policy. N Type of Insurance N g N Commercial General Liability Coverage RN 2 NN s NS 4. MN Signed by Countersigning Agent Page 1 of 1 1C0024 05 99 | 2 |
Common Policy Conditions All Coverage Parts included in this policy are subject to the following conditions A CANCELLATION 1. The First Named Insured shown in the Declarations may cancel this policy by mhnger delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or delivering to the first Named Insu wmennonce of cancellation at least a. 10 days before the effective date of cancellation if we cancel for noipayent of pismmml. RN i b. 30 days before the effective date of cancellation if we cancel fpf anyother reason.. J 3. We will mail or deliver our notice to the first Named Insured s iling dress known to us. 4. Notice of cancellation will state the effective date of cancela.mn hegohcypenod will end on that date. 5. If this policy is canceled we will send the first Named Insured any um fund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may betess thanps rata. The cancellation will be effective even if we have not made or offered a refmd 6. If notice is mailed proof of mailing will be sulem pofuf nouce CHANGES N v This policy contains all the agreements between you and uscpncemnAw insurance afforded. The first Named Insured shown in the Declarations is authopid tomake changes in the terms of this policy with our consent. This policy s terms can be amended or walvegfonly by endarsement bsued us and made a part of this policy. N EXAMINATION OF YOUR BOKS s axp REOD We may examine and audit yourQ.oks a reords as they relae this policy at any time during the policy period and up to three years afterward. INSPECTIONS AND SURVEY a. Make insp clinzsl and surveys hqny thme l b. Give you reponsoKcondmols we find and. Recommend chales 2. Weare not obligated to make any mxfaecuons surveys reports or recommendations and any such actions we do undertake relate only to msumblly and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions 1. We have the right a. Are safe or healthful or Copyright Insurance Services Office Inc. 1998 Page 1 of 2 IL00 171198 11 98 | 2 |
b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes insurance inspections surveys reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommendations we may make relative to certification under state or municipal statutes ordinances or regulations of boilers pressure vessels or elevators y E. PREMIUMS 4 7 The first Named Insured shown in the Declarations PN. 1. Is responsible for the payment of all premiums and 7N y SOy 2. Will be the payee for any return premiums we pay. Y Ny S F. TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THSOACY Your rights and duties under this policy may not be transferred vfzithombukyttv wnsem except in the case of death of an individual named insured. N. If you die your rights and duties will be transferred to your legal representative but while acting within the scope of duties as your legal representative. Until your legal rgmgxativc is appointed anyonp having proper temporary custody of your property will have your rights and dies but Giity with respect tothat pfoperty.. T SONTT s red shown in the Declarations le for the payment of all premiums and ayee for any return premiums we pay. Ve K VA Page 2 of 2 IL00 17 1198 11 98 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART S COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART 5 CRIME AND FIDELITY COVERAGE PART j EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PAR I EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART s J PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE l A. When this endorsement is attached to the Stan dard Property Policy CP 00 99 the term Commer cial Property Coverage Part in this endorsementy also refers to the Standard Property Policy. B. Withrespectto the Commercial General Liability Coverage Part Commercial Property Legal Liability Form CP 00 40 e Commercial Property Mongagezglders Ers And Omissions Coverage Form CP Crime And Fidelity Coverage Pan Errploymem veiated Practices Lblhy Saderqger Equprnert Breakdown Covelaggfarl. Farm Liability Coverage Bofm Liquor Liability Coverage Past B Pollution Liability rag Part Productleomple tions LabIMCoverage Medlcal Professwnalllahgly Covage Part the following Cancellanon arq Nonren wval Pro visions apply s 1. Paragraph 2. of the Cancelldo n Common Policy Condition is replaced by the following 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation stating the actual reason for cancellation at least a. 10 days before the effective date of cancel Iatjon if we cancel for nonpayment of pre mium b. 30 daySbefore the effective date of cance lanon if canfanon is for one or more of g reasons 1ram or material misrepresentation a ng this policy or a claim filed un der this policy or a violation of any of the 1 terms or conditions of this policy 2 Changes in conditions after the effective date of this policy which have materially increased the risk assumed Jum 3 We become insolvent or 4 We involuntarily lose reinsurance for this policy. c. 60 days before the effective date of cancel lation if we cancel for any other reason. NONRENEWAL 2. The following is added and supersedes any provision to the contrary a. We may elect not to renew this policy by mailing or delivering to the first Named In sured at the last mailing address known to us written notice of nonrenewal stating the actual reason for nonrenewal at least 60 days prior to the effective date of the non renewal. b. F notice is mailed proof of mailing will be sufficient proof of notice.. NADT T IL02740213 Insurance Senvices Office Inc. 2012 Page 1 of 2 | 2 |
3 We become insolvent or 4 We involuntarily lose reinsurance for this policy c. 60 days before the effective date of cancellation if we cancel for any other reason. Nonrenewal The following is added and supersedes any provision to the contrary a. We may elect not to renew this policy by mailing or delivering to the first Named Insured at the last mailing address known to us written notice of nonrenewal stating the actual reason for nonrenewal at least 60 days prior to the effective date of the nonrenewal. b. I notice is mailed proof of mailing will be sufficient proof of notice. C. With respectto the Capital Assets Program Output Policy Coverage Part Commercial Inland Marine Coverage Part Commercial Property Coverage Part Famm Property Other Farm Provisions Form Additional Coverages Coverage Form Farm Livestock Coverage Form TN Farm Mobile Agricultural Ma ry Al Equipment Coverage Form SN Paragraphs 1. 2. 3. 4. a 6 of ne feny Cancellation Common Policy Caidition Jare replaced by the following N Cancellation Nonrenewal AndBq reases In Coverage 1. The first Named Jsired hswn Declarations may gincel pollcyb or delivering to bce of cancellation. 2. We may cancgl norrepew reduce a or adversely miodjfy this Ole r or delivering to the Na en notice of this action at Ieast a. 10 days before the eeqwe dp of this action if due to nonpayment of premium or evidence of incendiarism or b. 30 days before the effective date of this action if for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. N7 Conditons Definiions e 4. Notice of a. Cancellation will state the effective date of cancellation. The policy period will end on that date. b. Any other action will state the effective date of that action. 6. If notice is d Yproof of mailing will be sufficient proof6f D. With respect toall lercge Parts addressed in this endorsnem ragraph 5. of the Cancellati on Eollcy Condition is replaced helb 5. I this bo is cancelleweferd the first Naned hsured any premitm due. The canceffanon will be effective n if we have not roffered a refund. The following prgvisiol goem calculation of retum prmk.p. we. We wiltcompute retum premium pro rata rot to the next higher whole dollar this paticy i 1 Cal ledbi usoratourequest elled because you no longer have a finapcial or insurable interest in the or business operation that is the subject of this insurance Cancelled but rewritten with us or in our ccompany group or 4 Cancelled after the first year if it is a prepaid policy written for a term of more than one year. b. When this policy is cancelled at the request of the first Named Insured except when Paragraph a.2 a.3 or a.4 applies we will retum 90 of the pro rata uneamed premium or 75 of the pro rata uneamed premium for the Equipment Breakdown Coverage Part rounded to the next higher whole dollar. However when such cancellation takes place during the first year of a multiyear prepaid policy we will return the ful annual premium for the subsequent years. The refund will be less than 90 of the pro rata uneamed premium or less than 75 of the pro rata uneamed premium for the Equipment Breakdown Coverage Part if the refund of such amount would reduce the premium retained by us to an amount less than the minimum premium for this policy. Insurance Services Office Inc. 2012 Page 2 of 2 IL02740213 | 2 |
COMMERCIAL GENERAL LIABILITY CG 00010413 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 shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section I Who s An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERT DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured N becomes legally obligated to pay as dan S because of bodily injury or propertydamageX to which this insurance applies. We willhave the right and duty to defend the ifuredagajnst any suit seeking those damages. Howe against any suit seeking damages injury or property damage fo which his insurance does not apply. We ay at discretion investigate amyoccurrerce a settle any claim or syit that may resyit. Bilts 1 The amount i pay for dai geSIQ limited as degtril in Sectiol Litgits Of I A Insurance Our right andduty Yo defend ends when we have used Up the applicabl lighit of insurance in the ent of jddgments or settlements under rages Asor B or medical expenses under rage C. No other obligation or liability to pay sums or perform acts or senices is covered unless explicitly provided for under Supplementary Payments Coverages Aand B. 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 inthe coverage territory O PR we wil have ro duy to dg nd herlm ig deemed to have been known to have occurred 2 The bodily jfjuryy or property damage occurs during the Policy period and 3 Prior to ti policy period no insured listed under Paragraph 1 of Section Il Who Is An Inslred no employee authorized by you 16 givesor reteiye notice of an ogquitefice or clair knew that the bodily iAury or property daimage had occurred An le or in part. If such alifed insured or aythorizegr. employee knew prior to the pblicy periog that the bodily injuy o yd Tpropefty damage occurred then any.. contifuatigh change or resumption of such bodily ifjury or property damage during fter the. policy period will be deemed to havebgen ki priortothe policy period. e Bodily injuiyt oy property damage which ocElJrSdulrg policy period and was not S.prior to the jpolicy period known to have oEcured. by Ay insured listed under Paragraph I. Section 1l Who Is An Insured or any epiployee authorized by you to give or receive tice of an occurence or claim includes any continuation change or resumption of that e ily injury or property damage after the of the policy period. 3.Bodiy injury or property damage will be at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurence or claim 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. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resuiting at any time from the bodily injury. Insurance Senvices Office Inc. 2012 CG 00010413 Page 1 of 16 | 0 |
2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a 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 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequert to the execution of the contract or agreement. Solely for the purposes of liability assumed in an inswed contract T reasonable attomeys fees and necessal litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or fyfhreqst of that partys defense has also beehy assumed in the same inst contract and SN This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supenvision hiring employment training or monitoring of others by that insured or b Providing ok faiing to provide transportation mith respect to any person that mdy b under the infiuence of alcoldf if the ogurrepce which caused the bodily inury gr pfopry damage involved that which isdggcribed inRaragraph 1 2 or 3 aboy. N. S S vg this exclusion apphesfnly if you are i busingssof manufacturing distributing selifig semvi or fumishing alcoholic e beqage F9r the purposes of this exclusion mmittiag A person to bring alcoholic ges On your premises for consumption on premmises whether or not a fee is charged gr a nse is required for such activity is riot by ifself considered the business of seling sening or fumishing alcoholic vl.everages. 7. d Workers Cofnpensation And Similar Laws Any obligation of the insured under a workers ensation disability benefits or mployment compensation law or any sifjlar law. Employer s Liability e S Y. b Swch atomeys feeg apfl ltigation odily injury to expenses are for defgnse ofthappa against a civil or altmaveis resolution proceeding in mcQ da NN c. Liquor Liability Bodily injury o property damage forwhich any insured mggl e qud liable byreiesqp of 1 Causing oroqbuhg to the intokication of any person. yd 2 The fumishing of alcaholic jes to a person under the legah drinking age or under the influence of alcohotyqr 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. 1 An employee of the insured arising out of and inthe course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share 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. Insurance Services Office inc. 2012 Page 2 of 16 CG 00010413 | 1 |
f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of poliutants a Ator from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or 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 been added to your policy as an additional insured w lt respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or cmied by or rented or loaneg to Ey insured other than lhaf addlhoml insured or ily injury or prd arising out of he from a hostile re b At or from any premises site or Ioc which is or was gx auy time Used bybn i or fumes P for any r1 ged or handling st ge sal essl or treatmel oi M M c Which re weye at arly time transp stored trated dispos or p essed ay wagte by orfor. N i Anyinsured B i Any person or orgal for whom youmay be legally resporisible or d Ator from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the poliutants are brought on or to the premises site or location in connection with such operations by such insured contractor or slpcomctor However this subpaagraQ does not apply to i Bodily injtry or property damage ansmou of lescape of fuels or of operating fluids vch are hegded. perfor the yrormal electrical raulic or mechanical functions. ecessary for eration of mobile equipment of its parts if such fuels lubricants or rolhgl operating fiuids escape from a veficle part designed to hold store aof receive them. This exception does notsapply if the bodily injuy or propertydamage arises out of the terlh discharge dispersal or T reledse of the fuels lubricants or othes operating fiuids or if such. lubricants or other operating ids 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 N damgge 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 damage arising out of heat smoke or fumes from a hostile fire. e Ator from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. Insurance Senvices Office Inc. 2012 CG 00010413 Page 3 of 16 | 1 |
2 Anyloss 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 ftreat detoxify or neutralize or in any way respond to or assess the effects of pollutants or Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of poliutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a govemnmental authority. g. Aircraft Auto Or Watercraft b of the ownership maintenance use entrustment 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 ca against any insured allege negligepce or oter wrongdoing in the supervision hiring employment training or monitorifig of of by that insured if the occurrence gich cay the bodily injury or pfopel involved the ownership mai entrustment to others of any airc autdt or watercraft that is owned.. aroperal by Or rented or loaned to apyinsured.. N This exclusion doesfot applyte N NS 1 A watercraft lashone onpgmises you ownorrenty N r Awatercraqulidonmammat is H a Less than 261 fegtlongand s b Not being used cany persons or property for a charge. 3 Parking an auto on or on ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or Bodily injury or property damage arising of In pra. dapage 5 Bodily injury or property damage arising outof The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were ot subject to a compulsory or nsibility law or other insurance law where it is b e opgraon any of the machinery o eqlljmeql listedhin Paragraph f.2 or Q of the definiion of mobile equipment.. h. llplle quipment J JBodily injurykpropeny damage arising out Jof 7 1 The phnspdrtation of mobile equipment by. an 4utoowned or operated by or rented or aned to any insured or 2 The use oftwhile equipment in or while for or while being prepared for.any preamingd racing speed demolition y ivity.. ors ND T Bolly jury or property damage however catised arising directly or indirecty out of 1war including undeclared or civil war 2Warlike action by a military force including action in hindering or defending against an i actal o expected attack by any government sovereign or other authority using military personnel or other agents or 3 Insurrection rebellion revolution usurped power or action taken by govemmental authority in hindering or defending against any of these. j. Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incured 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 Insurance Senvices Office Inc. 2012 Page 4 of 16 CG 00010413 | 1 |
4 Personal property in the care custody or control of the insured That particuar part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or That particular part of any property that must be restored repaired or replaced because your work was incormrectly performed onit. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises including the contents of such premises rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusiot do not apply to liability assumed under sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazgudf 6 Damage To Your Product 3y Property damage to your prudcx l nslrgbut i ofitor any part of it. k2 Damage To Your Work l VA Property damage to your wmk anslng 04 it or any part of it and mclneq in products completed ogemfomxlgrd This exclusion duem if thndamaged work or the wol omgchme v g arises was per md on your kehalfby a subcontractor. kbs. Damage To o rty Not Physlcallm. Property damage to malr l progerty or property that has not beehthSI injured arising out of N4 1 A defect deficiency inadequacy or dangerous condition in your product or your work or 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance withits terms. n. Recall This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use. Of Products Work Or Impaired Property Damages clalm fcany loss cost or expense incurred byyou orsothers for the loss of use withdrawal recal inspection repair replacemepf qdjusmkr removal or disposal of. a qufryduct NN Howworkior kna red property syeh pi work or property is withdrawn frol market or from use by any nization because of a known or suspected lefect deficiency inadequacy or dafgerous cordition in it rtising Injury Sllng out of personal and adve ugtiy lectronic la g ansing out of the loss of loss of use of mage to cormuption of inability to access Qf inability to manipulate electronic data. wever this exclusion does not apply to biity for damages because of bodily injury. used in this exclusion electronic data mears information facts or programs stored as lial.. oron created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipmert. q. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates oris alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accwate Credit Transactions Act FACTA or i Insurance Services Office Inc. 2012 CG 00010413 Page 5 of 16 | 1 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Wl Limits 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 the right and duty to defend the insured against any.. suit seeking those damages. However we wil have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any Jaimor suit that may result. But 1 The amount we will pay for da s limited as described in Secti lll7Lm Insurance and Va 2 Our right and duty to ndednwe have used up the d gbhcble mit Of insurance in the payment setflements under C medical expenses erCovefage T No other obligatiopf or Jiabifity. to pa ums perform acts oy senyices is redigmr ss explicitty proviged for under Suj ry Payments Cdverage Aand B. b. This insurance Iles o persnal and advertising injury catsed by arising out of your business butsnly flhe hse was committed in the coverageamlmy during the policy period. el 4o sL 2. Exclusions This insurance does not apply to a. Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and wcd inflict personal and advertising uyuf b. Material Phllsh With Knowledge Of Falsity Persor Mslng pjury arising out of oral or n pmllcanon imany manner of mateyiat. if done by orat the frection of the insyfed with knowledge of its Yelsity ate fial Puylshed Prior To Pellcy Period PesSonal And Fvertising injury arising out of g ora1pf fittery publication in any manner of whose first publication took place the lemmg of the policy period. d. Crim Acts Personal jnal act of the msirew rtising injury arising out of mitted by or at the direction T N e dongamga j.lablllty Pgoml and advertising mJury for which the ingured has assumed liability in a contract or N reement. This exclusion does not apply to N ligkility for damages that the insured would haye in the absence of the contract or a ement. fBreach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use anothers advertising idea in your advertisement. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods products or senvices to conform with any statement of quality or performance made in your advertisement. h. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or senices stated in your advertisement. g. Page 6 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
Infringement Of Copyright Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other intellectual property rights do not include the use of anothers advertising idea in your advertisement. However this exclusion does not apply to Patent infringement in your advertisement of copyright trade dress or slogan.. Insureds In Media And Internet Type Businesses Personal and advertising injury committed by aninsured whose business is 1 Advertising broadcasting telecasting 2 Designing or determining content of web sites for others or 3 An Intemet search access content or service provider. 7 However this exclusion does not apply Paragraphs 14.a. b. and c. of personal and publishing or advertising injury underthe Definitions section. For the purposes of this exclusion the placing N of frames borders or links or advertising for you or others anywhere on the Intepet is hat by itself considered the business oademsmg. broadcasting ptbllshmgortelecam i Electronic Chatrooms Or Buuhn oardg Personal and advertising i an electronic chatroom or bulletin insured hosts owns or over whittuhe i d exercises control. Unauthorized Use Of Anothrg Nara or S Product N4 Personal and advert ing nJuy isingout of the unauthori 15 of another s nai or product in e maitaddress dorraln pame or metatag or any of similar tactits to mislead another s pohqal cl. Pollution S Personal and advertising xrgw fsing out of the actual alleged or threatel discharge dispersal seepage migration release or escape of poliutants at any time. p. Rco mg outaf 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 vespgndjn. or assess the effects of poliutants or 2 Claim oy sul by or on behalf of a govemmental authority for damages because oftesting monitoring cleaning up regovi ining treating detoXifyig or neutralizing qr in any way reponding to or asdessing e effects of poludarls. o o ar Pefsonal a advertising injury however lsedvas directly or indirectly out of 1 War rx ki hng undeclared or civil war ike acwn by a military force including acno actual or defending against an attack by any emsoemlgn or other authority using mlra ry personnel or other agents or Instrrectioh rebellion revolution usurped jpower or action taken by govemmental auhonty in hindering or defending against anyofthese. rding And Distribution Of Material Or Ingcrmatlon In Violation Of Law S Isersunal and advertising injury anslng directly or indirectly out of any action or omission that violates oris alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accuate Credit Transactions Act FACTA or 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. Insurance Senvices Office Inc. 2012 CG 00010413 Page 7 of 16 | 1 |
COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 Onpremises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that The accident takes place in the coverage territory and during the policy period The expenses are incured and reported to us within one year of the date of the accident and The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. b. We will make these payments regardiess of b faut. These payments will not exceed the 2 T a Al All expenses pay applicable limit of insurance. We will reasonable expenses for 1 First aid administered at the time of an accident 2 Necessary medical dental senices devices and Y 3 Necessary ambulance professional nursing and fmefal ces 2. Exclusions N S SV We will not pay expenses for hodnlyinury a. Any Insured. surgical X ray and including frostheti ospnal. SS. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a workers compensation or disability benefits law or a similar law. Athletics Activitjes To a person irutfed or parcipalng i ile practicing instructing ny physical exercises or games sporfs or atfifetic cortests. f. ProductsCol apggatxnns Hazard Included yithin Ms conpleted opergtions hazard. g. Coe e A Exclusions fxcl led undrCoverage A. SUPFLEMENTAKY PAYMENTS COVERAGES A ANDB 4 1. Wewl pay with respect to any claim we or any suit against an nd b. Up mmr cost of bail bonds required because of acciderts or traffic law violations rising jout.of the use of any vehicle to which N the Bodily Injury Liability Coverage applies. We dgnot have to fumish these bonds.. e cost of bonds to release attachments but. only for bond amounts within the applicable Imwf of insurance. We do not have to fumish se bonds. d AII reasonable expenses incured by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of eamings up to 250 a day because of time off from work. N s e. All cout costs taxed against the insured in the b. Hired PersonA e TN suit. However these payments do not include To a person hired to do work for onon btalf of attomeys fees or attomeys expenses taxed any insured o mnofanylnsued m against the insured. c. Injury On Normally Octupied Premjses f. Prejudgment interest awarded against the To a person injuredson that J6f prmises insured on that part of the judgment we pay. I you own or rent tha g e S.gon normally we make an offer to pay the applicable limit of occupies. insurance we will not pay any prejudgment interest based on that period of time after the offer. Insurance Senvices Office Inc. 2012 Page 8 of 16 CG 00010413 | 1 |
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 withinthe applicable limit of insurance. These payments will not reduce the limits of insurance.. If we defend an insured against a stit and an indemnitee of the insured is also named as a party to the sit we will defend that indemnitee if all of the following 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 same insured contract d. The allegations in the suit and the information.. we know about the occurence are such thaty no corflict 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 oLJhat indemnitee against such suit arg we can assign the same counsel dergthe insured and the indemnitee and f. The indemnitee 1 Agrees in writing to NS a Cooperate with us in vmvesugaion settlement or defense of the t b Immediately us ies demands ices summonses or lgal papers reowedn cotnection with the suts S S c Notify afiy o insurer whosecovgrage i available to the Tndemnitee apd Cooperate With us coordinating o applocb available to the indemnitee any 2 Provides us with written authoftzafion to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. d ct to N So long as the above conditions are met attorneys fees incured by us in the defense of that indemnitee necessary litigation expenses incured 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 Coverage A BodilyInjt And Property Damage Liability such payryents will not be deemed to be damages for bodily il and property damage and will not redye the Tiwaits of insurance. Our obligation to.defend an.insured s indemnitee and to fop attor feegand necessary litigation egmes as lemel Payments erds n V e have used up applizable limit of msuace in the payment gdgmems or condmons set forth above or x agreement described in th f abo are no longer met. E NII WHUSAN INSURED 1. Kyou are desigl d inthe Declarations as a. An il Inw and your spouse are nsueds only with respect to the conduct of chyouare the sole owner. b.. A pannevshp or joint venture you are an Yo members your partners and Aheiy spouses are also insureds but only with N res ct to the conduct of your business. A limited liability company you are an insured. hY Vbqr members are also insureds but only with respect to the conduct of your business. Your uegers are insureds but only with respect to T their duties as your managers.. An organization other than a partrership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respectto their liability as stockholders. e. A frust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. Insurance Services Office Inc 2012 CG 00010413 Page 9 of 16 | 1 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or wolunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint verture to your members ff you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business b To the spouse child parert brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above jp For which there is any oxfgauun share damages with or repay somegne c else who must pay dama tcausq of the wondi c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. N d. Your legal repesemnve if you die but only with respe tu duties as such. That representative will have all your rights and duties mder hCoveragQEan 3 Anyorganl nonyuu wly aci or form other than a P Omt.Ilrmed liability compa over vhch yourxqaintaih ownership rest will qualify asaNamed Insured lf no dh slmllar insurance available to nmnq r. Corage undr thls provision is afforded only yrtil the 90 t day after you acquire or form the izatiortor the end of the policy period whichewer is eatier... b. Coverage Agoes ot apply to bodily injury or ty daniag that occurred before you acqulre feaxedthe organization and c. goveragB oes not apply to personal and ising injury arising out of an offense ited before you acquired or formed the Qfganization. rsoq or organization is an insured with respect to of any current or past partnershtp joint limited fiability company that is not shown the injury described in araraph ya 2zg 5 Ngmed Insured in the Declarations. or b above or d failing to provide pmfesschal lth N care services. P AN. Propevtydamagytopropeny. a Owned ocgmlewr H.lzy b Rented lp in gre custody or domol of or r ich physical tontrol is being eiegsed anypurpos you any of you empl es r workers any partnr.gr mel r iFyou are a partnership or olritvemue or any member if you are am d liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. Arising out of his or her ptha or. ION Il LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or stits brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. Insurance Senvices Office Inc. 2012 Page 10 of 16 CG 00010413 | 1 |
3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard.. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization.. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injuy and property damage arising out of any one occurrence. 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claim is made or suit is brought against any insured you must 1 mmediately record the specifics of the claim or suit and the date received and 2 Notify us astfonfs practicable. You must se to itdhat we receive written notice of the claimbr suit a n as practicable.. Youand gy offerinyoived nsyred must 1 mpediately sen us jies of any s notices or legal papgts recelved nguqme clgifm or uthoriz us to obtain records and other morrpe or o g J 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will Coobergi with us in the investigation or pay under Coverage A for damages because of W of the claim or defense against property damage to any one premises while thetsyit a rented to you or in the case of damage by fire. 4 Assist us n our request in the while rented to you or temporarily occupied by you T rcemel any right against any person with permission of the owner. Y S or organizagion which may be liable to the 7. Stbject to Paragraph 5. above the Medical cause of inury or damage to Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Covera rt app separately to each consecutive annual period and to any remaining penod of less than 12 acmfy starting I insured yi insurance may also apply. R a Noinsured WI except at that insured s own Gdst voluntarily make a payment assume any o ligation or incur any expense other than for aid without our consent. 3. L gI Azllon Against Us with the begiming of the policy perid sp N Declarahonsg ur gss the F7tzlyy In ed Vrnprtorgamzahon has a right under tis after issuance for an additional periodof les n 42... months. In that case the additional period wm be a. To join us as a party or otherwise bring us into deemed part of the last precedingperiod w asuit asking for damages from an insured or of determining the Limits of Insuraince. N b. To sue us on this Coverage Part unless all of SECTION IV COMMEEAGENERAL NQBILT its terms have been fully complied with. CONDITIONS A person or organization may sue Us to recover on 1. Bankruptcy an agreed selemert tut or on. a nable JIUdbgef.2 against an insured we will not iable for Izksmyegam myiexed gu dgmages that are not payable under the terms of obligations under this C Bge Pr p this Coverage Part or that are in excess of the. Duties In The Event Of currence. bsnse Claim Or Suit. Vv a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may resuit in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and applicable limit of insurance. An agreed settlement means a settiement and release of liability signed by us the insured and the claimant or the claimant s legal representative. Insurance Senvices Office Inc. 2012 CG 00010413 Page 110f 16 | 1 |
4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as follows a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over Any of the other insurance whether primary excess contingent or on any other basis i That is Fire Extended Coverage Builder s Risk Installation Risk or similar coverage for your work That is Fire insurance for premises rented to you or tempomn occupied by you with permission of the owner That is insurance purchased by you to cover your liability as a tenant for i property damage to fremi rented to you or mporanly the owner or f the loss arigs occupied by you wm PeWfsr will compute all P iv ofnn of the maintenance or use ofalrcra. autos or watercraft to.the extent not subject to Exclusion g. ection h Coverage ABi Inj Propertymage Liability b Any other pfimapyinstitance available to you coveyifg lizbility for darhages grising out of prefises or operati s qrihe prod.and leted oper which n ad s additional nslied 2 When this insurance ess. will have no duty under Coverages to defend the insured against any sui if any other insurer has a duty to defend the insured against that suit. f no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against allthose other insurers. R 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The tofl gf all deductible and self insured fmous under all that other i e. 4 We wm sharethe rel ining loss if any with any gher s nce s not described in this ExceSs Insurar on and was ot uh specifically to Iy in yess of the imifs of Insurance shown in the D vag ofthis Coverag Part. cM od i alheof the cnhr insurance permits contribution sfres we will follow this method this approach each insurer amounts until it has paid its i rance or none of the loss remail ey comes first.. lf anym.nmer insurance does not permit ntribution by equal shares we will contribute lipfits jer this method each insurers shate is based on the ratio of its applicable limit kN DV insurance to the total applicable limits of ince of all insurers. 5. Pem m Audit premiums for this rage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the eamed premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the eamed premium we will retum the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete Insurance Senvices Office Inc. 2012 Page 12 of 16 CG 00010413 | 1 |
b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or sLit is brought. 8. Transfer Of Rights Of Recovery Against Others ToUs 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 rights to us and help us enforce them. shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date.. f notice is mailed proof of mailing wil esumc. proof of notice. PN SECTION V DEFINITIONS S5 1. Advertisement means a notice fhat 4 bmadasl or published to the general Qublic recic market segments about your godds p or senvices for the purpose of attracting supporters. For the Wmseosignim a. Notices that are pdblished inclide ma placed on the t e imilar ectrol means afcommvcahan and b. Regarding web site only that partyof web site that is ut your goods pd or cting senvices for. purpdses of customers or smpdmevs isqgri d an advertisement. S 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machineryor equipment or b. Any other 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. 9. When We Do Not Renew Vi If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured However auto does not include mobile equipment. 3. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any ofthese at anytime. 4. Coverage territory means a. The United Stajs of America including its territories and possegssions Puerto Rico and Canada b. Intemationg wateror airspace but only if the injury or damage.occurship the course of travel or tral n en places included inPal g. Al fthey parts of the wordif fhe injwry or damag arises out of s roducts made or sold by you in s tefritory described in Paragraph a.. abawE ZThea s of a person whose home s in tenitdry described in Paragraph a. abowe but isaway for a short time on your businessror and advertising injuy offenses. that take jblace through the Intemet or 7 sLuwilaLalgtVurc means of communication bvo vid the insured s responsibility to pay dar s is determined in a suit on the merits in N the territory described in Paragraph a. above or in q S ent we agree to. 5. Bpployee inclides a leased worker. r lEmgloyee does not include a temporary worker. srxecuive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing or al N document. 7. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be.. Impaired property means tangible property other than your product or your work that can not be used oris less useful because a. It incorporates your 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 fulfiling the terms of the contract or agreement. Insurance Services Office Inc. 2012 CG 00010413 Page 13 of 16 | 1 |
9.Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract. 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 connection with work for a municipality An elevator maintenance agreement That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another o BN 10.Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing fim to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 11.Loading or unloading means the handiing of property sy a. After it is mo from the place where it is accepted for vemem into or onto an aircraft watercraft or auto b. While it jin e on ahaircraft watercraft or i q s i. While 4 t being d from an aircraft v or auto to Iacy where it is lly defivered Zd iqadmg does not include the vemnt of by means of a mechanical ewce. n a hand truck that is not to arrcm. watercraft or auto. means any of the following s including any attached 12.Moble types of party to pay for bodily injury or property rnachreryore ipmeng damage to a third person or organization. Tor liability means a liability that would be imposedh by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for pod ry lnjuy of or property damage anslrg m affecting any railroad tracks road beds crossing 2 That indemnifies an C surveyor for injury oarnage ar oute Preparing fapp. OF prepare or dpprove ps Y shop drawings opinions repol slveys field orlers change orders oadraangs and specTcnonsx b Giving dlrecans or failing to give theriif that ISF pnmary cause of the injury or Ezne. 3 Under which the insured It 4n 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 2 above and supervisory inspection architectural or engineering activities. ridgeor trstle construction or demolition opratipi wihml 50 feet of any rallroaly prgperty nd mdem ss or hrthmachlnery. forkiifts and other AR vehldes desgyed for use principally off public AN pads glerptles maintained for use solely on or next to pmlses you own or rent c. Vighicles that travel on crawler treads P ehjcles whether selfpropelled or not mgintained primarily to provide mobility to rmanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cheny pickers and similar devices used to raise or lower workers f. Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. Insurance Services Office Inc. 2012 Page 14 of 16 CG 00010413 | 1 |
However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Streetcleaning 2 Cheny pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. However mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. 13.Occurrence means an accident including continuous or repeated exposure to substartially the same general harmful conditions. 14.Personal and advertising injury means injury including consequertial bodily injury arslrg of one or more ofthe following offenses a. False arrest detention or mpnsofyen b. Malicious prosecution c. The wrongfuleviction from rol or invasion of the right of pn occu of a room dwelling or premises a pzgb occupies committed by mon be of i owner landlord or les a d. Oral or written pyblicatiern. ny 4 material that slahde or libels on or organization digparages a vso or organization s oods products or senvides e. Oral or witten hblcahan. in any r of material that violates awrsonshg Wacy f. The use of another s acemsmg dga in your advertisement or g. Infringing upon another s copynght trade dress or slogan in your advertisement. 15.Pollutants mean any solid liquid gaseous or thermal initant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. 16.Products completed operations hazard a. Includes all bodily injury and property damage occuring away from premises you own or rent and arising out of your product or your work except 1 Products that are still in your physical possession of 2 Work that fas nt yet been completed or abandol ver your work will be deeme complb at the earliest of the iollowmgh Zall of lled for in your s ct has beel omple when all of the worktp b done at the job site has been completed if your 50 lis for work at more than one c.when mat part of the work done at a job site tvas been put to its intended use by ern or organization other than egntractor or subcontractor same project. that ny need senice maintenance.. Ccomection yepair or replacement but which 7 is o e complete will be treated as s not include bodily injury or property amage arising out of 1Tre transportation of property unless the 7 you and that condition was created by the loading or uloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17.Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. Insurance Senvices Office Inc. 2012 CG 00010413 Page 150f 16 | 1 |
As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. 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. Any other altemative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19.Temporary worker means a person who is fumished to you to substitute for a permanent 18. employee on leave or to meet seasonal or T.. your employee and who donates his or her work and acts at the direction of and within the scope of short term workload conditions. 20.Volunteer worker means a person who is nof duties determined by you and is not paid a fee salary or other compensation by you or anyane else for their work performed foryou. B 4 g 21.Your product a. Means VA 1 Any goods or products umeha real N 3 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 failre to provide wamings or instrusfions. c. Does not inclyde nding machines or other property repted or located for the use of others but pot sold. 22.waod2 AN a. Means. 10 or operaonspkrformu by you or onybur behalf and 2 Wateri Is parts or equipmert fumished in zfmecon With such work or operations. 1 thDdEe Warrantfes or representations made at any tige withwrespect to the fitness quality ility pedormance or use of your workand 2 The.providig of or failure to provide... Wamingsgr instructions. N VA N 7. property manufactured sold hendled distributed or disposed of by You.. b Others tradinader your narhe or A person or rgarionvkns business. r agsets you achuired and 2 Containers vq vehclesna rials parts or equipr furished inor ion with such goods orpnztiucts 7. 7 S s Insurance Services Office Inc. 2012 Page 16 of 16 CG 00010413 | 1 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BROAD FORM NAMED INSURED MAJORITY INTEREST This endorsement modifies insurance provided under the following e e COMMERCIAL GENERAL LIABILITY COVERAGE PART FARN EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART Vi A. The term Named Ihsured includes in addition to the person or org zaon designated nme Dezlarahons as the first Named Insured M 1. Estes Duml a joint venture a but only while the first Named Insured directly or irdlrecyovns dwlg y le policy period an interest therein of more than 50 and of the United States of America or its staf tervitarjes or possessh yerto Rico or Canada or its provinces but only while the first Named Insyfed or any of ds in Paragraph A.1. above directly or indirectly owns during the policy pe ammeLgnherem ufrcr than 50. But of the above designated persons or organlzanons lsa Naq emezmn respecl to 2. any other organization except for a partnership or joint venture IMQEO organized under the laws 1 bodily injury or property damage hat occurred or I 2 personal and advertising njuy caused byn oersebr a snes of related offenses committed prior to the ownership interests desynbedrfn Paraph AJ.D.LALibOve B. Paragraph 3. of Section Il Who Q An ed 5 delel C. The final paragraph of Section Il Whoiin InStd is replaced by the following A partnership or joint veyl.re is ntENamedansured ss itis shown inthe Declarations or in Paragraph A.1. of this endorsemem. Nu pel or orgahzahon ap insured with respect to the conduct of any curent or past partnership or fint m.re is notshown a a Named Insured in the Declarations or in Paragraph A.1. of this endorseme or any limited Wtabllllyconpany that is not a Named Insured. D. The first Named hsned isauthorized bact nd agrees to act on behalf of all persons or organizations insured under this policy with respect toall Qaey peptaining to the insurance afforded by the policy.. N. PART ture 2013 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Senvices Office Inc. withits permission. LC99400213 Page 1 of 1 | 2 |
Policy Number T Issued by EINSURANGE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BROAD FORM NAMED INSURED ENDORSEMENT COVERAGE FOR JOINT VENTURES PARTNERSHIPS AND LIMITED LIABILITY COMPANIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The term Named Insured includes in addition to the person or organization designated in the Declarations as the First Named Insured 1. J.E. Dunn Construction Group Inc and any subsidiary division affiliate associates or allied companies corporations firms LLCs partnerships or joint ventures that have existed now exist or may hereafter exist that are owned financially controlled or managed andor in which an Insured has either insurable interest or an obligation to insure to the extent of that interest or obligation All Joint Ventures where a J.E. Dunn Construction Group Inc. Subsidiary has agreed to enroll the Joint Venture in the CCIP. but only while the First Named Insured or any of the Named Insureds in A.1. directly or indirectly owns during the policy period an interest therein of 50 fifty percent or more or the First Named Insured exercises management or financial control during the policy period and 2. subject to A.1. above any other organization except for a partnership limited liability company or joint venture incorporated or organized under the laws of the United States of America or its states territories or possessions Puerto Rico Canada or its provinces but only while the First Named Insured or any of the Named Insureds in A.1. above directly or indirectly owns during the policy period an interest therein of 50 fifty percent or more or exercises management or financial control during the policy period and 3. any joint venture partnership or limited liability company of which you or any of the Named Insureds in A.1.0or A.2. above have an ownership interest during the policy period is a Named Insured provided that you are obligated under a written agreement prior to any loss to provide insurance coverage. However a Coverage under this provision for a newly acquired joint venture partnership or limited liability company is afforded only until the 120 day after you have acquired the interest or the end of the policy period whichever is earlier. b This insurance does not apply to any injury or damage that occurred before you acquired the interest of the joint venture partnership or limited liability company. c This insurance does not apply to any injury or damage that occurred after you no longer have any interest in a joint venture partnership or limited liability company. d Coverage for any joint venture partnership or limited liability company under this endorsement is excess over any other valid and collectible insurance purchased specifically to cover the joint venture partnership or limited liability company. 4. But none of the above designated persons or organizations in A.1. A.2. or A.3. is a Named Insured with respect to a bodily injury or property damage that occurred or LD 99 66 06 12 2012 Liberty Mutual Insurance. All rights reserved. Page 1 of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 2 | 2 |
b personal and advertising injury caused by an offense or a series of related offenses committed prior to the interests described in Item A.1. or A.2. or control or responsibility described in A.2. or A.3. above. A joint venture partnership or limited liability company is not a Named Insured unless it is shown in A.1. above or falls within the terms of A.3. above. No person or organization is an insured with respect to the conduct of any current or past partnership or joint venture that is not shown as a Named Insured in A.1. above or for any limited liability company that is not a Named Insured. B. Paragraph 3. of Section Il Who Is An Insured is deleted. C. The First Named Insured is authorized to act and agrees to act on behalf of all persons or organizations insured under this policy with respect to all matters pertaining to the insurance afforded by the policy. Page 2 of 2 2012 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. LD 99 66 06 12 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Deductible Damages and Supplementary Pay nts Damages and Supplementary Payments Within the Deducbl ro e Policy Limits This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PAy f. J S SCHEDULE DEDUCTIIE AlOU Bodily Injury and Property Damage Liability 2000 000 Personal and Advertising Injury Liability Medical Payments and Supplementary Payments. A. DEDUCTIBLE. DAMAGES AND SUPPLEMENTARY PAYMENTS ERQDIK CTDBI.TE You are responsible up to the Deductible Amoxn the Schedule fo the total of 7 1. All damages including amounts pad in senlemr ofa cImi or ut and medical payments plus i 2. All SUPPLEMENTARY PAYMENS S J because of all bodily injury andymgemder ge ge A that results from any one occurrence all personal and advertising injury Coveragy sustained by any one person or organization and all bodily injury sustained by one person under Covcrage S TN... Subject to the apphcablyfumls of insural we 3re respotisible for those amounts of damages and medical expenses to which this insurance aj pphe MLTAR AYMENTS that exceed the Deductible Amount shown in the Schedule. We have the rightbyt ole duty to adva 07 1y part or all of these amounts. Exercise of our right to advance such e amount shall not creal ny obgalmns orbe cpnstrued as a waiver or estoppel of our rights under this policy. B. EFFECT OF DEDUCTIBLEUNLIMITS QF INSURANCE The Each Occurrence Limit the Pesmi and Advertising Injury Limit the Medical Expense Limit and any applicable aggregate limits of insurance are reduced by the amount of damages and SUPPLEMENTARY PAYMENTS as referred to in paragraph A. above paid or payable by you within the deductible. C. CONDITIONS 1. Recovery from Others In the event we recover any advance or payment made under this policy by exercising our right of subrogation the amount so recovered shall first be applied to any payments made by us in excess of the Deductible Amount only then shall the remainder of such recovery if any be applied to reduce the Deductible Amount payable or paid by you. Bodily Injury and Property Damage Liability Personal and Advertising Injury Liability Medical Payments and Supplementary Payments LC 03 07 06 05 Page 1 of 2 | 2 |
Cancellation You must a promptly pay all amounts for which you are responsible under this endorsement and b reimburse us for any such amounts that we pay or advance upon receipt of a billing from us. If you fail to do so we may at our option and to the extent permitted by law cancel either this endorsement or this policy by mallmg or dchvcnng to you notice of cancellation pursuant to the terms appllcablc to cancellation for non payment of premium in the policy or an endorsement thereto. i Your Duties a. The first Named Insured shown in the Declarations agrees and is authnnzeq pk eductible Amounts on behalf of all Named Insureds and to reimburse us for any such amoyints thiat weadvance N b. Each Named Insured is jointly and severally liable for all Dedupblemounts undm icy Other Rights and Duties Ours and Yours 3 All other terms of this policy including those which govcma oufg Knd ty to defend any claim proceeding or suit against you and b your duties if injury occurs applyw ectl of plication of this deductible endorsement. Page 2 of 2 LC 03 07 06 05 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMPOSITE RATE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABIITVCOERAGR POLLUTION LIABILITY COVERAGE PART J PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART N SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW IiK K4 N N. 4 With regard to composite rated premium for this policy exposure types aredgtined as. Admissions means the total number of persons other than employees of the named insl.rd admitted to the event insured or to events conducted on the premises whgher on paidadmsigns. tickecompiimemavy tickets or passes. g e 7 Area Square Feet means area as measured in square feh ufll pvpgery yhw lease or rent including land held for investment during the policy period. N N N Cost Total Cost means the total cost of all Tetvrsublet in gnnectior nection with each specific project including 1 the cost of all labor materials and equipme ished uded or delivered issi 1 N 2 allfees bonuses or commissions mgde. Bra aviue.j Gross Receipts means the total amym ined bye ifisured for hyponing passengers mail and v r use inthe execution of the work and merchandise. o Gross Sales Including Foreign meand the grosq mt charged by you your concessionaires or by others trading under your name for all 95 sold ordistributed during the policy period operations performed during the policy period and refitals both inthe United. tates f America its territories and possessions and outside the United States of Amerig4 itstefriwies andposses iqns. Sales includes taxes foreign exchange discounts freight allowance to ct tal salearc ns ned goods and warehouse receipts trade or cash discounts bad debts and repossgssiogs of items sold ins lllmens. i Gross Sales Excluchgforelgn means the gjoss amount charged by you your concessionaires or by others trading under your name for all goods or progiiicts old or distributed during the policy period operations performed during the policy period and rel only ifthe Uriited States of America its territories and possessions and Puerto Rico. Sales includes taxes foreign xchange fiscourts freight allowance to customers total sales of consigned goods and warehouse receipts trade oieash discounts bad debts and repossessions of items sold on installments. Operating Expenditures means total expenditures including grants entitiements and shared revenue without regard to source of revenue during the policy period including accounts payable subject to inclusions exclusions and terminology in accordance with the General Liability manual in use by the Company. Workers Compensation Payroll means all payments by you in money or in substitutes for money during the policy period to all executive officers and other employees for services rendered subject to any over time earnings limitation of remuneration or exception rules applicable in accordance with the Workers Compensation manual in use by the Company. LC 99121013 2013 Liberty Mutual hsurance. Allrights reserved. Page 1 Includes copyrighted material of Insurance Senvices Office. Inc.. with its bermission. 2013 Liberty Mutual hsurance. Allrights reserved. Includes copyrighted material of Insurance Senices Office Inc. withits permission. Page 1 of 2 | 2 |
General Liability Payroll means all payments by you in money or in substitutes for money during the policy period to all executive officers and other employees for services rendered subject to any over time eamings limitation of remuneration or exception rules applicable in accordance with the General Liability manual in use by the Company. Units means a single room or group of rooms intended for occupancy as separate living quarters by a family by a group of unrelated persons living together or by a person living alone. Other means LC 99121013 2013 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of insurance Senvices Office Inc. with its permission. Page 2 of 2 | 2 |
POLICYNUMBER TB2 641 444819 047 IBER TB2 641 444819 047 COMMERCIAL GENERAL LIABILITY CG 02241093 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EARLIER NOTICE OF CANCELLATIpN PROVIDED BY US This endorsement modifies insurance provided under the following 7y COMMERCIAL GENERAL LIABILITY COVERAGE PART bd LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART 4 PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PA p s s 7 scHeDULE N Y AN Number of Days Notice 120 e. S c W ff no entry appears above information required to TpleMSchedule w I pe shown in the Declarations as applicable to this endorsement. N. NV For any statutorily permitted reason other than yment ef prerqiu m the number of days required for notice of cancellation as provided in paragraph 2. ofither CANCLsLATQN Common Policy Condition or as amended by an applicable state cancellation endpfsemem sncreased.lo g number of days shown in the Schedule above. S der the following AGE PART AN Copyright Insurance Senvices Office Inc. 1992 CG 02241093 Page 1 of 1 | 2 |
POLICYNUMBER TB2 641 444819 047 POLICYNUMBER TB2 641 444819 047 COMMERCIAL GENERAL LIABILITY CG 04370514 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ELECTRONIC DATA LIABILITY. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART y N AN SCHEDULE VA v Loss Of Electronic Data Limit 3000000 rformation reqired to complete this Schedule if not shown abover will bewin th Declaratios. A. Exclusion 2.p. of Coverage A Bodily Injury And Property Damage Liability in Section Coverages is replaced by the following 2. Exclusions This insurance does not apply to p. Access Or Disclosure Of Confidential Or Personal Information And Data related Liability. Damages arising out of. P 1 Any access to or disgl sua of any person s or organizatior dem orr personal information lcluf S ihodr T trade secrets processmg customer lists nancnafnorma on credit card nfovmaton heal information orany Iype of nonpublic i ttion or 2 The loss of use davqge lo Y corruptiop of inability to cces or nabuty ipuate elecmnlc daia that do t resuiffrom phylcal njury to tangible p erty.. This exclusion applgeverhfdam iges are claimed for notificatien cos credit monitoring expenses fornil eoenses public relations expenses or any other loss cost or expense incured by you or others arising out of that which is described in Paragraph 1 or 2 above. However unless Paragraph 1 above applies this exclusion does not apply to damages because of bodily injury. I Excluslons 5. B. The follow xgadded to Paragraph 2. on Coverage B And ising Injury Liability 2 Excluslons 7 ms yBufam does not apply to ess Or Disclosure Of Confidential Or ersonal Information rsonal and advertising injury arising out of any access to or disclosure of any person s or nization s corfidential or personal tion including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incured by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information.. The following paragraph is added to Section Il Limits Of Insurance Subject to 5. above the Loss Of Electronic Data Limit shown in the Schedule above is the most we will pay under Coverage A for property damage because of all loss of electronic data arising out of any one occurrence. Insurance Senvices Office Inc. 2013 CG 04370514 Page 1 of 2 | 2 |
D. The following definition is added to the Definitions section Electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. E. For the purposes of the coverage provided by this endorsement the definition of property damage in the Definitions section is replaced by the following 17. Property damage means a. Physical injuy to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it definition is added to the Definitions ata means information facts or ed as or on created or used on or or from computer software including applications software hard or floppy OMs tapes drives cells data vices or any other media which are ronically controlled equipment. ses of the coverage provided by this the definition of property damage tions section is replaced by the amage means inury to tangible property g all resuting loss of use of that. All such loss of use shall be i to occur at the time of the physical at caused it b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurence that caused it or c. Loss of loss of use of damage to comuption of inability to access or inability to properly manipulate electronic data resulting fromi physical injury to tangible property. Al such loss of electronic data shall be derra to occur at the time of the occurefice thatcaused it. For the gaurpqss of thidvipsurance electronic data i t hnglhlwoperty a Page 2 of 2 Insurance Services Office Inc. 2013 CG 04370514 | 2 |
COMMERCIAL GENERAL LIABILITY CG 20010413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUT IQEY OTHER INSURANCE CONDIT This endorsement modifies insurance provided under the following a N NN COMMERCIAL GENERAL LIABILITY COVERAGE PART SOy PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PRT J o The following is added to the Other Insurance Ve 2Y bae Sreed in writing in a contract or Condition and supersedes any provision to the S Nagret that this insurance would be contrary ryand would not seek contribution Primary And Noncontributory Insurance fogy 95. 3 available to the This insurance is primary to and will not seek contribution from any other insurance available... to an additional insured under your pohc T Y provided that T s Insurance Senvices Office Inc. 2012 CG 20010413 Page 1 of 1 | 2 |
POLICYNUMBER TB2 641 444819 047 POLICYNUMBER TB2 641 444819 047 COMMERCIAL GENERAL LIABILITY CG 24 04 05 09 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART p PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to Paragraph 8. Transfer Of S Rights Of Recovery Against Others To Us of Section IV Conditions 7 We waive any right of recovery we may have against the person or organization shown inthe Schedule SONL S below because of payments we make for injury or damage arising out of your ongoing operations or N your work done under a contract with that person. or organization and included in the products. completed operations hazard. This waiver applies e only to the person or organization shown in the T S V Schedue below. N scuzgus 7 a N Name Of Person Or Organization 7 Where required by written contract. k Information required to complete this Schnule fftihowp above MlLbe shown inthe Declarations. Vv Ly Y et o Or Organization e Insurance Senvices Office Inc. 2008 CG 24 04 05 09 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG24140413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF GOVERNMENTAL IMMUNITY s Ve 4 This endorsement modifies insurance provided under the following 7 COMMERCIAL GENERAL LIABILITY COVERAGE PART 7 N OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE P. RAILROAD PROTECTIVE LIABILITY COVERAGE PART. N Nag S S We will waive both in the adjustment of claims and in s. d the defense of suits against the insured any Sy governmental immunity of the insured unless the K insured requests in writing that we not do so.. V4 Waiver of immunity as a defense will not subject us to liability for any portion of a claim or judgment in excess of the applicable limit of insurance. Insurance Senvices Office Inc. 2012 CG 24140413 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Reasonable Force Reasonable Force This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERA AN Exclusion a. of Coverage A is replaced by the following a. Expected or Intended Injury Bodily injury or property damage expected or intended ronite stan hf insured. This exclusion does not apply to bodily injury or property damage resulting from the use o reasonalle force to protect persons or property. ced by the following LC 0401 06 05 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies the insurance provided under the following Bodily Injury to Co Employees Coverage I COMMERCIAL GENERAL LIABILITY COVERAGE FORM EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM. Sy S The following is added to Paragraph 2. of the WHO IS AN INSURED scti Q Your employees other than either your executive officers if yy an orgmmx fon other than a partnership joint venture or limited liability company or your managers if you ar a linfited ligbility Company or volunteer workers are insureds while in the course of their employment or performing dugs relitted to thie conduct of your business with respect to bodily injury o bodily injury a to you. S. b to your partners or members if partnership or jo venture S Y S s to your members if you are a limited liability mmnnyr 7 St N d to acoemployee or volunteer worker while that coNemploy or volunteer worker is either in the course of his or her employment by you or while pej duties related toq.he conduct of your business including participation in any recreational activities sponsopd by you. N However none of these cmployees vnluntej wofkers arc ind ds for the providing of or failure to provide professional health care services. N R Limits of Insurance N a. Sublimit Each Occurrepcer T hwsmmqe is sheg to a sublimit of 3000000 each 9 e This sublimit is syfeci q the Each Occul gace imit shown in the Declarations it is not in addition to the Each Occurrence Limif If a sublimit is not deslghaed abovctho applble limit is the Each Occurrence Limit shown in the Declarations. N b. Aggregate. This msurancelcbecl the General Aggregate Limit shown in the Declarations. N S The insurance provided by this endorsement for bodily injury to a coemployee or volunteer worker will not apply if the injured coemployee s or volunteer worker s sole remedy for such injury is provided under a workers compensation law or any similar law. The insurance provided by this endorsement is excess over any other valid and collectible insurance available to the insured whether primary excess contingent or on any other basis LC 04 04 06 05 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. N JOINT DEFENSE ENDORSEMENT e This endorsement modifies insurance provided under the following 4 A a. COMMERCIAL GENERAL LIABILITY COVERAGE PART l g. S. S If a suit is brought against any insured and one or more other insureds ar also mes to the sulwe may assign the same counsel to defend each insured except to the extent ql n the insureds would prohibit defense by the same counsel under applicable law. I such a canfiict exists extent permitted by applicable law we may assign the same counseltoany insureds Ihatwalve lhe ngiq pa counsel. This endorsement is not intended to limit our right under the polrcy ol pllcable law to select counsel or to affect ourrightto select counsel when sit is broughagalnsa slngle insured... b Our right and duty to defend ends when we have uSed up meappca le IlmN mrance in the payment of judgments or settlements under Coverages A or B or metical expenses under Ci C. LC 220208 09 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Damage to Your Work Amendment This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE P. T EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART s PRODUCTS COMPLETED OPERATIONS LIABILITY OVRAGE PART Sy The Damage To Your Work exclusion is replaced by the following J S N 4 This insurance does not apply to 7 Property damage to your work arising out of it or any part of it and incluiaiig the ducts completed operations hazard. However this exclusion shall only apply to property damage.to that particular partQf youpwork that the property damage arises out of. 7 e N T This exclusion does not apply if the damaged work or the werk ukomhnch the dnm arises was performed on your behalf by a subcontractor. S. LC 24 06 06 07 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Non Cumulation of Liability Same Occurrence Non Cumulation of Liability 7Y Same Occurrence L. This endorsement modifies the insurance provided under the following s L. COMMERCIAL GENERAL LIABILITY COVERAGE PAyr AN S P NS s 1. The following is added to paragraph 4. of the Limits of Insurance Scuow If one occurrence causes personal and advertising injury to hich thiy Wxcy ap pllcs and to which one or more prior andor future liability policyies issued to you by us also applies thes this policy s Personal and Advertising Injury Limit will be reduced by the amount of cach payment made by us under the omepohcy.qzbccause of such occurrence. 2. The following is added to paragraph 5. of the Limits of Fisusance Section Section If one occurrence causes bodily inj ertydamage during lhjy period and during the policy period of one or more prior andor future liability policyies iSsued ycul us then policy s Each Occurrence Limit will be reduced by the amount of each payment made by us undeh.he ctfpolfyfles cause of such occurrence. 3. The final paragraph of the Limits of Insura ns Section is replheed wqx the following The ageregate Limits of Insurance of thi Coyerage Payt apply sspaxate to each consecutive annual period and to any remaining period of less than 12 months syiting Yith khe beginnin of the policy period shown in the Declarations unless the policy period is extended after jsuane for ay additional period 3 less than 12 months. In that case the additional period will be deemed part of the fast prceding period for purposg of determining the aggregated Limits of Insurance. However the Each Occurrence Liinit is the mi we Wil pay for damages and Medical Expenses because of all bodily injury and property damage arisingayt of anyne occurrence and the Personal and Advertising Injury Limit is the most we will pay for damagenuse of spmon and advertising injury arising out of any one occurrence regardless of the length of tfie pohcybml N N N AN S LC 251308 08 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Insured Contract Redefined Insured Contract Redefined P rd s This endorsement modifies the insurance provided under the following 7 7 COMMERCIAL GENERAL LIABILITY COVERAGE PART 1 NG N COMMERCIAL LIABILITY UMBRELLA COVERAGE PART. NN EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART Yy PRODUCTS COMPLETED OPERATIONS LIABILITY SOVERAGE PART. 1. Paragraph c. of the definition of insured contract is replaced wit s S.. An easement or license agreement 2. Exception 1 to the definition of insured contract is deleted. LC 29020607 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Personal and Advertising Injury Redefined Definition oquIication 7 This endorsement modifies the insurance provided under the following 7 y. N COMMERCIAL GENERAL LIABILITY COVERAGE PART. EXCESS COMMERCIAL GENERAL LIABILITY COV 9 PART N 4 S Paragraphs d. and e. of the definition of personal and advertising injury ay reyced by the fouowin Personal and advertising injury means injury including consequentigl bolfy injuyyising out of one or more of the following offenses 7 AN NS d. Oral or written publication directly to the public at large of malelzjslands or libels a person or organization or disparages a person s or organization s goods products or services. N. N. 1 Oral or written publication directly to the publig t Targe of material d.afhoha person s right of privacy name or likeness. The following definition is added to the Definitions Section T N Publication means an insured s act of dissepfinating orBxoadcastinxmatEQal or information. Publication does not include the wrongful appropriation interception or retrival ef terial or informaronvy a third party or the insured s dissemination or broadcasting of material or information a person nvsn is hs subject of e material or the information. 7 2 Oral or written publication of material that violites aimmxsigh of privacy by misappropriation of that person s 7 e S S i ol LC 2904 08 08 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Personal and Advertising Injury Occurrence Red eqed This endorsement modifies the insurance provided under the following x COMMERCIAL GENERAL LIABILITY COVERAGE P.. EXCESS COMMERCIAL GENERAL LIABILITY COV PARf AN A. Paragraph 4. of the Limits of Insurance section is replaced by the folluyvmg.J 4. Subject to 2. above the Personal and Advertising Injury lel s the most we wil pay under Coverage B for the sum of all damages because of all personal and advertising i mjmzy arit ouphf axyy one occurrence. B. The definition of occurrence in the Definitions section is replaced folloymg Occurrence means P a. With respect to bodily injury or property damdge an acc E.E.mmuhuous o repeated exposure to substantially the same general harmful conditions Qr e s b. With respect to personal and advertising injury an thns serps of related offenses. LC 2906 08 08 Page 1of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADVERTISEMENT REDEFINED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following I Y COMMERCIAL GENERAL LIABILITY COVERAGE PART 7 EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART The definition of advertisement in the Definitions Section is replaced bymeq Advertisement means a paid announcement that is broadcast or bllshed n the print bfoaM or electronic media to the general public or specific market segments about yot s pr or senvices for the purpose of attracting customers or supporters. For the purposes of this denmo a. Announcements that are published include material placed Mle time or on similar electronic means of communication and b. Regarding web sites only that part of a web site ma.lsabpgm your goodpductsur senvices for the purposes of attracting customers or supporters is considered arad 2011 Liberty Mutual Group of Companies. All rights reserved. Includes copyrighted material of Insurance Senvices Office Inc. with its permission. Page 1 of 1 LC 29081011 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BODILY INJURY REDEFINED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM VN PRODUCTS COMPLETED OPERATIONS COVERAGE PART g N The definition of bodily injury in the Definition section is replaced by the fgllowirig Sy Bodily injury means SONLS S a. Bodily injury sickness or disease sustained by a person imlngdeaiuesl.ng from any of these atany time a... b. Mental anguish shock or humiliation arising uumflrgyyas dened in parbveghabove Mental anguish means any type of mental or emotional iliness or di T 2011 Liberty Mutual Group of Companies. All rights reserved. Includes copyrighted material of Insurance Senvices Office Inc. with its permission. Page 1 of 1 LC29091011 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF OCCURRENCE OFFENSE OR INJURY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART a y For purposes of Condition 2.a. of Section IV you refers to an exeane ofcer or employedgsnaled by the first Named Insured to give us notice. S 4 2013 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. withits permission. LC99010213 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KNOWLEDGE OF OCCURRENCE OR OFFENSE SNy P This endorsement modifies insurance provided under the following PARERN. COMMERCIAL GENERAL LIABILITY COVERAGE PART PP EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART v PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PAR S. S. Krowledge of an occurrence or offense by your agent servant or gmpl wil not in itself consmle knowledge by you unless your executive officer employee or other thi szel gnaed by you to notify us of an occurrence or offense has knowledge ofthe occurrence or offfise. 7 7 2013 Liberty Mutual Insurance. Allrights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. LC99020213 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNINTENTIONAL FAILURE TO DISCLOSE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART AN PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART N LIQUOR LIABILITY COVERAGE PART.. y Unintentional failure of the first Named Insured to disclose all hazai w gfnng a eption of this policy shall not be a basis for denial of any coverage afforded by this policy. Hoy g mtst rort such hazards to us as soon as practicable after their discovery. This provision does not affect our right to collect additional premuwor exmcuse our right of cancellation or non renewal. LC99030213 2013 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Senvices Office Inc. with its permission. Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PROPERTY DAMAGE OCCURRENCE ENDORSEMENT This Endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART NN EXCESS COMMERCIAL GENERAL LIABLLITY COVERAGE mf N. f jdry to your work arising outamor degmedJo be caused by an pernrved onyour behalf by a Notwithstanding any contrary law property damage in the form of physj any part of it and included in the products completed operations hazapd wiltbe occurrence if the damaged work or the work out of which the damage ari subcontractor. Page 1 of 1 LC 992708 09 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. JOINT AND SEVERAL AMENDMENT JOINT AND SEVERAL AMENDMENT s s This endorsement modifies the insurance provided under the following s AN N COMMERCIAL GENERAL LIABILITY COVERAGE PART E N S N The first Named Insured is solely liable for all financial obligations of All inureds and Named ngleds under the policy. Any provisions to the contrary or otherwise making Named reds joingly and severally liable for financial obligations are hereby amended. y NS NS TN N A SN N SN N P YOV A N e N e 7 SO Lo I NN s Ve g This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LC 9928 08 09 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PREMIUM RESPONSIBILITY ENDORSEMENT PN This endorsement modifies insurance provided under the following y s COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART 7 s Paragraph E. Premiums of the Common Policy Conditions is replacen by 1 followng s 1. Each Named Insured is jointly and severally liable for all prhmnms ue nder this policy and for any other financial obligations of any Named Insured to us arising out of any amescrfured inthis policy. 2. The firstNamed Insured will be the payee for any reun prqlunswe pay. N X NN S NN I 2013 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 LC99360213 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CANCELLATION ENDORSEMENT DESIGNATED GOVERNMENT ENTITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART Schedule Designated Government Entity Where required by contract. Any cancellation or material change adversely affecting the Government s interest shall not be effective 1 for such period as the Laws of the State in which this contract is to be performed prescribe or 2 until 30 days after the Insurer or the Contractor gives written notice to the Contracting Officer whichever period is longer. here required by contract. 2011 Liberty Mutual Group of Companies. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. LD 02030511 Page 10f 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies the insurance provided under the following 2. Professional Health Care Services by Employees C9verage 4 i COMMERCIAL GENERAL LIABILITY COVERAGE FORM. EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM.. N o... Amendment Who is an Insured Subparagraph 2.a.1d of Section IT Who Is An Insured is deled acyded with the following d Arising out of his or her providing or failing to provide profesgloqa health gire services. However any employee or volunteer worker of the Named Insured who is a designated health care prbvnder is an insured under this policy with respect to bodily injury and personal and advenising injury a. Which arises out of the providing of or fallm to pmwde pMmal heaihtare services and b. Which occurs in the course of and within the sqpe ssuch mplays or volunteer worker s employment by the Named Insured. N 7 Limits of Insurance a. Sublimit Each Occurrence. This muraneessqucl toa suhKn u oy each mze N This sublimit is subject to the Eac Qwuneh Lriwwrn the Declarations it is not in addition of the Each Occurrence Limit.. o N N n. If a sublimit is not designatd above the.applicable limiNs the Each Occurrence Limit shown in the Declarations. T b. Aggregate. This ms is suBKtot Generl Aggregate Limit shown in the Declarations. s With respect to cnployebs and voluntee workers providing professional health care services the following exclusions are added to Paragraph 2. Exdumns of Seu l I Coverage A Bodily Injury And Property Damage and Paragraph 2. Exclusions of Section I Covemgs ers al And Advertising Injury This insurance does not apply to t Ve a. Liability assumed under an insured contract or any other contract or agreement b. Liability arising out of the providing of professional health care services in violation of law Liability arising out of the providing of any professional health care services while in any degree under the influence of intoxicants or narcotics d. Liability arising out of any dishonest fraudulent malicious or knowingly wrongful act or failure to act or e. Punitive or exemplary damages fines or penalties. T LC 040206 05 Page 1 of 2 | 2 |
The following definition is added to the Definition Section Designated health care provider means any employee or volunteer worker of the Named Insured whose duties include providing professional health care services including but not limited to doctors nurses emergency medical technicians or designated first aid personnel. Other Insurance AR The insurance provnded by this endorsement is excess over any other valid and wllqblefnsurance available to the insured whether primary excess contingent or on any other basis. 7S L LC 04 02 06 05 Page 2 of 2 | 2 |
Policy Number TB2 641 444819 047 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WRAP UP INSURANCE PROGRAM AMENDMENT OF COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Schedule Wrap Up Administrator J.E. Dunn Construction Company is the administrator for all GL only projects. Lockton Companies is the administrator for the WC GL projects Designated Projects All projects where the insured has agreed to provide coverage per list on file with administrator Project Sites Project Sites as defined in contract documents including offsite office space offsite contractor parking contractor yards offsite storage areas right of ways including ingress and egress and offsite staging areas and off site fabrication work space if dedicated to the above listed construction projects Completed Operations Tail Number of Years Applicable Statute of Repose in state of construction on project completion date. Repair Period Number of Months A. Section Il Who Is An Insured is amended to include as a Named Insured 1. Al contractors for whom the wrap up administrator has created an enroliment record and for whom any Named Insured has agreed by written contract prior to the loss to provide general liability coverage under a wrap up insurance program for the designated project and 2. All contractors for whom an enrollment record has been submitted for the designated project by the wrap up administrator and accepted by us prior to the loss. However none of the following are insureds under the policy unless added by separate endorsement a. Vendors suppliers material dealers abatement contractors blasting contractors delivery persons haulers hazardous waste removal contractors b. Any person or organization that manufactures or fabricates products or components that does not also install the product or component at the project site for the designated project or c. Any contractor or other person or organization that does not have dedicated payroll for employees at the project site for the designated project. LC 04230115 2014 Liberty Mutual Insurance Page 1 of 4 Includes copyrighted material of Insurance Services Office Inc. with its permission. Period r of Months | 2 |
B. This insurance shall only apply to bodily injury property damage and personal and advertising injury that results directly from operations that are 1. Within the scope of the designated project and Page 2 of 4 2014 Liberty Mutual Insurance Includes copyrighted material of Insurance Services Office Inc. with its permission. LC 04230115 | 2 |
C. 2. Performed by a contractor directly or indirectly on behalf of the first Named Insured at a project site. 1. If a number of years is shown for the Completed Operations Tail in the Schedule of this endorsement this insurance will also apply to bodily injury and property damage within the products completed operation hazard that occurs during the completed operations tail. If a number of years is not shown in the Schedule the completed operations tail will not apply. 2. If a number of months is shown for the Repair Period in the Schedule of this endorsement this insurance will also apply to bodily injury and property damage that occurs during the repair period and results from repair work. If a number of months is not shown in the Schedule the repair period will not apply. Coverage for bodily injury and property damage that occurs during the completed operations tail or repair period is subject to all other terms and conditions of the policy and this endorsement. With respect to Section 1l Limits of Insurance bodily injury and property damage to which this insurance applies that occurs after the project completion date shall be deemed to have occurred during the latest policy period or the latest annual period of a multi year policy issued by us and is subject to the Products Completed Operations Aggregate Limit. The completed operations tail and the repair period will not apply if this policy is cancelled for any reason other than early completion of the project. The first Named Insured is authorized to act and agrees to act on behalf of all persons or organizations insured under this policy with respect to all matters pertaining to the insurance afforded by the policy. The first Named Insured is liable for all premiums due under this policy and for any other financial obligation arising out of any agreements contained in this policy. No other Named Insured will be liable for such amounts. The first Named Insured shown in the Declarations will be the payee for any return premiums we pay. The following definitions are added to Section V Definitions Completed operations tail means the period beginning on the project completion date and lasting for the number of years shown in the Schedule of this endorsement. The completed operations tail does not apply to bodily injury or property damage resulting from repair work which may be covered separately under the repair period. Designated project means a designated project listed in the Schedule of this endorsement. Project completion date is the earlier of 1. The date on which this policy expires or is cancelled 2. The date of final written acceptance of the designated project by the owner 3. The date on which all of the work in your contract has been completed 4. When that part of the work done at a designated project structure site or location has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same designated project or 5. When all the work to be done at the designated project structure site or location is substantially completed and is in use or is ready for its intended use if the contract calls for work at more than one structure site or location. LC 04230115 2014 Liberty Mutual Insurance Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 3 of 4 | 2 |
If this policy covers more than one designated project the project completion date will be determined separately for each designated project. Project site means a project site listed in the Schedule of this endorsement. Repair period means the period beginning on the project completion date and lasting for the number of months shown in the Schedule of this endorsement. Repair work means the ongoing periodic inspection repair or replacement work at a designated project performed pursuant to obligations you have assumed under a construction agreement for which compensation has been paid to you as part of the designated project. Wrap up administrator means the wrap up administrator listed in the Schedule of this endorsement. F. Paragraph 4.a. of Section IV Commercial General Liability Conditions is replaced by the following a. Primary Insurance This insurance is primary except when b. below applies. G. Paragraph 4.c. of Section IV Commercial General Liability Conditions is deleted. H. All other terms conditions and exclusions in the policy shall continue to apply. Page 4 of 4 2014 Liberty Mutual Insurance Includes copyrighted material of Insurance Services Office Inc. with its permission. LC 04230115 | 2 |
Policy Number TB2 641 444819 037 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED CONSTRUCTION PROJECT OR DESIGNATED LOCATION COMBINED AGGREGATE LIMITS WITH TOTAL AGGREGATE LIMIT FOR ALL PROJECTS AND LOCATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART P Schedule Designated Construction Projects or Designated Locations All locations and all construction projects at which you are performing ongoing operations. Total Aggregate Limit for all Projects and Locations General Aggregate Limit will apply on a Per Project basis with an annual General Aggregate limit of 12000000 for all projects less than 15000000 in Construction Value A. For all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can be attributed only to ongoing operations at a single designated construction project or a single designated location 1. A separate Designated General Aggregate Limit applies to each designated construction project and to each designated location and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Designated General Aggregate Limit is the most we will pay for the sum of all damages under Section Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and for medical expenses under Section Coverage C regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 3. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Designated General Aggregate Limit for that designated construction project or designated location. Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated General Aggregate Limit for any other designated construction project or designated location. 4. The limits shown in the Declarations for Each Occurrence Damage to Premises Rented to You and Medical Expense continue to apply. However instead of being subject to the General Aggregate Limit shown in the Declarations such limits will be subject to the applicable Designated General Aggregate Limit and the Total Aggregate Limit for all Projects and Locations. LC25190115 2014 Liberty Mutual Insurance Page 1 of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
5. The Total Aggregate Limit for all Projects and Locations shown in the Schedule of this endorsement is the most we will pay for the sum of all damages caused by occurrences under Section Coverage A and all medical expenses caused by accidents under Section Coverage C which can be attributed only to ongoing operations at a designated construction project or designated location shown in the Schedule of this endorsement regardless of the number of construction projects locations occurrences or accidents. 6. Each Designated General Aggregate Limit is subject to the Total Aggregate Limit for all Projects and Locations shown in the Schedule of this endorsement. For all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can not be attributed only to ongoing operations at a single designated construction project or single designated location 1. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the amount available under the General Aggregate Limit or the Products Completed Operations Aggregate Limit whichever is applicable and 2. Such payments shall not reduce any Designated General Aggregate Limit.. When coverage for liability arising out of the products completed operations hazard is provided any payments for damages because of bodily injury or property damage included in the products completed operations hazard will reduce the Products Completed Operations Aggregate Limit and not reduce the General Aggregate Limit nor the Designated General Aggregate Limit. If the applicable construction project has been abandoned delayed or abandoned and then restarted or if the authorized contracting parties deviate from plans blueprints designs specifications or timetables the project will still be deemed to be the same construction project. For the purposes of this endorsement the Definitions Section is amended by the addition of the following definition Location means any premises that you occupy for permanent operations as part of your business but does not include any premises at which you are performing operations as part of a construction project. All premises involving the same or connecting lots or premises whose connection is interrupted only by a street roadway waterway or right of way of a railroad shall be considered a single location. The provisions of Section Il Limits Of Insurance not otherwise modified by this endorsement shall continue to apply as stipulated. Page 2 of 2 2014 Liberty Mutual Insurance Includes copyrighted material of Insurance Services Office Inc. with its permission. LC 25190115 | 2 |
Policy Number TB2 641 444819 047 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION TO THIRD PARTIES This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE PART MOTOR CARRIER COVERAGE PART GARAGE COVERAGE PART TRUCKERS COVERAGE PART EXCESS AUTOMOBILE LIABILITY INDEMNITY COVERAGE PART SELF INSURED TRUCKER EXCESS LIABILITY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM Schedule Name of Other Persons Organizations Email Address or mailing address Number Days Notice Per Schedule on File with Broker 60 A. If we cancel this policy for any reason other than nonpayment of premium we will notify the persons or organizations shown in the Schedule above. We will send notice to the email or mailing address listed above at least 10 days or the number of days listed above if any before the cancellation becomes effective. In no event does the notice to the third party exceed the notice to the first named insured. B. This advance notification of a pending cancellation of coverage is intended as a courtesy only. Our failure to provide such advance notification will not extend the policy cancellation date nor negate cancellation of the policy. All other terms and conditions of this policy remain unchanged. 2011 Liberty Mutual Group of Companies. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. LIM 99 01 05 11 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITS OF INSURANCE DESIGNATED PROJECT OR PREMISES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Schedule Limits Of Insurance Each Occurrence Limit 3000000 Damage To Premises Rented To You Limit 500000 Any One Premises Medical Expense Limit 10000 Any One Person Personal Advertising Injury Limit 3000000 General Aggregate Limit 6000000 Products Completed Operations Aggregate Limit 6000000 Designated Project Or Premises The Products Completed Operations Aggregate Limit and General Aggregate Limit will apply on a Per Project basis for all projects enrolled under policy TB2 641 444819 047 The limits of insurance shown in the Declarations are replaced by the limits shown in the Schedule of this endorsement with respect to the project or premises shown above. These limits are inclusive of and are not in addition to the limits being replaced. s Rented To You Limit mit jury Limit rations Aggregate Li Any One Premises Any One Person esignated Project Or Premises he Products Completed Operations Aggregate Limit nd General Aggregate Limit will apply on a Per roject basis for all projects enrolled under policy B2 641 444819 047 LC 25091013 2013 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 10of 1 | 2 |
POLICY NUMBER TB2 641 444819 047 LICY NUMBER TB2 641 444819 047 COMMERCIAL GENERAL LIABILITY CG 0440 1103 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STOP GAP EMPLOYERS LIABILITY COVERAGE ENDORSEMENT NORTH DAKOTA This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Limits Of Insurance Bodily Injury By Accident Bodily Injury By Disease 3 1000000 1000000 Each Accident Aggregate Limit n Bodily Injury By Disease 1000000 Each Employee If no entry appears above the information required to complete this endorsement will be shown in the Declara tions as applicable to this endorsement. A. The following is added to Section 1 Coverag COVERAGE STOP GAP EMPLOYERS LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated by North Dakota Law to pay as damages because of bodily injury by accident or bodily injury by dis ease to your employee to which this in surance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages to which this insurance does not apply. We may at our discretion investigate any ac cident and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits 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 or settlements under this coverage. No other obligation or liability to pay sums or perform acts or services is covered un less explicitly provided for under Supple mentary Payments. b. This insurance applies to bodily injury by accident or bodily injury by disease only if 1 The a Bodily injury by accident or bodily injury by disease takes place in the coverage territory b Bodily injury by accident or bodily injury by disease arises out of and in the course of the injured em ployee s employment by you and c Employee at the time of the inju ry was covered under a worker s compensation policy and subject to a workers compensation law of North Dakota and 2 The a Bodily injury by accident is caused by an accident that occurs during the policy period or No other obligation or liability to pay sums or perform acts or services is covered un less explicitly provided for under Supple mentary Payments. b. This insurance applies to bodily injury by accident or bodily injury by disease only if 1 The a Bodily injury by accident or bodily injury by disease takes place in the coverage territory b Bodily injury by accident or bodily injury by disease arises out of and in the course of the injured em ployee s employment by you and c Employee at the time of the inju ry was covered under a worker s compensation policy and subject to a workers compensation law of North Dakota and 2 The a Bodily injury by accident is caused by an accident that occurs during the policy period or CG 04401103 ISO Properties Inc. 2003 Page 1 of 4 o | 2 |
b. Contractual Lial Statutory Obligations Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law. lity Liability assumed by you under any con tract or agreement.. Violation Of Law Bodily injury by accident or bodily injury by disease suffered or caused by any employee while employed in violation of law with your actual knowledge or the ac tual knowledge of any of your executive officers. Termination Coercion Or Discrimination Damages arising out of coercion criticism demotion evaluation reassignment disci pline defamation harassment humilia tion discrimination against or termination of any employee or arising out of other employment or personnel decisions con cerning the insured. Failure To Comply With Workers Compensation Law Bodily injury by accident or bodily injury by disease to an employee when you are 1 Deprived of common law defenses or 2 Otherwise subject to penalty because of your failure to secure your ob ligations or other failure to comply with any workers compensation law.. Violation Of Age Laws Or Employment Of Minors Bodily injury by accident or bodily injury by disease suffered or caused by any person 1 Knowingly employed by you in violation of any law as to age or 2 Under the age of 14 years regardless of any such law.. Federal Laws Any premium assessment penalty fine benefit liability or other obligation imposed by or granted pursuant to 1 The Federal Employer s Liability Act 45 USC Section 51 60 2 The Non appropriated Fund Instrumen talities Act 5 USC Sections 8171 8173 b Bodily injury by disease is caused by or aggravated by conditions of employment by you and the injured employee s last day of last expo sure to the conditions causing or aggravating such bodily injury by disease occurs during the policy period. c. The damages we will pay where recovery is permitted by law include damages 1 For a Which you are liable to a third party by reason of a claim or suit against you by that third party to re cover the damages claimed against such third party as a result of injury to your employee b Care and loss of services and c Consequential bodily injury by accident or bodily injury by dis ease to a spouse child parent brother or sister of the injured em ployee provided that these damages are the direct consequence of bodily injury by accident or bodily injury by disease that arises out of and in the course of the injured employee s employment by you and 2 Because of bodily injury by accident or bodily injury by disease to your employee that arises out of and in the course of employment claimed against you in a capacity other than as em ployer. 2. Exclusions This insurance does not apply to a. Intentional Injury Bodily injury by accident or bodily injury by disease intentionally caused or aggra vated by you or bodily injury by accident or bodily injury by disease resulting from an act which is determined to have been committed by you if it was reasonable to believe that an injury is substantially cer tain to occur. b. Fines Or Penalties Any assessment penalty or fine levied by any regulatory inspection agency or au thority. CG 04401103 o ISO Properties Inc. 2003 Page 2 of 4 | 2 |
3 The Longshore and Harbor Workers Compensation Act 33 USC Sections 910 950 4 The Outer Continental Shelf Lands Act 43 USC Section 1331 1356 5 The Defense Base Act 42 USC Sec tions 1651 1654 6 The Federal Coal Mine Health and Safety Act of 1969 30 USC Sections 901 942 7 The Migrant and Seasonal Agricultural Worker Protection Act 29 USC Sec tions 1801 1872 8 Any other workers compensation unemployment compensation or disa bility laws or any similar law or 9 Any subsequent amendments to the laws listed above. Punitive Damages Multiple exemplary or punitive damages. k. Crew Members Bodily injury by accident or bodily injury by disease to a master or member of the crew of any vessel or any member of the flying crew of an aircraft. B. The Supplementary Payments provisions apply to Coverage Stop Gap Employers Liability as well as to Coverages A and B. C. For the purposes of this endorsement Section Il Who Is An Insured is replaced by the follow ing If you are designated in the Declarations as 1. An individual you and your spouse are in sureds but only with respect to the conduct of a business of which you are the sole owner. 2. 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. 3. Alimited 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 re spect to their duties as your managers. 4. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and direc tors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. No person or organization is an insured with re spect to the conduct of any current or past part nership joint venture or limited liability company that is not shown as a Named Insured in the Dec larations.. For the purposes of this endorsement Section il Limits Of Insurance is replaced by the follow ing 1. The Limits of Insurance shown in the Sched ule of this endorsement and 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 or bringing suits. 2. The Bodily Injury By Accident Each Acci dent Limit shown in the Schedule of this en dorsement is the most we will pay for all dam ages covered by this insurance because of bodily injury by accident to one or more employees in any one accident. 3. The Bodily Injury By Disease Aggregate Limit shown in the Schedule of this endorse ment is the most we will pay for all damages covered by this insurance and arising out of bodily injury by disease regardless of the number of employees who sustain bodily in jury by disease. 4. Subject to Paragraph D.3. of this endorse ment the Bodily Injury By Disease Each Employee Limit shown in the Schedule of this endorsement is the most we will pay for all damages because of bodily injury by dis ease to any one employee. The limits of the coverage apply separately to each consecutive annual period and to any re maining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is ex tended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. CG 04 401103 ISO Properties Inc. 2003 Page3of4a O | 2 |
F. For the purposes of this endorsement Paragraph 4. of the Definitions Section is replaced by the following 4. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in a. above or c. All other parts of the world if the injury or damage arises out of the activities of a person whose home is in the territory de scribed in a. above but who is away for a short time on your business provided the insured s responsibility to pay damages is determined in the United States including its territories and possessions Puerto Rico or Canada in a suit on the mer its according to the substantive law in such territory or in a settlement we agree to. G. The following are added to the Definitions Sec tion 1. Workers Compensation Law means the Workers Compensation Law and any Occu pational Disease Law of North Dakota. This does not include provisions of any law provid ing non occupational disability benefits. 2. Bodily injury by accident means bodily injury sickness or disease sustained by a person including death resulting from an accident. A disease is not bodily injury by accident un less it results directly from bodily injury by ac cident. 3. Bodily injury by disease means a disease sustained by a person including death. Bodi ly injury by disease does not include a dis ease that results directly from an accident. H. For the purposes of this endorsement the defini tion of bodily injury does not apply. E. For the purposes of this endorsement Condition 2. Duties In The Event Of Occurrence Claim Or Suit of the Conditions Section IV is deleted and replaced by the following 2. Duties The Event Of Injury Claim Suit a. You must see to it that we or our agent are notified as soon as practicable of a bodily injury by accident or bodily injury by dis ease which may result in a claim. To the extent possible notice should include 1 How when and where the bodily injury by accident or bodily injury by dis ease took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the injury claim proceeding or suit 2 Authorize us to obtain records and other information 3 Cooperate with us and assist us as we may request in the investigation or set tiement of the claim or defense against the suit 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 to which this insurance may also apply and 5 Do nothing after an injury occurs that would interfere with our right to recover from others. d. No insured will except at that insured s own cost voluntarily make a payment as sume any obligation or incur any expense other than for first aid without our consent. 4 CG 04401103 o ISO Properties Inc. 2003 Page 4 of 4 | 2 |
POLICY NUMBER TB2 641 444819 047 POLICY NUMBER TB2 641 444819 047 COMMERCIAL GENERAL LIABILITY CG04410311 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STOP GAP EMPLOYERS LIABILITY COVERAGE ENDORSEMENT OHIO This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Limits Of Insurance Bodily Injury By Accident 1000000 Bodily Injury By Disease 1000000 Bodily Injury By Disease 1000000 Each Accident Aggregate Limit Each Employee A. The following is added to Section Coverages Coverage Stop Gap Employers Liability 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated by Ohio Law to pay as damages because of bodily injury by accident or bodily injury by disease to your employee to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages to which this insurance does not apply. We may at our discretion investigate any accident and settie any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Hl Limits 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 or settlements under this coverage. Information required to complete this Schedule if not shown above will be shown in the Declarations. 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 bodily injury by accident or bodily injury by disease only if 1 The a Bodily injury by accident or bodily injury by disease takes place in the coverage territory Bodily injury by accident or bodily injury by disease arises out of and in the course of the injured employee s employment by you and c Employee at the time of the injury was covered under a worker s compensation policy and subject to a workers compensation law of Ohio and 2 The a Bodily injury by accident is caused by an accident that occurs during the policy period or b CG04410311 Insurance Services Office Inc. 2010 Page 1 of 4 a | 2 |
c. Statutory Obligations Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law. d. Contractual Liability Liability assumed by you under any contract or agreement. e. Violation Of Law Bodily injury by accident or bodily injury by disease suffered or caused by any employee while employed in violation of law with your actual knowledge or the actual knowledge of any of your executive officers. Termination Coercion Or Discrimination Damages arising out of coercion criticism demotion evaluation reassignment discipline defamation harassment humiliation discrimination against or termination of any employee or arising out of other employment or personnel decisions concerning the insured. g. Failure To Comply With Workers Compensation Law Bodily injury by accident or bodily injury by disease to an employee when you are 1 Deprived of common law defenses or 2 Otherwise subject to penalty because of your failure to secure your obligations or other failure to comply with any workers compensation law. h. Violation Of Age Laws Or Employment Of Minors Bodily injury by accident or bodily injury by disease suffered or caused by any person 1 Knowingly employed by you in violation of any law as to age or 2 Under the age of 14 years regardless of any such law. i. Federal Laws Any premium assessment penalty fine benefit liability or other obligation imposed by or granted pursuant to 1 The Federal Employer s Liability Act 45 USC Section 51 60 b Bodily injury by disease is caused by or aggravated by conditions of employment by you and the injured employee s last day of last exposure to the conditions causing or aggravating such bodily injury by disease occurs during the policy period. c. The damages we will pay where recovery is permitted by law include damages for 1 Which you are liable to a third party by reason of a claim or suit against you by that third party to recover the damages claimed against such third party as a result of bodily injury by accident or bodily injury by disease to your employee Care and loss of services resulting from the injury referred to in c.1 and Bodily injury by accident or bodily injury by disease to a spouse child parent brother or sister of the injured employee as a consequence of the injury referred to in c.1 provided that these damages are the direct consequence of bodily injury by accident or bodily injury by disease that arises out of and in the course of the injured employee s employment by you. 2. Exclusions This insurance does not apply to a. Intentional Injury Bodily injury by accident or bodily injury by disease intentionally caused or aggravated by you or bodily injury by accident or bodily injury by disease resulting from an act which is determined to have been committed by you if it was reasonable to believe that an injury is substantially certain to occur. b. Fines Or Penalties Any assessment penalty or fine levied by any regulatory inspection agency or authority. 2 3 CG 04410311 a Insurance Services Office Inc. 2010 Page 2 of 4 | 2 |
2 The Non appropriated Fund Instrumentalities Act 5 USC Sections 8171 8173 3 The Longshore and Harbor Workers Compensation Act 33 USC Sections 910 950 4 The Outer Continental Shelf Lands Act 43 USC Section 1331 1356 5 The Defense Base Act 42 USC Sections 1651 1654 6 The Federal Coal Mine Health and Safety Act of 1969 30 USC Sections 901 942 7 The Migrant and Seasonal Agricultural Worker Protection Act 29 USC Sections 1801 1872 8 Any other workers compensation unemployment compensation or disability laws or any similar law or 9 Any subsequent amendments to the laws listed above.. Punitive Damages Multiple exemplary or punitive damages. k. Crew Members Bodily injury by accident or bodily injury by disease to a master or member of the crew of any vessel or any member of the flying crew of an aircraft. B. The Supplementary Payments provisions apply to Coverage Stop Gap Employers Liability as well as to Coverages A and B. C. For the purposes of this endorsement Section Il Who Is An Insured is replaced by the following If you are designated in the Declarations as 1. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. 2. 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. 3. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. 4. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations.. For the purposes of this endorsement Section Il Limits Of Insurance is replaced by the following 1. The Limits Of Insurance shown in the Schedule of this endorsement and 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 or bringing suits. 2. The Bodily Injury By Accident Each Accident Limit shown in the Schedule of this endorsement is the most we will pay for all damages covered by this insurance because of bodily injury by accident to one or more employees in any one accident. 3. The Bodily Injury By Disease Aggregate Limit shown in the Schedule of this endorsement is the most we will pay for all damages covered by this insurance and arising out of bodily injury by disease regardless of the number of employees who sustain bodily injury by disease. 4. Subject to Paragraph D.3. of this endorsement the Bodily Injury By Disease Each Employee Limit shown in the Schedule of this endorsement is the most we will pay for all damages because of bodily injury by disease to any one employee. The limits of the coverage apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. CG 04410311 Insurance Services Office Inc. 2010 Page 3 of 4 o | 2 |
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