2020/11/01 Central County United Way DBA United Communities Network Greater Diamond ValleUnited WayCERTIFICATE OF LIABILITY INSURANCE
DATE (MM/DDIYYYY)
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.
If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on
this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).
PRODUCER DFI - DiGerolamo Family Insurance Services
2027 Hamner Ave
Norco, CA 92860
License #: OD26889
Lucy Anderson
lucy(McIfil nsu ran ce.com
Noy.(951)735-3758
INSURED INSURER B : Twin -City Fire nsur CO
Central County United Way DBA: United Communities Network
Greater Diamond ValleUnited Way INSURER C;
414 S Palm Ave Ste. C2 INSURER D:
Hemet, CA 92543 INSURER E:
INSURER F
COVERAGES CERTIFICATE NUMBER: 99009215-1755745 REVISION NUMBER: 71
NAIC
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES, LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
ILTR TYPE OF INSURANCE ADDL SUER pOLICY NUINBER .POLICYEFF POLICYEXP LIMITS
A
x
COMMERCIAL GENERAL LIABILITY
Y
10022003
11101/2020
11101/2021
EACH OCCURRENCE
$ 1 000 000
CLAIMS -MADE OCCUR
AGE TO REN'TED
$ 11000,000
$ 15�000
MED EXP (Any oneperson)
PERSONAL & ADV INJURY
$ 1. 000 000
GEN'L AGGREGATE LIMIT APPLIES PER:
J[ POLICY :CTT LOC
GENERAL AGGREGATE
$ 3,000,000
PRODUCTS - COMP/OP AGG
$ 3,000,000
$
DTHER:
A
AUTOMOBILE LIABILITY
Y
01788843
11101/2020
11/01/2021
CgMaHip .SINGLE LIMIT
$ 1,000,000
BODILY INJURY (Per person)
$
ANY AUTO
OWNED SCHEDULED
AUTOS ONLY x AUTOS
1
BODILY INJURY (Per accident)
$
vy HIRED v NON -OWNED
A 1 AUTOS ONLYA„ AUTOS ONLY
_
PROPER G+AMAGE
P n
$
$
1
UMBRELLA LIAB
I OCCUR
^'
EACH OCCURRENCE
$
AGGREGATE
$
EXCESS LIAB
CLAIMS -MADE
a
DED i RETENTION $
$
A
WORKERS COMPENSATION
AND EMPLOYERS' LIABILITY
ANY PROPRIETOR/PARTNERIEXECUTIVE Y/N
OFFICER/MEMBER EXCLUDED? r
(Mandatory in NH)
N I A
10007401
01130/2021
01/30/2022
X S7A7LITE EERH
E.L EACH ACCIDENT
$ 1,000,000
E.L DISEASE- EA EMPLOYEE
$ 1,000,000
If yes, describe under
DESCRIPTION OF OPERATIONS below
E.L DISEASE- POLICY LIMIT
$ 1,000,000
A Building Coverage
10022003
11/01/2020
11/01/2021
Building
435,000
B Directors & Officers
NFP0121627-04
01/30/2021
01/30/2022
1,000,000
DESCRIPTION OF OPERATIONS I LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
Certificate Holder is named additional insured.
CERTIFICATE HOLDER CANCELLATION
City of Menifee
29714 Haun Road
Menifee, CA 92586
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
ACCORDANCE WITH THE POLICY PROVISIONS.
AUTHORIZED REPRESENTATIVE
O 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD
Printed by LMA on May 13, 2021 at 10:23AM
wo
POLICY NUMBER: 01-0022-003
NONPROFIT AND HUMAN SERVICES
GENERAL LIABILITY ENDORSEMENT
THIS DOCUMENT IS AN ENDORSEMENT THAT CHANGES THE POLICY. PLEASE READ IT
CAREFULLY.
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
A. Expected Or Intended Injury - Property Damage Exception
The following is added to Exclusion a. Expected Or Intended Injury of Paragraph 2. Exclusions under
Section I - Coverage A - Bodily injury And Property Damage Liability:
This exclusion does not apply to "property damage" resulting from the use of reasonable force to
protect persons or property.
B. Aircraft, Auto Or Watercraft
Under Paragraph 2. Exclusions of Section I - Coverage A - Bodily Injury And Property Damage
Liability, Subparagraph (2) of Exclusion g. Aircraft, Auto Or Watercraft is replaced by the following:
(2) A watercraft you do not own that is:
(a) Less than 50 feet long; and
(b) Not being used to carry persons or property for a charge;
C. Extended Property Damage
In Section I - Coverages, Section III - Limits Of Insurance, Section IV - Conditions and the definition
of "insured contract" in the Definitions section; except where it is used in the term "hostile fire", the
word fire is changed to: fire, explosion, smoke or leaks from automatic fire protective systems.
D. Incidental Publishing, Broadcasting Or Telecasting Exception
The following is added to Exclusion j. Insureds In Media And Internet Type Businesses of 2.
Exclusions under Section I - Coverage B - Personal And Advertising Injury Liability:
This exclusion does not apply to publishing, broadcasting or telecasting that is incidental to your
business.
E. Additional Exclusions
The following exclusions are added to Paragraph 2. Exclusions under Section I - Coverage A - Bodily
Injury And Property Damage Liability, Paragraph 2. Exclusions under Section I - Coverage B -
Personal And Advertising Injury Liability and Paragraph 2. Exclusions under Coverage C - Medical
Payments of Section I - Coverages:
This insurance does not apply to:
1. Special Events Or Fundraising Events
"Bodily injury", "property damage" or "personal or advertising injury' arising directly or indirectly
out of fund raising events or activities or "special events" or activities:
a. Authorized and conducted by any insured;
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b. Authorized by you and conducted on your behalf by others, including but not limited to an
"employee", "temporary worker", "volunteer worker", member, trustee, director, licensee,
subcontractor, independent contractor, or vendor.
c. Not authorized by you and conducted on your behalf by others, including but not limited to an
"employee", "temporary worker", "volunteer worker", member, trustee, director, licensee,
subcontractor, independent contractor, or vendor.
We have no obligation to defend, pay on behalf of, indemnity or incur any cost or expenses for
any insured or any other person or organization seeking coverage under this insurance for that
portion of any claim arising out of any fund raising event or activity or "special event' or activity.
This exclusion does not apply to any fund raising event or activity or "special event' or activity for
which coverage is provided by an attached endorsement.
2. Medical Or Healthcare Services
Any claim or "suit' arising out of the rendering of or failure to render "medical or healthcare
services".
3. Medically Derived Injury
Any claim or "suit' arising out of a "medically derived injury".
4. Violation Of Any Statute Or Regulation
Any liability arising out of the willful or intentional violation of any statute or regulation including
but not limited to the fines and penalties assessed by a court or regulatory authority.
5. Misconduct, Molestation Or Harassment
Any "bodily injury", "personal and advertising injury", mental or emotional pain or anguish, or any
defamation or slander, sustained by any person arising out of or resulting from any actual or
alleged act of "abuse", "sexual misconduct or sexual molestation" or "sexual harassment' of any
kind. We have no right or duty to investigate, settle, defend or pay any claim or "suit' asserting
any act of "abuse", "sexual misconduct or sexual molestation", "sexual harassment' or any
breach of duty contributing to or arising from such act.
6. Professional Services
Any liability arising out of any act or omission in the providing of or failure to provide "professional
services".
7. Statutory Enforcement
Any liability or responsibility to meet the requirements or standards of care enforced by any
department of human services, department of elder care or similar regulatory body, regardless of
the law or statutory basis of such enforcement.
8. Guaranteeing Results
Including but not limited to any contract or agreement guaranteeing the results of any
"professional services" or any type or form of counseling or any type or form of medical, dental,
physiological, psychological, addiction, behavioral, chiropractic, holistic, or any other similar
treatment.
9. Abuse
Any claim or "suit' arising out of "abuse".
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F. Supplementary Payments - Broadened
Paragraph 1. of Section I - Coverages - Supplementary Payments - Coverages A and B is amended
as follows:
1. Cost Of Bail Bonds
The maximum amount we will pay for the cost of bail bonds as described in Subparagraph b. is
increased to $2,500.
2. Expenses Incurred By The Insured
The maximum amount we will pay for loss of earnings incurred by the insured at our request to
assist us in the investigation or defense of a claim or "suit", as described in Subparagraph d., is
increased to $500 a day.
3. Damage To Personal Property Of Others
With respect to any claim we investigate or settle, or any "suit' against an insured we defend, we
will also pay up to $1,000 for "property damage" to personal property of others while in the
temporary care, custody or control of an insured and caused by any person participating in your
organized activities. For purposes of this supplementary payment, "property damage" does not
include disappearance, wrongful abstraction or loss of use. This supplementary payment shall
only be paid on or for the account of the owner and only when other coverage or insurance is
unavailable.
This payment will not reduce the limits of insurance.
4. Key And Lock Replacement
We will pay for the cost to replace keys and locks at the "clients" premises due to loss to keys
entrusted to you by your "client', up to a $10,000 limit per occurrence and $10,000 policy
aggregate.
We will not pay for loss or damage resulting from theft or any other dishonest or criminal act that
you or any of your partners, members, officers, "employees", "managers", directors, trustees,
authorized representatives or anyone to whom you entrust the keys of a "client' for any purpose
commit, whether acting alone or in collusion with other persons.
The following, when used in this Supplemental Payment, are defined as follows:
a. "Client' means an individual, company or organization with whom you have a written contract
or work order for your services for a described premises and have billed for your services.
b. "Employee" means
(1) Any natural person:
(a) While in your service or for 30 days after termination of service;
(b) Who you compensate directly by salary, wages or commissions; and
(c) Who you have the right to direct and control while performing services for you; or
(2) Any natural person who is furnished temporarily to you:
(a) To substitute for a permanent "employee" as defined in Paragraph (1) above, who is
on leave; or
(b) To meet seasonal or short-term workload conditions;
while that person is subject to your direction and control and performing services for you.
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"Employee" does not mean:
(1) Any agent, broker, person leased to you by a labor leasing firm, factor,
commission merchant, consignee, independent contractor or representative of
the same general character; or
(ii) Any "manager", director or trustee except while performing acts coming within
the scope of the usual duties of an "employee".
c. "Manager" means a person serving in a directorial capacity for a limited liability company.
G. Additional Insureds Required By Written Contract
1. Section II - Who Is An Insured is amended to include as an additional insured the following
person(s) or organization(s) when you have agreed, in a written contract, that such person or
organization be added as an additional insured on your policy, provided the written contract is
initiated prior to an "occurrence" resulting in damages,
a. Engineers, Architects Or Surveyors
Any architect, engineer or surveyor engaged by you but only with respect to liability for
"bodily injury", "property damage" or "personal and advertising injury" caused, in whole or
in part, by your acts or omissions or the acts or omissions of those acting on your behalf
in connection with your premises or in the performance of your ongoing operations.
However, with respect to the insurance afforded to these additional insureds, the
following additional exclusion applies:
This insurance does not apply to "bodily injury", "property damage" or "personal and
advertising injury' arising out of the rendering of or the failure to render any professional
services by or for you, including:
(1) The preparing, approving, or failing to prepare or approve maps, shop drawings,
opinions, reports, surveys, field orders, change orders or drawings and
specifications; or
(2) Supervisory, inspection, architectural or engineering activities.
This exclusion applies even if the claims against any insured allege negligence or other
wrongdoing in the supervision, hiring, employment, training or monitoring of others by
that insured, if the 'occurrence" which caused the "bodily injury' or "property damage", or
the offense which caused the "personal and advertising injury', involved the rendering of
or the failure to render any professional services by or for you.
b. Owners Of Leased Land
Any person or organization from whom you lease land but only with respect to liability
arising out of the ownership, maintenance or use of that part of the land leased to you.
With respect to the insurance afforded to these additional insureds, this insurance does
not apply to:
(1) Any "occurrence" which takes place after you cease to lease that land; or
(2) Structural alterations, new construction or demolition operations performed by or on
behalf of the additional insured.
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c. State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits
Or Authorizations
Any state or governmental agency or subdivision or political subdivision, but only with
respect to operations performed by you or on your behalf for which the state or
governmental agency or subdivision or political subdivision has issued a permit or
authorization.
With respect to the insurance afforded these additional insureds, this insurance does not
apply to:
(1) "Bodily injury", "property damage" or "personal and advertising injury" arising out of
operations performed for the federal government, state or municipality; or
(2) "Bodily injury" or "property damage" included within the "products -completed
operations hazard".
d. Contractual Obligations
Any person or organization where required by a written contract executed prior to the
"occurrence". Such person or organization is an additional insured for "bodily injury",
"property damage" or "personal and advertising injury" but only for liability arising out of
the negligence of the Named Insured.
e. Manager Or Lessor Of Premises
Any person or organization with respect to their liability arising out of the ownership,
maintenance or use of that part of the premises leased or rented to you subject to the
following additional exclusions:
This insurance does not apply to:
(1) Any "occurrence" which takes place after you cease to be a tenant in that premises;
or
(2) Structural alterations, new construction or demolition operations performed by or on
behalf of that person or organization.
f. Lessor Of Leased Equipment - Automatic Status When Required In Lease
Agreement With You
Any person or organization from whom you lease equipment when you and such person
or organization have agreed in writing in a contract or agreement that such person or
organization be added as an additional insured on your policy. Such person or
organization is an insured only with respect to liability for "bodily injury", "property
damage" or "personal and advertising injury" caused, in whole or in part, by your
maintenance, operation or use of equipment leased to you by such person or
organization.
With respect to the insurance afforded to these additional insureds:
(1) A person's or organization's status as an additional insured ends when their contract
or agreement with you for such leased equipment ends; and
(2) This insurance does not apply to any "occurrence" which takes place after the
equipment lease expires.
g. Vendors
Any person or organization but only with respect to "bodily injury" or "property damage"
arising out of "your products" which are distributed or sold in the regular course of the
vendor's business.
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(1) With respect to the insurance afforded these vendors, the following additional
exclusions apply:
(a) "Bodily injury" or "property damage" for which the vendor is obligated to pay
damages by reason of the assumption of liability in a contract or agreement. This
exclusion does not apply to liability for damages that the vendor would have in
the absence of the contract or agreement;
(b) Any express warranty unauthorized by you;
(c) Any physical or chemical change in the product made intentionally by the vendor;
(d) Repackaging, except when unpacked solely for the purpose of inspection,
demonstration, testing, or the substitution of parts under instructions from the
manufacturer, and then repackaged in the original container;
(e) Any failure to make such inspections, adjustments, tests or servicing as the
vendor has agreed to make or normally undertakes to make in the usual course
of business, in connection with the distribution or sale of the products;
(fl Demonstration, installation, servicing or repair operations, except such
operations performed at the vendor's premises in connection with the sale of the
product;
(g) Products which, after distribution or sale by you, have been labeled or relabeled
or used as a container, part or ingredient of any other thing or substance by or
for the vendor; or
(h) "Bodily injury" or "property damage" arising out of the sole negligence of the
vendor for its own acts or omissions or those of its employees or anyone else
acting on its behalf. However, this exclusion does not apply to:
i. The exceptions contained in Subparagraphs (d) or (fl; or
ii. Such inspections, adjustments, tests or servicing as the vendor has agreed
to make or normally undertakes to make in the usual course of business, in
connection with the distribution or sale of the products.
(2) This insurance does not apply to any insured person or organization, from whom you
have acquired such products, or any ingredient, part or container, entering into,
accompanying or containing such products.
h. Funding Source
Any person or organization with respect to their liability arising out of premises they own,
maintain or control while you lease or occupy those premises.
This insurance does not apply to structural alterations, new construction and demolition
operations performed by or for that person or organization.
i. State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits
Or Authorizations Relating To Premises
Any state or governmental agency or subdivision or political subdivision but only with
respect to the following hazards for which the state or governmental agency or
subdivision or political subdivision has issued a permit or authorization in connection with
premises you own, rent or control and to which this insurance applies:
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(1) The existence, maintenance, repair, construction, erection, or removal of advertising
signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes,
marquees, hoist away openings, sidewalk vaults, street banners, or decorations and
similar exposures;
(2) The construction, erection, or removal of elevators; or
(3) The ownership, maintenance, or use of any elevators covered by this insurance.
However,
(i) A person or organization is an additional insured under this provision only for that
period of time required by the written contract;
(i1) No such person or organization is an insured under this provision if such person or
organization is included as an insured by an endorsement issued by us and attached
to the Commercial General Liability Coverage Form;
(iii) The insurance afforded to such additional insured only applies to the extent permitted
by law; and
(iv) The insurance afforded to such additional insured will not be broader than that which
you are required by the contract or agreement to provide for such additional insured.
2. With respect to the insurance afforded to these additional insureds, identified in Paragraph
G.I. of this endorsement, the following is added to Section III - Limits Of Insurance:
The most we will pay on behalf of the additional insured is the amount of insurance:
a. Required by the contract or agreement; or
b. Available under the applicable Limits of Insurance shown in the Declarations;
whichever is less.
This provision shall not increase the applicable Limits of Insurance shown in the Declarations.
H. Newly Acquired Or Formed Organizations
The following is added to Paragraph 3. of Section II - Who Is An Insured:
Coverage provided to a newly acquired or formed organization under this provision is afforded only
when the newly acquired or formed organization operates or conducts the same or similar business
as you.
I. Limits Of Insurance
Paragraph 1. under Section III - Limits Of Insurance is replaced by the following:
The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay
regardless of the number of:
1. Insureds;
2. Claims made or "suits" brought;
3. Persons or organizations making claims or bringing "suits"; or
4. Policies involved.
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J. Non Stacking Of Limits
The following is added to Section III - Limits Of Insurance:
If two or more policies or Coverages issued by us apply to the same insured and these policies or
Coverages also apply to the same claim or "suit", the maximum amount we will pay as damages
under all of the policies or Coverages will not exceed the highest applicable Limit of Insurance that
applies to any one of the policies or Coverages.
This condition does not apply to any insurance that was purchased specifically to apply in excess of
the applicable Limits of Insurance shown in the Declarations.
K. Transfer Of Rights Of Recovery Against Others To Us
The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us under
Section IV - Commercial General Liability Conditions:
The insured may waive the insurer's rights of recovery prior to the occurrence of a loss, provided the
waiver is made in a written contract.
L. Liberalization
The following is added to Section IV - Commercial General Liability Conditions:
If we revise this Coverage Form to provide more coverage without additional premium charge, we will
automatically provide your policy the additional coverage as of the day the revision is effective in your
state.
M. Bodily Injury
The definition of "bodily injury" in the Definitions section is replaced by the following:
"Bodily injury" means physical injury, sickness, or disease sustained by a person, including death of a
person resulting from any of these. "Bodily injury" also means mental injury, mental anguish,
humiliation, or shock sustained by a person, if directly resulting from physical injury, sickness, or
disease sustained by that person.
N. Coverage Territory
The definition of "coverage territory" in the Definitions section is replaced by the following:
"Coverage territory" means anywhere in the world provided that the claim is made, and any "suit" that
may arise therefrom is filed, within the United States of America (including its territories and
possessions), Puerto Rico or Canada, unless further restricted by endorsement.
O. Additional Definitions
The following are added to Definitions section:
1. "Abuse" means any actual, threatened, or alleged act, error, omission, conduct or misconduct
that a claim or "suit" alleges:
a. To be, or to constitute, any form of "abuse" (including but not limited to elder "abuse", child
"abuse", patient "abuse" or "abuse" of a dependent person) under any applicable state or
federal statute; and
b. Any non -sexual assault, non -sexual battery, or non -sexual "abuse" directed at a person; and
Conduct or misconduct described above constitutes "abuse" regardless of whether or not it is
alleged to be negligent, reckless, knowing, intentional, fraudulent, oppressive, malicious, or
otherwise.
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However, "abuse" does not include employment -related "sexual harassment"
2. "Foster care services" means the provisions of personal care or training to a "foster child"
including but is not limited to activities of any insured or of any "temporary worker", licensee,
subcontractor, independent contractor, vendor or others in investigation, evaluation, counseling,
treatment, training, material aid, supervision or monitoring of individuals or families, with respect
to placement of a "foster child" as required by any Federal, State, or local code, regulation or
ordinance.
3. "Foster child" means a child whose care and upbringing are entrusted to an adult other than the
child's natural or adoptive parents.
4. "Medical or healthcare services" means any type of treatment or services provided for physical,
mental, veterinary or dental care, including but not limited to:
a. Any type or form of psychiatric counseling;
b. Any type or form of medical, dental, physiological, psychological, addiction, behavioral,
chiropractic, holistic, hospice, veterinary or any other similar treatment; or
c. The operation of a hospital, clinic open to the general public, or other medical facility or
laboratory; or
d. The providing, prescription, dispensing, or using of drugs or medical appliances or devices.
5. "Medically derived injury" means a physical, pathologic or psychiatric trauma resulting from
"medical or healthcare services" provided by a "medical professional", including death resulting
therefrom, to your care recipient. "Medically derived injury" includes an aggravation of a
preexisting disease or mental disorder. "Medically derived injury" does not include "property
damage", "personal and advertising injury", or any injury arising from "abuse", "sexual misconduct
or sexual molestation" or "sexual harassment".
6. "Medical professional" means an anesthesiologist, chiropodist, chiropractor, dentist, medical
technician, midwife, nurse anesthetist, nurse, optometrist, pharmacist, physician, podiatrist,
psychiatrist, psychologist, surgeon, veterinarian, x-ray therapist, or any other individual who
provides preventative, curative, or rehabilitative health care services, and is licensed where
required by law.
7. "Professional services" means any service that:
a. Involves specialized education, knowledge, labor, judgment, and skill, and is predominantly
mental or intellectual (as opposed to physical or manual) in nature; and
b. Is provided as part of the Named Insured's operations as a nonprofit or human services
organization; and
c. Subject to Paragraphs a. and b. above, "professional services" includes but is not limited to
the following:
(1) Advice, guidance, or assistance;
(2) Counseling;
(3) "Social work";
(4) Therapy;
(5) Daycare;
(6) "Foster care services"; and
(7) Job training, job placement, job referral, or vocational services.
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However, "professional services" does not include any of the following: "medical or healthcare
services" or any person or organization acting in the capacity of a "medical professional",
accountant, attorney, architect, engineer, real estate manager, immigration counselor, or
investment manager.
8. "Sexual harassment" means unwelcome sexual advances, requests for sexual favors, or other
verbal, visual or physical conduct of a sexual nature when such conduct:
a. Is linked implicitly or explicitly with a decision affecting a term or condition of any individual's
employment;
b. Interferes with any individual's job performance;
c. Creates an intimidating, hostile or offensive working environment for any individual; or
d. Arises out of or is related to an unlawful employment practice as codified at 42 U.S.C. §
20OOe, et seq., or any similar state, municipal or local code, regulation or ordinance.
9. "Sexual misconduct or sexual molestation" means any activity which is sexual in nature (whether
permitted or not permitted); and includes, but is not limited to: sexual assault, sexual battery,
sexual relations, sexual acts, sexual activity, sexual handling, sexual massage, sexual
exploitation, sexual exhibition, sexual stimulation, fondling, intimacy, exposure of sexual organs,
lewd or lascivious behavior or indecent exposure, fornication, unauthorized touching, or the
photographic, video or other reproduction of sexual activity.
However, "sexual misconduct or sexual molestation" does not include employment -related
"sexual harassment".
10. "Social work" means any activities or methods of any insured or your "employees", agents,
representatives, "volunteer workers", "temporary workers", licensees, subcontractors,
independent contractors, vendors or others providing social services, including but not limited to:
a. Investigation, treatment, or material aid for the economically, physically, mentally, or socially
disadvantaged, or anyone else; and
b. Activities such as child welfare, community physical or mental health, adoption services,
personal counseling services, recreational activities, temporary housing or shelters or other
similar activities.
11. "Special Event" means a sporting, cultural, business or other type of unique activity, in a certain
place occurring during a limited or fixed interval of time (one-time, annual) and presented to a live
audience brought together to watch or to participate. "Special events" include, but are not limited
to, street fairs, music festivals, revenue generating or public relations activities, regardless of the
location or relationship to the operations of any insured.
Includes copyrighted material of Insurance Services Office, Inc., with its permission. GCG 65 10 07 14
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